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Responses to Sticklish Issues dated November 20

This development could encourage Tata Steel to make a revised offer. The market value of Corus could go south. Similar bids from Rusia's Severstal and China's Sino Steel are expected. The tussle for bids is set to settle at a higher pitch than was originally expected.

T. S. Sundareswaran, New Delhi

Offers and counter-offers have become the order of the day. It will be a while before the final outcome becomes obvious. The Tatas will need to study the competing offer and its implications before taking a decision.

S. Krithivasan, email

CSN's all cash offer of 475 pence per share has come as a surprise. The Tatas may be forced to raise their offer by about 10 per cent if they want to clinch the deal. It is hoped that they, like the Mittals, will prevail.

A. Jacob Sahayam, Thiruvananthapuram

Responses to Sticklish Issues dated November 13: Financial inclusion means delivering banking services at affordable rates to the disadvantaged and low-income group. As banking services are in the nature of public good, it is essential that this service is available to everyone.

The Reserve Bank of India continues to emphasise the need for financial inclusion of the under-privileged, who have hitherto largely remained outside the periphery of the banking system.

Apart from formal institutions such as banks, which should look at this as a business opportunity and social responsibility, self-help groups and NGOs can also play an active role in this regard.

S. Krithivasan, email

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