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The impact of HIV/AIDS cuts across all sectors of economic activities and social life. For example it not only reduces the stock of human capital but also the capacity to maintain the required turnover of many sought after skills and trainining like engineers, doctors, teachers, artisans and others. In the educational sphere, it leads to among other things a decrease in potential clientele for education, resources and even donor support. On the workforce, its impact increases expenditure on the one hand and decreases productivity on the other. …