as a conclusion, a 2 year legal bvacation/b or a temporary reprieve from legal effects could be considered, whereby consumer loans could be refinanced or bounght by the government, and translate the same benefits to the average John Doe. ... IMF economists in their December paper on "Fiscal Policy for the Crisis" wrote of this (bSpilimbergo/b et al, IMF Staff Paper, 29 December 2008). - the IMF's "World Economic Oultook Update" of 28 January says: ...