The Key Vocabulary and Function Words and Phrases sections both have two photos on each right-hand
page. Each photo represents one vocabulary word. The teacher script is located on the back of each
card directly behind its accompanying photo. The Basic Words section shows six photos per page,
followed by a teacher routine. The ELD Content Words section mimics this format with 4 to 6 words per
Excel is a powerful program with more than 300 built-in functions that can be used to perform an almost infinite number of calculations. This friendly book shows you how to use the 150 most valuable ones in real-world situations: to compare the cost of buying vs. leasing a car, calculate classroom grades, or evaluate investment performance, for example. Another 85 specialized functions are also described. Detailed, step-by-step instructions help you understand how functions work within formulas and how you can use them to solve everyday problems....
The most important function of lubricants is the reduction of friction and wear and
in some cases, the relative movement of two bearing surfaces is only possible if a
lubricant is present. In times when saving energy and resources and cutting emission
have become central environmental matters, lubricants are increasingly attracting
public awareness. Scientific research has shown that 0.4% of gross domestic
product could be saved in terms of energy in Western industrialized countries if
current tribological knowledge, i.e.
Magnetic resonance spectroscopy (MRS), unlike conventional magnetic resonance
imaging (MRI), provides information on the brain’s chemical environment (rather than
neuroanatomical structure) and the data are most commonly presented as line spectra.
This capacity for determining brain metabolite concentrations provides the basis for
clinical investigation of, and differentiation between, neurological and neurosurgical
Query processing takes place on a database front-end while signal-processing
functions are executed on the sensor nodes involved in the query. The query
execution engine on the database front-end includes a mechanism for interacting with
remote sensors. On each sensor a lightweight query execution engine is responsible
for executing signal processing functions and sending data back to the front-end.
In COUGAR, we assume that there...
Stability is a basic concern in both design and analysis of load-carrying systems and
constitutes a major topic in the field of engineering science and mechanics. Since
structural instability may lead to catastrophic failure of engineering structures,
stability requirements must be satisfied besides requirements related to material
failure. Knowledge on stability is of great importance in the areas of Civil Engineering,
Mechanical Engineering and Aerospace Engineering; and all these disciplines have
their own literature related to the subject....
In Canada, a significant portion of an insurer’s capital requirement (especially for a life
insurer) arises from its exposure to credit risk. This component of the overall insurer capital
requirement is determined using asset default factors. For rated short term securities, bonds,
loans and private placements, these factors are based on the rating agency grade.
Historical data suggests that bank loans offer low correlations with other fixed income asset
classes, but that as diversifiers they are not as strong as the Barclays Capital U.S.
Aggregate Bond Index relative to equity-linked asset classes (see Exhibit 2a). Furthermore,
the return and standard deviation figures for bank loans move more closely with those for
high-yield bonds. These results make sense: bank loans are below-investment-grade
instruments, and Barclays Capital U.S. Aggregate Bond Index constituents are investment-
he product of the risk-neutral default intensity and the loss rate
equals the instantaneous credit spread. Like Duffee (1999) and Elton et al. (2001), we assume
a constant loss rate and allow the default intensity to vary stochastically over time. We model
each firm’s default intensity as a function of a low number of latent common factors and a latent
firm-specific factor. This extends the analysis of Duffee (1999), who estimates a separate model
for each firm. As in Duffee (1999), all factors follow square-root diffusion processes.
The market for high yield or speculative-grade bonds1
has grown from $30 billion of outstanding bonds in 1980
to nearly $250 billion today. Over this period, the market
has evolved from a collection of “fallen angels”—bonds
that have lost their investment-grade rating—into an
established capital market for raising funds.
Although the high yield market is now mature, its
behavior during business cycle downturns is not well
The purpose of the Test of English as a Foreign
Language (TOEFL®) is to evaluate the English
proficiency of people whose native language is not
English. The test was initially developed to measure
the English proficiency of international students
wishing to study at colleges and universities in the
United States and Canada, and this continues to be
its primary function. However, a number of academic
institutions in other countries, as well as certain
independent organizations, agencies, and foreign
governments, have also found the test scores useful.
The Essay Activator has been created to help you improve your written English. By
varying the range of vocabulary and expressions that you use, your essays will become
richer and your grades will improve.
You can see from the menu on the left-hand side of your screen that there are 28 Essay
In the following calculation procedures, the design of steel members is executed in accordance with
the Specification for the Design, Fabrication and Erection of Structural Steel for Buildings of the
American Institute of Steel Construction. This specification is presented in the AISC Manual of Steel
Most allowable stresses are functions of the yield-point stress, denoted as Fy in the Manual. The
appendix of the Specification presents the allowable stresses associated with each grade of structural
steel together with tables intended to expedite the design.
Combined methods have led to further refinements
with, for example, high visuospatial resolution afforded by MRI combined with
metabolic information from the lesion site (measured with 18F-fluorodeoxyglucose
positron emission tomography; FDG-PET) to indicate location and malignancy of
gliomas, which in turn informs radiosurgical targeting. Kapsalaki et al. (Chapter 7)
consider MRS spectroscopic profiles for differentiation among ring enhancing lesions
including high grade gliomas, abscesses and post-radiation necrosis.
"Marketing" is defined as the aggregate of functions involved in transferring title and in moving
goods from producer to consumer. Agricultural marketing2
includes such processes as
assembling the raw commodities, grading, packaging, transportation, preparation for use,
storage, shifting and sharing risks, change in ownership, pricing and exchange, wholesaling and
One of the first steps in agricultural marketing is assembling the raw commodities.
Although FHLBanks can use published securities ratings to help make investment decisions,
they should also consider other sources of financial information. Exclusive reliance on ratings
can be an unsafe and unsound banking practice because credit ratings may lag actual changes in
credit quality. There have been a number of instances where companies maintained investment
grade ratings until just before they defaulted.
To manage investment risks prudently, FHLBanks should supplement external ratings with
internal credit analysis.