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Banks’ regulatory capital buffer and the business cycle: evidence for German savings and cooperative banks pot

Ngày tải lên : 15/03/2014, 09:20

... over the business cycle The fluctuation is stronger for savings banks than for cooperative banks, as, for savings banks, risk-weighted assets fluctuate more strongly with the business cycle Further, ... we stop and take the last specification, which then has the highest p-value for the Hansen test To further reduce the problem of biased estimates, we combine the columns of the optimal instrument ... is unity for an acquiring bank in the year before the merger and zero otherwise dySB is unity if the bank is a savings bank and zero otherwise (cooperative bank) In order to account for the unit...

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REAL WAGES AND THE BUSINESS CYCLE: ACCOUNTING FOR WORKER AND FIRM HETEROGENEITY potx

Ngày tải lên : 15/03/2014, 22:20

... the Business Cycle Here we examine the extent to which contractual wages, on the one hand, and firm-specific wage arrangements, in the form of the wage cushion, on the other, are sensitive to the ... containing the estimates of the αs On the other hand, if the least squares solution for β were known, we could easily obtain least squares estimates for the α The normal equations show that these ... at the aggregate level In particular, they have ignored the changes in the composition of the workforce over the cycle The presence of compositional effects has attracted much attention in the...

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The Business Case for a Healthy Workplace potx

Ngày tải lên : 15/03/2014, 20:20

... discuss the business case” for a healthy workplace, they put a strong emphasis on the financial aspects Therefore this article will devote more space to the first strategic driver than the others ... strategic driver than the others In the end, the other two also contribute to the financial status and viability of the organization The Business Case for a Healthy Workplace © IAPA (Industrial Accident ... for years about the “social exhaust” that companies spew out into society.56 Workers enter the workplace and then leave at the end of their shifts either better or worse for their experience...

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CHECK YOUR VOCABULARY FOR ENGLISH FOR THE EXAMINATION a WORKBOOK FOR STUDENTS

Ngày tải lên : 17/08/2013, 10:00

... Colloquial English Vocabulary for English: FCE Vocabulary for English: IELTS Vocabulary for English: PET Vocabulary for English: TOEFL Vocabulary for Hotels, Tourism, Catering Vocabulary for Law ... to change the form of some of the words The queues for the embassy were so long they the street all the way down "What you think you're doing?" he angrily The government decided that the best ... /shortly before the conflict began, the army pulled down the border posts • The minister spoke about the need for political reform channel /canal The television received a formal complaint about the...

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Revision for the 1st English Exam

Ngày tải lên : 24/10/2013, 19:11

... No, no problem II Complete the following sentences: I'll give you a lift if _ It is the first time I _ If Susan hadn’t been sick, _ The teacher advised us ... hadn’t been sick, _ The teacher advised us It's raining and they can't go camping in the mountain If it were fine, _ I often lend him my computer, so he thanks...

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Exploring the textbook english for life in teaching english speaking to adult beginners = khai thác giáo trình english for life để dạy nói tiếng anh cho người lớn ở trình độ sơ cấp luận văn thạc sĩ giáo dục học

Ngày tải lên : 20/12/2013, 18:25

... carefully by the training office They are experienced in teaching English for over two years Currently, there are four training courses for Super Kids, English for children, English for teenagers ... resources, and the appropriateness of methods: - The role of English in the country: the role of English in the country relates to linguistic environment, and to whether English is spoken in the community ... heard - The role of English in the school and its place in the curriculum - The teachers: their status, both at national and institutional levels, their training, mother tongue, attitudes to their...

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Some suggested activities for teaching and learning the writing sections in the textbook english 10

Ngày tải lên : 20/12/2013, 18:33

... texts for some conventions; for example, the salutations and standard phrases used in formal letters When the 15 students finish their first drafts, they can correct and improve the drafts Then the ... majority of the informants (78%) is that the requirements of the tasks are difficult, which demotivate them Besides, 54% of the students have trouble in finding the ideas for the writing 28% of the students ... upper-secondary school All of the informants have the same time of learning English of five years; and they have already completed the syllabus of English with the new series of English textbook from...

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A CASE STUDY ON COMMON PROBLEMS IN LEARNING BUSINESS ENGLISH VOCABUALRY IN THE BOOK “BUSINESS BASICS” FACED BY THE 1ST YEAR STUDENTS AT VIETNAM UNIVERSITY OF COMMERCE, AND SOME SUGGESTED SOLUTIONS

Ngày tải lên : 29/01/2014, 00:23

... first part introduces the rationale for the study carried out by the researcher, the aims of the study, the scope of the study, and the method by which the study was conducted The second part is ... description of the subjects, the instruments, and procedures employed for the study: 4.1 The subjects There are two types of subjects participating in the study The first type is the first year ... express these topics, plus words in the general English I.3.2 The teaching of Business English Vocabulary The teaching of vocabulary in ESP follows similar general principles to those in English for...

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LISTENING DIFFICULTIES PERCEIVED BY TEACHERS AND STUDENTS IN USING THE NEW ENGLISH TEXTBOOK FOR GRADE 10 AT QUE VO II UPPER SECONDARY SCHOOL IN BAC NINH

Ngày tải lên : 05/02/2014, 22:02

... of the text as they can recall, they generally 17 remember some bits of the text and forget others By and large, they can not fulfill the tasks if they focus on linguistic items rather than the ... This helps them take the information or whatever they have produced in the previous stage, and other meaningful activities There are two common forms that post-listening tasks can take They are ... observation 19 To gain data for the study, two survey questionnaires were administered to the subjects One was designed for non -English majors and the other for the teachers Some open-ended...

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Tài liệu Hospital English: the Brilliant learning workbook for international nurses ppt

Ngày tải lên : 16/02/2014, 22:20

... new knowledge – these are the pluses Other things about your new workplace you may still feel uncomfortable about – these are the minuses 1.7.a On the table on page 31 – list the pluses and minuses ... we can: • make the word slightly louder • take more time for the vowel sound • lower or raise the pitch of the word anything to make the word stand out from the others Try saying the sentence aloud ... style (if the word is very formal or slang) technical or non-technical if it’s British or American English any or all of the above if you think they are important What other use is there for My...

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Tài liệu Making the Business Case for Software Assurance pptx

Ngày tải lên : 18/02/2014, 00:20

... on the informal Business Case Team, the authors of articles on Business Case on the Build Security In website, and the speakers and participants in our workshop “Making the Business Case for ... to make the business case for software assurance This effort included informal and formal collaboration, a workshop on the topic, and development of this report “Making the Business Case for Software ... for each impact level For example, X X The probability assigned for each threat likelihood level is 1.0 for high, 0.5 for medium, 0.1 for low The value assigned for each impact level is 100 for...

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Tài liệu EFFECTIVE POLICIES FOR SMALL BUSINESS: A GUIDE FOR THE POLICY REVIEW PROCESS AND STRATEGIC PLANS FOR MICRO, SMALL AND MEDIUM ENTERPRISE DEVELOPMENT pptx

Ngày tải lên : 18/02/2014, 00:20

... growth of the informal economy There are various models for monitoring Annex among others lists documents on the work of the US Office of Advocacy in the Small Business Administration and the Business ... the firm’s owners and managers To maximise the full benefits of small business in the economy policy makers must therefore review performance in partnership with the private sector, improve the ... open forum for policy dialogue among OECD members, non-members and other stakeholders worldwide This forum provides them with a platform for exchanging their expertise and experience in meeting the...

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Tài liệu Special RepoRt The Dynamics of Public Trust in Business— Emerging Opportunities for Leaders ppt

Ngày tải lên : 18/02/2014, 00:20

... that the trend may result from businesses making social good a part of how they conduct their businesses Importantly, this report also formally launches the Project on Public Trust in Business (the ... customer pays the amount listed on the menu for the items ordered and the waiter expects to receive a tip In the process of the transaction, however, the owner and waiter risk the possibility ... opportunities for leaders to create value And we conclude with a proposal for further actions This is not the first foray into the topic of trust by either organization Since its founding in 2004, the...

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PONTIFICAL COUNCIL FOR JUSTICE AND PEACE: VOCATION OF THE BUSINESS LEADER docx

Ngày tải lên : 06/03/2014, 21:20

... serve the needs of others which, in turn, supports the development of the people who the work The tasks they perform in common bring forth the goods and services needed by a healthy community The ... God’s call ~ THE VOCATION OF THE BUSINESS LEADER 12 The many pressures business leaders face may lead them to forget the Gospel call in their daily professional activities It may seduce them to believe, ... charity, contributes to the building of the universal city of God, which is the goal of the history of the human family”.62 When the Gospel informs the “new things” which the business leader faces...

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Beyond the Business Cycle: The Need for a Technology-Based Growth Strategy potx

Ngày tải lên : 08/03/2014, 16:20

... fueled the reincarnation of past populist movements in the form of the Tea Party As in past major economic crises, these movements arise based on the view that the problem is government and the ... qualify for food stamps, but for various reasons they did not apply for them 16 The Federal Reserve Board in November 2010, after over two years of aggressive U.S fiscal and monetary policy and in the ... the foreign content of Boeing’s new 787 Dreamliner is 90 percent.28 Yet, while these indicators imply the need for a crisis approach to education reform and much more investment in worker retraining,...

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A Beginner’s Guide to Network Security: An Introduction to the Key Security Issues for the E-Business Economy doc

Ngày tải lên : 14/03/2014, 22:20

... morale Legislation is another force that drives the need for network security Governments recognize both the importance of the Internet and the fact that substantial portions of the world’s economic ... Despite the costly risks of potential security breaches, the Internet can be one of the safest means by which to conduct business For example, giving credit card information to a telemarketer over the ... available in versions suitable for home use The ﬁrewall creates a protective layer between the network and the outside world In effect, the ﬁrewall replicates the network at the point of entry so that...

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Marketing in the Age of Google : Your Online Strategy IS Your Business Strategy

Ngày tải lên : 17/03/2014, 21:33

... and business strategy intertwine The customers are the same Their needs are the same What compels them is the same What you as a business owner want them to is the same General Trends How is the ... it’s vital for a business to rank well in search results both for their brand name and for queries relevant to the business But integrating ofﬂine and online marketing is only half the story It’s ... socks?’’) and the order in which the ads appear is based on a number of factors including the amount the advertiser is willing to pay for each click, the relevance of the ad to the query, and the quality...

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Bridging the Gap: THE BUSINESS CASE FOR FINANCIAL CAPABILITY potx

Ngày tải lên : 23/03/2014, 02:20

... focused models— to determine whether there exists a cost recovery rationale, and therefore a business case, for any of them ● PRINT TOC CLOSE ‹ BRIDGING THE GAP › CHAPTER A BUSINESS CASE ANALYSIS Next, ... whether there exists a cost recovery rationale, and therefore a business case, for any of them Specifically, we examine two group-based models briefly introduced in the last chapter—induction training ... known about whether the curriculum and training sessions are directly responsible for behavior change over the longer term or the extent of the changed behavior they promote.82 Further evaluation...

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The Field Behind the Screen: Using Netnography For Marketing Research in Online Communities pptx

Ngày tải lên : 23/03/2014, 03:20

... particular online forums appropriate to the types of questions that are of interest to them Secondly, they must learn as much as possible about the forums, the groups, and the individual participants they ... analytical efforts for the primarily informational and primarily ontopic messages The posters of online messages may also be categorized Some novel categories for classifying them based on their level ... Mapping the Paths of Desire The key to these descriptions is not merely their specifics (although these are of course equally important to consumers and the marketers who seek to serve them) but the...

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BUSINESS ENGLISH & LETTER WRITING STUDY GUIDE FOR MODULE ONE pptx

Ngày tải lên : 24/03/2014, 19:20

... on the sheet of paper, that is, that there is more or less the same amount of “blank” space between the bottom of the letterhead and the start of the text, and between the end of the text and the ... look at the third letter of the words The third letter of the word label is a b The third letter of the word labour is a b also We must then look at the fourth letter The fourth letter of the word ... e The fourth letter of the word labour is an o If you have memorised the order of the letters in the English Alphabet, you will know that e comes before o, and therefore label will come before...

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