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That will require establishing effective regulatory structures that facilitate long-term borrowing and repayment, while ensuring that lenders do not exploit borrowers, as has occurred everywhere from rural India to the United States mortgage market.

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In Kyrgyzstan, just over the last few weeks, unprecedented levels of violence occurred between ethnic Kyrgyz and ethnic Uzbeks.

The lowest number of combatant casualties occurred in 2003, with just 20,000 killed.

As it turns out, it occurred to Tom that a $20 helmet is a good way to protect a $100,000 graduate education.

And frankly, although I keep getting asked this, it never occurred to me that anybody would turn me down under the circumstances.

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