The objective of debt relief is to free up resources to improve the lot of the poor. But sustained improvements in governance are necessary for these resources not to be hijacked by vested interests and used effectively and efficiently to improve the delivery of education, health and other essential services.
Between the point of decision and the point of completion, each creditor can reduce the debt servicing; it is an individual decision. The point of completion has no fixed time. That depends on the performance of each country in the implementation of measurements which were decided.