... Checklist2assess how readable and understandable education materials are, and also evaluate how well materials stimulatelearning and motivation and whether the materials are culturally appropriate. ... 18.8. Brandes W, Furnas S, and McClellan F. Literacy, Health, andthe Law: An Exploration of the Law andthe Plight of Marginal Readers within the Health Care System: Advocating for Patients and ... understandable for patients. A few toolsare available to measure the readability of materials as well as the health literacy of the patients. Evaluating the suitability of education materials for...
... Brokersare the GlueBrokersare the gluethatbringstogether“issuers and investors”in the primary financialmarkets and “buyers and sellers”in the secondarymarkets.Ratherthan an investorhaving to findanotherinvestor to buy or sellbonds to, theygo toa brokerwhopurchasesbondsimmediately from them and takes the riskofon‐sellingthem.Iftheycan’timmediately, or don’twant to, sellthem,theywillwarehousethemuntiltheyhavefoundanotherend‐investor to sellthem to. Thisalsoworksinreverseinthattheywillalsosellbonds toan investorbeforetheyhaveactuallybought the bonds.30MerrillLynchMunicipalMasterIndexon the 11thMarch2010.31MerrillLynchUSCorporate and GovernmentMasterIndexon the 11thMarch2010.32 The UStaxationsystem is differentin a numberofwaysthanthatin the UK.Inrelation to munibondsthough,both the federal and statecandeducttax froman individual’sincome.Munibonds,aswellasbeingexempt from federaltaxareoftenexempt from statetaxif the holderresidesin the state.336.7%*(1‐40%)=4%34http://www.whitehouse.gov/assets/documents/PACE_Principles.pdf35Seesection3.4.3onassetbackedsecurities18 ... tsingilts to bothbuyers and sellers,althoughnot to otherGEMMs.Theyalsohave to maintain a reasonablemarketshare−meaningthattheyhave to actuallybuy and sellbonds(ratherthanjustmakingmarkets and nottransacting)inboth the primarygiltauctions and the secondarymarkets.As a benefit,theyare the onlymarketparticipantsthatcanbuygiltsdirectly36 A book isa trader’sportfolioofbonds.Thiswillbemadeupofbothrealbonds and derivatives.37Seesection A. 4.38 A listof the currentGEMMs is inAppendix A. 2.39 The giltissuingarmof the UKTreasury.19 ... fromthe DMO and areable to “strip” an d“reconstitute”gilts40.Theyarealsoinvited toa quarterlyDMOmeeting to discussfutureissuance and offertheiradvice tothe DMO. The DMOhastwosetsofmeetingseachquarter:oneforinvestors and oneforGEMMs,bothofwhichfollow the sameform. The DMOfirstpresentstheirviewof the market,theirexpectationsonfutureissuanceover the followingquarterin the contextof the financialyear, and anyotherpertinentdetail. The floor is thengiven tothe investors or GEM Ms,whohave theirchance to airtheirviewsonissuance,maturities and assetmix(conventional and indexlinked).Investors and GEMMscanalsomakeotherrelevantpoints.Thesearekeymeetingatwhich the DMOlearnsaboutinvestordemand.There is also an annualmeetingwith the Treasu...
... make a vessel froma lump of clay; It isthe empty space within the vessel that makes it float. Thus, while the visible has advantages, It isthe invisible that makes it useful.Lao-Tzu, Tao ... policy. They are limitations. The foundations have to be customer values and customer decisions on the distribution of their disposable income.Peter Drucker, Management Challenges for the 21stcentury.â ... Lumiknows31 From New Product to New Market Development… Management will increasingly have to be based on the assumption that neither technology nor end use isa foundation for management policy. They...
... development, organization, and appropriate and precise use of grammar and vocabulary. TOEFLđ iBT ScoresBetter information about theabilityto communicate in an academic setting.Listening. Learning. ... (organization, appropriate and precise use of grammar and vocabulary) andthe completeness and accuracy of the content. The independent writing essay is scored on the overall quality of the ... PanelUniversities and other score users who want to conduct a standard-setting panel can order a free copy of the ETSđ CD-ROM, Standard Setting Materials for the Internet-Based TOEFLđ Test, by sending an...
... Schopflocher is on a tour to Australia, India andthe Near East, and by the time this letter reaches you he may be already in your midst. The Guardian wishes your N.S .A. to arrange for him to visit all ... behalf on the N.S .A. of the Bahá’ís of Australia and New-Zealand, andto convey to you, andto your collaborators on that Assembly his grateful appreciation of the stupendous efforts you have ... for the plans you have conceived for the reception, and organisation of the work, of Martha during her visit to your shores. The community of the believers in Australia and New Zealand is making...
... Stuart and his men were written higher thanever on the honor roll, andthe whole army was ready to take off its hat to salute the cavalry. And, from that day, there was a marked change in the ... andthe reasonstherefore Why Captain Hunter failed to rally his men Having " ;a cannon handy" Grant's neglect of Federal From the Rapidan to Richmond andthe by William Meade Dame ... vegetables or sugar and coffee just bread and meat. Some days we had the bread, but no meat; some days the meat, but no bread.Two days we had nothing, neither bread nor meat and it was a solemn and...
... without major injuries andthe bee vanished. The bad news is that his insurance did not cover the entire new loan on his car and he was unable to buy another dream car. #“Being in debt isa state ... you apply a willingness to change the situation, good guidance anda plan, you can have a good chance at changing things up. You might try and fail. If you do, stop complaining and try again. ... morning and look forward tothe day with childish glee and anticipation. I’d say I feel that way most of the time because I love what I do and I’m thankful for any day I’m not dead. As far as I’m...
... designer and instructor, project manager, and facilitator, and has taken part in planning and building numerous Drupal and non-Drupal websites and web-based systems over the past 14 years. In 2005, ... data that get stored in the database. Other data get stored as well, such as the date when you created the article and your username. All these bits of data are associated with the article or ... Advantages An advantage of using an agile approach for the production of a site istheabilityto see the site come to life sooner rather than later. You can assess whether the original requirements are...
... that the cost of the iPad,either online or at another retail store, is always the same. There’s nomarkup when you purchase the iPad 2 somewhere other than an Applestore, andthe online store ... you may have WiFi and not evenknow it.iPad WiFi+3G models, on the other hand, can tap into the AT&T cellu-lar network and connect tothe Internet anywhere the iPad can receive the AT&T ... those files need, and thentriple that number. This calculation should account for the original files storage andthe potential of creating twice as many files while away from your base PC.As for...
... patience always and Adrian and Ellena for keeping me balanced. And as always, my thanks goes tothe great team at Focal Press, especially Marie Hooper, Emma Baxter, Stephanie Barrett, and Margaret ... tester for Adobe digital photography products and acts as an Adobe Ambassador for Australia and New Zealand. He isan accomplished teacher/demonstrator who, over the last 20 years, has lectured ... but the camera has no brain to tell it what is important and unimportant. It cannot discriminate and usually records too much – the unwanted detail along with the wanted. This becomes all too...
... data forspend analyses and inventory management.Extracting and Integrating Relevant DataFor the F100 spend analysis, we integrated data provided to us by the OC-ALC F100 Implementation Team ... Directorate of Transformation (USAF /A4 I) and the Deputy Assistant Secretary (Contracting) (SAF/AQC). It is part of a broader study titled “Air Force Purchasing and Supply Chain Man-agement: Support ... organizations. The first purchasing organization isthe Oklahoma City ALC,which received the F100 workload fromthe San Antonio ALC after the Base Realignment and Closure (BRAC) Commission closed the San Antonio...
... (HAQ) score, patient-scored visual ana-logue scale for pain (VASpain) and general health(VASglobal), physician's global assessment of disease activityon a five-grade scale (EVALglobal), ... co-morbidities at treatment initiationfor the infliximab andthe etanercept groups. Patients initiatingtherapy were checked for an up -to- 10-year prior history of car-diovascular diseases, any ... infliximab, etanercept, as well as adalimumab werewidely available (Figure 1). The number of biologic-naïvepatients starting adalimumab was too limited to allow mean-ingful analysis, and patients...