The 'rise and fall are the “Andhrapreneurs” ' reminded me of my first account with a private sector bank. I had always felt uncomfortable with private sector banks. A couple of interactions with their representatives had left me uncomfortable, similar to my comfort level in 5 star hotels, that is, I don't belong there.

On an impulse, I walked into the branch of Global Trust Bank in Panaji. I needed a demat account and they were on the list given me by the share broker. I was very surprised. 

• It was clean and pleasant. 
• It was tech savvy.
• The person was genuinely helpful.
• I felt at ease.

My relationship with the bank increased. There was once some financial interaction my parents had to do. They visited the GTB branch in Chandigarh and were very impressed as well. They too opened an account there :) Had it been nearer, that would have become their primary branch.

Even after the bank was taken over by Oriental Bank, these branches continued nearly as before. I believe part of the reason must be that the working environment in these branches was much better than in one of the original Oriental Bank branches I visited. 

I miss the absence of GTB and wonder 

• what if election funding was far more transparent in India?
• what if we got rid of the 'First Past the Post' elections given the multiplicity of parties and interests they represent?

I am sure the fate of entities like GTB would have been very different and India would be a far richer and better country.

Universalise Holidays

Wouldn't it be nice if the human society agreed to a common set of holidays but each group can give the holiday its own name and celebrate it in its own traditional way? 

The  following holidays would seem to be great for our current lifestyle:

1. One holiday each month.

2. Major holiday every quarter.

3. Each holiday will be on the 5th day of the week - may be the last one of the month.

4. Each major holiday will have  4th and 5th days off.

We will have the same working days - 1 to 5 with 6 and 7 being the weekend. However, some societies may call the weekend Sat/Sun, Thu/Fri or Mon/Tue or whatever their heritage demands.

No worries about which group gets how many holidays. Peace descends on Earth :)

What is moral? How will the future judge us?

I found Flaubert's Salammbo on Gutenberg. It is an incredible book. How do we judge the behaviour and actions of the people in that time? Certainly not by applying the current morality to those times.

How moral is it that a person who has possession of a Van Gogh painting has assets worth millions while the painter got nothing. 

How moral is it that I can read ebooks only from the vendor from whom I bought the eBook reader?

How moral is it that our economic system is helping create monopolies like Amazon, Google, Facebook, Uber, etc. ? By their very nature, such services need a common platform. Shouldn't such services be distributed, co-operatives? 

I find it very difficult to believe that such services would not have been created or succeeded if the current economic system was not in place.

I wonder how the future generations will judge us.

The lockdown will have to continue. There is no choice anymore.

Thinking about the inevitability of the lockdown being extended, I vaguely remembered a line from Kafka's Investigations of a Dog - Dogdom went down a path, feeling that they could always turn back.

Searched on archive.org and the part I recalled :

I can understand the hesitation of my generation, indeed it is no longer mere hesitation; it is the thousandth forgetting of a dream dreamt a thousand times and forgotten a thousand times; and who can damn us merely for forgetting for the thousandth time? But I fancy I understand the hesitation of our forefathers too, we would probably have acted just as they did; indeed I could almost say: well for us that it was not we who had to take the guilt upon us, that instead we can hasten in almost guiltless silence toward death in a world darkened by others. When our first fathers strayed they had doubtless scarcely any notion that their aberration was to be an endless one, they could still literally see the crossroads, it seemed an easy matter to turn back whenever they pleased, and if they hesitated to turn back it was merely because they wanted to enjoy a dog's life for a little while longer; it was not yet a genuine dog's life, and already it seemed intoxicatingly beautiful to them, so what must it become in a little while, a very little while, and so they strayed farther. They did not know what we can now guess at, contemplating the course of history: that change begins in the soul before it appears in ordinary existence,

Exponential Growth and Lockdown

The lecture by Prof Albert Bartlett had made an immense impact on me. I vividly remember the discussion on running out of oil based on Hubert peak. While shale oil may have delayed the disaster and alternate sources of energy may prevent a collapse, but had we reduced our growth, we may have avoided the climate change issue!

The main lesson though is:

"The greatest shortcoming of the human race is our inability to understand the exponential function."

What worries me about the current strategy is the same as in this article from Israel. I am not even sure if they have the parameters for the models right, in which case the predictions over the weeks can be way off.

Worse, it may create the illusion of having avoided the catastrophe which was never going to happen!

Applying a blanket lockdown over all the country implies that the authorities have no information about the potential spreaders, which is clearly unreasonable while claiming that there is no evidence of community transmission!

I am surprised at how scared people seem to be of even the shadow of Coronavirus, No wonder, the workers in farms are scared of working in the fields!

Meanwhile, the normal, routine illnesses are untreated.

The new normal?

What are the possible exit conditions of the Coronavirus Lockdown loop?

Being locked in is not pleasant. There is also a little guilt of going out of the house, especially for walks, even if there is virtually no one around. Could we be increasing the duration of the lockdown by being careless? Uncertainty about the duration of the lockdown is stressful.

So, I thought that if I were writing a program for the lockdown, what are the conditions which would determine the exit condition for the lockdown loop for a particular region with no person entering or leaving the region:

1. There are no new cases emerging.
1. The virus stopped spreading for no known reason. This is the way The Plague by Albert Camus ends.
2. The virus has disappeared from the community thanks to the lockdown.
2. The community has developed a herd immunity.
1. If the lockdown is perfect, how can the community ever develop herd immunity?

If the region has not developed herd immunity and the borders of the region are opened, we will need to make sure that no infected or potentially infected person enters the community. Hence, testing and quarantine of each visitor will be mandatory.

If in spite of all efforts, an infected person enters the community, the lockdown will need to be imposed again.

What risks scare or terrify us?

Since I am also a believer that natural is not necessarily better, this article was nothing new. However, the point about how different people rate different risks made me wonder, what do I regard as risky?

The first was obvious, the highest perceived risk for Nuclear Power by most people, has very low risk for me. I would be happy to live next to a nuclear power plant as I expect that the quality of life around it will not deteriorate. The likelihood of an accident is negligible. Furthermore, and this is just a hope, that should there be an accident, it would be fast and furious :)

Then there is the risk of driving or even walking down the road. I do both but always wishing for a safer option. I would love to see auto-driven vehicles take over. I would love to see only electric carts within towns and no private vehicles. This is a hope that it will happen one day, though not likely in my lifetime.

Now the risk which terrifies me. Manipulating the human brain using technology. The only personal experiences of the damage people can do to each other are related to property disputes between brothers and sisters. The passion, viciousness and self-destructiveness defies logic. Hence, it makes it easy to extrapolate to events like riots and even genocide.

I can easily imagine bots learning to create and spreading ever more effective messages which will be spread using messengers like Whatsapp. The utility of messengers is so great that they will be around like cars and roads. I don't see how the messages can be stopped except, of course, by an even worse solution like 1984.

Postscript: Saw this about the spectacle of Chidambarm's arrest just after writing about my fears