Given Tracy’s credit history, she felt that car ownership was impossible.
Once she heard about Vehicles for Change, however, she was able to
purchase a reliable used car that carried certain guarantees and receive
a low-interest loan to help rebuild her credit.
“This car right here probably would have been about $2,000 or more if
I had went to a car dealer. [Vehicles for Change] gave me the true value,
the book value, of this car,” Tracy said.
I would like to thank Prof. Min Wu and Prof. Rama Chellappa for not only
serving on my thesis committes and reviewing my thesis but also serving as references
for my faculty application. I am also grateful to Prof. Shuvra S. Bhattacharyya and
Prof. Lawrence C. Washington for their time and e®ort serving on my committees
and reviewing my thesis. I would also like to thank Prof. Oscar Au, Prof. Andre L.
Tits, and Prof. Peter Cramton for serving as references for my faculty application.
Although listening has played a crucial role in foreign language learning, it has often
been neglected by instructors (Osada, 2004). Nevertheless, listening examination has
been included in most English proficiency examinations, such as TOFEL, TOEIC and
GEPT, which implies the importance of listening. Listening comprehension is a
difficult task for foreign language learners to master due to the interference of first
language and the limitation of listening...
As I noted, the ﬁnancial crisis has created an increasingly
global outlook among policymakers. More and more, national
regulators are inﬂuenced by policies fashioned abroad, and
international bodies are stepping up policy coordination.
At the same time, the extraordinary worldwide rise of as-
set managers as ﬁnancial intermediaries has created new
opportunities for funds. Responding to these and other
trends, the Institute readied a new initiative —ICI Global—
launched early in ﬁscal year 2012.
There are many ways for an adviser to organize the risk management function. Approaches vary
depending on a variety of factors, including the adviser’s size and resources; the nature of the
adviser’s (and its affiliates’) business; the complexity of the funds’ structures and investment
strategies; and the size and breadth of the fund complex.
We take pride in continuing our association with the CII Mutual
Fund Summit. This document presents the perspective of industry
stakeholders, along with our points of view, on the current scenario in
the mutual fund industry.
While a lot has been said about distribution, we have attempted to take an
all-encompassing view of the issues and have focussed on looking for the
hidden opportunities. We have tried to examine the business structure and
its operations in order to find ways of stimulating redesign and innovation.
The anthropology of aesthetics as I see it, then, consists in the comparative study
of valued perceptual experience in different societies. While our common human
physiology no doubt results in our having universal, generalized responses to certain
stimuli, perception is an active and cognitive process in which cultural factors play a
dominant role. Perceptions are cultural phenomena.
You would turn to your spectator and announce, or write down on a bit
of paper, “I’ve got as many matches as you, then an extra 3 more. And
then just enough left to make your number up to 14.”
With the prediction made, it’s time for the spectator to count their
matches. You then count yours out and your prediction is proven true.
Say they have seven matches. From your pile, you count out seven
matches and put them aside. Part one of your prediction is true: you have
as many matches as them.
You then count off your...
Yes, there were tragic and painful events during this period of great progress, and these are also
described in Bob’s report. Certainly, the assassination of President Kennedy on 22 November 1963, only six
days after he had visited the launch facilities and walked around the Saturn I launch vehicle, was devastat-
ing to the entire United States, including all of us who had been involved in fulfilling his commitment to
The 1991 Standards require one van accessible space for every eight accessible
spaces. The 2010 Standards require one van accessible space for every six accessible
spaces. If you have complied with the 1991 Standards, you are not required to add
additional van accessible spaces to meet the 2010 Standards.
The 2010 Standards contain new requirements for the input, numeric, and function keys
(e.g. “enter,” “clear,” and “correct”) on automatic teller machine (ATM) keypads.
The second argument is related to proprietary information and specific human
capital. By concentrating ownership, decision rights can be given to individuals who
possess specific knowledge (Jensen and Meckling, 1992; Christie, Joye, and Watts, 1993).
One benefit of co-locating decision rights with specific knowledge is that the leakage of
the specific knowledge to competitors is prevented and the transferring cost of the
specific knowledge is avoided. This benefit is great in East Asia where political lobbying
activities are common and lucrative.
After the state identified a nutrient problem (nitrogen and phosphorous) in
the basin, it recommended a strategy to limit nutrient discharges from a
group of point source dischargers. Subsequently, some of the dischargers
formed an association and proposed an alternative strategy that included
pollutant trading. The strategy, approved by the state, contains a total,
allowable discharge level for the association that, in turn, allocates
individual discharge limits among its members. If ...
Associated General Contractors of America (AGC), the leading national construction
trade association representing both the public and private sectors, for each dollar spent on
new construction, a total of $11 in economic activity is generated across all industries and
other services. Since December 2003, the cumulative increase in the prices of inputs used
in construction (45%) has been more than double the increase in the consumer price
index (19%), as shown in Figure 1.1.
Witasek was born in Vienna on the 17th of May 1870. Little is known of his background,
though the name `Witasek' suggests Croatian origins. He studied in Graz, obtaining his Ph.D. in
1895 and his habilitation - on the nature of optical illusions - in 1899. In the following years,
during which he worked selflessly as an unpaid assistant in Meinong's laboratory of experimental
psychology, he was employed as a librarian in the University of Graz.
Traditionally, health agencies determine potential adverse human health effects based on results of
published animal studies. It is difficult for many agencies to say for certain if a chemical is dangerous to
humans because there may be no published studies of human exposures.
Public health agencies examine all available data when evaluating chemicals.
As regional leaders grapple with these design questions, they learn to become more trusting of one another.
As these relationships grow, leaders’ capacity to think and act quickly on complex strategic issues can increase
dramatically. Stronger, more focused leadership networks emerge that are capable of taking on the challenges
of transforming a regional economy.
Successful regions build stable, pragmatic partnerships composed of people who share important qualities.
These individuals possess the personal integrity needed to strengthen the bonds of trust within the team.
A speciﬁc example in which the theory developed here is quite crucial is
the analysis of locomotion for the snakeboard, which we study in some detail
in Section 8.4. The snakeboard is a modiﬁed version of a skateboard in which
locomotion is achieved by using a coupling of the nonholonomic constraints with
the symmetry properties of the system. For that system, traditional analysis of
the complete dynamics of the system does not readily explain the mechanism of
he explains that loss of the fluid-attaining proteoglycans (Pg)
inside the cartilage collagen network is the earliest indicator of
osteoarthritis. loss of Pgs increases the water permeability of
cartilage and decreases the tissue stiffness, leading researchers
to propose proteoglycans as an important marker for the early
detection of osteoarthritis. To precisely determine the Pg content
in cartilage, lu is investigating a mechanical testing approach with
the aid of advanced theoretical modeling.
The structure of the Standards is divided between Attribute and Performance Standards.
Attribute Standards address the attributes of organizations and individuals performing internal
auditing. The Performance Standards describe the nature of internal auditing and provide
quality criteria against which the performance of these services can be measured. The Attribute
and Performance Standards are also provided to apply to all internal audit services.
The creeks are comparatively less along Tamil Nadu
coast and the analysis of LandSat and Thematic Mapper
data of April 1983 and December 1983 shows that the
'creeks are dynamically changing due to the seasonal
variations. The study of Ennore and Kovalam creeks are
also dynamically changing during the southwest
monsoon and suffer excessive sedimentation during this
period. The already exiting Jetties near Kalpakkam and
Madras harbour cause excessive sedimentation near
the Kovalam creeks and Ennore creeks.