51.   Clarke said the bank and fund must lead the way in helping the poorest countries, especially those that owe them a large proportion of their debt.

52.   Fiscal tightening continues to weigh on spending, the bank said.

53.   Greenspan said banks going into these new areas needed to have a good understanding of the risks involved.

54.   He said banks which provide specialized services, such as Islamic banks, would likely survive.

55.   He said insolvent banks, whose difficulties cannot be overcome through mergers or acquisitions, will be liquidated.

56.   He said the bank stood by its own figures.

57.   He said banks that are undercapitalized need to procure funds on the market or by increasing their retained earnings.

58.   He said banks wereallowed, even encouraged, to grant study loans.

59.   However, there are implications for the Brunei dollar, which is linked to the Singapore dollar, the bank said.

60.   In many countries, government-backed prevention programs do not reach people with the riskiest behavior, said the bank, a leading international lending agency.