There will always be some risky activity around the fringes of the system, and there is nothing particularly wrong with that. Those who seek high returns, and are prepared to accept the risk, should be allowed to do so. There is value in that occurring.
*  *  *  Deputy Governors, Dr. Subir Gokarn and Dr. K. C. Chakrabarty; distinguished statisticians and economists from the academia; Regional Director Chandigarh; heads of select departments; Shri A. B. Chakraborty, Officer-in-Charge Department of Statistics and Information Management (DSIM) and friends.