the european credit transfer and accumulation system and the diploma supplement

... on ECTS and the diploma supplement More information on ECTS and the diploma supplement can be found on the Europa website of the European Commission, including the ECTS users’ guide and a list ... learning outcomes and contact hours What is ECTS? The European credit transfer and accumulation system is a student-centred system based on the student workload required to achieve the objectives ... body of the institution concerned In the case of credit transfer, the learning agreement must be agreed upon by the student and the two institutions concerned before the student’s departure and must...

Ngày tải lên: 22/03/2014, 18:20

... template (C) Northern blot showing that there is no wild-type-sized psaJ mRNA (as a loading control the left hand side shows the stained and the right hand side the actual Northern blot) (D) ... from wild-type and DpsaJ plants The panel on the left is the stained gel, and the panel on the right is an immunoblot using an antibody directed against a mixture of PSI-I and PSI-J The arrow indicates ... electron transfer between the cytochrome b6f complex and PSI in vivo [35], and the absence of PSI-J may affect the koff value, so that oxidized Pc stays longer in the active site and thereby blocks...

Ngày tải lên: 16/03/2014, 11:20

... strand of theory, the credit line at the CEE subsidiaries may decline if the financial situation of the parent bank and/ or the macroeconomic conditions in the home country worsens On the other ... rapid credit growth and credit boom The financial markets of the CEE countries are heavily dominated by the banking sector and their capital markets are not well developed Therefore the rapid credit ... analyzes the impact of parent banks on the credit growth pattern of their CEE subsidiaries The transition in the CEE banking system and the change in bank ownership caused the majority of the banks...

Ngày tải lên: 03/06/2014, 02:21

... as the British thermal unit (Btu); and (3) electrical units, such as the watt-second (W-sec) In the mks and cgs systems, the mechanical units of energy are the joule (j) and the erg, the thermal ... fully understand the impact that their actions may have on the safe and reliable operation of facility components and systems The Thermodynamics, Heat Transfer, and Fluid Flow handbook consists ... Everything external to the system is called the thermodynamic surroundings, and the system is separated from the surroundings by the system boundaries These boundaries may either be fixed or movable...

Ngày tải lên: 22/10/2013, 10:15

... donor and acceptor dyes, will therefore unveil the status of physical union and separation of complementary strands during renaturation and strand exchange, respectively, and thereby assesses the ... of the renaturation (A) and strand exchange (B) reactions mediated by OsDmc1 protein Phi-C and Phi-W represent rhodamine and fluorescein carrying strands, respectively, at their 3¢ and 5¢ ends The ... of these steps have been identified mainly from Escherichia coli and now also from yeast and mammalian systems The proteins implicated in homology search and pairing activities are called strand...

Ngày tải lên: 19/02/2014, 07:20

... reflecting the complexity of the question at hand, including the many dimensions over which these policies operate and their sectoral and market-specific targeted nature Moreover, given that systemic ... right-hand panel) The equilibrium now implies a higher interest rate on loans, and a decline in the level of credit available to the economy Ultimately, the costs of RRs are borne by the borrowers Therefore, ... Colombia, and Peru 24 The cumulative dummy captures changes in the rates of the RRs and therefore, facilitates the comparison of changes to the RR regime across countries However, the variable...

Ngày tải lên: 06/03/2014, 04:21

... notably, the Southern England Consortium for Credit Accumulation and Transfer (SEEC) and the Northern Universities Consortium for Credit Accumulation and Transfer (NUCCAT) in England (Scotland and ... institutions and organizations The European Credit Transfer and Accumulation System (ECTS) is the standard for comparing study attainment and performance of students in higher education across the EU ... Admissions and Transfer (ACAT) – to oversee credit transferability in the post-secondary sector The ACAT monitors the effectiveness of admissions and transfer policies and practices throughout the province’s...

Ngày tải lên: 06/03/2014, 08:20

... aggregated credit data according to the borrower, the purpose and use of the loans, their sectoral composition and concentration, the currency denomination, and the maturity and other conditions of the ... aggregated credit data according to the borrower and to have information on the purpose, use, and specific features of the loans All these aspects are relevant to assess the risks and to determine the ... (2004b) 10 Note that the negative growth of credit in the Czech and Slovak Republics in the early 2000s reflects, in part, the efforts to clean up the bad loans in the system 11 These regimes include:...

Ngày tải lên: 06/03/2014, 08:20

... Financial-Sector Fragility and Currency Risk The New Basel Accord and Developing Countries: Problems and Alternatives Economic Slowdown in the U.S., - The Revitalisation of Fiscal Policy and the Case for a ... Realistic Banking System Within a Post-Keynesian Stock-flow Consistent Model Credit- Risk Transfer and Financial Sector Performance Please address enquiries about the series to: The Administrator ... 2002 August 2002 Demosthenes N Tambakis Jonathan Ward Demosthenes N Tambakis December 2002 January 2003 December 2002 October 2003 On Strategic Default and Liquidity Risk The Supervisory Approach:...

Ngày tải lên: 06/03/2014, 08:20

... human health and the environment The Thematic Strategy on Air Pollution from the European Commission (EC, 2005) subsequently set interim objectives for the improvement of human health and the environment ... terrestrial ecosystems, groundwater and aquatic ecosystems Sensitive elements can be part or the whole of an ecosystem, or ecosystem development processes such as their structure and function The critical ... EEA 32 The European environment | State and outlook 2010 and the European Commission's Joint Research Centre (FAIRMODE, 2010) To reduce the adverse effects of air pollution on health and the environment,...

Ngày tải lên: 06/03/2014, 16:20

... within the ambit of the fifth framework project on Citizenship and Democratic Legitimacy in the European Union (CIDEL), funded by the European Commission and co-ordinated by the Centre for European ... Europeans come or are brought together to identify and to endorse the shared set of common and entrenched values that will create and guide the institutions of European governance, then our European ... legitimacy: how could the national and European parliamentarians and bureaucrats gathered together within the European Convention have simply usurped the constitutive prerogatives of European peoples?...

Ngày tải lên: 07/03/2014, 02:20

... cis-PnA/NaTDC On the other hand, these shifts might result from the quenching of the tryptophan fluorescence in the presence of the mixed micelles, which simultaneously reveals the fluorescence of the tyrosine ... density present in the active site of molecule A, the modeling of the ligand was restricted to its carboxylic group and the alkyl chain between C2 and C9 The remaining atoms of the OA in molecule ... of TLL The stereoview of OA binding modes in molecule A and B (OA_A and OA_B, respectively, thick lines); C9 and C10 correspond to the position of these atoms in the OA_A ligand, where the electron...

Ngày tải lên: 08/03/2014, 23:20

... by the credit union The primary characteristic of the credit union contract is that it is entered into before the result of the current income draw is known and so unlike the bank contract the ... two In the third period the decision on whether or not to repay the loan is taken and so is formally identical to the bank loan model The motivation underlying the credit union contract is the exclusion ... L(c,s,t) The operation of the credit union The first issue to be tackled in a model of the credit union is the nature of the objective function Members include both borrowers and savers: one strand...

Ngày tải lên: 15/03/2014, 07:20

... Sicilia (2001) for the ECB and compares the predictability of the ECB with the one of the Bank of England and the Federal Reserve Bernhardsen and Kloster (2002) also compare the predictability ... predictability to the Fed In Section we analyse the reaction of the term structure of the euro area to the daily shocks and to the unexpected component of the monetary policy decisions of the ECB (the shocks ... both, the euro area and the US, the series show cointegration and the βj can be accepted to be equal to one In this set up, the ε jt+k represent, not only the spread but also the shock to the information...

Ngày tải lên: 15/03/2014, 14:20

... Council, the Commission, the national and regional parliaments of the Member States, the Committee of the Regions, the European Economic and Social Committee, the former Members of the European ... not, and to analyse carefully the reasons for the negative results in France and the Netherlands, J The No votes appear to have been rather more an expression of dissent at the present state of the ... both the political will and the capacity to stimulate and manage the European dialogue, N The absence of an agreement on the policy challenges and budgetary means of the enlarged Union for the...

Ngày tải lên: 16/03/2014, 03:20

... by the amount of risk transferred then it becomes important to understand the relationship between the premium and risk transferred and to evaluate whether subsequent changes in risk transfer and ... to the new investments by government and BAA plc, and the banks accepted a drop in their margins and fees.98 The main risks in the original NATS PPP were demand, credit and insolvency risk There ... multiplying the likelihood of the risk occurring by the size of the outcome (as monetised), and summing the results for all the risks and outcomes.”28 Risk transfer involves the allocation of risk to the...

Ngày tải lên: 23/03/2014, 04:20

... Spain, the Netherlands, the United Kingdom, and New Zealand, for example Then why did the crisis first manifest itself in the United States? Probably because the United States went further with ... short-term pain, even though they only postponed problems into the future; the bankers who took the upside and left the downside to the taxpayer; the politicians who tried to expand their vote banks by ... risk-taking both at the top of and within the firm For instance, the performance of CEOs is evaluated in part on the basis of the earnings they generate relative to their peers To the extent that...

Ngày tải lên: 29/03/2014, 03:21

... resources and territorial challenges of the future Communication from the Commission to the European Parliament, the Council, the European Economic and Social Committee and the Committee of the Regions ... commuting to and from the holding is included in the calculation of the financial support Thus, the level of payment for mountain pastures is therefore based on the costs of managing the land according ... pillar relates to the classification of land and thus their eligibility for CAP subsidy schemes The Integrated Administration and Control System undertakes land categorisation and controls compliance...

Ngày tải lên: 20/06/2014, 22:20

... (80, 100 and 120 mg·l–1) or GA3 (40, 300 and 1,000 mg·l–1) for 20 hours The imbibition resulted in 31–35% mc of beechnuts Then the beechnuts were mixed with the moist peat-sand substrate and incubated ... weeks and then treated with 80 mg·l–1 of ethephon or 40 mg·l–1 of GA3, – seeds chilled for weeks and then treated with 100 mg·l–1 of ethephon or 300 mg·l–1 of GA3, – seeds chilled for weeks and then ... sprinkling the beechnuts with tap water, ethephon (80, 100 and 120 mg·l–1) or GA3 (40, 300 and 1,000 mg·l–1) for five to seven days Tap water, ethephon or GA3 were used to reach the target mc of the...

Ngày tải lên: 07/08/2014, 10:21

... grasp of the “purpose” of the lending they offer the loan They often research the relevance of the stated purpose in the lending dossier with the client’s presentation to see whether the loan ... to minimize the credit risks After analyzing the situation to grasp the overall picture of credit activities and credit risks, chapter named “Suggestions to prevent and minimize the credit risks”, ... between the sponsor and the AMC, performance of the AMC will be affected by the ups and downs of the originating MB The AMC will be subject to greater risks and thus provide less comfort to the lenders...

Ngày tải lên: 07/08/2014, 10:25