Harsh Vardhan, an expert on the financial sector, joins Amit Varma to discuss his life and learnings. They explore topics such as banking without banks, consulting experiences, the impact of different languages and literatures, personal journey of self-discovery, regulatory capture, optimal mix of banking and regulation, and changing perceptions of time and history. They also touch on the nature of kindness and compassion, split brain experiments, the concept of rationality, and influential thinkers for India.