securities lending markets. Framework It is worthwhile considering four extreme cases‚ and then considering how migrations are likely to occur between the situations. The four situations are where the originator/lender has strong or weak underwriting‚ and the mortgage insurer has strong or weak insurance underwriting standards. This can be shown in a matrix as follows‚ together with a high level summary of the expectations under each of the four circumstances. T The insurance industry plays
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The disadvantage of the Reproductive Health Bill in the Philippines is the undue focus being given to reproductive health and population and development‚ when many more urgent and important health problems need to be addressed in the country‚ those that cause a significant number of deaths across the country such as cardiovascular diseases and infections. Financial resources allotted by foreign donors to assist the Philippine government programs could actually be better spent towards pursuing health
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2. BACKGROUND The study of Working Capital Management cannot be over emphasised. It is a very important element in corporate financing and very crucial to company survival. Companies usually require an optimal level of working capital to meet daily obligations‚ continue production and make profit. However‚ some managers fall short and the companies liquidate. According to Harris (2005) “Working capital management is a simple and straight forward Concept of ensuring the ability of the firm to fund
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For some time working mothers have been blamed for the neglect of their children‚ the breakdown of the family‚ and the decline of our society. Rather than the female workforce consisting mainly of women who either have adult children or are childless‚ recent decades have witnessed a growing proportion of employed women with children‚ especially young children Recent statistics show that 42 per cent of mothers with children aged newborn to four years are employed. The question we
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The International Labour Office (International Labour Organization (ILO)‚ 1990a) defines working in shifts as “a method of organization of working time in which workers succeed one another at the workplace so that the establishment can operate longer than the hours of work of individual workers.” The European Council Directive 93/104 (1993) declares that concerning certain aspects of the organisation of working time‚ shiftwork shall mean any method of organising work in shifts whereby workers succeed
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How to build strong communication in the home Communication‚ effective and open‚ is an important part of strong‚ healthy families. It is an essential tool for developing and maintaining strong marital‚ parental and sibling relationships within the family. Family communication differs from other forms merely because it is attached to the growth of a family unit as a whole. Verbal and non-verbal information is exchanged daily and being able to pay attention to what others are thinking and feeling
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school and college students work part-time. Does this affect their school performance? Employment during school could improve grades if working fosters attributes that are complementary with academic success‚ such as industriousness or time management skills‚ or instead reduce grades by constraining time and energy available for schoolwork. Alternatively‚ working might be correlated with academic performance‚ yet not directly impact it‚ if unobserved student differences influence both labor supply
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The Disadvantages of Tuition Reimbursement By Jennifer Erchul‚ eHow Contributor Tuition reimbursement can help make getting your education a little easier financially. Many employers offer this option to employees looking to increase their knowledge or earn degrees in a specific field. However‚ tuition reimbursement comes with some disadvantages‚ too. If you ’re considering tuition reimbursement‚ you should read the fine print to be sure you understand all the details before you accept this generous
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common value and fundamental conceptions in the corporation‚ strong and inclusive organizational culture has been mentioned frequently（Braşov 2011‚ P.112）. POPA (2011‚P.114) indicates that ‘It integrates everything that defines the success of an organization.’As per Schein (1990‚ P.113)‚ defines stong and inclusive organizational culture is a necessary collections of believes and values that contribute to a successful corporation. A strong and inclusive Organizational culture plays an important role
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Reaganomics Reaganomics was an economic policy that was advocated during the 1980s by President Ronald Reagan and is still widely practiced to date. This essay will discuss Reaganomics in details. The work will also state the advantages and disadvantages of Reaganomics. The importance of the policy was to lower the increase in government spending‚ to reduce taxes such as capital gains and federal income. The policy also aimed at decreasing inflation through tightening the money supply. The other
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