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[email protected] web site: www.isspm.org Diversities – Potential for Development Montenegrin Human Development Report Podgorica, September 2005 Montenegrin Human Development Report Montenegrin Human Development Report 2005 Project Board Prof. Veselin Vukotić, PhD (President); Prof. Šerbo Rastoder, PhD; Prof. Milorad Ivović, PhD; Prof. Slobodan Vukićević, PhD; Prof. Vesna Kilibarda, PhD; Nail Draga, PhD; Petar Ivanović, PhD Project Coordinator Maja Baćović, PhD Co-authors Prof. Šerbo Rastoder, PhD; Prof. Milorad Ivović, PhD; Prof. Slobodan Vukićević, PhD; Maksut Hadžibrahimović, PhD; Maja Baćović, PhD; Petar Ivanović, PhD; Jadranka Kaluđerović, MA; Dragana Radević, MA; Nail Draga, PhD; Andrej Nikolaidis; Nina Labović, MA; Milica Vukotić, MA; Tijana Stanković, MA; Ana Krsmanović; Veselj Beganaj; Marina Milić, MA; Jelena Peruničić; Jelena Janjušević, MA; Milica Daković Statistical Team for Defining Human Development Indicators Dr Maja Baćović; Jadranka Kaluđerović, MA; Nina Labović, MA; Milica Vukotić, MA; Tijana Stanković, MA; Ana Krsmanović; Dragana Radević, MA; Marina Milić, MA; Jelena Peruničić; Jelena Janjušević, MA; Jelena Pavićević, MA; Gordana Radojević; Ana Bušković; Milica Daković; Marko Ćalasan; Ivana Vojinović Chief Adviser Peter Gudgeon, Regional Adviser, United Nations Department