4  BIS Review 142/2007  be able to work with their lender or servicer to adjust their payments or otherwise change their loans to make them more manageable. It is imperative that we work together as a financial services community to look for ways to help borrowers address their mortgage challenges, particularly for those who may have fewer alternatives, such as lower-income families.
*  *  *  Professor Avinash Persaud Mr. Percy Mistry Miss Cheryl Bruce, Commonwealth Secretariat Members of the Board of BOM Distinguished Guests Colleagues and Friends Good Morning My first duty is to welcome you all this morning on behalf of the Bank of Mauritius which is cosponsoring this Workshop together with the Commonwealth Secretariat.