Ravindran K Malayil is a Post Graduate in Economics with specialization in Public Finance. He is also an M.S. in Psychotherapy and Counseling. He has decades of experience in banking. His first love is reading and love of music is a close second. He follows football, tennis, cricket and sports in general. He travels extensively. He is a good cook and that he feels is the secret of his well-being in the quagmire of acerbity.