Cisco Systems, Inc. 2011 Annual Report Annual Report 2011 Letter to Shareholders To Our Shareholders, Fiscal 2011 was one of the most transformative years we have seen at Cisco. We prioritized, simplified, and took action to drive Cisco’s continued market leadership. We aggressively changed the way we do business to become a faster and more agile partner, with the goal continuing to be to increase our ability to deliver unique value to our shareholders, customers, partners, and employees. Throughout
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2010 or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-5424 DELTA AIR LINES, INC. (Exact name of registrant as specified in its charter) Delaware (State or other jurisdiction of incorporation or organization) Post
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Factors which are seen as contributing to the increase in poverty in recent years: 1. Many of the groups most vulnerable have grown larger. As people live longer there are more elderly. As more people divorce there are more lone parent families; and there are more unemployed people. All these groups have many individuals who are dependent on welfare. 2. Poverty is also increasing among those who do not depend on welfare, such as families dependent on a low wage earner. The difference in earnings
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especially when they finish primary school and are on the threshold of starting their secondary education or suffering from life full of bad surprises. The reason why secondary education of girls is of crucial importance is associated with its dramatic effect on the economy and a wider society. Thus, referring to the idea that girls’ education is advantageous not only for individuals but also for the whole society, I would like to express my thoughts about its economic and social
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economic growth. Table of contents 1 Introduction 4 1.1 Definition of inclusive growth 4 1.2 Africa’s economic growth narrative 5 2 The Challenges of Africa’s Agricultural Sector 8 2.1 Issues surrounding Land Tenure and concomitant effects 8 2.2 Low diffusion and absorption of technology 11 3 The Role of Smallholder Farming for Africa’s Economic Growth – Evidence of an Emerging Consensus 13 4 Smallholder Farming Success Narratives 15 4.1 Botswana: Competitiveness of beef smallholder
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derived from an Italian word “Banca”. Banks perform various specialized functions. Banks may be defined in terms of the various functions it performs. So it is quite impossible to define bank in just one word. However, bank can be described as such a financial institution that takes in funds as deposits repayable on demand or at short notice. According to the Shorter Oxford English Dictionary, “Bank is an establishment for the custody of money received from or on behalf of its customers. Its essential
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GROUPON, INC. FORM Report) 10-Q (Quarterly Filed 11/09/12 for the Period Ending 09/30/12 Address Telephone CIK Symbol SIC Code Industry Sector Fiscal Year 600 WEST CHICAGO AVENUE, SUITE 830 CHICAGO, IL 60610 (312) 604-5515 0001490281 GRPN 7311 - Advertising Agencies Retail (Catalog & Mail Order) Services 12/31 http://www.edgar-online.com © Copyright 2012, EDGAR Online, Inc. All Rights Reserved. Distribution and use of this document restricted under EDGAR Online, Inc. Terms of Use. UNITED
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bank, with and the banks losses in other areas of the bank’s operations due to miscalculated acquisitions and bad lending practices (Gupta & Herman, 2010, p. 3). Mobile banking was one of management’s strategic approaches to rejuvenate the bank’s financial fortunes, maintain or increase its customer base and remain profitable. Management must make a decision on how to package the mobile banking program to the market considering cost and coverage to differentiate itself among competitors, and benefit
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LITERATURE REVIEW In the article “Credit Risk Rating at Large U.S. Banks” authors William F. Treacy and Mark S. Care say that risk ratings are the primary summary indicator of risk for banks’ individual credit exposures. They both shape and reflect the nature of credit decisions that banks make daily. The specifics of internal rating system architecture and operation differ substantially across banks. The number of grades and the risk associated with each grade vary across institutions, as do
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It is not the strongest of the species that survive, nor the most intelligent, but the ones most responsive to change. (Charles Darwin) Introduction In this chapter, we turn our focus to how organizations sustain advantage. We do this through exploring strategic change, while, to complement this in Chapter 12, we examine strategic innovation and corporate entrepreneurship. Strategic change is about ensuring that the organization is consistently relevant in its market arenas and, as the opening
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