Aspirations to move towards harmonised deposit-guarantee schemes and bank-resolution mechanisms cause even more alarm.
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But if Schengen is to survive, its members will demand harmonised and tougher immigration and asylum policies.
Some observers have suggested that this is a move towards harmonised corporation tax, but EU officials deny this.
Lobbyists expect European laws eventually to be harmonised in favour of private gambling.
After five years, the rates would be harmonised at 10% for all staff.
This harmonised approach enabled workers at smaller companies to benefit from the deals struck by bigger unions, which became national trend-setters.
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And the result of trying to concoct a tune that would please everyone: a load of harmonised but largely meaningless Euro-drivel.
It wants tougher European supervision of big banks (perhaps by the European Central Bank), commitments to boost competitiveness, and perhaps harmonised taxes.
For the track Vegetables, session musicians harmonised on various foods of the earth, including a carrot munched on by a passing Paul McCartney.
The result is that flight crews in Europe and Asia are now demanding global pay harmonised, of course, at the more generous American levels.
EU-wide harmonised index of consumer prices, the gap between British inflation and those of France and Germany is smaller than on national measures.
"We have informed the clubs and the national associations that those dates for Olympic qualifiers are outside the dates of the harmonised calendar, " a Fifa spokesman said.
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He told MPs he could not recall meeting anyone from any justice committee in any member state who wanted to work towards a "single harmonised" pan-European criminal law.
The eurozone measure of inflation - the harmonised index of consumer prices - was unchanged in November at 1%, highlighting the fact that inflation in the UK is still lower than in the eurozone.
In any case, some officials reckon that even if a fully harmonised set of EU rules is eventually achieved, it would be unlikely to ensure that all EU countries share a proportionately equal burden of asylum-seekers.
Consumer prices in Germany were 2.4% higher in November on the year while consumer prices in France were 2.2% higher, while the harmonised index of consumer prices showed a 2.2% rise in France and a 2.6% rise in Germany.
In 2007, when most other countries were nearing the end of a boom driven by excess credit, Germany had the highest unemployment rate (8.7% of the workforce on a harmonised basis) of the group of seven leading industrialised countries.
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