✐ ✐ “jcr09009” — 2009/6/16 — 12:14 — page 57 — #1 ✐ The Journal of Credit Risk (57–76) ✐ Volume 5/Number 2‚ Summer 2009 Balance sheet exposures leading toward the credit crunch in global investment banks Omar Masood Business School‚ University of East London‚ Docklands Campus‚ University Way‚ London E16 2RD‚ UK; email: omar@uel.ac.uk This paper examines the effect of the 2007–8 predicament in the investment banking sector from a balance sheet perspective. The main factors that led to the
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and Academic Performance Out-of-School Factors That Affect Student Achievement Schools often receive blame for their students’ poor academic performance even though the teachers and principals work to provide strong curricula‚ high expectations‚ and safe climates. However‚ there are factors other than those that can easily be controlled by the schools that can affect school performance more than what the teachers and principals do. Out-of-School Factors Out-of-school factors (OSFs) must also
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College students who are stressed out over school can find it hard to maintain their grades. College isn’t as easy as high school nor is it as structure as high school. When you are in high school you have a handful of classes you must attend every day and many of them tend to give homework not because they like grading‚ but because they are trying to have their students to think critically and to be able to remember how something is done. By repeating a process it is more likely to be able to remain
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Employee Empowerment for Sustainable Design Elli Verhulst Norwegian University of Science and Technology‚ Norway University of Antwerp‚ Belgium Casper Boks Norwegian University of Science and Technology‚ Norway In sustainable product development literature the main focus has traditionally been on developing tools and methods to integrate sustainability in company processes. Attention was given mostly to technical aspects of products and processes‚ while the role of the individual employee and how
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AMERICA’S FOOD CRISIS How would you feel if you couldn’t afford to feed your kids? Wouldn’t you feel like a failure? I know I would. In Anna Quindlen’s essay “Schools out for summer” she writes about the struggle that is putting a meal on the table for your kids and how many kids’ parents depended on school to put a meal in their child’s stomach. She also says we need to step up and take action on the matter rather than basically look past it. But how effective was Anna in her essay? “Some kids
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| poojitha Abstract This study explores the current strategies that are being employed in mainstream schools that effectively comprises of the children with behavioural‚ emotional‚ and social difficulties (BESD). The influences that this inclusion has over the remaining children of the school are inspected‚ and ensure some strategies to be considered by all where the experience was as positive as possible. Few schools were visited and interviewed with the supporting staff and members of the leadership
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morning‚ I would like to present to you a public speech about ’Music helps us to express every kind of emotion and can induce multiple responses.’ Music. We hear it almost every day. No matter where we are‚ music will always be played either on the radio or just by humming a tune. Did you know that music started as early as the Paleolithic era? So music is about 200 000 years old. Music and society have always been intimately related. Music reflects and creates social conditions – including the factors
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“Words Taken For Granted” One day a young man‚ Jake‚ who was fourteen years old‚ came home from school in a terrible mood. He had failed a test that accounted for a big part of his literature grade‚ and to top it off he had after school detention for being tardy. This just wasn’t his day. "Jake!" his mom yelled. "What are you doing? You know you’re supposed to do your chores right when you get home! And your behind isn’t in here!" "I’m coming!" Jake yelled‚ getting up and making smart remarks
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MUSIC Music can be defined in many ways‚ but to summarize all the definitions‚ music can be defined as the art or science of combining vocal or instrumental sounds or both to produce beauty of form‚ harmony‚ and expression of emotion. It is said that a large percentage of old people who sing at the choir enjoy the harmony created and feel at peace. It is not really known from where music originated‚ but most probably the earliest humans
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The Road Not Taken Analysis Author: Poetry of Robert Frost | | Mountain Interval1916Two roads diverged in a yellow wood‚ And sorry I could not travel both And be one traveler‚ long I stood And looked down one as far as I could To where it bent in the undergrowth;Then took the other‚ as just as fair‚ And having perhaps the better claim‚ Because it was grassy and wanted wear; Though as for that the passing there Had worn them really about the same‚And both that morning equally lay
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