R C Mody is a postgraduate in Economics and a Certificated Associate of the Indian Institute of Bankers. He studied at Raj Rishi College (Alwar), Agra College (Agra), and Forman Christian College (Lahore). For over 35 years, he worked for the Reserve Bank of India, where he headed several all-India departments, and was also the Principal of the RBI Staff College. Now (2013) 86 years old, he is engaged in social work, reading, writing, and travelling. He lives in New Delhi with his wife. His email address is rameshcmody@gmail.com.