Giffen Good

Some ideas arrive wearing uniforms. Giffen Good arrives in a kurta — plain, comfortable, and ready for work.

The idea is simple, and like most simple ideas it is easy to nod at and hard to use. The nod is free. The use costs attention, every day, in small change.

It is worth keeping in your pocket not because it is always right, but because it is always available. A tool you carry beats a perfect tool you left at home.

Consider the chit fund in a small town. It survives not on contracts but on the shame of defaulting before neighbours. Reputation is the oldest collateral in India.

Money is a good clerk and a terrible master; the arrangement is entirely up to us. One page cannot change a life. But one recognised pattern can change a Tuesday, and lives are made of Tuesdays.