I want to thank the author of the article alongwith rediff.com for putting such an educating and relevant article for the commonmen in very simple language. Usually, we all discuss about the performance of government on the basis of its policies (administrative as well as monetary) and their success.But, seldom we know the key terms and their meaning while doing so. Now, those dicussions will have some meaning and the leaders will be taken care of on this credit policy.