Ideally each jurisdiction will incorporate a set of broad global principles, which establish a benchmark of prudent finance.

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According to calculations by the Social Security administration's chief actuary, however, it is possible to transform Social Security fundamentally without resorting to tax increases or benefit cuts if we exercise reasonable restraint on federal spending growth and prudent borrowing to finance the transition to a new system of large personal-retirement accounts.

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Trevor Manuel, the finance minister, is overseeing prudent, market-friendly economic policies.

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If five banks compete to finance something, four may present prudent terms, but the borrower will probably pick the fifth offering more financing than they can afford.

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But with next year's elections ringing in his ears, commentators say it seems likely Finance Minister Simba Makoni may find himself putting short term political gains before the prudent management of the ailing economy.

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