A thorough understanding of this force and its potential effects is critical for prudent decision-making in both the public and the private sectors. I believe the study that I have just summarized takes some major steps toward that understanding, and I hope that my remarks have helped you to comprehend our study's findings and implications.
Still, all of us have much to learn, and much of what we know today will almost surely change in the future. I commend the organizers of this conference for seeking to advance our knowledge, and I again thank you for inviting me to contribute. BIS Review 17/2001  5