16. - **mutual funds**:
Score: 0
Qualitative Assessment: Needs Improvement
Description: Gagan did not demonstrate knowledge or experience in mutual funds. He should discuss his expertise in fund management and analysis.

17. - **user stories**:
Score: 0
Qualitative Assessment: Needs Improvement
Description: Gagan did not discuss user stories or related experience. He should highlight his experience in creating and managing user stories.

18. - **product owner**:
Score: 0
Qualitative Assessment: Needs Improvement
Description: Gagan did not demonstrate experience as a product owner. He should discuss his role in product management and ownership.

19. - **us retirement solution**:
Score: 0
Qualitative Assessment: Needs Improvement
Description: Gagan did not discuss US retirement solutions. He should highlight any relevant experience in this area.

20. - **business analysis**:
Score: 0
Qualitative Assessment: Needs Improvement
Description: Gagan did not demonstrate business analysis skills. He should discuss his experience in analyzing business processes and strategies.