Wharton carries an uncredited article on a study which ranked different regions outlooks for skilled labor. Their current ranking: India, China, Malaysia, Czech Republic, Singapore, Philippines, Brazil, Canada, Chile, Poland, Hungary, and New Zealand. Much of the debate focuses on which aspects to rate most highly, yet as it is the article still explores realworld differences. Trend: insourcing outsourcing, as large western companies invest in global workgroups. India labor costs are slowly moving higher, but so far this has been offset by the continuing decline in telecommunication costs. Japan and Korea are apparently heavier investors in China. Singapore, for instance, retains an advantage in business applications. The author mentions a risk in India's rapid social change, where change in capital growth is apparently outpacing the accountability of its financial institutions. They note that certain types of customer contacts are less fungible than are other types of contacts: "More high value customer contact will remain at home for most companies." The final section stresses the new awareness necessary in order to take best advantage of being able to work with others around the world.