Expects Eurozone recovery to come in 2nd half of 2013; Welcomes and is very satisfied with Eurogroup accord of Nov 27; Shows Greece will remain in the Euro; ECB will do what ever it takes to keep euro stable; Banks are suffering from state of public finances; Unified supervision must apply to all banks to avoid banking sector fragmentation; Need to boost labour market flexibility; France and Italy need to remove rigidity from their labour/product markets; Losing AAA status sends signals to governments, must be taken seriously; (full story)