Thank U My friend P.G.Gangadharan. This article by our friend Sri DGK is so well written, that I publish it here anticipating your permission.

COURTESY: D G K
THIS ARTICLE IS WRITTEN BY MY COLLEAGUE AND UNSEEN FRIEND SRI D.G.K.

PUBLISHED IN MY BELOVED FRIEND
SRI P.G.GANGADHARAN'S BLOG
www.licpensionerscalicut.blogspot.com

ANTICIPATING THEIR KIND PERMISSION, THIS ARTICLE IS REPRODUCED HERE;