I think this is the important point.
Economical growth which we have witnessed in 2001 to 2012 is completely missing in the past 10 years due to various wrong policies.
I personally may be wrong but the current slow GDP growth rate will harm the larger population in next 10 years. Massive efforts are needed at an individual level to lift the GDP growth rate towards 10% at least to see some progress.
No investment in Credit Rating aganecies.
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