By Raffique Shah
April 09, 2017

My friend Pablo (not his real name) is on the brink of bankruptcy. In fact, he has been teetering on the edge for six, seven years or so, managing somehow to stave off the banks, which is in itself an achievement, given the heartlessness of the decision-makers at financial institutions. But for a man who has worked hard to afford the little luxuries that many middle-income earners enjoy only in their latter years, he is facing uncertainties over whether he will survive to see his 70th birthday.
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