... include all commercial banks and savings institutions except institutions resolved by the Resolution Trust Corporation SOURCE: FDIC Historical Statistics on Banking and authors’ calculations experienced ... include all commercial banks and savings institutions except institutions resolved by the Resolution Trust Corporation SOURCE: FDIC Historical Statistics on Banking and authors’ calculations than ... (Kentucky, Mississippi, South Carolina, and Tennessee), and two Great Plains states (Montana and North Dakota) Figure shows the distribution of the depositsbased failure rate measure across states...
... assets on bank balance sheets suspect Then counter party risk becomes acute, and banks become less willing to lend to each other unsecured Because the LIBOR market is unsecured, one very rough ... beneficiaries of government largess But smaller banks are the natural lenders to small- and medium-sized enterprises, which seem the most stressed in the current downturn Thus, figure could reflect a huge ... fiscal, monetary and financial sector support as recovery becomes firmly secured” But how and when to start withdrawing the support remains controversial One group of protagonists sees unsustainable...
... releases of hazardous chemicals Covered employers must identify those processes that pose the greatest risks and begin evaluating those first PHAs must be completed as soon as possible At least ... tanks; • Piping systems (including piping components such as valves); • Relief and vent systems and devices; • Emergency shutdown systems; • Controls (including monitoring devices and sensors, ... assure that the process hazard analysis is consistent with the current process (7) Employers shall retain process hazards analyses and updates or revalidations for each process covered by this...
... submits summary information about the safety and nutritional assessment of the product, and makes a scientific presentation to FDA scientists Relevant safety issues addressed during the consultation ... products of rDNA technology include transgenic plants and animals, foods, and chemicals such as drugs, biologics, cosmetics, pesticides, and industrial feedstocks Foods and chemicals produced by ... produce such substances (plant incorporated protectants, or PIPs) Figure illustrates these regulatory pathways Transgenic Plant PIPs Non-PIPs EPA USDA Human and Environmental Risks Plant Pest Risks...
... a subsequent full study and to identify key methodological issues Both the pilot and full study engaged consumers and utilized the FCRA consumer dispute resolution process This report presents ... potential causes of data errors This study is also not a study of the FCRA consumer dispute resolution process Although a detailed study of the dispute process would certainly be valuable in assessing ... Measuring Accuracy and Dispute Impacts Abstract This report, titled U. S Consumer Credit Reports: Measuring Accuracy and Dispute Impacts, assesses the accuracy and quality of data collected and...
... ecosystems such as coral reefs, mangroves, and sea grass communities as well as the coastal fisheries they support are particularly vulnerable to rising sea levels and increased storm surges Predictions ... The cost to produce the 21 syntheses and assessment reports was about the same as the cost of the last national assessment Therefore, a national assessment should be within the scope of existing ... societal needs and priorities A useful assessment does not merely summarize published studies, but has the ability to undertake targeted research to produce new insights, observations, models,...
... once it was laid BANK INTEGRATION AND B USINESS VOLATILITY IN U. S STATES The United States once had essentially fifty little banking systems, one per state The U. S banking system is now much more ... measure equals the share of total bank assets in a state that are owned by out-of-state bank holding companies (that is, bank holding companies that also own bank assets in other states or countries) ... This finding is consistent with our results, although it emphasizes the downside of integration While integration insulates an economy from shocks to its own banks, it simultaneously exposes an...
... innovative products and processes Conventional liquid fuels and chemicals are produced using nonrenewable resources, usually fossil fuel-based substances, and conventional chemical processing Over ... that is available on a renewable or recurring basis, including agricultural crops and trees, wood and wood wastes and residues, plants (including aquatic plants), grasses, residues, fibers, and ... materials used (e.g., biomass, fossil fuelbased, or inorganic substances), or the manufacture of liquid fuels and chemical products from renewable resources regardless of the type of processing...
... Feburary U. S Census Bureau 1999 “Estimates of Housing Units, Households, Households by Age of Householder, and Persons per Household.” Available at ... hours/week Nighttime Status – We assumed the same usage of commercial/industrial inkjet printers as that for desktop computers, since both are usually used individually Daytime Status – We assumed ... natural to assume that more than 15% of residential laser printers are used for business as well as private purposes We assumed that 25% of residential laser printers are for business as well as...
... savings banks in the same breathless breath as railroads and insurers.24 By 1853, Massachusetts savings banks held deposits of over $23 million in some 117,000 accounts.25 By 1860, New York savings ... and U. S Community Banks, 1790-2010 depositors and stockholders (Corporations owned mostly by distant or speculative stockholders, by contrast, tended to be much less stable.14) Mutual Savings ... other words, did not have to trade assets as frequently as a thousand individual investors would have to have done Mutual savings banks passed most of those savings on to depositors, thereby making...
... reports the U. S distribution of non-durables plus the imputed services of consumer durables A comparison of the numbers reported in those two rows shows that the U. S distributions of those two measures ... households This table shows that a large majority of these households are of types = 1, followed by those of types s = ands = It also shows that the invariant mass of households of types = ... in E for consecutive members of the same dynasty In Section 4.1.2 we discuss these issues in detail 3.1.3 Preferences We assume that households value their consumption and leisure, and that they...
... high-pressure pump Low-pressure pump delivers fuel from tank to high-pressure pump; high-pressure pump delivers fuel to injectors at the desired operating pressure: fuel lubricates governor and pumps ... gearbox is used for speed reduction 3-14 Gas turbine engine classifications a Pressure and stages Gas-turbine engines used for auxiliary power generator sets are classified as high-pressure-turbine ... Check exhaust system and correct as required Fuel shut-off closed, low supply of fuel Make sure shut-off is open and supply is at proper level Poor quality fuel Replenish fuel supply with fresh, proper...
... speech, some synonymous words and phrases are seen but they are not many For instances: Homes have been lost; jobs shed; businesses shuttered Lost, shed and shuttered are synonymous in some sense ... and vocabulary, or linguistic form” The substitute item must have the same structural function as 11 what it substitutes Substitution is classified into three types: nominal, verbal and clausal ... carol” - Clausal substitution: is a substitution in which what is presupposed is not an element within the clause but an entire clause In English, the words used for substitution is “so” and “not”...
... categories Results and discussion The following section presents selected results from the study and provides discussion and analysis with regard to overall GHG emissions for the various building types, ... and on-site emissions Each is discussed further below The climate influences a building s emissions due to the required HVAC equipment size, load, and runtime ASHRAE 90.1 Standard [21] has subdivided ... Deru s [23] “The Source Energy and Emission Factors for Energy Use in Buildings” were used in this study to account for the source emissions The rate of GHG emissions is different within these...
... both residues over tolerance and residues with no tolerance Although there are no documented outbreaks of illness caused by unlawful pesticide residues, chronic exposure to pesticide residues that ... Therefore, FDA issuance of CGMPs for juice would be an approach that could assist manufacturers in the production of safe juices FDA encourages the juice industry to use CGMPs to help ensure the safety ... previous sections of this document is much greater than the conÞrmed number of illnesses PESTICIDES Pesticides are usually applied to plants to combat insects, plant diseases, and weed growth to assist...
... political science The study is pure linguistic research, conducted with the aim to discuss what and how linguistic strategies contribute to the success and popularity of the speech Aims of the study and ... key words: overuse of vocabulary on security and freedom cause pursued by the U. S government Nguyen Thi Huyen Le Vinh Uni 32 AN ANALYSIS OF THE INAUGURAL ADDRESS BY G.W BUSH IN THE U. S PRESIDENTIAL ... findings answer the research questions Part 3: Conclusion summarizes the findings of the study, giving concluding remarks, implications, limitations of the study and suggestions for further studies...
... However, some bridges with prestressed concrete superstructures have a “Year Built” prior to 1950 These bridges have probably been “reconstructed” using prestressed concrete superstructures In this ... timber based on the superstructure material for the main span Values shown in the “Total” columns include bridges constructed using other materials such as masonry, aluminum, cast iron and wrought ... also given If the superstructure of a bridge is replaced, but the substructure is reused, “Year Built” remains the year of original substructure construction “Year Reconstructed” would then indicate...
... the MCS Access to Social Support We differentiate among household composition, instrumental support, and social integration Measures of household composition include both family structure and extended ... adults within the household to assist with caring for the child and making decisions is expected to provide a support buffer against stressful circumstances that might otherwise lead to mothers' ... “sub-degree” qualifications and certificates, and level includes university diplomas, teaching and nursing degrees and post-university education To measure family income, we include the household poverty...
... discussion of this topic is almost impossible in the United States because of the vituperative responses elicited by any discourse that questions the wisdom of unflinching U. S support for Israel, ... bits of intelligence output being scored as successes or failures not because they matter for U. S interests, but instead because they happen to be easy to score As chapter shows, some of the most ... of Iraq s oil and, in the crudest versions, that this control was sought in the financial interests of the U. S oil and oil services industries Closely related WEAPONS OF MASS DESTRUCTION AND THE...