diff --git a/brace-brace-brace.md b/brace-brace-brace.md
index dd66803..196afd4 100644
--- a/brace-brace-brace.md
+++ b/brace-brace-brace.md
@@ -5,7 +5,7 @@
 
 Let us firstly pinpoint the cause of the crash: 
 
-- Central Government Health Scheme (CGHS) and Ex-Servicemen Contributory Health Scheme (ECHS) as well as all other such healthcare programs or schemes operated by various Ministries of the Government of India (GoI), derive monthly premium contributions from the salaries and pensions of all employees and retirees of the GoI. This has been going on for more than a decade and is still being done, so as to provide "Cash Advance" and health insurance guarantee, to those tens of millions of individuals and their dependents, for daily and monthly healthcare expenses. That form of unregulated health insurance coverage is provided to those currently retired or employed individuals, without an actual insurance policy document, by each of those Cash Advance Programs (CAPs) operated by the GoI. These CAPs provide credit and insurance to healthcare Consumers, through selected and commercially partnered, "within-network" private healthcare organizations called, "Empanelled Hospitals." This type of irregular and unregulated credit and insurance, is provided by such CAPs in India, without transparently specifying the amount of the yearly insurance premium, the deductible, the terms of benefits, and the terms of co-pay as well as co-insurance for each individual, through a policy offer given to, and a policy document transacted with, the individuals qualified for utilizing those government operated health insurance programs. 
+- Central Government Health Scheme (CGHS) and Ex-Servicemen Contributory Health Scheme (ECHS) as well as all other such healthcare programs or schemes operated by various Ministries of the Government of India (GoI), derive monthly premium contributions from the salaries and pensions of all employees and retirees of the GoI. This has been going on for more than a decade and is still being done, so as to provide "Cash Advance" and health insurance guarantee, to those tens of millions of individuals and their dependents, for daily and monthly healthcare expenses. That form of unregulated health insurance coverage is provided to those currently retired or employed individuals, without an actual insurance policy document, by each of those Cash Advance Programs (CAPs) operated by the GoI. These CAPs provide credit and insurance to healthcare Consumers, through selected and commercially partnered, "within-network" private healthcare organizations called, "Empanelled Hospitals." This type of irregular credit and unregulated insurance, is provided by such CAPs to millions of Consumers in India, without transparently specifying the amount of the yearly insurance premium, the deductible, the terms of benefits, and the terms of co-pay as well as co-insurance for each individual, through a policy offer given to, and a policy document transacted with, the individuals qualified for utilizing those government operated health insurance and credit programs. 
 
 The above-mentioned cause is the main one, but the uncontrolled and active catalyst propelling the CAPs towards a crash, is the fact that: