By Sanjay Prabhakaran

Scripted by Sanjay P Chettiar

Agni Mantra

Agni Mantra

Tuesday, September 29, 2026

Sarvatobhadra chakra - Pt. Sanjay Rath NYC conference 200x

 

Sarva means all, and bhadra means auspicious, thus it is the most auspicious chakra which takes all into account. Beneficence of this particular chakra is seen from many points. This is the primary chakra which takes into account 28 nakshatras (including Abhijit nakshatra). In four squares which form a perfect pyramid, an astrologer (besides nakshatras) can see all consonants, rashis, tithis, and days.

Thus, the right interpretation of janma nakshatra, day, tithi, and other points will benefit the astrologer in various aspects of this divine knowledge. It is one of the best tools for judging effects of graha gochara, but it is also very useful in judging natal chart positions and in muhurta charts. It is believed that the use of the Sarvatobhadra chakra in muhurta grants success!

(Reference: Sarvatobadra chakra by Sanjay Rath.)


The Concept of Vedha

The main tool for judging the results in this chakra is called Vedha. Vedha means piercing, pious, etc., and it refers to the ability of a graha (planet) which causes vedha to put some field of life under its influence. This also means that vedha has good and bad aspects which depend on whether it is caused by a malefic or a benefic planet. This raises the first main principle in this chakra:

  • a) Soumya graha causes favourable vedha.
  • b) Krura graha causes unfavourable vedha.
  • c) Motion of a planet is very important: a retrograde benefic is three times stronger as a benefic than in direct motion, whilst a retrograde malefic is extremely unfavourable.
  • d) Beneficence/bad effects are in correlation with the basic karakatvas of planets (e.g., Sun causes ego problems, misunderstandings; Mars causes fights, loss of wealth; Rahu and Ketu cause all kinds of troubles and accidents, etc.).

Four Types of Vedha:

  1. Hind vedha: Upper diagonal vedha, considered specially important (strong) when caused by a retrograde planet.
  2. Across vedha: Horizontal vedha, considered specially important when a planet is in stationary motion.
  3. Fore vedha: Lower diagonal vedha, considered specially important in the case of a planet in direct motion.
  4. Corner vedha: Formed when a planet is placed in the last pada of the last nakshatra in a line (i.e., Bharani, Asresha, Vishakha, and Shravana) and in the first pada of the starting nakshatra in a new line (Krittika, Magha, Anuradha, and Dhanishta).

Using the Sarvatobhadra Chakra

In the sarvatobhadra chakra, the focus is on sensitive points, which can affect the native in an auspicious or inauspicious manner. These sensitive points and their meanings are:

  1. Janma nakshatra: Refers to the quality of thought and good judgment/confusion and worries in the case of krura vedha.
  2. Janma tithi: Refers to relationships; under malefic vedha, it brings problems in relationships, quarrels, and fights.
  3. Janma rashi: Refers to happenings in the area which is seen from the bhava where janma rashi is placed; under malefic vedha, it shows problems in that area and vice versa.
  4. Consonants: Janma consonant shows the state of the physical body; under malefic vedha, it brings losses and bad reputation.
  5. Vowels: Refer to living prana which connects everything, hence health matters. Under malefic vedha, it brings diseases and bad health.

Case Study 1: Female - Suicide Case

Female born on March 14th, 1955 at 2:00 PM IST at Lat: 15° E 51' & Long: 44° N 18'.

Sensitive Point Nakshatra / Sign Transit Vedha
Janma Nakshatra Anuradha Rahu, Mars, and Mercury
Janma Tithi Shashti Moon, Saturn, Mars, Mercury
Janma Rashi Vrischika (Scorpio) Sun
Consonant Ja Mars, Mercury, Saturn
Vowel — —

Principle: If all given parameters are under krura vedha, death can be predicted. Effects could be graded in correlation with the auspiciousness or inauspiciousness of the transit vedha.

In the given example, we can see that Janma nakshatra is badly afflicted by Rahu (placed in the nakshatra), Mars, and Mercury (malefic due to conjunction with Mars, and retrograde, making it a three times stronger malefic). Janma tithi has malefic vedha from three malefics (Mars, Mercury, Saturn) and one benefic (Moon). Janma rashi receives krura vedha from the Sun and is placed in the 5th bhava (showing intelligence issues). The consonant receives krura vedha from Mars, Mercury, and Saturn. Four of five sensitive points are under strong malefic influence, which resulted in suicide.


Case Study 2: Adolf Hitler

Born on 20th April 1889 at 6:30 PM IST at Lat: 13° E 03' & Long: 48° N 15'.

Sensitive Point Nakshatra / Sign Transit Vedha
Janma Nakshatra Poorvashada Ketu, Mars, Saturn, Rahu
Janma Tithi Shashti Ketu, Saturn, Rahu, Mercury, Venus
Janma Rashi Dhanu (Sagittarius) Ketu, Saturn, Rahu, Moon, Jupiter
Consonant A Sun, Mercury, Venus
Vowel — —

Analysis: Janma Nakshatra is badly afflicted by all malefics (Ketu joined, while Rahu, Mars, and Saturn give vedha), showing a state of confusion and wrong decisions. Janma tithi has Saturn, Rahu, and Ketu as krura vedhas and Mercury as benefic vedha. Sagittarius receives vedha from Ketu, Rahu, and Saturn. All malefic influences are centered around the Janma nakshatra, showing mental state, death, and the historical fall of Germany.


Case Study 3: Milosevic's Fall

Born on 20th August 1941 at 10:00 PM IST at Lat: 21° E 12' & Long: 44° N 38'.

Sensitive Point Nakshatra / Sign Transit Vedha
Janma Nakshatra Pushya Mars
Janma Tithi Chaturdashi Sun
Janma Rashi Karka (Cancer) Mars and Rahu
Consonant S Moon, Ketu, and Saturn (retrograde)
Vowel — —

Analysis: On the day of Milosevic's fall, the sarvatobhadra chakra shows very inauspicious transits. While the first two cases ended in death, this case ended with loss of power, position, and reputation. The most afflicted point is the consonant related to name and fame. Janma rashi is also under krura vedha from Mars and Rahu, proving the loss of support.


Other Uses

There are four types of boxes in the sarvatobhadra chakra: nakshatra, consonant, sign, and tithi. Each carries its own energy and significance.

  • Nakshatras: Apart from Janma nakshatra, other constellations cover different segments of life (e.g., 10th nakshatra from Janma nakshatra is Karma nakshatra related to profession; 18th is Samudayaka related to spouse's prosperity).
  • Consonants: Malefic influences on our name show changes in reputation, especially prominent for presidents and public figures.
  • Signs (Rashis): The Lagna sign is the most important; the nature of vedha on it shows how our intelligence (dhi) works.
  • Tithis: Five groups of tithis (Nanda, Bhadra, Jaya, Rikta, Purna) have a major role in choosing the right muhurta chart.

Monday, August 31, 2026

grahakaala chara and graha dik chara, ashtadala padma

| Direction & Orientation | Dik (Deity) | Weapon | Tithi | Rasi (Zodiac) | Animal | Yoni | Vishnu Rupa |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| **Top (East / E)** | Indra | Vajra | Pratipada, Navami | Mesha, Vrishabha | Garuda (Eagle) | Dhvaja (Flag) | Achyuta |
| **Top-Right (South-East / SE)** | Agni | Shakti | Tritiya, Ekadasi | Kanya | Cat | Dhuma (Smoke) | Keshava |
| **Right (South / S)** | Yama | Danda | Panchami, Trayodasi | Karkata, Simha | Lion | Hari (Lion) | Vishnu |
| **Bottom-Right (South-West / SW)** | Nirriti | Khadaga | Chaturthi, Dvadasi | Dhanu | Dog | Svana (Dog) | Hari |
| **Bottom (West / W)** | Varuna | Pasha | Shasti, Chaturdasi | Tula, Vrischika | Sarpa (Snake) | Vrishabha (Bull) | Satya |
| **Bottom-Left (North-West / NW)** | Vayu | Ankush | Saptami, Purnima | Meena | Mouse | Khara (Donkey) | Janardana |
| **Left (North / N)** | Kubera | Gada | Dvitiya, Dasami | Makara, Kumbha | Elephant | Matanga (Elephant) | Hamsa |
| **Top-Left (North-East / NE)** | Ishana | Shoola | Ashtami, Amavasya | Mithuna | Hare | Vayasa (Crow) | Narayana |

Monday, May 18, 2026

Kerala CM VD Satheesan Cong Oath Taking.jhd

 

Kerala CM Oath Taking Chart

 note 
1)  Rohini Nakshatra is sthira nakshatra good for taking vote. 
2) There Kaala AMrita yoga, where all graha is under Ketus rule,
3) Saturn and Jupiter has done kaaraka parivartana...
4) MArs in 10th is good.
‌
Ketu will control all the grahas, I think is good to keep the govt. in check

 Spiritual People are requested to  worship Ganesha.

Friday, May 08, 2026

Eclipse of 2031 May 21 and major political changes in tamilnadu

 Jaya Jagannatha

 

https://www.timeanddate.com/eclipse/solar/2031-may-21

Eclipse Stages WorldwideUTC TimeLocal Time in Chennai*
First location to see the partial eclipse begin21 May, 04:14:1421 May, 09:44:14
First location to see the full eclipse begin21 May, 05:18:4221 May, 10:48:42
Maximum Eclipse21 May, 07:14:5721 May, 12:44:57
Last location to see the full eclipse end21 May, 09:11:0921 May, 14:41:09
Last location to see the partial eclipse end21 May, 10:15:4021 May, 15:45:40

 

Lunar Yr-Mo:   Virodha-krit - Vaisakha
Tithi:         Amavasya (Ra) (7.76% left)
Vedic Weekday: Wednesday (Bu)
Nakshatra:     Krittika (Sy) (39.10% left)
Yoga:          Atiganda (Ch) (71.21% left)
Karana:        Naga (Sa) (15.53% left)
Hora Lord:     Surya (5 min sign: Kanya)

The 60 sixty year samvatsara cycle started in Prabhava 1987 had an eclipse. Indicating that there will be many changes in ruling powers during this era till 2047. 

So all eclipses in this era is more significant. Tamilnadu and southern India will also have an eclipse in 2031 which is radically change the  political landscape of southern India. Eclipse vaara lord in 10th, and Eclipse is conjoined saturn, so Saturn governed rulers will loose power by that time.

 

Friday, April 10, 2026

D11 Rudramsa Notes

Rudramsa
Rudramsa is primarily is used for nations and kings for judging military power. 
  • The Rudramsa (D-11 chart) is examined to see military activities, strife and general unrest and 
  • the mandooka dasa gives the timing of such incidents. Whichever house the frog (mandooka) shall leap into, in such a region there shall be strife and problems. 
Rudramsa is used in conjunction with Mandooka dasa. The progress of mandooka is like progress of Rahu where the destruction will be present.
 
Mandooka Dasa of Lagna, 8th and 10th is Bad for Jataka
  • the lagna, eighth(debts,disease) and tenth house indicates of Brahma or longevity.
  • In Mandooka Dasa of the lagna, eighth and 10th house is not good for the nation, it shows defeat in wars or losses due to the same causing crippling damage to progress and peace.
  • Signs aspecting these houses will not be favourable to native
Mandooka Dasa of 6,11,3 is Good for Jataka
  • Note that while the mandooka in houses 1, 8 & 10 is bad for the nation, the same in houses 6, 11 & 3 is bad for the enemy. 
  • Signs aspecting these houses tend to disfavor them when having the mandooka. i.e it will favour the native. 

Special Notes:

 Jaimini teaches that the real obstruction to the evil one shall come from the compassionate sign Cancer (the seat of Siva, worshipped on Mondays).  

Source:

Sunday, March 08, 2026

2026 Iran-USA-Isreal War Operation Epic Fury

Muhurtha and Chart for

 Name: 2026 Epic Fury by the US.jhd
 DateTime dd/mm/yyyy: 27/2/2026 15:38:00
 Timezone: -6.00000
 Latitude, Longitude: 27.480167,-97.237667

Sa7.37   Mo29.55, JuR21.07 
Su15.08, Ma3.65, MeR28.13, Ve27.62, Ra14.88 Venus-Friday,Punarvasu-Ju,Shukla Dwadasi 12-Me,Bhava-Su,Saubhagya-सौभाग्य-(Ve)Lg - 9.04 
 Ke14.88 
    
Ma  Mo, Sa  
Ju DwadasamsaRa 
Me, Ve, Ke Su 
  Lg -   

Based on the below given dasa, War can extend till  2026-Apr-26

Five graha koota, Mars, Rahu,Surya, Shukra and Budha is in 8th bhaava of much destruction. 

Vimsottari Dasa: Since moon is in 12th Bhaava Aadhana dasa from Punarvasu is being tried here. 

 Maha Dasas:

 Mang:  2026-02-12  -  2026-03-05
 Rah:  2026-03-05  -  2026-04-29

 Guru:  2026-04-29  -  2026-06-18
 Sani:  2026-06-18  -  2026-08-16
 Budh:  2026-08-16  -  2026-10-08
 Ket:  2026-10-08  -  2026-10-29
 Sukr:  2026-10-29  -  2026-12-27
 Sury:  2026-12-27  -  2027-01-14
 Chan:  2027-01-14  -  2027-02-12

 

Source of Time 

On 27 February, at 3:38 p.m. EST (11:08 p.m. IRST), Donald Trump, traveling on Air Force One to Corpus Christi, Texas, gave the order to proceed with Operation Epic Fury.[148][141] US missiles, drones, and Israeli fighter jets began striking Iran on 28 February at around 9:45 a.m. IRST (1:15 a.m. EST).[149][150] The operation was codenamed Operation Roaring Lion[k] by Israel.[151]

 

 

 

 

 

 

 

 

 

 

 

Wednesday, March 04, 2026

Parābhava(पराभव) Samvatsara

 Parābhava(पराभव) Samvatsara 

Jaya Jagannatha, Hara Hara Mahadeva , Shree Rama Jayam

The Paraabhava Samvatsara is from  19th March to 2026 till 7th April 2027,

 Parabhava (Sanskrit: पराभव) primarily means defeat, overthrow, humiliation, or ruin. It signifies a sudden loss of power, position, or reputation, often representing an unsuccessful struggle, downfall, or contempt. In some contexts, it refers to the 40th year in the 60-year Hindu cycle 

It is the of Year/Samavatsara of Defeated People. OR the Year of Oppressed People, 

The  Raja (King) of the year is Jupiter, A dharmic brahaman,  he is well positioned in kendra as supporter.  This samvatsara can be better than previous Raja Saturn. The people will be ruled by a benevolent Jupiter.


The usa will have Raja mercury in 5th with war lords mars and rahu. USA will have Guru in 9th being 6th lord, USA will be checked by Supreme Court.

 Shukracharya/Venus is uccha staana (high morals) influencing the activities of the people. being 8th lord and 3rd lord he will not hesitate to punish.

There may be more peace than last samvatsara, 

Rahu and Mars in 12th house, There may be many attempts for terrorism, but it will be contained due to aspect of Raja Guru. For USA its on 5th house, it will continue to show much aggression. but fortunes may increase.

11th Lord in lagna, the incomes will improve for people , Though saturn is not happy in lagna. 

 

World Lagna is Meena, USA Lagna is Tula. 

+-----------------------------------------------+
|Lg   Sy    |GL   Gk    |Md         |Gu   AL    |
|Ch   Sk    |           |           |           |
|Sa   HL    |           |           |           |
|           |           |           |           |
|           |           |           |           |
|-----------+-----------------------+-----------|
|Ma   BuR   |                       |           |
|Ra         |                       |           |
|           |                       |           |
|           |                       |           |
|           |                       |           |
|-----------|         Rasi          |-----------|
|           |                       |Ke         |
|           |                       |           |
|           |                       |           |
|           |                       |           |
|           |                       |           |
|-----------+-----------------------+-----------|
|           |           |           |           |
|           |           |           |           |
|           |           |           |           |
|           |           |           |           |
|           |           |           |           |
+-----------------------------------------------+
 
                      Rasi                       
+-----------------------------------------------+
| \     Gk            /   \     BuR  Ra       / |
|   \      GL       /       \      Ma       /   |
|     \           /           \           /     |
|       \       /      Sy       \       /       |
|         \   /        HL         \   /         |
|Md         x    Sk    Lg    Sa     x           |
|         /   \                   /   \         |
|       /       \      Ch       /       \       |
|     /           \           /           \     |
|   /      AL       \   12  /               \   |
| /                   \   /                   \ |
|          Gu           x                       |
| \                   /   \                   / |
|   \               /       \               /   |
|     \           /           \           /     |
|       \       /               \       /       |
|         \   /                   \   /         |
|           x                       x           |
|         /   \                   /   \         |
|       /       \               /       \       |
|     /           \           /           \     |
|   /      Ke       \       /               \   |
| /                   \   /                   \ |
+-----------------------------------------------+
 
+-----------------------------------------------+
| \             |               |     Sk      / |
|   \           |  GL     Gk    | Sy   Ch   /   |
|     \         |               |Sa   HL  /     |
| Gu    \  Md   |               | Lg    /  Ma   |
|         \     |               |     /         |
| AL        \   |               |   / Ra   BuR  |
|             \ |               | /             |
|---------------+---------------+---------------|
|               |               |               |
|               |               |               |
|               |               |               |
|               |     Rasi      |               |
|               |               |               |
|               |               |               |
|               |               |               |
|---------------+---------------+---------------|
|             / |               | \             |
|           /   |               |   \           |
|         /     |               |     \         |
| Ke    /       |               |       \       |
|     /         |               |         \     |
|   /           |               |           \   |
| /             |               |             \ |
+---------------+---------------+---------------+

 

The Months in this year.

Sama Narayana Dasa of D-10 (Trd) chart (a versatile phalita rasi dasa):

 Maha Dasas:

 Dhanu:  2027-04-07  -  2027-05-08
 Mesh:  2027-05-08  -  2027-06-09
 Simh:  2027-06-09  -  2027-07-11
 Kanya:  2027-07-11  -  2027-08-12
 Makar:  2027-08-12  -  2027-09-13
 Vrish:  2027-09-13  -  2027-10-15
 Mith:  2027-10-15  -  2027-11-16
 Tula:  2027-11-16  -  2027-12-18
 Kumbh:  2027-12-18  -  2028-01-19
 Meen:  2028-01-19  -  2028-02-20
 Kark:  2028-02-20  -  2028-03-23
 Vrisch:  2028-03-23  -  2028-04-25


Vimsottari Dasa:

 Maha Dasas:

 Sani:  2026-03-15  -  2026-05-14
 Budh:  2026-05-14  -  2026-07-08
 Ket:  2026-07-08  -  2026-07-30
 Sukr:  2026-07-30  -  2026-10-02
 Sury:  2026-10-02  -  2026-10-21
 Chan:  2026-10-21  -  2026-11-22
 Mang:  2026-11-22  -  2026-12-15
 Rah:  2026-12-15  -  2027-02-10
 Guru:  2027-02-10  -  2027-04-02 


Thursday, February 19, 2026

Example of my answer paper to Pt. Sanjay Rath tests

  

Determine the Ista Devata in the following charts: Male born 7 Aug, 1963 at 9:15' PM IST at Sambalpur India. What remedy would you recommend for the native to reduce the suffering and obstacles in life? [28 Sept 2001]



Date of birth : 7.8.1963

Time of birth : 21-15 IST

Place of birth : Sambalpur

Latitude : 021-27 N

Longitude : 083-58 E

Day of birth : Wednesday

Tithi : 17.41 Tithi Name : Tritiya

Nakshatra : 24.00 4 Pada Nakhashatra Name : Satabhisaj

Yoga : 5.33 Yoga Name : Atiganda

Rasi : 10.67 Rasi Name : Kumbha

-------------------------------------------------------------

Planet Longitude Rasi Nakshatraname Pada Direct/ret

-------------------------------------------------------------

Sun 111.08 4 Aslesha 2 Dir

Merc 133.39 5 Purvaphal 1 Dir

Venu 104.93 4 Pushya 4 Dir

Mars 163.68 6 Hastha 2 Dir

Jupt 356.15 12 Revati 3 Dir

Satn 296.82 10 Dhanistha 2 Ret

Moon 319.98 11 Satabhisaj 4 Dir

Rahu 85.76 3 Punarvasu 2 Ret

Ketu 265.76 9 Purvasada 4 Ret

Dear guruji I have taken this as your chart and analysed accordingly.Please forgive if any dishonour done during analysis.


Saturn is the AK and it's in Virgo navamsa. Merc is in the 12th from Virgo in Navamsa. Merc is in 2nd drekkana in the rasi chart hence the Ista devata indicated is Shrii Krishna. So the native has to pray to Shrii Krisha for directions in life.

Navamsa lagna is in the 3rd from AK. The native 'shall be brave, successful in war and capable of executing any task'.

Ishta devata mercury is Gnati Karaka hence the native's enemies and competitors would lead the him to god. and also Mercury is the badakesh in the Rasi chart placed in 6th house. Shashta-arudha A6 is in Ge with exalted Rahu. So the competitors may be demonical/Research oriented?. The natives Rasi chart has Jupiter in Lagna so the native is satwic and would preach jupiterian wisdom.


Since AK Saturn is retrograde it indicates a deep rooted desire for this birth. Saturn is 11th lord and AK in own house Which forms a very good yoga for Jyotish knowledge so this desire could be a cause for rebirth this should also be satisfied to satisfy atma's objective. Retrograde Saturn is having Cheshta on to Cancer which would be a Simhasana leading to a Raja Yoga. So the Yoga would be to establish jyotish in a jupiterian form i.e in the traditions of Rishis and God. (Jupiter in lagna=devanaamcha rishiinamcha guru)


Also In Navamsa Mercury is the 8th and 11th lord placed in 10th house Karma bhava. The AK is in 11th indicating Jyotish debts and extablishment of jyotish tradition.


For AK in 11 from Navamsa to lead to raja yoga Mars should be strong. So strengthening mars also could lead to achivement of AK's deisres. Mars can be strengthened by Ahimsa,Vegeterian food and using Logic as a tool to fight enmity. Ishta devata Mercury as Buddha avatar also indicates ahimsa.


Since Ishta devata Mercury is also the badhakesh placed in 6th house Leo(natural 5th house) in the Rasi chart, Praying Ganesha as lambhodara and Vikata may help in removing the obstacles in the progress?.


-------------------------------OM TAT SAT-----------------------------------


Wednesday, February 04, 2026

Notes on 10th Bhaava and D10 Lg,2,6,10

Shree Gurave Namah  

+-----------------------------------------------+
|           |Ch         |Gu   AL    |           |
|           |           |           |           |
|           |           |           |           |
|           |           |           |           |
|           |           |           |           |
|-----------+-----------------------+-----------|
|           |                       |Ma   Sk    |
|           |                       |Ke         |
|           |                       |           |
|           |                       |           |
|           |                       |           |
|-----------|         Rasi          |-----------|
|Ra   Md    |                       |Lg   Sy    |
|           |                       |Bu   HL    |
|           |                       |           |
|           |                       |           |
|           |                       |           |
|-----------+-----------------------+-----------|
|Gk         |           |Sa         |GL         |
|           |           |           |           |
|           |           |           |           |
|           |           |           |           |
|           |           |           |           |
+-----------------------------------------------+
 
+-----------------------------------------------+
|Md         |           |Sk   Ke    |AL         |
|           |           |HL         |           |
|           |           |           |           |
|           |           |           |           |
|           |           |           |           |
|-----------+-----------------------+-----------|
|Lg         |                       |           |
|           |                       |           |
|           |                       |           |
|           |                       |           |
|           |        Dasamsa        |           |
|-----------|                       |-----------|
|           |      D-10 (Trd)       |Gk         |
|           |                       |           |
|           |                       |           |
|           |                       |           |
|           |                       |           |
|-----------+-----------------------+-----------|
|Sy   Ch    |Ma   Ra    |Gu   Sa    |Bu         |
|GL         |           |           |           |
|           |           |           |           |
|           |           |           |           |
|           |           |           |           |
+-----------------------------------------------+
 

 
10th House in From Sun, Moon, Lagna can indicate your profession.

Find strongest of All.

In this chart Sun and Lagna strongest with Jupiter in 10th. Indicating Jupiter related professions..

Find the Lagna in D10. This is the Place where the individual will go to work. 

In D10 We have Kumbha Lagna, It's trines indicates nature(Trine) of Job, We have Saturn Exalted with Jupiter in 9th. Again Jupiter is in picture.

After you go to Work i.e in D10, 2,6,10 will be the kind of work assigned to you.

We have here Karka, Vrchika MArs and Rahu, Meena 2nd, house.

Strongest in MArs Rahu, So his office will mostly give him MArs RAhu related work..

The person in this case goes to Bank (Jupiter) in Loans Department (Mars) Rahu gave him assignments to correction of bad Loans.