... 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-20
th
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 assess
whether RRT dose improves patient outcomes, and to assess
whether there is evidence ... stress theimportance of
physician inclusion in relation tothe types of therapy the RRT
can deliver. Finally, we emphasize theimportanceof RRT
dose in preventing SAEs in hospitalized patients.
The ... which there is a
relationship between the dose of therapy given and the
response to such therapy. This dose-response is seen in
every day practice in relation to diuretics for the treatment of
fluid...
... that
these were most likely due to old trauma. Mild osteoar-
thritic changes were noted at the carpal-metacarpal joint
at 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% in
women [2]. The prevalence rises to 4.4% of men and 1.8%
of women over the age of 65 [4]. A two-fold increase in
incidence of ... attrib-
uted in part tothe continuous aging ofthe population as
well 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 middle
age 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 travel
not 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 tourist
33%
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
Classroom
Teachers often complain about discipline, about lack of attention, about the use of L2 in the
classroom and many other problems, many of which...