16. - **mutual funds**:
Score: 2
Qualitative Assessment: Needs Improvement
Description: Gagan did not demonstrate knowledge or experience in mutual funds, failing to discuss relevant topics such as fund performance analysis or regulatory compliance.

17. - **user stories**:
Score: 2
Qualitative Assessment: Needs Improvement
Description: Gagan did not discuss user stories or their relevance to the job role, indicating a lack of understanding in this area.

18. - **product owner**:
Score: 2
Qualitative Assessment: Needs Improvement
Description: Gagan did not demonstrate knowledge or experience related to product ownership, failing to discuss relevant responsibilities or skills.

19. - **us retirement solution**:
Score: 2
Qualitative Assessment: Needs Improvement
Description: Gagan did not discuss US retirement solutions or their relevance to the job role, indicating a lack of understanding in this area.

20. - **business analysis**:
Score: 2
Qualitative Assessment: Needs Improvement
Description: Gagan did not demonstrate knowledge or experience in business analysis, failing to discuss relevant responsibilities or skills.