Large firms will probably be able to cope with these laws, albeit at a cost in time and efficiency.

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To turn an honest centavo, businesses must cope with awful roads, high energy costs, archaic labour laws and a Byzantine bureaucracy.

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The simplest way to cope with default by private borrowers is to improve the inadequate domestic bankruptcy laws that still prevail in many emerging economies, something that is slowly under way.

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Nevertheless, said Erfani-Ghadimi, the problem doesn't lie in South Africa's laws so much as in the ability of the justice system to cope with the number of inmates in the system.

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They've learned much about how to get families ready to cope with the inevitable culture clashes such as making them aware about Islamic Halal food laws.

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