The way forward .Make the Institutuions strong and accountable

 All Institutions are becoming weak and administrative efficiency has taken a very big hit. 

 RBI is getting weaker and weaker every day and losing its glamour in all respects. SEBI has no

control on capital markets and the corporates dictate terms without adhering to corporate

 Governance standards expected of them. IRDA has never shown its mettle and insurance area 

continues to be fraud frown area. There are mushroom growth of Insurance companies and

 whom they are accountable god alone knows. Public are taken for a ride and once an 

amount is remitted getting back is only a chance. Corporate Hospitals and Insurance

 Companies jointly loot the public their health and wealth. Those  who have got both

 money and power have some respect and are able to survive comfortably and   to some 

extent peacefully in the society but others have no choice but to carry on with all sorts of

 harassment, diservice and indifference meted out to them by any service providing Institution.

 There is no grievance mechanism is the ground reality and anybody can get away 

with all sorts of inefficiencies, frauds, or ill treatment. Things are worsening day by day and

 senior citizens are lucky in a way  that they do not have put up with the suffering for a long

 period compared to the next gneration and youngsters. Things are looking bleak is the feeling 

the  avearge common man gets. May God save the people.

Dr T V Gopalakrishnan