This one book made Nikhil Kamath rethink what success really means

1/2The Confident Child Masterclass: Public Speaking & Storytelling Excellence (Batch 4)Register NowTOI Young Leaders: New Age Careers In the Era of AIRegister NowThe Confident Child Masterclass: Public Speaking & Storytelling Excellence (Batch 4)Register NowTOI Young Leaders: New Age Careers In the Era of AIRegister NowThe Confident Child Masterclass: Public Speaking & Storytelling Excellence (Batch 4)Register NowNewsHe dropped out of school and became a billionaire, but one book made Nikhil Kamath rethink what success really meansHe dropped out of school and became a billionaire, but one book made Nikhil Kamath rethink what success really meansTOI Education / Jul 09, 2026, 11:07 ISTCommentsShareAA+Text SizeSmallMediumLarge He built a billion-dollar company without a college degree. Then one book changed the way Nikhil Kamath looked at life For many students, success seems to follow a familiar formula: do well in school, earn a college degree, get a high-paying job and climb the corporate ladder. Nikhil Kamath took a very different route. A school dropout who went on to co-found Zerodha, India's largest retail brokerage firm, Kamath became one of the country's youngest self-made billionaires without a conventional academic degree. Yet, despite building enormous wealth before the age of 40, he says one of his biggest life lessons didn't come from business, investing or entrepreneurship. It came from reading a book. The book that changed how he looked at life Around the age of 34, Kamath read The Denial of Death, a Pulitzer Prize-winning work by Ernest Becker. The book explores an uncomfortable but universal idea: much of human ambition is shaped by our awareness that life is finite. After finishing it, Kamath did a simple calculation. Based on the average human lifespan, he estimated that he had roughly 36 years left to live. It wasn't a financial exercise or an investment projection. It was a reminder that time—not money—is the most limited resource we possess. The thought fundamentally changed the way he evaluated success, decisions and priorities. For someone who had spent years analysing markets, it was a lesson in understanding life instead of numbers. Five books that shaped his thinking Kamath has often spoken about the books that influenced his outlook, arguing that reading helped him understand people better than balance sheets. Among his recommendations is The Psychology of Money by Morgan Housel, which explains that financial success depends less on intelligence and more on behaviour. Patience, discipline and emotional control, it argues, matter far more than trying to predict markets. Another recommendation is Stillness Is the Key, where Ryan Holiday explores how calm thinking often leads to better decisions, especially during uncertain times. He has also recommended The Selfish Gene, in which Richard Dawkins examines how evolution influences human behaviour and decision-making. On a completely different theme, Kamath suggested reading Caste by Isabel Wilkerson, a Pulitzer Prize-winning journalist whose work examines social hierarchies and inequality across societies. Together, these books cover psychology, philosophy, biology, history and human behaviour—subjects that extend far beyond finance. Education doesn't end with a degree Kamath's journey should not be read as an argument against formal education. Instead, it highlights a different truth. Learning does not stop after school or college. Whether someone earns a university degree or not, curiosity remains one of the most valuable assets they can develop. Reading widely exposes people to ideas that classrooms may never cover. It challenges assumptions, sharpens judgement and often changes the way people approach work, relationships and life itself. For students preparing for competitive examinations or planning their careers, that may be the most enduring lesson from Kamath's story. The biggest investment isn't always financial People often ask successful entrepreneurs about the stocks they bought, the businesses they built or the risks they took. Kamath's reading list offers a different perspective. The books that influenced him are not manuals on getting rich quickly. Instead, they explore why people make decisions, how emotions shape financial behaviour, why societies function the way they do and how recognising life's limits can help people focus on what truly matters. Perhaps that explains why, despite building a billion-dollar company, one of the lessons Kamath speaks about most isn't related to wealth at all. It's about time. Because while money can grow, time never does. Disclaimer: This article is based on publicly available interviews, recommendations and statements attributed to Nikhil Kamath. The books mentioned reflect his personal reading preferences and should not be interpreted as financial, investment or career advice.Ready to navigate global policies? Secure your overseas future. Get expert guidance now!End of ArticleFollow Us On Social MediaPhotostoriesWhy one negative comment from a stranger can overshadow 100 compliments, according to psychologySolar eclipse on August 12: Why NASA says this one is rare60-second money lesson: Why buying fruits every Sunday could actually save you moneyDoctors warn of a hidden monsoon threat in Mumbai: Why Leptospirosis is being mistaken for viral fever, dengue and malaria"Agar...mil jaye to duniya bhul jaye aadmi": MP Chief Minister Mohan Yadav's love for this fiber-rich local dish is so relatable; detailed recipe insideSigns your child is naturally curious and why parents should encourage itToday's Inspirational Quote of the day based on your birth dateSkip Pudding! Try these 9 soul-warming Indian Halwas straight from Dadi Maa's kitchenWhat Kate Middleton's public demeanour can teach us about emotional controlFrom calling her son a miracle baby, revealing she reached 83 Kilos after pregnancy to being body-shamed: When Rupali Ganguly spoke about motherhood, career and life123Hot PicksIndia-AustraliaTiesOmar AbdullahNew EPFO portalMahadev AppNET paper leakMonsoon trackerStock market todayStrait of HormuzNew EPFO PotralTop TrendingCrude oilRamesh MhatreUS Section 301FIFA World Cup 2026India u19 vs Sri Lanka U19Andhra Hospital MurderWeather todayDelhi NCR rainBihar BDO Wife MurderIran warTired of too many ads?go ad free nowTrending StoriesIn SectionEntire WebsiteIran War Live Updates: Middle East war reignites? Iran threatens 'hard slap' after US strikes, targets 3 Gulf statesICMAI CMA Foundation June 2026 result released, check scorecard at icmai.in: Direct link'Son of a b***': Paraguayan senator Celeste Amarilla launches fresh attack on Kylian Mbappe, refuses to back down in racist rowWho is Arnav Paparkar? Meet the first Indian in 36 years to reach Wimbledon boys' singles quarterfinalsTTE Suspended Over Decor: Railways orders inquiry into ‘honeymoon suite’ AC cabin; event firm under scrutinyNovak Djokovic vs Jannik Sinner Wimbledon 2026 semi-final match: Date, time, when and where to watch in UK, USA, India, France and moreNHL Trade Rumor: Pittsburgh Penguins and Philadelphia Flyers emerge as landing spots for $92M Vancouver Canucks' star'Top 5 tallest players in professional tennis history: Ivo Karlovic, Reilly Opelka, Kevin Anderson and moreDylan Larkin and wife Kenzy Wolfe combined net worth 2026: Detroit Red Wings captain and wife earnings, endorsements, investments, and lifestyle insights"Just maintaining a positive mindset": Josh Allen makes emotional admission about life with Hailee Steinfeld before NFL season beginsIran War Live Updates: Middle East war reignites? Iran threatens 'hard slap' after US strikes, targets 3 Gulf statesICMAI CMA Foundation June 2026 result released, check scorecard at icmai.in: Direct link'Son of a b***': Paraguayan senator Celeste Amarilla launches fresh attack on Kylian Mbappe, refuses to back down in racist rowWho is Arnav Paparkar? Meet the first Indian in 36 years to reach Wimbledon boys' singles quarterfinalsTTE Suspended Over Decor: Railways orders inquiry into ‘honeymoon suite’ AC cabin; event firm under scrutinyNovak Djokovic vs Jannik Sinner Wimbledon 2026 semi-final match: Date, time, when and where to watch in UK, USA, India, France and moreNHL Trade Rumor: Pittsburgh Penguins and Philadelphia Flyers emerge as landing spots for $92M Vancouver Canucks' star'Top 5 tallest players in professional tennis history: Ivo Karlovic, Reilly Opelka, Kevin Anderson and moreDylan Larkin and wife Kenzy Wolfe combined net worth 2026: Detroit Red Wings captain and wife earnings, endorsements, investments, and lifestyle insights"Just maintaining a positive mindset": Josh Allen makes emotional admission about life with Hailee Steinfeld before NFL season beginsTired of too many ads?go ad free nowDaily PuzzlesConnectThe Perfect TracePlay Now Loop The LoopPuzzle CircuitPlay Now Daily CrosswordSpecial puzzlePlay Now Explore More PuzzlesExplore Every CornerAcross The GlobeTom BradyBlake LivelyArnav PaparkarCristiano RonaldoNHL Trade RumorArgentina Football TeamNFL Trade RumorsLionel MessiLawrence GangNBA TradeDelhi NCR RainSurat Rain DeathRam Temple Donation TheftIran warMonsoon TrackerCeleste AmarillaAndhra Hospital MurderShreyas Iyer SisterIsmael SaibariMumbai School HolidayKarnataka school holidayLionel MessiConor McGregorFIFA World Cup ScheduleWilliam NylanderBengaluru Student SuicideLewis HamiltonWimbledon 2026Nijjar KillingKayla NicoleAbout usCreate Your Own AdTerms of Use and Grievance Redressal Policy Privacy policyAdvertise with usRSSNewsletterFeedbackePaperSitemapArchivesLiving and EntertainmentCricbuzzLifestyleNewspaper SubscriptionFood NewsTVTimes PrimeTravel DestinationsWhats HotETimesTimes LifeTimes PetsMyLifeXPServicesCouponDuniaTechGigTimesJobsBollywood NewsTimes MobileGadgetsCity NewsWork with UsColombiaTOI GlobalHot on the WebAmitabh BachchanHarrison FordSundar PichaiBaby NamesAlpha Box Office CollectionElon MuskAnurag KashyapRajkummar RaoLeonardo DicaprioMeenakshi SheshadriRajesh SharmaTilly NorwoodSuhagrat ExpressUrmil Paul Death NewsIMD Weather ForecastHindumbi Kaurom KakkadaDavid BowieBaby Girl NamesBobby DeolRupali GangulyHema MaliniAlia BhattVinod KhannaMaa Inti Bangaaram Box Office CollectionShubhangi AtreLock Upp 2Emmy Awards 2026Hina KhanMrunal Thakur HouseHoroscope TodayMuslim Divorce RulingPM Modi Australia VisitCR7 Ancient GalaxyColombia's Caño CristalesGreenland Robot ArmyWorld's Tallest TreesRussia Vs Ukraine DronesGermany IRIS-T SLXNATO Saab GlobalEyeFossil FuelNyt ConnectionsCaptions For Instagram PostsTrending TopicsSophie CunninghamStephen A Smith ControversyIndia Vs Sri Lanka U19MinecraftLuka DoncicsCarolina PanthersEd SheeranTravis KelceNolan Xavier WellsBTS Halftime ShowCristiano RonaldoLionel Messi World Cup CareerFIFA Ticket PricesNational School Performance IndexTNPSC RecruitmentVaibhav SooryavanshiBengaluru Daycare AbuseDonald TrumpKashi Vishwanath Dham FiringDinesh KartikUS Strikes IranNijjar KillingPakistan Cargo Plane MissingUS Iran ConflictUS Spain TradeAbbas AraghchiTheo FranckenDamascus ExplosionsXI JinpingWhite HouseMeta Super Sensing AI GlassesParents Phone AddictionOpenAI GPT Live Voice ModelDigitalsystem Technology FCCGrok 4.5AI Chatbots Fake DiseaseWorld's First ChatbotDJI Osmo Pocket 3Garena Free Fire MAX Redeem CodesPeroxide CodesGenshin Impact CodesPopular CategoriesHeadlinesSports NewsBusiness NewsIndia NewsWorld NewsInternational SportsHealthBreaking NewsTravelAstrologyDeorhiTOI Young LeadersTOI Home Decor AwardsPower Creator Awards 2026TOI Ecopreneur Awards 2026Gold Rate TodayWeather TodaySilver Price TodayDelhi Weather TodayPetrol Price TodayDiesel Price TodayCNG Price TodayLPG Price TodayPetrol Price MumbaiFIFA 2026Is Bank Open TodayFIFA 2026 ScheduleIs Bank Open TomorrowPublic Holidays in JuneBank Holidays in JuneTrending VideosMutiny - Official TrailerIthiri Neram | Song - NeeyorikkalSuper Subbu | Song - EgiripoDune: Part Three - Official Hindi TrailerKangana Ranaut On Siya Goyal's Alleged Marriage With Chetan: 'Avoid Jail, Live Conservatively'Dune: Part Three - Official TrailerUGC-NET Under Scanner After Alleged Paper Leak; Education Ministry Seeks NTA InvestigationDRDO Successfully Tests Pinaka Long-Range Guided Rocket; Hits Target With Pinpoint AccuracyFresh US Tariff Threat Explained: How India Is Fighting America's Proposed 12.5% Forced Labour Duty'Wrong Man To Fight': Trump Silences Zelensky With Putin Praise, Then Issues A Big WarningOn Cam: Trump Interrupts Rubio On Ukraine's Deep Strikes Into Russia At NATO Summit'I WILL NEVER BOW': Meloni Confronts Trump At NATO Summit; Big Fight Erupts In Ankara | WATCHSo Shaken By Iran, Mr. President? Trump's 'Islamic Republic Of Japan' Gaffe Goes Viral | WatchTrump 'INSULTS' Zelensky To His Face With This Unexpected Message; Awkward Reaction Goes ViralUS, Iran 'Face-Off' Near Kharg Island, Heavy Bombardment Begins; 'AIR DEFENCES, FIGHTER JETS...'Trump Claims He's On Iran's 'Kill List'; Chilling Air Force One Remark Sparks Alarm‘WILL KILL ALL AMERICANSON IRANIAN SOIL…’: Iran Dares Trump Over Kharg Island ClashIran Blitz ‘Makes Trump Hang His Head’ In Embarrassment As NATO Allies Berate US Op | Times ExplainsLatest NewsSnake bites 4 students in school hostel, 1 diesSunny Deol's new clean-shaven avatar fuels 'Ramayana' speculation; Fans CLAIM it's for Hanuman's role in Nitesh Tiwari's mythological dramaRoots, rivalries & reconnections: Ayyoub Bouaddi's path from France to Morocco comes full circleSaicon acquires AI firm Pragmatyc to bolster enterprise AI capabilitiesIndia flags inconsistencies in US approach to Section 301 forced labour law, points to selective exemptions4 earthquakes jolt Marathwada in under two hours; no casualties reported'He will be one of the best captains of India': Shresta Iyer backs brother Shreyas Iyer after England hammeringKatie Price net worth: From a £45 million fortune to bankruptcy battles, how much is the former glamour model worth today?Turkey's Erdogan gifts Starmer, Carney engraved pistols at Nato SummitWhy chocolate comes wrapped in foil: The surprising science behind its shiny protective layerSIR search unearths Hindu student's AMU Seerat certificate7 killed, 2 injured in lorry-MUV collision in KarnatakaIndia gets its 98th GM! Both parents chess coaches, 10th board exam forced a break: The making of Aswath S | Exclusive"Carry on": Flight instructor jumps to death from aircraft, leaving student to land it aloneBruce Willis' wife says 'FTD doesn't scream, it whispers': The subtle signs that led to his dementia diagnosisGATE Is No Longer Just for Engineers: How Humanities Students Are Finding New Pathways to IITs and Research'King' budget: Did director Siddharth Anand RUBBISH claims that Shah Rukh Khan-starrer cost Rs 450 croreAmitabh Bachchan: 'Admitting a mistake is not wrong, it shows character'Copyright © 2026 Bennett, Coleman & Co. Ltd. All rights reserved. For reprint rights: Times Syndication ServiceFollow Us Onwindow.isPrimeUserLayout = false; function stpPgtn(event) { event.stopPropagation(); } function stpPgtnAndPrvntDefault(event) { event.stopPropagation(); event.preventDefault(); } window.isPrime=false; window.showAdsOnTOIPlus=false; window.isPrimeLayout=false; window.isCWVTrackingAlreadyManged= true; window.cwvReportingInfo = window.cwvReportingInfo || {"pages":"articleshow","userPercentage":"1","data_store":"grx","grxUserPercentage":"100","js":{"async":"true","url":"https://assets.toiimg.com/assets/toi_js/toi_webvitals_v2.js","pathname":"toi_webvital_events_min_js.cms?v=6","loadJsAt":"body"},"sectionWiseUserPercent":[{"userPercent":"100","section":"auto"},{"userPercent":"100","section":"world"}],"platforms":"web","section":"education","subsection":"news","browsing_platform":"web","page_template":"articleshow","business_property":"toi","loadJsAt":"body"}; window.gptRan = false; window.PWT = window.PWT || {}; window.googletag = window.googletag || { cmd: [] }; window.TimesApps = window.TimesApps || {}; window.TimesApps.PopUpV2Manager = window.TimesApps.PopUpV2Manager || { cmd: []} window.debugLogs = window.debugLogs || function (logStr, val) { try { if ( typeof window === 'object' && window.location.href.indexOf('debugLogs=1') > -1 ) { console.log(logStr, val); } } catch (e) { //console.log(e); } }; window.getFromClient = window.getFromClient || function (url, cb) { var xhr = new XMLHttpRequest(); xhr.open("GET", url, true); xhr.onreadystatechange = function () { if (this.readyState == 4 && this.status == 200) { if (cb && typeof cb === 'function') { try { var data = JSON.parse(this.responseText); cb(data); } catch (e) { cb(this.responseText); } } } } xhr.send(); } function attachEventListners(elem, cb){ elem.addEventListener("pointerup", cb); elem.addEventListener("click", cb); elem.addEventListener("pointerdown", cb); } function handleUAType1(container) { const elements = (container || document).querySelectorAll('[data-ua-type="1"]'); elements.forEach(function(elem) { attachEventListners(elem, stpPgtnAndPrvntDefault); }); }; function handleUAType2(container) { const elements = (container || document).querySelectorAll('[data-ua-type="2"]'); elements.forEach(function(elem) { attachEventListners(elem, stpPgtn) }); }; handleUAType1(); handleUAType2(); window.addEventListener("HTML_UPDATED", (event) => { const container = event.detail.root; if (container) { handleUAType1(container) handleUAType2(container) } }); window.Times = window.Times || {}; window.Times.pageLoadAdsArr = [{"name":"topBand","adCode":"\u002F23037861279\u002FTOI_WEB\u002FTOI_WEB_ACROSS\u002FTOI_WEB_ACROSS_AX\u002FTOI_WEB_ACROSS_AX_TOPBAND","divId":"div-gpt-ad-topband-1628142867492-0","size":[[1000,60]],"checkJarvisIsAdActive":"topBand","addclass":"isAdActive"},{"adCode":"\u002F23037861279\u002FTOI_WEB\u002FTOI_WEB_EDUCATION\u002FTOI_WEB_EDUCATION_AS\u002FTOI_WEB_EDUCATION_AS_ATF","divId":"div-gpt-ad-1416989701201-c4a1a13d-61eb-4903-92c0-d4402b493fb6-atf","size":[[980,200],[970,250],[728,90],[750,200],[930,180],[950,90],[980,120],[970,90]],"name":"masthead"},{"name":"mrec","size":[[300,250],[250,250]],"adCode":"\u002F23037861279\u002FTOI_WEB\u002FTOI_WEB_EDUCATION\u002FTOI_WEB_EDUCATION_AS\u002FTOI_WEB_EDUCATION_AS_MREC_1","divId":"div-gpt-ad-1416989701201-8bc3ed7b-ddb5-4a1e-8a70-d6c95f70c4ff-132278139","msid":"132278139","articleIndex":0},{"name":"mrec1","size":[[300,250],[250,250]],"adCode":"\u002F23037861279\u002FTOI_WEB\u002FTOI_WEB_EDUCATION\u002FTOI_WEB_EDUCATION_AS\u002FTOI_WEB_EDUCATION_AS_MREC_2","divId":"div-gpt-ad-1533900544881-67e74ae0-138d-4757-9a73-6bacf3a9a5ef-132278139","msid":"132278139","articleIndex":0},{"name":"mrec2","size":[[300,250],[250,250]],"adCode":"\u002F23037861279\u002FTOI_WEB\u002FTOI_WEB_EDUCATION\u002FTOI_WEB_EDUCATION_AS\u002FTOI_WEB_EDUCATION_AS_MREC_3","divId":"div-gpt-ad-1533710578908-71a57423-1b7e-42f6-b7e8-c49382cdbcdf-132278139","msid":"132278139","articleIndex":0},{"divId":"div-gpt-650c3acb7b_innov","adCode":"\u002F23037861279\u002FTOI_WEB\u002FTOI_WEB_EDUCATION\u002FTOI_WEB_EDUCATION_AX\u002FTOI_WEB_EDUCATION_AX_INNOV","failover":[{"adCode":"\u002F23037861279\u002FTOI_WEB\u002FTOI_WEB_EDUCATION\u002FTOI_WEB_EDUCATION_AS\u002FTOI_WEB_EDUCATION_AS_SKINNER_LHS","size":[[125,600],[160,600],[120,600]],"divId":"TOI_appgutter_left","perpetualRefresh":1},{"adCode":"\u002F23037861279\u002FTOI_WEB\u002FTOI_WEB_EDUCATION\u002FTOI_WEB_EDUCATION_AS\u002FTOI_WEB_EDUCATION_AS_SKINNER_RHS","size":[[125,600],[160,600],[120,600]],"divId":"TOI_appgutter_right","perpetualRefresh":1}],"name":"gutter","perpetualRefresh":1}];window.Times = window.Times || {}; window.Times.adsKeys = window.Times.adsKeys || {}; window.Times.adsKeys = {"author":"","BL":"1","Tmpl_SCN":"Articleshow","Channel":"toi","Meta_Keywords":"nikhil kamath books,zerodha founder life lessons,nikhil kamath reading list,billionaire success story,the denial of death,entrepreneurship lessons","SCN":"education","SubSCN":"news","Article_ID":"132278139","iab":"IAB90-111"};function loadScript(url) { var script = document.createElement('script'); script.src = url; script.async = true; script.onerror = function() { try{ window.DisplayBlkrDetected('prebidBlocked') } catch(e){ window.prebidBlocked = true; } }; document.head.appendChild(script); } loadScript('https://assets.toiimg.com/assets/prebid/js/til_prebid_new.js?v=26') function loadTAM(){ !function(a9,a,p,s,t,A,g){if(a[a9])return;function q(c,r){a[a9]._Q.push([c,r])}a[a9]={init:function(){q("i",arguments)},fetchBids:function(){q("f",arguments)},setDisplayBids:function(){},targetingKeys:function(){return[]},_Q:[]};A=p.createElement(s);A.async=!0;A.src=t;g=p.getElementsByTagName(s)[0];g.parentNode.insertBefore(A,g)}("apstag",window,document,"script","https://c.amazon-adsystem.com/aax2/apstag.js"); // initialize apstag with global settings apstag.init({"pubID":"5025","adServer":"googletag"}); } loadTAM();window.adRecoverInterval = setInterval(() => { if(window.geoinfo && window.geoinfo.CountryCode !== 'IN' && window.geoinfo.Continent !== 'EU'){ clearInterval(window.adRecoverInterval);(function(w, d) { var s = d.createElement('script'); s.src = '//delivery.adrecover.com/39799/adRecover.js?ts=1570619213772'; s.type = 'text/javascript'; s.async = true; (d.getElementsByTagName('head')[0] || d.getElementsByTagName('body')[0]).appendChild(s); })(window, document); } }, 1000); TimesGDPR=window.TimesGDPR||{};TimesGDPR.common=window.TimesGDPR.common||{};TimesGDPR.common.getParameterByName=function(b,a){if(!a){a=window.location.href}b=b.replace(/[\[\]]/g,"\\$&");var d=new RegExp("[?&]"+b+"(=([^&#]*)|&|#|$)"),c=d.exec(a);if(!c){return null}if(!c[2]){return""}return decodeURIComponent(c[2].replace(/\+/g," "))};TimesGDPR.common.checkIfPopShouldShow=function(){return !(TimesGDPR.common.getParameterByName("frmapp")==="yes"||TimesGDPR.common.getParameterByName("self")==="1")};TimesGDPR.common.consentModule=(function(){var j="https://timesofindia.indiatimes.com"; var t=j+"/cookie-policy";var J=j+"/privacy-policy/cookiepolicy/80245266.cms";var L="TOI";var D=function(P){var Q;if(P){Q='We use cookies and other tracking technologies to provide services while browsing the Website to show personalise content and targeted ads, analyse site traffic and understand where our audience is coming from in order to improve your browsing experience on our Website. By continuing to use our Website, you consent to the use of these cookies and accept our Privacy terms. If you wish to see more information about how we process your personal data, please read our Cookie Policy and Privacy Policy We use cookies and other tracking technologies to provide services in line with the preferences you reveal while browsing the Website to show personalize content and targeted ads, analyze site traffic..., and understand where our audience is coming from in order to improve your browsing experience on our Website. By continuing to browse this Website, you consent to the use of these cookies. If you wish to object such processing, please read the instructions described in our'; Q+=' Cookie Policy ';Q+=" /";Q+=' Privacy Policy';Q+='Read more';Q+=" Our Privacy Policy has been revised. Please review updated ';P+='Privacy Policy Here';P+='