TAILIEUCHUNG - Global Risks 2013 Eighth Edition

Perhaps even more important than barriers of physical access and eligibility are barriers of affordability. These issues seem to be particularly important in Latin America and the Caribbean, where 40 percent of non-account-holders report that formal accounts are too expensive. Worldwide, reducing withdrawal charges and balance fees could make formal accounts more attractive to more than 500 million adults who are without one. Again, these statements are meant to be indicative, not causal, and further analysis is required. Whether in response to these barriers or for other reasons, many people use infor- mal methods to save money or make payments as. | Insight Report Global Risks 2013 Eighth Edition An Initiative of the Risk Response Network WORLD ECONOMIC F o R UM COMMITTED TO IMPROVING THE STATE OF THE WORLD The information in this report or on which this report is based has been obtained from sources that the authors believe to be reliable and accurate. However it has not been independently verified and no representation or warranty express or implied is made as to the accuracy or completeness of any information obtained from third parties. In addition the statements in this report may provide current expectations of future events based on certain assumptions and include any statement that does not directly relate to a historical fact or a current fact. These statements involve known and unknown risks uncertainties and other factors which are not exhaustive. The companies contributing to this report operate in a continually changing environment and new risks emerge continually. Readers are cautioned not to place undue reliance on these statements. The companies contributing to this report undertake no obligation to publicly revise or update any statements whether as a result of new information future events or otherwise and they shall in no event be liable for any loss or damage arising in connection with the use of the information in this report. 2013 World Economic Forum All rights reserved. No part of this publication may be reproduced or transmitted in any form or by any means including photocopying and recording or by any information storage and retrieval system. ISBN 92-95044-50-9 978-92-95044-50-0 REF 301211 World Economic Forum 91-93 route de la Capite CH-1223 Cologny Geneva Switzerland Tel. 41 0 22 869 1212 Fax 41 0 22 786 2744 contact@ 2 Global Risks 2013 Global Risks 2013 Eighth Edition An Initiative of the Risk Response Network Lee Howell World Economic Forum Editor in Chief World Economic Forum in collaboration with Marsh McLennan Companies National University of .

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• Constitutes
• diagnostic methods
• magnetic resosnance
• anatomical localisation
• optimal duration
• antiretroviral treatmenrt
• Zizyphus mauritiana Lamk
• Biochemical constitutes
• Ber selection 1
• Studies on the pattern
• Pattern of changes biochemical constitutes
• Medical Sciences
• Extrapulmonary involvement
• disseminated tuberculosis
• legal system
• law constitutes
• traditions hold
• cultural and ethical
• authoritative starting
• largely on judicial
• Business hours
• Financial economics
• Cooperative
• Accounting
• Business trip
• Report medicine
• traditional medicine
• scientific reports
• Crystal structure
• medical analysis
• biochemical studies
• breast cancer
• biological activities
• environmental medicine