By "sustainable" I mean that the payment should be fixed for the life of the loan, it should be affordable, and it should be based upon verified income.
I shall touch very briefly on some potentially policy-relevant issues, among the many for which today’s discussion will certainly provide valuable and thought-provoking material. •  Rapid innovation usually requires a certain amount of resource reallocation to deploy its potential. Physical and financial capital, entrepreneurship and labour should therefore find ways to move across firms and industries without unjustified friction.