Full of stupid and no knowledge managers. Managers really do not know any project management processes, they just sit there and check ICICIDirect.com. Specially insurance business unit managers. Seniors have vengeful nature and they tell you this on your appraisal day :D. They bug you for trifle things. Sweet-talkers can survive without doing any work. HR policies are pathetic so HR department. No salary increments. They think any knowledgeable guy can be replaced by fresher.