When we think of women in developing countries, our minds
immediately flash to what they need, what we can give to
them, how we can help them. But what if we flipped this notion
upside down? What if those of us who are well educated and well
fed considered what we could learn from them—how they could
Those who find the greatest success in business and the most
satisfaction in life are often eternal students. This is especially true
of women. We’re always studying what others are doing and how
they’re doing it....
The Company seeks to provide a comprehensive range of sub-funds with the purpose of spreading investment risk and satisfying the
requirements of investors seeking income, capital conservation and growth.
In carrying out the investment objectives of the Company, the Board of Directors at all times seeks to maintain an appropriate level of
liquidity in the assets of the sub-funds so that redemptions of Shares under normal circumstances may be made without undue delay
upon request by shareholders.
Ultimately the aim would be for adequate long term funding being available to refugee and
asylum seekers self-help, community and voluntary sector organisations in order for them to
deliver local services to local communities. Treatment and service options would therefore
be more easily controlled and chosen in accordance with the context of refugee and asylum
seekers lives and therefore the actual needs and choices of the individual.
Being capable of publishing in peer-reviewed journals is commonly seen as an indicator of
proper scientific research. It is the duty of a researcher to publish his results for the
scientific community. Research can be seen as a product that must be sold to the target
audience in the form of an article. In other words, research results do not exist before they
are successfully published. The key people for getting one’s article accepted for
publication are the editor-in-chief, editor, and reviewers.
Bolted body panels have become increasingly common over recent years, with many vehicles now using bolted
front wings, front panel assemblies, bonnet slam panels and bumper bar supports. Obviously accident damage
on such cars is much easier to repair, allowing simpler removal/refit of panels, and also easier preparation and
painting in some cases. Panels can be prepared, primed and painted "off-the-car" if a good colour match is
A close visual inspection usually shows exactly where a particular panel is bolted.
While the potential of social media for enhancing learning opportunities is substantial, it
should be noted that in 2009, according to Eurostat data, 30%Europeans aged 16 to 74 had
still never used the Internet. While this figure dropped from 42% in 2006 by 12 percentage
points in only three years, in a number of European countries more than half of the population
has never used the Internet.
Furthermore, the following technical, pedagogical and organisational bottlenecks have been
identified, which may hinder the take up and mainstreaming of Learning 2.
The Clean Air Act of 1970 and its amendments (in 1977 and 1990) are crucial milestones in
air pollution control history. They are a political response to the increasing concern of
society about the environmental impact of fossil fuel utilization. Ironically, it is precisely
this fossil fuel utilization that has provided society – and especially the industrialized
nations – with the technical and economic means to achieve air pollution control.
The former NOP director
Audit Report 01601-03-Hy 3
7 stated that the decision not to require regular residue testing was based on officials’ concerns about the cost of testing, and their position that the NOP regulations are process-based rather than a zero tolerance standard. The former director also stated that certifying agents did not want to pay for the cost of residue testing and that residue testing raises complex issues that must be addressed on an operation-by-operation basis.
I am indebted to the staff of the Cornel Law Reiew for its invaluable assistance in
bringing this piece to publication. Particular thanks are owed to Leo R. Tsao for indispen-
sable advice and encouragement during the initial drafts; to Nathan C. Thomas, StevenJ.
Scott, and Samson M. Frankel for editorial oversight; and to Christine M. O'Reilly and
Susan G. Pado for tireless administrative and clerical support on this...
Information disposition and sanitization decisions occur throughout the system life cycle.
Critical factors affecting information disposition and media sanitization are decided at the start
of a system’s development. The initial system requirements should include hardware and
software specifications as well as interconnections and data flow documents that will assist the
system owner in identifying the types of media used in the system.
Wittman (1941) developed a prognosis scale for predicting outcome of electroshock
therapy in schizophrenia, which consisted of 30 variables rated from social history and
psychiatric examination. The predictors ranged from semi-objective matters (such as
duration of psychosis) to highly interpretive judgments (such as anal-erotic vs. oral-erotic
character). None of the predictor variables was psychometric.
What is marketing?
Marketing is an organizational function and a set of processes for creating,
communicating, and delivering value to customers and for managing customer
relationships in ways that benefit the organization and its stakeholders. The process
through which VALUE is exchanged.
Thus, the return gap captures the funds’ unobserved actions, which include
hidden beneﬁts and hidden costs.An important hidden beneﬁt results from
a fund’s interim trades, as discussed in Ferson and Khang (2002). Even
though we can observe fund holdings only at speciﬁc points in time, funds
may trade actively between these disclosure dates. If these interim trades
create value, then the fund return RF will increase, while the return of
the disclosed holdings RH will remain unaffected.
This new report provides updated and additional information about the European microfinance
market and current developments in the microfinance area. Moreover, it gives insights into the
intervention logic, rationale for EU support, and mandate development considerations of the EIF
in this field.
More precisely, following a short introduction, we provide in the second section (general market
overview) updated information for selected aspects of microfinance in Europe.
There are several actors involved in the development
of marketing communications and their subsequent
dissemination to the target audience. The key relevant
actors are illustrated in Figure 3. Food manufacturers and
food retailers (and their respective trade associations
and representative bodies) range from large global food
and non-alcoholic beverage producers to small local
vendors and kiosks, including supermarkets and quick-
service restaurant chains.
Decarbonising the world‟s energy system to avoid locking-in polluting technologies and unacceptably high
emission levels will require doubling existing investment levels to around USD 2 trillion a year or 2% of
GDP. Governments understand that large sums of capital will be required, and many are also realising the
need for further recourse to private capital as public finances have become strained in many developed
countries. Simultaneously, banking sector provision of long-term finance has become tighter due
deleveraging and new financial regulations.
This is an arrangement more commonly adopted for complex building construc-
tions rather than for civil engineering works. Under it the promoter appoints
one contractor to manage all the construction inputs by letting contracts him-
self. These ‘works contracts’ are effectively sub-contracts to the management
contractor. Many may be labour-only contracts, while others are for ‘supply and
erect’. The promoter may retain rights to approve or disapprove appointment of
a works contractor.
Successful Project Management in Open and Distance Learning is a harvest of
lived experience in project management. Its primary objective is to sensitise those
whose professional commitment is the purveyance of open and distance learning
products and services. On the platform of knowledge and how such knowledge is
globalised, DE has emerged with vigour to defy the erstwhile stigma that it plays
second fiddle to what has been termed conventional education. Evidence of
successes in DE abound, but for that to happen it is not a question of approaching it
in a hit or miss fashion.
With digital evidence, technology is always needed to process the digital data and therefore
the only diﬀerence between a forensic and a non-forensic investigation of digital data is whether
or not the evidence can be used in a court of law. A forensic investigation is a process that uses
science and technology to develop and test theories, which can be entered into a court of law, to
answer questions about events that occurred.
Over the past two years, the financial system has been threatened by the failure or near
failure of some of the largest and most interconnected financial firms. Our current
system already has strong procedures and expertise for handling the failure of banks, but
when a bank holding company or other nonbank financial firm is in severe distress, there
are currently only two options: obtain outside capital or file for bankruptcy. During most
economic climates, these are suitable options that will not impact greater financial