... difficult to interpret, macroeconomists in the last decade have stressed theimportanceof human capital’s contribution to growth: The main engine ofgrowth is the accumulation of human capital ... rate of return to education, they estimate that the total rate of return to education should be 12 to 13%. As their highest estimate is short of this range, the argument may be made that the ... detail research into new growth theory, an outgrowth of the traditional neoclassical model. The neoclassical growth model, developed in the mid-20th century, is a cornerstone ofeconomic analysis;...
... of color dressed in the Swedish traditional custom. Max offers a wide range of services to customers. The possibility to compose their meals and choose from several different alternatives to ... combination of these that identifies the makers or seller ofthe product or services”. According to Kapferer (2004), a brand is a name that has the power to influence a buyer. He went further to say ... approach has to do with the building up of theory and hypothesis after reading literatures i.e. testing theory.ã Inductive approach has to do with development of theory from analysis of collected...
... available to customers the more likely will these customers apply for loans at one of these branches. However, while savings banks are expected to provide their services to all customers in their ... the number of all branches of each savings bank and the number of inhabitants ofthe particular region the bank is operating in. The underlying intuition is that a customer is more likely to ... tests for the effect ofthe existence of a credit line in a customer’s transaction account. The results suggest that that the existence of a credit line significantly lowers the customer’s default...
... months in excess ofthe credit limit, sum of account credits of the last months relative tothe average account credits ofthe last six months, the number of return debit notes during the last six ... the number of all branches of each savings bank and the number of inhabitants ofthe particular region the bank is operating in. The underlying intuition is that a customer is more likely to ... willingness to take on risks. Furthermore, loan officers have some discretion themselves as to whether or not they approve a loan application. In other words, there are some subjective elements in the...
... related tothe emergence ofthe ‘new growth theory (i.e. the endogenous growth model). This development incorporates the role of financial factors within the framework of new growth theory, ... revision ofthe main tenets ofthe thesis. Initially, the response ofthe proponents ofthe financial liberalisation thesis was to argue that where liberalisation failed it was because ofthe ... be passed on if firms are to achieve their profit targets to finance their investment plans. The bigger the size ofthe firm, the easier it is for it to pass on the increase in interest rates....
... the efficacy of these teams are varied. The aims of this article were to explore the concept of RRT dose, to assesswhether RRT dose improves patient outcomes, and to assesswhether there is evidence ... stress theimportance of physician inclusion in relation tothe types of therapy the RRTcan deliver. Finally, we emphasize theimportanceof RRTdose in preventing SAEs in hospitalized patients. The ... which there is arelationship between the dose of therapy given and the response to such therapy. This dose-response is seen inevery day practice in relation to diuretics for the treatment of fluid...
... thatthese were most likely due to old trauma. Mild osteoar-thritic changes were noted at the carpal-metacarpal jointat the base ofthe thumb. The report stated that the radio-graphs were otherwise ... prevalence of gout in the USA ranges between 0.5–2.8% in men and 0.1–0.6% inwomen [2]. The prevalence rises to 4.4% of men and 1.8% of women over the age of 65 [4]. A two-fold increase inincidence of ... attrib-uted in part tothe continuous aging ofthe population aswell as the widespread use of diuretics for treatment of hypertension [4].Gout is a clinical syndrome caused by the deposition of monosodium...
... have the highest percentage, occupy 58,5%. The percentage of young tourists is slightly smaller than the percentage of middleage tourists. It means that at that time, the tourist at the age ofthe ... that the percentage of independent tourist is the biggest. It occupies 58% in total. The numbers of tourists who travel in-group hold 33%. And the business tourist market is less,9%. Seeing the ... home to keep the house for their children, or travelnot much. This kind of tourist wants to have a culture tour, have a rest.Therefore, not many tourists stay in Hanoi now.Estimate age of tourist33%58%9%0%10%20%...
... brought the notion of body language and eye contact back tothe attention of language teachers, but largely in the context of providing clues tothe nature ofthe learner rather than in terms of ... room. ã Talk to your learners, not tothe book, the board or the screen. ã Eyes can set the tone of a lesson. As the lesson starts, walk around the room looking to check whether the learners ... TheImportanceof Eye Contact in the ClassroomTeachers often complain about discipline, about lack of attention, about the use of L2 in the classroom and many other problems, many of which...