Gill Marcus: Globalisation can be a force for good Address by Ms Gill Marcus, Governor of the South African Reserve Bank, at the Dinner in Honour of Ambassadors and High Commissioners to the Republic of South Africa, Pretoria, 1 October 2013. *  *  *  Your Exellencies, Ambassadors, High Commissioners, Counsels and Diplomats, good evening.
Among lower-income families, usage increased from 11 percent in 1983 to 37 percent in 2007. 5 Mortgage markets saw similar product innovations. For example, in the early 1990s, automated underwriting systems helped open new opportunities for underserved consumers to obtain traditional forms of mortgage credit.