individual and sole proprietor borrowers

... systems, and on the other hand, the differing ratios of other African and Indigenous influences in both Cuba and Brazil (Sturm 1977) While most scholars and musicians recognize the musical and ritual ... freedom to explore hand percussion in addition to my classical percussion education My final and deepest thanks are extended to my family: Mom and Dad, Margaret and Joe, my sisters and brothers, Granma ... between iyá and voices 69 “Iya nko tá” – Comparison between itótele, iyá and voices 70 “Fomalokete” – Toque and words 71 “Fomalokete” – Song (words and melody) and batá toque...

Ngày tải lên: 16/03/2014, 14:20

... events and among disaster workers may foster better understanding of the traumatic experience and group cohesion This may decrease individual isolation and stigma, and facilitate identification of individuals ... disasters and terrorism: Effects of contamination on individuals 13 Responses of individuals and groups to consequences of technological disasters and radiation exposure 209 Lars Weisaeth and Arnfinn ... the media, organize and anticipate future needs and on and on and on No task was too heroic or too mundane and, ignoring pre-established job descriptions, we tackled each and every one with...

Ngày tải lên: 29/03/2014, 00:21

... Khorana, Servaes, and Wedge (2007)), of the fund’s corporate governance (Cremers et al (2006)), and of the fund family (Nanda, Wang, and Zheng (2004)) Understanding whether, how, and to what extent ... risk-free rate, and SMBt , HMLt , and UMDt are returns on the size, value, and momentum factor mimicking portfolios, respectively Our monthly Fama and French (1992, 1993) size and value factor ... decisions made by individual and institutional investors, and likewise to compare fund buying and selling decisions While institutions should benefit from both better information and more sophisticated...

Ngày tải lên: 30/03/2014, 12:20

... reading of the manuscript and Bärbel Ukena, Ulrike Körner, and Ildiko Toth for excellent technical assistance We are grateful to Andreas Roth, Rando Winter, Renée Fuhrmann, and Rudolf-Albrecht Venbrocks ... affected pathways (and the respective genes) reported here may provide the basis for further analyses of the RA pathogenesis and the differences between RA and OA on a cellular and molecular level ... the development and progression of RA Monocytes/macrophages, dendritic cells, T and B cells, endothelial cells, and synovial fibroblasts are major components of the pannus [2-8] and participate...

Ngày tải lên: 09/08/2014, 10:23

... formalization, and organizational and service system factors (e.g., characteristics and style of the leadership, attitude toward the intervention, and administrative and financial support and resources ... sun safety and/ or skin cancer prevention programs, and sun safety environments and policies In the third step, random coefficient models (i.e., both level intercept and slope vary randomly across ... in deviance and AIC values comparing the final random intercept model and the model with random coefficient for sun protective norms and age both indicated that the inclusion of the random effects...

Ngày tải lên: 10/08/2014, 10:22

... results not support the results of Sandmark and colleagues [25] and of Elsner and colleagues [28] Symptomatic knee OA and individual factors Symptomatic knee OA and body mass index Of all the factors ... between 25 and 75 years, place of residence in the defined vicinity of the participating hospitals, and linguistic and cognitive ability to understand and fill out the questionnaire and to provide ... contributions AK, HG, BB, and MAR conceived and designed the study, AK and MAR prepared the manuscript In addition, EQP, WC, LVvE, MS, and AD were involved in the execution of the study and the writing...

Ngày tải lên: 12/08/2014, 12:20

... recreational and competitive athletes, and, though rare, may also occur in sedentary individuals The actual prevalence in each tendon is variable and highly dependent on the individual s activity type and ... hydrophilic molecules and are typically located within and between collagen fibrils and fibers [26] Because of their charge, proteoglycans are stiff and resistant to compressive and tensile forces ... I, II, and III collagen; gelatinases, which cleave type IV 20 and denatured collagens; stromelysins, which degrade proteoglycans, fibronectin, casein, and types III, IV, and V collage; and membrane-type...

Ngày tải lên: 24/08/2014, 09:15

... Regulation and Consequences Individual and Group Differences in Usage of Reappraisal and Suppression Culture Shapes the Relationship between Emotion Regulation Strategies and Consequences Chinese and ... Ethnicity, and Condition on CVR Means and (SD) of Self-rated Positive Composite Scores by Ethnicity and Condition and Time Means for Demographic Variables by Gender and Ethnicity Means and SD of ... Expression By Ethnicity Means and (SD) of Demographic Information by Ethnicity Means and (SDs) of CVR by Ethnicity and Condition Means and (SD) of Self-reported Reappraisal and Suppression Usage Effects...

Ngày tải lên: 10/09/2015, 15:51

... will be discussed, and the specific design and implications relative to this research will be emphasized Individual and Group Differences in Usage of Reappraisal and Suppression Individuals differ ... strategy and its consequences Chinese and Indians Traditional Chinese and Indian societies are hierarchically organized and patriarchal in nature, and both cultures are predominantly interdependent and ... & Tong, 2008), and its reliability and validity have been established The current study focused on reappraisal and suppression and used the ERQ as one of the main measurements, and also extended...

Ngày tải lên: 10/09/2015, 15:51

... the curve Chapter Slide Individual Demand The Individual Demand Curve The Individual Demand Curve  Two Important Properties of Demand Curves 2) At every point on the demand curve, the consumer ... Discussed  Individual Demand  Income and Substitution Effects  Market Demand  Consumer Surplus  Network Externalities  Empirical Estimation of Demand Chapter Slide Individual Demand  Price ... Chapter Food (units per month) Slide Individual Demand The Individual Demand Curve The Individual Demand Curve  Two Important Properties of Demand Curves 1) The level of utility that can be attained...

Ngày tải lên: 26/09/2015, 15:07

... confrontation and debate Possesses all-round leadership characteristics Has the features of a high profile manager Forthright and a determined individual Someone with the energy and drive to overcome ... drive and courage to overcome obstacles Prone to provocation Liable to offend others Monitor Evaluator Serious minded, strategic and discerning Sees all options Judges accurately Can lack drive and ... drive and courage to overcome obstacles Prone to provocation Liable to offend others Monitor Evaluator Serious minded, strategic and discerning Sees all options Judges accurately Can lack drive and...

Ngày tải lên: 20/12/2013, 19:15

... parotid gland, and is located below the parotid gland It is of the ear The gland spreads over the rear edge of the lower jaw and in contact with the lower end of the parotid The mandibular gland of ... The mandibular gland is a separate, elongated gland that lies The parotid gland is a soft, sponge-like form sitting in the hollow along the rear edge of the parotid gland in the ox In the dog and ... of the upper lip, and into the buccinator muscle • Action: Horse and ox: Lifts the upper lip and dilates the nostril Dog and feline: Lifts the upper lip, exposing the canines, and wrinkles the...

Ngày tải lên: 24/12/2013, 02:18

Ngày tải lên: 24/12/2013, 06:17

... and problems 17-26 xni XÎV FOREWORD TO TEACHERS Pages 32-51 and relative questions and problems 1-10 Pages 52-63 and relative questions and problems 11-25 Pages 63-74 and relative questions and ... source, by X, and the following equations stand forth: X= c ( 1R R ) andD~¿ ~ R Some cash might be lost as a result of rising prices and a consequent increased demand for hand to hand money 40 ... flexible and adaptable to the varying desires and views of share1 George Rae, The Country Banker, John Murray, London, 1885, p 253 Interviews on the Banking and Currency Systems of England, Scotland,...

Ngày tải lên: 15/02/2014, 01:20

... north and northwest (3) Asia Kurile Islands, south of latitude 50°N (4) Islands (a) Iceland (b) Bear Island (c) Falkland Islands, South Georgia, South Sandwich, Kerguelen and all other islands ... longitudes 117°E and 121°E, and area in southeast generally south of latitude 37°S including Tasmania (b) New Zealand (c) Chatham Island, Stewart Island, and other islands in the Pacific and Indian ... 22°S (n) Cape Verde Islands and other Atlantic Ocean islands generally between latitudes 15°S and 20°N, and east of longitude 30°W (5) Australia and islands of Indian and Pacific Oceans (a) Australia,...

Ngày tải lên: 21/02/2014, 09:20

... DIGNITY AND WORTH OF THE INDIVIDUAL PERSONAL INVIOLABILITY AND LIBERTY 219 A Dignity and Worth of the Individual 219 B Personal Inviolability and ... sovereign power over individuals and entities within the relevant jurisdiction—this involves the power to create and enforce a legal code, both civil and criminal; second, the demand for recognition ... promotion and protection of the Washington state apple industry and composed of 13 state growers and dealers chosen from electoral districts by their fellow growers and dealers, all of whom by mandatory...

Ngày tải lên: 07/03/2014, 02:20

... understood, operational expense — Fund and account information provided by phone and the Internet — Printing and mailing of fund reports, prospectuses, and account statements Because the cost ... pricing and execution Nor are there any solid price-discovery methods on which to base investment decisions As a result, to be successful in this market requires deep knowledge, understanding, and ... advantages of municipal bond funds compared with individual municipal bonds Individual municipal bonds (professionally managed separate accounts and self-directed accounts) Municipal bond funds...

Ngày tải lên: 15/03/2014, 03:20

... uncovers and challenges culturally based assumptions and stereotypes and unresolved culturally based conflicts; and (4) assist counselor and therapy students and supervisees to understand how ... specific time and place For example, the abstract concepts of culture and society both inform individual and collective development and are influenced by the actions of individuals and groups In ... constant support, editing, and encouragement It has been a delight to know and work with Sandra Rigazio-DiGilio these past years and learn from and with her Kara Kunkler-Peck and Lois Grady have been...

Ngày tải lên: 15/03/2014, 04:20

... RAND, MR-1731-SF, 2003 This study was conducted within RAND’s Public Safety and Justice program RAND Public Safety and Justice conducts research and analysis that helps inform policymakers and ... study that RAND conducted, under the sponsorship of the Alfred P Sloan Foundation, and is fully reported in Individual Preparedness and Response to Chemical, Radiological, Nuclear, and Biological ... program ISBN: 0-8330-3487-1 RAND is a nonprofit institution that helps improve policy and decisionmaking through research and analysis RAND ® is a registered trademark RAND’s publications not necessarily...

Ngày tải lên: 15/03/2014, 15:20

... Elements of Individual Difference Characteristics Elements of Individual Characteristics • determinants of individual characteristics: Heredity and Environment – Heredity: consist of individuals’ ... challenge them and push them to their limits Individual Characteristics and Behaviors Leaders’ Individual Characteristics and Leader Behaviors Kirkpatrick and Locke (1991) list a number of traits ... include motivation and energy Desire and motivation to lead Honesty and integrity Self-confidence Intelligence Knowledge of the business Leaders’ Individual Characteristics and Leader Behaviors...

Ngày tải lên: 19/03/2014, 21:20