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Dear Maria, It is very good to hear about the course organised by the World Bank. I somehow missed the announcement or else I would have liked to have asked some of my colleagues to apply. On reading the recommendations that came out at the course, I wonder if they have gone far enough and if perhaps the message from the crisis, at least for developing countries, isn't that a deeper set of changes is needed. We are organising a conference in Chennai on August 5th and 6th to discuss exactly these issues as they apply to India. We have been fortunate that regulators, academics, practitioners as well as people from the real sector have agreed to participate in the dialogue. We hope that the two day conclave will allow us to identify a few broad areas of reflection and serious research which can then be pursued. Regards, Nachiket Mor