24 literature lejour a 2003 quantifying four scenarios for europe cpb document 38 mooij r de and p tang futures of & koninklijke swart sapir chair an agenda growing making the eu economic system deliver report independent high level study group established on initiative president european commission notes 1 2 another contribution future role in economie see 3 important is not only where but also how takes responsibility stability pact exemple sets uniform limits deficits debt that do take into account differ ences across countries similarly we argue complete harmonisation corpo rate taxation minimum tax harmonised bases may suffice collateral requirements market power dutch mortgage michiel van leuvensteijn abstract this article explores relationship between lender s use manove et al 2001 suggest theoretically less efficient mar kets when lenders have due to inelastic demand will relax their