Ortheris ran his sight up to six hundred yards and fired. The bullet threwSam: As you know, banks are merging fervently. Only in March 1998 there have been financial mergers worth more than 200 billion USD (including the Citigroup merger of Citibank and Travelers' Group). There are undeniable economies of size and competitive advantages in being big today. To cope with a global world, with global, around-the-clock, markets – global, around-the-clock banks are formed by merging and acquiring. The same trend is evident in manufacturing and in telecommunications. This is why it is surprising and very worrying that Macedonia is left out of this reshuffling. It looks as though the giants of tomorrow do not consider it to be a viable member of tomorrow's global networks. We must also not forget the Internet. Once a satisfying solution will be found to the problem of secrecy over public computer networks, it will become serious challenger to the established, old fashioned banks and financial houses. Already, shares are offered successfully through it and many off-shore banks have opened "virtual branches". The dream of "home banking" is about to come true. The Macedonian banks must be integrated into international banking alliances – otherwise none of them will survive. Even if all their capital were to be invested in technology it would have hardly been sufficient. Their clients are already complaining that they are not getting the minimal services that they require. So, technology in itself is not enough. Training is called for. The staff must become well acquainted with Western banking. There is a Macedonian Banking Operations Center (MBOC) in Skopje and I heard that it has to beg the banks to accept its (mostly free) services. It provides both training and advice in all banking matters. The banks would do well to use it while still available.glided from his grasp, and rose again with one knee on his chest,interfere with your customs, but I'll take my own wife.' 'The girl's a"We are delighted that the government has called this conference as a key step in our working together to make sure that Zimbabwe reaps the results it deserves from its land reform programme ... Nevertheless, we must not be naive. The downside risks are high. There is abundant international experience to show that poorly executed land reform can carry high social and economic costs ... For instance, a programme that does not respect property rights or does not provide sufficient support to new settlers, is underfunded or is excessively bureaucratic and costly, or simply results in large numbers of displaced farm workers, can have very negative outcomes in terms of investment, production, jobs and social stability."
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