Edith M. Evans Estate, Brett Bottorff and Sharon E. Evans, executors, property in Keene Township, to Sharon E. Evans and Carol M. Stevens. Janet D. Rush and

Is the Prime Minister of India Narendra Modi still enjoying honeymoon period of his government?

No on the contrary since PM Modi has assumed the office it was never a honeymoon period for him as he was elected becuase people wanted a change from the corruption, scams and looking forward to all over growth and safety of the people and was expecting to bring reforms at every front.

Moreover thanks to some politicians, social media awareness, many minister of his cabinet working proactively and addressing the concern of people through social media people started questioning Modi directly in many issues and it includes the many issues which don’t comes under his jurisdiction for example, Kapil Sharma asking for Achhe din directly to PM but Modi government kept proactively and silently working to bring reforms.

Here are some key achievements, misses of Modi government’s, (I am not going to mention demonetization here becuase picture of it is yet to emerge and benefits if any are yet to emerge)


  • Jan Dhan Yojana

Anyone can now open an account in a bank, thanks to this financial inclusion scheme. Barely a fortnight after the launch, the yojana >entered the Guinness Book of World Records for the maximum number of accounts opened in a week.

The scheme is a big boost in moving towards direct subsidy transfer reducing corruption and middleman commissions/bribe and it will ensure that subsidy will actually reach the person in need.

  • LPG subsidy reforms

Initially started as a ‘Give It Up’ campaign, the Petroleum and Natural Gas Ministry headed by Dharmendra Pradhan >barred LPG subsidy to customers who earn more than Rs. 10 lakh per annum.

The amount saved was used to give over five lakh new LPG connections to those who still use firewood or kerosene stoves for cooking.

  • Swachh Bharat Mission

A pet project of Mr. Modi, sanitation ministry‘s Swachh Bharat mission got wide public support, especially on social media after celebrities joined the Clean India challenge. Not just stopping with cleaning the locality, the >government has taken initiatives such as building more toilets, waste management and waste segregation. Real success, will however happen, when manual scavenging is completely eradicated.

  • Corporate sectors also accepted Modi’s “Swachh Bharat Abhiyan” and promised to fulfill this target till 2019.
  • India-Bangladesh land boundary agreement

When India is facing boundary disputes with every neighbour, this >agreement gives optimism that issues can be amicably solved over diplomacy. The people living in the enclaves that were recently annexed to India even exercised their franchise in the recently concluded West Bengal Assembly elections.

  • Bankruptcy code

At a time when bankers were grappling with huge rise in non-performing assets and government eyeing to create more entrepreneurs, >the amendment of existing bankruptcy laws was necessary. With the support from Congress, the law was passed in Rajya Sabha during the Budget Session where the ruling party was short of numbers.

  • Digital India

This flagship programme of Ravi Shankar Prasad’s Communications Ministry aiming to create a knowledge economy and good governance is travelling in the right path. Every minister and every ministry is now on Twitter.

A slew of e-governance measures like digital locker and feedbacks through >mygov.in are some notable initiatives .

  • Minimum Government – Maximum Governance

The main aim of the government is not to be there and run up the bills on the money of the tax payers – but to govern! Best governance is when there is minimal government but efficient in its work. And that is a major metric by which any government should be evaluated. How many Ministers are used and what output they give for their effort?

Let us look at this metric. Modi government has 65 Ministers

Dr. Manmohan Singh’s 2nd Ministry with 80.

That’s 20% less. The work obviously has been more – which we shall see later. But here is a visual of the Minimum government and Maximum governance.

This has the obvious cost savings.

The difference of 25 ministers would immediately relieve at least 375 government officials, employed as personal staff of these ministers.

The estimated amount of money saved by each minister would be around rs one crore every year and thus 25 ministers would save Rs 25 crore every year compounding to Rs125 crore in five years. The breakdown of the annual Rs one crore saving would be more than Rs 65 lakh withdrawn as salary of 15 employees, Rs six lakh allowances minister gets from the government under different clauses. And around Rs 25 lakhs he would get as part of the salaries and other benefits. Rest of the amount for his miscellaneous expenses.

Now this is the direct benefit. There are other benefits of having a “lean, mean and flexible” bunch of ministers who make decisions! The real metric / KPI is how much work or output can a group of ministers accomplish? And that is where PM Modi’s cabinet scores very high!

  • Dissolving Committees and Planning Commission

Charles Kettering once accurately observed – “If you want to kill any idea in the world, get a committee working on it.

In UPAs time there were 9 empowered groups of ministers (EGoMs) and 21 groups of ministers (GoMs) in operation to take decisions on various matters before being presented to the Cabinet. Do you see the redundancy? Do you see the culture of shirking the work and inadequacy of the ministers to not make decisions on their own or even in groups?

Well, one big thing that Modi did was to abolish all this redundancy! He also abolished the Planning Commission – which was a vestige from the Soviet era which still was being dragged on – well, because “it was the way we did work all the time”. It was adding nothing much to the real development. As anyone with any experience in corporate Enterprise Performance Management area will tell you budgets are the legacy of a past when rationing was key. The flexibility and the focus on states was obvious.


It’s a portal where the action items for every ministry is monitored.

It is a real time, online system for monitoring of follow-up action on the decisions taken during the presentations made by different Ministries/Departments to the Prime Minister.

The follow-up actions are updated by the ministry with the action item and it is accessed by PMO/Cabinet Secretariat/Ministries and the Government Departments. Now, that is responsiveness!

  • Foreign Trips = FDI Bonanza

I know someone personally who interacts with the Finance ministry bureaucrats and the word is that there is a lot of FDI waiting to enter India but has been held back due to stalling of reforms by the opposition. And, this is despite the fact that India – per The Financial Times – has emerged as the biggest grosser of FDI in first half of 2015!

“A ranking of the top destinations for greenfield investment (measured by estimated capital expenditure) in the first half of 2015 shows India at number one, having attracted roughly $3 billion more than China and $4 billion more than the US,” the FT report said.

For context, India was ranked #15 in 2013, #9 in 2014 and #1 in 2015. The trend is clear.

The world economy has been low in the past year or so. And in that atmosphere, where China and other emerging economies are suffering, India has been getting more. It could have been much higher had it not been for stalled Parliament.

source: tradingeconomics.com

Initiatives like “Make in India” have pushed the FDI up. The “Make in India” initiative, for example, increased FDI inflow in India by 48% as per April 2015 figures.

  • Infrastructure Initiatives

Infrastructure is the key to development. If India has to develop, its infrastructure has to be enhanced and improved. Here are some excellent initiatives for that:

‘Setu Bharatam’ Program

This program will make all national highways railway level crossing free by 2019. A total of 208 rail-over bridges and rail-under bridges will be built at a cost of Rs 20,800 crores in this program. Besides 1,500 decade-old bridges will be reconstructed and revamped for Rs. 30,000 crore.

Also read: Lessons from Expose on Kargil by Gen. Shahid Aziz: How Pakistan evaluates Indians

In the latest Budget 2016-17, Rs. 19,000 crore have been earmarked under the Pradhan Mantri Gram Sadak Yojana (PMGSY), to connect all villages with roads .

  • Research on Cutting-Edge Science

Scientific fundamental research is probably the most important backbone for a great future of India. It is imperative that we build infrastructure for fundamental physics and other science research in India. This will help us build even great human infrastructure with local scientists getting to work at cutting-edge areas!

Please read – Modi Government Achievements: Moving towards an Open Defecation Free India by 2019

Gravitational Wave Research:

In February 2016, the Union Cabinet gave approval for LIGO-India project (Laser Interferometer Gravitational-wave Observatory in India) which will be piloted by Department of Atomic Energy and Department of Science and Technology (DST). This will be a state-of-the-art gravitational wave observatory in India in collaboration with the LIGO Laboratory in the U.S. run by Caltech and MIT. An eight kilometre long beam tube at ultra-high vacuum on a levelled terrain will be constructed so that fundamental research on this cutting edge technology can happen.

Restarting Cold Fusion Research:

In 1994, due to fuzzy and dishonest “scientific” pressure – the research on Cold Fusion technology was abandoned in India. This answer explains how and why the whole debate and mis-direction happened. Now the Modi Government is starting the work on Cold fusion. The decision was made by a “high-level group” including two former chairmen of the Department of Atomic Energy (DAE): Anil Kakodkar and Srikumar Banerjee.

  • Promises that were never kept – Being taken care of

For decades now, Indian public has been promised so many things which were never given. “Garibi Hatao” (and its variations) has been a great slogan only given to fool the public in every election. Even after 65 years, India didn’t have electricity in all the villages, proper roads, an efficient railways, closing on the disagreements with neighboring countries and even giving the Defense personnel their due. And that is where this government has done things which even after so many decades had only been promised but never undertaken or closed. So let’s take a stock.

  • One Rank One Pension (OROP)

Just two years after the Indian forces had won India one of the most spectacular victories in its history – the 1971 Indo-Pak war – and right after the star Field Marshal Sam Maneckshaw retired, Indira Gandhi’s government reduced armed forces pensions by 20-40 percent, while increasing civilian pension by 20 percent, without any consultation with armed forces headquarters. That, ladies and gentlemen, is how OROP issue was started! So, when Rahul Gandhi, Sonia Gandhi or other Congress leaders argue about how Modi government hasn’t done enough on OROP, it is important to lay out the genesis of the whole issue in front of them point blank. The discrimination of the Armed Forces versus the rest of the government servants is the brain-child of the Congress itself!!

On March 14, 2016, that decision – where Indira Gandhi stabbed the Armed Forces in their back after the great 1971 war – imposed by Congress in 1973 was finally corrected and the pensioners received revised pension. Over Rs 1465 crores were paid to the Armed Services personnel!

The government on Monday released revised pensionary benefits under One Rank One Pension (OROP) to over two lakh beneficiaries drawing service or disability pension. The amount along with first instalment of arrears had been released and credited by the Defence Ministry to the accounts of pensioners on March 1, 2016.

Could this have not done earlier? Of course it could have been done. But how do you expect the fox to raise the hens it is placed to look after while it feeds on them?!

  • Electrification of the Entire Nation – Rural and Urban Centers

The Modi Government has a target of bringing electricity to 18,452 villages by May 2018. It seems the way the progress is happening, it will be completed by March 2017 – over an year ahead of schedule!

India’s electricity distribution is in a complete because of the distribution and how the distribution companies work. Specifically the financials around the whole process. To tackle these issues, the Modi Government, spearheaded by the Minister of Power Piyush Goyal – introduced the Ujwal DISCOM Assurance Yojana (UDAY). It is a financial turnaround and revival package for electricity distribution companies of India (DISCOMs).

UDAY has four components:

  1. Improving operational efficiencies of discoms,
  2. Reduction of cost of power,
  3. Reduction in interest cost of discoms and
  4. Enforcing financial discipline on discoms through alignment with state finances.

The turnaround will be done with the State Governments taking over 75 percent of the Discoms’ debt as of September 30 2015. After this the State Government will pay back lenders by selling bonds. Discoms, on the other hand, are expected to issue bonds for the remaining 25 percent of their debt.

Andhra Pradesh was the first state to join the UDAY scheme. By now 11 states have joined forces with the Central Government to get the Discoms back on track. They are Andhra Pradesh, Gujarat, Chhattisgarh, Jharkhand, Rajasthan, Punjab, Haryana, Jammu & Kashmir, Himachal Pradesh, Madhya Pradesh and Uttarakhand. Interestingly, the state where the AAP Chief Minister won on promising tackling the Discom mismanagement has given ths UDAY scheme a pass – leaving the Delhi-ites in the lurch!

  • Real Estate Bill Passed

Real estate sector is largely unorganized. Buyers are at the whims and fancies of the developers – and some developers charge through the roof and keep changing the price goal post while the construction is on. The new real Estate bill will help set up state-level Real Estate Regulatory Authorities (RERAs) which will regulate transactions related to both residential and commercial projects

Some good provisions

  1. The bill mandates that builders to keep aside 70 per cent of the money received from buyers in a separate account. This amount can only be used for the project that the money has been paid to the builder. Anyone who has dealt with the developers knows that these companies keep taking money from one project to another project and play merry go round with the moneys. The result is that the dates of possession slip and penalties / charges keep changing for the buyers.
  2. The builders used to be nonchalant about the delays in the project because it didn’t hurt them much at all. They were paying only 2-3% interest in case of default / delays. On the other hand, buyers had to give out 15-18% interest for their defaults. The bill mandates builders to shell out an equal payment of interest for delayed possessions as compared to the interest it charges buyers on account of delayed payments. Now both have a level playing field. Also the time for builder to be accountable for structural defects is 5 years from the existing 2 years.
  3. Another tactic that the builders used to fool the buyers was that they promised one set of built area in the beginning but would deliver something else. Now that will be stopped. The bill disallows sale of a property on the basis of ‘super area’ which includes both flat area and common area. Violation of this norm can lead to a three-year term for the developer.
  4. Builders keep changing the original plan as it suits them for increasing profits. That will no longer be allowed. This new bill makes it compulsory for developers or builders to muster the consent of two-thirds of the buyers to bring about any changes to the original plan.
  5. For builders, it provides them the assurance of better payment by the buyers. The bill also imposes penalty on allottee for not paying dues on time. And the builder will have the opportunity to approach the regulator in case there is any issue with the buyer.

It is said that this bill will bring the home prices down as well.

  • Rejig of Air Defense System to save Rs 49,300 crores

Sometimes looking at things afresh and making sure that we have what we need, gives us a whole new way to save. And, that is exactly what the Minister of Defense Manohar Parrikar did. He got the 15 year old plan reviewed and it resulted in a savings of almost 50,000 crores INR. Here are some of the points on this.

  1. The recently concluded review, which involved a technical study by the air force and an evaluation of all available air defence systems in the world, has resulted in a consensus decision to cut down on purchase plans of shorter range missiles, senior officials have told ET.
  2. Air defence strategy hinges around three layers – a short range system that protects high value installations upto 25 km, a medium range system that covers an area of around 40 km and a long range system for threats coming from further.
  3. Sources told ET that the revaluation conducted by the air force concluded that with the S400 acquisition, the long term acquisition plan for over 100 each Medium and Short range systems have been cut down.
  4. “The study found that we will require a much much lesser number of the shorter range systems. Minister Parrikar convinced the air force that according to its layered defence plan, the long range system (S 400) would make the larger number of MR SAM and SR SAM redundant,”
  5. The S 400 is expected to cost $ 6.1 billion for five systems – the most expensive air defence system ever bought by India. But, on a per square km covered basis, if is the cheapest of known systems available globally.

Common sense steps to make sure programs and actions aren’t just useful but also cost effective are important. And this government has ministers who can use a bit of common sense.

  • Operation Smile: Saving Missing Kids

Missing kids – due to so many factors – end up in hellish situations. Most commonly either into prostitution or into bonded labor. Minister of Home, Rajnath Singh started a program that rescued kids who had gone missing and reuniting them with their families. As of September 2015, over 19,000 children had been rescued!

Nineteen thousand boys and girls rescued by a special initiative of the Union home ministry have similar stories: From being pushed into prostitution and bonded labor to ill-treatment by parents. Codenamed ‘Operation Smile,’ the drive pioneered by home minister Rajnath Singh has seen different state police and women and child departments step up efforts to rescue missing children, with Haryana and Maharashtra taking the lead.

That’s 19,000 reasons to feel good about a government that has compassion and empathy with the poor and disadvantaged.

  • The New Generation Reforms for Railways by Suresh Prabhu

Smart Management:

One of the best leadership things that Suresh Prabhu did was to change the way tenders were decided upon. Now, all tenders of non-central nature or dealing with one zone, the General Manager will be the main accepting authority. For tenders above Rs 500 crores, the authority will be a member of the Railway Board. Minister has been taken out of the whole equation itself.

Financing from Life Insurance Corporation:

In a very interesting decision, Suresh Prabhu signed an Memorandum of Understanding (MoU) with the Life Insurance Corporation, railways will get a financing of Rs1.5 lakh crore over a period of five years to finance infrastructure works.

Launched e-catering service:

Via the Indian Railways Catering & Tourism Corporation (IRCTC), Indian railways is now offering an e-catering service. While in the train, a traveler can place an order for a meal just by making a phone call or sending an SMS. Here is link of e-catering website.

Security via Helplines:

There are two helpline numbers now in Indian railways. “138” for medical emergency, cleanliness, food & catering, coach maintenance, linen etc. ‘182’ for any untoward or abuse issues. These will be printed on the railway tickets so they are handy.

Smart services:

Many smart services have been introduced to help the passengers. Go-India Smart Card has been launched on two sectors: New Delhi to Mumbai and New Delhi to Howrah, where the card allows the passengers to pay for reserved and unreserved seats. This will reduce the transaction time and also help reduce the corruption of the Ticket Checker (“TT” in local parlance). Another initiative is the new e-Ticketing system which can now book 3.5 times more tickets per minute (which means 7200 tickets a minute) and helps take care of 200,000 enquiries. For enhanced security of women, there is a Mobile Security app for women. It will be implemented in a phased manner throughout the railway sectors.

Yatri Ticket Sewa Kendra (YTSK) Scheme:

Under this scheme, agents of Indian railways will operate terminals at multiple locations in major towns and cities to issue reserved and unreserved tickets.

R.O. Drinking Water at Stations:

RO drinking water will be provided at selection stations now – these are Madurai, Gadag, Tirupati, Guwahati Dwarka, H.Nizamuddin, Patna & Bhopal.

Railways at Twitter Speed:

Not just the Foreign affairs, but even the Indian Railways runs at Twitter speed now. For example, here is an important tweet for the benefit of the public.

  • Breath-taking work by External Affairs Ministry

Indian ministries could hardly even work at snail’s pace earlier. It was almost as if nothing worked. Now, the External Affairs ministry works even based on a tweet! A simple request or appeal to the minister Smt. Sushma Swaraj leads to action around the world. The entire machinery is activated and the people who are Indian citizens are taken care of immediately! This minister works are Twitter’s pace. This tweet says it all.

In case of emergency and #SOS situation, pl do use the hashtag #SOS. pic.twitter.com/rGlAVCFdei

— Sushma Swaraj (@SushmaSwaraj) March 15, 2016

Smt Sushma Swaraj and Gen VK Singh have created a kick-ass team to do things which no other team in history has been able to do in External Affairs area in India.

4. My colleague General V.K.Singh helps Indians in distress abroad. He monitors @MEAQuery personally.

— Sushma Swaraj (@SushmaSwaraj) March 14, 2016

Tweets aren’t the only way to get help. A special portal has been created for the Indian Embassies to take action on issues concerning Indian citizens.

1. Please register your grievances with the ‘Madad’ portal. Our embassies directly look in to your complaints.

— Sushma Swaraj (@SushmaSwaraj) March 14, 2016

AAP MP Bhagwant Mann said in the budget session in March 2016:

Recently, 13 people of my constituency were made slaves in Saudi Arabia. I went to meet external affairs ministry officials who acted immediately. As a result, all these people and eight others were saved and finally returned safely,”

But the best compliment was given by his colleague from AAP, Dharamveer Gandhi.

“I will not ask any question. I have stood up only to thank the minister. We always get her help whenever needed. She has done a lot for the people of Punjab,” Mr Gandhi said.

She has been praised across party lines.

Here are some of the actions that anyone will be proud of.

I have asked for a report from our Embassy in China. pic.twitter.com/YPyawnLHk5https:…

— Sushma Swaraj (@SushmaSwaraj) March 18, 2016

We have checked it all – hospitals in Jeddah/Najran in Saudi Arabia and even village Sanauli, Una (HP). No such person there.@rkheavylifter

— Sushma Swaraj (@SushmaSwaraj) March 16, 2016

Please write name of the medicine. I will check if it is available in U.S. ?pic.twitter.com/IN6ryciaYuhttps:…

— Sushma Swaraj (@SushmaSwaraj) March 14, 2016

In one case, in a merchant ship which caught fire, two Indian citizens died. One had over 70% burns and the other didn’t. On inquiry from the brother of one, Sushma Swaraj personally looked into the matter and came back with updates. This is just mind-boggling in speed, compassion and the effectiveness of the government!

This is besides the Iraq evacuation where 168 Indians were rescued.

168 Indians Rescued from Iraq:

And the crisis in Yemen, which needed a massive evacuation effort across various nations. That didn’t stop her. Or her colleague General VK Singh – who was on the ground to make it happen and left in the very end from the danger zone!

Massive Yemen Evacuation:

This was the response of the countries whose citizens India evacuated along with its own! Jon Williams is Foreign Editor ABC news and Michael Steiner is the German Ambassador.

US spends 10 times as much on its military as India does – but tells Americans in #Yemen to call the Indians if they want a lift out!

— Jon Williams (@WilliamsJon) April 6, 2015

India helped evacuate also Germans out of Yemen. Thank you India! @narendramodi @MEAIndia@SushmaSwaraj

— Michael Steiner (@Amb_MSteiner) April 7, 2015

  • Foreign equity in rail infrastructure allowed, without limit
  • Foreign equity cap in defence raised to 49 per cent; 74 per cent in case of technology transfer
  • Fast-tracking of defence purchases: 36 Rafale fighters being bought, orders for several long-pending purchases placed
  • Foreign equity cap in insurance and pension sectors increased to 49 per cent
  • Nod for IPOs/FPOs by banks to raise funds, as long as government equity remains 52 per cent or over
  • Successful conclusion of two rounds of coal block auctions, more lined up
  • Impasse in mining sector ended with passage of new bill for regulation and development
  • Successful conclusion of auctions for telecom spectrum for mobile telephony and broadband
  • Mudra bank launched with Rs 20,000 crore corpus to extend loans of between Rs 50,000 and Rs 10 lakh to small entrepreneurs
  • Commencement of divestment programme in public sector companies
  • Warehouse Infrastructure Fund with Rs 5,000 crore corpus to increase shelf-life of farm produce (replace if possible)
  • Clarity in tax treatment on income of foreign fund whose fund managers are located in India , as also on transfer pricing for resident and non-resident taxpayers
  • Panel set up under law commission chairman on issue of minimum alternate tax


  • Masood Azhar

India’s efforts to add the name of Masood Azhar, the chief of JeM, in the UN list of proscribed terrorists >failed as China raised objections to it. This is a major setback to India as Azhar is believed to be behind the Pathankot attack.

  • India-Nepal relations

Anti-India protests flared up in Nepal after trade movements through the border were not allowed for many days. Nepal called it >’India’s blockade’ as it followed protests by Madhesis. All of these happened within a year of the Himalayan quake, when Nepal thanked India’s help in rescue and rehabilitation. Also, India couldn’t keep away Nepal from moving closer to China.

  • Women’s Bill

The >bill seeking one-third representation for women in Parliament and State Assemblies is an almost-forgotten topic now. Cleared in Rajya Sabha in 2010, the Bill is pending in the lower House, in which the BJP front enjoys comfortable majority.

===============WAIT AND WATCH=====================

  • Smart City plans

It is impossible to create a city, that too a ‘smart’ one in two years. But the BJP government has kickstarted the process by short listing 20 cities in the first phase. Mr. Jaitley’s >maiden budget allocated 7,060 crore for the development of 100 smart cities.

  • EPFO reforms

The government introduced >universal access number (UAN) to all EPF holders to make transfer of PF accounts easy when switching jobs. The good name earned from the working class soon vanished when the Finance Minister proposed tax at premature withdrawal of provident fund. It was rollbacked after protest by garment workers crippled Bengaluru.

  • Aadhaar

The government saved Aadhaar from turning to a white elephant by >passing the Aadhaar Bill. However, questions remain on why was it made a money bill, would the constitution be amended to give more teeth to Aadhaar, or would the UIDAI compromise on privacy. The Centre’s Digital India and host of welfare measures rely on Aadhaar. Will Aadhaar be just another card or will it truly make a change should be watched.

  • Ganga rejuvenation

The Modi government created a separate ministry headed by Uma Bharti to clean the river and protect it’s ecosystem. The Namami Gange project with a budget of Rs. 20,000 crores over a period of five years has been cleared. Ms. Bharti >claims Ganga will be cleaned by 2018. The deadline appears tight but nonetheless, the clamour for a cleaner river has gained momentum.

  • Bullet train

Imagine travelling to Mumbai from Ahmedabad within two hours? That’s what a bullet train would do if the >deal with Japan is implemented. China has expressed interest in developing the Chennai-Delhi bullet train corridor. But a single bullet train corridor requiring about Rs. 98,000 crores questions the viability of the project.

  • Welfare Schemes

A slew of insurance schemes namely crop insurance for farmers, Atal Pension Yojana for the unorganised sector, affordable health insurance coverage, and the Jan Aushadhi Yojana for retail sales of generic drugs were introduced in the last two years.. In addition, the government has re-launched Kisan Vikas Patra and introduced a PPF-equivalent for girl child, the Sukanya Samriddhi Scheme. Again, in country known from socialist welfare schemes, the onus of welfare shifting from government to individual is an ideological change and may take time for acceptance.

These were the only few main one which I mentioned and there are many apart from aforementioned.