It is these add-on services that distinguish the good quality of services from not so good. The typical mortgage borrower of South Asian countries, including India belongs to the upper or  BIS central bankers’ speeches  5  middle class, is of an average age of 35–40 years, usually a first time home buyer and by and large a salaried employee.
In short: Programmes intended to achieve monetary union exist at the continental (AU), regional (SADC) and intra-regional levels (CMA): and Swaziland participates in them all. Conclusion The questions which policy makers will have to continue to address are clear. They include the following. Should we continue down this path? Do the programmes have realistic time frames? Are they on target?