quantifying risk and protecting the consumer

... brand awareness and brand image As the author said above, brand awareness means the ability created by brand with which consumer can recall and recognize in any give environment On the other hand, ... context The brand generates real value for the consumer when the brand is perceived in a differentiable, special and attractive manner from other rival brands When brand value is generated for the consumer, ... way, they can build on existing brand recognition and consumer loyalty 4.2 Protecting Brand Equity The marketing mix should focus in building and protecting brand equity For example, if the brand...

Ngày tải lên: 24/07/2013, 15:00

... fair and open markets in the UK, Europe and the world Fair, Clear and Competitive The Consumer Credit Market in the 21st Century Presented to Parliament by the Secretary of State for Trade and ... Reform 1.59 As we have the biggest and the most developed consumer credit market in the EU, the UK has the opportunity to put itself in the driving seat of reform and influence the European process ... required to include the following: • • The amount, frequency and number of repayments; • Whether the loan is secured, and on what; • 34 The APR and all the costs/charges included; if the interest rate...

Ngày tải lên: 29/03/2014, 07:20

... Africa’s risk profile 15 Conclusion and recommendations 20 © The Economist Intelligence Unit Limited 2014 Risk and reward: The Gulf’s push into African infrastructure About this research Risk and ... the Johannesburg bus system for the 2010 FIFA World Cup And South Africa, the final member of the BRICS group, has been increasingly active in the Risk and reward: The Gulf’s push into African infrastructure ... Kuwait and Saudi Arabia and four multilateral bodies: the Arab Fund for Economic and Social Development, the Arab Bank for Economic Development in Africa, the Islamic Development Bank and the OPEC...

Ngày tải lên: 04/12/2015, 00:11

... Australia, Canada and the United States Donald R Rothwell and Christopher C Joyner Canada and the Arctic marine environment The United States and the Arctic marine environment Australia and the Antarctic ... of their provisions Disregarding for a moment both their unique features and the impact of the Arctic and Southern Oceans on the global environment, their sheer size deserves closer notice The ... years.30 On the other hand, some uses of the two polar oceans are similar in nature, shipping being the most important among these; ice conditions prevail in both the Arctic and the Southern Oceans.31...

Ngày tải lên: 21/09/2012, 10:58

... slow the economy Therefore, we may conjecture that the relationship between default risk and interest rates is sensitive to some measure of where the economy is in the business cycle and/ or other ... is to analyze the empirical relationship between interest rates and default risk Moreover, the structure of the analysis focuses on understanding the dynamics within the context of risk management ... understand the relationship between credit risk, including the risk of default, migration and recovery, and interest rates Toward this goal, we analyze the relationship between interest rates and...

Ngày tải lên: 26/10/2012, 11:21

... Technology and Policy Adoption, Combating Cybercrime, Privacy and Trust Information Risk and the Economics of Security presents the latest research on the economics driving both the risks and the solutions ... or ethical standards The risk is borne by the issuing, the distributing, and the transaction archiving institutions and in general by the institutions subject to a compliance duty The activities ... is the case in several European countries), compliance risk may arise if the rules and management of the payment scheme not comply with the regulatory standards • Risk of illicit use: the risk...

Ngày tải lên: 18/10/2013, 17:15

... either of the polar regions, and have been leaders in the development of Arctic and Antarctic law and policy Australia, the chief initiator of the Antarctic Environmental Protocol, asserts the ... on the Kola Peninsula and operated in Soviet Arctic waters The Soviet military build-up at the eastern end of the Northern Sea Route also gave the northern front new prominence.32 Finally, the ... sides of the Arctic Ocean.33 The disintegration of the Soviet Union and the end of the Cold War diminished these threats 32 33 On the Northern Sea Route (NSR) in the context of vessel-source...

Ngày tải lên: 01/11/2013, 09:20

... investors is not risk and return in calendar time, but rather, risk and return as measured in intrinsic time I will identify the word risk with volatility, that is, with the annualized standard deviation ... frequency-adjusted riskless rate Ri to be Ri = r νi νB (3.23) Ri is the riskless rate enhanced by the ratio of the trading frequency of the stock to that of the riskless bond In terms of these variables, ... create a portfolio V ˜ and 1−w shares of the riskless bond consisting of w shares of P B, choosing w so that V and S have the same intrinsic-time risk, and, therefore, the same intrinsic-time...

Ngày tải lên: 12/12/2013, 14:15

... a Is this project financially and economically feasible throughout the project’s life? b What are the key variables? c What are the sources of RISK? d How can the RISK be reduced Cao Hao Thi Fulbright ... Program, 2004-2005 The Appraisal of Development Expenditures Project appraisal and risk management for the public sector A IDEA AND PROJECT DEFINITION KEY QUESTIONS: a Where is the demand? b is this ... Program, 2004-2005 The Appraisal of Development Expenditures Project appraisal and risk management for the public sector C FEASIBILITY STUDY Focus is on improving accuracy of the key Variables...

Ngày tải lên: 20/12/2013, 18:15

... Three Theories to Explain the Three Facts Expectations theory explains the first two facts but not the third Segmented markets theory explains fact three but not the first two Liquidity premium theory ... pay off the face value – Canadian government bonds are considered default free • Risk premium - the spread between the interest rates on bonds with default risk and bonds without default risk Response ... Risk and Term Structure of Interest Rates • The risk structure of interest rates looks at bonds with the same term to maturity and different interest rates • The term structure...

Ngày tải lên: 05/01/2014, 16:56

... India, east Africa, the islands of the Caribbean and other places around the globe They provide habitat for fish and shellfish and nursery areas to the larger ocean, and perform important physical ... be increasing, and there is evidence that the rate of infection is proportional to both the amount of time swimmers are exposed and the levels of pollution in the waters where they swim.60 According ... missed the high concentrations present in the sedimentary materials of the river bottom Storm events and increases in river turbulence and flow rates resuspend the bacteria and effectively move them...

Ngày tải lên: 17/02/2014, 10:20

... advances in technologies and operational practices What will the risk results show? ► ► ► ► The CAA requires us to determine the highest risk or the Maximum Individual Risk (MIR) expressed as ... ecosystems and wildlife, climate change health risk to sensitive populations 18 Basics of Risk and Technology Review ► Risk Review ► CAA Section 112 (f)(2) requires EPA to review the MACT standard ... represents the highest excess cancer risk for a p g receptor from the refinery source category with a 70 year period exposure period taking into account the distance from the refinery to the receptor and...

Ngày tải lên: 05/03/2014, 11:20

Ngày tải lên: 06/03/2014, 08:20

... organized, and it outlines the global reach of the ills both cause It outlines the similarities and the differences in the motivations of the two groups, and it looks at the variety of ways they find ... in, whom they partner with, and how they manage their product lines and respond to market demands The logic of the market, then, explains much criminal behavior and provides insights into the intersection ... SAFETY AND JUSTICE PROGRAM and the GLOBAL RISK AND SECURITY CENTER This research was conducted jointly under the auspices of the Safety and Justice Program within R AND Infrastructure, Safety, and...

Ngày tải lên: 06/03/2014, 14:21

... a measure of the country and global risk premium If both the CDS and bond spreads are prices for the same credit risk, the effect of the country-specific and global -risk premia on the basis should ... investors in the CDS market after such agreements On the other hand, the level of funding costs and the volume of sovereign debt purchased by the ECB worsens the efficiency of the bond market in the price-discovery ... and zero before then One might expect that the higher the counterparty risk, the lower the power of the CDS market to adequately reflect the credit risk due to the lower quality of the protection...

Ngày tải lên: 15/03/2014, 07:20

... keep pumping out the cash, then the music industry will keep producing the vulgar and obscene records This causes the industry to be run by bad mouthed money makers Another band that relies heavily ... seems to me that these are the types of bands that are much happier making music and not just making money Gimmicks stand for failure within music and disaster for any decent and talented musician ... is that since time began they have always wanted something there to grab hold of and to call their own I think that some bands that I consider gimmick bands try to give the kids something to take...

Ngày tải lên: 21/03/2014, 22:53

... seems to me that these are the types of bands that are much happier making music and not just making money Gimmicks stand for failure within music and disaster for any decent and talented musician ... is that since time began they have always wanted something there to grab hold of and to call their own I think that some bands that I consider gimmick bands try to give the kids something to take ... those gimmicks by poking fun at the very heart of all that they stand for, but there are also bands that are strictly about making music It doesn't matter if you like their music or not This decision...

Ngày tải lên: 21/03/2014, 22:53

... -11.7* * The mean and standard deviation correspond to the sample values The numbers in the parentheses stand for the t-ratios The Sharpe ratio is calculated by diving the sample mean by the sample ... DW stands for the Durbin-Watson statistic The numbers in the parentheses below the point estimates stand for the t-ratios Adj R2 stands for the adjusted coefficient of determination The hypotheses ... portfolios In other words, the analysis on the one hand has the drawback that noise is not 'averaged out', but on the other hand allows the evaluation of interest rate risk on the micro level...

Ngày tải lên: 22/03/2014, 17:20