By the late 1980s, people realised that structural adjustment policies were worsening life for the world’s poor. The World Bank changed structural adjustment loans after that. In 1999, the World Bank and the IMF introduced the Poverty Reduction Strategy Paper to replace structural adjustment loans. Some people say that the Poverty Reduction Strategy Paper approach is just another way of using structural adjustment policies as it continues to do a lot of the same things. Neither way has solved the problems of why some countries are so poor. By making some countries owe others money, many believe that the World Bank has taken over those countries' power to choose how they run their economy.