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OUR SUGGESTIONS

Policy Recommendations for Govt. of Pakistan

To Make A Better & Naya Pakistan.

LIST OF SUGGESTIONS

Lahore Resolution II (23 March 2018) لاہور قرارداد

These demands listed below represents collective efforts by overseas pakistanis to address widespread issues in our country such as corruption, bribery, jobbery, nepotism, favoritism, murder of merit, ghost employees, lethargic attitude of government officials, snobbish and sluggish bureaucrats lack of justice, absence of fair-play, character-assassination, mud-slinging, yawning unemployment, denial of human rights and civil liberties, honor killings, rapes, day-light robberies, gross injustices and income-inequality in Pakistan.


OUR 71 SUGGESTIONS

  1. BASIC NECESSITIES POLICY AND REFORM: 
    {1.1} Universal Basic Income or Negative Income Tax for All Citizens, an unconditional income that is sufficient to meet a person's basic needs.

    {1.2} Universal Free Healthcare system that provides healthcare and financial protection to all citizens.

    {1.3} Clean Water or Safe drinking-water that does not represent any significant risk to health over a lifetime of consumption.

    {1.4} Provide Basic Food & Nutrition to all citizens, which is balanced diet, vital for good health and wellbeing which provides sufficient energy, protein, essential fats, vitamins and minerals to live, grow and function human body properly.

    {1.5} Substantial Clothing for people with low or no income.

    {1.6} Free Public Transportation for people with low or no income.

    {1.7} Job and Work Training for people with low or no income.

    {1.8} Subsidized Low-cost (Rental based) Housing project for people with low or no income, without destroying private real estate business industry, which provide jobs for millions of people in Pakistan.

    {1.9} Disability Benefits for people with low or no income.

    {1.10} Welfare Benefits for people with low or no income.

    {1.11} Unemployment Benefits for people with low or no income.

    {1.12} Widowhood Benefits for people with low or no income.

    {1.13} Family & Children Benefits for people with low or no income.

    {1.14} Paid Maternity Leave (481 Days) for working mothers.

    {1.15} Pension for retired people (everyone), after 60 years old, according to recently paid taxes, and guaranteed minimum pension for people with low or no income.

    {1.16} Life & Healthcare Insurance for people with low or no income.

    {1.17} Shelter for Homeless for people with no income.

    {1.18} Shelter & Protection for Victims of Domestic Violence.

    {1.19} Social and Welfare Services for people with low or no income.  

    {1.20} Start Kalabagh Dam construction as soon as possible, and every year make at least 10 smaller dams.  

    {1.21} Small water filtration plants must be installed at every 10 kilometers in rural areas and every 1 kilometer in cities and every 200 meters in congested City Centre areas. Portable water cleaning bottles must be distributed in remote areas.

  2. EMERGING TECHNOLOGIES AND DISRUPTIVE INNOVATION: 
    Pakistan must spend at least 10% of the total Federal, Provincial & City budget annually on emerging technologies: such as the most vital fields of 3D Printing, Algorithms, Analytics, Artificial Intelligence, Augmented & Virtual Reality, Automation , Autonomous Auto, Big Data, Bioinformatics, Biometrics, BioTechnology, Blockchain, BPO, Business intelligence, Circular Economy, Cloud Computing, CMS, Cognitive Computing, Communications, Computational Biology, Computational Chemistry, Computational Engineering, Computational Linguistics, Computational Neuroscience, Computational Physics, Computational Science, Computational Social Science, Computer Animation, Computer Engineering, Computer Science, CRM/ERP, CrowdFunding, Crowdsourcing, Cryptocurrencies, Cryptography, Cyber Law, Cyber Security, Data, Databases, Decentralization, Deep Learning, Deep Web, Design , Digital, Digital Art, Digital Media, Digitization, Distributed Computing, Drones, E-Advertising, E-Business, E-Commerce, E-Education, E-Governance, E-Healthcare, E-Journalism, E-Payments, E-Procurement, E-Publishing, E-Textiles, Fashion Tech, Fiber Optical, FinTech, Forecasting, Forensics, Fusion Power, Gadgets, Gaming, Human-Computer Interaction , Hyperloop, IaaS, Identity Management, Industrial Robot, Informatics, Information, information Science, Information System, Information Technology, Intellectual Property, Interactive Media, Internet, Internet Exchanges, Internet of Things, IT Management, Knowledge Management, Lasers, Life Extension, Life Sciences, Machine Learning, Mass Media, Military Tech, MIS, Mobile, Mobile Apps, Mobile Computing, Nanotechnology, Neural Networks, Open Source, Operating Systems, Optical Computing, PaaS, Parallel Computing, Peer-2-Peer, Photovoltaics, Precision Agriculture, Prosthesis, Quantum Computing, Renewable Energies, RFID, Ride Sharing, Robotics, SaaS, Satellites, Search Engines, Semiconductor, Sensors, Sharing Economy, Simulators/Emulators, Smart City, Smart Home, Smart Office, Social Media, Software, Software Engineering, Space Exploration, Sponge Cities, Statistics, Stealth Technology, Stem Cell, Streaming, Super Computing, Surveillance, Sustainability, Sustainable Design, Systems Engineering, Systems Science, Technology, Telecommunications, TeleMedicine, Trading, TVoIP, Ubiquitous Computing, UI/UX/CX, Urban Computing, Urban Informatics, Vertical Farming, Video Games, Virtual Assistant, Virtual Economy, Visualization, Vlogs, Water Technology, Wearables, Weather Tech, Web Design, Web Engineering.

  3. EDUCATION AND TRAINING POLICY:
    {3.1} Free education until Grade 12.

    {3.2} Low Interest education loans for university students.

    {3.3} The same syllabus for all students until Grade 12 nationwide.

    {3.4} Teaching of English should be declared compulsory until Grade 12.

    {3.5} Free lessons for everyone in local schools for English language.

    {3.6} Free lessons for everyone in local schools for computer literacy.

    {3.7} At least 10 percent of GDP must be spent on education.

    {3.8} Grant of educational scholarships for deserving and ambitious students of low-income parent/s earning less than 50,000 rupees.

    {3.9} Technical education at early age for high school students, similar to German model.

    {3.10} Open emerging technologies university in every division.

  4. REAL ESTATE  POLICY AND RETIREMENT HOMES REFORM: 
    {4.1} Set Up a federal housing agency similar to American FHFA and Canadian CMHC, name Pakistan Public Homes Agency (PPHA) for low-cost subsidized housing for people with no or low income.

    {4.2} Build 10 million low-cost subsidized homes in both rural/urban areas with the help from public and private sector home building partnership.

    {4.3} Build 7 million Retirement homes in the Ocean Front and Northern Areas for senior citizens with the help of private banking sector and foreign investment.

    {4.4} The home loans must be insured by the federal government for no or low-income families.

  5. EMPLOYMENT & LABOR SECTOR POLICY:
    Minimum salaries equal to the price of 10 grams of gold, unemployment benefit equal to 8 grams of gold, pension equal to 6 grams of gold, and welfare 4 grams of gold.

  6. GOVERNMENT TRANSPARENCY POLICY:
    {6.1} All government records should be computerized and stored based on Blockchain database technology.

    {6.2} All government identifications such as national passport, NADRA IDs, weapon licenses, birth certificates, marriage certificates, divorce certificates, death certificates, must be stored in Blockchain database.

  7. PUBLIC SOVEREIGN WEALTH FUND:
    Pakistan must set up ‘Pakistan Public Fund (PPF)’ a public sovereign wealth fund similar to Norway’s Government Pension Fund, Abu Dhabi Investment Authority, China Investment Corporation, Kuwait Investment Authority, Qatar Investment Authority, Australian Future Fund, Turkey Wealth Fund, Temasek Holdings etc.

    And the income generated by ‘Pakistan Public Fund (PPF)’ to be spent on public welfare such as low-cost housing, free education, free healthcare and free food services.

  8. PUBLIC INCOME POLICY & PRIVATIZATION COMMISSION:
    {9.1}  Citizens must be awarded dividend as their due share from the income generated by the government-run institutions like Pakistan Steel Mill or PIA from their assets. This can be done by establishing a Pakistan Public Corporation (PPC) for the equal profit-share grant.

    {9.2}  Complete shutdown of the Privatization Commission and hold-on of the sale of national assets.

  9. TAX REFORM POLICY (IMPORT/EXPORT):
    {10.1} Tax credit for exports and higher taxes on imports but with the exception on imports of products related to healthcare, education, emerging technologies, renewable energies, non-luxury products sold under 19,478 Pakistani rupees.

    {10.2} Reduce export duties to compete with China and India.

  10. JUDICIAL REFORM:
    {11.1} Halt death penalty (capital punishment) because it is against the norms of human rights. We have no right to take away someone’s life if we are not able to give them life. Aside from it, this law would also prevent cases and precedents of gross injustice such as the high-profile case of hanging of former prime minister of Pakistan Zulfikar Ali Bhutto (Shaheed) and numerous other examples.

    {11.2} End to the Jirga and Panchaiyat system in villages. All litigation matters to be referred to courts to decide.

  11. TEACHER EDUCATION REFORM:
    Fixation of salary of a teacher equal to 20 grams of gold price to raise the standard of education by providing quality education to the future generation students. Apart from it, teachers should be paid full-month salary during the summer vacation.

    (We believe that good teachers are the backbone of a high-quality education. Unfortunately, students in high-poverty schools are more than three times as likely to be taught by an unsatisfactory teacher as students in low-poverty schools).

  12. PRIVATE SECTOR LENDING REFORM:
    {13.1} Lenders should not be allowed to charge more than 15 percent maximum annual interest rate on all kinds of consumer loans.

    {13.2} For all lending or borrowings, a notary public attested document (stamped paper) must be signed by both parties involved, failing which neither of the claim would be considered valid and the plaintiff will have the right to move court.

  13. PROVINCIAL AND STATE REFORM:
    Research and findings show and prove that small states or countries have always emerged successful because logically smaller states are purged of the disputes, issues and rifts which are normally prevalent in bigger states, so 9 out of 10 highest GDP per capita income countries are small nations such as Qatar, Macau, Luxembourg, Singapore, Brunei, Kuwait, United Arab Emirates, Hong Kong, San Marino.

    Therefore, it is suggested that we create more provinces in Pakistan for a better and strong country. We can convert each Division into an independent province.

    We suggest creating 43 smaller provinces such as; (1) Bahawalpur. (2) Bajaur. (3) Baltistan. (4) Banbhore. (5) Bannu. (6) Dera Ghazi Khan. (7) Dera Ismail Khan. (8) Diamir. (9) Faisalabad. (10) Gilgit. (11) Gujranwala. (12) Hazara. (13) Hyderabad. (14) Islamabad. (15) Kalat. (16) Karachi. (17) Khyber. (18) Kohat. (19) Kurram. (20) Lahore. (21) Larkana. (22) Makran. (23) Malakand. (24) Mardan. (25) Mirpur. (26) Mirpur Khas. (27) Mohmand. (28) Multan. (29) Muzaffarabad. (30) Naseerabad. (31) North Waziristan. (32) Orakzai. (33) Peshawar. (34) Poonch. (35) Quetta. (36) Rawalpindi. (37) Sahiwal. (38) Sargodha. (39) Shaheed Benazirabad. (40) Sibi. (41) South Waziristan. (42) Sukkur. (43) Zhob.

  14. GOVERNMENT AND PUBLIC ADMINISTRATION POLICY:
    No VVIP protocol on roads which blocks the traffic flow and creates a traffic jams.

  15. ELECTION COMMISSION OF PAKISTAN REFORM (ECP):
    {16.1} Elections and voting system must be computerized and based on Blockchain database technology.

    {16.2} During the general elections, for foolproof supervisory role one each from amongst the four key players i.e. military personnel, lawyer appointed by the Supreme Court of Pakistan, media person, and a teacher from the teachers’ association ’will be assigned the election duty.

    {16.3} If a winning contestant (candidate) returns to claim a seat with less than 10 percent votes as compared to his previous victory for the same candidature in his/her constituency, they will stand disqualified straightaway.

    {16.4} No restriction or rule should be imposed in the name of a “reserved seats” quota for women, meaning thereby that there must not be any discrimination in this matter. Any citizen of Pakistan regardless of being a male, female and transgender can run for a public office by contesting the election.

  16. FEDERAL BOARD OF REVENUE REFORM (FBR):
    {17.1} The FBR should be the single department for tax collection in the whole country.

    {17.2} Negative income tax out of the overall excess (collected) tax should be disbursed among all taxpayers proportionately to alleviate poverty.

  17. POLITICAL REFORM:
    {18.1} Family members of the (current or ex) prime ministers, presidents, chief ministers and governors should not be allowed to contest election and run for the same office (seat).

    {18.2} Prime minister, president, chief ministers, governors must pass CSS or something similar test to be qualified.

    {18.3} All declared assets owned by any government officials, members of parliament and/or any election contestants/candidates must be put up for an auction to general public at 100% higher premium to the highest bidder, if someone declares his assets under-value.

    {18.4} All members of the provincial and federal parliament and senators will stand disqualified if their children proceed abroad for further or higher education of any level.

    {18.5} All parliamentarians and their families will avail themselves medical facilities and treatment only in national hospitals where the common-man is treated and in no case will be allowed to proceed abroad for this very purpose.

    {18.6} Candidates running for both the Provincial and National Assembly seats must have income in last 7 years and must be tax filer. And the average monthly income must be higher than the price of 20 grams of gold.

    {18.7} Dual nationals cannot run for a public office until and unless they were born and raised inside Pakistan for the first 18 years of their life.

    {18.8} Religious scholars (clerics) must not be allowed to exploit religion for a successful career in politics.

    {18.9} Public debate on personal lives of political leaders and any such discussions in the media circles should not be allowed since that does not lower, in any way, their political stature.

    {18.10} A candidate can get the ticket only from the same Division to which they belong to (or live at).

  18. PAKISTAN ELECTRONIC MEDIA REGULATORY AUTHORITY (PEMRA) AND PID:
    {19.1} PEMRA & PID both should act as an independent agency and should not be controlled by the government that abuses its power to take any undue advantage. The prime example we witnessed during the General Pervez Musharraf rule of the shutting down of the Geo Television network.

    {19.2} Set up anti-propaganda agency.

  19. AIRPORT REFORM:
    All international airports of Pakistan should be named only after our national heroes and philanthropists and non-political figures such as the Quaid-e-Azam, Allama Iqbal, Dr A Q Khan, Abdul Sattar Edhi etc.

  20. AUTOMOTIVE INDUSTRY REFORM:
    {21.1} For automotive industry, zero-tax on import of cars costing less than 1 million rupees, zero-percent duty on electric cars, tax credit for local productions.

    {21.2} Tax credit to import Tesla cars for each household.

  21. IMMIGRATION & VISA POLICY REFORM:
    {22.1} Visa-free entry for all countries whose GDP per capita income is 10,500 + US dollars except for Israel, Iraq, China and Venezuela.

    {22.2} The Afghan nationals born inside Pakistan or living in Pakistan before 2011, except for those who have Indian visas or they have visited India, should be given the citizenship rights on humanitarian basis.

    {22.3} Promotion of business tourism.

  22. FREE TRADE ZONES POLICY:
    Free-trade zones for every city, divisions and province.

  23. CONSUMER PRODUCTS TAX POLICY:
    Higher taxes on tobacco related products.

  24. MATRIMONIAL REFORM:
    The legal age for consent of marriage must be fixed at 19 for both males and females. Forbid child marriages under 19.

  25. SOCIAL ISSUES REFORM:
    Complete ban on dower (or Jahez) in case of violation a 15-year jail term must be imposed.

  26. BANKING SECTOR POLICY AND FINANCIAL REFORM:
    The concession given in case of the written-off loans issued by any banks or financing corporations since 1988 must be revoked.

  27. CONSUMER PROTECTION REFORM:
    {28.1} Up to 20 years of jail time for adulteration of food items must be implemented and enforced.

    {28.2} The establishment of price control department for food and groceries.

    {28.3} Set up a local community based Consumer Protection Department.

  28. FOREIGN AFFAIRS POLICY:
    {29.1} The adoption and practice of an unbiased and unprejudiced (neutral) foreign policy.

    {29.2} Improve relationship with United States, Canada and European Union.

    {29.3} Decrease tensions between our neighbouring countries.

  29. URBAN PLANNING POLICY:
    Build up new smart cities on a smaller scale in every Division. A "smart city" is one that has developed technological infrastructure that enables it to collect, aggregate, and analyze real-time data to improve the lives of its residents. The recent research reports suggest that any smart city effort should include explicit policy recommendations regarding smart infrastructure and data, a functioning administrative component, and some form of community engagement.

  30. MANUFACTURING REFORM:
    {31.1} Establish Manufacturing zones in every Division in Pakistan.

    {31.2} Expand the existing industries for enhanced production with financial support similar to South Korean companies such as Samsung, Hyundai, Daewoo, LG etc.

  31. PAKISTAN INTERNATIONAL AIRLINE REFORM (PIA):
    Expansion of PIA network globally and start international cargo services, which will provide discounted courier service to Pakistani exporters.

  32. PAKISTAN STEEL MILLS REFORM:
    Pakistan Steel Mills should start making consumer and electronic products to generate foreign reserves and create more job opportunities.

  33. RENEWABLE ENERGIES POLICY:
    {34.1} Three percent of Pakistan’s budget should be spent on renewable energy every year.

    {34.2} Set up solar energy parks to produce clean and cheap electricity and set up a local manufacturing unit to produce solar panels. Furthermore, zero-import tax to support solar panels.

  34. MICROFINANCING POLICY:
    Interest-free micro-financing loans for less than 51,000 rupees.

  35. POLICE AND LAW ENFORCEMENT REFORM:
    {36.1} Community based divisional police who are not under the provincial or federal politically-elect administration, similar to Canada.

    {36.2} On-duty police officers must be recorded with audio and video.

    {36.3} Prison reforms must include education to the inmates as well as their therapy. To make them useful and responsible citizens, they must be made to work to earn for their families and thus support them financially.

    {36.4} For all criminal cases, conduct lie-detector and polygraph tests for evidence.

    {36.5} Increase the police department salaries so they would be less prone to corruption.

  36. NGO REFORM:
    Rules and regulations for foreign NGOs operating in Pakistan using their status as charitable organizations to spy on Pakistan.

  37. CHILDREN RIGHTS POLICY:
    Ban child labor up to the age of 14 years.

  38. PAKISTAN POST REFORM:
    Restructure Pakistan Post with new products and services such as supply chain management, product warehousing similar to Amazon and Alibaba.com, start online shopping portal with free post-delivery, digital data housing, shipping consumer products for the ecommerce website products, digital subscriptions, music and movie industry, DVD delivery by post at low cost, low-cost international shipping to promote made-in-Pakistan products internationally, collaborate with PIA cargo to expand local and global network.

  39. PAKISTAN RAILWAYS REFORM:
    {40.1} Build Hyperloop transportation network for public travel.

    {40.2} Railway industry reform, tourism development, install new train tracks, start bullet train for long-distance travel, collaborate with Pakistan Post and PIA cargo for deliveries, one-time free travel for domestic airline ticket-holders, 30-day ticket-free travel for international tourists.

  40. AVIATION INDUSTRY POLICY:
    {41.1} Establish airplane manufacturing, production and Maintenance Company.

    {41.2} Establish Aviation Investment Bank for public financing.

    {41.3} Expand exploration program.

  41. OVERSEAS PAKISTANI POLICY:
    Bring back highly-educated and talented overseas Pakistanis to benefit from them for education and training.

  42. NATIONAL ACCOUNTABILITY BUREAU REFORM (NAB):
    All the NAB data should be made available online and must be stored database Blockchain online.

  43. SHARING ECONOMY POLICY:
    Develop infrastructure and legal framework for shared-economy organizations such as Uber, AirBnB, CouchSurfing, Careem, Didi, Mobike.

  44. FINTECH, BLOCKCHAIN, CRYPTOCURRENCIES AND DECENTRALIZATION POLICY:
    Develop infrastructure and legal framework for Financial Technology ,Blockchain, Cryptocurrencies and Decentralization, and Cryptocurrencies.

  45. HELPING NATIONS AND PHILANTHROPY POLICY:
    Spend one percent of the GDP to pay off debt for other poor countries.

  46. CORRUPTION CONTROL POLICY:
    An official demanding bribe, if get caught red-handed, will have to surrender his assets including movable and immovable property for a forced sale as penalty of which half share will go right into the pocket of the complainant and the rest to the government.

  47. HUMAN RESOURCES, SKILLS AND SOCIAL DEVELOPMENT (HRSSD):
    Set up a semi-government agency Pakistan Human Resources, Skills and Social Development (HRSSD) to promote education, training, skill-based programs, and regulation of the youth-related programs/courses to motivate the workforce and provide unemployment benefits.

  48. SOCIAL SERVICES MANAGEMENT POLICY:
    Every citizen should be issued a Social Insurance Number (SIN) after biometric verification, which can be used to identify him/her in order to obtain social services such as healthcare services, unemployment benefits, pension, welfare benefits, tax credit, educational loan, small business grants, and other government-related programs.

  49. CONSUMER CREDIT RATING AGENCY:
    Set up a credit rating agency similar to Equifax, Experian or TransUnion to create consumer credit rating profile in order to provide financial services by government or private organization.

  50. BUSINESS REGISTRATION AND IP/TRADEMARK POLICY:
    Online self-service business registration system based on Blockchain, which includes intellectual property (IP) and trademark protection.

  51. FOOD SAFETY POLICY:
    Ban genetically modified organisms (GMO) food completely.

  52. DEBT REPAYMENT:
    Five percent of the federal budget must be spent for paying off the external debt.

  53. LAND RECORDS REFORM:
    Make all property and land records computerized and store inside Blockchain database.
      
  54. MADE IN PAKISTAN PRODUCTS PROMOTION POLICY:
    Set up trade office in every Pakistani embassy and consulate worldwide to promote Pakistani businesses who depend on exports, open or start more diplomatic missions in major cities and smaller countries to promote our culture, heritage, traditions and locally-manufactured products. Instead of spending millions of dollars on luxury buildings to open up embassy offices, rather spend that money to buy small-size hotels which can host our embassy/consulate and generate sufficient revenue for self-sustainability. Moreover, they won’t have to spend taxpayers’ money to pay bills and salaries.

  55. GOVERNMENT OWNED ASSETS MANAGEMENT POLICY:
    Publish online list of all the government-owned assets belonging to Pakistan. The information must include the name of buyers, seller administration, contact person who authorize this sale and where that money was spent.

  56. CHINA–PAKISTAN ECONOMIC CORRIDOR (CPEC):
    Publish online agreement details and disclose how much money in CPEC is being given to Pakistan as loan (at what interest rate) or investment or donation.

  57. PUBLIC UTILITY BILLS REFORM:
    First 2,000 rupees 99 percent rebate, next 8,000 rupees 66 rebate, next 10,000 rupees 33 percent rebate. And afterwards, consumers/businesses with over Rs 100,000 bill will pay 25 percent extra service charge.

  58. PAKISTAN ENTERTAINMENT INDUSTRY FUND (PEIF):
    Set up a Pakistan Entertainment Industry Fund (PEIF) to provide funding annually for at least 52 movies, 52 television dramas, 52 comedy plays, 52 stand-up comedy shows, 365 cultural events.

  59. PAKISTAN HANDICRAFTS DEVELOPMENT FUND:
    Set up Pakistan Handicrafts Development Fund to promote locally handmade handicrafts and marble products which are extremely popular in the Western world.

  60. CELEBRITY WELFARE FUND (PCWF):
    Set up a Pakistan Celebrity Welfare Fund to help financially our national heroes who fell seriously sick and are bedridden merely for want of direly-needed funds for their medical treatment.

  61. PAKISTAN SPORTS PROMOTION FUND (PSPF):
    Set up Pakistan Sports promotion fund to promote every single healthy sport which does not hurt anyone physically, and set up sports facilities besides cricket and to promote more other sports such as soccer, football, hockey, air sports, archery, basketball, board sports, climbing, cycling, badminton, fishing, golf, handball, hunting, Ice sports, running, surfing and skiing, lacrosse, canoeing, kayaking, rafting, swimming, weightlifting, volleyball, dodgeball, snooker, gymnastics, running, auto racing, motorbike racing etc.

  62. HARASSMENT AND DOMESTIC VIOLENCE PREVENTION POLICY:
    Pass strict laws against verbal or physical harassment, or for domestic violence as a result of some family or matrimonial disputes.

  63. CYBERCRIME PREVENTION BATTALION:
    Under Pakistan Armed Forces, set up a new battalion to deal with cyber-crimes sternly and international cyber threats.

  64. PAKISTAN EXIT CONTROL LIST POLICY (ECL):
    Pakistan’s exit control list (ECL) should be under joint control of Pakistan Armed Forces and Supreme Court of Pakistan.

  65. AUTO INSURANCE POLICY:
    Mandatory auto insurance, which includes full liability, accidents, collision insurance, comprehensive insurance, injury protection, property damage, life insurance, uninsured people, loan/lease payoff, loss of use, towing, loss of employment.

  66. DISASTER PREVENTION AND SAFETY AWARENESS (DPSA):
    A disaster management institution under the military must be set up to provide rapid and immediate relief to the affected in case of a national disaster.

  67. MEDIA & YELLOW JOURNALISM POLICY:
    A media-related new legislation should be done to discourage yellow journalism. For example, if a reporter resorts to mudslinging (as desired by the Company Management) to defame some individual or a group, company/organization/institution the aggrieved party should sue the media organization.

  68. ANTI-DISCRIMINATION POLICY:
    Law to deal with discrimination should be made and practiced to move court against the violators and no-one should be discriminated against for color, creed, race, religion, culture, traditions, belief etc.

  69. GENDER INEQUALITY POLICY:
    Gender equality should be observed for sure equal opportunities for all, legal protection, justice, civil rights and liberties without a gender bias and severe punishments for inequality violation.

  70. SUBSIDIES POLICY:
    Subsidies for certain industries, such as export, national crown corporations, healthcare, education, Research & Development, Manufacturing, Production, Employment, Housing and Environmental.

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