And finally, and most important-- these others have been pretty straightforward-- but what has not been straightforward is something that you might listen to many, many times and not be aware of, and that is chord changes.
Finally, while not detracting from the important contributions of the people acknowledged in Mr Sachs's footnote, I would like to point out that many others contributed to the Bank's study.
Gradually they moved to dimly aware and finally to aware that it was important to some of us to put it in the legislation, but not sufficiently up to speed to actually implement the change once passed.