21 “..., and is consistent with a variety of observed phenomena"--National Bureau of Economic Research web site...”

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

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

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

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

26