The Policy Research W'orking Paper Series diysemiates the findings of work isn progress to encourage the exchaege of ideas about I development issues. An objective of the series is to get the findings out q,uickly, even if the presqentationis are less thanl fulfly polisbed. Th2e papers carry the names of the authors aiid shouild be cited accordiiigly. The fipidinzgs, interpretations, and coniclusionis expressed ;1V this paper are entirely those of the authors. They do not necessarily represent the vieuw of the WGorld Bankz, its Executive Directors, or-the countries they represent.

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