In the shade of a banyan tree sits Margayva, self-styled advisor on the complex minor transactions which are an integral part of Indian life. Who else would you consult if you wanted a loan from the local Co-operative Bank?But a scrape with officialdom in the form of an unplanned interview with the Bank's Secretary - and a mishap which finds his spoilt son Balu throwing his accounts book down a drain - temporarily cuts short a lucrative career.