21.   The reforms would mean slower growth over the next couple of years, Camdessus said.

22.   Blatter denied the proposed reform would mean automatic qualification for Australia, currently by far the strongest team in the region.

23.   But the bank warns the required reforms mean a level of investment too huge to be absorbed by the public purse.

24.   Despite government assurances, they fear the reform will mean pay cuts.

25.   Meanwhile the welfare reform will mean an end to federal assistance to many refugees and immigrants, creating serious hardship for elderly Bosnians.