Mussaraf is talking sense but he need to go a little further. His proposal is nothing but partition of J&K according to religion. Yes, that partition should have happened in 1947 along with the exchange of population between India and Pakistan. India can accept the Mussaraf proposal, if Pakistan and Bangladesh would agree to an exchange of population. They can have all Muslims from India, and India can have all non-Muslims from Pakistan and Bangladesh. That will sove the problem once for all.