...dive to a depth of 1,800 feet (550 meters) and hold their breath for up to twenty minutes. A normal heart rate for a penguin is approximately sixty to seventy beats per minute. Before a dive, their rate increases to 180 to 200 beats because they hypersaturate their blood with oxygen. As they dive into the water, their heart rate decreases to 100 beats per minute. Almost immediately, their heart rate slows down to twenty beats for the remainder of their dive. Their heart rate drastically decreases, so they can use the stored oxygen in blood and muscles for a longer dive. Once they hit the surface again, their heart rate goes back to 200 beats per minute to restore the oxygen they used during the dive. Large breeding colonies on South Georgia Island hold estimated 300 000 pairs of the gentoo penguin. Averagely, thirty inches tall and weighing twelve pounds, these penguins are congeneric to the Adélie penguin. Gentoo penguins have bright reddish-orange beaks and long stiff tail feathers that stick out when they walk. They have white patches behind their eyes running along the back of their head, causing the penguin to look like they have “earmuffs”. Similar to the Adélie, the Gentoo appetite consists mainly of fish and krill. Unfortunately, the Antarctic’s Gentoo penguin’s status is near threatened. The antarctic is home to sixty percent of the world’s seal population. Estimated, there are about 650 000 southern elephant seals left in the world. With the scientific name Mirounga leonina...
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...Harvard Referencing Guide Contents Acknowledging Sources................................................................................................................................................. 1 Variations in Referencing Styles within the Australian School of Business .......................................................................................................................................................................... 1 Using footnotes with in-text referencing How to Create a Reference List using a Harvard Style of Referencing ...................................................................... 1 Steps Involved in Referencing ....................................................................................................................................... 2 How to Cite References within the Text of an Assignment ......................................................................................... 2 Authors with the same surname and same publication year……………………………………………………………………2 Works with no author ........................................................................................................................................................ 3 Multiple authors ................................................................................................................................................................. 3 For a work that has more than three authors ....................................................................
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...Australian School of Business Harvard Referencing Guide Contents Acknowledging Sources................................................................................................................................................. 1 Variations in Referencing Styles within the Australian School of Business .......................................................................................................................................................................... 1 Using footnotes with in-text referencing How to Create a Reference List using a Harvard Style of Referencing ...................................................................... 1 Steps Involved in Referencing ....................................................................................................................................... 2 How to Cite References within the Text of an Assignment ......................................................................................... 2 Authors with the same surname and same publication year……………………………………………………………………2 Works with no author......................................................................................................................................................... 3 Multiple authors ................................................................................................................................................................. 3 For a work that has more than three authors ......................................
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...CONTEMPORARY BUSINESS LAW Session 1 – Introduction to Law/Australian Legal System _______________________________________________________________________________ 1. WHAT IS LAW? 1.1 Legal Terms A Law - A particular legal rule. The Law - A declaration of behaviour in our society. - A comprehensive and changing set of rules. Jurisprudence - The general principles underlying the law: the foundation for the making of the law. Natural Law - The principles of reason and justice which flow from the law of nature (or the law of God) and which form the foundation of our legal system. Religious Law - What is right and wrong? Rationalist Law - What is reason? 1.2 Foundation for Democratic Law Natural law is based on the notions of the laws of God and reason/common sense – ie, a combination of Religious and Rationalist law. We see direct examples of Christian teachings in our law. A notable example is the case of Donoghue v Stevenson which is a major case in the law of tort. John Locke explained that natural law involved a fundamental belief that all men are equal and will, therefore, equally respect and not harm each other. His view inspired the core principle of the American Declaration of Independence and, as a result, two of the most impacting speeches: American Declaration of Independence: “We hold these truths to be...
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...Marketing Management 14 PHILIP KOTLER Northwestern University KEVIN LANE KELLER Dartmouth College Prentice Hall Boston Columbus Indianapolis New York San Francisco Upper Saddle River Amsterdam Cape Town Dubai London Madrid Milan Munich Paris Montreal Toronto Delhi Mexico City Sao Paulo Sydney Hong Kong Seoul Singapore Taipei Tokyo Editorial Director: Sally Yagan Editor in Chief: Eric Svendsen Executive Editor: Melissa Sabella Development Editor: Elisa Adams Director of Editorial Services: Ashley Santora Editorial Project Manager: Kierra Bloom Editorial Assistant: Elizabeth Scarpa Director of Marketing: Patrice Lumuba Jones Senior Marketing Manager: Anne Fahlgren Senior Managing Editor: Judy Leale Production Project Manager: Ann Pulido Senior Operations Supervisor: Arnold Vila Creative Director: John Christiano Senior Art Director: Blair Brown Text and Cover Designer: Blair Brown Lead Media Project Manager: Lisa Rinaldi Editorial Media Project Manager: Denise Vaughn Full-Service Project Management: Sharon Anderson/BookMasters, Inc. Composition: Integra Printer/Binder: Courier/Kendallville Cover Printer: Lehigh-Phoenix Color/Hagerstown Text Font: 9.5/11.5, Minion Credits and acknowledgments borrowed from other sources and reproduced, with permission, in this textbook appear on appropriate page within text. Copyright © 2012, 2009, 2006, 2003, 2000 Pearson Education, Inc., publishing as Prentice Hall, One Lake Street, Upper Saddle River, New Jersey 07458. All...
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...AS Religious Studies [pic] PHILOSOPHY & ETHICS Revision Summary Notes Revision Notes Foundation for the Study of Religion Part One: Philosophy of Religion Plato and the Forms Influence of Socrates • Socrates said that virtue is knowledge – to know what is right is to do what is right. • All wrongdoing is the result of ignorance – nobody chooses to do wrong deliberately. • Therefore, to be moral you must have true knowledge. The problem of the One and the Many Plato was trying to find a solution to the problem that although there is underlying stability in the world (sun comes up every morning), it is constantly changing (you never step into the same river twice). 1. An old theory about this problem is that we gain all knowledge from our senses – empirically. 2. Plato disagreed with this. He said that because the world is constantly changing, our senses cannot be trusted. Plato illustrated his idea in the dialogue, ‘Meno’: Socrates sets a slave boy a mathematical problem. The slave boy knows the answer, yet he has not been taught maths. Plato suggests that the slave boy remembers the answer to the problem, which has been in his mind all along. So, according to Plato, we don't learn new things, we remember them. In other words, knowledge is innate. Plato’s Theory of the Forms Plato believed that the world was divided into: 1. Reality and; 2. Appearance |REALITY ...
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...British Petroleum (BP) Case Study Executive Summary This case study report examined a public relation management problem that British Petroleum (BP) faced since the oil spill accident happened in April, 2010. In addition, this thesis recommended possible solutions and implementation plans for BP to deal with the public crisis. On April 20, the explosion on the Deepwater Horizon drilling rig in the Gulf of Mexico led to the largest accidental release of oil into marine waters in history. As a result, a huge loss of money and life was caused and affected serious environmental damage to wild animals and water pollution. BP was accused of their irresponsibility that it took 87 days before the well was closed and sealed. BP’s shares plummeted to the lowest point since 1996. The communities around the Gulf of Mexico blamed BP for their carelessness and appealed for more actions to recover their low income life. BP has already established $20 billion fund to respond the situation in the Gulf of Mexico. However, according to recent research, the amount of the money is not enough to straighten out the crisis. In order to examine the case, we performed PEST and SWOT analysis methods. We focused on evaluating economic and socio-cultural factors that were the major elements had affects on BP’s public image. At the same time, we analyzed and key strengths and opportunities that essential for BP to revitalize its brand image. Our analysis revealed two crucial factors. First, BP’s own...
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...VISY PULP AND PAPER PTY LTD ENVIRONMENTAL ASSESSMENT FOR A MAJOR PROJECT TUMUT MILL EXPANSION 436 Gadara Road, Tumut, New South Wales January 2007 H:\Environmental\VPP9 Stage 2\Stage 2\FINAL EA SUBMISSION\Main Report\Visy Tumut Final Env Assessment Main Report.doc Environmental Assessment Submission Under Part 3A of the Environmental Planning and Assessment Act 1979 Statement by Authors Environmental Assessment Prepared By: Name Ms Leanne Hayes Company Visy Pulp and Paper Pty Ltd Position Project Environmental Engineer Qualifications BSc Environmental Biology Address 436 Gadara Road, Tumut, New South Wales, 2720 Co-authored and Reviewed By: Name Ms Alison McRae Company Peter J Ramsay and Associates Pty Ltd Position Associate Qualifications Bachelor of Engineering (Environmental), Bachelor of Commerce Address 3/538 Gardeners Road, Alexandria, New South Wales, 2015 Project Under Part 3A: Application Number 06_0195 Development Visy Pulp and Paper Tumut, Mill Expansion Development Location 436 Gadara Road, Tumut, New South Wales, 2720 Proponent Visy Pulp and Paper Pty Ltd PO Box 98 Tumut, New South Wales, 2720 Certification: I certify that I have prepared this Environmental Assessment report and that to the best of my knowledge: it has been prepared in accordance with Part 3A of the Environmental Planning and Assessment Act and Regulations; and the information...
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...Overview Future Outlook European Industry Overview North America Overview Asia & Pacific Industry Overview India & Middle East Industry Overview Development of World Scheduled Air Traffic World Economic Growth and Airline Profits Rankings - Passenger services Rankings – Freight services Section 2 - British Airways Profile Overview Alliances LHR Air Transport Movements LGW Air Transport Movements Awards History Key Events (1987-2005) Board Members Leadership Team British Airways Management Team Employees Brands Departmental Analysis Section 3 - British Airways Fleet Aircraft Fleet Aircraft Delivery Schedule Mainline Fleet Profiles Regional Aircraft Fleet Maintenance Section 4 - British Airways Performance Summary Strategy Social and Environmental Performance Incentive Plans Summary Financial / Operating Statistics Principal Investments Shareholder Information Share Price History Section 5 - Global Partners Overview BA Connect Franchisees oneworld Aer Lingus American Airlines Cathay Pacific Finnair Iberia LanChile Qantas oneworld At A Glance Section 6 - Route Network British Airways Franchisees Section 7 - General Information Airport Three Letter Decodes Outside Advisors Abbreviations & Specialist Terms How To Contact Us 2 3 3 4 4 5 6 6 7 8 89 91 92 93 97 98 99 100 101 102 103 104 9 9 10 10 11 12 13 38 39 40 41 44 47 105 109 110 115 116 118 56 56 57 69 72 73 74 75 75 77 86 87 88 This document has been prepared solely for the purpose of providing information...
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...1. EXECUTIVE SUMMARY Public Securities Corporation (PSC), a wholly-owned stock brokerage firm of the AFP Retirement and Separation Benefits System (AFP RSBS) envisions itself to be one of the top stock brokerage firms in the Philippines. The company was acquired by the AFP RSBS from a group of private individuals in 1994 with the main objective of taking advantage of the favorable prospects in the stock market and at the same time, to generate income for the mother company. Value turnover at the Philippine Stock Exchange slowed by 30% and lost P383 billion from P1.2 trillion in 1997 to P817 billion in 1998 due to the Asian Financial crisis. The decline in value turnover resulted to less commission income generated from broking services that caused both local and foreign brokers to leave the Philippine equities market and applied for temporary suspension, while others opted to cease operations totally. Political instability also discouraged investors in Philippine equities during the Estrada Administration. Illegal trading activities, such as frontrunning, insider trading and “kiting” resulted to the loss of investors’ confidence towards the regulatory bodies, the Securities and Exchange Commission and the Philippine Stock Exchange. This paper presents three frameworks to analyze the effectiveness of the company’s current strategy. Among the frameworks employed was PEST Analysis or Political, Economic, Social and Technological Analysis which was used to...
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...The University of Southampton 2011/12 Faculty of Business and Law School of Management MSc. Dissertation The determinants for banks to securitise assets; the comparisons between UK securitising banks and 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...
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...Summary Australian law is based on the culture of English law. The following characteristics derive from the English background of our law: * A system of representative democracy, using parliaments to make laws. See chapters 7 & 8. * A legal profession divided formally or informally into solicitors and barristers. See chapter 3. * A ‘common law’ system: * The system of law derived from the English legal system. Uses judicially decided cases as the basic form of law. See chapter 10. * The way that the law is made: Judges make law based on decided cases (precedents) and develop sets of legal principles which emerge from the judgments in decided cases.’ See chapter 12, 13, and 14. * The category of laws which grew from the medieval royal courts (‘the courts of common law’) and other areas of law, which came from the medieval Lord Chancellor’s role (‘equity’). See chapter 10. * Decision making in courts after an adversarial trial: derived from historical ‘trial by battle’ introduced by Normans. The battle has since then become a verbal one. See chapter 2. * A court system for dispute resolution: See chapter 11. However, Australian law has developed distinct characteristics of its own: * A federal system made up of a Commonwealth and States and Territories: separates out the powers of different bodies of government. See chapter 8. * A limited recognition of indigenous customary law: Mabo (No 2) held that native title to land could...
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...contents 1 2 3 5 10 16 18 94 95 96 97 99 100 corporate information operational and financial highlights chairman’s statement review of operating and financial performance board of directors senior management financial contents (including corporate governance) interested person transactions material contracts use of proceeds shareholders’ information disclosure note notice of annual general meeting proxy form corporate information board of directors Mr. Joseph Yuvaraj Pillay Independent Director and Chairman Mr. Koay Peng Yen Executive Director and Group Chief Executive Officer Mr. de Vaz Don Emmanuel Maurice Rosairo Independent Director Ms. Rachel Eng Yaag Ngee Independent Director Mr. Hsieh Fu Hua Independent Director Mr. Lang Tao Yih Arthur Independent Director Mr. Lee Chong Kwee Independent Director Mr. Po’ad Bin Shaik Abu Bakar Mattar Independent Director Mr. Yap Chee Keong Independent Director Capt. Gerard Yeap Beng Hock Non-Independent Director remuneration committee Mr. Hsieh Fu Hua (Chairman) Mr. de Vaz Don Emmanuel Maurice Rosairo Ms. Rachel Eng Yaag Ngee Mr. Joseph Yuvaraj Pillay Mr. Yap Chee Keong risk management committee Mr. Joseph Yuvaraj Pillay (Chairman) Mr. Hsieh Fu Hua Mr. Lang Tao Yih Arthur Mr. Po’ad Bin Shaik Abu Bakar Mattar Capt. Gerard Yeap Beng Hock company secretary Ms. Joyce Fong registered office 17 Changi Business Park Central 1 #04-06/09 Honeywell Building Singapore 486073 Telephone number: +65 6422 2200 Facsimile number: +65 6422...
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...IDX STATISTICS 2012 The IDX Statistics Book includes comparative statistics on all aspects of trading and listing for January - December 2012 For more information please contact the Corporate Secretary at: Gedung Bursa Efek Indonesia (Indonesia Stock Exchange Building) Tower 1 Jln. Jend. Sudirman Kav. 52 - 53 Jakarta 12190 Indonesia Phone: (62-21) 515-0515 ext. 4302, 4320, 4322 Fax (62-21) 515-0330, 515-0118 Compiled by Research Division © 2012 Indonesia Stock Exchange. All rights reserved The facts and opinions stated or expressed in this publication are for information purposes only and are not necessarily and must not be relied upon as being those of the publisher or of the institutions for which the contributing authors work. Although every care has been taken to ensure the accuracy of the information contained within the publication, it should not be by any person relied upon as the basis for taking any action or making any decision. The Indonesia Stock Exchange cannot be held liable or otherwise responsible in anyway for any advice, action taken or decision made on the basis of the facts and opinions stated or expressed within this publication. Table of Contents IDX STATISTICAL HIGHLIGHTS ............................................................................................................................... 1 STOCK PRICE INDICES Composite Stock Price Index - Highlights ..........................................................
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...a CarbonNeutral® printer registered to EMAS and with ISO14001 environmental management system accreditation. find out more online Our website www.rexam.com contains a full interactive version of the 2011 annual report. It also contains annual reports from previous years (back to 1999) as well as investor presentations, publications and other material on Rexam, its markets and business. 1 4 6 7 8 9 chairman’s statement who we are what we make where we operate how we performed in 2011 business review 16 market review 20 operating review 26 financial review 34 key risks sustainability This section provides a review of our sustainability performance in 2011. It explains our approach to and progress in this area, and details our commitments, measures and targets going forward. 44 products 47 operations 49 people governance 54 directors and officers 56 corporate governance 69 remuneration report 81 other disclosures governance We introduce our board and explain why a strong sense of governance and compliance is imperative in every area of our operations. We give details of the Company’s remuneration principles and policy which complement the Group’s strategic vision. business review 12 chief executive’s review (including KPIs) 86 Rexam PLC consolidated financial statements 2011 financial statements directors’ report Our chief executive outlines how we performed against...
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