intermediation, a comforting simplicity, that you just don't get from Visa.
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"But there are also places where it makes no sense at all," she says.
"It's true the Netherlands has high productivity and works fewer hours," says Daniela Glocker, an economist on the Netherlands desk at the OECD, "but what we've seen over the past 15 years is that it [productivity] hasn't grown.