refers to the ability of the event notiﬁcation service to provide a powerful data
model with which to capture information about events, to express ﬁlters and
patterns on notiﬁcations of interest, and to use that data model as the basis
for optimizing notiﬁcation delivery.
During the second half of the 1990s, mortgage underwriting increasingly incorporated
credit scores and other automated evaluations of credit histories. As of 1999,
approximately 60 to 70 percent of all mortgages were underwritten using an automated
evaluation of credit, and the share was rising2
The automated quantification of the information in credit reports has not simply been
used to decide whether or not to extend credit, but has also been used to set prices and
terms for mortgages and other consumer credit.
Another important change can be traced to the 1960s and 1970s, when some producers and dealers began
testing the possibility of selling rough diamonds through alternative channels instead of the traditional
practice of selling through the unified sales channel of De Beers’ CSO (see.Figure.8).
In the 1990s major producers began breaking away from the CSO (later transformed into the Diamond
Trading Company, or DTC) to start selling their diamonds independently on the global market.
The data allow us to focus on eight basic questions about the microfinance “industry”: Who are
the lenders? How widespread is profitability? Are loans in fact repaid at the high rates
advertised? Who are the customers? Why are interest rates so high? Are profits high enough to
attract profit-maximizing investors? How important are subsidies? How robust are the financial
data? The answers then take us back to reconsider the initial questions of subsidy, profit, and
social impact in microfinance.
Who are the lenders?
The clash between Grameen Bank and...
The FASB is the independent standard-setting body in the United
States. The FASB was established in 1973 with the goal of ensuring
greater objectivity and independence in the standard-setting process.
The FASB is organized as a non-profit, private sector organization. The
FASB is overseen by the Financial Accounting Foundation (FAF), which
selects the members of the FASB and funds its operations through as-
sessments on public companies.
if you complete the spring-semester Entrepreneurship program, you
are eligible for the FSBE summer internship at a Bay area business.
to qualify, you must meet the following requirements:
• Have an overall grade point average (GPA) of 2.5 or higher in
your FSBE coursework, and maintain a grade of C or higher in
all FSBE courses.
• Be a student in good standing throughout the duration of
an internship coordinator assists you throughout the placement
process as you attend an internship orientation, create a résumé and
develop your interviewing skills.
There are only a couple of educational institutions including universities that
look into media education, and offer projects and conferences. According to Kumar,
media education should lead to democratic communication. He defines media
education as a teaching method that uses formal, non-formal, and informal approaches
to impart a critical understanding of various media in order to lead to greater
responsibility, greater participation in the production of media as well as to a greater
interest in the sales and reception of media.
So then you may think that the population-poverty-resource nexus would be a focus of
attention among development economists. If so, you would be wrong. Even in studies on the
semi-arid regions of sub-Saharan Africa and the Indian sub-continent (poverty-ridden land
masses, inhabited by some 2 billion people and experiencing the largest additions ever known
to their population; Tables 1-2), the nexus is largely absent. For example,Birdsall (1988),Kelley
(1988) and Schultz (1988) are authoritative surveys by economic demographers on population
growth in poor countries.
Baumgarten expresses that aesthetics (beauty) is a harmony of expression, structure and content.
Probably a statement which is identical to what an artist expresses when saying that a work must have a
clear leading feature: a main idea (theme), a structure (structural principles) and a content (which
provide a work’s richness and evidences power and life) [5, p.74]. Our methodical approach to
formgiving rooted in aesthetics is based on this leading feature, although the contents of the three
components are only partially resolved in relation to the design of artefacts.
Report by the WHO health update (WHO 2004) IN Dafur region of Sudan
showed that the main health cancers facing displaced people in Dafur and
their host communities include: Malnutrition, acute respiratory infections,
diarrhoeal disease, malaria, hepatitis E and conflictreated tarauma. The
possibility of outbreaks of communicable diseases is particularly elevated,
low standards of environmental hygiene, declining nutritional states, and
low vaccination coverage.
A more likely explanation is that target rate changes have been more widely anticipated
in recent years, and this squares with the Roley and Sellon (1995) observation that interest
rates rose somewhat in advance of target rate increases. Bond prices set in forward-looking
markets should respond only to the surprise element of monetary policy actions, and not
to anticipated movements in the funds rate.
The factors that underlie the correlations between
sociality, the formation of strong social bonds, and fitness
outcomes are not fully understood, and there is some
uncertainty about the direction of the causal links between
these behaviors and fitness outcomes. However, a growing
body of evidence suggests that sociality affects physiology.
When rats (Rattus norvegicus) are housed in isolation, they
become hypervigilant and fearful of new stimuli (Cavigelli
and McClintock 2003; Cavigelli et al. 2006).
Exact evidence about incidence of sleep disorders in patients with epilepsy is not available,
but it is supposed, that the amount is higher in patients with epilepsy than in general
population. For example patients with partial epilepsy have twice higher appearence of
sleep disorders as in healthy group (39% vs 18%) (Bazil, 2003). According to this study
higher presence of sleep disorders did not correlate with antiepileptic therapy.
According to Foldvary-Schaefer (2002) patients with epilepsy have problems with
initialization of sleep and have worse quality of sleep.
The Merriam-Webster Dictionary defines telemarketing
as the marketing of goods or services by telephone. It’s a word
that was added to the dictionary back in 1980, when it became
obvious that the telephone was changing the way companies
In general, people are busy. They don’t want to be both-
ered by others trying to sell them products or services that
aren’t needed. A successful telemarketer can quickly capture
the attention of the person he or she is calling and prove to that
person that what you’re offering could be beneficial.
In this review, will be summarize the principle of these new methodologies and the impact
of omics-techniques, mainly genomic-transcriptomics (analysis of single nucleotide
polymorphisms or gene-expression) and proteomic (identification and quantification of
proteins), in the knowledge of different aspects of allergy diseases (diagnosis, screening,
monitoring of treatment, protective or risk biomarkers and drug development) and the
advance to define the personalized and molecular medicine in this complex kind of diseases....
In 1989, Hodge et al. published two papers in the Journal of Urology (Hodge et al., 1989a
and 1989b). The first paper described directed transrectal prostate biopsies of palpable
abnormalities, 90% of which had corresponding hypoechoic lesions on ultrasound (Hodge
1989a). Additional biopsies were also taken of isoechoic areas of the peripheral and
central zones. These biopsies were not systematic and they were found to be positive in
66% of cases.
The second article was a landmark paper which marked the start of the modern era of
prostate needle biopsy (Hodge et al., 1989b).
If I may, I would like to finish with a request. This request is
made on behalf of the members of our Society who do not
speak English. I would like to ask the Society members who
speak English as their first language to reduce the complexity
of their conversation to a level that is easier to understand for
those who do not speak English. Also, I ask members who are
not native speakers of English to do their best to improve their
English skills. In fact, more than 80% of our members are non-
native speakers of English, yet it...
These criteria are
classified into its safety profile, performance within the GI tract and technological
aspects of its development. The criteria are further dependent on the specific purpose
of the strain and on the location for the expression of the specific property. With
regards to safety, the probiotic strain must be of human origin, isolated from the
gastrointestinal tract (GIT) of healthy individuals.
In general, pregnant women’s access to HIV testing is high due to the
implementation in 2001 of a national policy mandating that all pregnant
women be offered an HIV test at the first level of health care. However,
one result of Argentina’s federal system is that there are great disparities
around the country in terms of health care availability and quality,
including in regard to prevention of vertical transmission coverage
and services. In some cities fewer than 70 percent of pregnant women
take an HIV test prior to going into labour2
Given the unprecedented—by recent standards—financial crisis
that has devastated the world financial system and extended its
reach into a number of other sectors, political risk insurance has
become even more relevant. At the same time, questions remain as
to whether PRI really covers those risks that investors need covered