21 “..., and economic growth in the past 20 years. The initial disconnect-with one literature focusing on the effect...”

22 “... surprisingly, some can entail benefits regarding economic growth. Thus, droughts have a negative effect on both...”

23 “... on the effects of financial intermediation on economic activity. On the one hand, the empirical growth literature...”

24 “... in three areas: social policy in health and education, market-oriented economic structure and quality...”

25

26 “... larger effort in the group to understand the process of economic reform"--World Bank web site...”