AADITYA MATTOO is Lead Economist in the Development Research Group of the World Bank. He is leading a project on international trade in services, specializes in trade policy analysis and the operation of the WTO, and is helping enhance policy-making and negotiating capacity in developing countries. He is co- editor of Development, Trade and the WTO: A Handbook, Moving People to Deliver Services, and Domestic Regulation and Services Trade Liberalization, and has written extensively on trade and trade in services. LUCY PAYTON works with the Trade Team of the Development Research Group of the World Bank. Her work is focused on analysing legal and regulatory barriers to trade in the insurance, banking, telecommunications and other services sectors.