Kshitij Patukale "Prof. Kshitij Patukale, Director Insurance Academy, Pune, PhD Scholar in Insurance, Yogic Stress Management, Fellow Insurance Institute of India, MMS, LLB (Spl), MA (Eco.) MA (Indology), DBM, GDC&A, DED, DIE, DLW, Rashtrabhasha Pandit, Yoga Therapist, DNM. Author of many books: Insurance for Everyone, Retirement Planning for Youth, Mediclaim + Health Insurance, How To Get Medical Help, Kardaliban: A Divine Experience—The books have been translated into many languages and have a record readership. Columnist: National and International Newspapers / Magazines, etc. Associated with a number of academic and social activities. A versatile personality with a wide range of interests in diversified fields like Academics, Education, Management, Youth Development, Indian Cow, Panchakoshatmak Yoga, Hindu Economics, Alternative Energy, Vedic Science, Networking, Adventure Mountaineering and Trekking, etc. A humble student of life who loves his country, dharma and fellow countrymen. E-mail: patukalesir@gmail.com Website: www.kshitijpatukale.com