Gap analysis is a technique of asset-liability management that can be used to assess interest rate risk or liquidity risk. Implementations for those two applications differ in minor ways‚ so people distinguish between interest rate gaps and liquidity gaps. This article discusses both. Gap analysis was widely adopted by financial institutions during the 1980s. When used to manage interest rate risk‚ it was used in tandem with duration analysis. Both techniques have their own strengths and weaknesses
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that I consider important to me but the few that are tell a story about my life. I have been awarded several medals from the United States Army; though all are important to me the one medal of seven that bears the most significance is the Army Achievement Medal for my service on funeral detail. I was put on funeral detail at the end of my contract with the US Army. At the very beginning I felt as though it was more of a burden that I would carry instead of the honor it holds. I have seen many
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AUDIT EXPECTATIONS GAP Definition i) Liggio (1974a) defines it as the difference between the levels of expected performance as envisioned by the independent accountant and by the user of financial statements. The Cohen Commission (1978) on auditors’ responsibility extended this definition by considering whether a gap may exist between what the public expects or needs and what auditors can and should reasonably expect to accomplish. ii) According to Guy and Sullivan (1988)‚ there is a
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Taking a gap year a sword with two blades. It strikes me that the students should take a gap year. I think that students should have the time to refresh their mind before joining university. However a sizeable number of people may oppose me. For instance‚ some people say that if the students took a gap year he / she can find a job‚ therefore they would earn money and they will not think about the university anymore. Moreover‚ the gap year makes the students lose their motivation and their
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limited to‚ labor workers’ safety codes‚ implementation of health regulation in the food production industries‚ and the expansion of freedom to women. The passing of labor laws and company health regulations are considered to be some of the biggest achievements during the progressive era. Workers of coal mining held strikes and petitions for shorter work days‚ safer working conditions and a better reasonable
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Overview * Background * Current Situation * Outlook * Pro/Con * Chronology * Short Features * Maps/Graphs * Bibliography * The Next Step * Contacts * Footnotes * About the Author * * Comments | Gender Pay Gap | Are women paid fairly in the workplace? | March 14‚ 2008 • Volume 18‚ Issue 11 | By Thomas J. Billitteri Introduction Former Goodyear manager Lilly Ledbetter won more than $3 million in a pay-discrimination suit against the tire firm‚ but the
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Her greatest achievement‚ by far‚ was the massive memorial temple at Deir el-Bahri‚ which is considered one of the architectural wonders of ancient Egypt. One of her other great achievements was a trading expedition to Punt that she authorized. It brought vast riches back to Egypt‚ including ivory‚ ebony‚ gold‚ leopard skins‚ and incense trees. Hatshepsut
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Rafael Yee World Geography 11/12/2012 Rafael Yee World Geography 11/12/2012 Elimination of Darien´s Gap Who will it truly benefit? Intro Darien´s Gap is an undeveloped‚ thick forest dividing Panama from Colombia. It is very short‚ about 160km‚ but because of the thickness of the forest and swamps it is very difficult to pass through it to go to Colombia. There is a wide debate that has been going through a long time ago deciding whether to open it or not. There are many reasons and
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Achievements Of Alexander the Great Alexander the Great was a king of Macedonia who conquered an empire that stretched from the Balkans to modern-day Pakistan. Alexander was the son of Philip II and Olympias (one of Philip’s seven or eight wives). He was brought up with the belief that he was of divine birth. “From his earliest days‚ Olympias had encouraged him to believe that he was a descendent of heroes and gods. Nothing he had accomplished would have discouraged this belief‚” writes Wellesley
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Wage Gap: The Other 23 Cents Imagine you and your co-worker – same position‚ same hours‚ same qualifications‚ same gender‚ and overall very similar – get your paychecks back and they got paid 1‚000 dollars while you get paid 770‚ 690‚ or even 550 dollars for the equal amount of work. That doesn’t seem fair now does it? Most of you probably would say no. So‚ let’s change it a little bit‚ same scenario‚ but this time you are either a minority sex or race compared to your white coworker‚ is that fair
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