The issue of the equilibrium level of credit in the economy is addressed in the liter-
ature from di®erent perspectives. Several papers use theoretical models to analyze the
equilibrium level of credit over business cycles by identifying phases of credit rationing
or credit booms (Kiyotaki and Moore, 1997; Azariadis and Smith, 1998; Lorenzoni,
2008). In the similar spirit, DSGE models have been used recently to analyze the
asymmetry in the behavior of borrowers and lenders in reaction to structural, and in
particular ¯nancial shocks (Iacoviello, 2005; Gerali et al., 2010)....
The Furniture Factory user interface employs three windows. The Sketch window displays
freehand sketches the designer draws with a tablet and stylus (Figure 5-a). The 3-D window has
two functions: to enable the designer to view the design and to edit its parts. Figure 5-b shows a
3-D view of the bookshelf generated from the sketch. These parts can also be moved and rotated.
The Parts window displays the parts and their joints (Figure 9-a). The rest of this section
describes these components and their roles in Furniture Factory. ...
We are especially grateful to staff members at the Federal Reserve Bank of Richmond who did such an
excellent job in producing the book. Elaine Mandaleris, the Research Department's publications supervisor,
provided critical support in the initial stages of the book's production and in the coordination of the staff.
Dawn Spinozza, the managing editor for Instruments, did an exceptional job in editing the copy and
organizing the ongoing production of the book. Gale (Geep) Schurman, the graphic artist, did an excellent
job in producing the charts and design work.
At the lower end of the uterus is the cervix, a narrow opening. It is
through the cervix that the sperm traveled on their way to the egg cell.
Connecting the cervix to the outside of the body is the vagina. The
vagina is made up of muscular tissue. It is into the vagina that sperm are
ejaculated from the penis. Also, the vagina is the birth canal, through
which the infant passes as it leaves the mother’s body during childbirth.
Unlike in males, the reproductive pathway in females is not combined
with the pathway for excretion.
Many of the recommendations outlined in ―Pesticides in the Diets of Infants
and Children‖ were incorporated in the Food Quality Protection Act of 1996
(FQPA), which ensures greater protection of children from pesticide risks.
Consistent with these mandates, OPP has established policies, procedures,
and requirements to expand the protection of children.
The view that a midwife is the expert in normal pregnancy is not new
but the context within which midwifery is practised has changed over
the years. From the early 1960s the most usual place to give birth
moved from being a woman’s home to hospital settings and the
majority of women now give birth in hospital. In recent years larger
tertiary maternity units have been developed, housing a range of
specialised services, and there has also been an increase in the number
of midwife-led units.
Equity issues, as well as international economic competitive-
ness considerations, may require that certain measures be
anchored in regional or international agreements, while other
policies can be implemented unilaterally. As a result, a key
issue is the extent to which any particular measure might
require or benefit from “common action” and what form such
action might take.
Although DNA from any two people is more alike than different, many
chromosome regions exhibit sequence differences between individuals.
Such variable sequences are termed “polymorphic” (meaning many forms)
and are used in the study of human evolution, as well as for disease and
identity testing. Many polymorphisms are located in the estimated 98% of
the human genome that does not encode protein.
This experiment examines a polymorphism in the human genome that is
caused by the insertion of an Alu transposon, or transposable element.
Certain surrender options are exempt from the application of IAS 39 and
therefore are not required to be separated. These include surrender options
where the surrender value is:
• specified in a schedule, not indexed and not accumulating interest;
• based on a principal amount and a fixed or variable interest rate (or based
on the fair value of a pool of interest bearing securities), possibly less a
In the same way we face major societal challenges in healthcare cost, quality, and
access, individual HDOs face equally complex and demanding challenges. The envi-
ronment is extremely complex, influenced by constantly shifting political, social, tech-
nical, and financial trends. U.S. healthcare provides fragmented services that include
simultaneously competitive and cooperative participants. For example, in many hos-
pitals the physicians who admit patients function as independent contractors of the
hospital and as such are not employees of the hospital.
MyLifeBits is a system that began in 2001 to explore the use of SQL to store all personal information found
in PCs. The system initially focused on capturing and storing scanned and encoded archival material e.g.
articles, books, music, photos, and video as well as everything born digital e.g. office documents, email,
digital photos. It evolved to have a goal of storing everything that could be captured.
This is where your advisor can play a big role. If you've really made your analysis as
simple as possible, it is a) less likely to contain an error, and b) any errors that remain
will be easier to nd.
This brings me to another common problem. When you've worked on a topic for several
months|or even several weeks|you tend to lose a lot of perspective : : : literally. You're
just too close to the work to really get a picture of what is going on. This lack of perspective
takes one of two forms: rst, you may think something is obvious when it really...
Our revised ﬁ gures for 2011 put the number of stationary systems shipped during the full year
at over 16,000 and the number of megawatts at over 81 MW, up from 8,300 and 35 MW in 2010,
increases of 94% and 133% respectively.
There exists a “communication gap” between the
developers of security technology and developers
of networks. Network design is a well‐developed
process that is based on the Open Systems
Interface (OSI) model. The OSI model has several
advantages when designing networks. It offers
modularity, flexibility, ease‐of‐use, and
standardization of protocols.
The ESBG appreciates the efforts of the European Commission and the Liikanen Group to
strengthen financial stability in the European banking landscape. The ESBG also welcomes
the fact that the Liikanen Group brings the risky practices of investment banking including
proprietary trading, shadow banking and the ‘Too big to fail-Problem’ to the spotlight,
leaving aside the “Vickers Report” approach.
In this paper, we show that such seemingly minor
information leaks can have more serious consequences
than the system designer thought. We present a new at-
tack in which a malicious user can eavesdrop on others’
keystrokes using nothing but her non-privileged account.
Our attack takes advantage of the information disclosed
by procfs , the process ﬁle system supported by most
Unix-like operating systems such as Linux, BSD, Solaris
and IBM AIX.
The unique segmentation of Chinese stock markets has attracted great attention of re-
searchers. Much empirical work concentrates on analysing the segmentation and linkages
between Chinese stock markets, as well as integration of Chinese with international stock
markets (Wang and Iorio, 2007; Girardin and Liu, 2007). Meanwhile, some studies inves-
tigate issues concerning discounts of B shares relative to A shares based on asset pricing
models. Chan et al. (2008) and Chakravarty et al.
The Council of Development Finance Agencies is a national
association dedicated to the advancement of development finance
concerns and interests. CDFA is comprised of the nation’s leading
and most knowledgeable members of the development finance
community representing over 300 public, private, and non-profit
development entities. CDFA communicates with nearly 20,000
development finance stakeholders on a weekly basis.