... likely to evacuate their farms and were less likely to return, citing they did not have the physical or emotional energy to recover fromthe eruption event The impact ofthe loss of financial equity ... feed The poor condition of livestock often made evacuation uneconomic as well as reducing the resilience of livestock to cope with the eruption impacts and the stresses of transport The lack of ... crushing for displaced elderly farmers, who either expected to retire on their land or use the money fromthe sale of their farm to support retirement The death of animal populations on a large scale...
... likely to evacuate their farms and were less likely to return, citing they did not have the physical or emotional energy to recover fromthe eruption event The impact ofthe loss of financial equity ... feed The poor condition of livestock often made evacuation uneconomic as well as reducing the resilience of livestock to cope with the eruption impacts and the stresses of transport The lack of ... crushing for displaced elderly farmers, who either expected to retire on their land or use the money fromthe sale of their farm to support retirement The death of animal populations on a large scale...
... Lessonsfromthe Game of Golf The Course This unique golf course consists of eighteen holes, each one devoted to a principle of management Like any other 18-hole course, there are a number of obstacles ... elements and factors that make up the swing, and even the frequency ofthe swing But then who is the customer? The answer is the ball! This particular customer is perhaps the most demanding, unpredictable, ... to improve their performance—that’s why they play Sharing the golfing experience with others while trying to improve their own game is what the game is all about Why can’t some ofthe same factors...
... point on the curves is the mean of three independent determinations (SD £ 3%) Influence of membrane thickness on the antibacterial activity ofthe peptides The possibility of modifying the A laidlawii ... the susceptibility of mollicutes to melittin and the LK peptides was independent ofthe amount of cholesterol in the membranes of these bacteria Table Antibacterial activities of LK peptides and ... similar to those of mellitin, LK15(3.6) and Dns-LK15(3.6) were the most efficient ofthe LK peptides for the four types of membranes, i.e independent ofthe membrane thickness Their inhibitory...
... as well as their attitudes toward the administrator It also depends on the nature ofthe activities, the lines of authority in the organization, the integrity of their work group, and the task ... organization They work at the process of institutional renewal They allow the institution to improve continuously They preserve and revitalize the values ofthe institution They mitigate the tendency of ... requirement, (2) the location of information about the problem, (3) the structure ofthe problem, (4) the likely acceptance ofthe decision by those affected, (5) the commonality of organizational...
... communities within the CLAHRCs The paper will start with a brief discussion ofthe structure and purposes ofthe CLAHRCs and the main premises ofthe CoP approach It will then explore the following ... ‘stage -of- change’ theories used in the field of implementation research [66] The main strength ofthe CoP theory is that it is able to provide a basis for the development and delivery of theoryinformed ... enhance the transition from a team to a CoP Second, in spite ofthe reports describing the deliberate formation of ‘genuine’ multiprofessional CoPs from scratch, their description is often not...
... evaluation was designed to explore the quality ofthe outputs ofthe IMP and ofthe commissioning process Our findings regarding the impact ofthe work funded and about the difficulties faced by those ... exploring the development and work ofthe IMP, and the statements applicants made initially about the potential users of their research Questionnaire to the thirty-six lead applicants of IMPfunded ... role ofthe IMP as a whole in this Questionnaires to potential users on the dissemination and use of research findings While the projects were funded on the basis of their contribution to the...
... search out the massed wheeling circles ofthe stars, my feet no longer touch the earth, but, side by side with Zeus himself, I take my fill of ambrosia, the food ofthe gods Quote from Kepler ... Did he who made the Lamb, make thee? Tyger! Tyger! burning bright, In the forests ofthe night, What immortal hand or eye Dare frame thy fearful symmetry? Lesson The mother of mathematics is astronomy/astrology ... God is a Mathematician William Blake 1757-1827 William Blake: The Ancient of Days William Blake: Newton The Tyger by William Blake • Tyger! Tyger! burning bright, In the forests ofthe night,...
... estimated costs of production and then the entire value ofthe equipment There is left the net value ofthe copper ore But these proceeds are to be obtained over a series of years, and are therefore ... fromthe micro the abrogation ofthe Great Western lease, to the macro the “disastrous” shortage of shipping tonnage capacity on the Great Lakes After finding out from an interview with one of ... similar damages that result fromthe use of or inability to use the work, even if any of them has been advised ofthe possibility of such damages This limitation of liability shall apply to any...
... fair view ofthe financial statements 1 ROLE OFTHE AUDITOR The Profession Professional bodies and associations linked to the profession The majority reply that reporting on the financial health ... ofthe recent financial crisis – a crisis that is still affecting the economies of many nations There persists an expectation gap between the actual scope of audit and the public perception of ... recognition ofthe clarity of certain messages, we have reproduced the text provided in the response The variation in the length ofthe various sections is a reflection ofthe number of questions...
... after the bankruptcy of Lehman Brothers Taking into account the characteristics ofthe evolution of real credit, the variable under analysis in the rest of this paper is defined as the change in the ... financial soundness of banks provides, in general, a good evaluation ofthe strength ofthe overall financial system and, therefore, the resilience of real credit growth in the presence of an adverse ... global financial crisis in emerging market economies Some ofthe existing research analyses the effects of pre -crisis conditions on the behaviour of credit To date, however, all of these studies...
... the period ofthe financial crisis This is done by running a crisis dummy (C), which takes the value offromthe third quarter of 2007 to the fourth quarter of 2009 and zero elsewhere, with the ... in no way the responsibility ofthe BIS or the ECB iii Introduction The 2007–2010 financial crisis has vividly highlighted the importance ofthe stability ofthe banking sector and its role in ... changes in the average impact of monetary policy on bank lending during the period ofthe financial crisis In other words, interest rate cuts during thecrisis produced beneficial effects on the growth...
... oftheBank for International Settlements (BIS) Former Secretary General ofthe Committee of Governors ofthe EEC central banks Rapporteur, together with the late Tommaso Padoa-Schioppa, ofthe ... conducted separately for the period prior to, and the period since, the onset ofthe financial crisis, using the rescue of US investment bank Bear Stearns as the turning point between the two periods ... Chair, the Economic and Development Review Committee ofthe OECD Former Economic Adviser and Head ofthe Monetary and Economic Department ofthe BIS Former Deputy Governor oftheBankof Canada...
... at the outset ofthecrisis There are a number of reasons why the Norwegian banking crisis presents an ideal setting for studying the impact ofbank distress on firm performance First, thecrisis ... anticipation ofthe event BANKCAR, defined to be the 3-day CAR estimate for the distressed bank, acts as a measure ofthe level of surprise in the distressed announcement, weighted by the magnitude ofthe ... unconfirmed rumors of financial problems The second variable, CRISIS LENGTH, is the logarithm ofthe number of days between the date of a particular distress announcement and the date ofthe first distress...
... regional savings banks associations, as they remain owners ofthe assets The future losses ofthe PSV have to be paid out of net profits ofthe transferring bank and the owners if the earnings are ... small.15 In the case ofthe Industriekreditbank IKB, the sum ofthe liquidity lines was reportedly too large to satisfy the large exposure criterion ofthe banking act Also, the limitation ofthe duration ... Recommendations regarding the banking sector 20 ECO/WKP(2010)44 THE GERMAN BANKING SYSTEM: LESSONSFROMTHE FINANCIAL CRISIS By Felix Hüfner1 The banking sector was hit hard in thecrisis Although...
... accounting device, separating the note issue business fromthe other activities ofthe Bank, was similar to that oftheBankof England's Issue Department Over the years there were some changes which ... reserves ofthe Central Bank always comfortably exceeded the note issue - and indeed were more than double the note issue in the late 1970s The drift ofthe Central Bankof Ireland away fromthe pure ... deficits ofthe period between the end ofthe Second World War and 1956 (including thecrisisof 1955-56) were absorbed almost entirely by running down the external 21 holdings ofthe private banks...
... the fulfilment of a societal role in offering an opinion on the truth and fairness ofthe financial statements of audited entities The independence of auditors should thus be the bedrock ofthe ... services by the auditor to its clients as well as strong restrictions on the possibility for the members ofthe network ofthe auditor to provide services to the members ofthe group ofthe audited ... that the formation of consortia could play a significant role In the instance ofthe demise of one ofthe consortium members, 37 38 EN Press release POB PN 60 ofthe Audit Inspection Unit of the...
... high levels of risk by following the letter rather than the intent of regulations In some cases, banks have taken on high levels of risk by following the letter rather than the intent of regulations ... are they up to the task? Does the board obtain relevant information? In the wake ofthe financial crisis many boards of financial enterprises have been quite active, but why not before? 18 In the ... CORPORATE GOVERNANCE LESSONSFROMTHE FINANCIAL CRISIS Supervisory boards of state owned banks have often not been capable of responding to a changing business model The state-owned Landesbanken in Germany...
... other things, that much ofthe predictive power in the full model derives from how customers acquire and handle their bank credit cards Given the deep penetration ofthebank card product in the ... bank or the non -bank sector, but not both, leaves a substantial gap in the overall profile for a given borrower In the absence of efforts to expand the scope of credit reporting, the size ofthe ... not the experience of other financial institutions Tables and display the results ofthe retail-only simulations As in the previous discussion ofthe negative-only simulation, suppose we use the...