Credit and independence

Xem 1-20 trên 47 kết quả Credit and independence
  • The Twin furniture series was specially designed for Pier A by furniture designers Rud Thygesen and Johnny Sørensen, and produced by Magnus Olesen A/S. The Twin chair is part of a range of furniture that won the Design Award from the Association of Danish Furniture Designers and Interior Decorators in 1995. The chair was custom-designed to be suitable for the elderly as well as the disabled and to require a minimum of maintenance. The clear blue colours form a fine contrast to the typically colour- less, simplistic architecture of the airport and its predominance of glass and aluminium....

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  • Previous work has explored or referenced instances of fund sponsor support including that of Baba et al. (2009), Kacperczyk and Schnabl (2012), McCabe (2010), and Moody’s (2010). However, this paper is unique in presenting a complete data set of direct support instances and related amounts formed through a detailed review of the financial statements of all prime MMMFs. We observe that some past work has evaluated support by reviewing funds that received SEC no-action letters related to affiliate transactions. ...

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  • In this section we describe a simulation study that was designed to assess the bias and mean- squared error of ˆ under different basis representations for f and the five approaches to selecting df that were described in Section 2. Our goal is to generate data from confounding scenarios that are comparable with situations found in real data and to evaluate the estimation procedures in each of these scenarios. The definition of the scenarios relies on the timescales at which con- founding occurs and the strength of the concurvity between the pollutant series and the seasonal trend.

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  • Greenplum’s Polymorphic Data Storage performs well when combined with Greenplum’s multi-level table partitioning. With Polymorphic Data Storage, customers can tune the storage types and compression settings of different partitions within the same table. For example, a single partitioned table could have older data stored as “column-oriented with deep/archival compression,” more recent data as “column-oriented with fast/light compression”, and the most recent data as “read/write optimized” to support fast updates and deletes.

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  • Unions give a significant wage advantage to women. Women in unions earned an average $6.29 per hour more than those who were not part of a union. 8 This difference reflects factors other than union membership alone; union members are more likely to be older and more experienced, work in public services, for large firms, and be highly trained. 9 Belonging to a union brings further advantages such as health benefits and paid leave. Notably the unionized for childcare workers (predominately female) earn $5.31 per hour more than non-unionized childcare providers. ...

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  • The National Institute of Standards and Technology (NIST) developed this guide in furtherance of its statutory responsibilities under the Federal Information Security Management Act (FISMA) of 2002, Public Law 107-347. NIST is responsible for developing standards and guidelines, including minimum requirements, for providing adequate information security for all federal agency operations and assets, but such standards and guidelines shall not apply to national security systems.

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  • Our supervisory framework was not equipped to handle a crisis of this magnitude. To be sure, most of the largest, most interconnected, and most highly leveraged financial firms in the country were subject to some form of supervision and regulation by a federal government agency. But those forms of supervision and regulation proved inadequate and inconsistent. First, capital and liquidity requirements were simply too low.

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  • Three-dimensional models can be made accurately enough by RP methods to evaluate the design process and eliminate interference fits or dimensioning errors before production tooling is ordered. If design flaws or omissions are discovered, changes can be made in the source CAD program and a replacement model can be produced quickly to verify that the corrections or improvements have been made. Finished models are useful in evaluations of the form, fit, and function of the product design and for organizing the necessary tooling, manufacturing, or even casting processes....

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  • d) What are the Provincial Policy Directions, Strategies and Mandates for Enabling all Children to Attain and Sustain Optimal Health and Developmental Potential? Attaining and sustaining optimal health and developmental potential for children is a shared mandate across provincial ministries. For example, the Ministry of Health Promotion (MHP) Healthy Ontarians, Healthy Ontario Strategic Framework document states, “Our fi rst priority will be our children and youth. Behaviours and attitudes developed in childhood last the rest of our lives.

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  • What are conditions like in primary schools? How many hours, if any, of English language learning do students receive before they enter secondary school? Is primary education free? What's the student-teacher ratio? Are schools in rural areas different from schools in towns? Are there textbooks? Who wrote them? When? Do parents pay for them? Or are they issued free of charge by the government? What percentage of the population completes primary school? What's the ratio of girls to boys? Is there a national primary leaving examination? What happens to those who don't get into s...

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  • We nd that these variables prove valuable in selecting funds with superior performance in Europe, which indicates their ability to locate skilled managers. Interestingly, we nd that some additional variables, such as growth in industrial production, in ation, and a proxy for stock market volatility, are also useful in identifying funds with superior future alphas.

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  • A focus on developing countries and transition economies. These are investment funds included in the stock-taking focus on investments in developing countries, particularly SSA and transition economies. Whenever the fund’s operations also include former transition economies (e.g. EU-member countries such as Romania and Poland), the respective fund has been included in the stock-taking, due to the particular interest in the EECA agricultural sector. These funds also tended to have a more private focus than many in SSA and serve as examples for other regions....

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  • In the usual case where a single test is performed on the alpha of one fund (or one portfolio of funds), luck is controlled by setting the significance level γ (or equivalently the Size of the test). The standard approach differs from this framework because it boils down to running a multiple hypothesis test instead of a single one. The null hypothesis H0 of no performance is tested for each of the M funds in the population. In a multiple testing framework, luck refers to the number (or the proportion) of lucky funds among the significant funds that are discovered.

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  • The passage of salt (NaCl) across a plasma membrane is of primary importance to most cells. The chloride ion (Cl–) usually crosses the plasma membrane because it is attracted by positively charged sodium ions (Na+). First sodium ions are pumped across a membrane, and then chloride ions simply diffuse through channels that allow their passage. As noted in Figure 4.2a, the genetic disorder cystic fibrosis results from a faulty chloride channel. Ordinarily, after chloride ions have passed though the membrane, sodium ions (Na+) and water follow.

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  • At the beginning of the guide we saw how the word “project”, which exists in most languages, has very different meanings in different contexts. It’s useful to spend time checking that there really is agreement on basic concepts and what they mean. It’s often worth doing a glossary. The choice of working languages is crucial – if there’s only one there’s a risk of (a) misunderstanding (b) the project being dominated by native speakers. Translation and interpreting are expensive and time consuming, though, so a compromise solution is usually required.

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  • Form DQA (Design Quality Audit Checklist) is used to perform, record, and certify the audit. A non-conformance with the quality process results in the documents being returned to the Originator to bring the package into compliance. If the audit finds all documents in conformance, the DQAM completes and signs Form DQA to document and certify that the QMP requirements have been followed. At the appropriate time, the DQAM also uses Form DQA to certify that the design package is approved for RFC (Refer to section 4.7 RFC Procedure).

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  • Some insurers have research units and can advise manufacturers and other organizations of theft trends and vulnerabilities of various vehicles to theft. The Coalition Against Insurance Fraud’s public awareness campaign includes airbag theft and works with legislators to address insurance fraud issues. The National Insurance Crime Bureau has brought together insurers and law enforcement agencies to facilitate identification, detection and prosecution of auto theft-related insurance fraud.

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  • “Whether it’s OEM or third party, the equipment itself should cost about the same,” says Tucker. “It’s the service contract that tends to be different and cost a little more through the OEM. But for good reason: a third-party vendor might be a one- or two-person operation, which means if your equipment goes down there may be a delay in service.” Additional factors to consider if dealing with a third-party vendor are the vendor’s inventory supply and how it handles a sale.

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  • This paper addresses some of the microeconomic implications of this policy regime change, focusing on the flows of bank credit to the enterprise sector and analysing independently the determinants of corporate credit from the side of lenders and borrowers. To this effect we use results from the recent literature to formulate and specify equations reflecting the motivation behind lending and borrowing decisions. These equations are estimated econometrically using firm level data for Bulgarian firms for the period 1995-1999.

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  • Adding oxygenates to gasoline has the effect of making the engine run leaner: since some oxygen is already present in the fuel molecules, the total amount of oxygen (from the air and from the oxygenates) relative to carbon and hydrogen in the fuel is greater. Running the engine leaner reduces the emissions of CO substantially; it also reduces the emissions of unburned hydrocarbons to some extent. Since the largest source of CO emissions is the automobile exhaust, use of oxygenated fuels substantially reduces the emissions of this pollutant.

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