Do you remember our last conversation about war and peace? We talked about how India had to struggle for its Independence from the British for many centuries. Post independence our country has had to fight several wars to protect its borders, territorial integrity, and its people. They fought to protect our country and sacrificed their lives so that we could lead our lives in peace. What were their names? Last week I got the answers to some of my questions during an educational trip to New Delhi organised by our school. You may recall, I was looking forward to this trip and our visit to many places of historical and educational significance. I learnt several new and interesting things, and I am excited to share them with you. Let me begin by asking you to guess the name of the monument that I found most inspiring. The construction of this monument started in April 2018 and was completed in February 2019. It was envisioned and then inaugurated. In terms of location and size, it is spread over 40 acres of land near the iconic India Gate. But more importantly, it is a tribute to some of the bravest Indians. Our visit to the National War Memorial began with our teacher explaining that even after independence, India has had to fight many wars to protect itself, and the freedom and security we enjoy today is because of the many brave men and women who have served in the Indian Armed Forces over decades. Sadly, she said, war always takes its toll, and therefore, many brave soldiers have had to sacrifice their lives for the country even after our independence. This is what makes monuments like the National War Memorial extremely important so that we should never forget the cost of freedom. What do the banks do with the deposits which they accept from the public? There is an interesting mechanism at work here. Banks keep only a small proportion of their deposits as cash with themselves. For example, banks in India these days hold about 15 per cent of their deposits as cash. This is kept as provision to pay the depositors who might come to withdraw money from the bank on any given day. Since, on any particular day, only some of its many depositors come to withdraw cash, the bank is able to manage with this cash. Banks use the major portion of the deposits to extend loans. There is a huge demand for loans for the various economic activities. We shall read more about this in the following sections. Banks make use of the deposits to meet the loan requirements of the people