Whenthe GST era dawned this month, online jokesters quipped that it was the most inscrutable thing after Duckworth Lewis. But paradoxically, it may have brought a disquieting clarity to another zone of universal experience. Amid the flurry of news reports detailing what would entail a higher tax of 18 per cent, there was the list of banking services. It read like a death roll: withdrawals, deposits, ATM transactions, ordering fresh cheque books, drafts, loan processing, locker charges, NEFT, SMS alerts, what not.