A S M Rafad Asgar A S M Rafad Asgar is research associate at Bangladesh Institute of Governance and Management (BIGM). He can be reached at rafad.asgar@bigm.edu.bd. Are you aware of the hidden cost of writing on banknotes? 10 HOUR(s) How we treat our national currency reflects a broader issue of civic responsibility, financial culture, and respect for public property. 10 HOUR(s)