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A few wrong-doers have brought the industry to this state. They have taken their creditors for a ride — whether from the trade or financial institutions. The WFDB and all associations or bodies of the world dealing in this industry should act against these wilful defaulters. Maybe by boycotting them for a few years at least, or refraining from doing business. If possible, their memberships should be terminated, so they automatically would not be in the mainstream of business. It is high time we act as per our articles of association and code of ethics. I see this as the only option to revive the credibility of our industry at large. — Sanjay Kothari