*  *  *  The presentation of this report on the operations of the Bank during the fiscal year 2003/2004 is in accordance with Article 48 (1) (b) which requires the institution to transmit such a report to each of the Participating Governments and to publish it.
Additional research and experimentation can help us address difficult questions such as how best to measure quality and cost-effectiveness in health-care delivery and how to give doctors and hospitals incentives to adopt best practices and improved information technologies. The solutions we choose for access and quality will interact in important ways with the third critical issue – the issue of cost.