Sentence:  But these countries have made big strides toward developing the necessary human and social <WSD>overhead</WSD> capital ; they have established reasonably stable and effective governmental institutions at national and local levels ; and they have begun to develop a capacity to deal realistically and simultaneously with all the major sectors of their economies . 
Meaning of the word marked with <WSD> tags:  the expense of maintaining property (e.g., paying property taxes and utilities and insurance); it does not include depreciation or the cost of financing or income taxes