16. - **mutual funds**:
Score: 2
Qualitative Assessment: Needs Improvement
Description: Gagan did not demonstrate knowledge or experience in the mutual funds domain. He should research the industry and provide relevant examples from his experience.

17. - **user stories**:
Score: 2
Qualitative Assessment: Needs Improvement
Description: Gagan did not discuss his experience with user stories. He should highlight any relevant experience in gathering and analyzing user requirements.

18. - **product owner**:
Score: 2
Qualitative Assessment: Needs Improvement
Description: Gagan did not mention any experience as a product owner. He should discuss any relevant experience in managing product development and stakeholder communication.

19. - **us retirement solution**:
Score: 2
Qualitative Assessment: Needs Improvement
Description: Gagan did not demonstrate knowledge or experience in US retirement solutions. He should research this area and discuss any relevant experience.

20. - **business analysis**:
Score: 2
Qualitative Assessment: Needs Improvement
Description: Gagan did not demonstrate business analysis skills relevant to the role. He should discuss his experience in analyzing business processes and requirements.