Developing countries benefit from international trade with developed countries

This paper talks about international trade from the perspective that it helps developing countries a lot when they indulge in trade related activities with developed countries. The thesis statement for the paper is that yes, developing countries do enjoy certain advantages when indulging in international trade.

INTERNATIONAL TRADE
Trade has a huge role to play when we talk about globalization and exchange of economic activities between developed and developing countries (international trade). With the help of trade-offs countries have been able to get more by giving away more, despite the fact that developing countries have lesser resources  both human and technical. International trade also has helped these countries settle disputes which otherwise would have been quite costly for them. They usually do not have the legal expertise or the systems to settle disputes, which again can be made possible due to the positive spillovers from international trade  again contributing a whole lot more to their development needs.

The developing countries have benefitted from many tariff reductions and subsidies which have been part and parcel of indulging in international trade. An example of this could be tariff reductions that took place in the 1960s for developing countries on their manufactured goods and the fact that these reductions on imports have been higher than the tariff reductions for developed countries, makes the argument stronger by pointing towards the benefits that developed countries enjoy through international trade.

India could be said to be an example here due to the massive growth it experienced through international trade, new prospects popped up for it, changing the face of India from that of an LDC to a developing country. Today, we see how this has benefitted India by the increments in co-operatives that have taken place in food processing and packaging as originating from rural India, thereby suggesting the level of empowerment international trade has put in the hands of villages there after implementing the new economic policy. Nigeria could be another example as the liberal trade policies have seen to drive Nigerian exports and been a determinant in the macroeconomic development of the Nigerian economy, decreasing debt stock and inflation.

Conclusion
International trade is labeled to be the driver of growth for developing countries. In contemporary times, we see around us the massive growth that has re-shaped the future of many East Asian countries, which have embarked upon the journey of industrialization. Similarly, many less developed countries too have had the fortune to take advantage of unilateral trade liberalization in recent years, even though this has been much lower in magnitude to the kind of developments in developing countries. The examples of Nigerian and the Indian economy too are significant enough to point in the direction that international trade can benefit developing countries and LDCs alike.

Capital Adequacy and Banking Regulations

Capital Adequacy
The Capital Adequacy (CA) is the capital required by a bank as a regulation by the banking governing body by setting a framework on how banks and depository institutions must handle its capital (Gallati, 2003).  In this case, the categorization of assets and capital is uniformly standardized so that it can be risk weighted in case of any un-eventuality.  The international body for setting CA is known as the Basel Committee on Banking Supervision (BSCB) located at the Bank for International Settlements.  BSCB governs each countrys banking capital as the set requirements known as the capital measurement system were established in 1988 in Basel Switzerland thus, the requirement came to be known as the Basel Accord (Scott, 2005).

However, in the recent times, this framework is now being replaced by a new and significantly more substantial and complex capital adequacy framework commonly known as the Basel II.  This new framework has significantly altered the calculation of the risk weights but left the calculation of the capital known as the Capital Ratio (CR) alone (Scott, 2005).  CR is the percentage of a banks capital set aside for its risk-weighted assets which are defined by risk-sensitivity ratios whose calculation is dictated under the relevant Accord.

Capital Adequacy Ratio (CAR)
Capital adequacy ratio (CAR) is commonly known as the Capital to Risk or  Weighted Assets Ratio (CRAR). It pertains to the ratio of a certain banks capital to cushion it against its risks. These risks are governed by National Bank s regulation bodies in order to regulate and track the banks CAR with the intention of ensuring that a specific bank can absorb a reasonable amount of loss without it closing down, which could be catastrophic for the bank s investors (Canning, Pitman,  Williams, 1988). Therefore, it is important for the banks to comply with the CRAR and adhere to all the statutory capital requirements as laid down by the Basel Accord. The CAR is determined by measuring the amount of a bank, which is the core capital as expressed as the percentage of its assets as weighted by credit exposures (Canning et al., 1988).

Capital adequacy ratio is calculated as where Risk can either be weighted assets () or the respective national regulators minimum total capital requirement. If risk weighted assets would be used, CAR is determined by the following formula

The percent (10) is the threshold required by the regulators as the conform to the Basel Accords as well as the set regulations by the national banking regulations, while the T1 and T2 are the two types of capital measured. Tier one capital (T1) is the capital above so that it can absorb losses without a bank going down while the tier two capital (T2) is the ability of a bank to absorb losses in case a banking is closing down, providing a lesser degree of protection to depositors (Canning et al., 1988).

Risk Weighting (RW)
Risk Weighting (RW) involves the different types of assets owned by a bank since a bank has different risk profiles such that CAR would primarily adjust the assets which have less risk, enabling a bank to  discount  these lower-risk assets (Gallati, 2003).  However, the specific CAR calculation may vary from country to country, but general approaches tend to be similar for countries that apply the Basel Accords.

Fund-based means that the RW s assets funds are based on assets such as cash, loans, investments and other assets whereby the degree of credit risk is expressed by the percentage weights which has been assigned by national reserve banks to each such assets (Gallati, 2003).

The Non-funded (Off-Balance sheet) are the Items that credit risk exposure attached to the off-balance sheet items has to be first calculated by multiplying the face amount of each of the off-balance sheet item by the credit conversion factor which in turn shall be multiplied by the relevant weight as defined by the country s local regulations (Scott, 2005). This establishes that cash and government bonds have a 0 risk weighting, and residential mortgage loans have a 50 risk weighting so that all other types of assets which have been loaned customers have a 100 risk weighting (Scott, 2005).

Tier 1 Capital
A bank s capital is its cornerstone hence, the strength of a certain bank is measured by how much the capital is since the presence of substantial capital reassures creditors and engenders confidence among its investors such that they do not fear losing their money (Scott, 2005). The foundation of the bank s capital also is assured through permanent shareholders  equity and disclosed reserves which are s either created or increased by its appropriation of retained earnings or other surplus. These are the elements that should fully meet the essential characteristics of capital and represent capital resources which can best contribute resilience and flexibility of a bank in case it would experience any future financial difficulties (Scott, 2005).

Therefore, Tier 1 capital could be defined as the issued share capital and non-cumulative irredeemable preference shares, and it might also include innovative capital instruments other than ordinary shares and non-cumulative irredeemable preference shares (Canning et al.,1988). Some other instruments may be issued through special means, and they may be subject to the conditions of the governing bank.

The partly-paid shares including other capital instruments might qualify for inclusion in capital in case the value of funds is actually received including the general reserves and retained earnings which are measured by all the year s net earnings as well as the expected dividends and taxation paid. Tier 1 is sometimes distributable, but it is generally met by all the attributes bound down by Tier 1 capital which has the minority interests in subsidiaries combined by other named capital (Canning et al., 1988).

Tier 2 Capital
Tier 2 Capital is the other capital elements that strengthen the bank s position in the capital bases, but it comes in varying degree since it usually does not match the financial position of Tier 1 s capital capabilities. Therefore, Tier 2 capital usually included in the bank s capital base generally has the same value equal to the bank s Tier 1 capital, i.e., goodwill net, intangible assets from other sources and future income tax benefits and payment (Canning et al., 1988).

In this case, Tier 2 capital is divided into two segments, Upper and Lower Tier 2 capitals. Upper Tier 2 capital includes capital elements that are usually permanent and having a characteristic of both equity and debt while Lower Tier 2 capital consists of elements which are temporal. In this case, Tier 2 capital may be included in Tier 2 capital to a maximum and amounts to 50 of Tier 1 capital, i.e., net of goodwill, various intangible assets, and future income tax exemptions (Canning et al., 1988).

Banking Regulation
Banking regulations are governmental regulations which have been set aside with the aim of making banks to comply with certain terms, requirements, restrictions, and guidelines in order to protect the bank s creditors and investors (Barth, Caprio,  Levine, 2008). The reason behind these banking regulation and objectives is to emphasize on various jurisdictions intended to adhere with the following objectives

Prudential intends to reduce the level of risk bank creditors, depositors. and investors who are very vulnerable to losses in case a bank would go down (Barth et al., 2008).

Systemic Risk Reduction intends to reduce all the banking risks or disruptions which might result from various adverse trading conditions and might make a bank to wide down  (Barth et al., 2008).

Bad Banking Policies some banks might induce unfavorable trading techniques which might harm the creditors hence, these are set to discourage those misuses  (Barth et al., 2008).

Credit allocation these regulations shall direct credit to favored sectors so that the creditors are not misinformed and conned  (Barth et al., 2008).

To protect banking confidentiality these are intended for making a bank comfortable while trading such that it does not risk losing its assets from bad government or banking policies (Barth et al., 2008).

Principles of Banking Regulations
These regulations can vary from one country to another because of their outstanding jurisdictions. However, various principles and bank regulations are general more or less in the world and they work as follows

Minimum Requirements
These are regulations that have been imposed by the Banking regulations with the aim of promoting the objectives of the regulator, whereby a bank is supposed to maintain minimum capital ratios set aside as a minimum requirement (Levine, 2004).

Supervisory Review
The bank regulation should issue an operating license so that a bank could carry on its business as a bank. A supervisory review shows that a certain bank has the credibility to operate without any doubts from the banks creditors (Levine, 2004). This review makes sure that a bank complies with its requirements while at the same time responding to various breaches of the requirements needed in undertakings, giving directions, imposing penalties, or revoking the banks license in case a bank violates them (Levine, 2004).

Market Discipline
The regulator requires a bank to publicly disclose financial and other relevant banking information and policies so that the depositors and other creditors would be able to use this information to assess the level of risk they are taking while investing with them (Levine, 2004). Therefore, due to this discipline, the bank is subjected to standard policies for financial transparency, and the regulator can also use market pricing information as an indicator of the banks financial health so as not to trick a creditor into banking with them (Levine, 2004).

Capital Requirement
Capital requirement and framework governs how banks must handle their capital in relation to their assets so that a bank might not use its status in practicing bad or unacceptable banking process. This requirement is imposed by an international governing body known as the Bank for International Settlements based in Basel Committee on Banking Supervision, Switzerland (Beck, Demirguc-Kunt, Laeven,  Levine, 2004). This body influences each countrys capital requirements according to the 1988 regulations known as the Basel Capital Accords, when the Committee decided to introduce a capital measurement system as a standard of governing various nations  capital requirements (Beck, Demirguc-Kunt,  Levine, 2004).

Conclusion
Both capital adequacy and bank regulation appear to be sure ways of ascertaining that various commercial banks running in any nation have what it takes to be a bank. The most important factor in a bank is to make sure that a bank would weather down any un-eventuality without transferring enormous loses to the investor and creditors. Due to this two polices, we have seen that the creditor is the one who is most protected in order to boost his or her investment confidence that his or her finances are in the safe hands. This confidence makes a bank operate well without fear that the depositors might flock to the bank and withdraw all their deposits which might lead into bank s financial collapse. Capital adequacy ratio is also needed by banks to calculate their operational ratio so that they may foresee the current operating trends and future trends, which in turn would enable them to make a proper decision to assure their operations.

The Current Macroeconomic Situation

There is an increasing situation of history repeat itself when observing the reactions of most Americans on the current economic crisis. It is comparable to what happened in the 1930s and the wake of 1940s in the fact that most Americans are now turning to several risky investments. Banks gave out loans to investors who bought the stocks and when the market of stocks plummeted, there was no one who could sell their stocks leading to the massive crash of banks. The result was a total loss witnessed by the stock speculators as well as the customers. Several events led to the Great Depression but the most contributing reason was the many customers who bought stocks through bank borrowings and accumulated the stocks with hopes for the stock prices to go up and make huge profits (Allan, 2009). This was not the case, the stock prices declined lower than they expected. They never imagined that the stock prices had two trends the increase and decrease in stock prices.

In the current macroeconomic situation, it may appear that banks are also failing although this failure is not caused by the same reason during the Great Depression. There are few banks sinking in the past few years and banks have no means to make available the loans to investors. The problem seems to lie in the capital in the depository institutions which is being impaired. When capital is impaired, it diminishes the ability to provide more loans. 

However, the current macroeconomic situation in the US seems to be promising one as it has been saved from getting into another deep recession. It is however recommended that the Federal Reserve and the US Congress to continue with their current policy of monetary funding which have been given the mandate and suggested to be the strategies of liquidity maintenance in the system (Discuss Economics.com, 2010). The existing policies have strategies of making available of more funds to most corporations and to the system as well as in the direction of stimulating demand. 

The continued strategies that are aimed at stimulating both demand and production will ensure that the US macroeconomic situation does not end up into another serious recession or slowdown. The efforts of the Fed Reserve and the US Congress will see the restoration of the economy back on track. The Federal Reserve System is the sole authority in the US that is responsible for two monetary policies the expansionary policy and the contractionary policy. The expansionary policy is also known as the easy money which results if Fed raises the money supply and decreases the interest rates. This tool is the most recommended strategy in the countering of recession (Discuss Economics.com, 2010). The monetary tools are aimed at improving the economic growth, stability and provision of full employment.

Another tool that has been used to counter recession in the United States is the fiscal policy which seeks to limit the business cycle fluctuations and reduce the level of unemployment as well as inflation. This also promotes economical growth. The fiscal policy utilizes the spending authority of the federal government and the taxation in order to stabilize the business cycle.

Although some of the policy makers have preferred the fiscal policy over the monetary policy or monetary policy over fiscal policy, both of these policies have been adopted in restoring the economies and prevent serious recession. The tools have been suggested by the Free Open Market Committee (FOMC) which is a component of the Federal Reserve System which s charged with the responsibly of overseeing the operations of open market.

GLOBALIZATION DEVELOPMENT

Globalization in the specific context of  HYPERLINK httpen.wikipedia.orgwikiEconomic_globalization o Economic globalization economic globalization refers to the integration of national economies into the international economy through  HYPERLINK httpen.wikipedia.orgwikiTrade o Trade trade,  HYPERLINK httpen.wikipedia.orgwikiForeign_direct_investment o Foreign direct investment foreign direct investment,  HYPERLINK httpen.wikipedia.orgwikiCapital_flow o Capital flow capital flows, and integration of national supply chains with global supply chains (Bhagwati 2004). Globalization has become the catch phrase of todays world and it is widely believed that a truly global economy (in which the domestic strategies of national economic management) is emerging (Hirst and Thompson, 1996 pg 1).

Globalization is further believed to be the silver bullet to bring about development in the Third World countries. Here it is important to explain what is meant by the Third World.

What do we understand by the term Third World
This term rose in the Cold War era and was used to categorize the non aligned countries that is these countries were neither aligned with the capitalist countries (First World countries) and nor with the Soviet Bloc (Second World countries). These were essentially the newly independent countries of Asia and Africa (such as India, Indonesia, Egypt). However, since that time on Third World colloquially refers to the poor and under-developed countries of the world (Gupta, 1992 pg 65 and Nations Online).

The invention of this terminology is not the only legacy of the post Second World War era. This era saw the rise of development studies in the social sciences. Modernizationtion theories of the 1950s and 1960s popularized the notion of modernization to denote the process conceived in the theory as replication of the Western experience of development. Development implied the spread and consolidation of capitalist economy and society into the underdeveloped regions (the assumption was that capitalism would generate development and higher standard of living) and was enthusiastically embraced by many policy makers in the Third World countries (Robinson, 2002 pg 1048). Certainly the penetration of the Third World firms (such as those of India and China) into the markets of the First World countries argues the case of the success of globalization in the Third World under developed countries (Hirst and Thompson, 1996 pg 2).

This begs the question  Why are so many of parts of the world underdeveloped
Most countries of Asia, Africa and Latin America are underdeveloped, i.e. they lack access to job opportunities, health care, potable water, nutrition, education and shelter. There are many internal factors and institutions such as politics, corruption, overpopulation, lack of technological advancement and incomes that contribute to rendering so many parts of the world as underdeveloped.

Underdevelopment and Politics Majority of the underdeveloped countries in the world are under dictatorial regimes and face political instability. According to Amartya Sen (1999) this in turn contributes to their underdevelopment as in non democratic and unstable political regimes governments have little or no incentive to paid heed to the demands of the population and work for their development.

Underdevelopment and Corruption Corruption is believed to be a major factor impeding economic development (Fisman and Miguel, 2006 pg2). The economic consequences of extensive corruption include low labour productivity, unequal distribution of incomes, reduced investment and consequently lower growth (Dearden, 2000 pg 9). This argument can be empirically verified by the fact that most corrupt countries in the world (such as Somalia and Sudan) are also among the most underdeveloped (Corruption Perception Index, 2009).

Underdevelopment and Overpopulation The UN sponsored Population Conference held in
1974 recognised that that population and underdevelopment are interrelated and overpopulation and rapid population growth (population explosion) have contributed to the underdevelopment of the underdeveloped Third World countries (Loraine, 1974 pg 83). Half the population of this area is below the age of 19 whereas the average age of people in the rich countries is 31 years. The excess of youth in Asia, Africa and Latin America is highly disadvantageous. Young people require housing, educational facilities and medical care. Their presence prevents adequate investment and development they are one of the reasons why living standards in the Third World have been so difficult to raise. The burgeoning populations have contributed to an increased unemployment rate which in turn contributes to underdevelopment of a country (Loraine, 1974 pg 85).

Underdevelopment and Income, Low Technological Growth Underdeveloped countries have low incomes both in terms of GDP and per capita income. This in turn leads to a situation where in underdeveloped countries cannot invest in RD and technology which in turn translates into inefficient production. This keeps poor countries locked in a vicious cycle of lack of innovation and poverty (Acemoglu, 2005 pg5).

These are the internal factors that contribute to the underdevelopment of a country.
In conclusion, globalization has thrown development studies into this paradigmatic quagmire by modifying the reference points of macrosocial analysis. Globalising processes are bringing about changes in social hierarchies in the world capitalist system which traditional categories and frameworks in development studies are unable to capture (Robinson, 2002 pg 1048).

Microeconomic Impacts of Rising Gas Prices on Airline Consumers

With the record high jet-fuel prices experienced last 2008, airfares have risen up for up to more than 200 percent compared with the summer last 2007. Leisure and business travelers have become wiser in planning their trips and they invest more time in searching for fares or packages that could allow them to save more. During that year, airfare experts predicted that if the fuel increased up to 150 per barrel, airfares will soar until only the affluent could fly frequently. Airline industry changed its management and rules in response to higher fuels such as higher fuel surcharges, advance booking, minimum stay requirement, additional fees for checking bags, etc.

At the part of the consumers, rising prices can have differing effects on consumption depending on the type of good being consumed. In this case, flying is an ordinary good since when consumption generally went down after dramatic rise in airfare price. Less vacation trips for leisure travelers and less travel to more expensive fare like to European destinations. However, consumption also responds to income changes but in this article no income changes were acknowledged. If consumer income increases given increase in airfare prices, airfare can be considered a normal good. To wrap it up, increased gas price affect the allocation of time and resources of consumers since vacation is a leisure that can be substituted with other things like work and other types of leisure, ceteris paribus.

In my opinion, this is a classic scenario wherein economic activities of households and individuals are seen. The author of the article plainly reported the strategies wherein consumers can save while continuously traveling via air and the best strategy aside from digging the cheapest plane tickets price is to find offers such as packages and price bundles because it offers less hassle for the consumers and it offers relatively lower price than buying tickets one at a time.

By HYPERLINK httpwww.usatoday.comcommunitytagsreporter.aspxid221 Gary Stoller, USA TODAY
Deregulation of the airline industry 30 years ago made air travel affordable to most Americans. Rising airfares threaten to again make flying a service for the affluent.

Airfares have risen this summer more than any year in the past quarter century, new studies by airfare experts show. The studies, done by Travelocity, FareCompare.com and Harrell Associates at USA TODAYs request, show that domestic fares this summer are up 12 to 15, and on some routes, more than 200.

Consumers are already shell-shocked by higher prices, but their wallets are going to be hit harder than ever before on their next vacation or business trip, says Rick Seaney, CEO of FareCompare.com, which tracks airfares for consumers.

Airlines are raising fares to combat record jet-fuel prices, which have nearly doubled during the past 12 months. The fares often include fuel surcharges that can range from a few to hundreds of dollars, and a growing number of tickets include restrictions that require fliers to buy further in advance or stay a number of days at a destination. Fliers also face an escalating number of extra fees for roomy seats, checked bags, ticket changes and other services.

For a family of four, a cross-country flight this summer may cost about 1,000 more than last summer. In late July, for example, United Airlines cheapest non-stop round-trip coach fare for travel in mid-August between San Francisco and Washington was 580, or 2,320 for four people, according to FareCompare.com. Thats 920 more than the family would have paid United on that route last summer.
Higher airfares are causing vacationers and business travelers to cut back on air travel, and raising many companies travel costs.

Robert Yodice, of Cleveland, flew to Las Vegas 10 times last year, but only twice this year. He says hes cut back because the round-trip fare is at least double the 200 to 300 he used to pay.
With rising airfares, Ive had to take a completely different approach to my leisure travel, says Yodice, who owns a TV production company. Theres a lot more time invested in researching better fares, looking at alternate airports and determining any potential savings from driving to an airport that may not necessarily be closest to home.

Changing perspective on cheap
An extreme example of the new price of air travel is found on the Chicago-MinneapolisSt. Paul route. On July 10, US Airways HYPERLINK httpstocks.usatoday.comcustomusatoday-comhtml-quote.aspsymblcc (LCC)cheapest fare for travel at the end of the month was 406  a 276 increase on last Julys 108 fare, according to FareCompare.com. United Airlines HYPERLINK httpstocks.usatoday.comcustomusatoday-comhtml-quote.aspsymbuaua (UAUA)cheapest fare was 376  a 382 increase on last Julys 78. Northwest Airlines HYPERLINK httpstocks.usatoday.comcustomusatoday-comhtml-quote.aspsymbnwa (NWA)cheapest fare was 140  up 79.

United spokeswoman Robin Urbanski says the 78 fare last year was a special sale price in line with competitors prices.

Such bargain airfares may be hard to find this year, but they havent disappeared and can often be found on airline websites.

Discount carrier Spirit offers 19 one-way fares on its website for August travel between Fort Lauderdale and Tampa, Orlando or the Bahamas. Spirit also has 89 fares from Boston to Fort Lauderdale.

Bigger airlines also offer some bargains. American Airlines HYPERLINK httpstocks.usatoday.comcustomusatoday-comhtml-quote.aspsymbamr (AMR)cheapest round-trip coach fare last week for travel in September between Kansas City and West Palm Beach, Fla., with a stop in DallasFort Worth, was 120, plus 42 in taxes and fees.

Besides Spirit, the lowest fares are usually found on routes where Southwest HYPERLINK httpstocks.usatoday.comcustomusatoday-comhtml-quote.aspsymbluv (LUV)flies, says airfare expert Tom Parsons of Bestfares.com, an online ticket wholesaler that identifies fare bargains for consumers. Competing airlines match Southwests low fares, but they charge more fees for checking bags and other services, he says.

Low fares can also be found on routes flown by AirTran HYPERLINK httpstocks.usatoday.comcustomusatoday-comhtml-quote.aspsymbaai (AAI), JetBlue HYPERLINK httpstocks.usatoday.comcustomusatoday-comhtml-quote.aspsymbjblu (JBLU)and Frontier, says Bob Harrell, head of Harrell Associates, a consulting firm that focuses on airlines and fares.

Still, even low-fare airlines are raising prices. Southwest said recently that its average fare in the second quarter was 114.48, up 8.4 from the same period last year. JetBlues average fare rose 13.1 to 138.13.
More increases are expected in the fall, when carriers say they will reduce seat capacity on many routes and stop flying some others. Some airlines have already reduced capacity up to 10, and further cuts  up to 15  are planned for the fall.

Reductions are needed because rising prices mean less passenger demand, American Airlines CEO Gerard Arpey said in a recent conference call announcing the carriers second-quarter financial results. American has initiated or participated in over 30 domestic fare and surcharge increases this year, he said.

On 21 occasions this year, Seaney says, one of these six airlines  American, United, Delta HYPERLINK httpstocks.usatoday.comcustomusatoday-comhtml-quote.aspsymbdal (DAL), Continental HYPERLINK httpstocks.usatoday.comcustomusatoday-comhtml-quote.aspsymbcal (CAL), Northwest and US Airways  raised round-trip fares more than 10 on two-thirds of its routes, and 15 times the other airlines matched the fares. In 2007, an airline in that group raised fares 23 times, and the other carriers matched 17 times.

If oil prices, which recently have fallen to the mid-120s a barrel, rise to 150 a barrel, the cost of jet fuel could increase ticket prices to a level only the affluent could afford, says Seaney.

While travelers are no doubt feeling pinched  especially in light of rising food and gasoline prices  it is difficult to blame airlines for raising prices in order to cover costs that are, by and large, beyond their control, says Darin Lee, an airline economics expert at LECG, a consultant in Cambridge, Mass.


Consumers have enjoyed cheap fares since the airline industry was deregulated in 1978. Stiff competition has kept fares low, but it has also driven many airlines out of business and forced others to struggle for profitability. Faced with record fuel prices, airlines this year may lose up to 10 billion, says the Air Transport Association (ATA), an airline trade group.

We have had our fun the party is over, Ray Neidl, an industry analyst for Calyon Securities, told Boeing executives last month. We have had cheap flights, and now it is time to pay the bill.

Leisure travelers have been hit with some of the biggest fare increases, airfare studies show.
The average cheapest coach fare in June and July was 16 more expensive than last summer, according to Harrell Associates, which tracked published fares each Monday from June 16-July 7 for six airlines top revenue-producing domestic routes. Those fares are highly restricted, with advance-purchase and minimum-stay requirements and a penalty for itinerary changes.

Combining those fares with the least expensive coach fares generally used by business travelers  refundable fares booked no more than three days before departure with no minimum-stay requirements  the average cheapest coach fares this summer are 12 higher than last summer.

FareCompare.com data examined 145 domestic routes, comparing airlines cheapest coach ticket prices on Thursday, July 10, with those of Thursday, July 12, 2007. Of 937 fare listings, more than three-quarters showed a fare increase from a year earlier 54 showed a fare increase of at least 20. The comparison excluded Southwest Airlines, which doesnt list its fares in all computer reservations systems.

Travelocity, which sells millions of tickets annually, says domestic tickets sold through May for travel between Memorial Day and Labor Day averaged 366. Thats a 15 increase on last summers average of 318, says Travelocity editor Amy Ziff.

A 12 or 15 increase is huge compared with year-over-year pricing data compiled by the ATA. Such a large increase has not happened since 1980, when the price of tickets sold rose 28 from 1979.
In 11 of 27 years since 1980, the price of tickets sold declined from the previous year. Only two years had a price increase of more than 7.

Trips not taken
Many vacationers are swallowing the fare increases, but others are postponing trips, going to cheaper destinations or planning differently.

Tiffany West, of Tacoma, Wash., planned to go to Hawaii last May with her husband, Jeff, and says she usually pays 500 to 700 for a round-trip ticket. But the cheapest tickets were more than 1,000, so she postponed the trip until September, when a 525 fare was available.

Instead of paying the high airfares to London, Paris or Rome this summer, many vacationers are booking less expensive or better-value flights to Central America, South America or Asia, says Ziff. Theyre starting to look at destinations like Buenos Aires, where you can have a relatively European experience and the dollar goes further, she says.

Some international fares are lower this summer, but they have high fuel surcharges that make the total price higher than last summer, Parsons says.

For example, he says, the cheapest round-trip fare on American Airlines last week for September travel between Dallas and London was 453, plus a 426 fuel surcharge, for a total of 879. Last summer, the fare was 476, plus a 130 fuel surcharge, or 606 total.

Restricting business travel
The airfare increases are also affecting business. Of 55 corporate travel managers who responded to a mid-July survey by the Association of Corporate Travel Executives, more than half said rising airfares have caused their companies to cut back on the number of business trips. The ACTE represents 2,500 travel managers and suppliers.

Higher airfares may add tens of millions of dollars to the travel budgets ofFortune500 companies that spend at least 100 million on airfares per year, says Herv Sedky, a vice president at American Express Business Travel.

Many business travelers buy tickets at the last minute and are unable to take advantage of cheaper, advance-purchase fares. Those last-minute, walk-up fares are also rising.

For a one-way New York-Los Angeles ticket on Tuesday, for example, Delta Air Lines cheapest Y fare  an industry classification for an unrestricted, full-price coach fare  cost 969, plus an 85 fuel surcharge, says Parsons. Thats more than 40 higher than last year, when the price was 754 with no fuel surcharge.

A growing number of companies have begun requiring approval for all air travel to company meetings, training sessions, conferences and conventions, says ACTE executive director Susan Gurley. Some companies are asking employees to share hotel rooms on business trips.

The companies that have been hit hardest by airfare increases are those with a large volume of travel to Europe, Gurley says. Some have reported hundreds of thousands of dollars in increased travel expenses, and some no longer allow employees to fly to Europe on business- or first-class tickets.
Small companies have also had to adjust.

Faith Varwig, who runs an aviation security consulting company in St. Louis, says the price of tickets to some cities has doubled or tripled. We are doing more teleconferencing and trying to reduce trips to client sites, she says.

Wendy Desabaye runs a consulting business in Boston that plans corporate meetings for companies based in New England. She says rising airfares have caused companies to stop scheduling meetings outside the region.

Ive been in business 10 years, and Ive planned more meetings this year in Boston than in the past 10 years, Desabaye says. Instead of requesting meetings in Hawaii and other faraway places, my clients are booking meetings where their employees can arrive by car or train.

Unions

Unemployment has remained a thorny issue in most economies of the world.  This is premised on the declining employment opportunities in the world as time goes by. However, a look at different economies suggests a certain controversial trend in employment. It has been established that union states suffer from higher unemployment rates as compared to non-union states. It is also alleged that in the union states there is a higher degree of taxation than the non-union states (Thomas et al. 2007).
If the above position holds, then unions have a negative effect on the economy. This is based on the fact that a good economy should provide good employment opportunities to the vast majority of its population. If union states fail to meet this threshold, then unions do not augur well with the economic aspirations of any economy. On the same front, it is held that though taxes present a good platform for states to raise funds, it does not make sense to pay more and tax highly. If one is paid highly and taxed highly, the net effect reflects no valuable gain on the part of the employees. What this brings out is a high pay package on paper as a good percentage of the money is deducted through taxation (Thomas et al., 2007).

Labor unions stand accused because of the perceived effects they have on an economy. The unions are perceived to contribute towards unemployment (Thomas et al., 2007). This is because unions engage in activities aimed at raising wages. Labor unions through the use of either procedural or underhand methods force employers to take decisions that could otherwise not have been taken. Such engagement denies market forces a chance to regulate the labor market. This leads to a skewed scenario where the wages are pushed beyond the equilibrium position.

Industries and employers in general find it untenable to offer employment to large numbers of people. It should be noted that employers get involved in business for the sole purpose of making profits. If wages are pushed beyond the equilibrium, then operational costs in business skyrocket or in the least rise above the normal level. To continue making profits, business and all other employers affected by trade union activism seek to cut costs (Thomas et al., 2007). The surest way to achieve their mission is by lowering the number of employees they recruit.  In this way, the employers cut employment opportunities so that the effect of high wages is reduced.

The labor unions are quite controversial in nature (Thomas et al., 2007). It is a fact that unions only pursue interests of their members. It is not surprising to find trade unions remaining disinterested from issues affecting the general populace. It is in this line that it has been established that unions do not bother to improve the welfare of others for example, the unions remain guilty for failing to protect the interests of the unemployed. This is the other reason that explains the rising levels of unemployment in union states.

Unions, by negotiating for higher wages, act as a taxing agent (Thomas et al., 2007). Increased wages imply reduced investment funds for companies and other employers. This form of taxation is harmful to union economies as investment funds are typically lowered. The development of any economy rests on the level of investments such entity is able to make. If investments are lowered, the situation adversely affects the economy. An economy lacking in investments cannot employ people. The extra taxation may also drive companies out of business because of the increased nature of competition. In the end, this extra tax has a net effect of cutting employment opportunities and limiting the expansion of such opportunities.

Production is a function of several factors consequently, raising wages puts a company or employer in a difficult situation (Thomas et al., 2007). This is based on the fact that the employer needs extra cash to cater to the laborers  increased wages. This may lead to increased product prices. The higher product prices present an extra taxation aspect as consumers have to pay more.

Examples
On coming to power in 1979, Margaret Thatcher intended to reduce the power of labor unions because of the effect thrust on the economy by the unions. The then prime minister felt that the unions had reduced the competitiveness of the UK economy (Thomas et al., 2007).

If General Motors, Chrysler and Ford chose to raise their prices of cars as a result of union pressure to increase wages, the net effect will be reduced sales. This will necessitate the releasing of workers as fewer sales cannot sustain the companies. This adversely affects the economy
Examining the non-union states

In non-union members, market forces play a crucial role in determining wages (Thomas et al., 2007). In these states, wages are set in a manner that reflects the current state of the economy. This augurs well for the economy as employers have the freedom to adjust wages depending on the economic conditions. In the same light, employers are able to operate within the confines of their budget. This however should not be misconstrued that in a union free state the operation of economic activities is free from shortcomings. The strong point of such an economy remains in the presence of an investment enabling environment (Thomas et al., 2007).

Unionization is thought to hold a derailing effect on economies during times of recession (Thomas et al., 2007).  During recession, funds are hard to come by consequently, setting high wages in an environment characterized by financial hardships may serve to block any recovery mission by employers. If economic recovery fails, unemployment soars and a cyclical pattern is established.

Unions Reduce Investment
It is discernable that unions tax corporations  earnings. Earnings play an important role in determining the extent to which a business can reinvest. An increase in earnings as a result of an upward adjustment on wages typically affects a firm s redistribution strategy on proceeds. Company returns are minimized and thus makes undertaking new investments a costly venture (Thomas et al., 2007).  In a nut shell, such a company cannot reinvest as it lacks funds. Conversely, in non-union states, companies are not pushed to alter their wages arbitrarily. This allows companies ample time to organize and draw development strategies. This is the case as the business entities in such environment are in a good position of paying workers while at the same time retaining a good amount of the returns for reinvestment. It is primarily on this premise that non-union states remain in pole position to grow and develop economically when compared to union states.

From above, it is held that a union free-state is able to reap the benefits of reinvestment as funds are readily available. Through reinvestment, economies are able to generate more funds as production is expanded. An expansion in production necessitates the recruitment of a larger work force to take care of increased activities. To address this, employers hire more workers to offer labor. This explains why non-union states enjoy relatively a higher employment rate as compared to union states.

The taxation aspect is developed from the investment argument. The absence of trade unions implies the absence of pressure to increase wages. Such absence allows free determination of wages which in turn facilitates the repatriation of a good percentage of profits back into a business. This means that the business is not heavily taxed through wage payments (Thomas et al., 2007).

It follows that the creation of further employment and increased production will in the end lower prices of goods and services. Lowered prices reflect that the economy is relatively less affected by increased taxation. 

Considering the United States manufacturing industry, one gets the notion that unionized jobs are on the decline. At the same time, the non-union employment is on the increase. In the period between 1977 and 2007, unionized jobs in manufacturing shrank by more than 70 percent. During the same period, non-union employment rose by 6 percent (Thomas et al., 2007). This clearly points out how the presence or absence of unions affects an economy and employment in particular.

The construction company in the United States of America has equally captured the effect of the presence or absence of labor unions. In this sector, since 1977, the non-union jobs have expanded by 160 percent. On the converse, the unionized jobs fell by 17 percent during the same period (Thomas et al., 2003).

Conclusion
On the basis of the evidence adduced in this paper, it is revealed beyond relative doubt that unions derail economic growth and development. This is based on the realization that unions promote unemployment tendencies and tax rises. On the other hand, non-union states are found to promote employment and the reduction of taxation. It is held that a non-union state is better placed economically than a union state.

State of the US Economy

GDP refers to the total value of goods and services produced within a country annually. UD GDP increased at an annual rate of 5.6 in the last quarter of 2009. The increase in GDP in the fourth quarter was due to positive growth from private investments, aggregate public consumption, net exports, and fixed investments (real estate). Imports though increased by 6.2. Now, the price index for domestic purchases grew by 2 in the last quarter of 2009, 0.1 percentage point more than the third quarter. Overall, GDP for 2009 grew by about 4.1

If food and energy prices are excluded from the estimate, the price index increased 1.5 in the last quarter, 1 up in the third quarter. Aggregate consumption (C) grew by 1.6  in the last quarter. In the third quarter, aggregate consumption increase by 2.8. Fixed investments increased by 5.3, significantly higher than the 2008 figure. Equipment purchases grew by 19 - a 1.8 increase in spending. In general, aggregate consumption increased from 3.8 to 5.6 (2008 to 2009).

Exports of goods and services also grew by 22.8 in the last quarter comparatively higher by 5 in the third quarter. Imports also grew by 15.8 representing a decrease in aggregate national output (income). In general, net exports grew by about 7, higher than the deflated 2008 figure.

Government expenditure remained unchanged in the fourth quarter. Expenditures on national defense grew by 3.8 in the fourth quarter. Nondefense expenditure fell by 8.3. State government expenditure also fell by 2.3. In general, government expenditure grew by 5.1.

Relationship among Y, C, I, X and G
National Income (GDP) is equal to aggregate consumption (C), investment (private) (I), net exports (X), and government expenditure (G). Consumption is equal to total personal income minus tax. In general, as consumption increases, GDP increases by the amount equal to the income multiplier, ceteris paribus. Investment is dependent on prevailing interest rates. As interest rate increases, real investment falls. An increase in investment levels leads to an increase in national income, ceteris paribus. Net export (X) has two components export and import. An import represents a subtraction in the national income equation while an export represents an addition. Government expenditure is an addition to national income. A fall in government spending represents a fall in aggregate output, ceteris paribus.
2009 US GDP

In 2009, real GDP fell by 2.4, compared to a 0.4 in 2008. The fall in GDP represented a fall in nonresidential fixed investments, net export, private investment, residential fixed investment, and aggregate consumption. Government spending though registered positive growth. Overall imports fell.

The PI (price index) for domestic purchases remained unchanged in 2009, in contrast to a 3.2 in 2008. Current-dollar GDP fell by 185 billion in 2009, compared to a 363.8 billion increase in 2008. In 2009, real GDP registered a 0.1 increase, compared to a 1.9 increase in 2008. Price index for domestic purchases grew by 0.6 in 2009 in 2008, it registered a 1.9 increase.

Aggregate Personal Income and Saving
Disposable income is equal to personal income minus tax. It is income used to purchase goods and services. In general, real disposable personal income (adjusted) increase 2.1 in the fourth quarter, compared to a 1.4 fall in the third quarter. In contrast, personal saving rate increase to 4.6 from 4.5.

Employment Situation
According to the 2009 census, the number of regular employed individuals increased by 412 000 in the last quarter of 2009. About 44.1 of unemployed individuals were jobless for more than 10 months. The civilian labor force participation rate was about 64.9 while the employment population ratio was about 58.6.

Part-time working individuals increased to 9 million in the last quarter of 2009. About 2.3 million individuals were attached to the labor force in 2009. These persons were not part of the labor force but available for work. There are also about 1 million discouraged workers last year (about 401 00 individuals in the last quarter). Discouraged individuals are persons who do not look for work because they believe that there are no appropriate jobs available for them.

In March 2009, nonfarm employment grew by 162 000. This was due to positive growth in help and healthcare services. Government employment grew due to increased hiring of temporary workers for the last quarter of 2009. About 40 000 jobs were added to the labor force in 2009.

Manufacturing employment continued to rise in the last quarter of 2009. About 34 000 jobs were added in the last 4 months of 2009. Job increases were concentrated in metal products and capital products. Construction employment remained unchanged for three quarters. Employment associated to financial institutions (banks and other financial intermediaries) fell by 7. In the first quarter of 2010, overall employment grew by 3. Unemployment remained at 9.7.

Inflation and Earnings Summary
Consumer price index remained unchanged since March 2009. Core index though grew by 0.1, the smallest gain since September 2004. Retailers focused on price cutting to increase sales (due to the fact that unemployment was about 10, the highest over the last 10 years). In the last quarter of 2009, prices rose by 2.1, despite a fall in real GDP (which should represent a fall in aggregate price levels).

The Federal Reserve decreased prevailing interest rate to 1.3 to reduce the likelihood of an extended inflation. Boosting the economy would depend on increasing levels of capacity use, decreasing unemployment, taming inflation, and promoting stable monetary expectations. The Federal Reserve expected a general increase in consumer spending and investment level.

Energy costs fell by 0.5 in November 2009, compared to a 1.5 increase in the third quarter. Aggregate earnings grew by 3.9, 1.2 percentage points higher in 2008. Trade deficit grew by almost 57. The United States continued to face increasing trade deficits with China.

Conclusion
In general, the US economy was experiencing an economic downturn in the last quarter of 2009. This was probably due to the recent global recession that rocked financial institutions. The fall in stock prices generated a fall in employment and income prospectus. This led to a general decline in aggregate national output.

However, in January 2010, stock prices increased reflecting a steady rise in both employment and income initiative. Inflation was at its lowest in January 2010 but expected to increase in the second quarter of the current year.

DEPARTMENT OF ECONOMICS , FINANCE AND ACCOUNTING

This assignment accounts for 5 of total marks available for this module and must be submitted by all students on an MS Word file. The version of MS Word that you use must be no higher than MS Word 2000.

The deadline for submission is Tuesday, April 20 at 5.00pm. The assignment must be submitted on Moodle, on the EC110 page.

No written, e-mailed or late assignments will be accepted.
On your MS Word file, please include your name and student number. It would be a good idea to give the file a name that includes your student number, eg. Ass112344564.

Please note that many College machines may not be able to read the most recent versions of MS Word, which you may have on your home computer or laptop. It is your responsibility to ensure that your assignment is submitted in a readable form. One way to do this is to do the assignment on one of the College machines. On your home PC or laptop, it is usually possible to save your document as an older version of Word, e.g. MS Word 2000.

To save an original MS Word file as an older version, go to File, then Save As, click on the arrow beside the Save As Type, scroll down and choose a version no higher than MS Word 2000. On new versions of Word, it can usually be saved as a Word 1997-2003 document.

Please ensure that you know how to do this before submitting your assignment. Please note also that we cannot read MS Works files or any other programme files.

See below for assignment questions.

Answer all questions and explain your answers. All questions are marked out of 100 and carry equal weight.

1.(a) Consider the production function EMBED Equation.3. Show that this production function exhibits constant returns to scale when the input bundle is (K,L)  (10, 20).

K110L120K210L220K310L320K410L42080160320640
By increasing the inputs, L and K, by the multiplier 2, the output also increased by 2. Therefore, it can be said that there is a constant returns to scale.

(b) Suppose that the marginal rate of technical substitution of capital (K) for labour (L) is always 3 (in absolute value). If a firm cuts its use of capital by 4 units, how many more units of labour will it require in order to keep output constant At what input price ratio will a producer only use labour (assume that the per-unit prices of K and L are r and w, respectively)
 
(c) If a production function exhibits economies of scale, then there cannot be diminishing returns to a factor. State whether the above statement is true, false or uncertain and explain your answer.
False.  By definition, economies of scale are factors that cause the average cost per unit to fall as scale is increased. On the other hand, diminishing returns to a factor is how themarginalproduction of afactor of productionstarts to progressively decrease as the factor is increased. Relying on the two definitions, it can be inferred that diminishing returns to a factor refers to the output of the factor, independent of the cost of the production incurred. Therefore, it can be concluded that there can be diminishing returns to a factor if a production function exhibits economies of scale.

2. Fishing in Galway Bay requires both labour and capital input. The total number of fish obtained per hour (q) is given by where L and K are the respective labour and capital inputs per hour.

What is the average product of labour What can be said about the average product of labour curve
The maximum point of the APL curve is the boundary between Stages I and II of the Production Function.

What is the marginal product of labour What can be said about the marginal product of labour curve How does the average product of labour compare to the marginal product Explain your answer.

The maximum point of MPL curve is the Point of Inflection of the Production Function.
The average product of labour is the output per unit of labour input, while the marginal product of labour is the change of the total product from expanding labour by one unit holding capital constant. This means that the average product of labour is the output produced for every unit of labour used. On the other hand, the marginal product of labour is the change of the total product for every additional unit of labour used, holding capital constant.

The elasticity of output with respect to labour input is defined as the percentage change in output due to a 1 change in labour input. Can this be related to the marginal and average products of labour What is the value of the elasticity of output with respect to labour input

Yes, the elasticity of output with respect to labour input can be related to the marginal and average products of labour. If the value of marginal cost is less than the value of average cost, the output elasticity is less than 1, therefore, there is economies of scale. On the other hand, if the value of marginal cost is greater than the value of average cost, the output elasticity is greater than 1, therefore, there are diseconomies of scale. The value of elasticity of output with respect to labour input for the given problem is 0.8, coming from 0.8 of the Cobb Douglas function on the given production function. This means that a 1 change in Labour will result to a 0.8 change in output.

3. A bakery produces cakes with the following production function where q is the amount of cakes. In the short run, the firms capital equipment is fixed at K  50. The per-unit rental rate of K is r   2, while the per-unit wage rate of L is w   5.

Calculate the firm s short-run total (STC), average (SAC) and marginal (SMC) cost curves.capital is fixed regardless of production

What is the firms STC if it produces 50 cakes

Suppose now that all inputs are variable. What input combination will minimise the cost of producing 50 cakes How does your answer compare to that in (b) Explain any difference.

Summary of The Elusive Quest for Growth

Creative Destruction The Power of Technology
Next, Easterly examines how growth is driven by the process of creative destruction.  The possibility that new technology will make old techniques unprofitable, obsolete, and useless can reduce the perceived incentives for innovations and lead to barriers, which inhibit acquisition and creation of new technology. These factors lead to forces within impoverished nations that can stanch economic growth.

Governments in poor countries should attack this problem by promoting foreign investment, subsidizing capital imports embodying new technology, and subsidizing research and development in technology creation and adoption.

Easterly places emphasis on the role of technology, not as a panacea for growth, but as a critical driver. But knowing or owning the technology -- no matter how advanced -- is not sufficient. What matters is how it is applied, who applies it and in what context.

Easterly underlines the fundamental importance of the Schumpeterian model of creative destruction. For societies to thrive, it is important not only to innovate, but also to destroy old technologies, obsolete practices, outmoded institutions and, of course, all the dead weight of the old.

The creation of new technology and the destruction of old technology is the essence of the growth process.  Destruction, however, can be as difficult, if not more so, as creation.  This is mainly because those who would wish to introduce new creative technologies will meet with forces of resistance and vested interests that wish to maintain the old technologies, and, generally speaking, the latter are older and more powerful than the former.
In technology, as well, we see another iteration of complementarity.  Inventions that are complementary to existing technologies and skills, rather than substitutions for them, may be adopted and put to use more readily. 

Under an Evil Star
Fortune, whether good or bad, can play a big part in an economys ability to grow.  Disasters such as floods, earthquakes, and disease epidemics can destroy infrastructure and kill off skilled workers, moving an economy years backward.  Poorer economies are affected much more deeply by natural disaster than wealthier ones.

In addition to the effect of natural disasters on an economys luck, sensitivity to expectations, choice of incentives, and the initial conditions of the economy all affect an economys fortunes and help in determining whether it will grow or stagnate.

Easterly hypothesizes that no matter what the other factors, luck is a major determinant in economic growth.  It keeps economists honest by offering a control against which their studies can be measured, and despite lucks randomness, one can use the patterns of past growth and recession to predict the economic future through mean reversion.  Mean reversion essentially says that after a particularly up or down time, everything will trend back toward the mean.  So, if an economy is having a particularly high rate of growth, mean reversion will predict and eventual trend back toward a mean rate of growth.

Other factors that can be out of a countrys control, but still have a severe impact are external market pricesthe prices at which a country is required to buy or sell goods and productsas well as war, particularly civil war.  Developing economies react dramatically to growth and contractions in large industrialized countries as well, particularly to the extent that such countries are clients or customers of developing economy.

While luck plays a major part in all economic growth or lack thereof, poorer economies are far more susceptible to being affected by random events than richer nations.  Because poor countries are already living close to the bone with minimal reserves nascent technology and fewer skilled workers, any setback due to war, natural disaster or a mortgage crisis in a far off industrialized nation is likely to be felt more deeply and for longer in a developing economy than a first or second tier country.

Governments Can Kill Growth
Governments, obviously, like luck, can have a tremendous impact on growth.  Because governments often dictate the incentives that drive growth, bad government can lead to a bad economy.

Inflation is a factor that is largely within government control.  War or any other circumstance that may cause a government to print more money can lead to inflation, and once it takes root, it is difficult to stop.  Inflation has a huge negative impact on growth and can lead to, among other things, large external budget deficits. Inflation also creates disincentives for growth.  People avoid holding onto money, production slows and resources are diverted away from production.

The creation of a black market premium on foreign currency due unfavorable or uncompetitive official exchange rates is another way that a government can negatively impact an economys growth.  When this happens the incentive is to skirt government rules and attempt to trade currency outside official channels such an incentive is not of the type that leads to economic growth.  Moreover, it is detrimental to exporters in that they end up selling their exports at the official rate.  Meanwhile, imports are effectively purchased at the black market rate, creating a trade deficit.  The incentives for growth vanish.

Another government hindrance to growth is driving banks out of business by shifting interest rates, in effect creating a negative real interest rate for banks on their deposits, which dries up credit sources for businesses and individuals.  When credit sources are unavailable, they dont go back into the economy and stifle growth. 

Protectionism is another real threat to growth.  Closing a countrys economy and turning it inward prevents an economy from being affected by outside forces, which means that prices, interest, wages, and exchange rates are not pegged to any real world benchmarks.  Markets are limited to internal markets and the growth is halted.

Corruption and Growth
Next, Easterly discusses one major type of institutional failure, namely, corruption, which has been shown empirically to have negative consequences for growth.

Again incentives matter, and corruption changes the incentives in favor of unproductive rent-seeking activities and against the production of real goods and services. Easterly provides some numbers to give readers a sense of the enormity of the problem. Next, he discusses the corruption ratings of countries based on different definitions of corruption. He discusses the determinants of corruption, such as the extent of ethnic division of society, the importance of foreign aid, the rule of law, the quality of bureaucracy, red tape, and so on. Policies to control corruption are also discussed. In fact, the presence of distortions in the market can accentuate corruption, and economic reforms can therefore reduce corruption.

Governmental corruption is a tremendous deterrent to economic growth.  Often, most of the GDP finds its way into government coffers, and it is not finding its way back into the economy.  Unfair taxes are often imposed by such governments on imports and exports, stifling trade with outside countries.  With the economy so stifled, the businesses are unable to afford to trade with foreign countries, inflationary pricing sets in, and the black market grows.  This creates a demoralizing disincentive for business owners to engage in commerce, further stifling growth.

While there will always be difficulty in reforming a corrupt government, it is possible where government checks and balances are put in place to monitor other levels of government.  Administrative agencies and courts of review can help police the lower levels of government. Measures such as reducing the amount of government red-tape and eliminating black market premiums, and government-controlled real interest rates serve to curb corruption.  Lastly, non-corrupt governments should refuse to do business with or provide aid to countries whose governments are rife with graft. 
This can create an incentive to eliminate corruption, particularly if the country has few resources that are valuable without refinement or manufacture.  There is always the risk of corruption from the top down, but if there is enough support in the government itself and from the people, backed by enough actual power, it can be accomplished, as in Ghana.

Polarized Peoples
Easterly provides an extensive discussion of the effect of polarization on growth. He cites research indicating that greater income inequality leads to slower growth and greater political instability as measured by revolutions and coups. In addition, the most ethnically diverse nations have lower per capita growth, fewer public services and significantly greater risk of civil war and
genocide. Ethnic diversity is measured by the probability that two random members of a population speak different languages. Easterly notes that this measure of ethnic diversity is highest in sub-Saharan Africa, a region of the world, which has had a very poor growth performance over the last forty years.

Factionalized societies also put a damper on growth.  Instead of seeing incentive in spurring development and economic growth, the governments in such countries are incentivized to take the available resources and income, and redistribute it across the society. The author refers to such governments as being redistributionist (as opposed to developmentalist), in which different societal factions fight over the division of existing resource, and the government works to accommodate as many interests as it can.

Class warfare is a major deterrent to growth.  Oligarchies, societies in which the majority of wealth is owned by a small minority of the population, tend particularly disincentivize growth, because, similar to a corrupt government, much of the GDP ends up back in the pockets of the few wealthy individuals, dampening growth and creating disincentives among the population, as a whole.

Ethnic conflict is another factor in dampening growth in divided societies, particularly where a single ethnic minority in the population controls much of the wealth. The political and economic meltdown in the former Yugoslavia, in which all resources were focused on destroying ethnic groups not of the same class as the ruling party, killed regional growth and international trade for years.  There is no incentive to enter into commerce, when it or you may be blown up the next day.

The United States has bordered on such inequality for years, particularly as white Americans make up a smaller and smaller percentage of the population as a whole.  South Africa, was (and still is, to a degree) a more extreme example, with the white, colonial Europeans retaining the vast majority of the countrys wealth while subjugating the African majority, leaving much of the population in abject poverty, living in shanty towns.  Not only did such internal ethnic conflict stifle growth, but the political ramifications thereof, in the forms of boycotts and divestment from foreign governments and business, dampened South Africas ability to develop further.

Conclusion-The View from Lahore
Pakistan is a country with much to offer, but due to dictatorship, corruption, and a population lacking education, nourishment and shelter, and hope of economic growth remains in the distance.  In order for growth to occur, the impoverished must be given opportunities, polarized factions must coalesce and consider the economic future, and government must be held accountable for its actions by the people and other nations. 

In turn, the government must invest in health, education and legal institutions.  It must also strive to provide incentives to business and individuals in the way of technology and education.

Easterly bears witness to the lack of education, health and other basic services, as well as government corruption and interference and factionalization, while studying the developing world, but the success stories he encounters give him hope.  Easterly concludes with the point he has been making throughout the bookthat the correct incentives, spearheaded by the government, are necessary for economic growth.  At a minimum, economic growth requires government incentives encouraging technological adaptation and promoting primary level education donors who will only aid non-corrupt countries that have implemented effective policies to prevent the aid from being diverted into government or private coffers governments with a developmentalist mindset, rather than one engaging in redistributionist policies and a consensus from top to bottom that investing in the future should be at the forefront of any growth policies. 
 
And in spite of his criticism of non-government organizations, the International Monetary Fund and the World Bank, Easterly acknowledges that such institutions are necessary and play a pivotal role in the future economic growth of developing nations.

The Elusive Quest for Growth By William Easterly

EDUCATED FOR WHAT
There is a generally wide acceptance that education is the key solution improve the poor countries economic conditions. Using the simple causality between things, education can improve the human capital of the country that could eventually lead to a more productive country. Education teaches people skills that are essential if a country is achieving for growth. However, Easterly does not see the relationship of education to growth as to be simple. In this chapter he divided the discussion with his three main arguments that education explosion has nothing or little to do with growth, that skilled workers in poor countries still receive lower income relative to those who are in rich countries, and that education is worthless without incentives foreseen in the future.

Easterly strongly base his findings and opinions on a collection of wide range of studies. His first argument that the boom of education during the 1960s to 1990s has little or nothing significant to do with growth is based on several empirical studies. If the simple hypothesis that education is a panacea for growth holds, then the high enrollment of children should result in higher gross domestic product (GDP) of the country. Sadly speaking, statistics show that even if the average growth of enrollment rose up to more than double-digit percentage, the GDPs of these poor countries remain low (main example are African countries). But the discussion is not entirely about demonizing the image education can bring to the poor countries. Aside from human development, education can rise up human productivity. This makes sense and puts a light that there might be still a positive relationship between education and growth. However, Easterly believed that the rise in productivity will be vain in the long-run unless accompanied with other factors that impliedly pointed out in the next part of the chapter to be important. Another scholarly opinion that the author entertained is the reverse relationship of growth with education. Since humans are strongly driven by incentives, a positive forecast of the future growth will motivate the people to study now because, practically speaking, humans will not do things that will bring them nothing.

Education and income are two intertwined concepts because income is a great incentive for humans to educate themselves so as to be able to get a work. Mankiw did a strongly theoretically-based study about education and income with which his assumptions failed to capture the whole picture of the story. Easterly argued that the use of secondary education as the level in which growth will be much affected is an exaggerated one because primary education is much widespread and, adherent with early observations, has less effect on the variation in income. Secondary education, which is less widespread, is not a good tool to picture the effects of education with income. Another assumption that was seen to be farfetched is that capital flows would equalize rates of return to physical capital. With this, human capital (skilled worker) is only the one with differing rates of returns across countries and that the few skilled workers in poor countries will have the highest income. This is evidently wrong as we can observe movements of skilled workers to rich countries. The movement of skilled workers aggravates the hardships of poor countries in their quest for growth.

Last strong argument is that humans will not work unless they are motivated. Governments of poor countries should provide an educational system wherein the teachers will be motivated to teach quality education, the students will have ample school materials and the students will have the drive to improve themselves and eventually help out their country in the future. If these governments will fail and continue with their politically-motivated governance, then their citizens will just invest in political and even illegal activities.

CASH FOR CONDOMS
If it is not the education, then what other things should the economists be concerned about to stay put the poor countries in right path towards growth With the slow expansion of human and physical capital, some scholars say poor countries should economize their resources through population control. Some says that aside from the benefits of having a smaller size to govern, controlled population growth will secure better living conditions  wider space to live, water, quality environment, and food security. Aside from improved quality of life is that jobs will be more sufficient when population controlled because population growth is rapid that it exceeds the job creation rate. The solution that they proposed is Cash for Condoms.

The reports and suggestions of international organizations like United Nations (UN) have failed to realize the whole story. Due to the report of Cairo Resolutions in 1999, UN started giving away condoms to poor countries. This is due to its conclusion that there is a demand for smaller families and that access to safe and accessible contraception has improved but there are still many couples with no or little knowledge and funds for contraception. The campaign may seem to provide incentive for people to use condoms because aside from it is cheap, it raised the consciousness of the couples on the long-term costs and hardships of having many children.

Some studies concluded that for the past century food production has actually increased and their prices have become cheaper. At this point, advocates of population control are wrong in their claim that population growth will be the cause of food shortage and famine in the world and that there might be some other factors that strongly cause the food problem. Another morale of the story Easterly wanted to convey is that high population growth rates are actually choice of couples and that the allegedly unmet demand for contraception must be out of the concern and focus of international organizations. Women who have high number of desired births actually have high actual number of births and that this desire is a freedom nobody can take away.

Since some economists and scholars point at rapid population increase as the culprit of impeded economic growth, Easterly demanded for studies that will prove such claims. During the nineteenth century, it can be observed that when population growth is slow, the per capita growth is also slow. This is the observation that the author is pointing not to be ignored about. Examples of Third World having slower population growth accompanied with slower per capita growth means that it is a hasty conclusion for Thomas Malthus, Lester Brown and other population control advocates to say that too high population increase will lead to a disastrous nation with little or no room for economic growth.

On the brighter side of the story, more people mean more possibilities of having a genius that could eventually help the growth of economy. Aside from that, humans will have the incentive to strive hard as the elder generation does not want the succeeding generations to suffer from the hardships population size might bring. And when humans strive hard, they formulate new ideas wherein the food production will be sufficient, there will be technological advancements and eventually potential for growth. On the simplest explanation, larger population size can bring higher taxes which, in return, are used in growth and development of poor countries. Speaking of development, the idea should be quality over quantity and that the poor countries need to focus on developing the life of each of its citizens, not necessarily decreasing the number of its citizens. We should not be afraid of the number rather we should see it as a challenge and an opportunity to grow. Cash for condoms investment failed to provide incentives for couples to reduce number of children so we should rather refocus and turn into investing in people to achieve growth.

THE LOANS THAT WERE, THE GROWTH THAT WASNT
Loans are granted by donors such as World Bank and International Monetary Fund to needy countries not only to make profit for themselves but with hopes of helping them in their development. Since the 1960s, many loans were doled out accompanied with necessary conditions in order to really achieve growth. However, statistics show that not all poor countries grew even with the continuous support from the World Bank. The chapter suggests that adjustment loans miss to incorporate some important points

One reason why poor countries avail these adjustment loans is large budget deficit. Having this problem poses disincentives for growth because of uncertainties on public expenditure and non-conduciveness for private investment. Ironically speaking, the adjustment loans should have helped poor countries reduce budget deficit but some are stuck with this problem. Easterly admitted that World Bank commits mistakes by not considering the negative real interest rates of recipient countries. This is a crucial point the Bank missed because why would the donor want to give donation to a country that has a financial and banking crisis The goals targeted by loans will just be in vain because without an effective financial and banking system, inflation will continue to soar. Money will have little value and thus no incentive to save in banks due to decreasing returns on bank deposits and no incentive to invest due to fears of non-profitability and non-liquidity. Everyone agrees that with injection of large loans, inflation is inevitable, thus, giving loans to a financially-turmoil countries will just aggravate the problem. But the unresponsiveness of the Bank with these issues resulted to continuous granting of loans to countries with severely negative real interest rates. Evaluation of the current situation of a country is important and fast responsiveness of donors should be present so as to really rescue poor countries, as Easterly has also impliedly suggested.

It is unclear why the donors opt to give adjustment loans to corrupt countries because corruption makes everything about the country go bad. Unjust justice system, political turmoil and rent-seeking economic activities are given priorities and not policies that will improve the economy of a country. Accusations tell that donations are due more on political and self-interest of donors not on the necessary policy changes to pursue growth. But whatever the primary reasons of the awarding of loans, the recipient should focus on how to make the most out of the aid. However, there is a looming pattern that those countries given opportunity to grow return to what they traditionally do. Institutional and policy changes will likely to occur at the beginning then eventually poor countries become irresponsible and unnoticing that they are returning to the bad practices they usually do. In economics, changes occur not drastically but on the long-run so consistency on the set of policies should be observed.

Although adjustment loans can cover-up for the deficits, they speak of debts and possibly larger future budget deficits. Minimizing deficits today will automatically mean larger deficit in the future because of foregone earnings. In this case, the recipient should really dedicate itself in growing the economy by using the aid wisely through weighing the benefits and costs of either selling a state-owned business today, investing in massive resource extraction or lowering present interest rates. But the side stories are, the governments of poor countries devise creative ways just to acquire a grant and eventually drowning themselves with future deficits and debts.

Easterly criticized the debt forgiveness policies and he suggested that adjustment loans should be only given to countries which have shown changes and consistencies. The policies should be made first before presented to the donors for rigorous review and approval. This is to assure no wasted resources and to discipline the aid recipients to be more responsible and consistent with their actions.

FORGIVE US OUR DEBTS
Having discussed the loans poor countries enjoy, it is now critical asking the question on how they will pay the principal plus the interests of their debts. We know that debt can double its figure when compounded in time and not paid in time. Since it has been discussed that the adjustment loans can not automatically bring help in economic growth, it is now put into concern whether the countries granted with loans but with little or no economic improvement can actually pay their foreign liabilities.

The source of payments for debts is the national budget and huge part of it goes to the debt servicing. It is important for the poor countries to pay even a little portion of their debts so as to avail future loans. Before the entrance of new millennium, there is a worldwide call from the public to allow debt forgiveness because instead of allocating the poor countries national budget for public use, much goes to the debt servicing. The advocates of debt forgiveness have these sentiments that debt to World Bank and IMF impoverish the poor countries that these countries can not move on and rise up from poverty because of debts. In the sense, they were right that large portion of budgets is dedicated to debt servicing and that less is left for public use, however, the effect of adjustment loans should not be that way. If only the governments are efficient and responsible enough with their policies, the poor countries will not be highly-indebted and instead will have opportunity to grow and develop.

The campaign failed to realize that debt forgiveness is already in practice decades before the new millennium. In fact the World Bank and rich countries have drafted series of agreements about raising the amount of debt to be forgiven and have made new policies wherein debts will not be a very large burden to Highly Indebted Poor Countries (HIPC).

Given the favorable provisions of debt reliefs, poor countries may be dependent on the fruits of this favor and continue to be irresponsible. Expounding the peoples response to incentives, there is a high positive relationship between debt reliefs and new borrowings. If a country knows that some of his debts will be forgiven in the future, with interest rates charitably set lower than the prevailing market price, then there is an incentive to borrow much today. This is supported by evidence from World Bank with new borrowings higher than the cancelled debts of forty-one HIPCs. This is one argument against overly charitable debt reliefs because poor countries become not so serious about developing their country in expense of the foregone earnings the donors must have collected. If this continues, then no development could be achieved debt reliefs will not solve anything aside from erasing previous debts.

Acquiring debts today means mortgaging the future, as Easterly always insist. The debt to export ratio is a good proxy measure on how well poor countries may be when they have been granted debt reliefs. People should not be blinded by the immediate drop in this ratio after the relief because the main highlight is not seen on figures. During the continuous debt reliefs for forty-one HIPCs from 1989 to 1997, the debt to export ratio is decreasing gradually and then dramatically (due to improvements of relief conditions). But this did not improve the conditions of HIPCs, in fact, per capita income of HIPCs between 1979 and 1998 declined strong evidence that debt reliefs will not help poor countries grow and develop.

All the blame should not be vested only to the irresponsible borrowers but also to the irresponsible lenders. If the rich countries and World Bank would want to teach poor countries on how to run their countries, debt relief should not be the solution. But if a poor country shows consistent economic improvements over the years, then they must be the ones eligible for debt reliefs.

TALES OF INCREASING RETURNS LEAKS, MATCHES AND TRAPS
So far Easterly concluded that education, population control, adjustment loans and, debt reliefs can not be perfect panaceas for economic growth but the quest for finding solutions to the growth problem did not stop. It has been argued that human capital is not enough unless it is accompanied with technological or physical capital acquisition. Given fixed labor, returns on technological investments will be not diminishing as long as a country finds knowledge of new technologies that economizes their number of labor. Thus technological improvements can hypothetically potentially help an economy grow.

The largest economies in the world are highly industrialized each with high level of productivity and returns to the assets. With computers, information can be leaked fast and ideas are spread in split seconds. The poor countries can have a wide range of sources to learn the technology of rich countries. Knowledge teaches new techniques and skills used in creating things or devising ways that can directly prop up production output. If a poor country wanted to grow, then it must also consider the importance of having knowledge practical knowledge that could make machineries which are toys in developing the skills of workers. In turn, expansion of knowledgetechnology as well as human capital could possibly induce growth.

Ideas can be passed on and learned by other people thus ideas can not be fully owned by a single person. Creative business ideas are leaked and applied by other businesses (competitor or not) when deemed appropriate and profitable. The story will be back to one of the main concern of economics  the increasing returns  which can be achieved if there is knowledge on how to produce things at the lowest possible cost. Continuous leak of knowledge is beneficial as ideas can be used and reinvented through time. Easterly points out the difference between the natures of machineries with knowledge diminishing returns does not apply in knowledge investment. Another nature of knowledge is that the more ideas are made, the more they would be beneficial because new ideas are improved versions of the old ones. Through the pursuit of improving the existing knowledge, more efficient, effective and useful machineries can be invented and countries wanted this to happen. Non-diminishing and increasing returns to new knowledge will be then followed by incentives to further improve. Overall, knowledge leaks increase returns to the society and not to the private since they will be endangered by competition as their ideas are pirated by other private entities.

Knowledge returns will be based on how much knowledge a country has. Easterly argued that a country with more knowledge will have higher returns than a country with less knowledge. The trap can be pictured in this relationship first, poor countries have existing problems on providing matched skills thus low returns on those skills second, low return on those skills is a disincentive for people to achieve education and learn high-level skills (as also explained in chapter 4) third, people will decide not to invest in acquiring new knowledge which is a threat for growth and development. Thus, a poor country will surely face doubled challenges since it is already having limitations.

Acknowledging the fact that there are still barriers in knowledge utilization and application, it is suggested that government should invest in new knowledge, provide matching skills for high-level skills to encourage learners, and keep policies that will retain incentives for the private sector to invest in new knowledge themselves. With this, poor nations can be unleashed from the trap and get out from the curse of poor being forever poor.

CREATIVE DESTRUCTION THE POWER OF TECHNOLOGY
The past should be left behind in order to move forward but the lessons must be kept as guidance of what we must do in the present and prepare for the future. Poor nations are characterized by low level of technology and if technology is important in growth, then they must have been lacking what is essential to get out of poverty. But it must be put into caution that having technologies do not guarantee growth because technologies, as discussed in the previous chapter, should bring about increasing returns to scale and provide incentives for people to learn skills.

Related to Chapter 8, new knowledge means creativity to turn ideas into something more useful to the present and this chapter is about technology being reinvented, about leaving the past techniques and machineries to more sophisticated ones. For example, we started out with typewriters for manual encoding but today almost all of advanced countries use computers since it allows faster and more accurate results. This scenario is about Joseph Schumpeters idea of creative destruction of technology. Creative in the sense that destruction (i.e. shift from typewriters to computers) leads not to hardships but to more progressive things. Now, given ever progressing technologies, the concern must be how these new technologies give incentives to encourage users of old technologies shift to the new ones. This poses looming problem between the younger and older generations, between the traditional and the new. The problem will be unending because the new today will later be old and there will be new set of new. But somehow this problem can be addressed through government intervention. Some people might be afraid of change so the government must take initiative for the people and businesses use the available new technologies.

But how can technology flow from the rich to poor countries The first channel is through Foreign Direct Investments (FDI) and the other is through importation of new machines. The FDI enables multi-national companies to invest in differing countries and it can be observed that more and more poor countries welcome FDI in the hope for higher national income and more jobs for its citizens. Foreign companies bring along their assets especially machineries into poor countries where they will invest because they know that there are strong possibilities that such technologies are not available. In return, at the very least, poor countries can have idea on the new technologies existent in rich countries and might encourage local businesses shift from their old technologies to the new ones brought by FDIs. The other way is through direct importation of new machines. The local businesses, after learning new technologies, might realize that it would be more efficient for them to change machines but they are constrained with the lack of availability of such machines. So governments help and support for machine importation is needed and by doing so, they promote use of new technologies at the same time.

Thus change must be embraced and path dependency should be abolished if a poor country really wanted growth. Present and future plans should not be greatly affected by past decisions especially when those past decisions did not really bring good for the economy. Poor and war-wrecked countries should forget about their past and move forward to the future. In this way, they free themselves from the grim of past paths they have taken and move towards new society aiming economic recovery and growth.

In conclusion, since information about new technology is widespread and machines can become accessible, innovation can be possible in poor countries as long as proper incentives are present. 

UNDER AN EVIL STAR
From here we know the panaceas that failed the how and why they did not become successful in achieving growth. The previous chapter has proposed a possible solution but all of these come with the phrase ceteris paribus  meaning when there is no disaster. Disasters such as calamities and plagues endanger the economy as a whole because it affects people which are one of the primary key for economic growth. Without the hands of laborers, machines can not be made and operable.

Studies show that poor countries are more sensitive with the disasters and calamities. Poor countries have poor infrastructures and poor disaster management. If a disaster strikes, it can kill thousands of people and destroy houses at a time. Of course the government can not leave its people like that so it is expected that they should shell-out funds to help their affected citizens. In short, disasters bring unexpected expenses and may result to deficit that is why poor countries appeal for international donations when they become disaster-wrecked.

It is an appealing idea that everything must be under control but one should not forget the concept of luck. Disasters are inevitable and the governments should know how to deal with them in times when needed. The more unprepared the economy is with shocks, the more the country will suffer. Another point is that bad luck creates disincentives for people. For example, if an economic growth plan is set to be implemented and unexpected happenings occur, people will be disheartened that the plan can be still carried out. Thus luck is important for economies as it dictates whether expectations will be positive or negative. Easterly presented the importance of luck in simple logic. Countries should entertain the concept of luck as it relates to the basic concept of human existence the survival of the fittest. If a country is not fit enough to be adaptive with economic and other types of disasters, the less possibility it has to achieve development and growth.

With luck, those on the top may fall down and those on the bottom may rise up. A country doing good for a decade may not do well in the next decade because luck is ranging 50-50 percent. The country not doing well in that decade can announce that they will be doing well on the upcoming decade and that the other country is expected to fall down. This is the concept called mean reversion which is used by countries to uplift expectations of one and demonize expectations on the other. Funny it is but the mere statements of leaders and scholars could greatly influence expectations of rich and poor countries. The gut feel can create domino-effect on its own businesses and people and on other economies as well.

However, growth is not just a game of luck. Although many panaceas have failed us to combat poverty, it is not logical to base our explanations out of the uncertain. There must be other explanations on why growth did not persistently happen to majority of poor countries and some of them are explained by Easterly on succeeding chapters. Poor countries should not be disheartened and totally focused on the short-run effects of disasters rather they should focus on the long-run effects because they are all that matters. Attaining growth is a long-term objective that should not be solely dependent on the concept of luck because there are other set of solutions aimed at targeting growth.

GOVERNMENTS CAN KILL GROWTH
In this chapter the author closely examined the role of government in pursuing economic growth. The previous chapters pointed out the shortcomings andor mistakes governments commit in the light of providing general incentives that are critical in pursuing growth. It is not scholarly to blame non-growth to the bad luck (as previously discussed in chapter 10) because remaining poor is not something dictated only by fate it is an effect of bad policies and bad practices of a bad government.

The six factors that kill growth are high inflation, high black market premiums, high budget deficits, strong negative real interest rates, free trade restrictions and government disservice. These concepts are already pointed out in previous chapters but here each are discussed more in-depth. High inflation rate creates disincentives for the people to hold money because there are lower returns for holding such. There will be disincentives for people to deposit money on banks because the interest rates banks offer are way too much lower than the rate of inflation each year. In return, the avoidance of money may cause production inefficiencies because money is a critical input. Another mistake that can kill growth is creating a high black market premium. Transactions in the black market operate at a convenient way for people to earn larger money than in the official market. High black market premium creates incentive for people to engage transactions in the black market than in the official exchange rate market because of higher exchange rates offered. As a result, people will find places where they could sell their outputs at a higher price  a prelude to smuggling of goods to have greater returns. Thus a disincentive for people to engage in legal businesses in which no real economic growth will happen.

Budget deficit, as mentioned previously, is an impetus for governments to borrow but also an effect of that borrowing in the future. Persistent budget deficits make people fear future tax hikes because the government has all the power to increase them when needed. With this, the people are rethinking if they are going to invest their money because an additional investment and higher income would mean higher taxes for the government to cope with deficits and to pay debts. Negative real interest rates can paralyze banks because depositors will run out from saving in banks during hard times especially when inflation rate strikes high. Deposits are the main source of credit funds for investments. Without which, the economy will slow down and thus slow growth. Since depositing money when there are negative real interest rates will bring nothing but losses, we can consider money in banks as assets subject to tax. Another way to kill growth is for government to close the country through trade barriers. Aside from expanding the choices of consumers, trade theoretically creates a competitive world market wherein prices will be competitive and flow of resources is free in between countries. Thus trade interference will bring pricing distortion and causes a country to be inefficient in terms of use of their resources. Since people act upon incentives, governments should create incentives for its people to work, to invest and to cooperate. This can only be achieved if the government is successful in providing even the most basic necessities of its citizen. Without public utilities like roads, water, electricity and others, the government actually kills growth because this uncomfortable condition discourages entrepreneurship. The causes of disservice may be due to corruption which will be discussed in the next chapter.

However, it should be noted that the policies suggested in one country may or may not work effectively for other countries in achieving growth. The problems should be well identified and measures should be aimed at solving them at minimal incurring negative effects.

CORRUPTION AND GROWTH
Corruption is a political issue that has adverse effects not only on political order but also on economy. From the previous chapter, we know that corruption results to government disservice and lack of service for the people which eventually lead to killing incentives for entrepreneurship. Greed can be considered innate to us human but the level of seriousness for some countries is higher than the others. Countries have institutional differences thus some countries may have provided stronger incentives for officials to be corrupt than the others. Another issue discussed is the impact of corruption up to what degree does corruption negatively impacts growth

Corruption does not only happen in higher officials such as president and cabinet secretaries but also in lower and local positions such as government employees like policemen. With the power the government system has bestowed on top of police heads, people may be afraid to contradict them even when they abuse power. As a result, bribery is the main business of police especially on poor countries.

Corruption may or may not directly impact growth because it may impact other factors (budget deficit, negative real interest rates, etc.) which eventually have direct connection with slow or non-growth. As an example, overstating budget expenses of government institutions will mean disservice to people because of higher expenses but lower quality of service from government. Aside from disservice, this would contribute to budget deficits since more must have been invested in other services. That is why statistics show that most corrupt countries have high budget deficits.

It has been mentioned that corruption is done not only by top ranking officials but also by low rank employees. Easterly characterized the difference of the two because the have differing means of stealing money and impacts on the society. Decentralized corruption is when officials, high and low ranking, have no one systematic way of sucking money. Each has their own means and each is competing with other corruptors, thus, more money is put on the hands of these many corrupt officials. Unlike with centralized corruption, there is a systematic channel wherein the beneficiaries of ill-gotten wealth are identified and the amounts are specified. It is like having an organized mafia inside the government. If more and more top-ranking officials are engaged in corruption activities, the less likelihood they will be punished. And even if the state was able to prosecute one corrupt official (even if he is the most powerful among others), the corruption will still not end because more corrupt will just rise up. Corruption, hence, can be a system or culture of governments especially when it is centralized.  At the light of centralized corruption, Easterly stressed out the concept of optimal corruption in which he implied that being too aggressive in corruption will just lower the collection of bribes and ill-gotten wealth because the state may revolt. This may be why top to down centralized corruption does not necessarily mean negative growth. Impliedly, centralized corruption aims to improve growth so that more can be corrupted in the future. Thus it is favorable to do decentralized corruption because money is much more accessible (in form of money, foreign aids and commodities) and amount of money that can be extracted is higher as a result of thinking that each only has small negative impact on the economy and that they do not care whether there will be growth or not.

Corruption in general can be alleviated through setting-up quality institutions in wherein there is real transparency and establishing policies that will eliminate incentives for corruption. Although corruption is proven to be ubiquitous, it can be alleviated through institutional reforms.

POLARIZED PEOPLES
Much has been discussed about the incentives for growth and in this chapter the focus will be the reverse  incentives to kill growth. Governments are not fully dumb of their actions and some may actually see the results of their policies from the very start. In economics, everything has trade-offs and policies are good illustrations on these. If the government knows that one trade-off of a policy is negative effects on growth, then what are the incentives to pursue the policy

It is wrong to hastily conclude that politicians destroy growth because they act according to incentives of engaging in corruption activities. It should be not explained this way because growth per se must be an incentive for them to support growth, so that they could have larger takes in the future. One fact that we are missing is that government is not homogenous it is a collection of politicians representing different factions. These factions have different point of views as well as varied self-interests. The concept of tragedy of the commons can be applied in this scenario. The more stakeholders there are in a policy, the more conflicting the effects of the policy will be, given that stakeholders have different interests. Politicians represent the interests of their faction and the more faction there is, the harder it is to decide policies. Thus there may be always a group that is negatively affected when a policy has been passed. In a way, it can be said that a too democratic country often experience tragedy of the commons.

But autocracy should not be seen as the best possible solution to address this problem because aside from it will heighten the sentiments of groups, autocrats may just also conciliate multiple interests. Thus the debate should not be democracy versus autocracy but rather on the strength of central government in controlling the situation and the heterogeneity of stakeholders. It is easier if there are no conflicts of interests but this idea should not be entertained as this may seem to be impossible. Thus the choice will be between having a strong central government with supporters in consensus or a weak central government made up of polarized factions.

The governments are torn between interests of the people and the strong groups are favored. Groups with voice heard over the senate and congress have stronger lobbying powers than the people in remote areas. Political favor is the tool for people to have what they want. So it must be the rich and powerful who have the favors and the opportunity to influence policy decisions. With this, the policies will bring benefits to the rich and powerful at the expense of the poor and voiceless. Supporting the rich and powerful will, in return, bring politicians incentives due to future favors they could get in times when they need it  especially during elections.

Policies aimed for growth will achieve their objectives if and only if class conflict and ethnic tensions are not present. If the extremes are undesirable then it might be the middle that is desirable. Middle-class consensus can result to good institutions, good economic policies and high economic growth, just like what statistics has been saying. In a middle-class consensus, there are minimal ethnic differences and similarities in interests. And this similarity will solve the tragedy of the commons the policies are favorable for all. Thus a middle-class consensus can create incentives for growth  from creating pro-growth policies to giving incentives for people to work. The wealth should not be concentrated on few people belonging while little was left on the masses. Redistribution of income should be done until the government achieves a society of middle-class. 

CONCLUSION VIEW FROM LAHORE
Extremely poor countries like Pakistan may seem to be hopeless as every aspect of Pakistani life is challenged. Low technological advancements, low quality education and low enrollment turn-outs, poor and unused infrastructures, large budget deficit, corruption, and others characterize the grim situation poor countries experience. The problems are way easier to point out because it can be seen but what are more important and hard to deceive are the solutions to these problems.

Throughout the discussion, piece by piece Easterly was able to point out what went wrong in poor countries. The solutions are wholesome they must work hand-in-hand in order to be not astray from the path to growth. The solutions (not panaceas) that the author rigorously discussed can be summarized using three points of views government, donors and private households and businesses.

Perhaps the most critical and central agent for economic growth is the government because it is the one responsible for policies that affect the economy in the short and long-run. It is the job of the government to provide incentives for people and businesses to invest in education and technology to help pump up the economic growth. However, this is hindered by culture of corruption and polarized societies so the government should devise ways and decide policies which will bring out greater good and not necessarily good for some people only. Second point of view is of the donors of loans and aids.

To really combat the problem of poverty, donors should be cautious about their loaning policies and conditions because loan is not a panacea for growth and that it may only just bury poor countries with more budget deficits and debts. Policies should be presented first and be evaluated before giving out loans because if the policies are weak and self-defeating, nothing could be achieved and thus waste of resources. Last is the point of view of private individuals. Households and businesses should have a positive outlook and be motivated when their government is taking actions because all of the measures will be in vain if people will not respond. When a government is able to put up incentives for progress, people should cooperate so that goals can be achieved.

It may sound difficult and worse, hopeless, for poor countries like Pakistan to start again but they should also look at the brighter side of the story. Poor countries should first learn from their past mistakes and leave them behind. International institutions like IMF and World Bank already realized that the panaceas have failed and proposed that the three points should be given enough attentions. With the help of these institutions, growth can be possible as long as poor countries are also committed in achieving growth and not on receiving aids for short-term solutions. And that the government and people of these poor countries should patiently work out things because growth can not be achieved with just one shot. Growth will definitely take years of hardships and unexpected challenges.