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2.8 percent Article IV consultation authorities Bahamas Bahamian dollar base money budget Capital Caribbean Central Bank central government debt central government deficit countercyclical credit freeze Current account balance debt-to-GDP ratio deviations in 2004 direct investment Directors end of period exchange rate Executive Board Exports external competitiveness external current account External debt financial regulation financial sector fiscal adjustment fiscal deficit fiscal position fixed exchange rate framework Fund staff estimates GDP in FY historical average minus improve interest rate labor Liabilities loans measures included medium term millions of U.S. Ministry of Finance minus two standard monetary money laundering months of merchandise national accounts National Insurance Board offshore financial Overall balance percent of GDP percent of total Prel private sector public corporations reduce regulatory security concerns Sources stabilize the debt-to-GDP Staff recommended standard deviations statistical strengthen structural reforms tariff tax reform tourism U.S. dollar utilities costs vulnerability wage