the second time around retrofitting

... only the commercial bank data 12 Our explanatory variables are primarily the financial characteristics of the banks, drawn from their balance sheets and their profit-and-loss statements as of the ... based their decisions to close a bank largely upon the CAMELS rating of the bank, and that rating is closely proxied by these variables (see Cornyn, Cole, and Gunther 1995) More interesting are the ... represent the marginal effect of a change in the relevant independent variable, when all variables are evaluated at their means The results in the first pair of columns, which are based upon the financial...

Ngày tải lên: 16/02/2014, 03:20

... circuit about the Earth in the same time The path of the Sun around the sky is called the ecliptic If we could see the background stars we would notice the Sun creeping eastwards along the ecliptic ... slowing, the mean solar day would no longer be constant but lengthening And with it would lengthen the hour, the minute and the second If the units of time were lengthening, what would be the effect ... 12 hours behind GMT? The answer is both; the zone is split down the middle by the International Date Line On either side of the Date Line the standard time is the same, but the date differs by...

Ngày tải lên: 05/06/2014, 11:32

... years (2006-2008) in the Mekong River Delta, Vietnam The results showed that the rice cracking was strongly influenced by both the variety and time of harvesting around maturity There was a general ... to the harvesting times prior and after expected maturity date for each of seven varieties These varieties were grown in different paddies at the three locations There were seven harvesting times, ... separated from the grains The straw and chaff were manually separated and the grain was dropped though a cross-wind to remove the lighter impurities Samples were then transferred to the dryer after...

Ngày tải lên: 21/06/2014, 06:20

... that they graduate, and then they are called graduates If they continue studying at university after they have graduated, they are called post graduates Full -time university students spend all their ... their activities Between the university terms they have vacations (or holiday period) Their vacations are long, but of course they can use them to study at home T F 32 Students studying for their ... x II./ Writing: Rewrite the sentences so that the second ones have the same meaning as the first ones 37 Unless you brought a passport, they wouldn’t let you go through the border gate If …you...

Ngày tải lên: 28/07/2014, 01:20

... Choose the best answer A,B,C,or D to complete the sentence _ you study for these exams, _ you will A The harder / the better B The harder / the good C The more / the much D The hardest / the ... and richer / happier and happier B The richer / the happier C The richest / the happiest D The more rich / the more happy Read the passage carefully and choose the correct answer ENDANGERED SPECIES ... women Câu 22: Choose the best answer to complete the sentence They took the robber to the police station _ A so quick as they were B quickly as possible C as quickly as they could D very quick...

Ngày tải lên: 06/08/2014, 10:20

... on one of the topics in the coursebook  They chose the group members at the first period of the course  The teacher provided a list of topics for them to choose or they could choose their own ... happening in their classes, what students are thinking, why they are reacting in the way they do, what aspects they need to focus on and how they should change in these aspects and then they will ... INTRODUCTION 1 The rationales of the study The scope and significance of the study The aims of the study Methods of the study The design of the study ...

Ngày tải lên: 28/03/2015, 09:16

... for the duration of the command, refer to the file named after the ‘‘>’’ For example: ls ordinarily lists, on the typewriter, the names of the files in the current directory The command: ls >there ... file called there and places the listing there Thus the argument >there means ‘‘place output on there.’’ On the other hand: ed ordinarily enters the editor, which takes requests from the user via ... Implementation of the shell The outline of the operation of the shell can now be understood Most of the time, the shell is waiting for the user to type a command When the newline character ending the line...

Ngày tải lên: 12/09/2012, 15:05

... in the librarys collection The first type has the authors name or other persons or institutions The second has the title of the book or other item on the top line the third has the subject of the ... item in the librarys collection The first type has the authors name or other persons or institutions that contributed to the work on the top line The second has the title of the book or other item ... the second year students of library study at the NTTC The author of the study is concerned with the second year students of library study, subject teachers and English teachers at the NTTC Other...

Ngày tải lên: 07/11/2012, 14:36

... the thesis There are three main parts in this thesis: introduction, development, and conclusion The introduction provides the rationale, the aims, the significance, the scope, and design of the ... concerning the content of the lesson and they have to predict the answers In while- reading, they spend time reading the text and giving the right answers to the questions raised in the pre- reading ... and the others were in the reading section From the material analysis, the researcher found that the text types used in the material were relevant to the course requirements * The topics The...

Ngày tải lên: 07/11/2012, 14:50

... Almost of them came from Northern provinces of Vietnam The majority of the population is from the countryside The average score of English they got in the entrnace exam ranges from to These students ... speaking and of their comments on the speaking class and their expectations on the textbooks as well as the teachers The questionnaire for the teachers The questionnaire was adapted from the questionnaire ... activities of the class 3.6 Data collection procedures The time for data collection lasted during the third month of the second semester of the school year 2008-2009 Because it was the time when...

Ngày tải lên: 07/11/2012, 15:01

... that the cluster arrival rate implies the parameter for the intercluster arrival times and the ray arrival rate refers to the parameter for the intracluster arrival times The distributions of these ... described by the Poisson distribution of (2.4) The inter-ray arrival times, τkl , are dependent on the time of the first arrival in the cluster Tl In the Saleh-Valenzuela model, the first cluster time ... with time Their model proposes that both of these decaying patterns are exponential with time, and are controlled by two time constants: Γ, the cluster arrival decay time constant, and γ, the...

Ngày tải lên: 20/11/2012, 11:32

... thi: 328 THE SECOND TERM TEST – GRADE 11 Time : 45 minutes I Read the passage, then choose the best answer: ( From 01 to 06 ) Old St Paul was built a long time ago It was burnt down in the Great ... school .the morning A at B in C on D by V Choose the best form of the verbs in brackets: ( From 23 to 30 ) Peter and John are friends They (23 work ) together in a factory They (24 know) .each other ... got to the zoo, A people was watching the animals B people were watching the animals C people will watch the animals D people watched the animals II Choose the correct sentence which has the same...

Ngày tải lên: 02/06/2013, 01:26

... with his friends They usually play it in the stadium near Nam's house They never play soccer on the street On the weekend, he and his friends sometimes go camping in the mountains They usually take ... thin D weather D friend D noodles D nose Ta Thanh Oai Secondary School Class: …………………………… Name: …………………………… The second term English test Grade: Time: 45’ I Listen and choose whether the statements ... Questions a They play soccer in the stadium b They sometimes go camping c He likes jogging d No, there isn’t Mỗi câu 0,5 điểm IV Writing : (2ms) a I am hungry I want a bowl of noodles b My brother...

Ngày tải lên: 29/06/2013, 01:27

Ngày tải lên: 01/08/2013, 05:41

... explain the story Soon the public had their favorite actors and actresses and, in this result, the first film star appeared In 1927, the first “talkie”, a film with sound, was shown and from then ... because I missed the bus (make Wh – question) 27 We took so many pictures although the sky was cloudy In spite of……………………………… E5 Choose the best answers THE HISTORY OF FILM The world’s first ... from then on, the public would accept only this kind of film Further improvements continued, particularly in America, (50) … produced 95% of all films With the arrival of television in the 1950s,...

Ngày tải lên: 05/08/2013, 01:27