...parents out there who are surprised by these numbers and yet, what were they doing in college or when the drinking age was 18? How do you expect your kid to just say no, when you said yes not that long ago? Talk to your teenagers and be honest with them! ~ Amy. RN ~ [pic] While some national surveys have documented a significant decline in the use of other drugs by high school seniors and college-age youths, there have been only small declines in the numbers reporting binge drinking. Teenagers and young adults drink alcoholic beverages at about the same rates they did 5 years ago. Binge drinking increases the risk for alcohol-related injury, especially for young people, who often combine alcohol with other high-risk activities, such as impaired driving. According to the Centers for Disease Control and Prevention, the four leading injury-related causes of death among youths under the age of 20 are motor vehicle crashes, homicides, suicides, and drowning. Alcohol is involved in many of these deaths. Sexual encounters with their risks of pregnancy, STDs, and HIV exposure, as well as date rape and other violence, can and do occur more frequently while students are consuming large amounts of alcohol by binge drinking. Binge drinking, or the partying lifestyle of young people may be...
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...Critical Pathway: Case Study of Chronic Renal Failure Advanced Pathophysiology NURS 5104 October 4, 2013 Critical Pathway: Case Study of Chronic Renal Failure I. Introduction Mr. P. J., a 38-year-old African American male, presented to the Emergency Department by the rescue squad team, with a six day old complaint of increased swelling of the bilateral lower extremities, unusual weight gain, and a feeling of ‘I can not breathe’ per patient. Patient was sent as a direct admit to the Intensive Care Unit (ICU) and placed on 2 liters NC with hydration and adult special care monitoring. Vital signs were taken by the paramedic enroute revealing the following: Ambulance Vitals: * BP 202/112 * Pulse 101 * Respirations 20 * O2 86% before O2 * Temp. 98.4 * Height 5’10 Patient stating * Weight 222 lbs. Patient stating (weighed the day before) The paramedic started a 20 gauge IV into Mr. J’s right antecubital and started him on 2 liters nasal cannula; due to the “presence of crackles no Procardia was administered” (J. Madden, personal communication, August 14, 2013). The paramedic monitored the vitals and reported to medical control the situation and estimated time of their arrival in five minutes. Mr. P. J. has been married to K for twenty years and they have one child, a twelve-year-old daughter. Mr. P. J. has worked in construction for twenty years; Mr. J stated working on his feet all day he noticed the swelling six days ago...
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...Internship Report On Credit Management Of First Security Islami Bank Limited(FSIBL) - A Case Study Supervised by Kamrul Hasan Assistant Professor Department of Business Administration Southern University Bangladesh Prepared By Rahul Palit ID-111-30-14 Major –Finance Date of submission: 8th OCTOBER, 2012 Letter of Transmittal 8th OCTOBER, 2012 Dean Faculty of Business Administration Southern University Bangladesh Subject: Submission of Internship Report. Dear Sir, It is my great pleasure to submit the internship report on Credit Management of First Security Islami Bank Limited (FSIBL) - A Case Study. I made sincere efforts to study related materials, documents, observe operations performed in First Security Islami Bank Limited. and examine relevant records for preparation of the report. I had to put in a lot of effort & hard work to the preparation of this report with the help of all the bank officials in the Bahadder Hat Branch. Within the time limit, I have to make this report as comprehensive as possible. But there may be some mistakes due to various limitations. For this reason, I ask for your kind consideration in this regard. Yours Faithfully, --------------------------Rahul Palit ID-111-30-14 Students Declaration I hereby announced that the extensive study entitled Credit Management of First Security Islami Bank Limited (FSIBL) - A Case Study.(Conducted on behalf of First Security Islami Bank Limited, Head Office, HR Division)Prepared in partial...
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...NURSING CARE PLAN COURSE: Basic Adult Health CLIENT INITIALS: DATE OF ADMISSION: AGE: GENDER: JL June 13, 2011 85 M HT: WT: ALLERGIES: 140 lbs. NKA CODE STATUS: FULL RACE/ETHNICITY: CULTURAL CONSIDERATIONS: Caucasian None RELIGION/SPIRITUAL CONSIDERATIONS: Unknown OCCUPATION/HOBBIES/RECREATIONAL ACTIVITIES: Retired LIVING SITUATION/WITH WHOM: (home, assisted living, LTC, etc) Lives with daughter. SOCIAL HISTORY: (tobacco, ETOH, illicit drugs, family dynamics) Quit smoking many years ago, no history of ETOH or drug use. NURSING CARE PLAN ADMITTING MEDICAL DIAGNOSIS: Client's principal admitting diagnosis was leukocytosis. Definition: (from Taber’s) “An increase in the number of leukocytes (usually above 10,000/mm3) in the blood. It occurs most commonly in disease processes involving infection, inflammation, trauma, or stress, but it also can result from the use of some medications” (Venes, 2009, p. 1327). Etiology/pathophysiology: ( NOT from Taber’s or Wikipedia) Etiology: Causes of leukocytosis are infection, inflammation, tissue damage, immune reaction, bone marrow problems, medications, and stress (Drug Information Online, 2011). Pathophysiology: “Leukocytosis can be a reaction to various infectious, inflammatory, and, in certain instances, physiologic processes (eg, stress, exercise). This reaction is mediated by several molecules, which are released or regulated in response to stimulatory events that include growth or survival factors (eg, granulocyte...
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...Statements 140 Notes to Consolidated Financial Statements Resources and Directories 202 Glossary of Financial Terms 204 Where to Find More Information IBC Shareholder Information now it gets interesting Financial Snapshot Reported 1 Adjusted 1,2 As at or for the year ended October 31 2015 2014 2015 2014 19,389 18,223 19,391 18,223 liabilities3 (CCPB) (p 41) 1 1,254 1,505 1,254 1,505 Revenue, net of CCPB (p 38) 18,135 8 16,718 18,137 16,718 612 561 612 561 12,182 10,921 11,819 10,761 4,405 4,333 4,681 4,453 6.57 6.41 7.00 6.59 12.5% 14.0% 13.3% 14.4% (3.0)% (2.7)% (1.3)% (1.6)% 10.7% 10.1% 10.7% 0 % 10.1% 2,104 2,016 2,108 2,020 U.S. P&C (p 51) 827...
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...Student Name : Student ID No. : Course No. : MGT 195 Course Name : Business Policy and Strategy Title of the Assignment : Strategic Planning at The Chronicle Gazette Date of submission : March 5, 2012 Strategic Planning at -The Chronicle Gazette Content 1. Introduction………………………………………………………………………………………………………..3 2. State of the newspaper publishing industry today………………………………………………4 2.1 Data on declining circulation and revenue…………………………..………………………………6 2.1.1 Circulation in the last decade…………………………………………………………………………6 2.1.2 Top 20 Newspaper print circulation declining rate…………………………………………7 2.1.3 Advertising Revenue…………………………………………………..…………………………………8 2.1.4 Top 10 Newspaper print circulation…………………………….…………………………………9 3. Why newspapers are facing declining circulations and revenue? ………………………10 3.1 External Assessment………………………………………………………….………………………………10 3.1.1 Rise of the Web and Internet………………………………….……………………………………10 3.1.2 Economic downturn put company into the red……………………………………………11 4. Internal Assessment of The Chronicle Gazette…………………………..………………………12 4.1 Strengths……………………………………………………………………………………………………..……12 4.2 Weaknesses………………………………………………………………………………………………………12 5. How other publishers are reacting to the challenges? ………………………………………12 5.1 Differentiation…………………………………………………………………………………..………………12 5.2 New Product Development………………………………………….……………………………………13 5.3 Customer Insight…………………………………………………………...
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...Journal of Economic Perspectives—Volume 24, Number 1—Winter 2010—Pages 93–118 Did Fair-Value Accounting Contribute to the Financial Crisis? Christian Laux and Christian Leuz I n its pure form, fair-value accounting involves reporting assets and liabilities on the balance sheet at fair value and recognizing changes in fair value as gains and losses in the income statement. When market prices are used to determine fair value, fair-value accounting is also called mark-to-market accounting. Some critics argue that fair-value accounting exacerbated the severity of the 2008 financial crisis. The main allegations are that fair-value accounting contributes to excessive leverage in boom periods and leads to excessive write-downs in busts. The write-downs due to falling market prices deplete bank capital and set off a downward spiral, as banks are forced to sell assets at “fire sale” prices, which in turn can lead to contagion as prices from asset fire sales of one bank become relevant for other banks. These arguments are often taken at face value, but evidence on problems created by fair-value accounting is rarely provided. We discuss these arguments and examine descriptive and empirical evidence that sheds light on the role of fair-value accounting for U.S. banks in the crisis. While large losses can clearly cause problems for banks and other financial institutions, the relevant question for our article is whether reporting these losses under fair-value accounting created additional...
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...non-securitising banks in general and between Northern Rock bank and Lloyds TSB bank in particular Huyen Thanh Do Student ID number: 25145517 Presented for MSc. International Banking and Financial Studies I declare that this dissertation is entirely my original work where material is obtained from published or unpublished works; this has been fully acknowledged by citation in the main text and inclusion in the reference list Word Count: 14,650 words ABSTRACT This thesis analyses the main reason why banks securitise their loans including bank liquidity, credit risk transfer, regulatory capital arbitrage and bank performance in a comparison between UK securitising bank and non-securitising banks during the period from 2000 to 2010, and analysing a case study of Northern Rock bank, a fifth biggest volume securitising bank in the UK from 2001 to 2007 (Goldsmith- Pinkham and Yorulmazer, 2010) with Lloyds TSB, a stable bank with less securitisation. First, this dissertation will contribute to major literature on the securitisation background and determinants of securitisation. Next, the data, methodology and four groups of variables contributing to bank‟s securitisation decisions, namely liquidity needs, credit risk transfer, regulatory capital arbitrage and efficiency will be described using a logistic regression model adopting from Cardone-Riportella et al. (2010). Finally, the comparisons between securitising banks and non-securitising banks in general and between Northern Rock...
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...IKEA Christopher A. Bartlett and Ashish Nanda With a 1988 turnover of 14.5 billion Swedish kronor (U.S. $1 SKr6 in 1988) and 75 outlets in 19 countries; IKEA had become the world's largest home furnishings retailer. As the company approached the 1990s, however, its managers faced a number of major challenges. Changes in demographics were causing some to question IKEA's historical product line policy. Others wondered if the company had not bitten off too much by attempting major new market entries simultaneously in two European countries (United Kingdom and Italy), the United States, and several Eastern bloc countries. Finally, there was widespread concern about the future of the company without its founder, strategic architect, and cultural guru, Ingvar Kamprad. IKEA BACKGROUND AND HISTORY In 1989, furniture retailing worldwide was a fragmented industry in which small manufacturers and distributors catered to the demands of their local markets. Consumer preferences varied by region, and there were few retailers whose operations extended beyond a single country. IKEA, however, had repeatedly bucked market trends and industry norms. Over three and a half decades, it had built a highly profitable worldwide network of furniture stores (see Exhibit 1). COMPANY ORIGINS IKEA is an acronym for the initials of the founder, Ingvar Kamprad, his farm Elmtaryd, and his county, Agunnaryd, in Smäland, South Sweden. In 1943, at the age of 17, Kamprad began his...
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...A CASE STUDY ON BANKS IN FIJI COMPILED BY: SHINAL PRIYANKA CHAND 1 INTRODUCTION Fiji has a well developed financial system that not only is secure and sound but has remained flexible despite the recent global financial crisis. The strong involvement of the banking industry to the Fiji Financial System has been a major factor in this regard. Over the years the Banks have invested heavily in Fiji and have remained committed to delivering services that have helped shape and develop our country into what it is today. At the end of 2010 the commercial bank’s assets alone was approximately 42% of the entire financial system and this highlights the importance of this industry in the local economy. The value of total assets of the commercial banks at the end of 2010 was $4.5b and equates to around 75% of GDP. Commercial banks are financial institutions that primarily intermediate between the savers and the borrowers in an economy. They also buy and sell foreign currencies and facilitate trade and the transfer of payments both domestically and across international borders. It is these very transactions that help to pay for our salaries, the importation of goods and services that we use almost every day, and provide the much needed capital for investment. At the end of 2010, the total loan book value of all banks stood at $3.1b and this has grown by 159% over the last 10 years. Furthermore, Commercial banks play an important...
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...INT J LANG COMMUN DISORD, NOVEMBER–DECEMBER VOL. 2011, 46, NO. 6, 657–664 Research Report Communication skills in a population of primary school-aged children raised in an area of pronounced social disadvantage James Law†‡, Kirsty McBean‡ and Robert Rush‡ †School of Education, Communication & Language Sciences, Newcastle University, Newcastle, UK ‡Centre for Integrated Healthcare Research, Queen Margaret University, Edinburgh, UK (Received 10 December 2009; accepted 1 February 2011) Abstract Background: Previous studies have highlighted the level of communication difficulty experienced by children from socially disadvantaged backgrounds, but the pattern of difficulties remains unclear. Aims: The study asks whether the performance of a community sample of children from one of the most socially disadvantaged neighbourhoods in Scotland is best characterized by a general delay in all areas of development, by difficulties across the more formal structural aspects of language or in phonological skills. Methods & Procedures: The study included 138 monolingual English-speaking children: 63 (45.7%) boys and 75 (54.3%) girls aged between 5 and 12 years. All children were assessed blind to educational attainment in the school. Outcomes & Results: Nearly 40% of children had delayed language development with 10% having severe difficulties. The children presented with an uneven profile with much lower structural language scores than reading, general communication skills or non-verbal...
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...Risk Management Risk is inherent in our business and sound risk management is critical to our success. The major types of risk we face are credit risk, market risk (which includes liquidity risk and price risk) and operational risk. We have developed and implemented comprehensive policies and procedures to identify, monitor and manage risk throughout the Bank. Credit Risk Credit risk is the possibility of loss due to the failure of any counterparty to abide by the terms and conditions of any financial contract with us. We identify and manage this risk through (a) our target market definitions, (b) our credit approval process, (c) our post-disbursement monitoring, and (d) our remedial management procedures. Wholesale Credit Risk For our commercial banking products, we target the top end of the Indian corporate sector, including companies that are part of the private sector business houses, public sector enterprises, and multinational corporations and leading small and mid-sized enterprises (“SME”). As a result, a large part of our wholesale lending is generally concentrated among highly rated customers. In addition to market targeting, the principal means of managing credit risk is the credit approval process. We have policies and procedures to evaluate the potential credit risk of a particular counterparty or transaction and to approve the transaction. For our wholesale clients, we have a risk assessment and grading system that is applied to each corporate counterparty...
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...Chapter 3 The Banking Sector 3.1 Interest Rate Spread The interest rate spread (IRS) is widely used as a parameter of bank profitability, intermediation cost, and the degree of efficiency of the banking sector. The IRS shows the additional cost of borrowing that bank takes on to perform intermediation activities between borrowers and fund lenders. The market structure plays an important role in determining IRS. From a bank's perspective, IRS is a premium for the risk that the bank undertakes. Besides, it compensates for loan default, but also for the risk related to cost of funding. Banks usually borrow short term funds from depositors and invest in long term loans. Therefore, IRS for banks covers both spot and future cost of funds. It may change depending on prediction of future short term interest rate. The country’s banking structure is segmented with SCBs and PCBs holding 33.1 percent and 51.4 percent of total assets respectively. The financial system was also repressed in the 1970s and early 1980s in the presence of interest rate and credit ceilings. As part of economic reform programs, credit and other restrictions were phased out from the late 1980s. Within the structure, high IRS resulted from a number of factors including state control of lending, absence of risk management practices, accumulation of bad loans due to political interference on commercial lending decisions, and limited technical skills particularly in the arena of risk management. Figure 3.1.1:...
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...the whole research, and I am very appreciate of the expert guidance and inspiration she brought me. I am very grateful to my parents for their love and encouragement during my whole education period. The academic suggestions my father has given help me a lot in designing the dissertation. Last but not least, I would like to thank all my friends especially those in Melton Hall. I will never forget the help they have offered, which raises my confidence in completing this dissertation. i Abstract Credit risk is always treated as the major risk inherent in a bank’s banking and trading activities. And if not well managed, this kind of risk may drag a bank into great trouble or even bankruptcy, which can be proved by various bank failure cases. For banks, managing credit risk is not a simple task since comprehensive considerations and practices are needed for identifying, measuring, controlling and minimizing credit risk. In this dissertation, the credit risk management practices of major British banks are examined through the quantitative research on all Major British Banking Group members and qualitative analysis on the four sample banks. The key areas in the generalization and comparison of techniques and practices of sample banks are chosen according to the Basel (1999a, 2000) requirements, which are also adopted as benchmarks in the evaluation of banks credit risk management. The robustness and weakness of larger and smaller major British banks in managing credit risk are...
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...Journal of Economic Perspectives—Volume 24, Number 1—Winter 2010—Pages 93–118 Did Fair-Value Accounting Contribute to the Financial Crisis? Christian Laux and Christian Leuz I n its pure form, fair-value accounting involves reporting assets and liabilities on the balance sheet at fair value and recognizing changes in fair value as gains and losses in the income statement. When market prices are used to determine fair value, fair-value accounting is also called mark-to-market accounting. Some critics argue that fair-value accounting exacerbated the severity of the 2008 financial crisis. The main allegations are that fair-value accounting contributes to excessive leverage in boom periods and leads to excessive write-downs in busts. The write-downs due to falling market prices deplete bank capital and set off a downward spiral, as banks are forced to sell assets at “fire sale” prices, which in turn can lead to contagion as prices from asset fire sales of one bank become relevant for other banks. These arguments are often taken at face value, but evidence on problems created by fair-value accounting is rarely provided. We discuss these arguments and examine descriptive and empirical evidence that sheds light on the role of fair-value accounting for U.S. banks in the crisis. While large losses can clearly cause problems for banks and other financial institutions, the relevant question for our article is whether reporting these losses under fair-value accounting...
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