While previous reports have focused solely on the ‘big’ issues like capital account convertibility, bank privatization, and priority sector norms, A Hundred Small Steps: Report of the Committee on Financial Sector Reforms goes deep into other areas where reforms are less controversial, but perhaps as important. The report argues that we need a change in mindset for the financial sector, one that recognizes that efficiency, innovation, and value for money are as important for the poor as they are for our new Indian multinationals, and these will come from improved governance, new entry and competition. Indeed the Committee believes that the road to making Mumbai an international financial centre runs through every village in India. The report is divided into separate self-contained chapters; the underlying theme behind all the proposals is the need to enhance inclusion, growth, and stability by allowing players more freedom, even while strengthening the financial and regulatory infrastructure. The role of the government is to create an enabling environment by building sound financial infrastructure. The Committee has focused primarily on broad principles and directions, without entering too much into details of implementation. It emphasizes three important reasons for financial sector reform: to include more Indians in the growth process; to foster growth itself; and to improve financial stability, flexibility, and resilience and thus protect the economy against the kind of turbulence that is affecting the world today. The Committee recognizes this is a difficult time to propose financial sector reforms in India. The near meltdown of the US financial sector seems to be proof that markets and competition do not work. This is clearly the wrong lesson to take from the debacle. The right lesson is that markets and institutions do succumb occasionally to excesses, which is why regulators have to be vigilant. The report argues for skilled regulators who encourage growth and innovation even while working harder to contain risks.

Armpit and X-Ray are living in Austin, Texas. It is three years since they left the confines of Camp Green Lake Detention Centre and Armpit is taking small steps to turn his life around. He is working for a landscape gardener because he is good at digging holes, he is going to school and he is enjoying his first proper romance, but is he going to be able to stay out of trouble when there is so much building up against him? In this exciting novel, Armpit is joined by many vibrant new characters, and is learning what it takes to stay on course, and that doing the right thing is never the wrong choice.

Ever felt lost in the hustle of daily life? Let's pause and take a breath. This book is your guide to embracing habits that make life richer, more enjoyable, and genuinely fulfilling. Through personal tales and relatable experiences, Rajesh Vairapandian walks you through each habit, offering insights and practices that help anchor them in your daily routine. But this isn’t just about reading—it's about doing. Every chapter ends with a hands-on activity, nudging you to experience the beauty of these habits firsthand. Dive in, and rediscover the magic that's been around you all along.

If you are looking for the right inspiration to help you stay focused on becoming healthy and living a vibrant life you need to read 100 small steps. This guide teaches you how to find why you need to be healthy and how to live that out by helping you create the tools we all need to have healthy habits.

This volume documents and explains the remarkable resilience of emerging market nations in East Asia and Latin America when faced with the global financial crisis in 2008-2009. Their quick bounceback from the crisis marked a radical departure from the past, such as when the 1982 debt shocks produced a decade-long recession in Latin America or when the Asian financial crisis dramatically slowed those economies in the late 1990s. Why? This volume suggests that these countries' resistance to the initial financial contagion is a tribute to financial-sector reforms undertaken over the past two decades. The rebound itself was a trade-led phenomenon, favoring the countries that had gone the farthest with macroeconomic restructuring and trade reform. Old labels used to describe "neoliberal versus developmentalist" strategies do not accurately capture the foundations of this recovery. These authors argue that policy learning and institutional reforms adopted in response to previous crises prompted policymakers to combine state and market approaches in effectively coping with the global financial crisis. The nations studied include Korea, China, India, Mexico, Argentina, and Brazil, accompanied by Latin American and Asian regional analyses that bring other emerging markets such as Chile and Peru into the picture. The substantial differences among the nations make their shared success even more remarkable and worthy of investigation. And although 2012 saw slowed growth in some emerging market nations, the authors argue this selective slowing suggests the need for deeper structural reforms in some countries, China and India in particular.

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