One overarching positive is monetary policy, which will remain loose throughout the year, giving room for the debt markets to increase the number of deals that will get done in 2013.

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Policy makers base overarching decisions on historical aggregates and pure conjecture programmed into computer models.

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Welsh government policy needs an "overarching strategic direction" because of the number of challenges facing the media, it says.

BBC: Camera on College Green, Westminster

However, the overarching goal is to create something of value that could either be sold or used by policy makers as a foundational element of the mortgage market of the future.

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