Balu, his spoilt-child throws his account book, containing all the entries of his transactions with his clients into the gutter, and it becomes impossible for Margayya to resume his old practice. He shows his horoscope to an astrologer and is assured that good times will come for him if he offers puja to Lakshmi, the Goddess of Wealth. The puja is done for forty days, with ash from a red lotus and ghee made of milk from a grey cow. Margayya goes through the puja with all rigour and at the end of it is full of a prosperous career.

In Australia, a company providing financial services must obtain a licence from the Australian Securities and Investments Commission (ASIC). However, there are no requirements for the individuals providing the financial advice, and the ASIC website states that "Holding an AFS licence does not provide a guarantee of the probity or quality of the licensee's services."[4][5]

Many RIAs are fee-only advisors, meaning they can’t work off commission or sell a client any investment products that aren’t in the client's best interests. Financial planners don’t have to be RIAs to work under this business model. Fee-only financial planners generally make money via an hourly rate, an annual fixed retainer, or as a percentage of the investment assets they manage on behalf of their clients. They also have a fiduciary duty to their clients over any broker or dealer.
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