I am tempted to say just another year has come and now trickles into a forgettable history. After all, it was another year in which people continued to kill or be killed for senseless reasons. It was another twelve months where wars were fought and won or loss, depending on which side of the fence you sat on…
But it is unfair to just write off 2003… for it was a year in which new widows and orphans were birthed and the world entertained itself with theatrical sequels while Iran shuddered to a deathly standstill – reminding us of our human frailty. It was a year where people found new reasons to end the lives of those less guilty, and the long hands of the law finally catching up with those thought guiltier.
Rather than focus on one particular person, incident or catastrophe, I’d like to view 2003 as it was etched on the faces of those I come to contact with. Their demeanor and attitudes towards the coming year reflect the change that the past year has inflicted or in many cases afflicted upon them.
For some, the year ahead is a safer place to dwell in. For others, the New Year carries new expectations. Meanwhile there are those that ponder the “what ifs” – what if SARS comes back? What if Al Qaeda strikes again? What if the new year is not what we expected it to be?
Personally, in retrospect, it was not a year I’d soon forget. For a million reasons and more, 2003 was one of change. And for one reason alone, it was a year to remember – as I await the impending birth of my first child. Have a blessed year ahead and God love you!
Wednesday, December 31, 2003
Free tuition scheme for poor primary school pupils
The Star reports that the MOE is offering free tuition for students. The question I'd like to ask is, "if they couldn't get it right the first time, is there any reason they'll do so this time around?"
Monday, December 22, 2003
Rio-gate II - Between the Devil and the deep blue sea...
4thegame.com reports that FIFA President is threatening unprecedented repercussions if the English champions decide to pursue their protestations to the courts. FIFA statutes forbid clubs from taking civil action against their national associations, and the next acceptable course of action in the eyes of the world body, is to go to the Court of Arbitration for Sport in Lausanne - which is not unlike walking into a trap with their eyes wide open.
The plain fact is that the 8 month ban was slapped on Ferdinand with one eye on the political whims of Sepp Blatter (read my high road theory below), and another on the fact that this case sets a precedent given the reality that there really is no provision in the rule book for dealing with this case. By standing on the middle road, the independent disciplinary committee is merely highlighting its impotence in meting out a fair judgment based on the facts - which is: that the idea of Rio Ferdinand actually being guilty of taking drugs was never called into question and that the misdemeanors revolved around procedure and the young lad's stupidity.
The questions that need to be asked are:
1. How is FIFA above the law in this sense?
2. If there was no provision in footballing laws, how did the committee come up with the 8 month tenure? If he was guilty of taking banned substances, impose the maximum ban. If he was guilty of procedural non-observance, is a 8 month ban justified, if compared for instance to Roy Keane's punishment over the Haaland affair?
3. What are the powers of the FIFA President? Does he wield god-ly powers in such a way that all in the game are subservient to his dictatorial ways?
As I concluded before, Ferdinand will never get a fair hearing and the only way to mitigate this will be to revamp the current system starting from the helm of FIFA. In this sense, Ferdi will never walk alone.
The plain fact is that the 8 month ban was slapped on Ferdinand with one eye on the political whims of Sepp Blatter (read my high road theory below), and another on the fact that this case sets a precedent given the reality that there really is no provision in the rule book for dealing with this case. By standing on the middle road, the independent disciplinary committee is merely highlighting its impotence in meting out a fair judgment based on the facts - which is: that the idea of Rio Ferdinand actually being guilty of taking drugs was never called into question and that the misdemeanors revolved around procedure and the young lad's stupidity.
The questions that need to be asked are:
1. How is FIFA above the law in this sense?
2. If there was no provision in footballing laws, how did the committee come up with the 8 month tenure? If he was guilty of taking banned substances, impose the maximum ban. If he was guilty of procedural non-observance, is a 8 month ban justified, if compared for instance to Roy Keane's punishment over the Haaland affair?
3. What are the powers of the FIFA President? Does he wield god-ly powers in such a way that all in the game are subservient to his dictatorial ways?
As I concluded before, Ferdinand will never get a fair hearing and the only way to mitigate this will be to revamp the current system starting from the helm of FIFA. In this sense, Ferdi will never walk alone.
Thursday, December 18, 2003
Riogate a Mis-trial
For those of you thinking that the Rio Ferdinand issue will be put to rest after today's disciplinary hearing... don't hold your breath. I am not concerned any longer with the impact this may have on the club - if the young man is on drugs or willfully thought he was above drug testing, throw him in the slammer and toss away the key.
Comments from the FA, PFA and Sepp Blatter's ridiculous outbursts have done the sport (and in the case of FIFA's president) little credit. On one hand, the FA needs to be seen to be doing the right thing, irrespective of the reality of it all. This means a lengthy suspension for Ferdi and a shot in the foot for England's preparation for the Euro competition. Of course, rival warlords (some entrenched within the poweful corridors of Highbury) will want to see United's challenge take a body blow. Sepp Blatter on the other hand wants to take the high road on this, questioning United's right to play the defender when it is clearly within the rules of the game at the moment. Unfortunately this is nothing more than a pot calling the kettle black given the questions raised about Blatter's own personal dealings within FIFA.
The lack of objecivity and conflict of interest is too evident. The "judiciary" in this case have too much vested interests to do the right thing, and the "Supreme court", in this case FIFA's disciplinary committee is as independent from the political side of FIFA (spell that as B-L-A-T-T-E-R) - a poor substitute if all it does is get Sepp Blatter what he wants!
In an ordinary court of law, this would be a mis-trial. Will Rio be banned? Will Blatter get his "high ground"? Will it all matter?
Comments from the FA, PFA and Sepp Blatter's ridiculous outbursts have done the sport (and in the case of FIFA's president) little credit. On one hand, the FA needs to be seen to be doing the right thing, irrespective of the reality of it all. This means a lengthy suspension for Ferdi and a shot in the foot for England's preparation for the Euro competition. Of course, rival warlords (some entrenched within the poweful corridors of Highbury) will want to see United's challenge take a body blow. Sepp Blatter on the other hand wants to take the high road on this, questioning United's right to play the defender when it is clearly within the rules of the game at the moment. Unfortunately this is nothing more than a pot calling the kettle black given the questions raised about Blatter's own personal dealings within FIFA.
The lack of objecivity and conflict of interest is too evident. The "judiciary" in this case have too much vested interests to do the right thing, and the "Supreme court", in this case FIFA's disciplinary committee is as independent from the political side of FIFA (spell that as B-L-A-T-T-E-R) - a poor substitute if all it does is get Sepp Blatter what he wants!
In an ordinary court of law, this would be a mis-trial. Will Rio be banned? Will Blatter get his "high ground"? Will it all matter?
Tuesday, December 16, 2003
No funding woes, says EPF chairman
No funding woes, says EPF chairman, but excuse me if I take it with a large pinch of salt! Based on what board chairman Tan Sri Abdul Halim Ali said, the fund grows by RM 20 billion a year, of which RM 10 billion is net contribution (i.e. less withdrawals). With the fund now in excess of RM 219 billion, that means a return of 5% from last year (I am just approximating mathematically), accounting for the dividend of 4.25%. That means 0.75% was retained (amounting to RM 1.64 billion) for what? Take the basic rule of return on investments, retained "profit" in this sense should yield more that the cost of capital (in this case, the expected return for using my money - the 0.75% that I shoud have received but deferred) which is more that the 4.25% plus the premium for timing delays. Yet dividends have been dropping since 1998!
I know this is simple accounting. So prove me wrong. I am not against protecting the future of retirees, mind you. A structured withdrawal program that will help manage their stipend while allowing them to make the necessary large investments (house, small business etc.) without undue problems. What I do not agree with is the use of this as an excuse for poor stewardship! The rakyat should be convinced of this rather than made (privately or otherwise) to swallow everything the EPF or Govt says without question.
Given the people's anger and disbelief, I belief an independent audit of EPF's investments and financial commitments should be conducted immediately. I would like to know where our money did not make returns and why this was so. Our money is not intended to fund the extravagances of a select few and we should not be made to pay for the mistakes of the same individuals. I am angered by EPF's claim that a majority of individuals lose most of their savings within years of withdrawal, and in turn they will probably do the same for us - wholesale! You want to know which way my vote is going? I am going to vote for the govt who promises to show us the big picture.
I know this is simple accounting. So prove me wrong. I am not against protecting the future of retirees, mind you. A structured withdrawal program that will help manage their stipend while allowing them to make the necessary large investments (house, small business etc.) without undue problems. What I do not agree with is the use of this as an excuse for poor stewardship! The rakyat should be convinced of this rather than made (privately or otherwise) to swallow everything the EPF or Govt says without question.
Given the people's anger and disbelief, I belief an independent audit of EPF's investments and financial commitments should be conducted immediately. I would like to know where our money did not make returns and why this was so. Our money is not intended to fund the extravagances of a select few and we should not be made to pay for the mistakes of the same individuals. I am angered by EPF's claim that a majority of individuals lose most of their savings within years of withdrawal, and in turn they will probably do the same for us - wholesale! You want to know which way my vote is going? I am going to vote for the govt who promises to show us the big picture.
Monday, December 15, 2003
Saddam's Syrian Deal
Jihad Unspun suggests that the Iraqi leader may have brokered a deal that may see his sentence reduced to life imprisonment while pave the way for a potential invasion of Syria.
As the search for WMD, the one half of the holy grail (the other being Saddam himself) continues, analysts are keen to confirm reports that Saddam transferred some of the weapons to Syria on the eve of the U.S.-led invasion of Iraq.
An attack on Damascus would not be taken lightly and could enflame further the volatile middle east, but evidence of WMD could be the justification.
Meanwhile, a US-Saddam deal may protect the integrity of the US Administration of the past and possible this present. The mouth-watering prospect of detailed disclosure by former ally Saddam could cast an evil eye on the mechanism of American intervention in shaping the Middle East.
The last thing the Bush Administration wants in the background of his re-election campaign is a Air Marshall (Third Reich) Hermann Goering style defence before an international war tribunal, adding fodder to the Democratic ticket.
Which is why the idea of a Bush-Saddam deal seems quite plausible.
As the search for WMD, the one half of the holy grail (the other being Saddam himself) continues, analysts are keen to confirm reports that Saddam transferred some of the weapons to Syria on the eve of the U.S.-led invasion of Iraq.
An attack on Damascus would not be taken lightly and could enflame further the volatile middle east, but evidence of WMD could be the justification.
Meanwhile, a US-Saddam deal may protect the integrity of the US Administration of the past and possible this present. The mouth-watering prospect of detailed disclosure by former ally Saddam could cast an evil eye on the mechanism of American intervention in shaping the Middle East.
The last thing the Bush Administration wants in the background of his re-election campaign is a Air Marshall (Third Reich) Hermann Goering style defence before an international war tribunal, adding fodder to the Democratic ticket.
Which is why the idea of a Bush-Saddam deal seems quite plausible.
Hands off my money!
Here's my thoughts on EPF's idea to prevent me from withdrawing in full my retirement money:
1. Do you call the paltry 4-5% dividend just reward for our savings? Stop putting our money in the hands of SMAB and friends, and you may just make better yields.
2. EPF opined that they were protecting our interests since most contributors tended to spend all their money within 3 years. The point is that while insurance is guaranteed by Bank Negara, the EPF is not. Meaning is these ill meaning maggots misuse OUR money, it's our hides that take a beating, not theirs. Heck, my father waited till he was 55 to buy himself a house and now the EPF are telling us that this is no longer our prerogative?
I suggest that the people behind this idea be made to do just that with their EPF savings...
1. Do you call the paltry 4-5% dividend just reward for our savings? Stop putting our money in the hands of SMAB and friends, and you may just make better yields.
2. EPF opined that they were protecting our interests since most contributors tended to spend all their money within 3 years. The point is that while insurance is guaranteed by Bank Negara, the EPF is not. Meaning is these ill meaning maggots misuse OUR money, it's our hides that take a beating, not theirs. Heck, my father waited till he was 55 to buy himself a house and now the EPF are telling us that this is no longer our prerogative?
I suggest that the people behind this idea be made to do just that with their EPF savings...
Friday, December 12, 2003
In living colour...
Coloured hair may be trendy but stick to grey or black if you want to apply for MyKad at the National Registration Department (NRD), reports the Star.
“Problems will arise if the police cannot recognise the bearer from the photograph in his identity card if he changed his hair colour later on,” explained State NRD director Muhammad Pauzi Abdullah.
Now let us suppose that I am ignorant enough to question this line of reasoning. Surely a potential felon will still be able to change his/her hair color and style to try and evade detection. So what is the rationale for this again? And supposing a girl has blonde hair because her father is British and her mother a second generation immigrant from Bosnia? Should she either dye her hair or point to the roots of her hair to prove that she is naturally and legally blonde?
While I understand the underlying reason for this, the manner in which this was explained leaves much to be desired. No wonder certain ministers feel they are beyond the criticism of civil servants! Maybe it's because of this lack of common sense that rules need to be enforced on a strict black and white basis, i.e. stictly by the book, since those in charge and below can't seem to exercise a proper value judgement on something so objective...
“Problems will arise if the police cannot recognise the bearer from the photograph in his identity card if he changed his hair colour later on,” explained State NRD director Muhammad Pauzi Abdullah.
Now let us suppose that I am ignorant enough to question this line of reasoning. Surely a potential felon will still be able to change his/her hair color and style to try and evade detection. So what is the rationale for this again? And supposing a girl has blonde hair because her father is British and her mother a second generation immigrant from Bosnia? Should she either dye her hair or point to the roots of her hair to prove that she is naturally and legally blonde?
While I understand the underlying reason for this, the manner in which this was explained leaves much to be desired. No wonder certain ministers feel they are beyond the criticism of civil servants! Maybe it's because of this lack of common sense that rules need to be enforced on a strict black and white basis, i.e. stictly by the book, since those in charge and below can't seem to exercise a proper value judgement on something so objective...
One instance of delay that I like...
Screenshots... a.k.a. the inquiring Jeff Ooi's blog brought a smile to my face. This was not typical civil servant mentality, and certainly the word Machiavellian did not come to mind - which probably was why the nation roared with one voice its approval at good common sense. The controversy surrounding the double track project, and the way it was awarded made it a sweet story for the political watchdogs. Let's not just stop at using the word "mega" (see below for clarification) - instead, let our leaders helm a responsible attitude towards development. We have enough tycoons in Malaysia and not enough "typhoons" to undermine the misplaced affalibility that some of these personalities have come to adopt.
And I am not just poking my finger in the direction of the mega projects, lest we forget the humbl-er beginnings of some of these tyrants... let us also once again call to question the likes of MINDEF's SMS campaigns that are no doubt designed to yield, albeit not billions, but wealth no less at the expense of the rakyat.
Our beloved Tun has given us a legacy of development that will always been appreciated. Perhaps the winning formula meant hedging his bets on the winning "horses" no pun intended to our Ma-hathir (at least if ex-Minister Ling's explanation is anything to go by). But there comes a point when enough becomes excess - it's already very late in the day to realize - but not too late to do the right thing.
And I am not just poking my finger in the direction of the mega projects, lest we forget the humbl-er beginnings of some of these tyrants... let us also once again call to question the likes of MINDEF's SMS campaigns that are no doubt designed to yield, albeit not billions, but wealth no less at the expense of the rakyat.
Our beloved Tun has given us a legacy of development that will always been appreciated. Perhaps the winning formula meant hedging his bets on the winning "horses" no pun intended to our Ma-hathir (at least if ex-Minister Ling's explanation is anything to go by). But there comes a point when enough becomes excess - it's already very late in the day to realize - but not too late to do the right thing.
Wednesday, December 10, 2003
Where are you headed today?
Over breakfast this morning my eyes cast on a not unfamiliar middle aged man, like me, a regular patron to this shop. I could not help but notice his contented demeanour and an almost lazy jaunt in his posture. In my mind, I wrote the eulogy of his life and succintly put, it read that he tried, didn't get as far as his aspirations would have taken him, gave up and found contentment instead.
From where I stand, the idea of giving up seems remote at best. Augmented by my apparent youth and unmitigated ambitions, I strive to achieve wealth, stature and happiness like the proverbial pot of gold at the end of the rainbow. Yet in a few months time, not by any consent of mine, another notch is etched onto the tree of my life, and I wonder at what point do I throw in the towel? Then again, is it that bad?
It has been said that the traditional chinese man is more likely to die in his sleep after retirement compared to someone still striving in his grey-er years. So on we work, unrelentless, discontented and just driven enough to push the idea of "resting for good" backwards another few years...
What is the purpose of it all again?
The story goes that a fairly young and ambitous man, not unlike me, chanced upon a middle aged man lazing by the pier with a fishing rod in hand. The young man chastised his older counterpart for being lazy when he could be achieving so much more with his life.
"And why would I want to achieve more?" said the older man.
"SO that you could earn more money!"
"And what would I do with that money?" he persisted.
The young man replied, "You could buy anything you want."
"And when I have everything I want, what next?"
"Well, you could then retire in comfort and relax by the beach all day long..." trumpeted the younger.
"And what am I doing now?"
From where I stand, the idea of giving up seems remote at best. Augmented by my apparent youth and unmitigated ambitions, I strive to achieve wealth, stature and happiness like the proverbial pot of gold at the end of the rainbow. Yet in a few months time, not by any consent of mine, another notch is etched onto the tree of my life, and I wonder at what point do I throw in the towel? Then again, is it that bad?
It has been said that the traditional chinese man is more likely to die in his sleep after retirement compared to someone still striving in his grey-er years. So on we work, unrelentless, discontented and just driven enough to push the idea of "resting for good" backwards another few years...
What is the purpose of it all again?
The story goes that a fairly young and ambitous man, not unlike me, chanced upon a middle aged man lazing by the pier with a fishing rod in hand. The young man chastised his older counterpart for being lazy when he could be achieving so much more with his life.
"And why would I want to achieve more?" said the older man.
"SO that you could earn more money!"
"And what would I do with that money?" he persisted.
The young man replied, "You could buy anything you want."
"And when I have everything I want, what next?"
"Well, you could then retire in comfort and relax by the beach all day long..." trumpeted the younger.
"And what am I doing now?"
Monday, December 08, 2003
Spreading symptoms
The latest notice on Maybank2u.com's "system maintenance":
"Please be advised that due to our system maintenance, these services will not be available until further notice :
• Add/Remove Credit Card
• Third Party Funds Transfer
• Interbank Fund Transfer (GIRO)
• eStanding Instruction
Note :
Any eStanding Instruction placed prior to 2 Dec 2003 will still be valid. To enquire/revoke your eStanding Instruction, kindly contact Maybank Group Call Centre (03 - 20727788) or visit your home branch."
Annoyingly I am beginning to suspect that Maybank's system is probably linked to the landslide site along the North South Highway...
"Please be advised that due to our system maintenance, these services will not be available until further notice :
• Add/Remove Credit Card
• Third Party Funds Transfer
• Interbank Fund Transfer (GIRO)
• eStanding Instruction
Note :
Any eStanding Instruction placed prior to 2 Dec 2003 will still be valid. To enquire/revoke your eStanding Instruction, kindly contact Maybank Group Call Centre (03 - 20727788) or visit your home branch."
Annoyingly I am beginning to suspect that Maybank's system is probably linked to the landslide site along the North South Highway...
Friday, December 05, 2003
Enough with Mega
Drop ‘mega’ from projects, says Dr M in an article featured in the Star. The term, supposedly refers to "big and wasteful projects", was coined by the colonists and does not bear testimony to what Malaysia is today. Granted, projects like the North South Highway have added tremendous premium to our economic wealth, but the judgement is still out on KLIA and the MSC.
In a somewhat related case, a watch of Tun Dr Mahathir Mohamad was missing from its display case at his birth house the day before yesterday. The now converted complex under the management of the National Archives reported no break-ins. So does this mean it will be categorised as a mini-case?
On a more playful note, I could propose a couple of alternatives... Depending on Pak Lah's ambitions, "Giga" may seem a natural progression... or if another member of the cabinet decides to come up with, for example, the Durian Super Corridor, we could term it a Luna-Project (for lunatic)...
With Mega/Giga/Luna Love,
Jefe
P.S. Anybody wanna buy a watch?
In a somewhat related case, a watch of Tun Dr Mahathir Mohamad was missing from its display case at his birth house the day before yesterday. The now converted complex under the management of the National Archives reported no break-ins. So does this mean it will be categorised as a mini-case?
On a more playful note, I could propose a couple of alternatives... Depending on Pak Lah's ambitions, "Giga" may seem a natural progression... or if another member of the cabinet decides to come up with, for example, the Durian Super Corridor, we could term it a Luna-Project (for lunatic)...
With Mega/Giga/Luna Love,
Jefe
P.S. Anybody wanna buy a watch?
Thursday, December 04, 2003
Notice on Maybank2u.com website
The notice reads:
"Please be advised that due to our system maintenance, Third Party Funds Transfer, eStanding Instruction and Interbank Fund Transfer (GIRO) services will not be available until further notice."
That's interesting. My call to technical support said that Maybank was trying to rectify problems with its system... doesn't sound like maintenance to me.
"Please be advised that due to our system maintenance, Third Party Funds Transfer, eStanding Instruction and Interbank Fund Transfer (GIRO) services will not be available until further notice."
That's interesting. My call to technical support said that Maybank was trying to rectify problems with its system... doesn't sound like maintenance to me.
Wednesday, December 03, 2003
Of Maybank, RTD and National Service...
It's another case of Malaysia (tak) Boleh! The largest banking institution in Malaysia with arguably the most prominent e-banking service has coughed up another snafu. Having been able to pay my Maybank credit card bills online in the past, I was perplexed to see the option removed without so much as a notice! A call to Maybank.2u was made after 3 unsuccessful attempts only for me to be told that while I am able to make inter-banking transactions, Maybank is unable to process online transfers for internal credit card payments!!! Hurrah for technology!!!
Meanwhile, youths eligible for the National Service Programme next year can apparently SMS the Ministry of Defence to check if they are on the list of potential candidates (sounds like a redundant statement to me but that is how it was written in the Star Online). The number given is a operator shortcode - meaning a 5 digit number traditionally associated with premium SMS charges. Furthermore, the article goes on to say that "Those checking the list can also take part in a quiz and win either cash prizes or handphones." The skeptics will say that MINDEF is looking to make a quick buck out of it, while the other side of the coin demonstrates the Ministry's determination to build public awareness and support of the programme. You make the call..
Meanwhile, Star also writes that, "Chief Minister Tan Sri Dr Koh Tsu Koon has urged telecommunication companies to jointly set up a Short Messaging System (SMS) for the public to transmit information on reckless drivers and accidents to the police and the Road Transport Department."
Is this a novel idea or a poorly thought one? Consider the legal implications and the enforceability of this idea. Malaysians have been known to fancy the odd prank call to the fire dept. What more SMS, especially if it is cheap, convenient and free of prosecution...? Already our police are too busy monitoring the many 60 kmph speed limit stretches in the country, how will they cope with the barrage of SMS especially if many are just going to be hoaxes? Back to the drawing board Dr Koh...
Meanwhile, youths eligible for the National Service Programme next year can apparently SMS the Ministry of Defence to check if they are on the list of potential candidates (sounds like a redundant statement to me but that is how it was written in the Star Online). The number given is a operator shortcode - meaning a 5 digit number traditionally associated with premium SMS charges. Furthermore, the article goes on to say that "Those checking the list can also take part in a quiz and win either cash prizes or handphones." The skeptics will say that MINDEF is looking to make a quick buck out of it, while the other side of the coin demonstrates the Ministry's determination to build public awareness and support of the programme. You make the call..
Meanwhile, Star also writes that, "Chief Minister Tan Sri Dr Koh Tsu Koon has urged telecommunication companies to jointly set up a Short Messaging System (SMS) for the public to transmit information on reckless drivers and accidents to the police and the Road Transport Department."
Is this a novel idea or a poorly thought one? Consider the legal implications and the enforceability of this idea. Malaysians have been known to fancy the odd prank call to the fire dept. What more SMS, especially if it is cheap, convenient and free of prosecution...? Already our police are too busy monitoring the many 60 kmph speed limit stretches in the country, how will they cope with the barrage of SMS especially if many are just going to be hoaxes? Back to the drawing board Dr Koh...
Tuesday, December 02, 2003
Al-Qaida’s four-star financier?
Featured by NBC, this article painted a vivid glimpse of the type of difficulties the West is facing in the War on Terror. Perhaps it's just the way Governments all over the world work, as opposed to the private sector - which really accounts for why NBC has a head start on this over the machinery of the US Govt and it's allies. Perhaps the basis for Al Qaeda's power reaches deeper than many would care or even want to belief.
The fact remains that any war needs to be funded. Weapons need to be paid for and operations require capital. The was has taken every dimension imaginable and suffocating the supply of finance is just one of the many battles being waged... and if this article is to be believed, lost as well.
The fact remains that any war needs to be funded. Weapons need to be paid for and operations require capital. The was has taken every dimension imaginable and suffocating the supply of finance is just one of the many battles being waged... and if this article is to be believed, lost as well.
Subscribe to:
Posts (Atom)