Greece and its international lenders — a troika of the International Monetary Fund, the European Commission and the European Central Bank — have not yet reconciled their expectations regarding the 2014 Greek budget. The Greek government estimates a ???500 million gap, while the troika believes the gap is ???2 billion. In addition, the Greek government has not yet met reform milestones for downsizing the civil service and privatizing utilities. Release of ???1 billion in promised loans is contingent on those reforms being met.