...Solutions for End-of-Chapter Questions and Problems: Chapter 17 Part B 11. Define each of the following four measures of liquidity risk. Explain how each measure would be implemented and utilized by a DI. a. Sources and uses of liquidity. This statement identifies the total sources of liquidity as the amount of cash-type assets that can be sold with little price risk and at low cost, the amount of funds it can borrow in the money/purchased funds market, and any excess cash reserves over the necessary reserve requirements. The statement also identifies the amount of each category the DI has utilized. The difference is the amount of liquidity available for the bank. This amount can be tracked on a day-to-day basis. b. Peer group ratio comparisons DIs can easily compare their liquidity with peer group institutions by looking at several easy to calculate ratios. High levels of the loan to deposit and borrowed funds to total asset ratios will identify reliance on borrowed funds markets, while heavy amounts of loan commitments to assets may reflect a heavy amount of potential liquidity need in the future. c. Liquidity index. The liquidity index measures the amount of potential losses suffered by a DI from a firesale of assets compared to a fair market value established under the conditions of normal sale. The lower is the index, the less liquidity the DI has on its balance sheet. The index should always be a value between 0 and 1. d. Financing gap The financing...
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...CHAPTER 17: Manifest Destiny and Its Legacy (1841–1848) 1.) What was THE principal concern of American diplomacy & politics throughout the entire 1840s? • Territorial Expansion 2.) What was the "Maine Controversy? • Misleading peace treaty of 1783 3.) Who were the contenders in the party? • Canada and Maine 4.) In the United States from 1829 up to (and including 1860) how many antebellum presidents were where? • 9 5.) If in 1836 Texas had won its independence, why would Great Britain care about Texas independence in the 1840s? • It would stop southward expansion for the US 6.) In the presidential campaign of 1844 what was THE #1 issue confronting the contenders? • Texas 7.) Where was James K. Polk originally from? • North Carolina 8.) Who would have advocated "Texas or disunion," what geographic region would that person - most likely - have been from? 9.) Added to the Union in _______ Texas was what # state? • 1845 • 28 10.) By the opening salvos of the American C.W. how many states were there in the Union? • 34 11.) Regarding Oregon, which FOUR countries laid claim to it (and which TWO dropped out of the race for Oregon)? • Spain Russia Britain US 12.) THE principal waterway (river) in the Oregon controversy was what? • Columbia River 13.) Considered the "St Lawrence of the West" what is being spoken of? 14.) How is "Oregon Fever" explained? • In the 1840s Americans settled south of the Columbia River 15.) As the 11th president of...
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...| AA | AA | AA | 6. | Lesdy Yanori | AS | AS | AA | AS | AS | AS | 7. | Lismar Haylin Ríos | AA | AA | AS | AS | AA | AS | 8. | Lizandra Vanessa Hernández Zamora | AS | AS | AS | AA | AS | AS | 9. | Natalia Victoria Dávila Zeledón | AA | AA | AA | AA | AA | AA | 10. | Axel Gabriel Castro Rosales | AA | AS | AS | AA | AA | AA | 11. | Carlos Zamir Loza Díaz | AA | AA | AA | AA | AA | AA | 12. | Enoc Ezequiel Zamora Aguilar | AA | AA | AA | AA | AA | AA | 13. | Héctor Danilo Mustafá Rizo | AA | AA | AA | AA | AA | AA | 14. | José Manuel Rodríguez Blandón | AA | AA | AA | AA | AA | AA | 15. | Joseph Alejandro López Rivera | AA | AA | AA | AA | AA | AA | 16. | Julio César Zeledón Motta | AA | AA | AA | AA | AA | AA | 17. | Keneth Benjamín Loaísiga Rosales | AA | AA | AA | AA | AA | AA | 18. | Keneth Josué Centeno Lagos | AS | AF | AA | AS | AS | AS | 19. | Leocsan David López Araíca | AA | AA | AA | AA | AA | AA | 20. | Lobsang Jesús Vargas Montenegro |...
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...1 A person likely to participate in political behavior is insensitive to social cues has a desire for power believes he or she has little influence is a social nonconformist Correct 2 A primary goal of politics in the workplace is to promote organizational goals form alliances exclude undesirable peers secure limited resources Correct 3 In convergent periods, the role of executive management is to develop new strategies for the problems at hand shift middle managers to promote new views reemphasize the mission and core values challenge middle managers to reinvent their departments Correct 4 Political behavior in the workplace works only in an upward or lateral influence direction https://newclassroom3.phoenix.edu/Classroom/#/contextid/OSIRIS:47954803/context/co/view/activityDetails/activity/36bbc35d50034c108c6793bfffe303e7/ex… 2/5 3/15/2015 attempts to influence decision making works only in a lateral influence direction is unlikely in a wellrun organization Week 6 Quiz Assessment Activity Week6 LDR/531 eCampus Correct 5 Organizational momentum relates to patterns of behavior, norms, and values growth in sales, profits, and so forth willingness to move beyond incremental change the rate of change to make improvements Correct 6 Organizational change relies on a balance of change and strategy vision continuity planning Correct 7 Central to managing a successful organizational strategy implementation are/is tracking progress formal models of implementation...
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...16.替换段落985-20-25-9至段落25-10，并链接转换到段落730-10-65-1，如下： 985-20-25-9 根据2009年更新的会计准则，替换段落985-20-25-9。 985-20-25-10 根据2009年更新的会计准则，替换段落985-20-25-10。 17.修正段落 985-20-55-13，并链接转换到段落730-10-65-1，如下： 985-20-55-13 会计主体准备购买软件并将其集成到另一个软件或硬件产品中。不论在购买时技术的可行性是否确定，所购买的用于销售、租用或者任何商业用途的电脑软件在取得时其成本应予以资本化 18. 替换段落985-20-55-14和它的相关标题，并链接转换到段落730-10-65-1，如下： 985-20-55-14 根据2009年更新的会计准则，替换段落985-20-25-14。 19.修正段落985-20-55-18，并链接转换到段落730-10-65-1，如下： 985-20-55-18 在技术可行性提升已被确认并副标题 730-10的规定入账之前，产品改良的成本被认为是研发的一部分。如果初始产品不再作商业用途，根据可变现净值测试和摊销规定，初始产品的任何未摊销成本应被归入改良成本中。如果初始产品同改良一起保留在市场上，初始产品的未摊销成本应该被在初始产品和改良之间分配。 20.修正段落985-350-25-1，并链接转换到段落730-10-65-1，如下： 985-350-25-1 段落985-20-25-3规定在技术可行性确定后生产产品发生的成本应予以资本化。段落985-20-25-8规定购买的软件将来作其他用途的其成本应予以资本化 对Topic350 的修正 修正段落350-30-35-7，并链接转换到段落730-10-65-1，如下： 350-30-35-7 无形资产不能在入账时被减记或冲销，除非它在该时期内受损。 22.修正段落350-30-35-17A，并链接转换到段落730-10-65-1，如下： 350-30-35-17A 在企业合并或者资产收购时用于研发活动的无形资产将被认为是不确定部分，直到相关研发工作完成或中止。在这段时间内那些被认为是不确定性的资产，他们不会被摊销但应根据后面的内容进行减值测试。一旦研发工作完成或中止，会计主体将以这部分的指导为基础决定资产的使用寿命。与段落360-10-35-49中的指导一致，通过公司合并取得的暂时被闲置的无形资产和被弃置的无形资产一样，不入账。 23. 修正段落350-30-50-1，并链接转换到段落730-10-65-1，如下： 350-30-50-1对于无形资产，不论是单独取得的或是作为资产组的一部分（在资产收购中取得或在企业合并中取得），所有下面的信息都应在入账时在财务报表附注中披露： a.以下所有是对于用于摊销的无形资产： 1. 被分配的总数和任何主要无形资产种类被分配的数量 2. 任何明显的残余价值的总量和主要无形资场种类残余价值的数量 3. 加权平均摊销期的总量和主要无形资产种类的加权平均摊销期 b. 对于没有被摊销的无形资产，被分配的总数和被分配到任何主要无形资产种类的数量 c. 在一笔交易中除了企业合并所取得的研发资产的数量 d. 按主要无形资产的种类，对于附着更新或扩展段落的资产，在下一个更新或扩展前的（包括显式和隐式）加权平均摊销期间。 除了商誉，如果合计取得的无形资产公允价值是值得注意的，信息也应在每一个重要的企业合并中或者在重要的非重要企业合并的集合中予以披露。 ...
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...On Shelf Availability in Asia Pacific 2011-2012 A study into the current state of OSA in Asia Pacific and the case for change In conjunction with The ECR On-Shelf Availability Working Group The ECR On-Shelf Availability Working Group Efficient Consumer Response (ECR) Efficient Consumer Response Asia Pacific (ECR AP) is an independent joint trade and industry body, which is co-chaired by representatives from the retail sector and the manufacturing sector. It promotes the use of Efficient Consumer Response techniques in Fast Moving Consumer Good (FMCG) retailing to remove unnecessary costs from the supply chain and make the sector, as a whole, more responsive to consumer demand. For more information please contact: ECR AP follows the Consumer Goods Forum focusing around five strategic priorities – Emerging Trends, Sustainability, Safety & Health, Operational Excellence and Knowledge Sharing & People Development Under operational excellence, one of the initiatives is the OSA working group which is a collaboration between members, Accenture, Unilever and Diageo. For more information please contact: Ivett Katalin Nagy, Executive Director, ECR Asia Pacific ivett@ecr-all.org Alfons Van-Woerkom Alfons.Van-Woerkom@unilever.com Unilever With more than 400 brands focused on health and wellbeing, no company touches so many people’s lives in so many different ways. Our portfolio ranges from nutritionally balanced foods to indulgent ice creams, affordable soaps, luxurious...
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...Student Name：Taiyang Zhang Banner ID：@01278901 Professor Name：Manjit Kaur Subject: Freshman composition II Date: 09/05/2013 Class: 1023-002 Background of the myths debunked in the NASA-episode Introduction Moon landing has always been a captivating topic around the world. Since its occurrence in 1969 it has brought phenomenal gory to the U.S aeronautical programs and inspired faith and beliefs amongst people that anything is possible. Indeed, moon landing is arguably, the greatest of all the technological advances if the 20th century. However, there are arguments among the general public, scholar and even some aeronautical scientists that the moon landing was faked. Indeed there are a number of conspiracy theorists who believe that NASA faked the 1969 moon landing. These theorists have based their arguments on the political climate of the time with regard for the need to triumph over Soviets and some inconsistencies in the NASA pictorial footage on TV and Photos. However, to understand the basis of arguments in disputing the reality of NASA moon landing, it is important to study the background of the myth in accordance to NASA. Origins of the Myths One of the renowned scientific critic Kaysing & Reid (45) in his book We Never Went to the Moon argues that the mission was a scam. He narrates that after a series of technological problems and disasters, NASA scientists realized that the institution had not gathered enough capability and to deliver...
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...Graz University of Technology CATIA V5 Basic Training CAx in Automotive and Engine Technology 313.067 Dipl.-Ing. Michael Lang CATIA V5 Basic Training Graz University of Technology 2013 Preface The present script includes an introduction of the main features in the 3D design software package Catia V5. Beside the basic tools of 3D design, a number of exercises and examples point to different construction strategies in several applications. In addition to the primary functions, methods for the generation of solid components and assemblings are explained and executed by use of different examples. Training targets: Sketch mode Basic part design Enhanced features of part design Assembly design and product structure Generating drawings The script is based on Catia V5 Release 16 and will be updated continuously. To keep the paper up to date and to fulfill the requirements on the Catia V5 education at a high level, questions, critics and new inputs are sincerely welcome. Please write an email to: Michael Lang: michael.lang@ivt.tugraz.at 2 CATIA V5 Basic Training Graz University of Technology 2013 Table of contents 1 2 Introduction ..........................................................................................7 1.1. An excerpt of available workbenches ............................................................. 8 The user interface of CATIA V5 ...........................................................9 2.1. Graphic display .........
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...ijcrb.webs.com JUNE 2012 INTERDISCIPLINARY JOURNAL OF CONTEMPORARY RESEARCH IN BUSINESS VOL 4, NO 2 PROBLEMS ENCOUNTERED BY WOMEN IN EDUCATION SECTOR OF BAHAWALPUR. Owais Shafique (Corresponding author) Department of Management Sciences, The Islamia University of Bahawalpur, Pakistan. Faiza Anwar, Sahaab Akbar, Uroosa Akhtar Khan Department of Management Sciences, The Islamia University of Bahawalpur, Pakistan. Abstract As we all know that education is crucial in the development of any country. The main focus of this research is to identify the problems faced by working women in education sector. We discovered that most of the parents and certain relatives are supportive towards their daughter serving in the education sector. All our respondents strongly believed that the married women face greater challenges than unmarried women. Although their husbands are co-operative but there children are prominently neglected. Despite the supportive attitude of their parents unmarried women still face challenges like transportation and managing time between personal and social life. Most of the respondents, married or unmarried, believed that their salary and promotion system is not satisfactory for which they blame “Favouritism ”. In spite of all the facts, our research concludes that the education sector of Bahawalpur for female teacher is fairly good. Keywords: Women, Education Sector, Bahawalpur, Pakistan. 1. Introduction Research is one of the most...
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...According to some scientists, the moon is not a natural satellite rotating around Earth but actually an artificial one. Furthermore, some believe that beneath the lunar surface is a hollow society developed by aliens. Of course, no proof of this exists yet but the evidence continues to grow. MOON CONSPIRACY GETS ATTENTION OF SCIENTISTS There are various conspiracy theories out there but per pass one of the most interesting is the Hollow Moon Hypotheses. In the past, some have thought Earth's satellite was made of cheese or maybe not even real at all. Scientists have easily dismissed those ludicrous claims but the concept of the hollow Moon is beginning to gain traction. Unlike past conspiracies, there seems to be some evidence dating back...
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...Squidoo – Squidoo has an interesting blog post on why this author believes that the 1969 moon walk was a hoax. With many reasons to back up this argument, this writer uses many scientific and image-proven facts to get this point across. The article is broken down into the following categories, and is able to give evidence for each topic: 1960’s Technology, Time Frame, Photographic evidence analysis, Astronauts on wires, footage we weren’t meant to see, and so on. If you like reading articles that make you question your once strong beliefs, take a gander! Moon Hoax News – Moon hoax News is a blog dedicated to covering the latest in the hoax’ news over the years. Running since 2007, this site is dedicated to these beliefs. This site encouarges readers to delve into their own investigations of the hoax. Covering current issues about the Obama administration to modern day UFO spottings, this blog’s range of topics will keep you browsing. The Conspiracy Behind The Apollo Space Mission – This basic article written by Greg Scott, from the archives of articlebase.com, throws out the obvious (and not so obvious questions to those who are new to the topic) questions such as: Is there a breeze on the Moon? What Happened to the Stars? Keeping it simple, Greg states that it is only fair to be equally critical to both sides of the argument, and “like most conspiracy theorists, proponents of the hoax theory use lots of faulty evidence and misleading pseudo-science.” World History Blog...
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...July 20,1969 America won The Space Race as we were the first human or as we know of living beings on the Moon. Although we have proof of Buzz Aldrin and Neil Armstrong were, in fact on the moon, there are some people who choose to believe and deny that this ever occurred. Their reasons mostly include that the flag was waving in the non-existing breeze. Also, there are no stars in the pictures. Lastly, they believe that the moon landing itself was recorded either deep in Hollywood 0r in Area 51. In the pictures, you see of the lunar module you see there are no stars in the sky. You would assume that in space, of all places there would be tons and tons of stars. Well, Michael Rundle wrote on HuffPost, “The lunar modules skin is by far the brightest thing in the pictures which means the crew had to have a low aperture setting on their cameras. Aperture is the setting on how much light is coming in the camera, the stars are not bright enough to be captured by the camera lens. This statement proves that there shouldn’t be pictures of stars on the moon unless that is the only thing in the picture. A statement like this proves that deniers are incorrect in their assumptions. In addition, most people noticed the flag was waving in the non-existing breeze. Richard Holt wrote in “The Telegraph” “ The flagpole is light, flexible aluminium and continues to vibrate after the astronauts let go, giving the impression of blowing in the wind.’’ In many pictures, you can see the pole...
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...You did it! We've already given you parts one, two and three of 30 shocking facts about NASA, and we're here with the final installment! Check out the final seven interesting and straight up shocking facts about NASA below. Number Seven: Moon Flag Mystery. Though most children will be able to tell you that Betsy Ross sewed the American flag, it is still unknown who designed and made the Apollo 11 Moon flag. There are two hypotheses currently in circulation: that the flag is one of three that NASA secretaries purchased on a lunch break, or it was ordered from a government catalog for the whopping price of $5.50. Number Six: Mars Lawsuit. NASA was sued by three men from Yemen for trespassing on Mars. The men claimed that Mars belonged to...
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...Chapter 17, 18, & 19 With Chapter 17: Jane Melody has assigned you to plan integrated marketing communications for Sonic’s new product introduction. Review the data, decisions, and strategies you previously documented in your marketing plan before you answer the next three questions. • What communications objectives are appropriate for Sonic’s initial campaign? Answer: Brand Awareness will provide a foundation for brand equity. Consumers are more likely to recognize a package than to remember a brand name. In previous questions we discussed ways in which Sonic can use packaging and labeling to support its brand image. The idea is to grab the attention of the customer. The Sonic 1000’s features, customizations, performance quality, and reliability product differentiations will allow the consumer to recognize the brand outside the store. “Purchase intention is defined as the likelihood that a consumer will buy a product.” As discussed in previous questions, Sonic should provide consumers as well as businesses with product allowances on trade ins from previous devices when purchasing a Sonic 1000. Promotional offers will encourage consumers to buy Sonic’s new product by offering an incentive to upgrade from a previous PDA. Sonic on the initial campaign should set objectives in order to gain awareness from our preconceived target market. Sonic’s objectives need to focus on knowledge, liking, preference, conviction, and purchase. Right now Sonic needs to focus...
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...The MOBILE MEDIA tours were an initiative of the Ontario Arts Council (OAC) to help build audiences in northern and regional communities of Ontario for independently produced, artist-driven film and video. In 2005, the tour took place over four weekends in April and went to four communities Peterborough, North Bay, Thunder Bay and Sudbury). Each community had a 90-minute screening and a half-day workshop. A promotional poster and program guide, in both official languages, were made available free of charge by OAC to presenters and the public. The program guide included a critical essay contextualizing the MOBILE MEDIA tour within Ontario’s contemporary media arts practice. The practical and comprehensive workshop following each screening was facilitated by a group of media artists, the tour coordinator (Annette Mangaard) and an OAC granting officer. In 2006, the tour was expanded to 11 communities (Attawapiskat, Fort Albany, Guelph, Hamilton, Moose Factory, Moosonee, North Bay, Sault Ste. Marie, Sudbury, Timmins, Whitefish Lake First Nation). The screenings consisted of two 30-minute programs, curated through an open call to programmers, and one 30-minute program of work by local artists. The tour was co-presented by local individuals or organizations who provided the venue, screening equipment and volunteer labour and promoted the event to their community. Once again, a promotional poster and program guide were provided by the OAC. Filmmakers, programmers,...
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