While taking full responsibility for all the views and analyses expressed in this Report, the authors gratefully acknowledge the suggestions made by Tan Sri Mohamed Jawhar Hassan, Steve Wong and Dr. Jorah Ramlan from ISIS, as well as Kamal Malhotra, James George Chacko and Anisa Muzaffar from the UNDP and Eva Jenkner from UNICEF. The authors would also like to thank VGR Chandran Govindaraju from the Faculty of Economics and Administration, UM, for his assistance in data collection. Professional editing by Zuraidah Omar is gratefully acknowledged.

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