The Future of Investment Banking The era of investment-banking (IB) post-economic crisis of 2008 will see increasingly modest returns and a much meeker future. Returns on equity (ROE)‚ a standard measure of profitability‚ once routinely ranged from 20-25%‚ have now halved to 13% and will continue to plummet to 6-9% by 2017 with the incorporation of new regulations. These regulations will fundamentally change the face of IB. Higher capital standards will force banks to shrink their balance sheets—making
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Regulation of Reproductive Technology Within the past couple decades‚ Assisted Reproductive Technology (ART) has become a booming industry‚ especially with the success of In Vitro Fertilization (IVF) procedure. Millions of infertile couples have looked into ART as a way to have children. Since 1980‚ there have been over 140‚000 babies born in the United States using IVF procedure. Just recently‚ the world has been amazed by the case of Nadya Suleman’s octuplets. Is this a message to all women that
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1 CORPORATE SOCIAL RESPONSIBILITY AS AN INTERNAL MARKETING STRATEGY C.B. Bhattacharya Sankar Sen Daniel Korschun July 2007 Forthcoming: Sloan Management Review‚ Fall 2007 Abstract In today’s economy‚ companies must work harder than ever to attract‚ retain and motivate talented employees. Our research shows that corporate social initiatives (CSR) can serve as a highly effective component of internal marketing programs by fulfilling employee needs and drawing them to identify strongly
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The rules and regulations of volleyball ’B’ League: (basic skilled players‚ beginning competition) 1. Overhand serves and spiking are allowed. 2. Underhand contact must be with closed fist. 3. You must "bump" the ball if it is below shoulder level. 4. Allow a double hit on first ball over net except with finger contact. ’BB’ League: (intermediate skilled players/competition) Violations that will be called in BB league: 1. Double hits: (one person contacting ball with hands apart‚ other
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Basketball is one of the most injury-prone contact sports. There are many regulations that have been made in an attempt to ensure player safety. One way to do this is to regulate the amount of space between the court and spectators or other obstacles. Seating and any other obstructions must be set a certain distance from the dimensions of the court. For high school basketball‚ it is recommended that obstructions be 10 feet away from the playing court. However‚ 3 feet is the minimum requirement. With
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place should a mechanical failure occur in American waters. The loss of 11 workers and the destruction of an ecosystem has forced the government and the American public to realize that BP and other companies have no qualms about ensuring that no regulation will stand in the way of their profit margins. In response to this fact‚ the government has tried to ensure the welfare of Gulf citizens by compelling BP to create a twenty-billion fund to help citizens affected by the spill ensure that they can
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MAXIMUM PRICE REGULATION | | | Nguyen Thi Xuan Quynh - 1001584Nguyen Thi Kim Chau - 1001587 | | 24 November 2010 | | | INTRODUCTION There are various types of government policy using only the tools of supply and demand. Price control is one of the tools that policymakers usually apply when the market price of a good or service is unfair to buyers or sellers. In this case‚ the government will intervene to reduce the market’s failure. Economic Intervention has two kinds:
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Software Requirements Document for BANK System Author: Andrew Laird‚ John Chargo‚ Guillermo Hernandez‚ John Leacox Version Date Author Change 0.1 09/05/04 SM Initial Document 0.2 02/01/06 JC Wrote 1.1-1.3‚ 2 Overview-2.1.3‚ 2.3 Designed sequence diagrams for 2.2.5 - 2.2.8 0.3 02/01/06 AL Designed 2.2.3 - 2.2.5 Designed sequence diagrams for 2.2.3 and 2.2.4 0.4 02/01/06 GH Designed 2.2.1‚ 2.2.2‚ 2.2.6 – 2.2.8 Designed sequence diagrams for 2.2.1-2.2
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RULES AND REGULATIONS Class Computer 1. Maintain the cleanliness of the monitor and the computer table daily. 2. DO NOT insert any hard drives (USB‚ CD etc.) on the computer without the teacher’s consent. 3. Do not use the PC without the teacher’s permission. 4. Use the computer properly and only when needed for class activities or lectures. 5. DO NOT download any software or applications in the system. 6. Unplug when not needed. II. Projector 1. Do not use the projector without the teacher’s
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control the commercial banking system of their countries. Compare to a commercial bank‚ a central bank have a monopoly on increasing the amount of money in the nation‚ and usually also prints the national currency‚ which usually serves as the nation’s legal tender. The primary function of a central bank is to manage the nation’s monetary policy‚ with active duties such as managing interest rates‚ setting the reserve requirement‚ and acting as a lender of last resort to the banking sector during times
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