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My answer is going to be very shocking to many, and maybe I will end up being sued for defamation or something. This is simply my theory, based on my own observations. More extensive research is needed. I would like to see an investigative reporter explore this widespread scam.First, some background info. Back in the olden-days of insurance adjusting, we would do our own market research on a total loss vehicle. We had the appraiser’s report showing mileage, condition, and tire tread measurements, and his opinion on value. Then we would check for comparable vehicles for sale (in newspaper), and get the book value, and call dealers for quotes. From this we came up with a value.It always ended up being a tug of war as we negotiated the final settlement value. And a huge time waster. It was a bit frustrating, but I became very skilled in negotiating these deals.Then a new company came along called CCC Evaluations, and I think there is an ADP Evaluation company as well. We used CCC. The nice thing about CCC is that they send you about 30 or 40 pages of “documentation” proving the value of the totaled vehicle. The evidence seemed to be overwhelming. And this volume of data really extinguished the arguments of any claimants or insureds. Now settling total loss claims on vehicles was easy. Here’s what we are willing to pay, and that was accepted 99% of the time without further discussion or argument. (Because we sent them a copy of the voluminous report.)This actually worked quite well from the claims adjuster viewpoint. But then a friend of mine was having trouble on a total loss settlement, and asked for my help. This was from 8 years ago, and she had a 2002 Buick. And she had this CCC report. For the first time, I actually analyzed the report.While they list 48 “comparable vehicles,” they only use 3 to actually compare it to. And I figured out they use a computer algorithm to always skew the results. So rather than picking the “most comparable” vehicles in your location, the computer program will always grab one vehicle that is “less comparable” to skew the results. But most people do not notice because there is too much data to analyze.Now if they were obviously cheating to save a lot of money, it would be more noticeable, and they would be caught. So to stay “under the radar,” they only cheat you by a little bit. Like maybe $500. Or maybe a little more? Maybe $1,000?But this accumulates over time. If the insurance company pays $500 less on each total loss claim, how much money are they raking in through this scam?In 2007 there were approximately 16,700,000 new vehicles sold in the USA. Let’s assume maybe 15% of these vehicle purchases were due to a vehicle being “totaled” in an accident. That comes to 2,505,000 total loss claims in one year. And if most insurance carriers are utilizing CCC for their evaluations, and if they cheated everyone by $500, this comes to $1,252,500,000 in surplus revenue that they got from using CCC to run this scam. (If they are trimming $1,000 off of each vehicle evaluation, this comes up to over $2.4 billion of “free money” each year.)In analyzing the CCC report for a friend, I reached this conclusion.Now no one in the insurance industry is going to say anything about this scam. There is too much money involved. And this CCC service must be “paying for itself.” And then some.Here’s a copy of my letter to USAA in which I complained about the inaccuracies of their CCC Evaluation. (Not my claim; I was ghost writing this letter for a friend.) Remember, the adjuster is not the one actually doing the evaluation. Again, it is the CCC computer algorithm doing the work.Dear Claims Adjuster:Thank you for your recent email. I have to admit I was disappointed in your response. When we last spoke about this, you had agreed to run the CCC evaluation limited to our local market of the Twin Cities area. Rather than doing as promised, you now say that the value of my vehicle would drop if we only used the local market. This is not true.I have completed a review of the CCC evaluation that you provided. This evaluation includes three vehicles selected as "comparable vehicles," and then it lists another 45 vehicles. (One of the vehicles listed has no price, so I do not understand the point of that.)Perhaps you could explain the methodology in which you decided which vehicles to use as the "comparables." Out of 48 vehicles, one of the vehicles selected as "comparable" was the lowest priced vehicle in the whole list ($3,763), and that vehicle had been located in Rochester, Minnesota, and it is no longer available. No indication has been provided as to when that vehicle was sold.Since there are sufficient vehicles of this year, make, and model available locally, it is not necessary to expand your search to markets outside the Twin Cities area, unless it is your intention to manipulate the results by finding the lowest priced vehicle in other markets.If we limit the vehicles listed in the CCC evaluation to only vehicles within a 20 miles radius of my home, there are nine vehicles that are comparable to my vehicle. The price listed for all of these nine vehicles total $63,441.00, and calculating the average price of these nine vehicles comes to $7,049.00. The CCC evaluation also includes an adjusted value on these nine vehicles, and this total comes to $50,856.00, and calculating the average adjusted price comes to $5,650.00. The problem with this list is that we have no way of knowing if these vehicles are still available for sale, or if they were simply "recently available." Recently available doesn't help me replace my vehicle.To find vehicles that are actually for sale in this market now, I have checked the Auto Trader web site. I have attached a PDF file of my findings. (I have only included the first page of each of these listings to keep the PDF file small. If you prefer, I can send you the entire listing including all pages for each vehicle.)I located 13 vehicles available in this local market. These are all 2002 Buick LaSabre's. The options are all very similar. From this list, I selected five vehicles that have mileage readings that are closest to the mileage reading on my vehicle. (To view the supporting documentation, please refer to the attached PDF, and I am listing these selections according to their order on the list.)Veh. 1 - 123,815 miles, $7,995.Veh. 8 - 112,118 miles, $6,900.Veh. 9 - 109,801 miles, $5,995.Veh. 10 - 117,502 miles, $5,900.Veh. 13 - 110,464 miles, $5,999.Averaging these five comparable vehicles comes to $6,557.80.You have offered to settle my total loss claim for $5,029.00 before we add on sales tax, license, and vehicle registration. I do not accept this amount. I do not believe this offer reflects the true market value of my vehicle.I am asking that you voluntarily reconsider this matter.Significant time has passed since the accident, and I am extremely disappointed this matter has not yet been resolved. Making me a fair offer to settle my claim would very much be appreciated.Thank you.Do you see what a scam this could be? And I believe they are just cheating by a little bit. Most people would not notice it, or take the time to analyze the numbers. And that means the insurance company is getting away with cheating on total loss settlements.I believe they do this to everyone. But it is a huge secret. And no one is supposed to know about it. Shhhh . . . . don’t tell anyone.

By pass in order to content materialEnd up being Insurance coverage WiseContent articlesIncrease Declare18002660101ManufacturerVehicleBicycleWellnessExistenceAssistanceInformation about how in order to Add/Update Cellular Quantity Within Aadhaar Without having OTPturtlemint insuranceInformation how in order to Add/Update Cellular Quantity Within Aadhaar Without having OTPAadhaar is really a 12-digit distinctive IDENTITY released through the UIDAI- Distinctive Id Expert associated with Indian for an person surviving in Indian. Whatever the grow older as well as sex, anyone may sign-up to obtain a good Aadhaar quantity. Aadhaar catches 2 essential information or even info with regards to the market as well as biometric information from the candidate throughout the procedure for enrolment and it is completely cost free. Using as well as getting a good Aadhaar is really a one-time motion and can stay legitimate for the entire existence.Need for upgrading particulars within AadhaarAadhaar has turned into a appropriate confirmation device in order to authenticate your own identification. This gives you the actual assortment of biometric evidence of your own finger prints or even eye check out, a cutting-edge as well as clear means of confirmation associated with identification. It's a distinctive method of keeping all of the required information within an sanctioned main stockroom associated with UIDAI. During the time of your own Aadhaar enrolment, you're required to give a legitimate get in touch with quantity which goes for you or even your own e-mail identity. These types of is going to be recorded because your own long term get in touch with particulars and you will be associated with your own Aadhaar greeting card. Even though supplying cellular amounts isn't required, in order to get from the on the internet amenities along with other advantages of Aadhaar, it is suggested to possess your own cellular quantity up-to-date or even add your own Aadhaar information.Therefore, upgrading or even including your own cellular quantity is really a essential action, because just about all associated communications as well as essential bulletins relating to your Aadhaar greeting card is going to be sent to your own cellular quantity and it is mainly essential that you should assist you to total the actual KYC confirmation process, allowed through just about all banking institutions and also the insurance providers.Within the next area, all of us may talk about at length the reason why there's a requirement of upgrading your own cellular quantity. After which all of us will require a person with the numerous facets of upgrading or even including your own cellular quantity or even alter cellular quantity within aadhaar greeting card on the internet without having OTP or even how you can revise cellular quantity within aadhaar greeting card without having OTP.Exactly why is the cellular quantity revise needed within Aadhaar?A few handful of essential factors why you have to revise or even include your own cellular quantity as well as they may be detailed quickly because beneath:Tax Division offers started the action in order to hyperlink your own Aadhaar quantity together with your SKILLET. You are able to hyperlink each by going to the state web site associated with tax efiling. Instances exactly where your own title within Aadhaar as well as SKILLET is actually coordinating completely, after that you don't have for just about any OTP. However, if the title isn't comparable using the 2 information of the Aadhaar as well as SKILLET, after that you'd be necessary to confirm the actual Aadhaar OTP, which will arrive just at the authorized cellular quantity documented inside your AadhaarAn additional example in which the cellular is needed is actually exactly where you don't would like the trouble associated with posting your own income-tax come back traditional however would like e-filing come back which may end up being completely paperless, on the other hand, you'd be necessary to authenticate the actual Aadhaar OTP which is delivered to your own authorized cellular quantity along with AadhaarThe federal government associated with Indian has had an additional action in the direction of getting every thing below 1 system, is actually connecting your own Aadhaar quantity together with your cellular quantity. All of the telecommunications providers might be asked to incorporate their own telephone number using their Aadhaar as well as total the actual authentication by means of a good e-KYC processUpdation of the most recent cellular quantity using the Aadhaar data source can help you total all of the required e-KYC processPF drawback along with other PF associated providers along with EPFO will end up always easy in case your Aadhaar is actually associated with your own PF accounts, that once again you'd be required to provide your own cellular quantityStrengthening Aadhaar with regard to several providers such as Federal government & Non-Government Providers, Advantages to obtain Subsidy, Pensions, Interpersonal Advantages, Scholarship grants providers within Financial, Health care Insurance coverage providers, Training, Taxation providers, Work, and so on., causes it to be essential to make certain that Aadhaar information from the citizen, such as the cellular quantity warehoused within the CIDR- Main Identities Information Archive is actually proper as well as up-to-dateHow you can alter the actual cellular quantity on the internet (with OTP)?The authorized cellular quantity is essential to find the amenities associated with Aadhaar On the internet Providers. You are able to authenticate your own cellular quantity which was mentioned throughout enrolment or even the most recent Aadhaar fine detail revise.Confirm Cellular QuantityIf you don't possess your own authorized Cellular quantity during the time of signing up with regard to Aadhaar, you're required to go to a Long term Enrolment Center to obtain this authorized inside your Aadhaar report.1 essential service supplied by UIDAI is actually Aadhaar cellular quantity confirmation, via which you'll very easily confirm your own cellular quantity. The key indicate be aware that you simply should bear in mind is actually which prior to confirming your own cellular quantity, exactly the same must be authorized inside your Aadhaar information upon https: //resident. uidai. gov. in/verify-email-mobile.Let's right now begin to see the actions because beneath:Go to the recognized web site associated with UIDAI from https: //uidai. gov. in/About the webpage, underneath the area ‘My Aadhaar’, choose ‘Aadhaar Services” after which choose “Verify Email/ Cellular Number” because proven beneathConfirm E-mail, Cellular QuantityComplete your own 12-digit Aadhaar quantity within the appropriate room supplied because beneath12-digit Aadhaar quantityKey in your own cellular quantity within the room because proven beneathKey in your own cellular quantityKey in the actual protection signal as well as complete the actual captcha confirmation processYou'll obtain a good OTPClick “Verify OTP” following placing the actual OTP very carefully after which faucet upon publishWhen the authentication works well, you'll get a information saying “Your cellular quantity is actually effectively verified”How you can alter the actual cellular quantity traditional (without OTP)?Just in case you don't have your own authorized cell phone number or even you need to include or even revise another cellular quantity of your own, you are able to adhere to the actual beneath actions:Go to https: //uidai. gov. within or even https: //resident. uidai. gov. withinClick the option“Aadhaar Card” SupportKey in your own 12-digit Aadhaar Quantity or even the actual UID or even the actual VIDEO -a 16- number Digital Id Quantity or even EID-a 28-digits Enrolment IDENTITYYou have to key in the actual protection signalClick the checkbox“If you don't have the authorized cellular quantity, make sure you sign in the actual box”Key in your own Non-Registered or even your own Alternative Cellular QuantityClick “Send OTP”Click the checkbox saying “Terms as well as Conditions”. You might click the website link to determine the factsClick “Submit” crucial to accomplish OTP or even the actual TOTP confirmationAbout the following web page, Aadhaar particulars is going to be proven that you should authenticate before you decide to location the actual purchase for that reprintClick the choice “Make payment”and you'll be rerouted towards the Repayment EntranceFollowing the repayment, the invoice is going to be produced having a electronic personal and you will obtain this within PDF FILE structure. Additionally, you will get a Support Ask for Quantity by way of TEXTYou are able to monitor the actual standing from the SRN until dispatch of the Aadhaar Notice about the choice “Check Aadhaar Greeting card Status”TEXT using the AWB quantity is going to be delivered when the exact same is actually sent through DoP- Division associated with Publish. You may also monitor the actual shipping standing by going to the state DoP web siteJust in case for those who have dropped your own cellular quantity or even don't personal exactly the same cellular quantity which was authorized within Aadhaar, you have to actually go to the closest Aadhaar revise center with regard to updation of the cellular quantity. More than right here, you won't be permitted to revise or even include your own cellular quantity via publish or even on the internet.Essential factors to consider within how you can revise cellular amounts within aadhar greeting card without having OTPIt is necessary that you should sign-up your own cellular quantity together with your aadhaar greeting cardFollowing enrollment, you have to confirm authorized cellular quantity by going to the actual UIDAI recognized web siteJust about all on the internet amenities supplied by UIDAI needed OTP confirmation that are delivered and then the actual authorized cellular amountsProviders perform the actual confirmation procedure via your own Aadhaar, exactly where once again, you'd require your own authorized cell phone number, because OTPs tend to be delivered and then the actual Aadhaar authorized amounts to accomplish the actual dealFinal, although not minimal, it is necessary in order to make sure that the best named beneficiary gets the advantage or even carrying out any kind of deal, with no phony identification does exactly the sameSince all of us understand how to revise cellular amounts within aadhar greeting card without having OTP as well as numerous circumstances in which the OTP is going to be needed as well as understanding the significance to possess a authorized cell phone number within Aadhaar information, it is usually recommended that you need to include or even revise your own cell phone number. Benefit from the complete advantages of getting a good Aadhaar and don't skip the key improvements.FAQ’sWe don't have my personal cellular authorized during my Aadhaar information; can one make use of the SSUP website with regard to tackle revise?Absolutely no, you'll want the authorized cell phone number to work with the actual SSUP website.My personal cell phone number is actually authorized during my Aadhaar, however I wish to exchange this along with my personal 2nd quantity. Are you able to get it done on the internet?Perform I must go to the exact same enrolment center with regard to any type of revise exactly where I'd carried out my personal unique enrolment?What type of particulars can one revise basically 'm while using on the internet Personal Support Revise -SSUP website to have an revise?Do you know the feasible methods to revise my personal particulars during my Aadhaar?Obtain Greatest Quotes with regard toVehicleBicycleWellnessExistenceDiscover Auto insurance ProgramsTurtlemint -- On the internet Insurance coverageObtain CoveredAuto insuranceBicycle Insurance coverageMedical health insuranceLife insurance coverageBe a Electronic CompanionFast HyperlinksHouseRegarding all of usWeblogNon-life insurance coverage companionsDeclarePlan Cancellation & ReimbursementProfessionsPoSP ContractInvictus Insurance coverage Broking Providers Personal Restricted.IRDAI Permit Absolutely no. 487,Immediate Agent (Life & General),Legitimate upto: 02/04/2023 (Renewable)Primary Official: Vilas Gandre,+91-9833248023Get in touch withAuthorized & Business Workplace:303, Cosmos Jane Recreation area, 116 /B, Kolbad, Thane (West) – 400601CIN Absolutely no. 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CBSE Board has announced the CBSE Board Date Sheet 2017 for 12th standard students. There are nearly 10.98 lakh students in 12thstandard. The CBSE Board announced the delay in the board exams through the CBSE Board 12th Date Sheet 2017. due to assembly elections in five states.CBSE Board Date Sheet 2017As per the recently announced CBSE 12th Date Sheet 2017, the Board Exams for Class 12 students will begin on 9th March 2017 with English paper and end on 29th April 2017 with an elective paper.Visit here for CBSE 10th class date sheet 2017The detailed CBSE Board Date Sheet 2017 for 12th class can be found below:CBSE Board Timetable 2017DateTimeSubject9th March 201710.30 A.M. TO 11.30 A.M.English Elective –NcertEnglish Elective-Cbse(Functional English)English Core10th March 201710.30 A.M. TO 1.30 P.M.Dance –KathakDance-BharatnatyamDance –OdissiDance-KathakaliCreative Writing & Translation StudiesSindhiOffice CommunicationInformation Storage & RetrievalIntegrated Transport OperationFront Office OperationsTravel Agency & Tour Operations Business (Nsqf)Salesmanship-IiCapital Market OperationsBanking-Ii15th March 201710.30 A.M. TO 1.30 P.M.PhysicsPersianSecretarial Practice & Accounting15th March 201710.30.A.M. TO 12.30 P.M.Air Conditioning & Refrigeration – IiiOptics –IiRadiography-I GeneralElectrical Machine15th March 201710.30.A.M. TO 1.00 P.M.Clinical Bio-Chemistry (MLT)Child Health NursingGarment Construction –IiTraditional Indian Textile16th March 201710.30 A.M. TO 1.30 P.M.Business StudiesBasic Horticulture-Ii16th March 201710.30 A.M. TO 1.00 P.M.Beauty & Hair -IiOperation & Maintenance Of Communication Devices18th March 201710.30 A.M. TO 1.30 P.M.Urdu ElectivePunjabiTamilManipuriMalayalamAssameseKannadaUrdu CoreManipuriMalayalam20th March 201710.30 A.M. TO 1.30 P.M.MathematicsFirst Aid & Emergency Medical CareClinical Bio-Chemistry & Microbiology-Ii20th March 201710.30 A.M. TO 1.00 P.M.Microbiology (MLT)Health Centre Management20th March 201710.30 A.M. TO 12.30 P.M.Opthalmic Techniques-IiRadiography-Ii (Special Investigation Imaging Radiography)21st March 201710.30 AM TO 12.30 PMShorthand EnglishShorthand Hindi21st March 201710.30 A.M. TO 1.30 P.M.Fashion StudiesAgricultureOdiaGermanRussianEngineering Science21st March 201710.30 A.M. TO 1.00 P.M.Database Management Application (Nsqf)23rd March 201710.30 A.M. TO 1.30 P.M.HistoryRetail Services-Ii(Nsqf)-Logistice Operation & Supply Chain Management –IiBusiness Operation & Administration –Ii23rd March 201710.30 A.M. TO 1.00 P.M.Laboratory Medicines (Clinical PathologyHematology & Histopathology –Ii (Mlt)24th March 201710.30 A.M. TO 1.30 P.M.Food Production IiiIntroduction To Hospitality Management(Nsqf)25th March 201710.30 A.M. To 1.30 P.M.ChemistryApplied PhysicsFood & Beverage Cost & ControlFloricultureCost Accounting25th March 201710.30 A.M. To 12.30 P.M.Biology Opthalmic-IiRadiation Physics27th March 201710.30 A.M. TO 1.30 P.M.Informatics PracticesComputer ScienceAdvanced Front Office OperationsOlericulture – IiInsurance –Ii27th March 201710.30 A.M. TO 1.00 P.M.Basic Pattern Development29th March 201710.30 A.M. TO 1.30 P.M.AccountancyBakery-Ii29th March 201710.30 A.M. TO 1.00 P.M.Holistic Health –IiSecurity(Nsqf)30th March 201710.30 A.M. TO 1.30 P.M.Food Production Iv(CBSE Board Date Sheet 2017)31st March 201710.30 A.M. TO 1.30 P.M.Engineering GraphicsHeritage CraftsHuman Rights & Gender StudiesLibrary And Information ScienceTibetanJapaneseSpanishMechanical EngineeringMarketing- Ii31st March 201710.30 A.M. TO 1.00 P.M.Textile Chemical ProcessingWeb Application – Ii (Nsqf)1st April 201710.30 A.M. TO 1.30 P.M.Knowledge Traditions & Practice Of IndiaLegal StudiesGraphic DesignHealth Education, Communication, And PublicRelations & Public HealthThe Creative & Commercial Process In Mass Media-Ii1st April 201710.30 A.M. TO 1.00 P.M.Printed Textile1st April 201710.30 A.M. TO 12.30 P.M.Typography & Computer Application(Eng.)3rd April 201710.30 A.M. To 1.30 P.M.Political ScienceLaboratory Medicine-IiRetail Operations-Ii(Nsqf)Financial Accounting-Ii5th April 201710.30 A.M. TO 1.30 P.M.BiologyTaxation-IiDerivative Market Operations5th April 201710.30 AM TO 12.30 PMAir Conditioning & Refrigeration-Iv6th April 201710.30 A.M. TO 1.30 P.M.GeographyBiotechnologyLibrary Systems & Resource Management10th April 201710.30 A.M. TO 1.30 P.M.Physical Education12th April 201710.30 A.M. TO 1.30 P.M.Sociology17th April 201710.30 A.M. TO 1.30 P.M.Economics17th April 201710.30 A.M. TO 1.00 P.M.Trouble Shooting & Maintenance OfElectronic Equipment18th April 201710.30 A.M. TO 1.30 P.M.Home Science19th April 201710.30 AM TO 12.30 PMPaintingGraphicsSculptureApplied Arts-Commercial ArtsElectrical Appliances19th April 201710.30 AM TO 1.30 PMConfectionery20th April 201710.30 AM to 1.30 PMTheatre StudiesTangkhul22nd April 201710.30 A.M. TO 1.30 P.M.Hindi ElectiveGujaratiNepaliLimbooLepchaBhutiaHindi Core24th April 201710.30 A.M. TO 1.30 P.M.Psychology25th April 201710.30 A.M. To 1.30 P.M.Music Karnataka (Vocal)Music Karanataka Instrumental (Melodic)Music Hindustani VocalMusic Hindustani Instrumental MelodicMusic Hindustani Instrumental Percussion26th April 201710.30 A.M. To 1.30 P.M.Mass Media Studies27th April 201710.30 A.M. TO 1.30 P.M.Sanskrit ElectiveBengaliTeluguMarathiArabicFrenchTelugu-TelanganaMizoSanskrit CoreUnderstanding The Evolution And Forms OfMass Media-Ii27th April 201710.30 A.M. TO 1.00 P.M.Auto Engineering-Ii(Nsqf)28th April 201710.30 AM TO 1.30 PMNational Cadet Corps(Ncc)Multimedia & Web Technology28th April 201710.30 A.M. TO 1.00 P.M.Autoshop Repair & Practice-Ii NsqfFabric Study28th April 201710.30 A.M. TO 12.30 P.M.Typography & Computer Application(Hindi)29th April 201710.30 A.M. TO 1.30 P.M.PhilosophyEntrepreneurshipOffice Procedure & PracticesBasic Concept Of Health And Disease AndMedical TerminologyFood Service-IiGeospatial Technology29th April 201710.30 A.M. TO 1.00 P.M.MidwiferyHow To Download CBSE 12 Hall Tickets 2017:Steps to download the CBSE 12th Admit Card 2017:Log on to the official website CBSE.2. Click the link ‘Download Hall Ticket.’3. Read the instructions carefully and click on agree.4. Enter the required details like registration number and date of birth.5. Download and take a printout of the hall ticket.6. Remember to carry it on the exact date.How To Download CBSE 12th Time Table/Date Sheet 2017:Candidates can download the CBSE time table through the official website.Candidates should go to the Official site of Board.Follow the section Examination like Examination schedule.Choose the suitable course link for which you had been applied.A new page of exam schedule will display in the PDF format.At last, take print out of Time table/ date sheet for future use.Central Board Of Secondary Education – All IndiaName of the Board: Central Board of Secondary Education (CBSE)Name of the Examination: CBSE Board Examination (12th)Courses offered: Arts, Science, CommerceOfficial website: CBSE Exam Results 2016Exam Dates: In the month of Mar/Apr 2017Category: CBSE 12th Admit Card 2017Admit Card Availability: Released in the month Of Feb2017Addressing the concerns of CBSE Board’s students, the CBSE Board Date Sheet 2017 for the 12th class has announced. today from the Delhi office of the board in a press meet. The CBSE Board Date Sheet 2017 for 12th Class students was announced in the presence of senior board officials including CBSE Chairman Shri R.K Chaturvedi.While declaring the CBSE 12th Date Sheet 2017, the board officials noted that the exam has been postponed by a week due to the impending assembly elections in five states of Punjab, Goa, Manipur, Uttarakhand and Uttar Pradesh. However, alleviating the concerns of over 10 lakh students, the board also noted that the exam has been delayed only by a week, which will not be a major problem for students for further admission process in higher education institutions.