Some private sector employee is offering unsolicited remark. It is common knowledge private sector banks can if they choose employ ex-convicts as their collection agents at meagre pay of Rs.2000. They will work harder asMr.Anand Krishnan. It is unwarranted, insincere approach to a discusson which only discloses your personal sadism stemming out of an insecurity given to employess who are 40 plus in age. Try to mend your private sector bosses. But there you would not be allowed a discussion. Some times licking boots is the way out.