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Risky Times for the Risk Transfer Business

Published in “The Changing Face of Indian Insurance” by BCG and FICCI

Year end musings…

How do you measure the length of a year other than the number of days – 365 or 366 – whatever that be?! The thought popped when attending the last book launch of the year. And the year to me was representative of a unique timescale relating to authors known and unknown!

“What is it about writers and their stories?” Asks Navtej Sarna and then tells us what he thinks. “The curiosity about the writer’s mental landscape, the yearning for a whiff of the alchemy of inspiration, has governed many of my journeys over the last three decades and more and many of the pieces in this collection are the result”.

It was a cold mid December evening when Navtej sat face to face in a Q&A with William Dalrymple at the Taj Mansingh, New Delhi. That was day one of the current year to me! Second Thoughts is a collection of columns written by him over seven years. The journey, however, commenced much earlier – from the time he began to acquire second-hand classics – when very young. These sparked his literary passion.

I sat in silent awe at the Seattle Athenaeum on April the 29th, listening to Lucia Perillo. It sounded like you were hearing straight from her soul as she read from Time Will Clean the Carcass Bones, a collection of her moving poems.

Her valiant fight with multiple sclerosis translated not only into shaky hands but perhaps heightened and tempered her poetic genius. A Pulitzer finalist, “she displayed her characteristic fearlessness and humour. Throughout  her career, Perillo’s poems have brimmed with insight and with matter-of-factness at the wonders and disappointments of nature – especially the failings of the human body”. Gripping a pen to sign my copy of her book was not easy. Yet holding it in a very determined grip, she managed to autograph it. It was only in December that I read about her sad demise on October the 16th. Suddenly, despite such a short timeline, the year felt much longer.

During their reading from Burning Country: Syrians in Revolution and War at the Seattle Public Library, just a day ahead of the Athenaeum event, Syrian-British co-authors Robin Yassin-Kassab and Leila Al-Shami displayed a strong ray of hope for humanity. The disintegration of the state had ironically empowered the common men and women. They rallied together to ensure hygiene, food, healthcare, education of children, looking after the old and injured, power supply, newspapers and radio in the war torn nation. It is heroism of the highest order and a reminder to the world not to forget this tragedy.

An Unrestored Woman by Shobha Rao was my third book launch attendance the same summer – this one at the Emerald City’s Elliot Bay Book Company. Shobha herself is a brilliant representation of how the Partition continues to influence a generation removed both by time and geography. In a story titled Curfew, she for instance very sensitively captures the remote melancholia of Safia who moves from Lahore to the UK as a child. She seems to be forever running from or for something. As she says, “We leave the places we’re born, the places we’re meant to die, and we wander into the world as defenceless as children. Against such wilderness, such desert.”

The thought about a scale to measure the length of a year crossed my mind when listening to Anosh Irani during his latest gift to the city of his birth. The Parcels‘ “astonishing heart, soul and unforgettable voice is Madhu – born a boy, but made a eunuch – who has spent most of her life in a close-knit clan of transgender sex workers in Kamathipura, the notorious red light district of Bombay”.

Someone at the Mumbai book launch asked Anosh as to how long it took him to write this book. “Perhaps two to three years. However, this story was always with me. I grew up very close to the scene of action and every time I came to Bombay I would want to visit this location to continue my investigation”. The author has been a resident of Vancouver, Canada since 1998. This book launch at the suburban AntiSOCIAL seemed like a befitting end to the year that was.

However, it had to be December the 19th when I found myself at a panel discussion face-to-face with a scholar and author, at Ahmedabad Management Association. Having had the opportunity to read V. Raghunathan’s many titles and reviewed a couple, the best form of engagement, as it turned out, was to let his brilliance shine through the interpretation of contemporary events via his creations.

I went for Games Indians Play; The Corruption Conundrum; Mahabharat; Duryodhana and the most recent – The Good Indian’s Guide to Queue Jumping. In the process he left the audience, and me, spellbound as well as believe with reasonable conviction – that there is no point in obsessing with a right or wrong. One must also begin to look for the grey.

What a great perspective to have just in time for yet another year!

Indian Property Insurance Pricing Conundrum

Published at the CII Knowledge Blog: link

The Chinese-Egyptian link!

Several weeks after the Xian visit I was in Singapore and at a dinner talking to my friend Nimish about a possible connect between ancient China and Egypt. Pre-dating the Silk route!  Coincidentally just then I get a text from my wife Medha confirming post card from Xian had arrived, the last of the four recipients. Some remarkable timing!

A fine meal concluded with an amazing adaptation of a designer moon cake by Raffles! Yet it’s the food for thought that warmed the resolve to continue our exploration of the ancient super highway…

Back at work in Mumbai, I get this most amazing mail from Nimish. A link to an authentic paper linking the origins of the Chinese race to ancient Egyptians. Now what do you make of something like this? Nimish calls it prescient! He also promises to introduce me to a Chinese book of antiquity on the Silk Road. In the meantime, for anyone wishing to explore this theme – here is the provocation: http://foreignpolicy.com/2016/09/02/did-chinese-civilization-come-from-ancient-egypt-archeological-debate-at-heart-of-china-national identity/?utm_content=buffer7bb49&utm_medium=social&utm_source=facebook.com&utm_campaign=buffer (Source: Foreign Policy.com).

Whither H.R. in VUCA times?!

Published in the Journal of the Insurance Institute of India

The Warriors, the Wall, Xi’an & the Emperor Qin Shihuang!

Recently back from Xi’an I am not surprised that China’s first ever emperor was a product of a Silk Route location – Xi’an or Chang’an in the Shaanxi province. Ying Zheng took the throne in 246 BC at the age of 13. By 221 BC he had unified a collection of warring kingdoms and took the name of Qin Shihuang.

What is now referred to as the eighth wonder of the world, the Terracotta Warriors site, is a part of an elaborate mausoleum created to accompany the emperor during his eternal rest into the afterlife. One of the first projects the young king accomplished when alive was the construction of his own tomb. It is believed he never gave up the quest for immortality and continued his desperate obsession for discovering the elixir.

One enemy that would not give up pushing back the Qin Empire again and again was the Xiongnu tribes. As a response to this challenge came up what became the precursor to the Great Wall. The Qin dynasty lasted only a little past the lifetime of its first emperor (221 to 206 BC).

The Hans (206 BC to 220 AD) followed the Qin dynasty; it was under their Emperor Wu Di that first Chinese missions were sent to South-East Asia, Central Asia and eventually even Rome, marking the beginnings of the Silk Road. However, even before the Silk Route was formally established, could there be something that Qin Shihuang imbibed from ancient Egypt and its Pharaohs? Perhaps historians would some day be able to unravel the compelling drivers of the two legacies that the first Qin emperor left behind – the Warriors and the Wall.

Thanks to the consolidation by the Qin dynasty, it created a platform for the launch of a first truly global trade route both by land and sea – the Silk Route. The stability and prosperity it brought about, made it a home to several dynasties, later also evolving into a major seat of Buddhist learning. Both Faxian and Xuanzhang the renowned traveler scholars, who extensively explored India, resided in Xian. The Big Wild Goose Pagoda housed Xuanzhang’s library – a collection of Buddhist scriptures he carried with him from ancient India.

Now back to the present. The Terracotta Warriors’ site seems forever busy at a frenzied pace. Such is the rush that the traffic on the approach highway barely crawls owing to major traffic jams. Your patience gets further tested once you get inside the pit area which is covered by humongous hangar like structures. The thousands of eager tourists do not easily give into your desire to get close to anything you may wish to watch closely and patiently. You are bound to get pushed again and again by a sea of humanity. The rapid fire clicking of cameras feels like over-excited glow worms dancing in random orbital patterns.

Slowly and steadily we all get used to the sounds, hustle & bustle, dim lights and get the focus right to be attentive enough to hear what our guide Mr Li has to say. He has his own sense of humour. As we peer into the trenches where stand the formations and lies the rubble – he points at the mounds of clay next to them. ‘That is original clay which has been dug out from the pits to be sold for making fake terracotta soldiers for sale’!

Every now and then he reminds us what all to see and where to look for him ‘you have 20 minutes sharp’, if anyone in the group were to get swallowed in multiple directions. Dr Liang Rong, our guardian angel, from host Tsinghua University SEM keeps a watchful eye to ensure none of us go out of her sight. After centuries of subterranean existence the chance discovery of this amazing find has literally unleashed massive energy wave after wave of curious hordes. ‘Chalo Chalo’ (Let’s go, let’s go) shouts Li when he spots us. He informs our multinational lot as to how he has picked this from the several Indian groups that he receives. It is concise, loud and clear. ‘And I am the only one saying it’!

Despite all the din and distractions one is overcome by the scale of design and execution of the ‘project’. More importantly the enormity of restoring them all – six thousand plus warriors and the paraphernalia from virtual rubble. The Sherris couple who were revisiting since 1997 find the site no different from their first time. Dr Katja Hanewald who specialises in Population Ageing Research at the UNSW and I talk about how it has become scientifically possibile for humans to live a full 300 years. Maybe you need to really survive that long if you want to see a perfect recreation of what Qin Shihuang originally conceived and left behind! Chris Parsons from Cass Business School and I remain foxed by young Qin’s having to reconcile with putting together an empire, pursuit for immortality and life after – all at once!

As we sit down for our formal conference dinner, Katja seated next reminds me the cuisines are hot and extra spicy owing to the Central Asian influences on the Silk Route. They truly represent the culinary diversity of China.

Eight Weirdies In Shaanxi Province
Hot pepper is a delicacy
Local people may have their meals without any meat or vegetable, but they can never do without hot pepper which has already become a kind of delicious food. It can be put in noodle or steamed bread. The hotter the better. (Picture postcard quote)

Then on my return flight from Hong Kong (well ahead of Typhoon Nida making a landfall – it was Signal 1 raised then), I had this young man from Gujarat (Guangdong of India, what The Economist termed it) as a fellow traveller. Returning from Shenzhen where his company gets its I.T. hardware manufactured. He was visiting the client to fix some bugs is all I gather. His excitement about the wonderful commutes on the MTR across large parts of Guangdong was understandable. He did not follow Cantonese but managed his way courtesy the efficient systems. And food? There are plenty of vegetarian options, he said. I even found an Indian restaurant in Shenzhen!

With some time to spare, having checked in, I could not resist entering the airport post office. It was such an abode of peace. The gracious lady manning the counter served me tea as I sat down and scribbled on the four picture post cards. Only the farthest one – to the US – has been delivered till date! The rest I guess are still somewhere on their way via the snail mail on the New Silk Route. A taste of slow paced nostalgia…

An Unrestored Woman by Shobha Rao: Another Harvest Savaged!

The last time I stumbled upon one such unsettling experience – it also opened to me an unknown side of the author MS Sarna – as I journeyed through canvasses of the vivid and moving stories he painted. But it was too late to pose some existential questions arising from his creations.

Shobha Rao’s book launch in faraway Seattle coincided with my holiday there. Yet another set of partition account? As I headed to The Elliot Bay Book Company where Shobha was reading her short stories titled An Unrestored Woman, I conjured some form of detached and benign fiction. My mental construct said she was too young to be authentic. Moreover, given her origins from nowhere near the epicenter of the un-great divide and living in the U.S. of A – this could only be a harmless though creative concoction!

Such is the intensity and immensity of the consequences of the line Mr Radcliffe drew across the subcontinent that it continues to pollinate the imaginations of distant generations in faraway geographies even today. And Shobha for sure is one such recipient who chose to deal with this historical aberration in her uniquely creative style. The bonus this time – I could speak to the author after the book reading and can seek answers if and when there are more questions.

The transfer of populations between India and Pakistan is considered the largest peacetime migration in all of human history. It is believed, says the author in her introduction, that eight to ten million people were displaced from their homes and villages, with primarily Hindus, Muslims, and Sikhs seeking refuge in what they hoped would be the relative safety of the religious majority. This mass movement of people incited numerous acts of violence on both sides, with nearly a million people killed in the migratory effort.

As with a majority of conflicts, says Shobha, women and children during the Partition were often the most vulnerable. Her key focus is on the specific brutalities inflicted on women including kidnappings. She cites official estimates that 50,000 Muslim women in India and 33,000 Hindu and Sikh women in Pakistan were abducted. Many of these were forcibly returned to families who, in some instances, no longer wanted them, considering them impure. Though the commonly used term for these women is recovered women, she chooses to refer to them as restored. The distinction may seem trivial, she says, but it is necessary, for I believe that while recovery of a person is possible, the restoration of a human being to her original state is not.

She distanced herself from the stories and let her imagination takeover

While she did interview a lot of survivors who went through the partition upheavals – Shobha says she then distanced herself from the real stories and let her imagination takeover. Read her stories and you can sense shades of aftermath of a war, holocaust, full of depravity, bestiality, siege, revenge, greed and deviant behaviour – be it the cause of what followed or caused by what followed? Relationships were tested, cracking the fragile ones and brought out of the blue some into a blossom. Kavitha and Mustafa perhaps is the most priceless of the stories.

The circumstances that unfold on the train ride suddenly witness the marriage of Kavitha and Vinod outlive its utility. Kavitha finds herself supporting little Mustafa’s cause who must cross into the Indian border and be ferried across to East Pakistan. The social fabric that held together its diverse constituents – suddenly gave way to a communal frenzy but there was always some hope. Kavitha’s fondness for Mustafa was surely one.

Shobha herself is a brilliant representation of how the Partition continues to influence a generation removed both by time and geography. In Curfew, she too very sensitively captures the remote melancholia of Safia who moves from Lahore to the UK as a small child. She seems to be forever running from or for something. As she says “We leave the places we’re born, the places we’re meant to die, and we wander into the world as defenceless as children. Against such wilderness, such desert.”

Farther in the United States Meena runs into erstwhile Police Officer Jenkins from Rawalpindi under strange circumstances leading to stranger outcome. Or Renu who turns from a housemaid to The Merchant’s Mistress and eventually fakes her way to South Africa disguised as the merchant! So it’s not just Safia alone, everyone’s running away from something that’s got something to do with Partition. It’s not always a flight. And Shobha brings out how women who suffer the most from civilisational upheavals can fight too.

A tonsured Neela ended up in CAMP FOR REFUGEES AND UNRESTORED WOMEN. District 15, East Punjab because her husband Babu was supposedly dead. Reunited yet again, Neela however decides to end her life. A tragic but heroic one. Some very moving words embellish this “The branches reached down and just as she closed her eyes they gathered her up onto their shoulders and held her as she had always dreamed of being held. As she would never be held again.”

Abheet Singh’s widow to Jenkins “Yes, I know”, she interrupted in Urdu. “ You want to express some condolence, some sadness. Isn’t that so?” and later, “Cruelty’s a strange thing,” she said after a long moment. “It gets so you actually miss it.” The exploitations of Bandra and how Zubaida pays back in Blindfold. The brave mother who chose not to leave her Noora behind because the law said no child of a Muslim father was to be allowed, in The Lost Ribbon. In The Opposite of Sex, the manipulative Mohan changes the boundary demarcation between India and East Pakistan to win over Lalita. A dramatic end follows but Lalita holds her ground. Another brilliant story in the form of Such A Mighty River is also set on the Eastern front.

While the stories leave you very uneasy, that’s the price one must pay to experience the tumultuous times many of us were not physically present in. The creator’s imagination, creativity and research are a fine attempt to simulate the ground reality as it unfolded back then. Thanks to her story telling, readers get their fair share of pathos, fear, anxiety, despair and all kinds of unsettled feelings. You are bound to be transformed to the gloomy and tragic past of our recent history.

Shobha duly credits sources of her inspiration, yet the craft is distinctly hers. What stands out is her graphic portrayal of the price women end up paying again and again in moments such as these and bear the brunt.Ms Rao would certainly make a great role model to aspiring authors in ensuring all such struggles find their due place in modern literature.

Ensuring insurers are around when claims come!

Published in The Journal of Insurance Institute of India, April-June 2016

Passage to a Corruption-Free India

Published in the April/May 2016 issue of CII Journal

@Maui

Whilst at Maui
In Hawaii
Why must occur to me this hoo ha
About Wagah?
Defending territory
Seems a fixation since eternity
While two footed or four
Cannot crossover
The winged ones, scavengers or birds of prey
Have an unhindered cross border sway
Back in Amritsar city
You just cannot but surrender to the Temple’s mystic beauty
Land of a golden tradition
To resist any form of submission
Wanna witness a historical parallel?
Must to Mewar you got to travel
Just as gather all us spectator
Eager to watch the sound and light spectacle at Kumbhalgarh
Comes the Muezzin’s daily last call
From inside the fort’s own robust wall
Descendants of Muslim forces – who owed Pratap their loyalty
Resolute choices of this valiant Maharana brought him both – misery and glory
Fighting a central imposition
Proving you need not take sides based on religion
That bombings and strife
Has a brighter side as well, for Syrian life
Robin Yassin-Kassab and Leila Al-Shami narrate with intense passion
How local councils are running many a non-state sponsored institution-crucible for reinventing the idea of a nation?
Then on the flight to Kahului, in Maui – have besides me this Ukrainian origin family
Anna, Natalia, Svetlana and Uri
Having modest means
Does not come in the way of their American dreams
And as the names suggest, they are neither giving up on literature
Nor space adventure
Not sure what to make out of the whisper
Of a free Hawaiian state, at the Lahaina harbour
All this and lots more, whilst at gorgeous Maui
In far flung Hawaii…