rating system and made a comparison of bank system relative to the rating agency system. They concluded that banks internal rating system helps in managing credit risk‚ profitability analysis and product pricing. Duffee and Zhou (1999) model the effects on banks due to the introduction of a market for credit derivatives; particularly‚ credit-default swaps. Their paper examined that a bank can use swaps to temporarily transfer credit risks of their loans to others‚ reducing the likelihood that defaulting
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THE DEHUMANISING EFFECTS OF THE COMPUTER REVOLUTION 1.0 The computer revolution Computer evolution had already passed its infancy from its introduction to the wide-reaching utilisation of the society today as the much-heralded ‘personal computer’ or simply PC led the revolutionary process by virtue of its prominence and visibility in the daily existence of humankind‚the application of computer goes above and beyond the convenience of storing and displaying data for practical use. Instead it now
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The Use of Computers on Car Crash-Analysis Programs In the world today‚ computers are used in every field. Be it a major space exploration or a small chore like cleaning our room. The use of computers has made our lives easier but at the same time a computer failure can make our lives miserable too. We trust computers more than we trust anything else these days. We use computers to communicate‚ share personal information‚ buy goods online‚ etc. We also trust computers with our safety. Starting
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list of factors that can convert computer games into real-life violence stimulators. Essay Questions: Why have computer games caught the attention of Mass Media nowadays? How can computer games stimulate violence in everyday life? What does New York University say in relation of computer games? Thesis Statement: The opinion that games make violent actions normal for the player and therefore make the player pitiless can be often heard. In this case the game is the cause of violence and the act
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have a clear view of their abilities‚ have good study habits and are able to use effective study skills. Learning how to study involves putting away the habits and ideas which have made study unpleasant and burdensome‚ and talking on habits and ideas which make study more pleasant and fruitful. Why does one individual learn more quickly and thoroughly than other? The main reason for inefficiency in learning is ones carelessness and ineffective study habits. According to
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The Effect of Study Habits on the Academic Performance Essays and Term Papers Educational Research and Reviews Vol. 6 (7)‚ pp. 522-527‚ July 2011 Available online at http://www.academicjournals.org/ERR ISSN 1990-3839 © 2011 Academic Journals Review The effects of poverty on academic achievement Misty Lacour1 and Laura D. Tissington2* 2 Southern Arkansas University‚ Magnolia‚ Arkansas‚ USA. th University of West Florida‚ 1732 N. 13 Avenue Pensacola‚ Florida 32503‚ USA. Accepted 12 May‚ 2011
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playing these online games said that they are playing these games just for fun‚ to keep away from the heat of the sun‚ without knowing that there are a lot of effects of playing these games that are more than what they think. Playing online games‚ according to some research is beneficial. It enables the mind of the players to be more active‚ especially those puzzle-based games. It helps the player to come up with decisions in tight situations‚ especially those adventure games that keep the players
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“NEGATIVE INFLUENCE OF COMPUTER GAMES ON YOUNG PEOPLE”. I. Introduction. A. Reasons for undertaking Research. It is known that we are living in technological era. The computers became irreplaceable tool in everyday life of almost each person. The adult users generally use it for business purposes while youngsters for computer games. Computers became the part of our life and very important component in many spheres of modern life. So it is somehow influences on people. One of the spheres of the life
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INTRODUCTION 1.1 Background to the study Foreign aid represents an important source of finance in most developing countries. It is estimated that foreign aid accounts for about 10 percent of the GDP and 40 – 70 percent of the government’s annual expenditure budget in Sub-Saharan Africa (SSA). It is estimated that over 90 percent of foreign aid projects in Sub-Saharan Africa (SSA) are implemented by foreign consulting firms. Critics of argue that foreign aid substitutes domestic resources through
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Living away from your country can be a really interesting and unforgettable experience‚ but at the same time it has very important effects on one’s life. The purpose of this essay is to discuss the three main effects that living in another country can produce in your personal life. The major effect‚ and also a very common one‚ is that once you start a regular life away from home‚ you miss everything. This fact doesn’t mean that you are unhappy but that you are aware of being on your own. Missing
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