To complete the first step for debt forgiveness under the International Monetary Fund and World Bank's Highly Indebted Poor Countries, low- or middle-income nations must: Question 12 options: Keep putting into place the macro-economic policy reforms required as part of a World Bank or International Monetary Fund loan Adopt and implement a poverty reduction support strategy program Stop implementing the macro-economic policy reforms required as part of a World bank or International Monetary Fund loan Both a and b Both a and c Both b and c