The Economics of Forgiveness - Why Peace Pays Better Than War
The Economics of Forgiveness - Why Peace Pays Better Than War
The shop had been closed for three years. Shattered glass still littered the doorway where looters had broken in during the worst days of violence. Amina stood in front of it, keys in hand, calculating risks she could not afford to take.
Her small grocery had served both communities before the fighting—Hausa customers in the morning, Yoruba neighbors in the afternoon, everyone needing rice, oil, soap, kerosene. Then came the rumors, the accusations, the night her shop was ransacked because someone claimed she favored the other side. She had fled with her children to her sister's village, thinking she would never return.
But three years of displacement had exhausted her savings. Her sister's household could barely feed itself. Her children had stopped attending school. And despite everything, this shop—damaged, looted, haunting—remained her only real asset.
The risk was immense. If she reopened, she would need to serve customers from both communities. Some would be people who had threatened her. Others would be relatives of those who had destroyed her inventory. She would need to extend credit to people who might never repay her. She would need to trust and be trusted by people who had recently been enemies.
But she also understood something about economics that transcended her fear: when trade stops, everyone becomes poorer. When people refuse to do business across conflict lines, both sides suffer. The Hausa families needed goods she could source from Yoruba suppliers. The Yoruba households needed products she could obtain from Hausa distributors. She was not just a shopkeeper—she was a connector, a bridge, a daily referendum on whether coexistence was possible.
Amina unlocked the door. Within weeks, customers from both communities began returning, tentatively at first, then regularly. Not because they had forgiven everything, but because they needed what she offered and she needed their business. Economics created incentives for interaction that politics had destroyed. And through thousands of small transactions—selling soap, extending credit, sharing news, treating everyone fairly—Amina rebuilt not just her livelihood but the community's capacity to function across its divisions.
The mediation systems, cultural traditions, and conflict patterns described in this article are real and documented. The individual merchants, specific communities, and personal stories are composite narratives drawn from these authentic practices, with names and details changed to protect privacy and illustrate universal principles.
The Arithmetic of Animosity
Conflict is expensive. This truth is obvious at the national level—military spending, destroyed infrastructure, lost productivity, displaced populations, disrupted trade. But it is equally true at the personal and local level, where the costs appear in forms that never make economic statistics.
When neighbors refuse to do business with each other, both lose opportunities. The farmer who won't sell produce to families from the other ethnic group must travel farther to find markets, spending time and money on transport, often receiving lower prices from distant buyers who know the farmer has limited options. The customers who won't buy from that farmer must also travel farther or pay higher prices from other sources. Both sides become poorer through their refusal to trade.
In the Fergana Valley, which spans Uzbekistan, Kyrgyzstan, and Tajikistan, communities that had traded for centuries found themselves divided by new borders after the Soviet collapse. Ethnic tensions erupted into violence in several locations. Families who had bought and sold goods across ethnic lines for generations suddenly stopped trading with each other.
The economic impact was immediate and severe. Uzbek farmers who had traditionally sold vegetables to Kyrgyz villages had to find new markets. Kyrgyz herders who had sold animals to Uzbek buyers faced similar disruptions. Tajik craftspeople lost customers on both sides. Everyone's economic network shrank. Prices rose for consumers. Incomes fell for producers. Communities that had prospered through exchange became poorer through isolation.
But in some villages, individuals made different choices. A Kyrgyz woman continued selling dairy products to Uzbek families. An Uzbek mechanic kept repairing vehicles for Tajik clients. A Tajik shopkeeper maintained trade relationships across all groups. These people faced social pressure from their own communities—accusations of betrayal, threats of boycott, questions about their loyalty. Yet they persisted because they understood a fundamental economic truth: voluntary exchange benefits both parties, and refusing to trade punishes yourself as much as the other side.
Forgiveness as Investment
Forgiveness is often presented as a moral virtue, which it is. But it is also an economic decision with measurable financial consequences. When someone chooses to forgive—to do business with a former adversary, to employ someone from the other side, to extend credit despite past betrayals—they make an investment in future prosperity.
In Northern Uganda, following years of conflict involving the Lord's Resistance Army, communities faced the challenge of reintegrating former combatants. Many of these young people had committed atrocities against the very villages they now sought to rejoin. The economic question was stark: would anyone hire them, trade with them, include them in economic life?
Some community members chose to do so, not primarily from magnanimity but from practical calculation. The former combatants were young, strong, capable of work. Excluding them from economic life meant they had few options beyond crime or re-recruitment into armed groups. Including them meant gaining workers, customers, producers. The risk was real—these were people who had caused terrible harm. But the alternative was guaranteed continued poverty and insecurity for everyone.
Women who had been abducted and forced to become "wives" of LRA fighters faced particularly difficult reintegration. Some communities rejected them, viewing them as contaminated or complicit. But other community members—often other women—chose to include them in savings groups, agricultural cooperatives, and market associations. This inclusion had economic logic: these women needed to earn income to support their children, and excluding them meant more dependents on already strained community resources.
The economics of forgiveness operated at two levels. Individually, those who chose to trade with, employ, or partner with former adversaries gained access to labor, goods, services, and opportunities that others forfeited through exclusion. Collectively, communities that reintegrated former combatants economically recovered faster than those that didn't, because they had more people contributing to production rather than depending on aid or turning to crime.
The Poverty of Perpetual Grievance
Maintaining conflict is expensive in ways that compound over time. The shopkeeper who refuses to serve customers from the other group loses not just immediate sales but long-term relationships that generate repeated business. The farmer who won't cooperate with neighbors on irrigation because of ethnic differences bears higher costs for water management and achieves lower yields. The community that excludes an entire group from its market reduces competition, increases prices, and limits everyone's options.
In Bosnia and Herzegovina, following the wars of the 1990s, many towns remained divided along ethnic lines. In some places, people refused to shop in stores owned by other ethnic groups, refused to hire across ethnic lines, refused to do business with former enemies. These economic boycotts were maintained not through formal rules but through social pressure and personal choice.
The result was economic stagnation. Towns where economic separation was most rigid recovered most slowly. Unemployment remained high because each ethnic group had access to only a fraction of available jobs. Prices stayed elevated because reduced competition allowed inefficient businesses to survive. Young people left because opportunities were limited. Everyone was poorer than necessary because everyone was excluding potential trading partners, employers, employees, and customers.
But in other locations, individuals began making different choices. A Bosniak woman started shopping at a Serb-owned store because prices were lower. A Croat business owner hired a Bosniak worker because he was skilled. A Serb farmer sold produce to Bosniak customers because they paid reliably. Each small transaction violated social norms about maintaining economic separation. Each was an act of courage that risked social censure.
These small acts of economic bridge-building accumulated. Other people noticed that those who traded across ethnic lines prospered while those who maintained boycotts struggled. Economic incentives began overcoming social pressure. Communities where this happened recovered faster, attracted more investment, provided better opportunities for young people, and gradually rebuilt the economic interdependence that makes violent conflict irrational.
The Merchant's Peace
There is an old observation that when goods cross borders, armies don't. This principle operates at every scale. When people trade with each other, they develop interests in each other's prosperity and security. The farmer who sells to customers in the neighboring village wants that village to be peaceful and prosperous because that protects his market. The shopkeeper who buys from suppliers in another region wants that region to be stable because disruption threatens her inventory.
In the Balkans during the Ottoman period, merchants often served as informal diplomats and mediators between communities. They had economic incentives to maintain peace because conflict disrupted trade routes, destroyed markets, and killed customers. A merchant who traded with both Orthodox Christians and Muslims had concrete reasons to prevent conflicts between these groups—not from altruism but from self-interest enlightened by commercial reality.
This same dynamic operates today. In towns along the India-Pakistan border, traders who maintain commercial relationships across the divide become constituencies for peace. They are the first to suffer when borders close and trade stops. They are the first to benefit when tensions ease and commerce resumes. Their economic interests align them with peace regardless of their political or religious affiliations.
In Mitrovica, Kosovo, a town divided between Albanian and Serb communities, a handful of businesses chose to serve customers from both sides. A taxi driver who picked up passengers regardless of ethnicity. A pharmacy that filled prescriptions for everyone. A bakery that sold bread to all comers. These businesses faced harassment from hardliners in both communities who viewed cross-community commerce as betrayal.
But these businesses also thrived. They had larger customer bases than competitors who limited themselves to one community. They had more consistent revenue because they weren't dependent on a single ethnic group's purchasing power. They attracted customers who valued service and price over ethnic solidarity. Over time, their success demonstrated that economic rationality favored inclusion over exclusion.
Credit, Trust, and Reconciliation
Few economic acts require more trust than extending credit. When someone lends money or goods with the expectation of future repayment, they make themselves vulnerable to betrayal. In post-conflict settings, where trust has been shattered, the resumption of credit relationships marks a profound shift.
In Rwanda, following the genocide, many survivors and perpetrators found themselves living side by side. The formal justice system addressed accountability through trials and gacaca proceedings. But economic reconciliation required different choices—people deciding whether to engage in the mutual vulnerability of economic relationships.
Women's savings and credit associations became crucial sites of this reconciliation. These groups, common across Africa, involve members contributing regular savings and taking turns accessing loans. Membership requires trusting others to repay, to contribute their share, to follow group rules. In post-genocide Rwanda, some associations included both survivors and wives of perpetrators serving prison sentences.
The choice to join such a group involved enormous emotional risk. For survivors, it meant trusting people connected to those who had murdered their families. For perpetrators' families, it meant facing people they had wronged. Yet thousands of women made this choice, not because they had achieved emotional closure but because they needed access to credit to feed their children.
These economic relationships created something that formal reconciliation programs often could not: regular, structured interaction that required cooperation and demonstrated reliability. When a perpetrator's wife repaid her loan on time month after month, she gradually rebuilt trust. When a survivor treated other members fairly despite her grief, she demonstrated that coexistence was possible. The economic necessity of cooperation created opportunities for human connection that might never have emerged otherwise.
The Speed of Economic Recovery
One of the most hopeful truths about post-conflict economics is how quickly markets can recover when people choose to cooperate. Physical infrastructure takes years to rebuild. Political institutions require decades to establish legitimacy. But markets can revive in months if individuals choose to trade.
In Mozambique, after years of civil war that devastated the economy, peace brought surprisingly rapid market recovery in some areas. Within weeks of fighting ending, traders appeared on roads that had been battlegrounds, carrying goods to exchange. Within months, markets reopened in towns that had been destroyed. Within a year, agricultural production surged as farmers planted again without fear of raids.
This recovery happened not because of massive international aid or government programs, though these helped, but because millions of individuals made small decisions to engage in economic activity. A farmer chose to plant a larger field, calculating that the harvest could now be sold safely. A trader chose to invest in inventory, betting that customers would return. A shopkeeper chose to extend credit, trusting that peace would hold long enough for repayment.
Each choice involved risk. Peace might not last. Violence might resume. The investment might be lost. But these individual decisions, taken in aggregate, created the economic recovery that made peace worthwhile. People who saw their material conditions improve had concrete reasons to support peace. Those who prospered through trade had interests in maintaining stability.
The speed of recovery varied dramatically based on how quickly people resumed economic cooperation across former conflict lines. In areas where ethnic or political divisions prevented trade, recovery was slow. In areas where people pragmatically engaged in commerce regardless of past conflicts, recovery was rapid. The difference was not in resources or aid, but in individual choices about whether to participate in economic exchange with former adversaries.
The Multiplier Effect of Reconciliation
Economic choices about forgiveness create multiplier effects that extend far beyond the immediate transaction. When Amina reopened her shop serving both communities, she did more than generate her own income. She created a neutral space where members of both groups could interact normally. She demonstrated that cross-community economic relationships were possible. She provided goods that improved life for families on both sides. She employed people who then had money to spend elsewhere. She paid suppliers who could expand their own businesses.
Every economic bridge across conflict lines creates ripples. The employer who hires across ethnic divisions demonstrates to other employers that this can work. The customers who patronize that business show that cross-community commerce is acceptable. The employee who works reliably despite coming from the "other side" challenges stereotypes. The success of integrated businesses pressures competitors to follow suit or lose market share.
In Lebanon, following the civil war, Beirut's downtown had been destroyed and divided. When reconstruction began, some business owners chose to establish enterprises that deliberately served all of Lebanon's diverse communities. A restaurant that attracted Christian, Muslim, and Druze customers. A bookstore that stocked literature from all traditions. A cafe that became a meeting place for people across sectarian lines.
These businesses succeeded partly because they accessed larger markets than competitors who catered to single communities. But they also contributed to broader recovery. They became proof that Beirut could function as a unified city. They created spaces where people from different backgrounds interacted positively. They demonstrated that sectarian division was economically suboptimal. Their success encouraged others to attempt similar cross-community ventures.
When Economic Rationality Overcomes Social Pressure
The choice to engage economically with former adversaries often involves defying social pressure from one's own community. Those who trade across conflict lines may be accused of betrayal, disloyalty, or caring more about money than identity. This pressure can be intense, even violent.
Yet economic rationality provides powerful counterarguments. The person who prospers by trading with former enemies demonstrates tangible benefits that ideology cannot match. When their children attend better schools, when their household has more food, when they can help relatives in need, the success becomes harder to dismiss as treason.
In Sri Lanka, following decades of civil war between the government and Tamil Tigers, communities in the north and east faced reconstruction challenges. Some Sinhalese business owners chose to invest in Tamil-majority areas despite social pressure to avoid these regions. Some Tamil entrepreneurs chose to do business with Sinhalese partners despite community expectations to maintain separation.
These choices involved real risks—social ostracism, accusations of collaboration with former enemies, even threats of violence. But they also generated real returns. Businesses that operated across ethnic lines accessed larger markets, better talent pools, more diverse supply chains. Those willing to invest where others feared to operate often found less competition and greater opportunities.
Over time, the success of these bridge-builders influenced others. When people saw their neighbors prospering through cross-community commerce while they struggled in smaller, segregated markets, economic rationality began overcoming ethnic solidarity. The choice to prioritize prosperity over division became easier to defend and more common to observe.
Your Economic Vote for Peace
Every purchase, every sale, every employment decision, every credit extension is an economic vote about what kind of world you want to live in. When you choose to do business with someone from a different background, especially someone your community views with suspicion or hostility, you invest in a more integrated, prosperous, peaceful future.
These choices are available to everyone. The consumer who patronizes businesses owned by people from different ethnic, religious, or political groups. The employer who hires based on competence rather than group affiliation. The lender who extends credit based on creditworthiness rather than identity. The merchant who serves all customers fairly regardless of background.
Each choice involves some risk. You might face criticism from your own community. The business relationship might fail. You might lose money. But you also might succeed, prosper, and demonstrate to others that cooperation pays better than division.
The economics of forgiveness is not about ignoring harm or abandoning accountability. It is about recognizing that continued economic separation punishes everyone, especially the most vulnerable. It is about understanding that prosperity and peace reinforce each other, and that both depend on millions of daily decisions by ordinary people about whether to trade, employ, extend credit, and cooperate across former conflict lines.
In markets around the world, peace is being built through transactions. A farmer sells to customers regardless of their ethnicity. A shopkeeper extends credit to someone from the formerly opposing side. An employer hires a worker based on skills rather than group membership. A consumer chooses a business based on quality and price rather than owner identity.
These are not dramatic gestures. They receive no international recognition. But they are the foundation of economic recovery and sustainable peace. They demonstrate that forgiveness is not just morally right but economically rational. They prove that peace pays better than war, not in abstract terms but in specific, measurable improvements to daily life.
When Amina unlocked her shop that first morning, she was not thinking about macroeconomics or peace theory. She was thinking about feeding her children and paying for their school fees. But her decision to serve both communities, to treat all customers fairly, to extend credit based on trust rather than ethnicity—these choices contributed to something larger than her individual prosperity.
In thousands of locations, people like Amina are making similar choices. They are reopening businesses, hiring across conflict lines, trading with former adversaries, extending credit despite risk, investing in shared prosperity. They are choosing forgiveness not because they have forgotten the past but because they understand that economic cooperation creates a better future than continued separation.
The arithmetic is clear. When people refuse to trade, both sides become poorer. When people choose commerce over conflict, both sides gain. The wealth generated through exchange creates incentives for peace that political agreements alone cannot match. And every person who chooses to participate in economic relationships across former conflict lines makes peace a little more real, a little more durable, a little more likely to last.
Your economic choices matter. Every time you trade with someone different from yourself, you vote for integration over separation. Every time you extend trust through credit, you invest in reconciliation. Every time you prioritize economic rationality over group solidarity, you demonstrate that peace pays better than war. These small choices, multiplied across millions of transactions, build the prosperity that makes peace permanent.
Frequently Asked Questions
Q: Isn't it wrong to prioritize economic benefits over justice for victims?
Economic reconciliation and accountability are not opposites—they work together. Justice systems address accountability for harm, which is essential. But economic exclusion punishes everyone, including victims who need functioning economies to rebuild their lives. When a genocide survivor in Rwanda joins a savings group with a perpetrator's wife, she's not excusing the crime—she's making a practical choice to access credit for her family. Many survivors report that economic stability gives them the foundation to pursue justice and healing. The goal is both accountability and functioning economies, not choosing between them.
Q: What if doing business with the "other side" makes me unsafe in my own community?
Your safety must come first. Economic bridge-building works best when done by people with sufficient social capital to withstand criticism. Start small and gauge reactions. Perhaps begin by purchasing from vendors in neutral locations before opening more visible business relationships. Sometimes indirect economic cooperation—working through intermediaries—reduces risk while still building connections. In highly polarized settings, even small acts like treating everyone fairly in existing transactions can plant seeds for future cooperation. Never sacrifice your safety, but look for opportunities appropriate to your situation and standing.
Q: How can I trust someone to repay a loan or honor a business deal after everything that happened?
Trust after conflict is rebuilt incrementally, not all at once. Start with small, low-risk transactions that allow both parties to demonstrate reliability. A small purchase before a large order. A short-term loan before a long-term investment. Working together on one project before committing to ongoing partnership. Many post-conflict business relationships begin with explicit verification mechanisms—clear contracts, third-party witnesses, staged payments—that reduce vulnerability while trust develops. Over time, repeated successful interactions build confidence. You're not asked to trust blindly, but to create structures that allow trust to grow through demonstrated reliability.
Q: Won't I be seen as profiting from others' suffering if I succeed economically after conflict?
All economic activity after conflict involves some interaction with people and systems affected by violence. The question is not whether to engage economically—everyone must—but how to do so ethically. Success becomes problematic when it comes from exploitation: paying unfairly low wages to desperate people, profiting from others' losses, manipulating post-conflict chaos. But success that comes from fair exchange, from providing needed goods and services, from creating employment, from treating all parties equitably—this kind of prosperity helps everyone and should not be viewed with suspicion. The distinction is whether your economic activity makes others better off or worse off.
Q: What if my community sees economic cooperation with the other side as betrayal?
This is one of the hardest challenges of post-conflict economic reconciliation. Some strategies: Frame choices in terms of practical benefits rather than ideology—"This supplier offers better prices" rather than "I believe in reconciliation." Demonstrate loyalty to your community in other visible ways so one area of bridge-building doesn't define you entirely. Find allies within your community who support pragmatic cooperation. Let success speak—when others see your family prospering, criticism often softens. In some cases, younger generations face less pressure and can initiate economic cooperation that elders later accept. Remember that someone must go first, and early adopters of cross-community commerce often face the most criticism but also reap the greatest rewards and eventually change community norms.
How To: Start Economic Bridge-Building in Your Community
When to use this: When you want to contribute to economic recovery and peace by engaging in business relationships across conflict lines, but need practical steps to manage risks and maximize positive impact.
Step 1: Assess your position and resources
- What economic activity do you already engage in? (employment, business ownership, purchasing, lending, etc.)
- What social capital do you have? (Can you withstand criticism from your community?)
- What skills, assets, or market access do you possess?
- What risks can you realistically absorb if economic cooperation fails?
Your starting point determines your strategy. Business owners can hire across lines. Consumers can shop cross-community. Employees can work in integrated settings. Lenders can extend credit beyond their group. Match your approach to your actual position and risk tolerance.
Step 2: Identify low-risk starting points
- Look for economic opportunities where cross-community cooperation already occurs at low levels
- Find neutral spaces where interaction is already somewhat normalized (certain markets, specific trade routes, etc.)
- Consider transactions that are relatively private and won't attract immediate attention
- Start with areas where economic logic is so compelling that your choice is defensible to critics
Examples: Shopping at a store in a mixed area rather than seeking out vendors from the other group in your own neighborhood. Hiring someone with excellent skills whose group membership is secondary. Purchasing goods where the other side has clear advantages (better quality, lower price, unique products).
Step 3: Begin with small, visible success
- Make initial transactions small enough that losses won't harm you
- Choose interactions where reliability can be quickly demonstrated
- Structure early deals with clear, simple terms that reduce misunderstanding
- Pay promptly and fairly; demand the same from others
- Let initial successes build your confidence and reputation
A shopkeeper might start by purchasing one popular item from a supplier across conflict lines, seeing if customers buy it and if the supplier delivers reliably, before expanding the relationship.
Step 4: Treat everyone with equal fairness
- Apply identical standards to all business partners regardless of background
- Don't give preferential treatment that makes integration seem like favoritism
- Hold people accountable for reliability and quality across all groups
- Be scrupulously fair in disputes—this builds credibility on all sides
Your legitimacy as a bridge-builder depends on being seen as genuinely fair, not as favoring the other side or your own side.
Step 5: Document and communicate success
- Track concrete benefits: increased income, better products, lower costs, more reliable service
- When questioned, respond with practical results rather than ideology
- "This supplier delivers on time and charges fairly" is stronger than "I believe in reconciliation"
- Let numbers speak: higher profits, more customers, better opportunities
Economic success is your best argument against those who criticize cross-community cooperation.
Step 6: Gradually expand and diversify
- As initial relationships prove reliable, increase their scope
- Add new partners and connections across conflict lines
- Diversify so you're not dependent on single relationships
- Help others make similar connections (introduce reliable partners to others seeking them)
The goal is normalizing cross-community economic activity, not just your individual success.
Step 7: Manage setbacks constructively
- Some cross-community business relationships will fail (as do many same-community ones)
- When problems occur, address them professionally without attributing failure to group characteristics
- "This partner didn't deliver as promised" not "People from that group are unreliable"
- Learn from failures and adjust your approach, but don't abandon the strategy
Step 8: Build protective social capital
- Maintain visible ties to your own community in other ways
- Find allies who support pragmatic economic cooperation
- Frame your choices in terms community members value (family welfare, practical benefits, children's opportunities)
- Be patient with critics—economic results often convert skeptics over time
Step 9: Create spillover opportunities
- As you succeed, help others make similar connections
- Introduce reliable partners from across conflict lines to others in your community
- Share information about opportunities in cross-community commerce
- Mentor younger or less established people in managing these relationships
Your success becomes more meaningful when it enables others to follow similar paths.
Step 10: Scale your impact over time
- As economic cooperation normalizes, advocate for policies that support it
- Support infrastructure that facilitates cross-community trade
- Encourage business associations, markets, and economic institutions that include all groups
- Your credibility as someone who successfully bridges economic divides gives weight to your voice
Special considerations:
For consumers:
- Begin by purchasing from vendors in mixed markets or neutral locations
- Gradually expand to shopping in areas dominated by other groups
- Recommend good vendors across conflict lines to friends and family
- Your purchasing power influences which businesses succeed
For employers:
- Start by hiring across conflict lines for positions where skill requirements make the choice defensible
- Treat all employees identically in terms of pay, conditions, and opportunities
- Address any problems individually, never attributing issues to group membership
- Your hiring decisions create employment and demonstrate integration can work
For business owners:
- Source from suppliers across conflict lines when they offer quality and reliability
- Serve all customers fairly regardless of background
- Consider partnerships that bring together skills and resources from different groups
- Your business success demonstrates that integration is profitable
For lenders (formal or informal):
- Assess creditworthiness based on economic factors, not group membership
- Start with small loans that allow borrowers to demonstrate reliability
- Use clear contracts and verification mechanisms to reduce risk
- Your lending decisions can make economic participation possible for excluded groups
When to seek help or pause:
- If you face serious threats to your safety
- If economic relationships are consistently failing despite your good faith efforts
- If you need legal, financial, or security expertise beyond your knowledge
- If the broader security situation deteriorates to the point where economic cooperation becomes impossible
Remember:
- Economic bridge-building is not naive idealism—it's rational self-interest enlightened by understanding that separation impoverishes everyone
- You don't need to forgive or forget to engage in mutually beneficial economic relationships
- Success comes from fair dealing and reliability, not from emotional reconciliation
- Your economic choices influence whether your community moves toward integration or continued division
- Every transaction across conflict lines makes the next one slightly easier and more normal
- You're not just building your own prosperity—you're investing in a more stable, peaceful, economically healthy community for everyone
The transition from conflict to prosperity happens through millions of individual economic decisions. Your choice to engage in fair commerce across former conflict lines is one of those decisions. It carries risk, but it also creates opportunity—for you, for those you trade with, and for everyone who benefits from the economic recovery that peaceful cooperation makes possible.