1. STRESS
ACCIDENTS
AND
LOAN POLICIES
DR.
SHRINIWAS
KASHALIKAR

2. Mismanaged STRESS can cause accidents; directly as
well as indirectly. Thus the direct influence of the
STRESS is through indisciplined, irresponsible, careless,
uncontrolled and haphazard driving. The indirect
influence of mismanaged STRESS is through the ad hoc,
populist, indisciplined, irresponsible, careless,
uncontrolled and haphazard decision, policy making,
plans, programs and their implementation.
It is true that at young age; we feel like riding bicycles,
scooters, motor cycles and cars. There is a craze of riding
and racing on a vehicle. There is attraction for speed.
(The horse, donkey, camel, elephant and even buffalo
riding are popular. But the number of animals is
dwindling due unabated slaughter and devouring of
animals. Moreover; the margins of profits are possibly
not as attractive as in the vehicle industries and trades.
Hence there is no promotion and/or hype of these.
Naturally; these rides are rapidly becoming extinct.)
In general the policies and programs of the governments,
industries, traders, banks, advertisers and the
entertainment business; revolve around natural and
artificially created crazes (based on biological instincts

3. and emotions). They revolve around the craze of riding,
speeding and racing; irrespective of its consequences!
They revolve around the glamour, glitter, pomp, style,
trend, fashion and “one up man” ship. They revolve
around impressing the others!
Thus; the government policies, industries, trades, banks,
advertising and entertainment business; complement one
another; in capitalizing and on such crazes and creating
social hazard and menace! Hence there are the policies of
excessive import and unmanageably infinite production
of cars, motor cycles, scooters etc.; promotion, provision
of easy and soft loans, marketing, creation of hype, style
statement, fashion, and morbidly excessive and
artificially created hysterical demand!
This is the effect mismanaged of the STRESS of policy
and decision makers, in different fields!
It leads to excessive increase in personal vehicles, leading
to all the STRESS of traffic jams, pollution; and
accidents; in spite of ad hoc and piecemeal measures such
as increasing traffic police, stringent traffic rules,
compulsion of helmets etc.!

4. The root of the problem viz. Complementarity and
cooperation of forces; increasing the number of private
and personal vehicles on the road; in preference to the
public vehicles of mass transport; can be largely
overcome by;
1) Adequate production and promotion (in terms of
quality and quantity) of vehicles of mass transport such
as buses and easily available low interest (easily
affordable) loans; for the purchase and use of buses as
compared to and in preference to private cars, and two
wheelers
2) Normalizing of the disastrously excessive production
and promotion of private and personal vehicles including
two wheelers
This can have some rectifying influence in terms of
preferential purchase of buses and running public
undertakings and private businesses of mass (bus)
transport. The number of vehicles on road would reduce
and the major STRESS would be largely overcome. The
wellness cycle would begin.

5. Loan policy to reduce personal vehicles and promote
vehicles of mass transport; is not merely complementary
to all the precautions every body related to automobile
industry and road transport; such as the car owners,
drivers, pedestrians and the traffic police should take. In
addition; being holistic and accurate; the impact of this
policy is far more extensive; than any individual,
departmental or institutional precautions, taken in
isolation.
Everything done to reduce personal vehicles; and
promote vehicles of mass transport; is one of the globally
beneficial decisions, policies, plans and programs; of the
Total Stress Management (the core of which is
NAMASMARAN); and its propagation and
implementation are also included in Total Stress
Management.