... acceptance of consumer loans within these savings banks.
23
The selection model can be identified without using an instrument but would then rely deterministically onthe
non-linearity ofthe selection ... access data that has information not only on loan
performance, but also onthe determinants for the loan approval decision, including the
quantifiable credit information onthe customer. Our results ... use the natural logarithm ofthe
number of branches over population as our main instrument. This variable is constructed using
the number of all branches of each savings bank and the number of...
... balance during the last
six months, the percentage of months with a negative balance during the last 6 months, the usage
of the credit limit, the percentage of months in excess ofthe credit ...
President ofthe European Monetary Institute. Mr Lamfalussy is one ofthe leading
central bankers of his time and one ofthe main supporters of a single capital market
within the European Union.
Each ... address the question
whether banks use their private information rather in screening than in monitoring borrowers.
Using additional information about transaction account behaviour of our sample...
... between the convictions of truth and the overwhelming force of
confirmed habit. Under the sustaining power of a good constitution, and inthe activity of business, he never
dreamed of injury from the ... drops ofthe oil were rubbed on
the tongue. In one minute the pupils were entirely dilated, with strong convulsions. In one and an half
minutes, in trying to walk, the animal fell. In three minutes ... and the right hind leg were affected
with a simultaneous convulsion or jerk, corresponding with the inspiratory motions ofthe chest. This
continued for five minutes.
An Essayonthe Influence of...
... unifying thread through the latter parts of this paper as the
discussion turns to the implications ofthe ability-education-income inter-
relationships for the assessment ofthe contribution of ... onthe level of his
educational attainment; onthe quality of his education (quality ofthe school facili-
ã
ties); and other knowledge he gained from his educational training or otherwise, in
and ... functions and in growth analysis. Some brief remarks on the
income-education-ability interrelation conclude the comment.
I. THE ROLE OF EDUCATION IN AGGREGATE PRODUCTION FUNCTIONS
AND IN GROWTH...
... identification
of the criminal norm, and therefore the structure ofthe criminal norm contains only
valid conditional clauses.
A valid conditional clause that is part ofthe criminal norm contains the ... law
theory there are four fundamental principles:
(1) The principle of legality
(2) The principle of conduct
(3) The principle of culpability
(4) The principle ofpersonal liability
The supra-principle ... liberal concept of law, or the liberal
legal concept.
26
According to this concept, two principal social powers confront
each other inthe cont ext of criminal law. The first is the power ofthe sovereign...
... Elimination of All Forms of Discrimination against Women (CEDAW);
ã the International Convention onthe Elimination of All Forms of Racial Discrimination;
ã the Convention onthe Rights ofthe ... than international instruments protecting women from
discrimination.
16
And in considering whether a woman could inherit her father’s estate,
that court relied on traditional conceptions ofthe ... embedded inthe six major
United Nations international human rights treaties:
ã the Convention Against Torture and Other Cruel, Inhuman or Degrading Treatment or Punishment;
ã the Convention on the...
... the
child’s growth chart.
Clinical examination
(including growth assessment)
There are no specific features on clinical examination
that can confirm that the presenting illness is due to
pulmonary ... TB, and the prevention of TB in children, by
ensuring their inclusion under the implementation of the
Stop TB strategy by National TB Programmes. Critical
areas for further research include a ... have one or more of
the following:
* Appendix A (Placement and interpretation of tuberculin skin
test) is available on request from the corresponding author.
ã Suspected drug resistance
ã HIV infection
ã...
... change of
pronunciation or spelling. The most important kinds of alteration are (1) voicing
of final consonants, and (2) shift of stress.
41
3.1.3.1. Difficulties in realizing meaning of verbs ... fill the hole inthe card)… The denominal verb, though, only
contains the sense of putting that material on places like walls. This shows the
converted item has only converted part ofthe semantic ... word, in
the course of changing its grammatical function, may undergo a slight change of
pronunciation or spelling. The most important kinds of alteration are (1) voicing
of final consonants,...
... heart with anyone in need of help, give them
the life to overcome difficulties. It will bring to them the optimism, the belief
and the love in life. And, we can see that in confrontation with each ... function
The aesthetic only
The apprehension
The aesthetic
The education
Logical though form
Expressing concept and
generalizing individual
phenomena.
Expressing judgment,
affirming attributive ... somehow deduced from the meaning
of the word which constitutes it. Eg: “Don’t teach fish to swim” Vs “Out ofthe
frying pan and in to the fire”
- Very often the meaning of proverbs cannot be...
... preservation ofthe individual, while they continue to operate inthe manner
of instinctive desires; are nearly the same in man that they are inthe other animals; but in him they are sooner
or ... afterwards, by men ofthe finest talents, made onthe fable itself, or conveyed in its moral. The
passions ofthe poet pervaded the minds ofthe people, and the conceptions of men of genius, being
communicated ... determine the rate of their genius, and
assign the palm of distinction and honour.
When nations succeed one another inthe career of discoveries and inquiries, the last is always the most
knowing....
... efforts of bearing down increases the intra-abdominal
pressure, facilitating the development of a stripping wave,
resulting in stool evacuation.
Common causes of constipation
in the elderly
In the ... glycol
(PEG)
Lubiprostone
Biofeedback
therapy
(dyssynergic
defecation)
Alvimopan
methylnaltrexone
(opioid-induced
constipation)
Figure 1 Treatment algorithm for the management of chronic constipation inthe elderly.
Clinical Interventions in Aging 2010:5
submit ... and Go
in general practice, 50% gave a different definition of
constipation compared to their physicians.
6
Because of these
variable definitions of constipation, an international panel
of experts...
... stiff in my limbs, or less footsore, onthe morning
after the day ofthe sport, than onthe other morning.
In all these cases, stimulants upon the mind seem to act rather by taking off the
attention ... &apos ;the
symmetry of person, the vivacity, the voluptuous softness of temper, the affectionate
kindness of feelings, the imagination and the wit' of a woman that excite the passion
of love, ... convince them of their mistakes. Priding themselves on what they
conceive to be a mark ofthe reach and size of their own understandings, ofthe extent
and comprehensiveness of their views, they...
... requires confirmation ofthe authenticity of
products. This is where application of nanobarcodes incorporated into printing inks or coatings has
shown the potential for use in tracing the authenticity ...
biotransformation ofthe substance during food processing or in food.
Unintentional incorporation of ENM into the food chain must also be considered as a human exposure
scenario. The agricultural use of ... http://www.who.int/foodsafety
The designations employed and the presentation of material in this information product do not imply
the expression of any opinion whatsoever onthe part ofthe Food and Agriculture...
... Details of instructional time and of instruction received by the intervention groups
Author, date Amount of instructional time in experiment Information about what other literacy instruction participants ... Review ofthe Research
Literature onthe Use of Phonics inthe
Teaching of Reading and Spelling
Carole J. Torgerson *
Greg Brooks **
Jill Hall *
* University of York
** University of ... receiving, including
whether or not the interventions included spelling instruction
et
al.)
Total instructional...