The results of the research can serve as a useful tool for policy makers in determining policy responses addressing imbalances with respect to debt accumulation in the private and public finance sector. In the context of preparations for
adopting the euro, another important feature for the policy makers would be the set up of paths and guidelines
with respect to harmonization of the behavior patterns with the ones characteristic for the euro zone countries.
To be more precise, we are referring to characteristics which the euro zone as a whole would commit to itself.