It was interesting to read the article 'Rural Short-term Cooperative Credit Structure' by Mandira Sharma and Rajiv Kumar (March 1, 2008) but unfortunately for all the wrong reasons. The authors would have done well to fist understand some basic concepts like capital, non-performing assets, majority shareholding, etc, before commenting at such length on the Vaidyanathan Committee recommendations and implementation of the government of India's revival package based on it. (Letter)