THERE are no days off at the moment for Ruchjat Kosasih. During the last week, this independent auditor for Lippo Bank has had to heed the beck and call of the investigating teams of the Capital Market Supervisory Board (Bapepam) and the Directorate-General of Financial Institutions at the Department of Finance. Ruchjat, who is a member of the Prasetio, Sarwoko & Sandjaja Public Accountants Firm (affiliated with Ernst&Young), is bein