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Authors: Ravi Subramanian
Bankerupt (Ravi Subramanian)
Ravi Subramanian
BANKERUPT
Desire. Greed. Murder.
Contents
About the Author
By the Same Author
Dedication
1. 21st April 1999
2. 5th June 2008, 9.25 a.m.
3. Early March 2008
4. Summer of 2000
5. June 2004
6. November 2004
7. February 2005
8. February 2005
9. May 2005
10. End-May 2005
11. May 2005
12. May 2005
13. July 2005
14. July 2005
15. August 2005
16. October 2005
17. March 2006
18. April 2006
19. Mid-2006
20. Mid-2006
21. January 2007
22. April–June 2007
23. May–June 2007
24. July–September 2007
25. Early October 2007
26. 3rd October 2007
27. Mid-October 2007
28. Mid-October 2007
29. November 2007
30. December 2007
31. End-February 2008
32. March 2008
33. March–April 2008
34. April 2008
35. First quarter of 2008
36. April 2008
37. April 2008
38. March–May 2008
39. May 2008
40. May 2008
41. 26th May 2008
42. 26th May 2008
43. 27th May 2008, morning
44. 27th May, night
45. 28th May 2008
46. 29th May
47. 30th May
48. 31st May 2008
49. 2nd June 2008
50. 3rd June 2008, morning
51. 3rd June 2008, evening
52. 3rd June 2008, night
53. 4th June 2008
54. 4th June 2008
55. 5th June 2008, 10.45 a.m.
56. 7th June 2008, morning
57. 7th June 2008, evening
58. 8th June 2008
59. 9th June 2008
60. 9th June 2008
61. 9th June 2008
62. 10th June 2008
63. 11th June 2008
64. 11th June 2008
65. 11th June 2008
66. 11th June 2008
67. 11th June 2008
68. 11th June 2008, night
69. 12th June 2008
70. 12th June 2008
71. 12th June 2008
72. 12th June 2008
73. 12th June 2008, same time
74. 12th June 2008
75. 12th June 2008
76. 12th June 2008, evening
77. The next few years
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Copyright Page
PENGUIN BOOKS
BANKERUPT
Ravi Subramanian, an alumnus of IIM Bangalore, has spent two decades working his way up the ladder of power in the amazingly exciting and adrenaline-pumping world of global banks in India. It is but natural that his stories are set against the backdrop of the financial services industry. He lives in Mumbai with his wife, Dharini, and daughter, Anusha. In 2008, his debut novel,
If God Was a Banker
, won the Golden Quill Readers’ Choice Award.
The Incredible Banker
won him the Economist Crossword Book Award in 2012.
To know more about Ravi visit
www.ravisubramanian.in
or email him at [email protected]. To connect with him, log on to Facebook at
www.facebook.com/authorravisubramanian
or tweet to @subramanianravi.
Also by Ravi Subramanian
FICTION
If God Was a Banker
Devil in Pinstripes
The Incredible Banker
The Bankster
NON-FICTION
I Bought the Monk’s Ferrari
To
Anusha, Meghna and Manya
1
21st April 1999
Washington
Bill Clinton, President of the United States of America, walked into the Central Rotunda, the large-domed circular room on the second floor of the Capitol Building in Washington. An impressive ninety-six feet in diameter and roughly double that in height, the Central Rotunda was the most imposing part of the seat of the US Congress.
The events of the previous day were playing on Clinton’s mind. In a fatal attack on Columbine High School, Colorado, two high-school-going teenagers armed with assault guns walked the corridors firing indiscriminately at everything in sight. The result was mind-numbing: twelve students and one teacher dead, over twenty-five injured and hundreds scarred for life. That Tuesday, the ugly side of guns had reared its head once again.
Walking quietly around the room, a preoccupied Clinton revisited the Democratic Party’s desperate attempt to curtail gun abuse in the USA. In 1992, when initially elected President, Clinton had become the first presidential candidate in over eight decades to have run his campaign on promises of stricter laws around gun control. He signed the Brady Bill, which introduced a five-day mandatory waiting period for a gun purchase and required local police to run background checks on buyers. He was also a signatory to an Assault Weapon Ban (AWB) in 1994, which banned most semi-automatic rifles and weapons. Why then did incidents like the Columbine High School massacre take place? This was the thought running through Clinton’s mind when he stopped.
In front of him hung a 12-foot by 18-foot eighteenth-century oil on canvas painting by John Trumbull. For a long time he stood there staring at it teary-eyed. ‘You,’ he said. ‘You are the one responsible for this. Mr President. You. Thomas Jefferson. I blame you.’
The painting depicted Thomas Jefferson, the principal author of a committee of five, presenting the Declaration of Independence (DOI) to the then President John Hancock and the Second Continental Congress on the 28th of June 1776 at the Independence Hall in Philadelphia. Right next to the painting was a floor display unit, which held an image of the parchment on which the DOI was written:
We hold these Truths to be self-evident, that all Men are created equal, that they are endowed by their creator with certain unalienable Rights, that among these are Life, Liberty, and the Pursuit of Happiness—That to secure these Rights, Governments are instituted among Men, deriving their just Powers from the Consent of the Governed.
Clinton was not wrong.
At the time the constitution was being debated, eleven years after the DOI, the fathers of the DOI were worried that a strong central government would trample upon the rights of the individual. A need was felt to protect the constitutional rights of the American citizen—rights that are guaranteed and are not at the whims and fancies of any government. This was seen to be in line with the DOI, which clearly said that governments must derive their just powers from the consent of the governed.
On 15th December 1791, ten amendments to the constitution were ratified. One of them was the Bill of Rights, commonly referred to as the Second Amendment:
A well-regulated militia being necessary to the security of a free state, the right of the people to keep and bear arms shall not be infringed.
The Second Amendment conferred on the Americans the right to keep and bear firearms. This made it very easy to own assault-grade firearms in most American states. Most of the Republicans and gun rights lobbyists argued that any alteration of this fundamental right could only be brought about by modifying the Second Amendment, and that was only possible through a change in the constitution. For which one needs to go back to the people. The last line in Jefferson’s DOI came back to haunt independent America.