3 The pandemic continues to shake up the world, with several countries remaining in lock-down. Even in India, where there is a dramatic fall of the COVID-19 cases tending to zero deaths, we see its ugly head rising in quite a few parts—Kerala, Karnataka, and Maharashtra and thousands of dogs died due to the virus hitting them in West Bengal. No one knows the end of it. The vaccines are moving fast and over 10 million of people received the first dose and half of them, the second dose too. The risks of the pandemic have spread to all sectors and the financial sector is the worst affected. ...