We do live in turbulent times. Be it a financial meltdown of Lehman Brothers about a decade ago, or the IL&FS debacle or the current Covid-19 pandemic, the shock waves do reverberate throughout the globe. Like it or not, lives and livelihoods are lost in its wake owing to a host of factors. Widespread downsizing, it not outright closure of industries, has been seen in the current crisis as well.  

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