*  *  *  Ladies and gentlemen, good morning: Once again, I welcome you to this gathering of exporters and policymakers, which we have been doing since 2002 to discuss issues and concerns of common interest. I am glad to see familiar faces around. I also extend a special welcome to the new attendees for finding the time to join us today.
What is more, things do go wrong, and you may find yourself losing some of the start-up capital as a result. If, in addition to all of this, your new venture has to meet bank service charges on a loan from the first month of operation, the chances of a successful launch are much reduced.