Amidst the rising pile of non-performing assets in government owned banks, willful defaulters were said to be responsible for around 77,000 crore of bad debts by last July, but the Kingfisher baron has emerged as the poster boy of the problem. Therefore the flurry of action on his bad loans, however belated, could help counter perceptions of a ____approach towards the well-heeled. Breaking the banker borrower nexus is just as critical for _______public money as is acting against corrupt administrators, but a timely and transparent system is needed to _______that bankers don’t turn wary of extending credit at the slightest hint of risk.