... by providing a low cost, high impact inspira-onal service to Americans between the ages of 18 and 25 who have not developed a global perspec-ve through travel to the developing world. Trips will consist of three stages: an ini-al team bonding stage that acquaints par-cipants with the local culture and history together, a home stay where adventurers live alone with a local family to experience, first hand, life in the community, and a final reflec-on period and farewell event. This innova-ve 10...
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...Risk Ratios Risk Ratio of a bank expresses a bank’s position against business and financial risks.These show how the bank has managed to take provision against risky assets (financial risk) as well as how it’s income has varied (business risk) over a period of time. This takes into account all the component of risky assets. The income, loans against assets. Loans against deposits as well as provision for loan losses are highlighted to give a full view of the precaution taken and state against the various types of risks it faces. Risk ratio of Premier Bank Risk Ratio of MTB: A Comparative View 1. Net Interest Margin Net interest margin is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their (interest-earning) assets. It is similar to the gross margin of non-financial companies.It is usually expressed as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets) Net interest margin is also similar in concept to net interest spread, but the net interest spread is the nominal average difference between the borrowing and the lending rates, without compensating for the fact that the earning assets and the borrowed...
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...Streetcar Named Desire' where Blanche DuBois and desire are inextricably linked. Indeed, she arrives in Elysian Fields after taking a streetcar named desire. One critic has said that the journey which Blanche takes to get to her sisters apartment on a streetcar named Desire and and then changing to a streetcar named Cemetries reflects her overall journey through life. For example, in her youth she rode on her desires and during as well as after the play takes place, she changes to a morbid route, described as "Cemetries". In some sense, her quest for desire was as short lived as her tram ride. Another moment where the idea of desire is evident is when Stanley tells Stella that "I (he) am the king around here, so don't forget it." which reflecs his desire to have power and control over everyone in his 'domain'. This is one moment in the play where Stanley's true controlling ideas are shown to the audience. Through Stanley, Williams presents us with the idea that he is one who has achieved his desrie of being unnapposed in his society. An example of this is at the end of the play where Stanley isn't held accountable for a crime he has committed (the rape of Blanche) and his life goes back to how it was at the beginning of the story with him keeping control of his life and the lives of the surrounding characters. This also gives the audience a sense of futility of the life and how so much can change but at the end of an episode the status quo isn't guaranteed to change. Blanche...
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...249.252.231/casestudies/mumbai/ME0006.asp#_ftn1 1/4 7/13/12 IBS Case Studies Demand for gold is a w ides pread obs ervable fac t ac ros s the w orld. How ever, the major demand for gold c omes from five c ountries , namely India, Italy, T urkey, US and China. Among thes e c ountries , w hic h ac c ount for 55% of the total gold demand, India’s s hare alone c omes to around 25%. Cultural and religious traditions involving w earing of jew ellery play a major role in influenc ing Indian gold demand. Around 75% of the w orld demand for gold is jew ellery-bas ed and the res t 25% is inves tment bas ed. Speaking about India’s fondnes s for gold, Lord J ohn Maynard Keynes is alleged to have remarked, “India’s gold c ons umption reflec ts the ‘ruinous love of a barbaric relic ’. ”[1] In India, there is a huge mis...
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...Arianne Dyball MAIN Geography Miss Green Issue I Will be looking into Exploitation of workers. Wages and Hours? Child Labour? How are employees treated? Safety and exposure to toxins and lack of trade unions and equal rights for disabled e.t.c.? Global issues, how is waste disposed? Are any resources being polluted? Carbon footprints? Primark Evidence found underpaying workers and not paying overtime. Evidence found child labour being used. Evidence found of lack of regard for workers’ rights and lack of safety. Marks and Spencer's Evidence found fair pay for workers. Evidence found of use of child labour early on. Evidence found helping to assist workers to be shown how to how to do job properly. Evidence found changing to more ecofriendly recycled bags. Evidence found helping environment with ‘Plan A’. Evidence of Social Responsibility for Primark. This shows that Primark takes into account all social issues relating to the customers and stake holders. Evidence 1. This is an opinion of a stake holder (Primark’s owner). Primark's code of Conduct Primark’s code of Conduct: • Employment is freely chosen collective bargaining are respected • Working conditions are safe and hygienic • Child labour shall not be used • Living wages are paid • Working hours are not excessive • No discrimination is practised • Regular employment is provided • No harsh or inhumane treatment is allowed. • Freedom of association and the right to A limitation is that...
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...Hampton Machine Tool Company On September 14, 1979, Mr. Jerry Eckwood, vice president of the St. Louis National Bank was considering a loan request from a customer located in a nearby city. The company, Hampton Machine Too] Company, had requested renewal of an existing $1 million loan originally due to be repaid on September 30. In addition to the renewal of the existin- loan, Hampton was asking for an additional loan of $350,000 for planned equipment purchases in October. Under the terms of the company's request, both loans, totaling $1.35 million, would be repayable at the end of 1979. Since its establishment in 1915, Hampton Machine Tool Company had successfully weathered the severe cyclical fluctuations characteristic of the macl-tine tool manufacturing business. In the most recent cvcle, Hampton had experienced record production and profitability during the niid- and late 1960s. Because Hampton's major customers included the aircraft manufacturers and automobile manufacturers in the St. Louis area, the company's success in the 1960s reflected a strong automobile market and the heavy defense spending associated with the Vietnam War. Hampton rode the 1960s boom into the early 1970s. Hampton, along with the rest of the capital goods industry, experienced a severe decline in sales and profitability in the rriid-1970s. Precipitous declines in the production of automobiles in St. Louis facilities reflected the Arab oil embargo, subsequent increases in the price of...
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...MGMT 280 Business Communica3ons Class 3 Tuesday, January 15, 13 1 But first.... A story about Love Communica3ons And Rela3onships Tuesday, January 15, 13 2 Tuesday, January 15, 13 3 A Review of the Basics 1/3 of the class did not follow direc7ons Tuesday, January 15, 13 4 (I am trying to help you get prepared for the real world) 1. All email goes to this email address only: barnesjw@seaEleu.edu 2. Meet the deadlines. One email message said, “Hey professor, sorry I was traveling.” 3. Save papers with your name, class name, and assignment name in the file name. Example: John Doe, MGMT 280, Nonverbal Assessment. Do not save your papers with file names such as: “paper” “first paper” “MGMT 280” “nonverbal paper” “280 paper” 4. All email messages must have an email signature. Tuesday, January...
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...FAKULTI PENDIDIKAN DAN BAHASA SEMESTER SEPTEMBER 2014 HBHE1203 PEDAGOGI PENDIDIKAN KESIHATAN TAJUK : 1. Bagaimana Kemahiran Berfikir Aras Tinggi (KBAT) dapat dikembangkan secara berkesan dalam pengajaran dan pembelajaran Pendidikan Kesihatan peringkat sekolah rendah di Malaysia. 2. Menyediakan Rancangan Pelajaran Harian dalam bentuk grafik terhadap pemupukan Kemahiran Berfikir Aras Tinggi (KBAT) dalam pelajaran yang dirancang. NAMA : ROZEKIYAH BT YAAKOB NO. MATRIKULASI : 711207075482001 NO. KAD PENGENALAN: 711207075482 NO. TELEFON : 019-2185815 E-MEL : roze1971@oum.edu.my PUSAT PEMBELAJARAN: PUSAT PEMBELAJARAN SUNGAI PETANI ISI KANDUNGAN Muka Surat TUGASAN 1 – Kemahiran Berfikir Aras Tinggi (KBAT) 3- 8 dalam Pendidikan Kesihatan * Pengenalan 3 * Definisi Kemahiran Berfikir Aras Tinggi (KBAT) 4 * Mengapa Kemahiran berfikir Aras Tinggi Dalam 5 Pembelajaran Pendidikan Kesihatan? * Kesimpulan 8 TUGASAN 2 – Rancangan Pengajaran Harian Pendidkan Kesihatan 9-16 * Rancangan Pendidikan Harian dalam bentuk grafik 9 - 13 * Huraian Rancangan Pengajaran Harian dan penerapan 14- 15 elemen KBAT * Kesimpulan 16 Lampiran Rujukan Tugasan 1 Bagaimana Kemahiran Berfikir Aras Tinggi (KBAT) dapat dikembangkan secara berkesan dalam pengajaran dan pembelajaran Pendidikan Kesihatan...
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...A 10 oward C ic~~) s 15 The boy’s name was Keshav, the girl’s Prema. They went to the same college, they were in the same class. Keshav believed in new ways and was opposed to the old caste customs. Prema adhered to the old order and fully accepted the traditions. But ali the same there was a strong attachment between them and the whoie college was aware of it. Although he was a Brahman Keshav re garded marriage with this Baniya girl as the culmination of his life. He didn’t care a straw about his father and mother. Caste traditions he considered a fraud. If anything embodied the truth for him it was Prema. But for Prema it was impossible to take one step in opposition to the dictates of caste and fami ly. 10 her from their own blood and reared her with love. To Keshav she said hum bly, ‘Can love be considered only in terms of husband and wife and flot friend ship? I think of love as an attachment of the soul~~ ‘You’il drive me crazy with your rationalizations,’ Keshav said harshly. ‘Just understand this if I’m disappointed I can’t go on living. I’m a material ist and it’s flot possible for me to be satisfied with some intangible happ ness in the world of the imagination.’ He caught Prema’s hand and tried to draw her toward him, but she broke away and said, ‘I told you I’m flot free. Don’t ask me to do something I have norighttodo.’ If she’d spoken harshly he would flot have been so burt. For an instant he restrained himself, then he stood up and said sadly...
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...that stands apart from humanity, it is quite profoundly a human creation-indeed, the creation of very particular human cultures at very particular moments in human history. It is not a pristine sanctuary where the last remnant of an untouched, endangered, but still transcendent nature can for at least a little while longer be encountered without the contaminating taint of civilization. Instead, it is a product of that civilization, and could hardly be contaminated by the very stuff of which it is made. Wilderness hides its unnaturalness behind a mask that is all the more beguiling because it seems so natural. As we gaze into the mirror it holds up for us, we too easily imagine that what we behold is Nature when in fact we see the reflec- 69 70 / UNCOMMON GROUND tion of our own unexamined longings and desires. For this reason, we mistake ourselves when we suppose that wilderness can...
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...CHAPTER 20 QUESTIONS 1. Comparability enables users to relate accounting information to a benchmark or standard. The benchmark may be in the form of another firm’s financial statements or financial data of the same firm but for some other time period. An accounting change could make it difficult to compare data from one period to another or from one firm to another, thus detracting from comparability. For example, if a company switched from straight-line depreciation to double-declining-balance depreciation in 2015, depreciation expense for 2015 could not be compared with prior years’ depreciation expense without knowing the effects of the change in accounting for depreciation. Consistency means that a company applies the same methods to similar transactions and events from period to period. Therefore, accounting changes, especially changes in methods used, would detract from the informational characteristic of consistency. 2. a. Change in accounting estimate. As a result of experience or the availability of new information, a company may revise estimates used in the measurement of income. b. Change in accounting principle. A change in accounting principle or meth-od may be required due to changing economic conditions or as a result of a new pronouncement issued by an authoritative standard-setting body. 3. Alternative procedures suggested for reporting accounting changes are as follows: a. Restate the financial statements presented for prior periods to reflect...
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...The Surface Properties of Cancer Cells: A Review Al. ABERCROMBIE ANDE. J. AMBROSE (University College; and Chester Realty Research Institute, Institute of Cancer Research, London, England) BIOLOGICAL ASPECTS Local invasiveness Metastasis Disorganization Growth and Mitosis Conclusions PHYSICAL ASPECTS Adhesivenessof Normal and Tumor Cells . . Mechanisms of cellular locomotion .... ITltrastructure of cell contacts Biochemicalproperties oftumor cellmembranes 525 3. Disorganization. The malignant cells as they 525 multiply fail to form tissue of the arrangement 532 characteristic of their normal counterparts. 532 4. Persistent growth. The malignant cell popu 532 lation keeps up a continuous growth by mitosis. 532 534 LOCAL INVASIVENESS 534 We must first consider what is the mechanism 539 541 of movement of malignant cells when they invade 543 their immediate surroundings. Probably the main mechanism is active "amoeboid" cell locomotion, In recent years attention has been increasingly which was first recorded for cancer cells nearly a turning to the cell surface as the seat of an impor century ago. Since the advent of tissue culture it tant part of the malignant transformation. This has been observed in a very wide range of metawidening of the field of interest of cancer workers zoan cells. Until the mechanics of this style of owes its beginning largely to the work of Coman locomotion are better understood it seems prefer (34). Coman was concerned with how invasion and able...
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...BS (4 Years) for Affiliated Colleges Course Contents for Subjects with Code: ENG This document only contains details of courses having code ENG. Center for Undergraduate Studies, University of the Punjab 1 BS (4 Years) for Affiliated Colleges Code ENG‐101 Year 1 Subject Title Introduction to Literature‐I (History of English Literature‐I) Discipline English Cr. Hrs 3 Semester I Aims: One of the objectives of this course is to inform the readers about the influence of historical and socio-cultural events upon the production of literature. Although the scope of the course is quite expansive, the readers shall focus on early 14th to 19th century Romantic Movement. Histories of literature written by some British literary historians will be consulted to form some socio-cultural and political cross connections. In its broader spectrum, the course covers a reference to the multiple factors from economic theories to religious, philosophical and metaphysical debates that overlap in these literary works of diverse nature and time periods under multiple contexts. The reading of literature in this way i.e. within the sociocultural context will help the readers become aware of the fact that literary works are basically a referential product of the practice that goes back to continuous interdisciplinary interaction. Contents: • Medieval Period • Renaissance and Reformation • Elizabethan Period • Milton, the Metaphysical...
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...PREFERRED STOCK, LEASING, CONVERTIBLES, WARRANTS, AND OPTIONS II IIJ Understand the basic rights of preferred stockholders, the features of preferred stock, special types of preferred stock and the advantages and d isadva ntages of preferred stock. Review the basic types of leases, leasing a rrangements, the lease contract, the lease-versus-pur chase decision, the effects of leasing on future financing , and the adva ntages and d isadvan tages of leasing. Describe the basic types of converti ble securities, their general fea tures-incl ud ing the conver sion ratio, conversion period, conversion (or stock) value, and effect on earnings-and financ ing with convertibles. • II Demonstrate the procedures for dete rmi ning the stra ig ht bond value, conversion (or stock) va lue, and market value of a convertible bond. Explain the basic characteristics of stock purchase wa rrants, the implied price of an attached warrant, and the va lues of warrants-theoretical, market, and warrant premium. Define options and discuss the basics of ca ll s a nd puts, options markets, options trading, the role of call and put options in fund raising, and using options to hedge foreign currency expo sures. the DISCIPLINES CHA PTER 14 I S I MPOR TA NT TO • u((ounting personnel who will provide important data a nd tax insights to the lease-versus-purchase decision process. • information systems analysts who will design systems that p'ro vide...
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...Essays on Service Improvisation Competence: Empirical Evidence from The Hospitality Industry A Dissertation Presented to the Graduate School of Clemson University In Partial Fulfillment of the Requirements for the Degree Doctor of Philosophy Management by Enrico Secchi August 2012 Accepted by: Dr. Aleda V. Roth, Committee Chair Dr. Thomas A. Mroz Dr. Gulru Ozkan Dr. Rohit Verma Abstract This dissertation explores the service design antecedents and the performance outcomes of Service Improvisation Competence (Serv–IC)—the ability of service employees to deviate from established processes and routines in order to timely respond to unexpected events, using available resources. Service operations and strategy research have strongly highlighted the importance of possessing flexibility in order to face the uncertainty derived from the interaction with the external environment (Tansik and Chase 1988, Eisenhardt and Tabrizi 1995, Brown and Eisenhardt 1998, Frei et al. 1999, Menor et al. 2001, Frei 2006). An important component of the ability of service firms to adapt to customer requests, expectations, and needs rests in the systemic ability of frontline employees to creatively adapt to the challenges posed by the constant struggle to satisfy customers. This dissertation is composed of three essays. In Essay 1, we build the theoretical framework necessary to advance a theory of Service Improvisation Competence, and we propose a nomological network that links service delivery...
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