Closing In closing, I would like to again congratulate HFC Bank on achieving 3 years of commercial banking, but also HFC as a financial institution for having served the people of Fiji for the last 55 years.
May we all hope that a kind providence will give us the wisdom, the judgment, the patience, the tact, the diplomacy, and the courage to do what seems right and best day by day.”  5  For more information, see Deborah J. Danker and Matthew M. Luecke (2005), “Background on FOMC Meeting Minutes”, Federal Reserve Bulletin, vol. 91, pp. 175–179.