Good explanation , however for some reason you didn’t bring up very critical explanation that the bank lending to private sector and individuals which is primary barometer to know the growth factor of economic . Hopefully, at the next explanation bank lending to private sector and individuals you will explain to us for last ten years and how that affects the growth of economy or correlation between growth and increasing or decreasing lending. As an economist how do you look at private borrowing by individuals can affect the growth of economy. This country in comparison developed world in similar situation where once stabilizing the economy underutilized resources both human and physical at disposal at individuals and businesses ,increased borrowing by individuals for housing and consumer durable goods are major impetus for put the economy on growth path with increasing borrowing by private sector for capital goods and inputs . Why this is not happening in this country.All what we have witnessed so far government increasing tax income through digging into stagnant economy depriving people of less resources at their disposal instead of increasing production . This further suppression of consumption by both private consumption and investments. Is this so called stability with lower equilibrium as I can see it is attributable to just reduced consumption and allowing invincible hand to do rest automatically or do we need targeted and well managed economic stimulus package .