... relatively less mobile under unit banking The return on uninformed capital is exogenous and equal across states in either regime That makes sense in the United States, where savers have access to a ... was laid BANK INTEGRATION AND B USINESS VOLATILITY IN U. S STATES The United States once had essentially fifty little banking systems, one per state The U. S banking system is now much more national, ... however, has been stabilizing in the United States Morgan, Rime, and Strahan find that volatility within states falls substantially as integration with out-of-state banks increases Given the useful parallels...
Ngày tải lên: 16/02/2014, 10:20
... legislation that cut into the company s margins by reducing lender subsidies and decreasing interest rates for students, and in September 2007, it was signed into law by President Bush The Rise ... according to Harvard professor Elizabeth Warren These powers included wage, Social Security, and disability garnishment, as well as tax seizure, suspension of state-issued professional licenses, and ... numbers In this book, you will see the human face of this issue that aƒects all cultures, regions, professions, and ages The Solution The current student loan system in this country works extremely...
Ngày tải lên: 30/10/2014, 16:59
GEOGRAPHIC VARIATION IN U.S. THYROID CANCER INCIDENCE, AND A CLUSTER NEAR NUCLEAR REACTORS IN NEW JERSEY, NEW YORK, AND PENNSYLVANIA potx
... cancer risk, including demographics, life style patterns, and use of medical services, should be studied as well Despite these challenges, careful attention should be paid to results in this report, ... T.B., and Norris R .S United States Nuclear Tests, July 1945 to December 1992 Washington DC: Natural Resources Defense Council, 1994 25 National Cancer Institute Estimated exposures and thyroid doses ... District of Columbia from 2001-2005, excluding only Maryland, Mississippi, Tennessee, Virginia, and Wisconsin The data base also includes county-specific data for all states, excluding the five...
Ngày tải lên: 15/03/2014, 01:20
U.S. Securities and Exchange Commission In Brief FY 2013 Congressional Justification pptx
... Measure 12 Customer satisfaction with usefulness of investor educational programs and materials Description: Through the use of focus groups and surveys, the agency will assess the usefulness ... the rulemaking divisions and other offices on possible regulatory responses The SEC also may use surveys or questionnaires to collect input from investors to assist in assessing their views on ... difficult-to-value assets in times of market stress; (c) analysis of suspicious performance returns posted by hedge fund advisers; (d) analysis of suspicious trading patterns and relationships among...
Ngày tải lên: 16/03/2014, 09:20
Zero Interest Rates and the Fall in U.S. Bank Lending pdf
... lending declined and continues to decline so far in 2009 Insofar as U. S commercial banks did slightly increase their net assets as the counterpart of the modest increase in M2, it was to buy securities ... liquid reserves against its potential retail lending opportunities.) Now suppose some upsetting event, such as a crash in home prices makes all mortgage related assets on bank balance sheets suspect ... securities such as government bonds or mortgages fully insured by the government But increased working capital for businesses, especially small and medium sized, languished despite the gargantuan...
Ngày tải lên: 22/03/2014, 17:20
Striking First - Preemptive and Preventive Attack in U.S. National Security Policy pdf
... Fund USAF U. S Air Force USAID U. S Agency for International Development USIA U. S Information Agency USSR Union of Soviet Socialist Republics WMD weapons of mass destruction WSEG Weapons Systems ... raise the possibility of striking first against targets other than terrorists or hard-to-deter states possessing or pursuing weapons of mass destruction Yet these are categories that encompass ... protection is statelessness.”14 The basis for believing that striking first may be necessary as a counterproliferation measure against rogue states centers on the perceived recklessness of such regimes:...
Ngày tải lên: 29/03/2014, 18:20
Production and Cost in the U.S. Paper and Paperboard Industry pdf
... unpriced pulp and wastepaper The study found positive but statistically insignificant substitution possibilities and contributes to the existing literature in at least three ways First, the analysis ... reality is not too complex’ (p Analyzing an industry s cost function provides information on various production and cost characteristics, including scale economies, input demands, substitution elasticities, ... 191-201 U. S Census Bureau, http://www.census.gov/econ/census02/data/industry/ Uzawa, H (1962), "Production Functions with Constant Elasticities of Substitution”, Review of Economics & Statistics,...
Ngày tải lên: 01/04/2014, 00:20
seepage analysis and control for dams - u.s. army corps of engineers - part a
... mass may be described in terms of an equivalent porous continuum, and the flow assumed to occur uniformly throughout the mass rather than within individual passageways Under these assumptions ... upper limit is usually identified using Reynolds number, a dimensionless number that expresses the ratio of internal to viscous forces during flow It is often used in fluid mechanics to distinguish ... the seepage through a dam foundation or abutment, or for determining the best route for a proposed tunnel (2) Flow Through Fissure Systems Fissure systems such as joints, fractures, and bedding...
Ngày tải lên: 28/04/2014, 11:51
seepage analysis and control for dams - u.s. army corps of engineers- part b
... excessive uplift pressures and piping through the foundation Upstream impervious blankets are used in some cases to reinforce thin spots in natural blankets Effectiveness of upstream impervious ... Considerations In alluvial valleys, frequently soils consist of fine-grained top stratum of clay, silt, and silty or clayey sand underlain by a pervious substratum of sand and gravel As stated previously, ... Engineer District, Huntington 87 ) 10-3 Beneath Spillways and Stilling Basins Adequate drainage should be provided under floor slabs for spillways and stilling basins to reduce uplift pressures...
Ngày tải lên: 28/04/2014, 11:51
báo cáo hóa học:" Health-Related Quality of Life in Parkinson disease: Correlation between Health Utilities Index III and Unified Parkinson’s Disease Rating Scale (UPDRS) in U.S. male veterans" docx
... quality of life [19], including diabetes mellitus [20], coronary artery disease [21], stroke [22] and arthritis [23] PD severity was assessed using UPDRS ADL and motor sub-scores (UPDRS II and ... “health utilities index” approach, and to assess the relationship between health utility scores and PD severity as measured using standard disease-specific tools In cross-sectional analyses, we ... ability to assess changes in UPDRS-II scores over time as these measurements were repeated infrequently Conclusions In conclusion, we sought to evaluate health-related quality of life in PD using a...
Ngày tải lên: 20/06/2014, 16:20
hendrickson - regulation and instability in u.s. commercial banking; a history of crises (2011)
... 1884 crisis 1890 crisis 1893 crisis 1907 crisis Crises summary Regulatory response to crises State deposit insurance The Federal Reserve System Assessment of regulation and stability Assessment of ... Performance and Prospects Sven Janssen BRITISH AND GERMAN BANKING STRATEGIES Kimio Kase and Tanguy Jacopin CEOs AS LEADERS AND STRATEGY DESIGNERS Explaining the Success of Spanish Banks Alexandros-Andreas ... problems this process caused Accusations of charter “selling” brought scandal to the process and those banks already in possession of a charter placed great pressure on legislatures to vote against...
Ngày tải lên: 01/11/2014, 22:58
The u s presidency and executive power in the works of thomas pynchon, philip roth and cormac mccarthy
... characteristics” Schlesinger ascribes the presidency – “unity, secrecy, decision, dispatch, superior sources of information” – would ensure its continuing potency It should also be noted that this structure, ... history These include the establishment of John F Kennedy s ‘Camelot’ in Washington, D.C and his subsequent assassination; major advances (and consequent reactions against them) in civil rights; ... Gravity s Rainbow These novels express not only disappointment in presidential leadership, but substantive misgivings about, and questioning of, the very nature of the presidency and the individuals...
Ngày tải lên: 08/11/2015, 00:06
The tragedy of love in Shakespeare’s Romeo and Juliet
... struggle ending in ruin or profound disappointment” Tragedy engages our heart and minds and helps us to understand our world Tragedies make you thing about the things that you have and cherish ... his actions of what he sense as his mission and role turn out to muddle things up in the end He believes that his mission is to make peace between the two families because he is though of as ... the responsibilities and actions required by social institutions and those required by the private desires of the individual Romeo and Juliet s appreciation of night, with its darkness and privacy,...
Ngày tải lên: 18/04/2013, 12:18
U.S. Food and Drug Administration - Juice HACCP — The Final Rule
... not binding on small and very small businesses until the dates listed in paragraphs (b)(1) and (b)(2) of this section (1) For small businesses employing fewer than 500 persons the regulations in ... or institutional processing of juice products, either in the United States or in a foreign country, including any person engaged in the processing of juice products that are intended for use in ... approach that could assist manufacturers in the production of safe juices FDA encourages the juice industry to use CGMPs to help ensure the safety of their juices As stated previously, the NACMCF...
Ngày tải lên: 25/10/2013, 21:20
Tài liệu Means-Tested Transfer Programs in the United States docx
... Existing studies of the EITC, and studies of related tax and public assistance policy changes, make use of alternative data sources and assumptions Suppose dt is defined as in equation (1) and assume ... tax refunds’ in uencing the seasonality of consumption, which in turn is consistent with the existence of liquidity-constrained consumers Consumption-related issues also arise if one steps away ... issues underlie these debates We also briefly identify issues on which future research is needed 3.2 Program History, Rules, and Goals It is not surprising that fundamental tensions in the design...
Ngày tải lên: 16/02/2014, 03:20
Tài liệu The Corporate R&D Tax Credit and U.S. Innovation and Competitiveness docx
... Credit and U. S Innovation and Competitiveness table Six industry groups dominate U. S business R&D spending U. S business R&D spending and net sales by industry groups, 2007 ($ millions) NAICS Codes ... 2008, but business R&D as a share of U. S gross domestic product has fallen behind the share in several other countries, including Japan and South Korea The U. S government supports business R&D ... foreign multinational companies, and the share of business R&D in GDP is now about the same in China as it is in some European countries So while the United States is still preeminent in business R&D...
Ngày tải lên: 16/02/2014, 03:20
Tài liệu Why Has The Cost of Navy Ships Risen - A Macroscopic Examination of the Trends in U.S. Naval Ship Costs Over the Past Several Decades doc
... its underlying reasons For example, if the increase is continuous and steady, then escalation may be due to a systemic issue such as the increase of shipbuilding input cost (e.g., greater costs ... elements the government wants on a ship, regulations it imposes for standards and requirements in shipbuilding practices, and methods it uses to purchase ships These customer-driven factors increase ... The shipbuilders also noted a diminished supplier base leading to single sources for many ship components (this is particularly acute in submarine manufacture) This shrinkage of the supplier base...
Ngày tải lên: 17/02/2014, 22:20
Tài liệu Why Has the Cost of Fixed-Wing Aircraft Risen - A Macroscopic Examination of the Trends in U.S. Military Aircraft Costs over the Past Several Decades pptx
... all systems such as avionics (electronics to control the aircraft), sensors (such as radar), other mission systems (such as electronic countermeasures, communications, targeting systems, guns, and ... programs The report also provides relationships for developing estimates of T&E costs for future programs In Software Cost Estimation and Sizing Methods, Issues and Guidelines, MG-269-AF, Shari ... BLS These include steel mill products—BLS Series ID WPU1017 aluminum sheet, plate, and foil manufacture—BLS Series ID PCU331315331315 titanium mill shapes—BLS Series ID WPU102505 thermosetting...
Ngày tải lên: 17/02/2014, 23:20