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The production of industrial chemicals and plastics has increased considerably in recent years (Fig. 3). The plastics industry alone directly employs 1.2 million people, and supports 20,000 facilities that produce plastic goods for sale. With- out the billions of dollars on research and development in plastics we would be without many of the now commonly accepted objects that we tend to take for granted.

76p loixinloi 08-05-2013 59 9   Download

Under the Direct Loan Program, students and families borrow through one lender—the federal government—which also provides repayment services to borrowers. In contrast, students and families can borrow through thousands of FFELP lenders, who may or may not continue to provide repayment services to students and families. FFELP lenders may receive a subsidy, called a special allowance payment, from the federal government to ensure that they receive a guaranteed rate of return on the student loans they make.

24p dacotaikhoan 26-04-2013 45 2   Download

We actually create nothing of our ourselves—we merely use the creative force that activates us. And when we draw we are not using the left brain to record facts, we have shifted gears and are now using the right brain to create a little one picture story. With, of course, the facts that the left brain collected and named and itemized in former study periods. This is not a study period; this is a show and tell period (time we are not studying). Do you feel that you are too limited in knowledge? Robert Henri, that great teacher of art said...

35p hoangphiyeah1tv 24-04-2013 53 5   Download

The conventional political scientist’s understanding of power sharing does not make so firm a distinction between tiny and great power sharing, but rather addresses the formal method. It is best summarised in the remarkable forty years’ work by Arndt Lijphart 11 He argues that proportional representation, together with consensual, consociational, negotiated inclusions of as many points of view as possible, are essential in what he calls “divided societies”. In short, political settlement in “divided societies” should come as close to a government of national unity as is practicable.

15p hoangphiyeah1tv 18-04-2013 64 4   Download

Now the argument is that we cannot appropriately appreciate what we do not understand. Science understands how landscapes came to be and how they now function as communities of life. But people, too, form their communities of life; humans cannot appropriately appreciate what they do not stand-under, that is, undergo; and the scientist qua scientist does not objectively undergo any such experience. That requires persons sensitively encountering land- scapes, evaluating them, making a living on them, rebuilding them, responding to them.

11p giamdocamnhac 06-04-2013 63 6   Download

Here's something else about Scot and Monalisa: they both used body-doubles for other roles around then (Scot didn't want to get his knob out in a 3D production of Equus, while Monalisa was paranoid about the spots on her back and demanded a double for her role in Bikini Trouble in Little Blackpool). Those body-doubles -- Dan Cohen and Alana Dinova -- were in another film, even stupider than Bikini Trouble, called Summer Heat. And in Summer Heat, they got their hairy bits into serious play.

258p hongphuocidol 03-04-2013 48 6   Download

Destinations are amalgams of tourism products, offering an integrated experience to consumers. Traditionally, destinations are regarded as well-defined geographical areas, such as a country, an island or a town. However, it is increasingly recognised that a destination can also a perceptual concept, which can be interpreted subjectively by consumers, depending on their travel itinerary, cultural background, purpose of visit, educational level and past experience.

45p lenh_hoi_xung 21-02-2013 80 8   Download

The ability of this first principal component to explain the macroeconomic performance of the economies varies considerably across the sample. To see this diversity, we can look at the factor loadings on the first principal component and the percentage of variation in GDP growth rates that are explained by the first principal component. The factor loadings, normalised to have a mean of 1.0, are given in Figure 3. Industrial economies are shown with darker bars, and emerging market economies with lighter bars.

11p doipassword 01-02-2013 39 2   Download

You will need to decide upon your accounting date – that is, the date to which your accounts are drawn up. Enter the first day covered by the accounts in box 3.4 (or 8) and your accounting date in box 3.5 (or 9). You can choose any convenient date, for example, the anniversary of the date you began your business or , in a seasonal business, a date when trade is slack and stocks are low. You are entitled to change to a different date if you want to. However , whatever date you choose, you will find your tax is easier to work out if...

10p taisaovanchuavo 26-01-2013 56 6   Download

Third, federal funds borrowed have historically been distinguished from other liabilities of depository institutions because they have been exempt from both reserve requirements and interest rate ceilings. 2 The supply of and demand for federal funds arise in large part as a means of efficiently distributing reserves throughout the banking system. On any given day, individual depository institutions may be either above or below their desired reserve positions.

56p taisaovanchuavo 23-01-2013 53 4   Download

Furthermore, we would like to highlight the existing difference between available for sale and held for trading assets. Due to the IAS (International Accounting Standards) definitions regarding AfS, according to IAS 39, AfS financial assets are those non-derivative financial assets that are designated as AfS, or are not classified as: loans and receivables or HTM (Held to maturity) investments, are not held for trading and are not designated as at FVTPL (Fair Value Through Profit and Loss) on initial recognition.

26p machuavo 19-01-2013 47 1   Download

THE credit standing of an applicant for a personal loan is investigated intensively because it indicates, within reason- able limits, the likelihood of repayment. It should not be assumed, however, that a bank officer can foretell with cer- tainty how faithfully a borrower will meet his obligations; few applicants have economic prospects so bad that there is not some small chance of repayment, and few are so well sit- uated that there is not some possibility of delinquency or even default. The selection of borrowers must therefore rest on probabilities.

47p enterroi 01-02-2013 46 3   Download

Since the 1997 Asian financial crisis, bond market development has become a high priority for Asian policymakers. The development of local currency bond markets has often been seen as a way to avoid crisis, with these markets helping reduce potential currency and maturity mismatches in the economy. Indeed, several Asian economies have succeeded in developing fairly active primary and secondary markets in domestic government bonds. In recent years, policymakers in many Asian economies have started to turn their attention to local currency non-government (“corporate”) bond markets.

11p taisaocothedung 12-01-2013 65 3   Download

India and Israel have raised over US$35 billion by tapping into the wealth of their diaspora communities. These diaspora bonds represent a stable and cheap source of external finance, often when countries lost access to international capital markets. For diaspora investors, these bonds offer the opportunity to help their country of origin while also providing an investment opportunity. The potential for diaspora bonds is significant for many countries with large diasporas abroad.

13p taisaocothedung 12-01-2013 31 2   Download

The loans discussed in this paper are only some of the many forms of credit available to consumers in the Philippines, including consumer loans provided by informal institutions, social security agencies, cooperatives, employee associations and non-banks. However, we are unable to discuss these other forms of consumer credit in this paper due to a serious dearth of data. In this regard, the BSP continues to lobby for the establishment of a central credit information system so as to improve discipline in the credit markets.

18p taisaocothedung 09-01-2013 57 3   Download

Retention of logs for purposes of audit is mandated by the LCG Audit Requirements document . Sufficient information should be retained to enable a complete trace from resource usage back to initial user authentication. This information can be useful for troubleshooting purposes and may also be needed in the investigation of security incidents as described in the Agreement on Incident Response document . Care should be taken to ensure that the logs gathered are securely archived and the integrity of these archives is guaranteed and access appropriately restricted. ...

5p khongmuonnghe 04-01-2013 58 4   Download

Data on organic production was obtained from two sources. As a first step data was gathered from organic certifying organisations. The National Association for Sustainable Agriculture Australia, Biological Farmers of Australia/Australian Certified Organic, Tasmanian Organic- Dynamic Producers and Safe Food Production Queensland provided data. The data gathered from certifiers has a number of limitations. Firstly, only the certifying organisations that charge a levy based on sales were able to supply data on farm production. The data that was provided is not consistent and often incomplete.

7p cao_can 02-01-2013 51 4   Download

Each of the case-studies reported on how increased donor support for health has made it difficult for MOHs to successfully argue for additional domestic sources of revenue for the sector – each site experienced this dilemma to varying degrees. The findings of the case-study in Malawi show increases in development assistance to the health sector occurring at the same time as government- wide budget allocations to health were reduced or shifted to other line ministries.

6p ut_hai_can 25-12-2012 38 3   Download

given high levels of illiteracy and isolation, the level of knowledge about health risks related to pregnancy and childbirth are low and hardly informed by modern medical practices. there is poor demand for, and mistrust of, preventive services such as vaccination and birth spacing. Poverty, illiteracy and the low value placed on women’s health, lack of female decision-making power over their own health, and social and cultural norms associated with reproduction adversely affect decisions to seek health care and positive outcomes for mother and child.

78p thankinhphanliet 21-12-2012 59 6   Download

The accuracy of the cytologic examination from any body site depends greatly on the quality of collection, preparation, staining and interpretation of the material. Inadequacy in any of these steps will adversely affect the quality of diagnostic cytology. Diagnostic accuracy and reliability are major issues in cytology practice.

46p le_minh_nha 18-12-2012 52 7   Download