However, if most people are potentially entrepreneurial risk-takers, when and where property rights are well guaranteed, then they will not be constrained by lack of access to credit, one would then expect to find a lack of people willing to work, as most people would want to start their own businesses. In reality, close to 75 per cent of the working-age population in developed countries are employees, not employers (entrepreneurs). The creation of stable and decent jobs through appropriate policies and institutional support is far more likely to contribute to poverty reduction, as recognized by the Millennium Development Goals. The welfare reform consensus of the mid-1980s converged on the notion that mandated work and job training could best alleviate poverty. Neoliberals are keen on making welfare contingent on work, and want to discipline welfare clients, while liberal welfare reformers want to deliver more training, health care and childcare to the underprivileged. However, almost everyone seems to think that the best way to proceed is with programmes targeted at the poor.