asking for clarification and asking for more details
Tài liệu Increased Complexity in Rates and Fees Heightens Need for More Effective Disclosures to Consumers docx
... Fair Credit and Charge Card Disclosure Act, Pub L No 100-583, 102 Stat 2960 (1988), which amended TILA to provide for more detailed and uniform disclosures of rates and other cost information in ... between 1992 and 2003 and that there was little change in adults' ability to read and understand sentences and paragraphs 50 U.S Securities and Exchange Commission, Plain English Handbook: How ... popular cards and other information indicates that cardholders could be charged • up to three different interest rates for different transactions, such as one rate for purchases and another for cash...
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Basel III: A global regulatory framework for more resilient banks and banking systems pot
... following formula: 36 35 This derivation assumes positive marginal default probabilities before and after time bucket ti and is valid for i
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Global Health in Medical Education: A Call for More Training and Opportunities pptx
... aspects of medicine and understanding medical resources and care in a developing country will prepare future physicians to have a more complete understanding of health and medicine and will encourage ... Framework Programs for Global Health provides support for NIH-funded U.S and foreign institutions to help develop multidisciplinary curricula in global health and encourages faculty and students from ... global health projects Furthermore, many of these schools and their affiliated hospitals have formed partnerships with foreign institutions, and some schools have funding for bidirectional exchange...
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Laugh and Learn: 95 Ways to Use Humor for More Effective Teaching and Training
... laugh and learn 95 ways to use humor for more effective teaching and training This Page Intentionally Left Blank laugh and learn 95 ways to use humor for more effective teaching and training ... techniques ever for retrieval of information: rhyme, rhythm, and music Think of the rhyming, rhythmic way you learned that “Thirty days hath September, April, June, and November” and “I before E, except ... 255 acknowledgments First and foremost, thanks to Eric Jensen for talking me into writing this book way back in 1997, and for his continued assistance as it was being written...
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business and technology strategies for more-profitable customer relationships - vision for crm
... quote.requests@gartner.com for approval Key Issues What is the value of CRM to enterprises, and what drivers are continuing to force its acceptance? How will organizations develop and implement a business vision for ... mutually reinforcing processes Poor-quality customer data and information Little coordination of multiple departmental initiatives and projects Creating the CRM team is left to last and lacks business ... Guiding Principles for Successful CRM Extend breadth and depth of relationships Leverage and enhance brand equity Touchpoints Value Network Minimize transaction barriers and lower costs...
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For more material and information, please visit Tai Lieu Du Hoc at www.tailieuduhoc.org.NTC’S doc
... American IDIOMS Dictionary For more material and information, please visit Tai Lieu Du Hoc at www.tailieuduhoc.org This page intentionally left blank For more material and information, please visit ... 447 621 For more material and information, please visit Tai Lieu Du Hoc at www.tailieuduhoc.org McGraw-Hill's Terms of Use This page intentionally left blank For more material and information, ... articles—a, an, and the—are not alphabetized and appear in a different typeface in the entry In the entry heads, the words someone or one stand for persons, and something stands for things These and other...
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Báo cáo y học: "Figuring out what works: a need for more and better studies on the relationship between ICU organization and outcomes" potx
... every aspect of what we and how we it is a candidate for study and change [12]; this list includes the training and organization of intensivists With a virtual absence of information relating ICU ... doi:10.1186/cc8843 Cite this article as: Garland A: Figuring out what works: a need for more and better studies on the relationship between ICU organization and outcomes Critical Care 2010, 14:108 ... are difficult to perform, get funded, and get published The impediments to doing randomized controlled studies of organizational change in ICUs are commonly insurmountable This and other practical...
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HIDDEN COST REDUCTIONS IN BANK MERGERS: ACCOUNTING FOR MORE PRODUCTIVE BANKS docx
... Operating Costs (CROC) for the ith bank merger as: [X Ai - X PEER] - [X Bi - X PEER] A B where subscript A stands for after-merger and subscript B stands for before-merger The four performance variables ... performance variable before and after the merger For the merged bank and its predecessor banks, the absolute performance measures (Xi) are the eight-quarter mean of the performance variable before ... variable before and after the merger quarter.4 Subtracting the absolute performance of the peer group from that of the merged bank produces the relative performance of the merged bank before and after...
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Báo cáo hóa học: " Tula hantavirus isolate with the full-length ORF for nonstructural protein NSs survives for more consequent passages in interferon-competent cells than the isolate having truncated NSs ORF" pptx
... authors read and approved the final manuscript Acknowledgements Olli Vapalahti is thanked for providing the virus titration protocol and Satu Kurkela for help in virus titrations Rick Randall and Dan ... TULV/Lodz and TULV/Moravia isolates After 14 days fresh Vero E6 cells were infected with a part of the supernatant and again new supernatant was collected and used in infection (for details, see ... [2] Both nonpathogenic hantaviruses (e.g TULV and Prospect Hill virus) and pathogenic ones (e.g Sin Nombre virus (SNV) and Andes virus) have NSs ORF, and presumably produce the NSs protein Thus...
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Báo cáo y học: "Informed consent: time for more transparency" ppsx
... verbatim openness of the drug protocols at this time This can be understandable What is not understandable is why the informed consent forms, basically the translation of what the protocol dictates to ... this is a very limited and short-term public availability and thus a very limited and short-term transparency What needs to be done is to make this transparency widespread and permanent, thus greatly ... could easily review the initial informed consent form as given to the potential trial participants (or forms in case of multicenter trials due to separate local IRBs) and any amendments thereafter...
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Báo cáo y học: "Combinatorial RNA interference in Caenorhabditis elegans reveals that redundancy between gene duplicates can be maintained for more than 80 million years of evolution" pdf
... added for hour at 37°C before cultures were spun down at 3500 rpm for and finally resuspended in 400 µl of NGM (nematode growth medium) with 100 µg/ml ampicillin and mmol/l IPTG Finally, 10 (for ... We thank Matthew Hurles for advice, Christian Söllner and Michelle Teng for comments on the manuscript, and the C elegans Genetics Center for providing worm strains JT and AGF are funded by the ... W08G11.4), and transcription factors (for example, elt-6 + egl-18) to polyadenylate-binding proteins (for example, pab-1 + pab-2; Table 5) Duplicated genes can maintain redundant functions for more...
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always room for more social studies
... mechanical, including photocopy, recording, or any information storage and retrieval system, without permission in writing from the publisher Requests for permission to make copies of any part of the ... should be addressed to School Permissions and Copyrights, Harcourt, Inc., 6277 Sea Harbor Drive, Orlando, Florida 32887–6777 Fax: 407-345-2418 HARCOURT and the Harcourt Logo are trademarks of Harcourt, ... retains title to the materials and they may not be resold Resale of examination copies is strictly prohibited and is illegal Possession of this publication in print format does not entitle users...
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Mẫu CV xin việc bằng doc 211 ready for more
... (2007-2009) Specialization: Human Resource Management and Marketing BACHELOR OF BUSINESS MANAGEMENT (B.B.M) Oxford College of Business Management, Orlando University (2003-2006) Specialization: Marketing ... procrastinate high-payoff content without backward-compatible data Quickly cultivate optimal processes and tactical architectures Completely iterate covalent strategic theme areas via accurate emarkets ... Wholesale, 2005 to 2009 Credibly innovate granular internal or "organic" sources whereas high standards in web-readiness Energistically scale future-proof core competencies vis-a-vis impactful...
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Integrating DNA sequence features for more accurate prediction of replication origins in some double stranded DNA viral genomes
... analyzed 4.1 AUC values and their standard errors (s.e.) of GLMs and GAMs with the same explanatory variables 70 4.2 The AUC values and their standard error (s.e) for various Generalized ... IT support personnel Ms Yvonne Chow and Mr Zhang Rong for advice and assistance in computing I warmly thank Dr Chew Soon Huat, David for his valuable advice and friendly help His extensive discussions ... very helpful for this study It is a great pleasure to thank my friendly colleagues Mr Loke Chok Kang for much help learning computer software, and Dr Wang Xiaoying and Dr Zhao Jingyuan for useful...
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Arsenic pollution of groundwater in Vietnam exacerbated by deep aquifer exploitation for more than a century
... deposits, other and pre-Holocene deposits, as well as percentages of silt, clay, and sand in both the topsoil (0–30 cm) and subsoil (30–100 cm) and coarse, medium, and fine soil textures For information ... Phu and Bui Hong Nhat for excellent support with groundwater sampling, M Langmeier and R Illi for anion analyses, A Ammann and D Kistler for assistance in ICP analyses, Luis Rodriguez-Lado for ... derived (Fig 1F and Fig S3) and 36 geological maps were constructed for specific depths: m depth intervals for depths of 0–50 m below sea level (b.s.l.) and 10 m depth intervals for depths of 50–100...
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DSpace at VNU: A multilevel analytical framework for more-effective governance in human-natural systems: A case study of marine protected areas in Vietnam
... economic, political, and cultural factors should be viewed as both consequences and forces of the process of institutional change and governance performance On the one hand, creation and maintenance ... be accountable and transparent information-sharing dialogues and reciprocity mechanisms for all stakeholders and actors to communicate and be actively involved in deliberations for the development ... customary regulations, laws and technical possibilities (Kooiman, 2008) It is evident that formal and informal rules supplement each other in specific cases Informal rules and social networks play...
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Báo cáo khoa học: "Query-based sentence fusion is better defined and leads to more preferred results than generic sentence fusion∗" pdf
... ranking varies for different questions To better understand this interaction, we performed a series of Friedman tests for each question (the Friedman test is a standard nonparametric test for ranked ... answers for all 20 questions Results Table gives the mean rank for the four fusion types To test for significance, we performed a repeated measures Analysis of Variance (ANOVA) with fusion type and ... benchmark for evaluating medical QA systems, where all correct answers were manually retrieved from the available text material Based on this set, we randomly selected 25 questions for which more...
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Báo cáo y học: "Anti-SSA/Ro antibodies and the heart: more than complete congenital heart block? A review of electrocardiographic and myocardial abnormalities and of treatment options" ppt
... of the fetal heart between 16 and 30 weeks of gestation, and anti-SSA/Ro antibodies were not considered pathogenic for the adult heart In support of this, Gordon and colleagues [20] did not find ... prompted the cardiologists to ask for a search for anti-SSA/Ro and anti-SSB/La antibodies in the healthy mother Both were positive Because no CHB was noticed and because the hyperechogenicity ... true prevalence of fetal first-degree CHB and to demonstrate that first-degree CHB is a marker for more advanced destruction of the conducting system, and then to show that it definitely requires...
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Báo cáo y học: "Fully-spliced HIV-1 RNAs are reverse transcribed with similar efficiencies as the genomic RNA in virions and cells, but more efficiently in AZT-treated cells" ppt
... specific for FL and FSpl cDNA and showed that FL RTion products were more abundant than "Fspl cDNA" forms NERT efficiencies (Fig 5B) were then calculated as ratios of intravirion DNA and intravirion ... and production Gene Ther 2005, 12:1089-1098 Authors' contributions LH and MM have conceived the study and analyzed data LH performed the laboratory work with ZM help, and helped in drafting and ... authors read and approved the final manuscript Acknowledgements The authors thank M Biart for the 42CD4 cell-line and laboratory members past and present, including S Maurel and F Smagulova for helpful...
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