... understandable for patients. A few toolsare available to measure the readability of materials as well as the health literacy of the patients. Evaluating the suitability of education materials for ... Checklist2assess how readable and understandable education materials are, and also evaluate how well materials stimulatelearning and motivation and whether the materials are culturally appropriate. ... 18.8. Brandes W, Furnas S, and McClellan F. Literacy, Health, andthe Law: An Exploration of the Law andthe Plight of Marginal Readers within the Health Care System: Advocating for Patients and...
... Table2:Ratingagencycategories and defaultratesS&P and FitchMoody's Oneyearavergedefaultrate*Fiveyear averagedefaultrate*AAA Aaa 0.00% 0.16%AA Aa 0.07% 0.72% A ... Brokersare the GlueBrokersare the gluethatbringstogether“issuers and investors”in the primary financialmarkets and “buyers and sellers”in the secondarymarkets.Ratherthananinvestorhaving to findanotherinvestor to buy or sellbonds to, theygo toa brokerwhopurchasesbondsimmediately from them and takes the riskofon‐sellingthem.Iftheycan’timmediately, or don’twant to, sellthem,theywillwarehousethemuntiltheyhavefoundanotherend‐investor to sellthem to. Thisalsoworksinreverseinthattheywillalsosellbonds to aninvestorbeforetheyhaveactuallybought the bonds.30MerrillLynchMunicipalMasterIndexon the 11thMarch2010.31MerrillLynchUSCorporate and GovernmentMasterIndexon the 11thMarch2010.32 The UStaxationsystem is differentin a numberofwaysthanthatin the UK.Inrelation to munibondsthough,both the federal and statecandeducttax from anindividual’sincome.Munibonds,aswellasbeingexempt from federaltaxareoftenexempt from statetaxif the holderresidesin the state.336.7%*(1‐40%)=4%34http://www.whitehouse.gov/assets/documents/PACE_Principles.pdf35Seesection3.4.3onassetbackedsecurities18 ... tsingilts to bothbuyers and sellers,althoughnot to otherGEMMs.Theyalsohave to maintain a reasonablemarketshare−meaningthattheyhave to actuallybuy and sellbonds(ratherthanjustmakingmarkets and nottransacting)inboth the primarygiltauctions and the secondarymarkets.As a benefit,theyare the onlymarketparticipantsthatcanbuygiltsdirectly36 A book isa trader’sportfolioofbonds.Thiswillbemadeupofbothrealbonds and derivatives.37Seesection A. 4.38 A listof the currentGEMMs is inAppendix A. 2.39 The giltissuingarmof the UKTreasury.19...
... make a vessel froma lump of clay; It isthe empty space within the vessel that makes it float. Thus, while the visible has advantages, It isthe invisible that makes it useful.Lao-Tzu, Tao ... first, there is no need to excel competitors trying to get the same prize because the number of prizes may be the same as the number of runners.G. Hamel & C. K. Prahalad, Competing For The ... policy. They are limitations. The foundations have to be customer values and customer decisions on the distribution of their disposable income.Peter Drucker, Management Challenges for the 21stcentury.â...
... development, organization, and appropriate and precise use of grammar and vocabulary. TOEFLđ iBT ScoresBetter information about theabilityto communicate in an academic setting.Listening. Learning. ... (organization, appropriate and precise use of grammar and vocabulary) andthe completeness and accuracy of the content. The independent writing essay is scored on the overall quality of the ... for each task is rated on a scale of 0 to 4 according tothe standards (rubrics). The average of all six ratings is converted toa scaled score of 0 to 30. (See the following rubric charts and...
... Schopflocher is on a tour to Australia, India andthe Near East, and by the time this letter reaches you he may be already in your midst. The Guardian wishes your N.S .A. to arrange for him to visit all ... behalf on the N.S .A. of the Bahá’ís of Australia and New-Zealand, andto convey to you, andto your collaborators on that Assembly his grateful appreciation of the stupendous efforts you have ... for the plans you have conceived for the reception, and organisation of the work, of Martha during her visit to your shores. The community of the believers in Australia and New Zealand is making...
... vegetables or sugar and coffee just bread and meat. Some days we had the bread, but no meat; some days the meat, but no bread.Two days we had nothing, neither bread nor meat and it was a solemn and ... Stuart and his men were written higher thanever on the honor roll, andthe whole army was ready to take off its hat to salute the cavalry. And, from that day, there was a marked change in the ... the road there was a smallopen field containing a little farmhouse and garden and apple orchard, where the cavalry had been at work,that morning before we came up. Around the house and in the...
... without major injuries andthe bee vanished. The bad news is that his insurance did not cover the entire new loan on his car and he was unable to buy another dream car. #“Being in debt isa state ... it to be valuable and others have told us it is valuable. In some parts of the world, you can find them lying right on the ground. There is even a state park in Arkansas where you can go and ... CONTENTSChapter 1 – she forgot what she had purchased and when the package arrived on the front porch it was like a surprise gift. Jim and Linda had already borrowed against their house once to consolidate...
... data that get stored in the database. Other data get stored as well, such as the date when you created the article and your username. All these bits of data are associated with the article or ... otherwise might have missed but can now accommodate in the plan. DisadvantagesYou might have noticed that RAD and agile are similar. With that similarity come similar disadvan-tages, such as ... AdvantagesAn advantage of using an agile approach for the production of a site istheabilityto see the site come to life sooner rather than later. You can assess whether the original requirements are...
... that the cost of the iPad,either online or at another retail store, is always the same. There’s nomarkup when you purchase the iPad 2 somewhere other than an Applestore, andthe online store ... those files need, and thentriple that number. This calculation should account for the original files storage andthe potential of creating twice as many files while away from your base PC.As for ... around.One good way for you to pin down the answer tothe memory question is to look at all thefiles you must have to educate and entertain kids away from home, calculate the amount of memory...
... monitor on the back of the camera and do not have theabilityto increase the amount of memory available for picture storage via removable memory cards. The cheapest cameras have a relatively ... tester for Adobe digital photography products and acts as an Adobe Ambassador for Australia and New Zealand. He is an accomplished teacher/demonstrator who, over the last 20 years, has lectured ... Publication Data A catalogue record for this book is available fromthe British LibraryLibrary of Congress Cataloguing in Publication Data A catalogue record for this book is available from the...
... 21Force engine market-share factor that applied to each Air Force en-gine. OC-ALC staff decided that the data necessary to develop AirForce engine market-share factors were not readily available. ... data forspend analyses and inventory management.Extracting and Integrating Relevant DataFor the F100 spend analysis, we integrated data provided to us by the OC-ALC F100 Implementation Team ... Directorate of Transformation (USAF /A4 I) and the Deputy Assistant Secretary (Contracting) (SAF/AQC). It is part of a broader study titled “Air Force Purchasing and Supply Chain Man-agement: Support...
... (HAQ) score, patient-scored visual ana-logue scale for pain (VASpain) and general health(VASglobal), physician's global assessment of disease activityon a five-grade scale (EVALglobal), ... disease activity on a five-grade scale; HAQ, health assessment questionnaire; MTX, methotrexate; VASglobal, visual analogue scale for general health; VASpain, visual analogue scale for pain. Arthritis ... patients treated with adalimumab weretherefore excluded from this report.Furthermore, a linkage between the SSATG database and the Swedish in-hospital discharge register was performed to iden-tify...