WAITING FOR WINDFALLS WON?T HELP CREDITORS By Louis Kraar... FOREIGN EXCHANGE CERTIFICATES: WHO REALLY BENEFITS? By Kyi May Kaung... REVIEW OF THE FINANCIAL, ECONOMIC & SOCIAL CONDITIONS OF THE UNION OF MYANMAR Ministry of National Planning and Economic Development... INTERVIEW WITH PROFESSOR KHIN MAUNG KYI... WHICH DIRECTION FOR ASEAN ? By Walden Bello... ASEAN & MYANMAR By Maung Saw Tun...IN BRIEF