"... In PAGE 21: ...12 Systematic information on usage of cashless payment instruments is available for industrialized countries. Table6 presents the volume, value and average value of the various types of cashless payment instruments for highly industrialized countries in 1998. In general, checks, payments by card, paper-based credit transfers and direct debits are used for retail payments, whereas paperless credit transfers are used for large value payments.... In PAGE 21: ... In general, checks, payments by card, paper-based credit transfers and direct debits are used for retail payments, whereas paperless credit transfers are used for large value payments. There are similarities as well as differences in the use of various non-cash payment instruments across industrial countries listed in Table6 . The US relies most heavily on cheques for retail payment, accounting for 71 percent of the total volume of cashless payments made in 1998.... In PAGE 77: ... 72 Table6 (cont apos;d) United Kingdom Germany Italy Belgium Volume Value Average Volume Value Average Volume Value Average Volume Value Average (%) (%) Value (US$) (%) (%) Value (US$) (%) (%) Value (US$) (%) (%) Value (US$) Checks 28.1 3.... In PAGE 78: ... 73 Table6 (cont apos;d) France Netherlands Sweden Average Average Average Volume (%) Value (%) Value (US$) Volume (%) Value (%) Value (US$) Volume (%) Value (%) Value (US$) Checks 40.... In PAGE 79: ... 74 Table6 (cont apos;d) Switzerland Average Volume (% of grand total) Value (% of grand total) Value (US$) Checks 1.0 16.... ..."

"... In PAGE 21: ...12 Systematic information on usage of cashless payment instruments is available for industrialized countries. Table6 presents the volume, value and average value of the various types of cashless payment instruments for highly industrialized countries in 1998. In general, checks, payments by card, paper-based credit transfers and direct debits are used for retail payments, whereas paperless credit transfers are used for large value payments.... In PAGE 21: ... In general, checks, payments by card, paper-based credit transfers and direct debits are used for retail payments, whereas paperless credit transfers are used for large value payments. There are similarities as well as differences in the use of various non-cash payment instruments across industrial countries listed in Table6 . The US relies most heavily on cheques for retail payment, accounting for 71 percent of the total volume of cashless payments made in 1998.... In PAGE 77: ... 72 Table6 (cont apos;d) United Kingdom Germany Italy Belgium Volume Value Average Volume Value Average Volume Value Average Volume Value Average (%) (%) Value (US$) (%) (%) Value (US$) (%) (%) Value (US$) (%) (%) Value (US$) Checks 28.1 3.... In PAGE 79: ... 74 Table6 (cont apos;d) Switzerland Average Volume (% of grand total) Value (% of grand total) Value (US$) Checks 1.0 16.... ..."

"... In PAGE 21: ...12 Systematic information on usage of cashless payment instruments is available for industrialized countries. Table6 presents the volume, value and average value of the various types of cashless payment instruments for highly industrialized countries in 1998. In general, checks, payments by card, paper-based credit transfers and direct debits are used for retail payments, whereas paperless credit transfers are used for large value payments.... In PAGE 21: ... In general, checks, payments by card, paper-based credit transfers and direct debits are used for retail payments, whereas paperless credit transfers are used for large value payments. There are similarities as well as differences in the use of various non-cash payment instruments across industrial countries listed in Table6 . The US relies most heavily on cheques for retail payment, accounting for 71 percent of the total volume of cashless payments made in 1998.... In PAGE 77: ... 72 Table6 (cont apos;d) United Kingdom Germany Italy Belgium Volume Value Average Volume Value Average Volume Value Average Volume Value Average (%) (%) Value (US$) (%) (%) Value (US$) (%) (%) Value (US$) (%) (%) Value (US$) Checks 28.1 3.... In PAGE 78: ... 73 Table6 (cont apos;d) France Netherlands Sweden Average Average Average Volume (%) Value (%) Value (US$) Volume (%) Value (%) Value (US$) Volume (%) Value (%) Value (US$) Checks 40.... ..."

"... In PAGE 6: ... These data will be discussed with the aid of tables and regression analysis. Table5 provides expenditure and income data for comparative purposes. Overall, total media and communication expenditures are a significant portion of the average household budget.... ..."

"... In PAGE 29: ...of the income equation. A regression of log{income (ignoring truncation in GSS{1 and using interval midpoints in GSS{6) on the explanatory variables in Table2 using the excluded regressors found in the rest of the system as instruments for the substance use indicators generates estimates of the e ects of smoking, drinking abstention, and heavy drinking of 0.01, -0.... ..."

"... In PAGE 22: ... 21 Table1 B: Health and education Under-5 Mortality Rate (per 1000 live births) Net Primary Enrollment %) Target Growth-alone Target Growth-alone 2000 2015 1998 2015 East Asia amp; Pacific 44.7 18.... In PAGE 22: ... Based on current trends and growth forecasts, the world is likely to just meet the global target for income poverty, thanks to continued strong growth in East Asia. But at a region-by-region level, the income poverty forecasts are not reassuring ( Table1 A). Only two of the six developing regions are projected to meet the target of halving the share of their populations living in income poverty, and Sub-Saharan Africa is projected to fall far short.... In PAGE 23: ... 22 income alone will not get us very far; we must also act directly to achieve health, education, and other goals (Devarajan, Miller, and Swanson 2002). Table1 B illustrates this point, by showing how far growth alone, without any further initiatives, can be expected take us toward reaching the health and education goals. Education and especially health indicators would be expected to fall well short of the MDGs on the basis of these forecasts.... ..."

"... In PAGE 14: ... The example DFI was highly subsidized. The first-year income statement ( Table3 on page 39) shows that the DFI paid 25 in interest for its liabilities (line Bg), spent 600 in operating costs (line Bj), and did not provide for loan losses (line Bi). Revenues from lending and investments were 420+5=425 (lines Ba, Bb, and Bc).... ..."