b'2. Money - The root of so many marital problemsChristine Lagarde, head of the International Monetary Fund (IMF), said in Brussels on 10 December 2013: There is a palpable sense of optimism in some quarters that the European crisis is over. But can a crisis really be over when 12% of the labour force is without a job? When unemployment amongst youth is in very high double digits, reaching more than 50% in Greece and Spain? And when there is no sign that it is becoming easier for people to pay down their debts? First and perhaps most important, growth rates and output levels still remain well below where they should be. With unemployment rates as high as they are, this gap between actual and potential growth rates is likely to remain large for the foreseeable future7Unusually, the author can only agree with Mme Lagarde! Table 6Eurozone exchangerate undervaluation and overvaluation as a percentageNetherlands Finland Germany France Belgium Portugal Italy Spain Ireland Greece -50 510 15 20Source: Bank of America27'