1. 1 The Licence to Say No. The Courage to Believe. Fiji Institute of Accountants Forty-Third Annual Congress May 15, 2015 Dr. Duvvuri Subbarao 1

2. 2 The Licence to Say No. The Courage to Believe. Mahatma Gandhi Nelson Mandela Abraham Lincoln Martin Luther King Jr. Malala Yousafzai 2

3. 3 The Licence to Say No. The Courage to Believe. Millions of Unknown and Unsung Leaders Around the World 3

4. 4 The Licence to Say No. The Courage to Believe. Managing the Global Financial Crisis 4

5. 5 The Licence to Say No. The Courage to Believe. Fighting Inflation 5

6. 6 The Licence to Say No. The Courage to Believe. Keep Your Ear Close to the Ground. Managing Financial Inclusion 6

7. 7 The Licence to Say No. The Courage to Believe. Do We Understand Poverty? 7

8. 8 Mahatma Gandhi and Steve Jobs Two Leaders Who Had the Courage to Believe and Used the Licence to Say No. 8