DOUGLAS ARNER Sir John Lubbock Support Fund Fellow, Centre for Commercial Law Studies, Queen Mary and Westfield College, London ALEX FLEMING Lead Financial Economist, World Bank's Europe and Central Asian Regional Office JOSEPH NORTON Sir John Lubbock Professor of Banking Law, Centre for Commercial Law Studies, Queen Mary and Westfield College, London ALAN ROBERTS Lecturer in International Accounting, University of Reading ANIMESH SHRIVASTAVA Deputy Director, Centre for Euro-Asian Studies, Department of Economics, Reading University KRYSTYNA SZYMKIEWICZ Researcher, C.N.R.S, University Paris 1, Sorbonne GEORGE TRIDIMAS Lecturer, Department of Economics, University of Reading.