Arrears can be of any description -- arrears of work, duty, or uncollected outstanding of money. People in business sometimes come to a standstill. Money dries up or the market deserts. One contemplates closing the operations. It can be of several types. One type is because of accumulated arrears. Here we come to a vicious cycle. We know if the arrears are fully collected, the business will be viable. Again, we know unless the business is viable and is running, those arrears cannot be collected. At such points, one finds his prayers at a dead end, evoking no response.