In this episode of Money Mantra, experts Madan Sabnavis, chief economist at CARE Ratings, Aditi Phadnis, political editor at Business Standard and S V Prasad, chairman of Chime Consulting, discuss the outlook for the economy in 2013 and the prospects of a recovery and bottoming out of growth in the year. They also speak about the looming threat of a credit rating downgrade, RBI monetary policy and reform process.