aren t what they used to be
moloney - how to protect investors; lessons from the ec and the uk (2010)
... Comments included ‘I think it’s great that they [the EC] are trying to something to help the consumer’ (from the UK) and ‘It’s very positive that the [Commission] pays attention to a sector of the ... Community, the EC and the EC Treaty At the time of writing, the Lisbon Treaty had not been ratified by all the Member States If the Treaty comes into force, the relevant EC Treaty provisions will not ... process and the Better Regulation agenda,97 including more extensive consultation procedures, better cost/bene t analysis and the recent striking attempts to locate policy developments in a better understanding...
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The Duration of Bank Retail Interest Rates BY Ben R. Craig and Valeriya Dinger ppt
... customers with the best credit rating and with no other relation to the bank Rates on products offered to existing customers might vary from those reported by Bank Rate Monitor The rates reported by ... monopolistic distortions 29 These results contribute substantially to the price rigidity literature which has, so far, used less detailed data that not allow identification either of the relation between ... explores the proportional innovation to the baseline hazard generated by the covariates value The results of these hazard estimations23 are illustrated in Table to Table To facilitate interpretation,...
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Tài liệu Regulatory Rights Supreme Court Activism, the Public Interest, and the Making of Constitutional Law doc
... evidence of the meaning that anyone historically attached to the text I want to be clear that this purist position is not common among advocates of a textualist approach to the written Constitution ... distinctions In this instance, the common strategy is to bow to the popular equation of the document with the Constitution, but then to distinguish the Constitution, in turn, from constitutional ... this fundamental fact of life Better to apply more discipline to the exercise, to recognize that the writing typically called the Constitution is not what it’s cracked up to be, and to put it...
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Tài liệu 2012 Outlook for the retail and Consumer Products Sector in Asia ppt
... 50 retail outlets and customer preferences 54 This market is expected to grow at an largest luxury market, with luxury sales rising 8% to euro52 billion be the top contributor to growth in to grow ... without compromising on the international look, feel and populating any one town with too many monitoring market and retail For example, we introduced the knitted curiosity internationally as they ... 26 million but was unable to lead the market29 With the US consumer market expected to remain challenging, it is expected to grow by 47% to more than a better feel for their markets and are 34...
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Professions and the public interest Medical power, altruism and alternative medicine pot
... quotation also makes it clear that Parsons’ account is pitched at the normative, as opposed to the descriptive, level in that it refers not so much to what professionals as to what they should be ... responsibility to the community But, unless the merits of socialism are to be taken as a pure article of faith, it must be said that Marxist contributors such as Brown not their position justice by treating ... judgement from a set of empirical statements To the extent that the public interest is a normative notion, therefore, it cannot be based on empirical data about the capacity of the interests of...
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WORKING PAPER NO. 218 THE ZERO-INTEREST-RATE BOUND AND THE ROLE OF THE EXCHANGE RATE FOR MONETARY POLICY IN JAPAN potx
... and time-invariant and need to sum to one η(x) corresponds to the maximum contract length Workers negotiate long-term contracts and compare the contract wage to past contracts that are still ... negotiated with reference to the price level that is expected to prevail over the life of the contract as well as the expected deviations of output from potential, qt The sensitivity of contract ... model-consistent expectations with respect to historical data The structural shocks differ from the estimated residuals to the extent of agents’ forecast errors We obtained the structural shocks...
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Consumer market study on the functioning of e-commerce and Internet marketing and selling techniques in the retail of goods potx
... complaint with an alternative dispute resolution body were more often satisfied with the outcome they achieved than dissatisfied Respondents who took the matter to court were least satisfied with the ... access Better developed markets are likely to attract large numbers of cross-border shoppers from other Member States Therefore in these Member States it could be beneficial to raise retailers’ awareness ... see what the product they intend to buy really looks like and to take it with them right away This is, without doubt, something online shopping cannot offer 15 Question used: What are your three...
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Temi di discussione: An empirical analysis of national differences in the retail bank interest rates of the euro area doc
... the third step; for the spread between the average rate on total loans to firms and on total deposits, it grows from out of 66, to until to 17 32 differentials in the twenty Italian regions with ... of the 27 monthly dummies of the euro area equation) The test has been carried out using 17 The three aggregate rates (total deposits of households, total loans to households and total loans to ... non-parametric estimator, robust to autocorrelation and to etheroscedasticity, of the long-run variance of δti j The two tests are repeated for the 14 bank interest rates listed in Table and for...
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ISSUES AND SOLUTIONS FOR THE RETAIL AND CONSUMER GOODS INDUSTRIES doc
... event; Entity X, a retail store chain, leases several stores for 10 years with options to extend the leases The leases require that Entity X restore the stores to the original condition at the ... are not incurred to get the inventory to its present location and condition US GAAP comment Relevant guidance The cost of inventories includes the cost of all materials that enter directly into ... competitive, economic, or other factors limit its useful life to the entity The extent to which the products carrying the brand are resistant to changes in operating environments The products should,...
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Tài liệu The Expected Interest Rate Path: Alignment of Expectations vs. Creative Opacity∗ ppt
... long-term interest rate to offset the first-period shock, CB which it expects to be E1 ε1 ; to so, it must take into account its future interest rate, which it expects to choose so as to offset CB the ... information must be precise relative to that of the private sector and early signals must be precise relative to subsequent updates.2 Two other results are worth mentioning at the outset First, because ... Norway and the Riksbank show that this is not really the case Quite to the contrary, these central banks not only explain that committees can think about the expected interest rate path, but they also...
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WORKING PAPER NO. 72 BANK CONCENTRATION AND RETAIL INTEREST RATES pptx
... markets use their market power to extract rents from their customers Point estimates suggest that banks in the most concentrated markets pay 25 to 100 basis points less on their deposits than banks ... allow the effect of concentration on demand deposits to be different from its effect on time deposits and the effect of concentration on mortgage margins to be different from its effect on short-term ... compared to the market share of the top five banks Similarly, in countries with a large number of new entrants into the market, which tend to be small, the market share of top five banks will not reflect...
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To Cut or Not to Cut? That is the (Central Bank’s) Question In Search of the Neutral Interest Rate in Latin America pdf
... the ratio to percent Increase the ratio to percent Increase the ratio to 8.5 percent Increase the ratio to percent Increase the ratio to 9.5 percent Increase ratio from 15 to 20 percent To manage ... percent changes Increase the ratio to 8.5 percent Increase the ratio to percent Decrease the ratio to 7.5 percent Decrease the ratio to percent Increase the ratio to percent Increase the ratio to ... Increase the ratio to 120 percent Decrease the ratio to 35 percent Increase the ratio to 40 percent Increase the ratio to 50 percent Increase the ratio to 65 percent and subsequently to 120 percent...
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Managing University Intellectual Property in the Public Interest pptx
... patent policy Starting with the Kennedy administration, attempts were made to develop a consistent government-wide policy, but the policies put forth directed title to the agencies and not to the ... source of the expertise needed to make these judgments, and it should be prepared to collaborate with others To the extent possible, the university administration should try to ensure that the key ... possibility to persuade agencies to transfer rights to them uncertainty and complexity were high Most institutions had no reason to hire personnel to handle these matters The Bayh-Dole Act removed the...
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Assessing the quality of investment advice in the retail banking sector docx
... statement and said that medium term meant ‘three to five years’ The adviser then stated the firm had to recommend three to five years to be on the safe side’ These statements contradicted the product’s ... with her son returning to the UK from a fixedterm employment contract abroad However, the adviser attempted to influence her to extend the term After some discussion the customer said that a term ... went through the contents of the firm’s ‘Keyfacts about our services and costs’ document with the customer at the beginning of their first meeting The adviser took time to explain key information...
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WORKING PAPER SERIES NO. 393 / SEPTEMBER 2004: THE DETERMINANTS OF THE OVERNIGHT INTEREST RATE IN THE EURO AREA doc
... from fine tuning operations It is assumed that ltrot and f tot are constant throughout the maintenance period, that is ltrot = ltro and f tot = f to for all t = 1, , T 14 At an allotment day, normally ... 0.041 (F) Dt = when t equals T and: T is a settlement day T is NOT a settlement day T- 1 is a settlement day T- 1 is NOT a settlement day T- 2 is a settlement day T- 2 is NOT a settlement day 0.077 ... overnight rate, iT Recall that the central bank allots liquidity such that PT −1 liquidity provision is neutral at T , i.e t= sK vt + vT = The overnight rate at the last ´ ³P T −1 vt + vT + T day...
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Establishment of the farmer interested club of Mong Cai pig production pptx
... house temperature etc Dr.Kit, veterinary expert, and Ms.Tarni, specialist on data updating and completing through the Website Prof Darrent Leader project went to evaluate and complete the reports, ... effectively In each meeting, in addition to the project officers trained for the club members, they shared experiences of the disease symptoms and treatment methods Exists: - All most pigs of the ... NIAH staff together with veterinary officials in Hai Lang district conducted to take disease samples and sent to the regional veterinary office to analyze Animal waste was treated effectively by...
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Thuyết trình tài chính quốc tế Monetary policy transparency and pass-through of retail interest rates
... METHODOLOGY yt = α0 +α1 * xt + u 1t, xt = xt-1 + u 2t t = 1, 2, … T, (1a) (1b) If U 1t is not stationary then the two interest rates will not cointegrate and the relationship will be spurious and tets will ... less than one 2 METHODOLOGY The problem with the Engle-Granger method: The two non-stationary interest rate series cointegrate OLS estimates of EQ (1) not have standard asymptotic distributions ... Examined the short-term pass-through and the adjustment speed of those retail interest rates using a structural error correction model and tested whether the adjustment is symmetric or asymmetric...
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