there are always risks in changing but the risk of failing to change is much greater martin cross chief exec rsa
The History of Banks: To Which Is Added, a Demonstration of the Advantages and Necessity of Free Competi- tion In the Business of Banking. Richard Hildreth doc
... subsequently to the winding up of the First Bank of the United States, to the non-existence of a national bank These things followed the winding up of the Bank, therefore they were produced by it This is ... out of circulation The history of the American paper money, is the history of the French Assignats; it is the history of the government paper currencies in Austria and Russia, their history indeed ... mortgage These stock- holders were to be allowed to borrow the notes of the bank, to the amount of their respective shares The History of Banks/13 in the stock, pledging that stock to the bank, as...
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báo cáo khoa học: " The effectiveness of strategies to change organisational culture to improve healthcare performance: a systematic review" ppt
... performance The objectives of this review were: to determine the effectiveness of strategies to change organisational culture in improving healthcare performance and to examine the effectiveness of these ... data, blinding of outcome assessor, protection against contamination, selective outcome reporting, and other risks of bias ITS designs were also assessed for the independence of the intervention ... if the intervention managed to change the organisational culture In addition, this study delivered their ‘culture changing intervention to senior and middle managers, the latter of whom then...
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Tài liệu Báo cáo khoa học: "The Structure of User-Adviser Dialogues: Is there Method in their Madness?" pdf
... use of the pronoun it in her dialogues to the use of it in Linde's dialogues The goal of this paper is to find evidence for the validity of the notion of discourse structure derived from the ... description of the determinants of the user's behaviors arising from the task context The first step in performing task analysis is to identify the objects involved in the task In our case, these objects ... attempt to find evidence linking the dialogue structure to the task structure The main point is that the structure of the intentions conveyed in the discourse should mirror to some extent the task...
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Chapter 2Communicating Over the Network Quangkien@gmail.com.OverviewDescribe the structure of a network, including the devices and media that are necessary for successful communications. Explain the function of protocols in network communications. Ex potx
... networks 19 The Internet – A Network of Networks ISPs (Internet Service Providers) Often also TSPs Connect their customers to the Internet The Internet – ISPs connected to other ISPs 20 The Internet ... the suite is the definition of the protocols, and the stack is the software implementation of them 24 Network Protocols At the human level, some communication rules are formal and others are simply ... outlet) Interface - Connect to individual networks 22 Protocols Protocol A protocol stack shows how the individual protocols within the suite are implemented on the host The protocols are viewed...
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TEACHING READING ESP IN INTEGRATION WITH THE OTHER LANGUAGE SKILLS TO STUDENTS OF LINGUSTICS AT UNIVERSITY OF SOCIAL SCIENCES AND HUMANITIES, VIETNAM NATIONAL UNIVERSITY, HANOI
... 4.2.1.5 Asking students to write a list of things they know and things they want to know about the topic ……………… 4.2.1.6 Asking students to fill in the blanks of a summary of the text ……………………………………………………… ... points and weak points of the teaching and learning of reading ESP in Department of Linguistics and Vietnamese Studies at USSH – VNU based on the two survey questionnaires and the observation The ... It is divided into two chapters − Chapter I presents an overall view of reading and reading in ESP teaching and learning; − Chapter II introduces the advantages of skill-integration in teaching...
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Tài liệu The importance of land tenure in African countries: The case of Uganda doc
... xuất lương thực (như quay vòng chất dinh dưỡng, ngưng kết chất nitơ, quản lý sâu bệnh thống v.v.), đặc biệt sử dụng tốt tri thức kỹ người nông dân tăng cường tự tin khả họ Định nghĩa Smyth Dumanski ... lượng công việc kinh tế việc nhà tạo gánh nặng cho họ, (c) luật lệ phong tục không cho phép người phụ nữ tiếp cận tới đất đai, tín dụng, đầu vào, việc làm, giáo dục, thông tin hay y tế Sự khác ... tiếp cận lực khuyến khích học tập cá nhân xã hội Thay đổi kĩ thuật trình phức tạp với yếu tố sinh-lý kinh tế - xã hội Đó không việc giới thiệu khía cạnh kĩ thuật mà kết suy nghĩ hoạt động đài phát...
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Tài liệu Egypt''''s Water Warriors : Water Pollution in Egypt and the Role of NGOs in Reaching Integrated Management ppt
... in decision making in compliance to the natural protectorate law and the decision of the Prime Minister regulating to activities inside the protectorates in addition to the inefficiency of the ... especially in rural areas (7% at most) makes nearby streams (either canals or drains) the perfect places for inhabitants to dispose their sewage as in the case of Ezbet El-Eslah The fresh water canal of ... Allah investigating the physical, chemical and microbiological properties of groundwater in Saint Katherine, South Sinai, Egypt and exploring the diversity, occurrence and distribution of fungal...
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Tài liệu Investigating the Role of Poultry in Livelihoods and the Impact of Avian Flu on Livelihoods Outcomes in Africa docx
... calculate the share of income from poultry in total income for this country For poultry-producing households, the share of poultry income in total income and the number of birds kept across income quintiles ... converted into the total income or total wealth loss, we find that, depending on the scenario, country, and disease risk level of the area in which the households are located, the magnitude of loss in ... poultry-producing households are compared to those with no poultry; however, in this scenario, only those households in the high -risk areas are matched Finally, in Scenario 6, we use the disease spread risk...
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Tài liệu eadings in Applied Microeconomics: The Power of the Market pdf
... But the “man on the spot” cannot decide solely on the basis of his limited but intimate knowledge of the facts of his immediate surroundings There still remains the problem of communicating to ... again How many skills went into the making of the tint and the kilns, into supplying the heat, the light and power, the belts, motors, and all the other things a mill requires? Sweepers in the ... used in harvesting and carting the cedar logs to the railroad siding Think of all the persons and the numberless skills that went into their fabrication: the mining of ore, the making of steel and...
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Excerpt from the Examination Regulations for the Master’s Program in Economics at the University of Mannheim docx
... instruction is English In singular cases the examination board can, in consultation with the examiner, allow for other languages of instruction All examinations are conducted in the language of instruction ... from the exam by the examiner or supervisor In this case, the student receives the failing grade 5.0 Within two weeks after the exam, the student can request a review of the decision by the examination ... lecturers of the introductory phase and, if necessary, an interview with the applicant The admission to the field of study “Economic Research” will be changed into an admission to the field of study...
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Factors infl uencing the risk of breast cancer – established and emerging ppt
... Factors in uencing the risk of breast cancer – established and emerging Established Risk Factors The established risk factors for breast cancer may increase a woman’s chances of developing the ... ‘established risk factors’ However, all the established risk factors together can only explain about half of breast cancer cases and for the remainder, scientists and doctors are still unsure of the ... live today This briefing will outline: The established risk factors for breast cancer, and The current thinking regarding the involvement of certain chemical exposures in breast cancer, and in...
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THE USE OF DERIVATIVES TO MANAGE INTEREST RATE RISK IN COMMERCIAL BANKS docx
... gain on the put options position held by the bank The financial institution hedged the interest rate risk exposure perfectly because the basis risk is assumed to be zero That is, the change in ... change in interest rates on the balance sheet is assumed to be equal to the change in the interest rate on the bond underlying the option contract The introduction of basis risk means that the bank ... hedging Allowing basis risk to exist, the equation used to determine the number of put options to buy to hedge interest rate risk becomes: Np DA kDL A/ D B br (19) Where br is a measure of the...
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The Risk of Obstructive Lung Disease by Previous Pulmonary Tuberculosis in a Country with Intermediate Burden of Tuberculosis potx
... smoking history A smoking history could potentially have biased the estimated effect of TB on loss of lung function A previous study found that smoking history is associated with an increased risk ... suggests that other risk factors are also important in causing obstructive lung disease, especially in developing countries These factors include air pollutants, dust and fumes, history of repeated ... (8) A history of TB may affect lung function by pleural change, bronchial stenosis, or parenchymal scarring TB increases the activity of the matrix metalloproteinases, thus contributing to pulmonary...
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Bringing the Hidden Giants to the Footlight: the Role of Savings and Retail Banks in Increasing the Level of Access to Financial Services docx
... disbursing of loans and collecting loan repayments Another promising track for savings banks is to invest their savings deposits in microfinance institutions by specialising 18 Microfinance Information ... this program in wholesale lending to microfinance institutions for lending to their micro borrowers Savings banks could refinance well-functioning microfinance institutions individually or indirectly ... banks are savings mobilisation specialists, it is misleading to think about them as savings-only institutions Research has shown that across the developing world non-postal savings Minimum fee to...
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Promoting the Use of End-to-End Congestion Control in the Internet pptx
... of routers using either FCFS or WRR set to 128 Kbps, 9% of the bandwidth of the R1-R2 link Be- scheduling In these scenarios, there is one TCP connection cause the final link in the path for the ... shows, when the sending rate of the UDP flow is small, the TCP flows have high goodput, and use almost all of the bandwidth on the R1-R2 link When the sending rate of the UDP flow is larger, the UDP ... work there is a minimal reduction in the aggregate goodput In this case, where a single flow is responsible for almost all of the wasted bandwidth at a link, per-flow scheduling mechanisms are reasonably...
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EFFICIENCY AND DISTRIBUTION IN CONTRACT FARMING: THE CASE OF INDIAN POULTRY GROWERS pdf
... the small farms These risks also threaten the profitability of the industry engaged in breeding of chicks and manufacturing of feed, vaccines and medicines In order to minimize the risks to the ... feature of contract farming is the shifting of risk from producers to processors In the broiler contract, much of the price risk is reduced by the use of the bro-mark (set by the processors) rather ... emphasized the role of insurance and credit in explaining the existence and success of contract farming arrangements This is undoubtedly the case in the instance of poultry farming as well In terms of...
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synthesis of wo3 in nanoscale with the usage of sucrose ester
... l-butanol The addition of the co-solvent (l-butanol) to the oil phase turned the oil phase into a better solvent and allowed significant solubilization of the surfactant into the oil with the ... samples Both of the XPS and EDX patterns reveal the existence of W, O and C in the nanoparticles The existence of C impurity in nanoparticles is believed to originate from environmental contamination ... processing was performed using the Kratos software after Shirley baseline subtraction and using Schofield sensitivity factors corrected for instrumentation transmission function Results and discussion...
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Lund University International Master’s Programme in Environmental Science (LUMES): Assessment of Efforts to Solve the Water Pollution Problem in Kaunas pdf
... Neris is the biggest tributary of the Nemunas The basin area of the Neris is 24 492km2 The source of the Neris river is in the territory of Byelorussia More than 140km upstream Kaunas, the Neris ... utilisation The water in the reservoir adjoins the Nemunas river, but water quality in the reservoir is much better than in the river Within Kaunas city the Neris river flows into the Nemunas The ... environment The object of the analysis is displayed in figure The paper starts with a description of the water pollution problem in Kaunas city which is in the centre of the object of the analysis The...
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Student Displacement in Louisiana After the Hurricanes of 2005 ppt
... reporting of the situation ORGANIZATION OF THIS REPORT The remainder of this report is organized into three chapters Chapter Two examines the magnitude of the displacement phenomenon in the state, ... originated in Jefferson Parish schools Experiences of Students by Parish of Origin The experiences of students tended to vary by their parish of origin, in part because of the differences in the ... percentages of students in these racial/ethnic groups As shown in the table, the parishes of origin of most of the displaced students tended to have a greater percentage of minority students than the...
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Tìm thêm: hệ việt nam nhật bản và sức hấp dẫn của tiếng nhật tại việt nam xác định các nguyên tắc biên soạn khảo sát các chuẩn giảng dạy tiếng nhật từ góc độ lí thuyết và thực tiễn xác định thời lượng học về mặt lí thuyết và thực tế tiến hành xây dựng chương trình đào tạo dành cho đối tượng không chuyên ngữ tại việt nam điều tra đối với đối tượng giảng viên và đối tượng quản lí điều tra với đối tượng sinh viên học tiếng nhật không chuyên ngữ1 khảo sát thực tế giảng dạy tiếng nhật không chuyên ngữ tại việt nam khảo sát các chương trình đào tạo theo những bộ giáo trình tiêu biểu xác định mức độ đáp ứng về văn hoá và chuyên môn trong ct phát huy những thành tựu công nghệ mới nhất được áp dụng vào công tác dạy và học ngoại ngữ mở máy động cơ lồng sóc các đặc tính của động cơ điện không đồng bộ đặc tuyến mômen quay m fi p2 đặc tuyến tốc độ rôto n fi p2 đặc tuyến dòng điện stato i1 fi p2 động cơ điện không đồng bộ một pha sự cần thiết phải đầu tư xây dựng nhà máy phần 3 giới thiệu nguyên liệu từ bảng 3 1 ta thấy ngoài hai thành phần chủ yếu và chiếm tỷ lệ cao nhất là tinh bột và cacbonhydrat trong hạt gạo tẻ còn chứa đường cellulose hemicellulose