Apart and reassemble

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  • » “Tone at the top” is critical to promoting a risk-conscious culture. Senior management’s support, reinforcement, and continuing implementation of a robust risk management program are essential for setting a risk-conscious tone in an organization. Fund boards reinforce the tone through their focus and engagement on the topic of risk management. » Risk management is a process, not a project. Risk management is not a one-time or periodic assessment of risks; rather, it should be an ongoing part of business operations.

    pdf48p khanhchilam 29-03-2013 23 6   Download

  • Thai mutual funds industry has grown drastically with compound Annual Growth Rate (CAGR) of 16.97% during 2006 to 2010. Fixed income funds play an important role determining industry growth as proportion of asset under management of fixed income funds to total asset under management was approximately 72% in 2010. Among fixed income fund product, deposit substitute product or MMF takes the largest proportion of total asset under management of fixed income funds. Equity mutual fund growth was driven by large flow of investment from LTF and RMF due to tax incentive.

    pdf16p hongphuocidol 04-04-2013 28 6   Download

  • The crucial assumption that allows as to solve the two-good model relatively simply is the ability of the shoppers to combine purchases from two stores without incurring additional cost. This assumption can be justi ed for internet shopping or the cases when as Stahl, II (1989) puts it \Casual empiricism suggests that there is a non-negligible measure of consumers who seem to derive enjoyment from shopping itself".

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  • A close look at the different studies which deal with errors, the critics of error analysis have suggested, will clarify the discrepancy that exists among the findings reached by different researchers. What might be an interference error in one study is a developmental one in another. The conclusion that might be reached is that error analysis, to some extent, is impressionistic, and that is really a serious problem error analysis suffers from.

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  • The emphasis on sensuous elements and on Gestalten founded thereon makes it clear that Witasek's position is a formalist one. The `meanings' of works of art will have no role to play within his theory. He has not even left room in his classification of aesthetic objects for what we might call narrative entities: states of affairs, events, actions, etc., making up what we normally think of as plot. There are of course many works of art whose adequate appreciation requires that we go beyond the level of light, colour, shadow and sound, and...

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  • In the business sector, real investment in equipment and software rose at an annual rate of more than 20 percent over the first half of the year. Some of these gains no doubt reflected spending that had been deferred during the crisis, including investments to replace or update existing equipment. Consequently, investment in equipment and software will almost certainly increase more slowly over the remainder of this year, though it should continue to advance at a solid pace. In contrast, outside of a few areas such as drilling and mining, business investment in structures has...

    pdf71p trinhcaidat 22-04-2013 22 3   Download

  • Birch (1979) is generally considered to have provided the igniting spark to the area of small business research (e.g., Acs et al., 2008; Landström, 2005). He did so by empirically demonstrating that small firms generated most new jobs in the U.S. economy, which went against the prevailing view at that time. The interest in HGFs originates from this research, as further investigations showed that most small firms did not grow at all, and that job growth emanates from a small number of fast growing firms.

    pdf0p trinhcaidat 22-04-2013 24 3   Download

  • The frame is at the heart of ensuring comprehension because it provides basic information about financial sharing practices as a context for consumers to understand the details of their particular bank’s sharing practices. The key frame on page 1 provides a context for the consumer and gives key details. The secondary frame on page 2 also includes a series of frequently asked questions, more required information, and more detailed definitions of terms on page 1. The frame is necessary for understanding the disclosure.

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  • Those travelling by train were found to experience the lowest air pollution concentrations, as the train travelled on its own dedicated track, well removed from any road traffic. Apart from the train’s own engine, a possible additional source of carbon monoxide on board trains may have been from the exhaled air of smokers having smoked a cigarette immediately prior to boarding the train. The same applies for buses. Apart from the motorcycle, in general, the average CO exposures were found to be highest for car and bus users.

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  • Changes to the UCITS directive introduced in 2001 extended the scope of eligible assets for UCITS to new classes of assets. 6 As a result, UCITS managers now invest in a much greater number of countries and in more complex instruments than in 1985. As more investment opportunities arise in different third country jurisdictions, the necessity to appoint sub- custodians in these jurisdictions increases. Despite the enlargement of eligible investment instruments, the UCITS Directive does not define the conditions applicable in case a depositary delegates custody to a sub-custodian.

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  • In any discussion of a project budget, top management usually begins by asking, “What should this project cost, and is that reasonable?” If the project is optional, the decision to proceed should be based on an estimate of expenses versus future profits. For example, Will the effort reduce operating expenses? Is the project really necessary? The only way to answer these questions is to identify the true cost of the project. Your estimate must include labor expense—the cost of paying members of your project team.

    pdf95p tainhacmienphi 25-02-2013 21 6   Download

  • Reducing consumption is the key to bringing down our Ecological Footprint. There is a link between cities that have the biggest disposable incomes and the cities with the biggest footprints per person. The link is not an automatic one: some well-off cities have a footprint that is smaller than might be expected. Salisbury has a one of the lowest footprints in the UK but high house prices and wages. Where...

    pdf39p doidieumuonnoi 11-06-2013 20 6   Download

  • Oracle Exadata Database Machine provides extreme performance for both data warehousing and OLTP applications, making it the ideal platform for consolidating on private clouds. It is a complete package of servers, storage, networking, and software that is massively scalable, secure, and redundant. With Oracle Exadata, customers can reduce IT costs through consolidation, store up to ten times more data, improve performance of all applications, deliver a faster time-to- market by eliminating systems integration trial and error, and make better business decisions in real time.

    pdf6p yasuyidol 02-04-2013 28 5   Download

  • What do we know about the demographics of this diverse population? In 1990, Buchanan estimated that there were approximately 30 million peo- ple in the United States whose native language was not English. In 1998, Cheng said that there were 8 million immigrants from Southeast Asia alone. The 2000 United States census (U.S. Bureau of the Census, 2003) reports a total of more than 31 million foreign-born individuals. More than half (51.7%) are from Latin America and more than one fourth (26.4%) are from Asia. The rest were born in Europe (15.8%), Africa (2.8%), Oceania (0.

    pdf34p commentcmnr 03-06-2013 28 5   Download

  • According to the survey, only 22% of people are really satisfied with their project managers, while 30% of the interviewees are not satisfied. There may be several reasons for this level of dissatisfaction. As mentioned before, a good leader is supposed to be respected by his or her followers. However, the reality is that almost two thirds of the project managers are not considered successful leaders. While they may be able to complete a project, they may not inspire faith or confidence in their abilities from their subordinates. This may stem from a lack of leadership skills.

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  • State criminal codes and law enforcement approaches State criminal codes address auto theft. About half of states distinguish motor vehicle theft as a felony property crime, while a few designate it as grand theft or larceny. In other states, auto theft can be charged under more general theft criminal statutes. Many states cover unauthorized use of a motor vehicle in criminal law, often with misdemeanor or lower felony penalties.

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  • Script injection attacks typically affect non-malicious users and succeed without compromising Web applica- tion servers or networks. For example, in 2005, the self- propagating Samy worm on MySpace used script injec- tion to infect over a million users [24]. As a MySpace user viewed the MySpace page of another, infected user, the worm script would execute and send a page update request to the server, causing the worm script to be in- cluded also on the viewing user’s page.

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  • Under the ADA, service animals must be harnessed, leashed, or tethered, unless these devices interfere with the service animal’s work or the individual’s disability prevents him from using these devices. Individuals who cannot use such devices must maintain control of the animal through voice, signal, or other effective controls. Businesses may exclude service animals only if 1) the dog is out of control and the handler cannot or does not regain control; or 2) the dog is not housebroken.

    pdf8p mebachano 01-02-2013 26 3   Download

  • In most agricultural settings, commercial fertilizer provides only one source of N used for crop production. Animal manure, biological N fixation, mineralization from soil organic N, and deposition of N from the atmosphere can also contribute to soil fertility and surface water contamination. Because there are multiple sources and sinks of N in the soil, the relationship between N fertilizer application rate and nitrogen loss in drainage water is not always consistent across locations and across studies.

    pdf28p tainhacmienphi 19-02-2013 27 3   Download

  • Every time we brake, corner, or accelerate, the contact patches change. When we accelerate, the contact patches grow in the rear and lessen in the front because of the transfer of the vehicle weight to the rear of the car. Under braking, the front tire patches get larger while the rears decrease in size, again because of weight transfer. When cornering, the outside patches grow while the inside patches diminish. That’s the key to car control. Jamming on the brakes, throwing the car into a turn, even accelerating too aggressively...

    pdf0p nhacnenzingme 23-03-2013 21 3   Download

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