FRONT PAGE Ashok Lavasa pulls out of poll panel meetings on model code NATIONAL MoD rejects Vice Admiral Verma’s plea ‘No shortage of polio vaccine’ INTERNATIONAL Zarif rules out prospect of war with U.S. U.S. lifts metal tariffs on Canada, Mexico India voices concern over delays in reimbursement to UN peacekeeping contributing countries OPINION Alarmed on an aircraft carrier The secret ingredient BUSSINESS RBI now uses divergence to compel banks to improve their loan-loss ratios U.S.-China trade tension may hit emerging markets, says Ind-Ra LIFE Environmental costs of a digital planet SCI-TECH & AGRI Early life stress can modify DNA expression, a study finds Microscope to diagnose, treat diseases