Most people can remember where they were when news broke of a worldshattering
event, e.g. the assassination of President Kennedy or the death of
Princess Diana. As testament to a ‘sad life’ as a VAT consultant, I can remember
precisely where I was on 21 June 1988 (in my car and on my way to address a
meeting of the West Wycombe Women’s Institute) when the European Court
of Justice (ECJ) released its judgement against the UK’s zero rated treatment
of commercial property transactions.
This book is a sequel to Modern Banking in Theory and Practice published by John Wiley &
Sons in 1996. It is a sequel rather than a second edition, because it does substantially more
than merely update the 1996 text. In fact, this book has taken much longer to write than
the 1996 book! In the eight years sinceModern Banking in Theory and Practice was published,
many aspects of banking have changed considerably, though the key characteristics that
distinguish banks from other ﬁnancial institutions have not.
In any science there are two basic requirements — classification and nomenclature (names): • Classification: drugs cannot be classified and named according to a single rational system because the requirements of chemists, pharmacologists, and doctors differ. • Nomenclature: nor is it practicable always to present each drug under a single name because the formulations in which they are presented as prescribable medicines may vary widely and commercial considerations are too often paramount.
The law which reformed the savings banks in 19833
finally allowed them to carry out all banking busi-
ness for private individuals, but the corporate
client business continued to be closed to them.
Furthermore, the law annulled the legal form, in
force since 1835 for the savings banks, of charitable
bodies (in private law); they now acquired the legal
form, hitherto unknown in France, of non profit-
making financial institutions.
The action of the wind on dry loose soil surfaces leads to particles blowing into the air. Factors favouring
the suspension of soil dust particles into the atmosphere are an exposed dry surface of fine soil and a high
wind speed. In towns and cities, the areas of exposed soil, particularly in town centres, are rather small.
However, there are considerable quantities of dusts on road and pavement surfaces which arise from
ingress of soil on vehicle tyres and from the atmosphere, the erosion of the road surface itself and
degradation of parts of the vehicle, especially the tyres.
When evaluating the pruchase power of the population, additional variables than
average income should be considered. In the case of Mexico, for instance, the
purchasing power of many younger Mexicans is higher than income statistics
might suggest at first sight: Unlike their Central European or North American
counterparts, it is not uncommon for young Mexicans to stay in their parents’
home up to (or even beyond) the time when they get married. They thus save
considerable amounts of money on rent which then is often spent on consumer
In the application of industrial servo drives to machines it is important that the drive be large enough to meet all the load torque requirements and be stable. It is necessary to make sure that the servo drive torque rating is large enough to meet the load thrust and acceleration requirements plus the machine friction losses; an organized method to accomplish this is referred to as ‘‘sizing the drive.’’ There are many drive-sizing software programs available from commercial servo drive suppliers.
Gold has always fascinated the mankind’s imagination and influenced their urge to possess the same. Gold occupies a pivotal role in the social and economic life of poor and rich alike. In Vietnam, besides the economic and strong social considerations, individuals are highly sentimental about the gold jewellery in their possession, as the gold ornaments are passed on from one generation to another. Acquisition of gold is considered auspicious and necessary for making family ornaments to get a sense of wellbeing in our country.
Network connections should therefore be protected, at a level based on the
risk. The assumption must be that the connecting parties are to a certain degree
hostile and have to be strictly constrained to the access for which the connection
was agreed. The connecting parties will, after all, have their own security
policies and risk management philosophies, and these may vary considerably.
Each security management domain will need to apply stringent logical access
controls, and should strongly consider using firewalls and related technologies to
defend their 'perimeter'....
Peter Watts is a Canadian science fiction author and marine-mammal
biologist. His first novel Starfish (2000) introduced Lenie Clarke, a deepocean
power-station worker physically altered for underwater living and
the main character in the sequels: Maelstrom (2001), Behemoth: ß-Max
(2004) and Behemoth: Seppuku (2005). The last two volumes comprise
one novel, published split into for commercial considerations. Starfish,
Maelstrom and Behemoth comprise a trilogy usually referred to as
"Rifters" after the modified humans designed to work in deep-ocean environments....
It is my privilege to contribute the foreword for this unique volume entitled: “Plant
Tissue Culture Engineering,” edited by S. Dutta Gupta and Y. Ibaraki. While there have
been a number of volumes published regarding the basic methods and applications of
plant tissue and cell culture technologies, and even considerable attention provided to
bioreactor design, relatively little attention has been afforded to the engineering
principles that have emerged as critical contributions to the commercial applications of
Basic design decisions can have a considerable effect on the overall buildability and
cost of a building. The right choices can help to reduce conflict in the design and
construction process, and to reduce the likelihood of expensive remedial work.
Focusing on modern commercial and industrial buildings, this publication provides
advice to help the designer make the right choices.
Before commencing a design, it is essential that due attention is paid to planning.
The first part of the publication therefore deals with planning and management
Disaster recovery back-up tapes or other media should be kept solely as a security precaution and are not intended to serve as a records retention tool. In the case of disaster, the back-up would be used to restore lost records. Agency records that have not met their retention should not be disposed of on the basis of the existence of a back-up.
If, for any reason (for instance, a disaster erases e-mails on an agency server), the only existing copy of an item that has not met its retention period is on a back-up tape or other medium, the agency must...
These handling methods are implemented individually, or in combination, by commercially available material-handling equipment types. 38.5 MATERIAL-HANDLING EQUIPMENT CONSIDERATIONS AND EXAMPLES 3 . . Developing the Plan 851 Once the material-handling problem has been identified and the relevant data have been collected and analyzed, the next step in the design process is to develop a plan for solving the problem. This usually involves the design and/or selection of appropriate types, sizes, and capacities of materialhandling equipment.
In recent years, it was realized that the Multiple Input Multiple Output (MIMO) communication
systems seems to be inevitable in accelerated evolution of high data rates
applications. The MIMO systems, have received considerable att ention of researchers
and commercial companies due to their potential to dramatically increase the spectral
effi ciency and simultaneously sending individual information to the corresponding
users in wireless systems.
Among performance audits, the number and complexity of the planning issues can be even
greater. The methodology for assessing the operating efficiency of an entity will be quite
different from that for attempting to measure the effectiveness of a programme in achieving
its stated objectives. These two kinds of audits involve collecting and analysing different
kinds of data from different sources.
While many HIV-infected individuals do not wish to have children, others desire children despite their
infected status. The desire and intent to have children among HIV-infected individuals may increase
because of improved quality of life and survival following commencement of anti-retroviral treatment. In
developing countries such as South Africa, where the largest number of people living with HIV/AIDS
worldwide reside, specific government reproductive health policy and service provision for HIV-infected
individuals is underdeveloped.
Midwives’ unique contribution to public health is that they work
with women and their partners and families throughout pregnancy,
birth and the postnatal period to provide safe, holistic care. For
optimum effect, midwifery needs to be ﬁrmly rooted in the
community where women and their partners live their lives.
In our experiments, 42 MICAz nodes were used.
The experimentswere conductedwith multiple randomly
generated layouts under two different scenarios: (i) an
open parking lot, and (ii) an indoor ofﬁce. In each sce-
nario, two types of experiments were conducted: Fixed
Single Sender and Round Robin Sender. In the Fixed
Single Sender experiment, the sender was placed in the
center of the topology, while the other 41 nodes were
randomly deployed as receivers. The sender broadcasted
a packet in every 200ms. Each packet was identiﬁed by
a sequence number.