Mr.kelkar is a famous economist, but see his son-in-law Nitesh Shetty, a Bangalore based builder has done to 1000s of home buyers. Nitesh collected crores of rupees and diverted funds putting HB in verge of suicide, mental breakdown, etc.. what economic principle kelkar should give. Nitesh Shetty instead of writing books like this ? I have respect for Mr kelkar, but he is not able to correct his own close relatives business economics and putting fellow Indians in distress is shame for mr kelkar