3-56. North-Holland Common risk factors in the returns stocks and bonds* Eugene F. Fama and Kenneth on R. French Unirrrsit.v 01 Chicayo. Chiccup. I .L 60637‚ C;S;L Received July 1992. final version received September 1992 This paper identities five common risk factors in the returns on stocks and bonds. There are three stock-market factors: an overall market factor and factors related to firm size and book-to-market equity. There are two bond-market factors. related to maturity and default
Premium Stock Stock market Average
American citizens with disabilities began to join forces in the 1960’s. They all saw the same problem; disabled people were not treated equally. Disabled and non-disabled people nationwide began to band together for the common cause demanding equal treatment‚ equal access‚ and equal opportunity for all. Although this movement began in the 1960’s‚ nothing happened until 1990. In 1990‚ the Americans with Disabilities Act (ADA) expanded the freedoms and hopes of individuals with impairments through
Premium Disability Americans with Disabilities Act of 1990 United States
neurotoxin that can be deadly (Geiling). What give the phytoplankton the conditions to grow are the increasing temperatures of the oceans. Emissions are coming from places like cement production (which is a leading cause) deforestation‚ and fossil fuels like coal‚ natural gas and oil‚ which increase carbon emissions‚ which in turn‚ increase ocean temperatures. Without a human element on earth‚ the normal rate of carbon emissions would be drastically lower than what is it today and ocean temperatures
Premium Carbon dioxide Global warming Ocean
Desiree’s Baby By: Kate Chopin Interpretation Essay In the story “Desiree’s baby”‚ the author writes about a great tragedy which is told using the slave settings of the 1800’s when being black was seen as a curse and the brand of slavery reigned the African American race. In the beginning of the story‚ Desiree is found abandoned‚ by Madame Valmonde and is adopted by her and her husband. As years passed‚ Desiree becomes a beautiful and gentle woman whom catches the attention of a
Free Love Emotion Psychology
The Decrease of Coral Reefs Taylah Bruce Science 10.3 The Decrease of Coral Reefs In Australia‚ particularly‚ the rapid decrease of coral is becoming a vast issue. Our most prominent body of coral‚ The Great Barrier Reef‚ is facing annual bleaching within the next twenty years due to warmer‚ more acidic seas. It has alerted scientists all over the world of the future we face and many have come together in hope of conserving this amazing natural wonder and the millions of marine life that
Premium Coral reef Great Barrier Reef Coral bleaching
What factors determine/influence the food choice people make? Food‚ which is the only energy source for human‚ is essential in peoples’ life. It has many different kinds which gives people different kinds of nutrition. Go through the thousands of years of evolution‚ diet have become not only an important part of peoples’ life but also a culture. People who are living all over the world have different food choices. The three important factors that influence the food choices people make are environment
Premium Nutrition
Desiree’s Baby” Skin Color‚ Genetics‚ & Biotechnology Part I – A Mendelian approach "Desiree’s Baby" is a very moving story that shows us the horror of racism‚ but is it scientifically accurate? Questions 1. According to the story‚ Madame Valamonde and Armand noticed the baby’s dark skin several weeks before Desiree. Can you offer a possible explanation for this gradual increase in pigmentation over the course of three months? 2. Assuming the inheritance of skin color in "Desiree’s Baby" follows
Free Genetics Allele Gene
I.) Berlin’s interest in ‘desire for status and recognition’ may be contextualized as a desire to be favorably received in a society of others: status comprises the wish to hold a position of value within society‚ and recognition comprises the wish to have one’s autonomy and humanity affirmed by others. Its value to individuals and groups may be understood in the context that an individual’s environment plays a role in its definition and mode of being. There are several examples of this impulse
Premium Sociology Europe Psychology
Tara D. Frazier Frazier Mr.Bluhm Page 1 ENG 110 05/21/2013 Babies Having Babies It’s a gloomy‚ rainy day when I see the young girl sitting at the bus terminal in a yellow rain slicker. She sits alone‚ soaking wet. My seventeen year old daughter elbows me leaning her head in the direction of the young girl who is obviously very pregnant and whispers‚ “Mom‚ how pregnant do you think she is?” which she immediately follows with‚ “Man‚ she’s young!” I take a closer look at
Premium Girl Pregnancy Infant
how great it is‚ you aren’t in a wheelchair‚ your brain functions correctly‚ and you have friends‚ but some people go through that struggle and it makes their life difficult. Through the 1900s-1950s people with disabilities weren’t treated very well‚ they didn’t get medicine or any professional help through their life. In 1907 the Eugenic Sterilization Law was passed and it was for people who were disabled. People thought they could catch whatever they had and they didn’t want to be thrown into an
Premium Disability Disability rights movement Wheelchair