I argue that recent attempts to deflect Access Problems for realism about a priori domains such as mathematics, logic, morality, and modality using arguments from evolution result in two kinds of explanatory overkill: the Access Problem is eliminated for contentious domains, and realist belief becomes viciously immune to arguments from dispensability, and to non-rebutting counter-arguments more generally.

Epistemological disjunctivism, as defended by, for example, McDowell, Neta and Pritchard, is the view that epistemic justification can be – and in paradigmatic cases of perceptual knowledge actually is – both factive and reflectively accessible. One major problem for this view is the access problem: apparently, epistemological disjunctivism entails that ordinary external world propositions can be known by reflection alone. According to epistemological disjunctivism, seeing that the sun is shining is reflectively accessible and seeing that the sun (...) is shining entails that it is. Assuming closure of reflective knowledge under known entailment it is also reflectively knowable that the sun is shining. Drawing on joint work with Neta, Pritchard replies that disjunctivism is not committed to this absurdity, but only to the possibility of reflective access to empirical reasons. In this article I offer an interpretation of this reply, but also an objection to it: my interpretation is based on applying the source/content distinction to epistemic reasons. My objection is based on arguing that the access problem is a problem for any version of access internalism. Although Pritchard's reply solves the general access problem, it does not solve the access problem that is generated by the specific commitments of epistemological disjunctivism. Due to the transparency of self-knowledge of propositional perception, epistemological disjunctivism cannot meet a central requirement for applying the source/content distinction. (shrink)

The access problem for mathematics arises from the supposition that the referents of mathematical terms inhabit a realm separate from us. Quine’s approach in the philosophy of mathematics dissolves the access problem, though his solution sometimes goes unrecognized, even by those who rely on his framework. This paper highlights both Quine’s position and its neglect. I argue that Michael Resnik’s structuralist, for example, has no access problem for the so-called mathematical objects he posits, despite (...) recent criticism, since he relies on an indispensability argument. Still, Resnik’s structuralist does not provide an account of our access to traditional mathematical objects, and this may be seen as a problem. (shrink)

In this article, I discuss a trivialization worry for Hartry Field’s official formulation of the access problem for mathematical realists, which was pointed out by Øystein Linnebo (and has recently been made much of by Justin Clarke-Doane). I argue that various attempted reformulations of the Benacerraf problem fail to block trivialization, but that access worriers can better defend themselves by sticking closer to Hartry Field’s initial informal characterization of the access problem in terms of (...) (something like) general epistemic norms of coincidence avoidance. (shrink)

A range of current truth-value realist philosophies of mathematics allow one to reduce the Benacerraf Problem to a problem concerning mathematicians' ability to recognize which conceptions of pure mathematical structures are coherent – in a sense which can be cashed out in terms of logical possibility. In this paper I will clarify what it takes to solve this `residual' access problem and then present a framework for solving it.

In this article, I discuss a trivialization worry for Hartry Field’s official formulation of the access problem for mathematical realists, which was pointed out by Øystein Linnebo. I argue that various attempted reformulations of the Benacerraf problem fail to block trivialization, but that access worriers can better defend themselves by sticking closer to Hartry Field’s initial informal characterization of the access problem in terms of general epistemic norms of coincidence avoidance.

Ante rem structuralism is the doctnne that mathematics descubes a realm of abstract (structural) universab. According to its proponents, appeal to the exutence of these universab provides a source distinctive insight into the epistemology of mathematics, in particular insight into the so-called 'access problem' of explaining how mathematicians can reliably access truths about an abstract realm to which they cannot travel andfiom which they recave no signab. Stewart Shapiro offers the most developed version of this view to (...) date. Through an examination of Shapiro's proposed structuralist epistemology for mathematics I argue that ante rem structuralism faib to provide the ingredients for a satisfactory resolution of the access problem for infinite structures (whether small or large). (shrink)

In this paper, I identify the hard problem of access for epistemological disjunctivism (ED): given that perceptual experience E is opaque with respect to its own epistemic properties, subject S is not in a position to know epistemic proposition (i) (that E is factive with respect to empirical proposition p) just by having E and/or reflecting on E. This is the case even if (i) is true. I first motivate the hard problem of access (Section 2) (...) and then reconstruct and analyze three of the ways in which EDists have argued for the internal accessibility of the factive character of perceptual experience. These arguments explain internal access in terms of the unity of perceptual and rational capacities (Section 3), favoring support (Section 4), and the outward-looking model of self-knowledge (Section 5). My conclusion (Section 6) is that none of these responses works. I then suggest how ED might be modified to succeed as an access internalist epistemology. (shrink)

The Access principle places an epistemic restriction on our obligations. This principle falls prey to the ‘Shirker Problem’, namely that shirkers could evade their obligations by evading certain epistemic circumstances. To block this problem, it has been suggested that shirkers have the obligation to learn their obligations. This solution yields a regress, yet it is controversial what the moral of the regress actually is. The aim of this paper is two-fold. First, I spell out this intricate dispute. (...) Second, on the basis of my analyses I propose solutions to the Shirker Problem. (shrink)

Michael Ravvin, Department of Political Science, Columbia University, 420 W. 118th Street, New York, NY 10027 Email: mer2133{at}columbia.edu ' + u + '@' + d + ' '//--> Abstract The existing intellectual property regime discourages the innovation of, and access to, essential medicines for the poor in developing countries. A successful proposal to reform the existing system must address these challenges of access and innovation. This essay will survey the problems in the existing pharmaceutical patent system and offer (...) critical analysis of some reform proposals. I will argue that existing mechanisms that are intended to mitigate the harms of the current pharmaceutical patent system, such as bulk buying, differential pricing and compulsory licenses, are inadequate and perhaps even counter-productive over the long-term. Other incentive mechanisms based on push funding, such as government research grants, are inefficient and limited in scope. Pull mechanisms, which offer some reward for successful pharmaceutical innovations, offer a more promising incentive mechanism. I will evaluate three pull mechanisms -- Priority Review Vouchers, Advance Market Commitment (AMC) and the Health Impact Fund -- on the basis of their capacity to incentivize access and innovation, as well as their efficiency and political feasibility. Though the Health Impact Fund appears to be the most promising proposal, more work must be done to overcome challenges of its implementation. CiteULike Connotea Del.icio.us What's this? (shrink)

This essay denaturalizes the taken-for-granted meaning of ‘access’ and interrogates its role and lived meaning in ableist social worlds, with a focus on spaces of higher education. I suggest that legalistic approaches to access need ‘cripping’ by a disability framework. Currently, these approaches (1) miss the intersubjective sociality of being-in-the-world; (2) they prioritize a narrow conception of access focused on ‘physical’ access and ‘physical’ space (a typology I contest); (3) they approach access as frozen in (...) time, rather than as a relational and temporally dynamic process (4); and, finally, they contribute to bureaucratizing and privatizing disability knowledge. I examine ‘access’ through the lens of belonging by asking how we orient ourselves in spaces shaped by oppressive social norms. I argue that ableist lifeworlds generate serious disorientations for disabled people that are lasting, structurally enforced, and harmful or debilitating. (shrink)

In opposition to mainstream theory of mind approaches, some contemporary perceptual accounts of social cognition do not consider the central question of social cognition to be the problem of access to other minds. These perceptual accounts draw heavily on phenomenological philosophy and propose that others' mental states are “directly” given in the perception of the others' expressive behavior. Furthermore, these accounts contend that phenomenological insights into the nature of social perception lead to the dissolution of the access (...) problem. We argue, on the contrary, that the access problem is a genuine problem that must be addressed by any account of social cognition, perceptual or non-perceptual, because we cannot cast the access problem as a false problem without violating certain fundamental intuitions about other minds. We elaborate the fundamental intuitions as three constraints on any theory of social perception: the Immediacy constraint; the Transcendence constraint; and the Accessibility constraint. We conclude with an outline of an account of perceiving other minds that meets the three constraints. (shrink)

The purpose of the study is to develop proposals for the liberalization of the financial services sector of the economy of Turkmenistan in the context of the country's potential accession to the World Trade Organization. The article considers the problems and challenges that Turkmenistan may face in the process of negotiations on the terms of accession to the WTO. The scientific novelty lies in the theoretical justification of the expediency of maintaining the status quo in trade in financial services in (...) the short and medium term within the initial list of specific obligations of the country provided for by the GATS. As a result, in the conditions of macroeconomy and its transitional nature, taking into account the unpredictable volatility of hydrocarbon prices, it is recommended to leave the existing restrictions on access to the financial services market and on the national regime unchanged in the context of a gradual process of lifting restrictions on the movement of capital and its complete liberalization. (shrink)

In this paper, I consider the so-called Access Problem for Duncan Pritchard’s Epistemological Disjunctivism (2012). After reconstructing Pritchard’s own response to the Access Problem, I argue that in order to assess whether Pritchard’s response is a satisfying one, we first need an account of the notion of ‘Reflective Access’ that underpins Pritchard’s Epistemological Disjunctivism. I provide three interpretations of the notion of Reflective Access: a metaphysical interpretation, a folk interpretation, and an epistemic interpretation. I (...) argue that none of these three interpretations comes without problems. I conclude that, until we have a clear and unproblematic account of Reflective Access, the Access Problem remains a challenge for Pritchard’s Epistemological Disjunctivism. (shrink)

The Problems of Philosophy is a 1912 book by Bertrand Russell, in which Russell attempts to create a brief and accessible guide to the problems of philosophy. Focusing on problems he believes will provoke positive and constructive discussion, Russell concentrates on knowledge rather than metaphysics: If it is uncertain that external objects exist, how can we then have knowledge of them but by probability. There is no reason to doubt the existence of external objects simply because of sense data. Russell (...) guides the reader through his famous 1910 distinction between knowledge by acquaintance and knowledge by description and introduces important theories of Plato, Aristotle, René Descartes, David Hume, John Locke, Immanuel Kant, Georg Wilhelm Friedrich Hegel and others to lay the foundation for philosophical inquiry by general readers and scholars alike. "In the following pages I have confined myself in the main to those problems of philosophy in regard to which I thought it possible to say something positive and constructive, since merely negative criticism seemed out of place. For this reason, theory of knowledge occupies a larger space than metaphysics in the present volume, and some topics much discussed by philosophers are treated very briefly, if at all. (shrink)

This article argues that effective corporate social responsibility (CSR) of multinational pharmaceutical companies in developing countries should reflect context, opportunity, proximity, time and impact in accordance with the social integration and ethical approaches to CSR. It proposes a CSR model expressed as CSR=COPTI+SI+E, which acknowledges access-to-medicines as a matter in the global public domain, a public choice problem and a moral responsibility issue for multinational pharmaceutical companies. This model recognises the globalisation of the principle of humanity in communities (...) of place and communities of interest as highlighted by the Global Economic Ethic Manifesto 2009 as an integral part of the responsibilities of multinational pharmaceutical companies. The model reflects a global application of the concept of disadvantaged consumer already known to some national laws. The article suggests an access-to-medicines CSR framework for pharmaceutical companies which may include pricing, patents, testing and clinical trials, research and development, joint public private initiative and appropriate use of drugs. (shrink)

Few would disagree with the notion that it would be a wonderful thing if we could more quickly learn how to treat, or better yet cure, diseases afflicting millions of people. Alex John London argue...

Sense-perception—the awareness or apprehension of things by sight, hearing, touch, smell and taste—has long been a preoccupation of philosophers. One pervasive and traditional problem, sometimes called “the problem of perception”, is created by the phenomena of perceptual illusion and hallucination: if these kinds of error are possible, how can perception be what it intuitively seems to be, a direct and immediate access to reality? The present entry is about how these possibilities of error challenge the intelligibility of (...) the phenomenon of perception, and how the major theories of perception in the last century are best understood as responses to this challenge. (shrink)

This article, which analyses relevant cases that have already been the subject of academic commentary, examines some of the most commonly recurring problems in the proper ascertainment of foreign law. Drawing parallels to translation theories, the article examines best practices for foreign law experts and situational factors that sometimes result in the misapplication of foreign law.

Deep beneath the surface of Kant's theory of knowledge lies the metaphysical doctrine of noumena, things in themselves, intelligible entities . For lengthy periods these creatures are surprisingly unobtrusive and can be safely disregarded. But at certain points Kant hauls them to the surface and tries to put them to work in perplexing ways. My concern is not with these attempts, but with what can be learned, if not salvaged, from the metaphysical doctrine as it is expounded in the chapter (...) in the Critique of Pure Reason entitled ‘The Ground of the Distinction of all Objects in General into Phenomena and Noumena’. I shall start by giving, for the most part in Kant's own words, as blunt an account as possible of how he appears to reduce his own doctrine to nonsense. I shall then argue that such an account, while not straightforwardly wrong, ignores matters of very great interest. I shall do so in terms of two theories, which I distinguish, about the relationship between knowing, changing and conceptualizing. Finally, I shall draw some more and less general conclusions. (shrink)

Bertrand Russell was one of the greatest logicians since Aristotle, and one of the most important philosophers of the past two hundred years. As we approach the 125th anniversary of the Nobel laureate's birth, his works continue to spark debate, resounding with unmatched timeliness and power. The Problems of Philosophy, one of the most popular works in Russell's prolific collection of writings, has become core reading in philosophy. Clear and accessible, this little book is an intelligible and stimulating guide to (...) those problems of philosophy which often mistakenly lead to its status as too lofty and abstruse for the lay mind. Focusing on problems he believes will provoke positive and constructive discussion, Russell concentrates on knowledge rather than metaphysics, steering the reader through his famous 1910 distinction between "knowledge by acquaintance and knowledge by description," and introducing important theories of Descartes, Kant, Hegel, Hume, Locke, Plato, and others to lay the foundation for philosophical inquiry by general readers and scholars alike.With a new introduction by John Perry, this valuable work is a perfect introduction to the field and will continue to stimulate philosophical discussion as it has done for nearly forty years. (shrink)

In order to secure ethical relevance for phenomenology, Peter Dabrock proposes a synthesis with a Kantian rational ethic. The theological question thus arises concerning the tenability of such a synthesis and the acceptability of the corresponding translation of Protestant anthropology into the language of philosophy. Dabrock argues that man's character as an image of god, understood in the context of a theology of justification, can be translated into the philosophical concept of incarnate reason. Even if the concept of incarnate reason (...) sounds plausible in view of foundational theology and anthropology, its contribution to a foundation for material ethics is very limited because the body itself however has no normative impact when it comes to deciding about the ethical acceptability of concrete medical interventions. Thus, the constitutive significance of our being embodied becomes ethically relevant only insofar as that significance is integrated into a moral philosophical or theological ethical framework theory. (shrink)

In this paper, I focus on the Armchair Access Problem for E=K as presented by Nicholas Silins (2005), and I argue, contra Silins, that it does not represent a real threat to E=K. More precisely, I put forward two lines of response, both of which put pressure on the main assumption of the argument, namely, the Armchair Access thesis. The first line of response focuses on its scope, while the second line of response focuses on its nature. (...) The second line of response is the most interesting one, for it represents the framework within which I develop a novel account of second-order knowledge, one that involves evaluation of counterfactual conditionals and the employment of our imaginative capacities, i.e., an imagination-based account of second-order knowledge. The two lines of response are shown to be jointly compatible and mutually supportive. I then conclude that the Armchair Access Problem is not a challenge for E=K, yet it relies on the ambiguity of the notion of armchair knowledge underpinning the Armchair Access thesis. (shrink)

Scientists engaged in global health research are increasingly faced with barriers to access and use of human tissues from the developing world communities where much of their research is targeted. In part, the problem can be traced to distrust of researchers from affluent countries, given the history of 'scientific-imperialism' and 'biocolonialism' reflected in past well publicized cases of exploitation of research participants from low to middle income countries. To a considerable extent, the failure to adequately engage host communities, (...) the opacity of informed consent, and the lack of fair benefit-sharing have played a significant role in eroding trust. These ethical considerations are central to biomedical research in low to middle income countries and failure to attend to them can inadvertently contribute to exploitation and erode trust. A 'tissue trust' may be a plausible means for enabling access to human tissues for research in a manner that is responsive to the ethical challenges considered. Preventing exploitation and restoring trust while simultaneously promoting global health research calls for innovative approaches to human tissues research. A tissue trust can reduce the risk of exploitation and promote host capacity as a key benefit. (shrink)

How can we disentangle the neural basis of phenomenal consciousness from the neural machinery of the cognitive access that underlies reports of phenomenal consciousness? We can see the problem in stark form if we ask how we could tell whether representations inside a Fodorian module are phenomenally conscious. The methodology would seem straightforward: find the neural natural kinds that are the basis of phenomenal consciousness in clear cases when subjects are completely confident and we have no reason to (...) doubt their authority, and look to see whether those neural natural kinds exist within Fodorian modules. But a puzzle arises: do we include the machinery underlying reportability within the neural natural kinds of the clear cases? If the answer is ‘Yes’, then there can be no phenomenally conscious representations in Fodorian modules. But how can we know if the answer is ‘Yes’? The suggested methodology requires an answer to the question it was supposed to answer! The paper argues for an abstract solution to the problem and exhibits a source of empirical data that is relevant, data that show that in a certain sense phenomenal consciousness overflows cognitive accessibility. The paper argues that we can find a neural realizer of this overflow if assume that the neural basis of phenomenal consciousness does not include the neural basis of cognitive accessibility and that this assumption is justified by the explanations it allows. (shrink)

Epistemological disjunctivists such as Duncan Pritchard claim that in paradigmatic cases of knowledge the rational support for the known propositions is both factive and reflectively accessible. This position faces some problems, including the basis problem – how can our knowledge be based on such strong reasons that seem to leave no room for non-knowledge and therefore presuppose knowledge? – and the access problem – can disjunctivists avoid the implausible claim that we can achieve knowledge through inference from (...) our introspective awareness of those reasons? I argue that disjunctivists cannot solve both of these problems at the same time by posing the dilemma question whether we can have factive and reflectively accessible reasons without knowledge. While I focus on Pritchard throughout most of the paper, I argue in the last section that other anti-skeptical versions of disjunctivism face the same dilemma. (shrink)

This essay draws on Ludwig Wittgenstein’s work to argue for a practice-oriented concept of expertise. We propose that conceptualizing types of expertise as having a family resemblance, relative to the problems such expertise addresses, escapes certain limitations of defining expertise as primarily epistemic. Recognizing the pragmatic purchase on actual problems a Wittgensteinian approach provides to discussions of expertise, we seek to understand the nature of expertise in situations where the people who need to make a difficult decision do not possess (...) or have access to the epistemic status that traditionally confers expertise. These are situations where people need to answer difficult questions that, while they may be informed by expertise in the epistemic register, are ultimately decided by expertise that weighs certified knowledge against the intractable characteristics of a particular situation. We suggest that there is not—even deep down on a conceptual level—only one kind of expertise, but multiple kinds of expertise that resonate with diverse kinds of problems. (shrink)

Introduction There are some exceptions, which we shall see below, but virtually all theories in psychology and cognitive science make use of the notion of representation. Arguably, folk psychology also traffics in representations, or is at least strongly suggestive of their existence. There are many different types of things discussed in the psychological and philosophical literature that are candidates for representation-hood. First, there are the propositional attitudes – beliefs, judgments, desires, hopes etc. (see Chapters 9 and 17 of this volume). (...) If the propositional attitudes are representations, they are person-level representations – the judgment that the sun is bright pertains to John, not a subpersonal part of John. By contrast, the representations of edges in V1 of the cerebral cortex that neuroscientists talk about and David Marr’s symbolic representations of “zero-crossings” in early vision (Marr 1982) are at the “sub-personal” level – they apply to parts or states of a person (e.g. neural parts or computational states of the visual system). Another important distinction is often made among perceptual, cognitive, and action-oriented representations (e.g. motor commands). Another contrast lies between “stored representations” (e.g. memories) and “active representations” (e.g. a current perceptual state). Related to this is the distinction between “dispositional representations” and “occurrent representations.” Beliefs that are not currently being entertained are dispositional, e.g. your belief that the United States is in North America - no doubt you had this belief two minutes ago, but you were not consciously accessing it until you read this sentence. Occurrent representations, by contrast, are active, conscious thoughts or perceptions. Which leads us to another important distinction: 1 between conscious and non-conscious mental representations, once a bizarre-sounding distinction that has become familiar since Freud (see Chapter 4 of this volume). I mention these distinctions at the outset to give you some idea of the range of phenomena we will be considering, and to set the stage for our central “problem of representation”: what is a mental representation, exactly, and how do we go about deciding whether there are any? We know there are public representations of various kinds: words, maps, and pictures, among others.. (shrink)

How can we acquire a grasp of cardinal numbers, even the first very small positive cardinal numbers, given that they are abstract mathematical entities? That problem of cognitive access is the main focus of this paper. All the major rival views about the nature and existence of cardinal numbers face difficulties; and the view most consonant with our normal thought and talk about numbers, the view that cardinal numbers are sizes of sets, runs into the cognitive access (...) problem. The source of the problem is the plausible assumption that cognitive access to something requires causal contact with it. It is argued that this assumption is in fact wrong, and that in this and similar cases we should accept that a certain recognise-and-distinguish capacity is sufficient for cognitive access. We can then go on to solve the cognitive access problem, and thereby support the set-size view of cardinal numbers, by paying attention to empirical findings about basic number abilities. To this end some selected studies of infants, pre-school children and a trained chimpanzee are briefly discussed. (shrink)

The Mass Density approach to GRW (GRWm for short) has been widely discussed in the quantum foundations literature. A crucial feature of GRWm is the introduction of a Criterion of Accessibility for mass, which allows to explain the determinacy of experimental outcomes thus also addressing the tails problem of GRW. However, the Criterion of Accessibility leaves the ontological meaning of the non-accessible portion of mass utterly unexplained. In this paper I discuss two viable approaches to non-accessible mass, which I (...) call anti-realist and realist, and will defend the latter. First, I show that the anti-realist approach suffers from various objections. Second, I develop an account of non-accessible mass density states as objectively indeterminate states of affairs. (shrink)

This paper considers two objections based in axiological considerations against the position that whether a given outcome, or possible future or world, is morally worse than a second world may depend in part on what is going on at a third world. Such a wide-angled approach to determining worseness is critical to the solution I have previously proposed in connection with the nonidentity problem. I argue that both objections fail.

Jay Rosenberg introduces Immanuel Kant's masterwork, the Critique of Pure Reason, from a "relaxed" problem-oriented perspective which treats Kant as an especially insightful practicing philosopher, from whom we still have much to learn, intelligently and creatively responding to significant questions that transcend his work's historical setting. Rosenberg's main project is to command a clear view of how Kant understands various perennial problems, how he attempts to resolve them, and to what extent he succeeds. At the same time the book (...) is an introduction to the challenges of reading the text of Kant's work and, to that end, selectively adopts a more rigorous historical and exegetical stance. Accessing Kant will be an invaluable resource for advanced students and for any scholar seeking Rosenberg's own distinctive insights into Kant's work. (shrink)

Recent economic and political advances in developing countries on the African continent and South East Asia are threatened by the rising death and morbidity rates of HIV/AIDS. In the first part of this paper we explain the reasons for the absence of affordable access to essential AIDS medication. In the second part we take a closer look at some of the pivotal frameworks relevant for this situation and undertake an ethical analysis of these frameworks. In the third part we (...) discuss a few of the proposed solutions to the problem and conclude with an argument in support of our preferred course of action. In this article we argue for compulsory licensing of essential AIDS medications in the current conditions of public health emergency. We argue on broadly consequentialist grounds that compulsory licensing is preferable both morally and pragmatically to the alternatives, notably the currently offered price cuts and drug donation schemes. (shrink)

The public interest in the administration of justice requires access to justice for all. But access to justice must be “meaningful” access. Meaningful access requires procedures, processes, and institutional structures that facilitate communication among participants and decision-makers and ensure that judges and other decision-makers have the resources they need to render fully informed and sound decisions. Working from that premise, which is based on a reconceptualization of the objectives and methods of the justice process, the author (...) proposes numerous specific changes in decision-making processes and practices. These changes are required to achieve a standard of decision-making that is consistent with the public interest in the administration of justice within a constitutional framework under the social and political conditions of the early 21st century. The essay illustrates the application of the principles and methods of legitecture to analysis of problems of institutional design in law. (shrink)

Discussion on financial ethics increasingly includes the problem of exclusion of the poorer segments of society from the financial system and access to credit. This paper explores the ethical dimensions surrounding the concept of a human right to credit. If access to credit is directly instrumental to economic development, poverty reduction and the improved welfare of all citizens, then one can proclaim, as Nobel Prize Laureate M. Yunus has done, that it is a moral necessity to establish (...) credit as a right. Arguments both supporting and opposing the concept of a right to credit are presented. While there may be general agreement that access to financial services may provide a pathway out of poverty, granting a universal right could induce perverse effects such as overindebtedness. Bearing in mind the ultimate goal of proponents of this right as well as the potential harmful consequences, this paper offers a new perspective on the question of access to credit based on a goal-right system. (shrink)