As I draw to a close, let me recognize that the banking sector credit information sharing initiative will serve as a model for other credit providers. We must move with speed to have the mechanism up and running and begin to rope in other financial and non financial credit providers. This will allow the full benefits of credit information sharing to the whole economy.
These pension schemes are nationally grown and closely associated with the history and culture of a society. I will first try to examine why the most generous systems seem to be the most resistant to change, then go through some of the arguments used against reform and finally establish a scoreboard of possible reforms. I. Resistance to change  According to the E.C.