Sridhar's hawala-logic is understood easily by pessimists, and relectantly accepted by optimists -- in relation to their behavioural pattern on India's growth. Not only in India, everywhere where development phase is begging international standards, there are hawala dealers. Back in late 1960s, one company in Boston or New York (I don't remember, which place) sent me a letter to my address offering to pay Rs. 9.00 or so against official rate of exchange of Rs.7.50 (I guess, this was after devaluation from Rs.4.50 or so). The method was suggested that I could give them the dollars and they will arrange to send my parents the rupees. Guess where from? It is only a guess, but it is Bombay or Ahmedabad. Of course, I marked the papers to the attention of Indian Embassy in Washington D.C. to take whatever action on any illegality involved. They also replied saying that they knew these things but they could not take action at the foreign shores; and they advised patriots to desist falling prey to such matters. There it is, the hawala. It is not only during expected times of elections, that is for sure. It is happening in good times and bad times and sll times. The comparison to this economic offence is pinpricks in border clashes in military sense. So, I don't buy Congress-BJP huddle as it is made out in the hawala-logic, as I am not a pessimist nor an optimist either. Besides hawala, the other killing factor in economy is hoarding. Ordinary traders are doing the round to make their money. Everyone wants the cake and while trying to eat it wants to preserve it too. Growth engine is supposed to work for all only if ambition to grow is not converted to greediness at the cost of others.