cap and trade made in america —the advent of u s emissions markets with sulfur dioxide and other emissions
Governance and the Success of U.S. Community Banks, 1790-2010: Mutual Savings Banks, Local Commercial Banks, and the Merchants (National) Bank of New Bedford, Massachusetts doc
... eggs in as many baskets as possible.”31) Also, the small investor gained from savings banks’ scale and expertise Savings Alan Olmstead, “Investment Constraints and New York City Mutual Savings ... directors, officers, major stockholders and their friends, families, and business associates, because it could be used to expropriate resources from outsiders, including minority stockholders, depositors, ... Governance and U. S Community Banks, 1790-2010 21 finance micro-businesses.103 Most such lending was done by individuals, including Benjamin Franklin, who thought so highly of the business that he established...
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Tài liệu Déjà Vu All Over Again: The Causes of U.S. Commercial Bank Failures This Time Around* docx
... lower earnings as measured by ROA, and worse liquidity as measured by Cash & Due to assets, Investment Securities to assets, and Brokered Deposits to assets These results closely follow the univariate ... to failure Robustness Checks and Extensions In this section, we provide a set of robustness checks on our basic results, as well as extending them in interesting ways First, we exclude our technical ... Since loan loss reserves represent a reduction in assets against anticipated losses on specific assets (e.g., a loan), they provide a source of strength against subsequent losses Consequently, we...
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The State of U.S. Railroads docx
... protection of society s essential physical assets and natural resources and to enhance the related social assets of safety and security of individuals in transit and in their workplaces and communities ... Railroads impose other social costs, such as accidents at grade crossings and in rail yards Trains also emit pollution, and they are noisy The social costs of trucks and railroads are different Quantifying ... add industry structure as a factor This chapter discusses the current trends in each of these factors that together form an understanding of rail capacity Capacity: Industry Structure Early in the...
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Music cover, the effects of it and The attitudes of NEU’s students to Music cover in Vietnam
... covered songs They are indifferent with Vietnamese songs and make Vietnamese culture forgotten 37% of surveyed students agree with this idea Because singers sing covered songs so musicians are ... these genres Based on the results, seeing that young people in Vietnam in general and especially NEU s students in particular often listen to pop music Furthermore this study find out on the internet, ... break out as a tendency Most of musicians and singers cover and sing a lot of songs which have melodies like foreign songs So this tendency made music source more and more plentiful especial about...
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HOW TO IMPROVE LISTENING SKILLS IN TOEIC THE CASE OF questions and responses short conversations
... 15 units and help teachers design a 45-minutes test II Survey questionnaires Method of survey In this survey, I used survey questionnaire to get information In this survey questionnaire, set of ... case of: Question-Responses and short conversations that contain 18 social communicative structures with specific situations to provide the students with of common daily expressions through Base ... taking place, but from the clues in the photo, you can assume that it is Part two: Questions and Responses (30 questions) In this part, you will hear a question and three possible responses You...
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Tài liệu Cleaner Water in China? The Implications of the Amendments to China’s Law on the Prevention and Control of Water Pollution pptx
... Administration of Water Pollutant Discharge Permit Systems.51 Under these different systems, permits have been issued in increasing numbers In 1996, over forty thousand permits were issued in ... issued nearly doubled by the year 2000, with over eighty thousand permits issued.53 While these numbers may seem promising, the number of permits issued lags behind the number of polluting industries ... containing any high- or medium-level radioactive substances”;98 (3) “industrial waste residues, urban refuse, or other wastes”;99 and (4) “[a]ny highly toxic soluble waste residue containing such substance...
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PET in the Evaluation of Alzheimer’s Disease and Related Disorders docx
... substance use should include a nonjudgmental inquiry about the amount of alcohol and other substances used, length of use, periods of sobriety, and impact of use on relationships and functioning Information ... cognitive functioning Cognitive screening includes using validated screening instruments, such as the MMSE, and brief bedside assessments Cognitive screenings are usually sensitive to significant cognitive ... diagnostic tests yield inconclusive findings Neuropsychological Testing A neuropsychological evaluation consists of administering a battery of standardized tests to assess cognition Test result interpretation...
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WORKING PAPER SERIES NO. 398 / OCTOBER 2004: MERGERS AND ACQUISITIONS AND BANK PERFORMANCE IN EUROPE THE ROLE OF STRATEGIC SIMILARITIES potx
... dissimilar institutions, although results differ markedly for domestic and cross-border mergers and across some of the strategic variables Table illustrates the responsiveness of banks’ post-merger ... provisions to int ratio Other operating inc to total assets Off-balance sheet to total assets Customer loans to deposits ratio Return on equity Return on assets Other expenses to total assets Std ... sheet activities (OBS) is measured as the ratio of off-balance-sheet activity to total assets (OBS/TA) At the outset, dissimilarities in non-interest income sources of revenues (OOR/TA) and in...
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Factors infl uencing the risk of breast cancer – established and emerging ppt
... arise from contamination of the food chain and from the use and disposal of many everyday products such as TVs, computers, cars, construction materials, toys, toiletries and cosmetics CHEM Trust ... reflect the of cial views of the funders and the EU institutions Factors in uencing the risk of breast cancer – established and emerging April 2008 Introduction Most of us will know of someone affected ... and having certain kinds of noncancerous breast disease44 In addition, exposure to ionizing radiation such as X-rays has been shown to increase cancer risk but this should not stop women having...
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Bringing the Hidden Giants to the Footlight: the Role of Savings and Retail Banks in Increasing the Level of Access to Financial Services docx
... remittances business the senders and receivers of remittances are mainly individuals and small businesses, the traditional target client group of savings banks By capturing and channelling more of the ... requirement of the banking system The microcredit schemes of savings banks Although savings banks are savings mobilisation specialists, it is misleading to think about them as savings-only institutions ... savings banks could make use of their front and back of ce systems for disbursing of loans and collecting loan repayments Another promising track for savings banks is to invest their savings deposits...
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A naturalist in Brazil; the record of a year''''s observation of her flora, her fauna, and her people pptx
... Black and sharp the ridges rise against the sky but behind them peaks and summits and the horizon is flushing red, and with ; clear contours the landscape has a look of ineffable youth, as though ... glow with heat, and the nights are sleepless; until at last, after some days of torment, a thunderstorm beats up is airless, behind the peak of Tijuca, and coolness falls with the rustling rain In ... avocat pears, oranges, other fruits Brown-skinned men hold up monkeys and parrots, also, I regret to say, boxes of the skins of humming-birds Over the see and and sea, in the dissolves into white...
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Immigrant labour market outcomes in Canada: The benefits of addressing wage and employ- ment gaps docx
... completeness This publication is for the information of investors and business persons and does not constitute an offer to sell or a solicitation to buy securities ®Registered trademark of Royal Bank of ... earnings in the previous year; as such, earnings in the 1981 Census refer to 1980, and so on Of course, there are problems with this calculation as a measure of immigrants’ potential earnings In ... less as they transition to the work patterns and business culture in Canada Because of these factors, our estimate of the immigrant earnings gap is potentially biased, although there are risks...
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DYING TO BE MEN: Psychosocial, Environmental, and Biobehavioral Directions in Promoting the Health of Men and Boys pptx
... examine masculinity and men s body image Previous qualitative research suggests that people assume muscular men are more masculine This assumption was tested quantitatively in two studies in this ... Sasse, 2000) A preoccupation with muscularity has also been found to be associated with psychological distress, impaired social functioning, and substance abuse, including abuse of anabolic steroids ... men in the United States I also examine how masculinity and health are constructed in relation to femininities and to institutional structures—such as the health care system and how social and institutional...
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Made in America (1992)
... was a great salesman, one of the most persuasive individuals I have ever met And I am sure his success as a trader and a businessman, his knowledge of finance and the law, and his philosophy had ... Whitaker and me around and introduced us to his sources He would say, 'These are guys from a little chain down in Arkansas, and they are good people.' We bought dresses and blouses and girls' and infants' ... hire some buyers and some supervisors who were supposed to know the business, and start opening up stores From about 1958 until around 1970, it was phenomenally successful Anybody who has ever...
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Made in America (1992)
... was a great salesman, one of the most persuasive individuals I have ever met And I am sure his success as a trader and a businessman, his knowledge of finance and the law, and his philosophy had ... Whitaker and me around and introduced us to his sources He would say, 'These are guys from a little chain down in Arkansas, and they are good people.' We bought dresses and blouses and girls' and infants' ... hire some buyers and some supervisors who were supposed to know the business, and start opening up stores From about 1958 until around 1970, it was phenomenally successful Anybody who has ever...
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báo cáo sinh học:" Task-shifting HIV counselling and testing services in Zambia: the role of lay counsellors" pot
... classroom component of the training includes instruction as well as role-plays and case studies to ensure that trainees understand the concepts and methods of HIV counselling and testing In the ... interviews conducted with lay counsellors themselves During interviews, some lay counsellors spoke of their influence in lessening stigma as well as representing community role models These understandings ... professional structures also appeared during these interviews Almost all the lay counsellors we interviewed were interested in future training and continuing in what was considered a professional...
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Research for a Future in Space: The Role of Life and Physical Sciences ppt
... process as an in situ resource In physics, fluid refers to any substance that continually responds to a shear stress; in addition to liquids, particles like dust and gasses can flow as well, as ... gravity But in space, vapor bubbles not rise, but grow in size This dries out surfaces, restricts flow passages, and renders such equipment useless Condensing systems face similar challenges New, ... about the effects of microgravity on muscle alterations and in developing countermeasures to microgravity-induced alterations in features such as muscle mass and function In turn, the ISS is a...
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david stockman great deformation the corruption of capitalism in america the
... compensation, underwriting standards, and much else But they could not extract cash or capital from any of these insurance subsidiaries without complying with state insurance commission rules designed ... was a glorified insurance industry mutual fund It had grown to giant size by acquisitions and investments, but it did not have automatic access to the assets sequestered in its far-flung subsidiaries ... balance sheets of a handful of its huge, global banking customers owing to the collapse of its bogus credit default insurance (CDS) would have caused a healthy purge of busted assets At the same...
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