Saturday, June 13, 2026

 Always have the situation under control, even if losing. Never betray an inward sense of defeat.

 

 

Part 12

 

THE CHURNING OF THE OF OCEAN OF MY LIFE - MY OWN 

 

STORY PART 12 - GAME OF LADDERS AND SNAKES 

 

BEGINS IN RIGHT EARNEST- SNAKE II

                                     

 

THE CHURNING OF THE OCEAN OF MY LIFE – PART 12

 

BACK TO FAMILY PRESSURES – OUTSIDE INFLUENCES AND ENVY RULES THE ROOST - LIFE GOES IN THE SAME DIRECTION- BLAME FOR FAULTS OF OTHERS FALLS ON ME

 

                                       *************************************

 

I shall go back a little and turn my attention to the family affairs. As usual, my third brother's envy has been constantly haunting me, with one blame or another directed at me. My success in resolving the issue of our father’s pension and the publicity given to my resourcefulness in getting the impossible work done only added to his envy. 

My elder sister showed little interest in her studies. Her concentration was on making friends with both genders. On a Saturday, I was returning from the office. She was walking on the road very close to a boy. I stopped them and asked the boy to leave. I asked for details about him. She said he was a Christian boy who was in love with her, and she was discussing about attending his birthday party. I was very angry and told her that she had to complete her graduation before she thought about love and marriage. She said she was not interested in studies. The blame game started. I pampered her too much. I was solely responsible for her abrasive and wayward behaviour. I did not understand. I only showed her fatherly love as she lost her father at a very early age. It was true I pampered her and spent huge amounts of money to keep her happy and to see that she forgets the loss of a parent at a tender age. What was my fault. I suffered a lot at the hands of my elder brother and his family. I did not want a repeat of that.

True to speak, I was a bit sensitive to feminine feelings. In the process, I bought a chain, spending Rupees One Hundred those days to a girl. She was a friend of my sister. She showed it to her and told her I bought it. My sister told the news at home. I do not remember why. At that time, both my second and third brothers were at home. They started beating me. I ran away from home. My mother chided them for blaming me for that. She also chided me for going after girls. My brothers declared that I was responsible for all the ills at home. I asked them to take the whole family to their places. I had no objection. That silenced them. Later, I married a girl of my choice. Again, my third brother started an issue in front of my wife why I did not wait till my elder sister was married. I had my reasons for hurrying through the marriage in a Registrar’s Office. I asked him why he could not wait. He was silent. So, even before I left for Bellary, an informal decision was made that my sister should be married as early as possible.

 

It was not difficult. If we go back to the days when we stayed in Tenali an unexpected incident took place. Unable to face harassment by our landlord, we decided to search for a new place on lease. Through some sources. Someone told us that a portion of a house near Venkateswara Theatre was vacant. I accompanied my mother to see the place. We saw the place. The rent quoted was very high. Then, the landlady came to talk to my mother. An unexpected event took place. My mother and the landlady saw each other for few minutes. They did not say a word. After few minutes, they hugged each other and started crying. “You are so and so; you are so and so”. I was a mute spectator. Later it came out that they were best friends as children. Her husband was a Dy. Tahsildar in Tenali. He earned a lot, as it is usual with Revenue Department officials. He had six boys and two girls. The story did not stop there. After we came to Hyderabad, she saw my elder sister, it seems.  Immediately, she proposed a marriage between their fourth son and my sister.  My mother was elated. She never dreamed of sending my sister to such a rich family, and the bboy’s mother was her best friend. She immediately gave her consent.

 

Now, why did such rich family opt for a poor girl like my sister? My sister was very pretty; there is no doubt. But beauty does not provide money. The Tahsildar, (he became Tahsildar before retirement was, by nature a miser and the two objects of his love are his wife and money. We have his wife on our side but we do not have money. When the mother of the boy told her husband about the girl , he immediately objected. “They cannot give dowry”. Outside my son gets huge amount of dowry. After marriage, the brothers will not be able to provide him with gifts, as it is an obligation “. The boy’s mother insisted. He was caught between his love for his wife and his love for money.  His wife insisted. Then he accepted on one condition. The condition is that we should give the dowry, as demanded by him. The three elder brothers of mine took dowry of Rs.5000 to 5500. We were prepared to spend the same amount as dowry for my sister. It is not appropriate to talk of the personality, age and other aspects of the boy. After all, I married one of the prettiest girls. He was working in a rural railway station, as station master. He was not a graduate. After both the boy and girl saw each other and agreed to marry, the real picture came out.

My brothers were not satisfied with sending our sister to a rural place. But my sister was ready. She was in a hurry to marry. It is not her fault. Fault partly lies with me. If I were not married, she would have waited. She would not have waited for long, anyhow. She decided to discontinue studying. I came to our place for only one day. That was the day the formal meeting of the boy and girl was to take place. As I had no leave, I rushed back to Bellary. My brother was working in the Telecommunications Department. As it was free he remained in constant contact with me. My elder brothers should know why he was in contact with me and not with them. The reason was simple. I was committed to my family. My family members were attached to me. They knew I was the only person who could make things happen.

 

So, the negotiations started. My brother and my mother only negotiated with that gentleman. My brother was going to Guntur to meet the retired Revenue Department official. He demanded a heavy amount. And my brother informed me. I said it was not possible. My mother was pestering. After days of negotiations, his demand increased as my brother-in-law got selected as clerk in a Bank. After a lot of to and fro, I finally gave a go-ahead for Rs.8000/-, in cash as dowry besides some other demands. My younger brother was worried. I told him that he could contact the other brothers and each of us would contribute Rs.2000/- each. That would be Rs.10000/-. We had a fixed deposit of about Rs.4,500/- , the amount of arrears of the pension and PF of my father. I promised him that I would borrow more money if required.  (I was not having even the Rs.2000/-, as I was bankrupt by then. The mother of Venkateswara Rao lent me the money again. I do not remember if I repaid them or not).

 

So far, it went well. One morning, my brother called me and told that the gentleman is demanding a silver plate and a glass, which would have cost Rs.8000/- those days. The ball was back in square one. I did not blink or think. I told him to take one of the silver plates and one of the glasses to a gold shop and remodel it without investing much as extra cost. We were too young and my brother was , by nature not so courageous. I told him to approach our maternal uncle and take his help. With his help the old plate and glass were exchanged for new ones. An issue was solved.

 

Always have the situation under control, even if losing. Never betray an inward sense of defeat.

 

 

Part 12

 

THE CHURNING OF THE OF OCEAN OF MY LIFE - MY OWN 

 

STORY PART 12 - GAME OF LADDERS AND SNAKES 

 

BEGINS IN RIGHT EARNEST- SNAKE II

                                     

 

THE CHURNING OF THE OCEAN OF MY LIFE – PART 12

 

BACK TO FAMILY PRESSURES – OUTSIDE INFLUENCES AND ENVY RULES THE ROOST - LIFE GOES IN THE SAME DIRECTION- BLAME FOR FAULTS OF OTHERS FALLS ON ME

 

 

                                       *************************************

 

I shall go back a little and turn my attention to the family affairs. As usual, my third brother's envy has been constantly haunting me, with one blame or another directed at me. My success in resolving the issue of our father’s pension and the publicity given to my resourcefulness in getting the impossible work done only added to his envy. 

My elder sister showed little interest in her studies. Her concentration was on making friends with both genders. On a Saturday, I was returning from the office. She was walking on the road very close to a boy. I stopped them and asked the boy to leave. I asked for details about him. She said he was a Christian boy who was in love with her, and she was discussing about attending his birthday party. I was very angry and told her that she had to complete her graduation before she thought about love and marriage. She said she was not interested in studies. The blame game started. I pampered her too much. I was solely responsible for her abrasive and wayward behaviour. I did not understand. I only showed her fatherly love as she lost her father at a very early age. It was true I pampered her and spent huge amounts of money to keep her happy and to see that she forgets the loss of a parent at a tender age. What was my fault. I suffered a lot at the hands of my elder brother and his family. I did not want a repeat of that.

True to speak, I was a bit sensitive to feminine feelings. In the process, I bought a chain, spending Rupees One Hundred those days to a girl. She was a friend of my sister. She showed it to her and told her I bought it. My sister told the news at home. I do not remember why. At that time, both my second and third brothers were at home. They started beating me. I ran away from home. My mother chided them for blaming me for that. She also chided me for going after girls. My brothers declared that I was responsible for all the ills at home. I asked them to take the whole family to their places. I had no objection. That silenced them. Later, I married a girl of my choice. Again, my third brother started an issue in front of my wife why I did not wait till my elder sister was married. I had my reasons for hurrying through the marriage in a Registrar’s Office. I asked him why he could not wait. He was silent. So, even before I left for Bellary, an informal decision was made that my sister should be married as early as possible.

 

It was not difficult. If we go back to the days when we stayed in Tenali an unexpected incident took place. Unable to face harassment by our landlord, we decided to search for a new place on lease. Through some sources. Someone told us that a portion of a house near Venkateswara Theatre was vacant. I accompanied my mother to see the place. We saw the place. The rent quoted was very high. Then, the landlady came to talk to my mother. An unexpected event took place. My mother and the landlady saw each other for few minutes. They did not say a word. After few minutes, they hugged each other and started crying. “You are so and so; you are so and so”. I was a mute spectator. Later it came out that they were best friends as children. Her husband was a Dy. Tahsildar in Tenali. He earned a lot, as it is usual with Revenue Department officials. He had six boys and two girls. The story did not stop there. After we came to Hyderabad, she saw my elder sister, it seems.  Immediately, she proposed a marriage between their fourth son and my sister.  My mother was elated. She never dreamed of sending my sister to such a rich family, and the boy’s mother was her best friend. She immediately gave her consent.

 

Now, why did such rich family opt for a poor girl like my sister? My sister was very pretty; there is no doubt. But beauty does not provide money. The Tahsildar, (he became Tahsildar before retirement was, by nature a miser and the two objects of his love are his wife and money. We have his wife on our side but we do not have money. When the mother of the boy told her husband about the girl , he immediately objected. “They cannot give dowry”. Outside my son gets huge amount of dowry. After marriage, the brothers will not be able to provide him with gifts, as it is an obligation “. The boy’s mother insisted. He was caught between his love for his wife and his love for money.  His wife insisted. Then he accepted on one condition. The condition is that we should give the dowry, as demanded by him. The three elder brothers of mine took dowry of Rs.5000 to 5500. We were prepared to spend the same amount as dowry for my sister. It is not appropriate to talk of the personality, age and other aspects of the boy. After all, I married one of the prettiest girls. He was working in a rural railway station, as station master. He was not a graduate. After both the boy and girl saw each other and agreed to marry, the real picture came out.

 

My brothers were not satisfied with sending our sister to a rural place. But my sister was ready. She was in a hurry to marry. It is not her fault. Fault partly lies with me. If I were not married, she would have waited. She would not have waited for long, anyhow. She decided to discontinue studying. I came to our place for only one day. That was the day the formal meeting of the boy and girl was to take place. As I had no leave, I rushed back to Bellary. My brother was working in the Telecommunications Department. As it was free he remained in constant contact with me. My elder brothers should know why he was in contact with me and not with them. The reason was simple. I was committed to my family. My family members were attached to me. They knew I was the only person who could make things happen.

 

So, the negotiations started. My brother and my mother only negotiated with that gentleman. My brother was going to Guntur to meet the retired Revenue Department official. He demanded a heavy amount. And my brother informed me. I said it was not possible. My mother was pestering. After days of negotiations, his demand increased as my brother-in-law got selected as clerk in a Bank. After a lot of to and fro, I finally gave a go-ahead for Rs.8000/-, in cash as dowry besides some other demands. My younger brother was worried. I told him that he could contact the other brothers and each of us would contribute Rs.2000/- each. That would be Rs.10000/-. We had a fixed deposit of about Rs.4,500/- , the amount of arrears of the pension and PF of my father. I promised him that I would borrow more money if required.  (I was not having even the Rs.2000/-, as I was bankrupt by then. The mother of Venkateswara Rao lent me the money again. I do not remember if I repaid them or not).

 

So far, it went well. One morning, my brother called me and told that the gentleman is demanding a silver plate and a glass, which would have cost Rs.8000/- those days. The ball was back in square one. I did not blink or think. I told him to take one of the silver plates and one of the glasses to a gold shop and remodel it without investing much as extra cost. We were too young and my brother was , by nature not so courageous. I told him to approach our maternal uncle and take his help. With his help the old plate and glass were exchanged for new ones. An issue was solved.

 

Again, my brother called. The gentleman is demanding marriage in Guntur. It would have cost our lives to perform a marriage in a hall in Guntur. Then my second sister-in-law came to our rescue. Her sister was owning a palace-like building in Guntur. There was an outhouse too. She magnanimously offered her palace to us and said she would sdjust in the outhouse. It was a great relief. There was a large terrace. There was enough open space in front of the house. My brother , mother and sisters went there early and made all required purchases and other arrangements. I reached only one day earlier. We performed the marriage in a way the Tahsildar was very impressed. I was not allowed to be the near the marriage Mandap.  The Tahsildar made me sit with him and went on relaying how he earned so much money, how he loved his wife, how she stood by him in summer and winter of life, about his children and what not. He praised me and my younger brother in the most loving words. He said that being children we could not perform the marriage so graciously. After marriage , time came for lunch. We invited them for lunch. I feel proud for me and my brother that the Tahsildar insisted that both of us should eat first. He said they were not our guests but both of us were their guests. At that age, getting accolades from a man of our father’s age (if he were living) was like honoring us with gold chariot. After my sister went to their house, he wrote me a very affectionate letter praising me the way I brought up my sister.

 

I had to write all this because a month back, in a family What App group, our brother-in-law boasted that his father did not insist on dowry those days and applauding his courtesy.

 

A doubt may be raised as to why such purely personal and family matters should find a place in a story of my travels and travails in life. There is a reason. It shows how people us when needed and throw us away like garbage once they settle into their lives. Until my sister got married, I looked after her as the most important part of my body, the eyes. Even after her marriage I was constantly looking after her needs and I was in constant contact with her. 

During my absence, my younger brother took the responsibility of her needs. I quote a few incidents that showed their character and my commitment to their welfare.

 

During 1979, my sister conceived for the first child. I was in Davangere. My wife was too carrying our second child. After my brother brought my sister home for delivery, I sent my wife for assistance. The delivery had gone bad and she gave birth to a deaf and dumb child. My wife breast-fed her to see she remains healthy.

 

When I was in Davangere only, I purchased a gas connection for them. It was easy there as I was in a Bank and demand there was less. In Hyderabad, it was taking three to four years to get connection. The minimum period for the new connection to be transferred to a new place was six months. During those six months , I was constantly being pressurized to send my connection papers to them. I found it funny. Why should I send my gas connection papers and keep connection in their name and suffer life-long. Even today, both of them blame me that I misused their money. Just imagine how I feel in such circumstances. I ket quiet because I knew the truth. As long as I was away, she was not visiting my brother as he was not in the habit of doling out money. After I returned back in 1982, she made it a habit to visit us saying she wanted to see her mother. And every fortnight, she was demanding and taking Rupees Hundred for travel by auto.

 

During the period 1982-85 ( I can not recollect the exact year), my brother-in-law got a transfer to Hyderabad, citing the disability of his daughter as a reason. It was most shameful to resort to such tactics. And he continued in Hyderabad throughout his career with the same plea. That is their character. I am in no way concerned. But when he got transferred to Hyderabad, he asked his father to let out a portion of the house he owned. His father quoted a rental value. Our brother-in-law said that with his salary, he could not pay such a high rent. His father asked him to search for another accommodation. What did he do ? He brought his family of two elders and two children to our house. I was having three children by then. He stayed for two full months without paying a single rupee towards expenses. Very recently, one of my children said that I was feeding my sister’s children with whole milk and when their turn came I was asking my wife to add water. With one income, I managed two families. They forgot.

 

In 1995, when I lost my job without a penny (and being most dishonest) , I had to beg for alms. My younger brother and sister helped with little amounts, very less compared to what I contributed to see them settle in life. Those days my elder brother-in-law was regularly calling me to show his nnewly painted house, unconcerned about my plight. One day, I went. I did not enter their Bungalow. My sister who was sitting there said “Sorry! Chandra! We want to help you   ! But we are totally bankrupt>” , If I said the same words when they came to my house as they had no shelter, where would have they gone? All in the game!!!

 

From then on, the family moved away from me and started amusing the rich brothers. It is okay. These brothers who never bothered about their empty stomachs after my daughter’s death started gifting them liberally. It is okay. It is not my botheration.

 

During 2008-09 , my mother pleaded with my wife that she would stay with us only and die in our hands. I mentioned this in some other part. During her stay with us my daughter requested my mother to stay with them a week. She went. After four days, my mother called me and said she could not stay there and asked me to bring her back. What she told amaged me. During these four days, they did not buy vegetables. They did not make dal. She was fed pickles and buttermilk. Moreover, every day my brother-in-law was asking her for dowry dues. His grouse was that he was not given enough dowry at the time of marriage and as my brothers were all settled well, not me, he should be paid the balance with interest which ran into lakhs. Both my sister and her husband were fighting with her. She could not bear the torture.

 

My mother was attacked by paralysis , lost her right limbs and voice and the neurologist who treated her gave her a life of six months at the most. During this period, our brothers and sisters visited her rarely and none of them touched her with their fingers even. One afternoon, she reached her Heavenly Abode. I called everyone except my third brother, who went on a pleasure trip to China without informing us and without even seeing our mother’s condition. My eldest brother asked me to burn her body. He said, “What difference does it make that the younger son lights her pyre? You go ahead”. My second brother refused to come by flight, saying he is not a millionaire. The third one was beyond the oceans. So, the probability of the three elder sons of my mother for at least two days was remote.

 

 

As I was living in an apartment complex, there was constant pressure and nagging from the other apartments to take the body to the crematorium. I had no option. There is a reason why the others pressured me. Some ladies have a fear of dead bodies. If a dead body is kept in one of the flats, there is a possibility of these ladies turning mentally unstable. The other reason is that when a dead body is kept in the flats, occupants of other flats do not cook their food until the body is taken away. Already, I have spent more than a lakh and a half of my son’s money on the recuperation attempt of my sick mother. I was left with barely enough funds to cremate her as per Hindu rituals. So, the idea of keeping her body in a mortuary did not arise. The younger brother, two younger sisters, and their families came. The priest has been performing all rituals at our home for a long period. So, we decided to take the body to the crematorium.  

 

Then, my first brother-in-law, who, a month back, fought with my mother demanding additional dowry with interest, objected. This was what he said. “I will not allow my mother-in-law, who lived like a queen, to be cremated like an orphan.” I asked him, “Then why did you not take her to your house when she was sick?  Even now, why don’t you shift her to your house, to my younger brother’s house or to my younger sister’s house? He said, as per the Hindu Shastras we should not shift the body from the place of death. I knew that none of them would be willing to keep the dead body of own mother in his/her house. Then I said the cremation process will proceed. I asked the priest if it is true that in case of mother’s passing away, the youngest of her children should perform all the funeral rites.  He clarified that the eldest of those present has a right as per Brahminical traditions and so, I should cremate her. My elder brother-in-law said he would not lift the body. My younger brother-in-law parroted his words. I understood they were living in fools’ hell. I called our building watchman and told him to call four of his friends to lift the body of my mother. My elder brother-in-law said people of other castes are not permitted to lift the cadaver of a Brahmin. I asked the priest what his opinion was. He clarified that if no one from Brahmin caste is available, anyone can lift the body and he had no objection from outsiders lifting the body. Then, my brothers-in-law realized their writ would not run with me. They accepted to lift the body. I performed the funeral rites and cremated my mother’s body. That way, I fulfilled her long-term wish that she would die in my hands. Her Soul must have been satisfied that the son who took over responsibility of the family after her husband’s death lighted her funeral pyre. And the satisfaction I received from the sacred act will remain with me till my mortal remains are consumed by the five elements.

 

 

The above narrative looks extraneous to the story of my life. As I said earlier, certain repeated allegations about our actions, if not answered, remain as truth. I replied to every point raised by my envious third brother in the following post.

 

Sudhakara Rao Neelamraju

May 18 ·

It is true that I did not come to Hyderabad asI was in Shaghai.Atleast whether you waited till your elders to come.Do you remember that the utterences you made in front of the public and Purohit. You already killed when she was alive. What makes you to burn the pyre when the younger brother was thre. Are you proud of the actions. "You don't havr thr patience to wait till the elder sister of your wife to get marry."You ruinrd her life also..For all five brothers and sisters there is only one mother. We can can not cut in to her pieces. It it is her wish to stay back with you for reasons well knowno you. (Verbatim. No corrections made. sic.)

 

 

This was written by a man who worked as a bank manager . You can judge him by the number of mistakes in his post, either grammatical or spelling. He failed to come and see his dying mother before leaving to China. He felt ashamed of himself. Then he asked me why I did not keep the body till the elders came. In another post, he charged me with murdering my mother. Here, he is indirectly saying, I disposed of the body to hide my crime. I answered his doubt, though he never answered why he left the country, knowing fully well his mother was on bed. Regarding what I said and why said anything with my priest , I explained in detail the background. Regarding my lighting the pyre when the younger brother was there , I already said it was done as per the directions of our priest. Regarding my marriage before her elder sister was married, it is none of his business but I already clarified the circumstances. One day he has to answer to his allegation how I spoiled anybody’s life. To hide his lies , inferiority complex and envy that had been eating his brain, he goes on talking nonsense. May God give him some sense. In the same manner, out of jealousy towards his son’s in-laws, he distanced his son for four years. Finally when the boy got a deputation to US, and the passport was with his father , he came home. And this idiotic person said he hid the passport of his son because he knows one day his son requires. His character is so amoral, shameless and moronic. Except that he is two year older than me, he deserves to be dumped as underving to be a member of the family of my parents.

 

 

Thursday, June 11, 2026

 The daily survival for two and half years, in the 11th part.

 

WHEN THE GOING GETS TOUGH, THE TOUGH GET GOING.

I AM GOING ON WITH FULL FORCE EVEN NOW



 

 

 

 

THE CHURNING OF THE OF OCEAN OF LIFE - MY OWN STORY PART 11 - GAME OF https://library.iterable.com/3110/20487/e1906b9337a645468b9c46ba71f1ee5e-ipm2_india.jpgLADDERS AND SNAKES BEGINS IN RIGHT EARNEST- SNAKE II

                                                      #########################https://library.iterable.com/3110/20487/e1906b9337a645468b9c46ba71f1ee5e-ipm2_india.jpg

“A man can be destroyed but not defeated.”

 

ERNEST HEMINGWAY,

 

THE CHURNING OF THE OCEAN OF MY LIFE  PART 11

 

PROLOGUE to 11th part.

 

A BRIEF PEEP INTO THE FUTURE EVENTS BEFORE I GO INTO THE STORY AGAIN

 

I saw a news item in a local newspaper, when I was in the process of writing my memoirs that Senior officers of ten or more banks held a silent protest against non-repayment of about Rs.1000 crores, by M/S Progressive Constructions Private Limited, owned by ex-Congress Minister KS Rao. My tussle with top management of our Bank started with this account only. I refused to recommend renewal of credit limits of this account. I quoted at least ten defaults in the account and recommended, "If the higher authorities feel, they can renew the limits. Personally, I feel the limits must be suspended" Soon, I got a call from Chairman's Secretariat but I did not budge." My Manager suggested that I go on leave and he got it recommended by the next officer. That was the start of my end. My career ended but today, I am a happy man that officers of ten banks are on streets unable to recover the amounts. My premonition proved right. And from then on, I had a running feud with the Company Officials and a direct threat was issued by one Sri BK Rao, brain behind Sri KS Rao, that he would see how I would continue in the Bank. And I did not. More on this in the coming parts. I told him that I was already out of the Bank the day I entered it and I told him what more he could do, hang me? I am ready” Message reached the Regional Manager and through him to the highest authority. I was threatened I did not budge. More about my tussle with politician their deeds and misdeeds will come in the following chapters.

 

 

                                                        #######################

 

This is part 11 of my own story. I already explained why I preferred to write my own story. I am not that great. But there is something that tells you a story in my life, the story of great success and great failure, all at a time. Those who see this first time may refer to the earlier parts.

Life is a mix of ups and downs for many. I am not an exception. But my psychology did not fit in   the world and its ways. Still, I continue in the same mindset.  Hence, my rosy life still has many thorns, unseen by many. Hopefully, I will live like this and leave the world like this, unsung.

 

Let me go back to life in Corporation Bank, where I started a stuttering new career. I just turned twenty-five. I had earned the experience of a lifetime by then. The sudden demise of my father, the shunning of responsibility of family by my three elder brothers, my sisters and mother depending on me, my wife who was carrying by then, forced change of job and the snakes ready to bite at every opportune moment in the new job, all made me tougher by the day. I heard about the Bank’s working style, the antipathy of executives and staff towards outsiders and many bad things after I resigned from LIC. All was lost by that time. The outsiders were treated as aliens and eased out on one pretext or the other." And I had another heavy burden on my head that I was a candidate selected out of the way on the recommendation of an outsider, that too from Andhra Pradesh. But "Buddhi Karmanusarena". My decision was made. And at that time, I was not fearing anybody. But fate had it otherwise. 

After the training in Mangalore I was posted to Bellary, considered as punishment posting, in the Bank. In the Bank this belt, Bellary, Anantapur, Chitradurga etc., were hot beds of Trade Unionism where Officers were sweating it out to get the routine work done, leave alone, development of branch deposits and advances that formed the core of a Branch profile. Managers in these Branches were always on their toes, fighting it out with the Union leaders. I reported for duty in Bellary under Mr. U. Vikramaditya Nayak, considered in the Bank as one of the most dynamic Managers. Reception was contemptuous, as expected. I was asked to learn basics sitting in clerical counters. It took me hardly a week. The Manager, initially, was very hostile. He was continuously complaining to the Regional Manager that he asked for a regular officer and not one who had to be trained in basics. His grouse was understandable. He was short of officers, who could look after the Branch work, in his absence. I understood the dynamics very quickly. Managers were unwilling to stay in the Branch and face the staff. They used to go out in the early hours, for the sake of deposit mobilization and come back only after the staff left. But as I was only a trainee, it was not possible to hand over the keys of the cash chest to me. The Manager had little confidence in the other officer, Mr.Raghupathi, a very senior officer stagnated in his scale for several years. 

 

 

 

 

After about a fortnight of my joining, the then Regional Manager, Mr.Aiyar paid a visit to the Branch. His first target was me. He called me inside and asked the same question that Mr. Subbarao asked me in the Training College in the Head Office. "With whose recommendation did you get the job?" I gave the same reply, "God's recommendation". He was furious and started dancing like a hurt tiger. My manager was trying to explain that I was very sharp and picked up work very fast. No! He said he would see me out of the bank soon. He resigned within a month from then as he was facing serious corruption charges. His place was filled by another hostile Regional Manager, Sri K.R. Mallya, with whom I had a running feud for almost four years. Finally, he, a General Manager, haunted me throughout and spied on every transaction I carried out and booked me for small indiscretions, branded me dishonest and punished me with capital punishment. Many in the Bank know the truth, though my own brothers, sisters and their spouses never agreed to accept it. Here, I should mention my elder brother-in-law, who enjoys the illegitimate earnings of his father and talks about honesty. Hypocrisy at its peak defines his personality.

The less I mention of my third brother the less it will be disgusting. He earned his job with the recommendation of his friend, never showed any brilliance as a clerk or officer and he was fighting pitched oral battles with all colleagues and customers (as told by his colleagues), worked as a rural bank Manager and failed in his duty, took his own time to get promoted to his next scale. He tries to talk about events that never happened and goes on parroting “I was dismissed as the most dishonest officer”, a hearsay that spread like wildfire, because I never discussed about my Bank career with anyone. Even my wife, who lived with me every second of my life since I joined the bank, might be surprised to know the facts from this memoir of mine.

                                                                                        

 

Three to four months on, my manager developed a special affection for me. He was awe- struck. He told anyone who visited the Branch that in his service, he never witnessed a sharper brain. I almost became the second man in the Branch within four months, having effective control on the whole staff including my Senior Officer, who never grudged my taking over the Branch. He was thanking me for helping him out of tricky issues. We were a team along with few youngsters who joined as clerks.   I started controlling the whole branch operations effectively by then. He started handing over the keys of Cash-Chest to me. But, one guy from North Canara District, Monja Ganiga, an attendant promoted as a clerk, was the most unhappy of all. Thitherto, he was the most trusted assistant of the Manager, carrying canards from here to there and back, thus keeping the gulf between the Manager and staff. He was so close to the Manager that he paid a visit to his house at least once a day, "carrying news". This was, is and will be a bad habit with many senior officers. As I slowly took over, I rubbished his claims. I was ensuring that the Manager spent more time with the staff. This, naturally, incensed Ganiga. But he was helpless. Though a trainee, I was the most loved one in the Branch. I was having a very good time climbing the ladder. But a snake bit me in the form of the Regional Manager.

 

Around October 1978, eight months after joining the Branch, our manager showed me a confidential letter from RM. Usually, these letters were addressed personally to the Manager and were not shared with anyone. But by that time, our Manager had developed so much affection for me (he could improve the business by 250% since he had a good officer to look after branch work), that he shared the contents with me. The gist was that one Mr. Prabhakar Sheth, (related to the RM closely, it was said) , working in Mandipet, Davangere was facing a lot of problems with the union leaders there and requested a transfer. The RM proposed to post him to Bellary and post me in his place. Naturally, our manager was furious. He showed me his reply, saying that he could not spare my services. There was continuous correspondence and phone conversations between the two. Finally, our manager had to consent to relieve me only after the year-end, 31st December. Orders came. Sheth, who was waiting in the wings, joined immediately. My relieving was set for the Second of January, 1979. Seeing my personality, the heavy-weight body builder Mr.Sheth commented, "There are lots of snakes in Davangere. I applied for two months' leave unable to bear the torture. I suffered from depression and loose motions. I was afraid to go to the Branch to get relieved also. I think you may not survive there for even fifteen days. He courteously advised me to search for another job and resign from the Bank. Being a relation of the Regional Manager, he confessed to me that the RM intentionally posted me there so that I resign on my own and he need not take blame of dismissing me for non-performance. There are two powerful forces in Davangere, by names Mr. Shivayogappa and Mr.Maheswarappa. The first was a Lingayat and the second one a Vokkaliga, the two most powerful and inimical communities in Karnataka. They will suck your blood no sooner you join there." I just smiled away. Even my Manager told me, while relieving me, that he was feeling like his son was being sent to the war front. He called my wife and me for lunch, the first in his service that he called any staff member to his house for iunch, his wife told us. Ganiga was happy, he could get back to his old ways.

 

So, on 2nd January 1979, I set out to Davangere with my wife, a six- month- old girl child, a mat, two pillows, bed sheets, a kerosene stove, a few utensils all packed and carried on top of the bus. I was not owning a chair or even a transistor radio at that time. I set foot in Mandipet, Davangere Branch. The same evening, I was relieved to report in the other branch in the town, PB Road, Davangere Branch, as there were no officers there, and the Manager of Mandipet Branch, anyhow, did not want a trainee officer. His name was M.S.Adiga, one of the most controversial officers in the Bank. He too was compulsorily retired from the Bank on serious charges of corruption. You can imagine the ways of management, one rule to locals and another for outsiders.

 

The next morning, I reported to the PB Road Branch. This Branch was a hotbed of Union Politics. In this Branch, the National Secretary of the Union, Mr. Joshi was a senior clerk. A soft-spoken but hard nut, this man read the rule book from the first letter to the last one and the last to the first. It was becoming difficult for Managers and officers to argue with him. He was not a bad man. I observed this within a week. He was branded bad by managers and officers who were ineffective in tackling him. As a matter of routine, I was introduced to the staff by the Manager. The Branch had a peculiar situation. Besides the manager, there was no other officer in the Branch. In such circumstances, the most senior clerk officiated as officer and performed daily routine work. He also holds the keys to the Cash Chest.  After I was deputed to the P.B. Road, Davangere Branch, a dispute arose between the clerical union led by Joshi and supported by strong unionists and the manager if I could replace him as a regular officer, since I was only a trainee, not considered a regular officer. The clerk officiating in the place of an officer received a special allowance called the “officiating allowance,” with no responsibilities attached to the officer's post. The manager, Mr. C.K. Kamath, a very Senior officer, worked in the Administration wing in the Head Office. I told both the manager and Mr. Joshi that I handled the Cash Chest in Bellary for nine months. Somehow, after some discussion, we decided there was no need for the clerk to handle the keys. That settled the issue.

Our manager was Mr. C.K. Kamath. His weakness was that his entire service was in the Head Office. His knowledge of the Branch operations was very poor. The second officer in line was on long leave, so effectively I was second in line. He was not happy. A trainee and a manager were all, that were available to run branch operations. I made friends with Joshi first and sought his guidance on the Branch operations there. He was helping me my work. This surprised the Manager. Other clerks followed Joshi. Within a fortnight, I started clearing the pending work in the branch. Mr. Joshi and other clerks completed their daily routine and sat after banking hours to help me to clear the pending work. The message spread fast and reached to Mandipet. Shivayogappa, who was on leave the day I joined, came particularly to see me. He wanted to see how I looked and what was so special in me that made Mr. Joshi, one of my best guides. He was poor in speaking English and my knowledge of Kannada was good. But it was not fluent. Soon after I was introduced to him, I folded both hands and said "Namaskara". His reaction was surprising. "Did nobody tell you who I am?" he asked. I said I heard a lot about him. But I heard lot about Mr. Joshi also. He made a funny comment. “Any officer who knows about him would have avoided him but instead I greeted him with folded hands. It seems I was exorcizing him. I replied that he might be a clerk and I might be an officer, but there was a wide gap in our ages.  “What is wrong in a young man greeting an elderly and respected clerk with folded hands?” I asked.  He said I was too clever. It would not help me in Mandipet branch. I knew I was in a tiger’s den.  Mr. Joshi diverted the subject. That was my first encounter with a man who was branded as a demon in the region, but who became my best friend in three years. I knew that minute that the act which I thought of worked well with Shivayogappa. He was not a highly educated man but was very fast in the performance of his duties. As it was with the local landlord boys, he was haughty. I made a plan for him that day itself. He was a paper tiger whom the officers made a man-eating tiger. I understood he suffers from the weakness that many of us suffer from, namely, personal ego. It it is satisfied, I could tackle him, I decided. But there were other related issues. I thought I would think about them when I am faced with them.

 

 

During my deputation period, I cleared the pending work in the Branch. The Manager was so impressed with my capacity at work and my management skills. He refused to relieve me after my deputation period.  There was a tussle between him, the other manager and the Regional Manager. The Regional Manager got wind of my capacity and thought that if I continued in that Branch, I would be a tough nut to crack. So, the RM forced the manager to relieve me forthwith. Of the two branches in Davangere, Mandipet Branch was tougher to manage. In the P.B. Road Branch, Joshi was the authority and Regional Manager himself was hesitant to oppose him. He understood that Joshi appreciated me. (Irony was that the Manager was later reverted and posted to the Branch and was taking instructions from me, as I was de facto number two there. He was almost fifty-five years old ). A week before, the manager called me into his cabin after office hours and requested me to teach the branch work. He wanted to know how I could manage one of the most unruly staff so effectively at such a young age. I gave him some tips about branch work and management tactics. Surprisingly, he requested me to guide him to tackle any issue in future. He said he would call me in case of any problem and that I should take some time off to go to his branch to settle the issue. In the next six months thereafter, I went at least half a dozen times to solve issues concerning his customers  and staff.

Back in my parent branch, I was greeted with enthusiasm this time around. The manager was skeptic, though. He already earned a very bad reputation as ineffective and corrupt to the core. Most of the time, he was sleeping in his quarters.  The Branch was being managed by one Mr. Ramnath Nayak, who was the blue-eyed boy of the Regional Manager.  He was very efficient, though cranky. My role was limited to playing second fiddle to this Senior Officer. He guided me in the Branch profile and, soon I learned the intricacies of the branch.  I studied each officer and clerk and listed their weaknesses and strengths in my own mind.  As Nayak’s promotion and transfer were in the offing soon, he slowly delegated the work to me. Soon, he left on a promotion. 

Trade Unionism in the Banking and Insurance sectors could not be called "militant", but the very nature of operations made it a pain in the neck for officers on the job. Both sectors were directly dealing with customers, who expected better service . In the Banking sector, it was more so, as the customer is to be served within a time frame, say from 10.30 AM to 2.30 PM and the day's account had to be tallied and closed by 5.30 PM. It was all manual. There was no permission to use even a pocket calculator. Only in the middle parts of the eighties we were permitted to use calculators. But these too were supplied to only the bigger branches. 

To add to the pain, there were two strong unions in these parts of Karnataka. One was the NOBW, affiliated to the BMS, the minority union and the majority union, Communist-leaning AIBEA. There was a constant tussle between these two unions, thus making the lives of officers miserable. Working hours used to stretch to midnight some days. In Mandipet, there were two AIBEA stalwarts Shivayogappa and Maheswarappa, each controlling his own group and at loggerheads all the time, sometimes, it used to deteriorate to a physical brawl. NOBW was represented by Ramesh Prabhu, who was equally vociferous like the other two. Whenever a new recruit joined, the tussle used to multiply in order to enrol him in the respective unions. I observed officers were indirectly promoting the interests of one group or the other in a "divide and rule" policy. This boomeranged usually. Unless the leader takes all with him, the going will be tough for all.

Thus, life at Davangere left an indelible mark on my life. My family life suffered. My prolonged working hours troubled my wife, who was struggling with two children and carrying again. It went to such an extent that she was picking quarrels with the manager's wife, in broken Kannada. Once, she told her that she needed family life and "leave my husband to me and to my children
“. It was amusing, though I took it lightly.  Even now, it looks funny to me. (Me and my Manager used to stay in the same building, attached to the Bank).


It is boring to read minute details of one's family and working life. But in each step, I faced challenges. If I look back, I feel that all my decisions were wrong, prima facie, but a deep introspection convinces me that I was right at every step, uncompromising and stubborn. Or, would I have been in a position to recollect each incident and write this? I kept my mind clean and my brain sharp.  That was and is my singular achievement. As I go further, you will understand.

 



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Tuesday, June 9, 2026

 THE CHURNING OF THE OCEAN OF MY LIFE – CHAPTER 10

 

THE HONEST – THE DISHONEST AND HOW THE SYSTEM WAS TAILOR-MADE TO PUNISH  

                                 THE HONEST AND HONOR THE DISHONEST .

 

MANY ARE THE FABLES WHERE THE INNOCENT SUFFERED AT THE HANDS OF THE

               CRUELTY OF CASTE, REGION, RELGION AND CROOKED POLITICS.

 

                                                                       

 

Institutions must be run like Rama ruled Ayodhya. They should not be run by the ten-headed Ravaana.

 

UNFORTUNATELY OUR BANK WAS RUN BY RAVANA AND HIS ILK.

 

 

THE CHURNING OF THE OF OCEAN OF LIFE - MY OWN STORY - GAME OF LADDERS AND SNAKES BEGINS IN RIGHT EARNEST








I wrote the Ninth Part in this series in July. That ended with my Goddess, Vani, entering my life. After a long gap, on the 39th Marriage Day, I again wanted to restart the story.

 

Even before our traditional marriage, my wife was again absorbed as a temporary stenographer in the DEO’s Office, Machilipatnam. It too was purely temporary. I once visited the office at 5 PM, hoping my wife would have come out of her office. It was 6 PM, 7 PM, 8 PM, 9 PM and 9.30 PM, there was no trace of her. I lost patience. I approached the Superintendent and asked him why a lady employee was being held up after office hours and whether the office was paying any overtime allowance. He claimed ignorance. I told him I wanted to meet her. He took me to the DEO’s Chamber. He did not have the courtesy to return my wishes, too. I asked him to permit me to see my wife. He refused. I took the attendant's help and went into a room, where the lighting was dim; there was no fan, and Machilipatnam, being a seaside town, was sweating profusely. I asked my wife to accompany me with a paper and pen. I asked her to sit in front of the DEO and submit her resignation letter. "I will not accept", he roared. "Throw it in the dust bin", I roared back. Employees started peeping into the room. He said he would call the police. I told him to do so and said I would see him behind bars for detaining a lady employee against her wishes beyond 5 PM. He was taken aback. He took the resignation letter. I told him, "This job is like a nose that falls when you sneeze. The payment you give is paltry, and we are cleverer than you think. And, mark my words, I will see she joins a permanent job before you take another breath" All this, I said in the loudest tone possible. His BP increased, and he started stuttering.

 

 

For the first time, my wife (we were already married in the Registrar’s Office) witnessed another facet of my courage or arrogance, whatever it was.    She was all appreciation on one side. She was shaking with fear. I cooled her down, saying that it was how it worked with the rotten system. There was no other way. We went to Vijayawada the same day. She got her balance payment by cheque. Her resignation was neither accepted nor rejected, as it was a temporary posting and there were no rules or regulations.

 

 

Temperamentally, my wife and I stood oceans apart.  She is too cool to the point of turning submissive. I was too aggressive, never compromising on what I believed, come what may. This “come what may” really came in the future. That did not alter my nature. I fought and had been fighting still. She was cool. She continues to be cool. That made our combination successful in the face of utmost adversity.

 

"The world needs anger and temperament. The world continues to be evil as it is not angry enough," I believed in this saying by Bede Jarrett.

 

"I have reached a point in life where I feel it is no longer necessary to try & impress anyone. If they like me the way I am, good, & if they don’t, it’s their loss," she believes in this unknown saying.

 

 

 

 

Thank you! Every person, who has ever told me, I can’t. You are just another reason I will. And I have done it. Of course, her help was immense.

 

One step forward – Two steps backward . The real churning starts.

 

In 1973, when I joined LIC of India, there was a total ban on promotions for a decade. So, clerks were remaining clerks. This led to frustration among at least five to ten guys who joined LIC with me and were confident in their abilities and felt they deserved more in life. The first to leave was one Mr.Jawahar, who joined IOB. Then my close friend, Mr.Emani Krishna Murthy, grandson of Sri Emani Sankara Sastry, the world-famous Veena player, left for Andhra Bank. Both went as P.O.s. This brought pressure on me from my peers. Even seniors started pestering me to leave as there was no future in LIC. So, the first advertisement I saw was from Corporation Bank Limited, which called for Officer Trainees with Rs.700/- p.m. stipend in the 1st year and Rs.800/- in the second year. There were no other benefits PF, attached. I was drawing a gross salary of more than Rs.900/-,  in LIC.  But the absence of growth prospects in LIC prompted me to make a good decision then, but one that proved fatal later. I was called for a test on the 11th of September, 1977, nine days after my traditional marriage and for an interview on November 15th, in Hyderabad. Candidates appearing for these objective-type, mental ability tests used to buy books and prepare strenuously. I was walking in without even thinking about the test. That was my confidence level and my IQ level, that my third brother envied a lot. Even now, if I write a poem, a blog or a parody and post in the group, his reaction stinks of envy. Other family members who sit like cats on the wall are afraid of his reaction, if they pass a remark applauding me, forcing me out of the group.

 

There were two panelists. One was a respected gentleman from AP, Sri. C. Narasimham (I learned about him in later days, a Chowdary by caste (I had to mention caste, as you will know later why I did so) and the other was one Mr. KPJ Prabhu, a Konkani speaking from South Canara District. They asked many questions for half hour and Sri C. Narasimham nodded his head. He asked me, "Can you extract work from your subordinates?". I said I was as capable as any officer working in the Bank. Arrogant? But I was right. The other gentleman immediately intervened, as if he were waiting for a chance, "He is looking just like a boy. How can he extract work from seniors, that too with strong unions in the banks?" At that Mr. Narasimham got very angry ( I do not understand even now why he supported me so much. He was very much impressed by my plain-speak and bold attitude. There is no other explanation as we were seeing each other first time in life) and said, "This is not Military Service. This young man seems far better than many of your executives." and he told me "You are on the panel. You will hear from us." This might have angered the other Director and I was not knowing what was the noting he made. I climbed the ladder again, and within a split second, a snake bit me. My growth and fall started the same day. I proved the Director, who selected me was right with the capable handling of my job  and the other Director who objected my selection proved right after eighteen years of service, when I was dismissed as recommended by him in his dissent note. It took very little time for my mercurial brain to know what transpired between the two.  It was a split verdict with no provision for appeal.

 

 

Plunder or blunder, the result is the same. Mr. B.G.Prabhu poured petrol on the brightly shining career of one of the most efficient officers and burned the light into ashes.

 

I was selected and received my orders on 3rd December, asking to report in Mangalore on the 19th for training. Incidentally my interview in LIC was on 15th November and I received orders on 3rd December, 1973 only. I received dismissal orders dated the same day 18 years later. Strange, but true! Did the Creator create me while he was half-asleep?

 

The struggle started. My wife wanted to explore the world as she never saw any place other than her native places like  Ponnuru, Tenali, Vijayawada and Hyderabad. My family was against my moving out for their selfish ends, as they would lose my patronage. But they unanimously extracted a promise from me that I shall send Rs.200/- PM, till my younger sister gets married. My younger brother was earning Rs.450/- by then as a Junior Engineer in Telecommunications. I made a promise. I did not fail. Even if I failed for lack of funds, they did not allow me to fail even for one month. So, I borrowed further to keep them happier than me, my wife and one child the first year.  He was in RBI as a Senior Officer. Pendulum swung in favor of my wife's wish and my own ambition and advice of Seniors in LIC to quit the rotten LIC of India.

 

Quirk of fate was that, exactly within a year of my leaving, ban on promotions was lifted in LIC and all my colleagues who passed departmental examinations retired as Senior Divisional Managers. But a Bank job was a Bank job, the most challenging job then. That too in Branch banking, it was more so. In LIC there were no challenges. It was routine clerical work, come at ten and leave at five. That way, I derived job satisfaction even for a limited period.

 

There was a problem getting relieved from LIC of India, as the Union guys with whom I fought for four years made an issue that I kept work pending and committed many errors. This was after I met my wife and was roaming. These were the same guys who advised me not to work. Till last minute, one Tamilian Divisional Manager, Sri Srinivasan did not relieve me. I said it was OK. "I will take back my resignation and complete the work and then get another job." With pressure from the other officers, who liked me he relieved me on 15th December, 1977 at 5'0 clock, after one of my sympathizers, a very senior employee, promised to complete the work. And he completed as he promised. It was the first and last time I kept any work pending.

 

The game of ladders and snakes started in right earnest on the 19th of December, 1977 in Mangalore. Fifteen days of training went on smoothly. Malayalees were my best friends, then. Our own people used to envy me and mock me. Tamilians were the worst of all.  A day before the training was about to end, Principal of the training college called each trainee for a kind of interaction, guidance and moralization. His name was Mr. Subbarao. Usually,  faculty and principals of training colleges were failures in Branch operations and, this posting as faculty was the last resort for the failed and incompetent in those days. The first question he asked me was, "Are you a relation of Mr. Narasimham ?" I was stunned. The officers who interacted with him told us that he asked a few questions about what we knew about banking and he gave a morality lecture.  I told "No". He asked, "Do you know him?" I stammered a little and said, "No". "Then who recommended you? " My temperament took over my good sense.  I replied, "God!". He got furious, asked many irrelevant questions, said I was fit for nothing and declared that he would see how many days I would serve the Bank. My left leg was out of the Bank on the 15th day of joining.  But I was already in a bone with man-eating tigers baying for my blood. I knew that day that time was running out for me and I should look for another job in another bank, even if it were a clerical post. But, -

+ge for entry into any bank, no other institution recruited in any cadre. Only once, UTI*Bank Limited, another private bank, advertised for Probationary Officer posts. I was in Davangere then. The test was in Bangalore. I did not get leave for Saturday. So, on Saturday evening I caught a bus , reached Bangalore at 8 AM, attended the test at 10 AM. I was drowsy and as I did not have breakfast, I started almost swooning. First ever and last ever time I failed in written test. Disgusted and disappointed I returned to Davangere. It was the first and last opportunity I ever got to get out of the cage  of wolves and tigers.

 

Do you see the cucumber below.  A peculiar color combination we rarely see. I was in the same piquant situation, half hope and half despair.

 

 

We, all the recruits, had to fight three forces. That was the first time the Bank made direct recruitment to the officer level. So, we angered the existing officers who saw a threat to their future growth. The clerical staff hated us as they lost out on promotions. The third and the most ominous force was the local South Canara Staff, officers, executives etc. who hated any outsider in the bank. I make this statement with full confidence and conviction, as we all suffered humiliation at their hands. This was not unique to this Bank. In Andhra Bank there was rampant casteism. In Vysya Bank, the same malaise prevailed. Karur Vysa Bank was treating non-Tamilians as aliens. This was a curse that was imposed on us by the Britishers and colonial political bootlickers.  Many of the recruits left within the first year, and few remained. A few grew in cadre, and a few rebels like me suffered huge blows. This was a fact. Now all has changed after the Nationalisation of Banks, hopefully.

 

I will close this part with what our Chairman, who was reportedly a political choice and was allegedly sharing funds illegally collected from borrowers with a national political party. One politician from AP used to call all names in front of us. He was addressing him singularly. This politician was much younger than our chairman. You could have seen the photos of the Chairman and the Politician in a photo I posted supra.

 

"Not only be honest, but appear to be honest." He knew only that sentence. He was appearing, though he was dishonest, and was expecting us to be really honest. That explains the philosophy of the Bank, back then.

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