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Banks are charged for circuits to the access point, in addition to the charge for international lines. Apart from the problem of high circuit costs, the cooperative faces problems with downtime. However, through persistence, SWIFT has been able to negotiate better prices in some of the countries. International tariffing is also undergoing changes that are important to telecommunications users. According to presentations made at Africa Telecom '90, the International Telecommunication Union conference in Harare, Zimbabwe, there is a serious attempt being made by subregional organizations, such as the Pan-African Telecommunications Union.