The World Bank states that Iraq will have issues with out getting the reforms done. They say borrowing is going to be difficult for Iraq to fund expenditures. Then today we see proof of that and with a qualification that they can get the monies through FINANCIAL REFORMS. This is not theory. This is what they can do and it is coming from the Finance Committee. The reforms will allow the money to flow, imo, that money will require an international rate. Financial Reforms are not at a program rate for pete sake.