Introduction  In commencing my speech, I would like to invite you to join me in expressing thanks and praise to God Almighty who has again blessed us with the chance to meet in this pleasant and congenial setting at the Annual Bankers’ Dinner 2007.
A second study has estimated that, in the second half of the 1990s, households in the top of the income and education distributions in the United States showed the largest consumption increases, consistent with the fact that these households owned the most 2 stocks and experienced the largest gains in wealth.