Essay Test – May 6, 2017



Instructions:  Write an essay on any one of the following in about 1000-1200 words.
Time : 90 minutes

Marks : 125


1. Electoral bonds: Transparency in Electoral Funding.

इलेक्टोरल बॉन्ड: इलेक्टोरल फंडिंग में पारदर्शिता.


2. Ideas shape the course of history.

विचार इतिहास को आकार देते हैं.


Write the Essay in the Comment section below.


 

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  • Shashank Rao

    in second paragraph u can mention social reform’s also hold an imp place to shape history…n 1 or two lil xmpl only whether frm foreign cntry or wd our own india’s specially from 18th century era….over all grt essay 🙂

  • L Lawliet

    “I don’t sit like this because I want to. I have to sit like this. You see, if I were to sit normally, my deductive skills would immediately be reduced by roughly 40%.”

  • L Lawliet

    xD

  • SHADOW_BLAZE

    you should not be asking this question, inspite of having such high deductive capabilities 😛

  • SHADOW_BLAZE

    The forum wants to know 😛

  • Rhythm 2017

    don’t worry about scores as of now.
    try to make your writing more comprehensive and rich.
    🙂

  • Aparajita Jaiswal

    Kindly review my essay and give me feedback. This is my first essay.

  • Aparajita Jaiswal

    “Necessity is the mother of invention.” And behind every invention lies an idea, which changed the life of masses. Such idea affecting the mass population or accepted by the masses have contributed in shaping the history of the world.

    Ideas can be due to need, necessity, out of curiosity or just to make something better. In the search of a better trade route, Vasco da Gama discovered a sea route to Asia,India via Cape of Good Hope. It was an idea, which changed the lives of the civilisation and so it left it’s mark in the history of the world.

    The idea of using steam as power brought a revolution in the Industrialization. And the world could witness mass production. There was idea which brought social change and awakening of masses against exploitation. The idea of Karl Marx of an egalitarian society, where there is no class difference and the resources are shared equally by all. This concept of Marx fueled the worker class, it gave them the sense of togetherness and called for a mass movement where they can over-throw the ruling class. The same idea of Marx is traveling from history to the contemporary times and many Marxologists use the same idea as a basis to fight against the state to set up their own egalitarian society.

    It started with an idea that led to the colonialisation of half of the world. The idea of trading with the east, which was full of natural resources. It was the idea of the Britishers or the English that they carried this concept of ‘white man’s burden’ and considered every other race inferior. They themselves took the responsibility of making the other race civilised and thus came other concepts like Racism, Apartheid, Slavery, black man etc.
    The idea of wanting to become the super power in the world led to the discovery of deadly weapon or weapon of mass destruction like the Nuclear weapons. This idea led to the outbreak of the World War 1 and 2, which his the darkest era in the history of human civilisation. The imapact and effect are still seen in the people of Hiroshima and Nagasaki.
    An idea to prevent such a world war situation again and to maintain peace amongst the world communities, organisations like International League of Nations, United Nation came to life.

    The world history has many such events which started with just an idea and became historical events. Similarly, there are many such historical events in Indian context which were mere ideas.

    The idea of Buddha to leave his kingdom in search of enlightenment became the foundation of a religion-Buddhism. The same religion shaped the world then and still shaping the contemporary times. The idea of writing down the knowledge and learnings gave rise to written scripts and books like Vedas and Upanishadas. Using various forms of literature to express is the reason of rich Indian literature in form of short stories, plays, novels, poetry, drama, bimiograpghy, autobiography, paintings, dance etc. A small idea from the Greek culture revolutionised the Indian drama, which was introduction of the concept of curtains in the plays. This gave rise go multiple act plays with different stage settings. All of these have definitely shaped the history of India and Indian culture.
    The idea of all religion should be equally respected and given importance made Akbar, the greatest Emperor of the medieval India and the Mughal Empire and the opposite thought of Aurangzeb led to the decaying of the Mughal Empire in India.
    The idea and vision of Shivaji and the Marathas of one India and Swaraj made them the fierce and strongest power of the modern Indian History.
    Similarly, the idea of Britishers which took shape as their policies to rule India like the Dual Government Policy, Subsidiary Alliance, Divide and Rule contributed to their strong establishment in India.
    There were many movements against the Britishers like NCM etc but they weren’t successful. But when the idea of ‘Poorna Swaraj’ came, it united the entire country politically, socially, economically. This same idea over the period of time brought the feeling of Nationalism amongst the divided Indians and they fought unitedly against Britishers for the Independence of one nation-India.
    The idea of a secular-democratic nation gave rise to the Constitution of India, where in we proudly say that we are the only country in the world which doesn’t have a state religion and hence our concept of secularism is unique.
    The idea of making India self dependent, self-sufficient and self-employed gave way to the present government policies like Make-in-India, Start up India, Skill India, Stand up India.
    The idea to include everyone in the financial and economic development of the nation, gave rise to the JAM trinity. Also, demonetisation became the idea to make people switch from cash economy to cashless economy. It is worthy noting that such ideas are shaping the political and economic history of the country as well and taking the nation on the path of great success.

    The idea of an affordable satellite to the Mars and Moon is the reason behind the successful Mangalyaan and Chandrayaan projects of India. With the idea of spreading peace, cooperation and harmony amongst the neighbouring countries and to become a strong power in the South Asia, India has launched the South Asia satellite as a good will and aupporting gesture.

    Ideas have not just been the reason for the development of the masses but at times have been the reasons for the destruction of the mankind and we have enough historical evidences to support this argument. The same idea when used constructively has been affected and accepted by the masses and led to advances in the social, cultural, philosophical, scientific, poltical history. These ideas have changes the course of history of the world as well as of India.

  • kunal kapoor
  • kunal kapoor

    Np I will update clear pics

  • L Lawliet

    when 2018 prelims mock test is going to start?

  • L Lawliet

    thank you for the critical review

  • SHADOW_BLAZE

    unable to read. Too much light + poor camera (i guess). i am frankly telling you 🙂

  • Jyoti Singh

    Thank You Sir.I Am Trying My Level Best To Come Up With The Good Work…..!!!

  • Jyoti Singh

    Thanks Buddy For The Elaborate and Critical Review.
    Yes… You Are Right,I Have Some Issues Regarding Sentence Framing And Structuring Of The Essay…..!!!

  • ForumIAS

    Nice review..

  • ForumIAS

    Try not to go deep into thinkers in essay..They can be a passing mention but ideas shaping history can be explained from multiple perspectives like socially, culturally, economically etc..
    Content and structure of the answer has lot of scope for improvement..

  • ForumIAS

    Excellent review..

  • ForumIAS

    Excellent use of examples and very diverse dimensions are included…There might have been more dimensions like where ideas impacted the world history and how India got impacted and what are the consequences to it..

  • kunal kapoor
  • Aparajita Jaiswal

    “Necessity is the mother of invention.” And behind every invention lies an idea, which changed the life of masses. Such idea affecting the mass population or accepted by the masses have contributed in shaping the history of the world.

    Ideas can be due to need, necessity, out of curiosity or just to make something better. In the search of a better trade route, Vasco da Gama discovered a sea route to Asia,India via Cape of Good Hope. It was an idea, which changed the lives of the civilisation and so it left it’s mark in the history of the world.

    The idea of using steam as power brought a revolution in the Industrialization. And the world could witness mass production. There was idea which brought social change and awakening of masses against exploitation. The idea of Karl Marx of an egalitarian society, where there is no class difference and the resources are shared equally by all. This concept of Marx fueled the worker class, it gave them the sense of togetherness and called for a mass movement where they can over-throw the ruling class. The same idea of Marx is traveling from history to the contemporary times and many Marxologists use the same idea as a basis to fight against the state to set up their own egalitarian society.

    It started with an idea that led to the colonialisation of half of the world. The idea of trading with the east, which was full of natural resources. It was the idea of the Britishers or the English that they carried this concept of ‘white man’s burden’ and considered every other race inferior. They themselves took the responsibility of making the other race civilised and thus came other concepts like Racism, Apartheid, Slavery, black man etc.
    The idea of wanting to become the super power in the world led to the discovery of deadly weapon or weapon of mass destruction like the Nuclear weapons. This idea led to the outbreak of the World War 1 and 2, which his the darkest era in the history of human civilisation. The imapact and effect are still seen in the people of Hiroshima and Nagasaki.
    An idea to prevent such a world war situation again and to maintain peace amongst the world communities, organisations like International League of Nations, United Nation came to life.

    The world history has many such events which started with just an idea and became historical events. Similarly, there are many such historical events in Indian context which were mere ideas.

    The idea of Buddha to leave his kingdom in search of enlightenment became the foundation of a religion-Buddhism. The same religion shaped the world then and still shaping the contemporary times. The idea of writing down the knowledge and learnings gave rise to written scripts and books like Vedas and Upanishadas. Using various forms of literature to express is the reason of rich Indian literature in form of short stories, plays, novels, poetry, drama, bimiograpghy, autobiography, paintings, dance etc. A small idea from the Greek culture revolutionised the Indian drama, which was introduction of the concept of curtains in the plays. This gave rise go multiple act plays with different stage settings. All of these have definitely shaped the history of India and Indian culture.
    The idea of all religion should be equally respected and given importance made Akbar, the greatest Emperor of the medieval India and the Mughal Empire and the opposite thought of Aurangzeb led to the decaying of the Mughal Empire in India.
    The idea and vision of Shivaji and the Marathas of one India and Swaraj made them the fierce and strongest power of the modern Indian History.
    Similarly, the idea of Britishers which took shape as their policies to rule India like the Dual Government Policy, Subsidiary Alliance, Divide and Rule contributed to their strong establishment in India.
    There were many movements against the Britishers like NCM etc but they weren’t successful. But when the idea of ‘Poorna Swaraj’ came, it united the entire country politically, socially, economically. This same idea over the period of time brought the feeling of Nationalism amongst the divided Indians and they fought unitedly against Britishers for the Independence of one nation-India.
    The idea of a secular-democratic nation gave rise to the Constitution of India, where in we proudly say that we are the only country in the world which doesn’t have a state religion and hence our concept of secularism is unique.
    The idea of making India self dependent, self-sufficient and self-employed gave way to the present government policies like Make-in-India, Start up India, Skill India, Stand up India.
    The idea to include everyone in the financial and economic development of the nation, gave rise to the JAM trinity. Also, demonetisation became the idea to make people switch from cash economy to cashless economy. It is worthy noting that such ideas are shaping the political and economic history of the country as well and taking the nation on the path of great success.

    The idea of an affordable satellite to the Mars and Moon is the reason behind the successful Mangalyaan and Chandrayaan projects of India. With the idea of spreading peace, cooperation and harmony amongst the neighbouring countries and to become a strong power in the South Asia, India has launched the South Asia satellite as a good will and aupporting gesture.

    Ideas have not just been the reason for the development of the masses but at times have been the reasons for the destruction of the mankind and we have enough historical evidences to support this argument. The same idea when used constructively has been affected and accepted by the masses and led to advances in the social, cultural, philosophical, scientific, poltical history. These ideas have changes the course of history of the world as well as of India.

  • ForumIAS

    Excellent content Jyoti..But the first few paragraphs of the essay could be better framed and structured…Rest is brilliant..Keep writing..

  • L Lawliet

    thanks for the critical review along with no.
    awesome.

  • chetan taneja

    Gr8 work ……

  • SHADOW_BLAZE

    Very good ideas. 125+ easily.
    It could have gone 140+ with some refinement. For instance in that newton paragraph u should have introduced the theme of renaissance where idea of rationality … later leading to industrialisation and exploration …these r ideas shaping the course of histry since this later led to capitalism and colonialism…. then u should have connected it to socialism , communism and world war as counter ideas that got transformed into war….

    For some reason i feel UBI doesnt fit here… u should have taken some historic aspect only.

    Ideas and people…. i disagree.. ideas of few people changed the course of history in the world. Ex:ashoka and dhamma, hitler and nazism , nehru and NAM or democratic socialism

  • L Lawliet

    plz review my essay too.

  • PinkFloyd

    Great content. Very Nicely written.

    Suggestions:
    1. In the beginning elaborate more about the flaws in the present system. Lack of transparency in funding has led to increase in money and muscle power in politics, criminalization of politics, and has distorted the competitive field because many honest and well wishing candidates can’t contest elections lacking adequate financial resources. This also gives rise to corruption post election, as elected candidates wish to recover the money spent on elections, especially in allotment of government contracts or appointments/transfers in Govt jobs etc. Influence of corporate world on politics can also be mentioned

    2. To the extent possible write in third person, avoid using You and I in an essay. You have used it in the “How will it work section.”

    3. You have used the word ‘vying’ under the electoral bond introduction section. The word vying is used in context of competition, like two athletes competing/vying for a top rank. So not a proper word to use here, just write person intends or wants to donate money.
    It may seem like I’m nitpicking but these small things matter in an essay, though examiners ignore it in GS. Use of proper words does create a positive impression, and may be the difference between a score of 125 or 140+.

  • L Lawliet

    thanks 🙂

  • Jyoti Singh

    Excellent Work.I Thoroughly Enjoyed Your Essay While Reading From Start To Finish…..!!!

  • L Lawliet

    actually first i thought to write this essay but i was not able to add much content
    you have added a good deal of content. Great.
    Just one complaint: essay looks fragmented.
    Plz review my essay.

  • Jyoti Singh

    In Full Swing Sir;Leaving No Stone Unturned.
    And I Am Hoping To Be Back On “MAINS MARATHON” After Prelims…..!!!

  • L Lawliet

    your representation seems to be fragmented
    as per me if you don’t use the heading that would be better as devoid of headings essay looks more organic.
    Is your optional philosophy? You have explained their ideology too much.
    Inclusion of Supreme court is great.
    need to work on intro and conc
    Small mistake: quotation of Aristotle has not been finished

    Plz review mine.

  • L Lawliet

    IDEAS SHAPE THE COURSE OF HISTORY

    While flipping through the pages of history, one can clearly observe that ideas have shaped the course of history. From the idea of the wheel to the idea of the internet, the human has observed a history of six million years. In this course, ideas were individual as well as collective in nature. But the common feature of these ideas was that they were unique and were public accepted. Sometimes, this public acceptance was not easy as in the case of Galileo Galilei. Thus, for the ideas to shape the course of history, there is a need of an open mind and a tolerant society.

    Though the ideas by themselves are intellectual abstractions, they become powerful agents to shape the course of history when ideas inspire people to action. Newton’s theory of gravitation was the first demonstration that maths could be used to understand the natural world. Then, Albert Einstein predicted the gravitational waves. Recently, scientists have announced the discovery of gravitational waves. Thus, the individuals with the discovery or creation of particular ideas — such as Isaac Newton and gravity — can create history but those ideas can shape bigger history through the cumulative and collective actions of others.

    On the other hand, ideas can also be a source of difference, because they can encourage people to draw distinctions between themselves and others who have different ideas. For example, important ideological differences separated the USA and USSR, especially during the post-World War II years, when the USA focused on spreading democracy across the globe. This goal conflicted drastically with the Russian revolutionaries’ original desire to overthrow capitalism. Having been invaded by Germany twice, Soviet leaders also wanted to restructure Europe so that a buffer existed between the Germans and the Soviet border. Both the USA and the USSR believed that their respective survival was at stake, and each was, therefore, prepared to take any steps to win, which started the cold war. Indeed, the conflict of ideas can also shape the history. During the cold war, India also gave the world the idea of non-alignment.

    Generally, ideas are products of particular times or places or specific historical and cultural contexts. At the same time, ideas are not limited by these historical and cultural boundaries. Instead, ideas are frequently transmitted widely over time and space, where it again forms the history. For example, Mahatma Gandhi used non-violent methods to oust the British from India. In South Africa, Nelson Mandela began acting along the lines of Gandhi at the beginning of his career but used violent methods after he concluded that non-violence yielded no results. Ultimately, he adopted non-violent methods following his release from prison and the rest is history.

    The people who transmit ideas are those who use them as tools for analysis or for action. Frequently, these are people who move between cultural boundaries themselves, including scholars, rebels, travellers, sailors, pilgrims, and journalists. Those who promote new ideas may not accept ideas in their entirety, but rather tend to selectively adopt or reject certain aspects that fit their own political, social, or cultural circumstances. In this way, ideas of all kinds are refracted through the lenses of specific cultures. However, these altered and adapted ideas can still be powerful agents of change, whether they advocate the creation of a new world or urge a revival of past ideals. The secularism in India is a case in point. The origin of secularism can be traced to the western world view, which envisions separation of religion and state. Though the term ‘secular’, has not been defined in the Constitution of India but a series of articles in the Constitution shows that the constitutional forefathers adopted a variant of western secularism, analysing the reality of India and that means equal treatment of all religions by the state. Maybe that’s why India is the only secular country among her neighbours.

    If ideas do not evolve or adapt then also history can be shaped. India was one of the richest nations in the world in the medieval ages i.e. 16th and 17th centuries. Then Akbar rejected the Guttenberg press. Jahangir rejected the water lift. Indian mariners took little interest in adopting the compass and other marine discoveries of the world from the Europeans. The result – India experienced the colonial history for almost 200 years. Moreover, India’s Mars mission – Mangalyaan – was criticised by some. Questions were raised – can a country as poor as India afford to indulge in such scientific ‘extravaganza’? Wouldn’t this money be better spent on reducing poverty, providing drinking water, sanitation etc.? But if history is any lesson, Mangalyaan was every inch worth it as India is the only country in the world to successfully conduct a Mars mission on its very first attempt.

    For an idea to change the history may also need a great deal of debate or discussion. For example, though many advocated the concept of Universal Basic Income (UBI) as an alternative to the various social welfare schemes in an effort to reduce poverty in India, the Economic Survey 2016-17 says that the Universal Basic Income (UBI) is a powerful idea whose time even if not ripe for implementation, is ripe for serious discussion. Until that day, poverty is a reality of India rather than history.

    It is evident that ideas only become history when these are accepted largely by people. There is also need of the freedom to express new ideas. Hence, for an idea to shape the course history has to be expressed as well as accepted freely. For this, the person should have the confidence on his idea till then he should remember the lines of Rabindranath Tagore: “if they answer not to your call walk alone”.

  • chetan taneja

    give me score out of 125

  • Rhythm 2017

    it seems incomplete
    You missed
    1. Scientific ideas that shaped the history.
    2. Religious ideas

  • chetan taneja

    can u please review my essay…..

  • ForumIAS

    How is Prelims Preparation going on both of you?

  • Jyoti Singh

    Thanks For The Review Friend…..!!!

  • ManikChand

    Content is very good. But improve the presentation so that the entire content will become a neat essay. Use linkers to connect the paragraphs rather than dividing them by many side headings.

  • chetan taneja

    please review and revert back

  • chetan taneja
  • chetan taneja

    please review and revert back

  • chetan taneja
  • Jyoti Singh

    Electoral Bonds; Transparency In Electoral Funding…..

    The transparent method of funding political parties is vital to the system of free and fair elections and has been at the centre of the debate on electoral reforms in this
    context, couple of measures on electoral funding reforms were announced
    by Government aimed at cleaning up
    political funding—which is long considered to be the biggest source of
    black money.
    Even 70 years after Independence, the country has not been able to evolve one.An effort, therefore, is required to be made to cleanse the system of political funding in India.

    # The most significant proposal was to issue electoral bonds which the donors could purchase from authorised banks.
    # Government Accepted the Election Commission’s Proposals’ of capping anonymous donation to Rs2000 down from Rs20000

    Electoral Bonds——

    In order to cleanse the political funding system and check blackmoney, FInance Minister proposed to restrict cash donations to political parties from individuals to Rs 2,000 and introduced ‘electoral bonds’ scheme.
    If A Person vying to donate political party,he will have to purchase Electoral Bonds from authorised banks.These bonds will be redeemable only in the designated account of a
    registered party within a short time. This will stop cash payments which were subject to abuse.
    Till now, all donations above Rs20,000 are disclosed by the political
    parties to the Election Commission.

    Under section 182 of the Companies Act, no political donation can be
    made unless the board of directors passes a resolution authorising such a
    payment.

    How It Will Work—
    If you want to donate Rs 25,000 to a party of your choice, you can buy 5
    of the Rs 5,000 bonds and donate. So the government knows who bought it
    and what his source of income is, but it wouldn’t know who he donated
    it to. The party can go to the bank and redeem the Rs 25,000. The donor
    if he wants can choose to be anonymous.

    How Will It Be Introduced—
    The government proposes to design a scheme under which the issuance of
    electoral bonds to political parties will be sketched out.Section 31 of the RBI Act gives power, as of today, to issue bearer
    bonds only to RBI and the government. The bearer bond has the
    characteristic of a currency. That is why the power is not given to a
    bank.To let commercial banks issue these bonds, the government will have
    to amend the RBI Act. This would
    only be possible after an amendment to the Reserve Bank of India (RBI)
    Act

    How Would Transparency Be Maintained–
    To maintain transparency, donors can purchase bonds only through cheque
    or digital mode which helps track record of the source of the purchase.
    They shall be redeemable only in the designated account of a registered
    political party. These bonds will be redeemable within the prescribed
    time limit from issuance of bond.

    Such Steps Taken Before–
    INDIRA VIKASH PATRA, was a small scale deposit scheme operated by the post offices all over the country
    Indira Vikas Patra certificates came with a strong sense of security
    because it had the necessary approval and support from the Indian
    Government.
    However later,it was discontinued due to the fear of money laundering

    Benefits Of The Move—
    The Announcement of the move will bring more transparency to the donor and donee is,and is in line.There are many bogus political parties which have been registered with EC and accept donations but never contest.
    These parties have become avenues of dumping of ill gotten money and a check on their financial transactions will definitely help the government to achieve its goal of elimination corruption and black money from the system.
    In India any pary can get registered and can then receive unaccounted money in the form of political funding .
    By reducing the funding cap ,the government has tried to put a check on this inflow of cash.

    Challenges–

    Experts have a doubt regarding move, especially when the identity of the recipient
    will be kept a secret.
    While there is a popular pressure for full transparency and disclosure
    of names of both the donors and the receivers of the political funds,
    there is also a merit in the government contention about protecting the
    identity of the donors as their identification could lead to bigger
    problems
    Other One Is, whether donation through bonds would be disclosed to the Election Commission as well.

    Assocham said the fine-prints of the electoral bonds scheme should be
    worked out in a manner to make it a credible tool of transparency in the
    election funding.
    Alongside, the “idea of state funding of elections should also be
    considered seriously….the industry which is committed to work for
    strengthening the Indian democracy would be happy to work with the EC government, political parties and the civil society to find a common solution.
    The whole process should be aimed at reducing the money power in the
    electoral process so that well meaning people who do not have financial
    resources can also come forward and make a qualitative changes in the
    Indian policy

    RBI vs Governmet; Conflict Of Interest—-
    It Can be another attempt by government to step on RBIs’ turf as per The RBI Act apart from CENTRAL BANK and GOVERNMENT no body can issue the bonds.Governments’ move to amend the RBI Act to let the commercial bank issue bond can lead problems among RBI official

    Strong Reforms is Need Of The Of Hour—
    If The political system needs to be cleaned then the election law has to be amended so as to put an end to anonymous.The ECI has suggested amending to put a cap on upper limit for anonymous donation at rs 20000.But again ,this may also lead by the loopholes by the political parties.In addition,stricter have to be put in the place for the political parties for maintainig of the accounts and audit of accounts.The menance of corruption and black money can be tackled only if these issues are addressed prolperly.

    These measures if taken into consideration
    seriously along with the will to control illicit funding in elections,
    some changes can be expected in future.

    In addition, stricter
    norms have to be put in place for the political parties for maintaining
    their accounts and audit of accounts. The menace of corruption and black
    money can be tackled only if these issues are addressed honestly

    If the political system
    needs to be cleaned then the election law has to be amended so as to
    put an end to anonymous donations. The ECI has suggested amending the
    law to put a cap on upper limit for anonymous donations at Rs.2000. But
    again, this may also be used as a loophole by the political parties. In
    addition, stricter norms have to be put in place for the political
    parties for maintaining their accounts and audit of accounts. The menace
    of corruption and black money can be tackled only if these issues are

    If the political system
    needs to be cleaned then the election law has to be amended so as to
    put an end to anonymous donations. The ECI has suggested amending the
    law to put a cap on upper limit for anonymous donations at Rs.2000. But
    again, this may also be used as a loophole by the political parties. In
    addition, stricter norms have to be put in place for the political
    parties for maintaining their accounts and audit of accounts. The menace
    of corruption and black money can be tackled only if these issues are
    addressed honestly.

    needs to be cleaned then the election law has to be amended so as to
    put an end to anonymous donations. The ECI has suggested amending the
    law to put a cap on upper limit for anonymous donations at Rs.2000. But
    again, this may also be used as a loophole by the political parties. In
    addition, stricter norms have to be put in place for the political
    parties for maintaining their accounts and audit of accounts. The menace
    of corruption and black money can be tackled only if these issues are
    addressed honestly.