The relative distribution of market value across the sectors is shown in Figure 3. Six of the 23 products
and services ‐ Alternative Fuels (17.3%), Building Technologies (12.1%), Alternative Fuels for Vehicles
(11.8%), Wind (10.7%), Geothermal (8.7%) and Waste Water Treatment (7.4%) ‐ together account for
60% of total market value.
Stressful life events such as trauma, loss of a loved one,
a diicult relationship or any stressful situation—whether
welcome or unwelcome—oten occur before a depressive
episode. Additional work and home responsibilities, caring
for children and aging parents, abuse, and poverty also may
trigger a depressive episode. Evidence suggests that women
respond diferently than men to these events, making them
more prone to depression.
VOCs generated indoors may be presumed to decrease proportionally in response to increases in
house ventilation. This has been documented in a new, unoccupied house for those VOCs with
the highest vapor pressures (Hodgson et al., 2000). However, within chemical classes, the
effectiveness of ventilation for reducing concentrations generally decreases with decreasing
Getting back to 2003, I was still a top
producer in sales but simply wanted a change.
I’d been selling for too long and had no desire
at all to get into sales management. I’ve
always had a strong entrepreneurial drive and
decided to put my prospecting system in
writing and have a try at selling it online. I sat
at my computer from a Friday afternoon
through Sunday evening with no sleep at all
and put my system on paper. Over the next
week I recorded two full-length audio CDs to
Although most SEC attorneys work day-to-day in securities regulation, many
attorneys deal with other substantive areas. The Commission highlights an office that
may interest students who would like to pursue careers dealing with public integrity: the
Office of Inspector General. The OIG reports directly to the Chairman, and it hires interns
each semester. The Commission encourages applications because the OIG serves an
important mission and because it provides interns with hands-on educations.
Consider an HIV-positive pregnant woman who lives in
drought-stricken rural Africa. She has walked several miles
with a child on her back to reach the nearest health facility.
Here, her child will receive some basic primary care and be
vaccinated against measles and other vaccine-preventable
diseases. This facility is small and provides only limited
services; consequently, the woman will be unable to receive
basic obstetric care here when she is ready to deliver her
For basic obstetric care, she must travel to a different clinic
in another village.
OF all branches of economic science, that part which relates to
money and credit has probably the longest history and the most
extensive literature. The elementary truths of the Quantity Theory
were established at a time when speculation on other types of
economic problem had hardly yet begun. By the middle of the
nineteenth century when, in the general theory of value, a satis-
factory statical system had not yet been established, the pamphlet
literature of money and banking was tackling, often with marked
success, many of the subtler problems of economic dynamics.
Measure risk: Accurate and timely measurement of risk is essential to
effective risk management. A bank that does not have risk measurement
tools has limited ability to control or monitor risk levels. Further, more
sophisticated measurement tools are needed as the complexity of the risk
increases. A bank should periodically test to make sure that the
measurement tools it uses are accurate.
Independent, private-sector organization whose trustees appoint the
members, provide funds, and exercise general oversight of the
Financial Accounting Standards Board (FASB), Governmental
Accounting Standards Board (GASB), and their respective advisory
Official promulgations by the Financial Accounting Standards Board
and, if not superseded, part of generally accepted accounting principles.
On December 7, 1995, the U.S. EPA promulgated a National Emission Standard for Hazardous Air
Pollutants (NESHAP) for the wood furniture manufacturing industry. The NESHAP applies to all
wood furniture manufacturers with the potential to emit 10 tons per year (tpy) or more of a single
HAP or 25 tpy or more of a combination of HAPs. Potential to emit is defined and discussed in
Section 1.4.1 of this Manual.
To better understand the international perspective of
public policies for the elderly, in line with the parameters
that serve as tendencies for national policies, one must
contextualize international health conferences that had
health promotion as their central topic. Since the
Declaration of Alma-Ata, in 1978(5), it has been noted
that measures and characteristics of health promotion
imply a search for healthier life styles and active aging.
Health promotion is seen as a process of community
qualification, aiming to improve life and health conditions.
But while there are differences in profitability and target markets, there are not big
differences in loan portfolio quality. The top row of Table 3 reports on the quality of loan
portfolios for different kinds of institutions, and we show that all in fact do quite well. We focus
on nongovernmental organizations, non-bank financial institutions, and banks. For each group,
the range of experience is captured with data at the 25th
percentile, median, and 75th
Be prepared, learn all you can, both broadly and specifically. That is,
become as well-rounded as you can. Concentrating on sports and beer will serve you well in
some settings, but will not be enough for most others. The more knowledgeable you are, the
higher you can rise, and a liberal education will add to the scope and quality of your judgment.
At the same time, employers want to know what you can do well, and it is valuable to become
expert in some particular sphere(s).
Teaching silent ﬁlm courses on a regular basis, I’m one of the ﬁrst to
admit that the advent of DVDs has made my job easier. Trying to con-
vince students that the ﬁlm they are watching is not only a cinema clas-
sic, but also as sophisticated and modern as any ﬁlm made in the sound
era, is a particularly hard sell when the print in question is a ‘dupey, ’
ﬁfth-generation 16mm reduction from the 35mm nitrate original, and
dead silent to boot.
They fill a gap: as BAs do not face the transaction costs faced by venture capitalists, they
are able to conduct smaller investments. Studies show that, while Business Angels invest
across the full range of company stages, they are the main source of funding when the
deal size is under USD 1m, and they participate in a higher number of rounds of seed and
start up capital than venture capital funds. Mason and Harrison note that the informal
venture capital market is the largest external source of early stage risk capital, dwarfing
the institutional venture capital market...
Insurance companies that sell long-term care insurance generally pay
benefits using one of three different methods: the expense-incurred
method, the indemnity method, or the disability method. It is important to
read the literature that accompanies your policy (or certificate for group
policies) and to compare the benefits and premiums.
When the expense-incurred method is used, the insurance company must
decide if you are eligible for benefits and if your claim is for eligible
services. Your policy or certificate will pay benefits only when you receive
The kind of transfers granted depends on the severity of the frailty (care level) and the type of
care arrangements chosen (by family members, care providers or in a nursing home). Persons
requiring home care can thus either draw lump-sum transfers (Geldleistung), in-kind transfers
(Sachleistung), or a combination of both. Only lump-sum transfers can be claimed for nursing
home care. German legislation assigns priority to home care over nursing home care and the
LTC insurance is expected to continue supporting patients being cared for at home for as long
In recent decades a significant part of the land use changes caused
by the population expansion in Turkish cities has not followed an
urban development plan but was rather driven by unlicensed build-
As an example, the built-up area in the province of
Istanbul increased by more than 40% between 1990 and 2005. New
settlements were typically erected on public land near water bodies
and in areas that had been made more accessible by new trans-
portation routes like the Transit European Motorway, the E-5 and the
second Bosphorus Bridge.
There is little empirical evidence regarding the responsiveness of individuals to health insurance mandates. Two states (Hawaii and Massachusetts) require many of their employers to provide coverage for employees or face penalties, but the responsiveness to a mandate requiring employers to offer insurance is likely to be different from the reaction to a broader mandate that individual people obtain coverage. Although Massachusetts currently requires adults to have health insurance, that mandate has been in existence for less than four years.
The case for a rise can be put quite simply. An early increase in Bank Rate makes it more likely that the
inflation target can be met in two to three years time because it allows for greater subsequent flexibility. If
inflationary pressures subsequently prove more severe than the central part of our forecast suggests, then it
will be a help to have started to raise interest rates earlier. But if they prove less strong then subsequent
increases can be slower than would otherwise be the case. Indeed, if the economy is extremely weak,
interest rates can be...