19. The balance sheet of A. G. Fredwards‚ a government security dealer is listed below. Market yields are in parentheses‚ and amounts are in millions. a) What is the repricing gap if the planning period is 30 days? 3 months? 2 years? a. Repricing gap using a 30-day planning period = $150 - $340 = -$190 million. b. Repricing gap using a 3-month planning period = ($150 + $150) - $340 = -$40 million. c. Reprising gap using a 2-year planning period = ($150 + $150 + $100 + $50) - $340 = $110 million
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NOTICE: This PDF file was adapted from an on-line training module of the EPA’s Watershed Academy Web‚ found at http://www.epa.gov/watertrain. To the extent possible‚ it contains the same material as the on-line version. Some interactive parts of the module had to be reformatted for this noninteractive text presentation. A self-test is included at the end of the file. This document does not constitute EPA policy. Mention of trade names or commercial products does not constitute endorsement or recommendation
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may penetrate the surface and become groundwater. Groundwater either seeps its way to into the oceans‚ rivers‚ and streams‚ or is released back into the atmosphere through transpiration. The balance of water that remains on the earth’s surface is runoff‚ which empties into lakes‚ rivers and streams and is carried back to the oceans‚ where the cycle begins again. Lake effect snowfall is good example of the hydrologic cycle at work. Below is a vertical cross-section summarizing the processes of the
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Ocean Pollution “Over 80% of marine pollution comes from land-based activities” (WWF‚ May 4‚ 2006‚ p.1). The rest comes from ocean-based activities. Different types of pollution enter the ocean each year. The major pollutants are oil‚ toxic materials‚ and debris. These materials not only pollute the ocean‚ but they also affect the marine life. Before the 1970s there were no laws to prevent and stop people from dumping pollutants into the ocean. Since the early 1970s many laws and regulations
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According to Bank for International Settlements (BIS‚ 2009)‚ many banks struggled to remain adequately liquid during global financial crisis in mid-2007. Unprecedented levels of liquidity support were required from central banks in order to sustain the financial system. Even with such extensive support‚ a number of banks failed‚ were forced into mergers or required resolution. The crisis showed the importance of adequate liquidity risk measurement and management. Commercial banks were heavily exposed
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CHEMICAL PARAMETERS OF FRESHWATERS Objectives At the end of this section‚ students should be able to 1. Distinguish between freshwaters and seawater in terms of ionic composition. 2. Describe the variation of ionic composition in natural freshwaters and other inland waters. 3. Explain the factors that contribute to such variation. 4. Describe Gibbs’ model that explains the major factors contributing to variation in chemical composition of inland waters. 5. Explain
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the vegetative cover acts as a wind barrier as well. Terraces: Terracing is one of the very good methods of soil conservation. A terrace is a leveled section of a hilly cultivated area. Owing to its unique structure‚ it prevents the rapid surface runoff of water. Terracing gives the landmass a stepped appearance thus slowing the easy washing down of the soil. Dry stonewalling is a method used to create terraces in which stone structures are created without using mortar for binding. No-till farming:
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soil from the top and exposes subsoil while burying the top soil. Presenting farmers with different methods that do not include the use of tilling would lower soil erosion. Surface cover and runoff are great ways to manage soil erosion. Surface cover prevents heavy showers from deteriorating the soil while runoff focuses on managing the flow of water at a down slope (Preventing and Managing Erosion‚
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Pitch: This article is written to inform the reader of the issues pose by crown of thorns starfish on coral reefs. The target audience is the general public who may view coral reefs as a tourist destination. There is a need to warn about crown of thorns as research shows that it causes more destruction to corals reefs than bleaching or other disturbances. More details on how these starfish population boomed are given in the article‚ revealing both natural and anthropogenic factors. The article however
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range on south west and the temblor range on the north east. One of the major features in this ecosystem is Soda Lake. This is the only closed basins in the southern California coastal ranges; all other valleys have drainage to the sea. The water runoff soda lake comes from the Carrizo and carries sediment from the basin into it. The lake is a shallow ephemeral‚ alkali Endothecia Lake‚ which means it’s a short lived closed basin the high alkali level. The water and surrounding areas are home to many
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