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    financial firms enabled by technological progress among other factors‚ banks have been expanding both the scale and scope of their operations‚ largely through consolidations. This merger wave coincides with extensive deregulation‚ which has removed restrictions on product offerings and interstate banking. These changes have motivated many studies. The estimation of bank productivity and returns to scale is of particular interest because of its broad practical applications and important policy implications

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    A HOBBY

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    difference being that a professional receives compensation while an amateur does not. Contents [hide] 1 Etymology 2 Development into other ventures 3 Types 3.1 Collecting 3.2 Outdoor recreation 3.3 Performing arts 3.4 Creative hobbies 3.5 Scale modeling/dioramas 3.6 Cooking 3.7 Gardening 3.7.1 Indoor gardening 3.7.2 Water gardening 3.7.3 Container gardening 3.8 Reading 3.9 Sports 4 See also 5 References Etymology[edit source] In the 13th century‚ the term "hobyn" had the meaning

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    merely a chord. • Ignore the top scale‚ which is calibrated in inches. • Use the bottom scale‚ which is in metric units. • Notice that there is a fixed scale and a sliding scale. • The boldface numbers on the fixed scale are centimeters. • The tick marks on the fixed scale between the boldface numbers are millimeters. • There are ten tick marks on the sliding scale. The left-most tick mark on the sliding scale will let you read from the fixed scale the number of whole millimeters that

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    MUSIC THEORY Intervals      An interval is the distance between two notes. Intervals are always counted from the lower note to the higher one‚ with the lower note being counted as one. Intervals come in different qualities and size. If the notes are sounded successively‚ it is a melodic interval. If sounded simultaneously‚ then it is a harmonic interval.      The smallest interval used in Western music is the half step. A visual representation of a half step would be the distance between a consecutive

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    Strength Lab

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    weight hanger * slotted masses * vertical scale * stopwatch. Procedure Part I: Determination of k from Hooke’s Law 1. Suspend the spring from its support. 2. Hook the weight hanger from the bottom loop of the spring and determine the vertical scale reading of the bottom of the weight hanger. 3. Record this as the equilibrium position of the system. 4. Add 5 g to the weight hanger and again record the actual vertical scale reading. 5. Repeat this procedure for 10‚ 15

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    Dea Model

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    European Journal of Operational Research 154 (2004) 345–362 www.elsevier.com/locate/dsw Returns to scale in different DEA models Rajiv D. Banker a‚ William W. Cooper b‚ Lawrence M. Seiford c‚ Robert M. Thrall d‚ Joe Zhu e‚* c School of Management‚ The University of Texas at Dallas‚ Richardson‚ TX 75083-0658‚ USA Graduate School of Business‚ The University of Texas at Austin‚ Austin‚ TX 78712-1174‚ USA Department of Industrial and Operations Engineering‚ University of Michigan‚ Ann Arbor‚ MI

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    Sieve Analysis

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    CIVL 1101 Sieve Analysis - Introduction 1/7 Mechanical Analysis of Soil Mechanical Analysis of Soil  As complex as it is‚ soil can be described simply.  It consists of four major components: air‚ water‚ organic matter‚ and mineral matter. Mechanical Analysis of Soil  The structure of soil determines its suitability for concrete‚ road subsurface‚ building foundation‚ or filter media.  Soil has four constituent parts:  Sand is any soil particle larger than 0.06 millimeters (0.002 inches)

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    Evolution of Music

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    Audience and Purpose: This paper is geared towards people who are interested in the evolution/history of different areas in music‚ anyone studying music‚ and people who want to learn about scales. This paper might be placed in a magazine‚ on a website or a segment on the history channel about music. When I was a little girl learning how to play the piano‚ I didn’t like it very much. One reason was that I was being forced by my parents to take piano lessons in the first place. Secondly‚ I had to

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    Scoring Keys

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    Sociability Liveliness Agreeableness Forgiveness Gentleness Flexibility Patience Conscientiousness Organization Diligence Perfectionism Prudence Openness to Experience Aesthetic Appreciation Inquisitiveness Creativity Unconventionality (interstitial facet scale) Altruism 1R‚ 25R‚ 49‚ 73 7‚ 31‚ 55R‚ 79R 13R‚ 37‚ 61‚ 85R 19R‚ 43‚ 67‚ 91R 97‚ 98‚ 99R‚ 100R 2‚ 26‚ 50R‚ 74R 8‚ 32‚ 56R‚ 80R 14‚ 38R‚ 62‚ 86 20R‚ 44R‚ 68‚ 92R 3‚ 27‚ 51R‚ 75R 9R‚ 33‚ 57‚ 81 15R‚ 39‚ 63R‚ 87R 21R‚ 45‚ 69‚ 93R 4‚ 28‚ 52R‚ 76R 10R‚ 34

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    Aeromodelling

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    Designs range from simple glider aircraft‚ to accurate scale models‚ some of which can be very large. Models may be built either as static non-flying models‚ or as flying models. Construction techniques for the two are usually very different. Static model aircraft Fokker F28 Schabak Modelle US Airways Airbus A330 Tamiya 1/48 scale Brewster Buffalo aircraft Static model aircraft (i.e those not intended to fly) are scale models are built using plastic‚ wood‚ metal or paper. Some

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