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THE man who the polls suggest will be the next French president, Fran�ois Hollande, claims that finance is his �real adversary� in the coming election. Britain has just stripped the former chief executive of the Royal Bank of Scotland of his knighthood. Even Newt Gingrich is attacking the �vulture capitalists� in the private-equity industry. Perhaps the West is set for a �war on finance� along the lines of the �war on terror�, with similar uncertainty about how to define victory.
Politicians seem to have three main beefs with the financial sector. The first is that bankers earn too much. The second is that banks take reckless risks and then need rescuing by governments. And the third complaint is that investors in financial markets have undue influence over an economy through their ability to affect bond yields and equity prices. In this section
The first two problems are really related. People do not worry too much about footballers� high pay. The problem with bankers is the extent to which they are subsidised by explicit and implicit taxpayer support. (Of course, you might worry about income inequality in general but that is not specific to banks and can be tackled by redistributive taxation.) It is hard to disagree with Paul Tucker of the Bank of England, who has written that: �Those who most espouse the disciplines of capitalism�bankers and financiers�should live by them.�
The problem of banks being �too big to fail� is being addressed, albeit slowly, by the higher capital ratios being imposed by regulators. Higher capital ratios should mean lower returns on equity; over time, this should lead to less rapid pay growth for bankers. Andrew Haldane, a colleague of Mr Tucker�s, has found that the pay of bank bosses correlated well with returns on equity, but not with returns on assets�in other words, managers prospered by gearing up bank balance-sheets. That is now harder to pull off.
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Another interesting study is called, aintenance digoxin after an episode of heart failure: placebo-controlled trial in outpatients.?By S M Dobbs, W I Kenyon, R J Dobbs - Br Med J 1977; 1 : 749 ?Here is an excerpt: bstract - The need for maintenance digoxin treatment was assessed in a double-blind, variable-dose, crossover comparison with placebo. Forty-six outpatients who had been prescribed the drug for heart failure were studied; 33 were in sinus rhythm and the remainder in atrial fibrillation. Mean serum digoxin concentrations in those with sinus rhythm averaged 1-33 nmol/l, but a lower concentration, averaging 0-97 nmol/l, was accepted in those with atrial fibrillation as six of them developed bradycardia. Sixteen of the 46 patients deteriorated on placebo, and eight completely recovered when digoxin was reintroduced; in the remainder additional diuretics were required temporarily. Spirometric values deteriorated on changing to placebo whether or not the patient showed clinical evidence of recurrence of heart failure. In a separate study of nine patients who showed no clinical evidence of deterioration on placebo, reintroduction of digoxin caused a shortening of left ventricular ejection time, which persisted for at least a month. This suggests that the inotropic response to digoxin is sustained during maintenance treatment.?br />
A third study is called, alignant mesothelioma after environmental exposure to blue asbestos?by Janice Hansen, Nicholas H,beijing massage. De Klerk, Jan L. Eccles,escort beijing, A. William Musk, Michael S. T. Hobbs ?Here is an excerpt: bstract - To determine the magnitude of the population at risk from non-occupational exposure to crocidolite at Wittenoom, West ern Australia (WA), a cohort of 4,890 residents who never worked for the mining company Australian Blue Asbestos (ABA) has been assembled from all 18,553 available records: the local school register, hospital attendances, the WA electoral roll, birth certificates, workers who answered a mailed question naire in 1979, participants in a cancer-prevention programme using vitamin-A dietary supplements, and other sources. The majority of subjects were relatives and friends of ABA employ ees, and nearly half the cohort were either born at Wittenoom or first went there as children under 10 years of age. As most residents were at Wittenoom when the mine and mill were in operation during the period 1943 to 1966, 82% were first exposed to crocidolite 20 or more years ago. The proportion of other workers (i.e., not employed by ABA) and their families increased once the mining operations ceased. To date, 24 cases of mesothelioma have been reported in this cohort: 9 males and 15 females. Time from first exposure to diagnosis ranged from 23 to 44 years and residence in Wittenoom ranged from 6 weeks to 11 years.?br />
We all owe a debt of gratitude to these fine researchers for their important work. If you found any of these excerpts helpful, please read the studies in their entirety.Great Weather Resources For Boaters
All the safety experts will tell you its always a good practice to check the weather before you go out on your boat. I'm no expert, but I'd have to agree with the premise; you just never know. Checking the weather in advance will at least give you a clue as to whether a late day squall or a heavy fog might be bearing down on you.
I've compiled a list, in no particular order, of some of the best weather tools online or in a smartphone app. Under each tool I've enumerated what can you can expect to find on each weather site,beijing escort service. I hope this helps you in selecting one, two or more weather resources that are right for you and if you have some favorites now, perhaps a few more you might want consider.
Accuweather
Here you can get your current, hourly, weekend, extended and monthly forecast for your area. It also provides you with the chances for precipitation over a 24 hour period in blocks of 3 hours each. There are also Maps for:
U.S.radar feeds with zoom capabilities
U.S.satellite feeds with zoom capabilities showing cloud cover
U.S.severe weather reads with zoom capabilities and a legend. It also shows lightening strikes and their frequency.
news and videos of U.S. national interest
a hurricane center with a map and the latest tracking information.
current sea surface temperatures worldwide
Aside: AccuWeather is also a free app download for iPhone, iPad, Blackberry and Android featuring today's local forecast, 15 day local forecast, satellite map, videos and more. This is an excellent weather resource for boaters who have a smartphone.
The Weather Channel
This site features daily and hourly
U.S. national, regional and local weather forecasts
Marine forecasts with temperature, wind speed and direction, wave height and direction, sea surface temperature, sea state (calm, choppy, etc), relative humidity, visibility, etc.
Maps showing U.S. current temperature, current weather, Doppler radar, infrared satellite and severe weather alerts. All maps are interactive and will bring you down to your local weather situation.
Aside: The Weather Channel app is free and available for iPhone, Blackberry and Android smartphones. It has current, hourly, 36 hour and 10 day forecasts, beach forecasts, a satellite weather map of you area, severe weather reports, national, local and "must see video" center. Another great weather app for boaters who have a smartphone.
Wunderground
Just type in a location and you can get current/basic local weather information.
A click on Maps and Radar will give you informational displays and data on:
U.S.weather fronts
severe weather alerts and warnings in your area
NEXRAD animated radar readings for the US, Canada and Australia with information on storm tracks, total precipitation and severe weather
satellite images of national and local cloud cover
marine forecasts worldwide, showing water temperatures,Classic Game Review Time Ship, wave heights and wind speeds.
Aside: Wunderground has an free app for iPhone called Weather Quickie, but it's not as comprehensive as the website and I wouldn't rely on it for boating forecasts.
NOAA (National Oceanic and Atmospheric Administration)
This is perhaps to most comprehensive weather site of them all. Here you can get your basic weekly weather forecast by the location you select. Scroll further down the page and you'll find weather maps with Radar and Satellite Images. There's a
regional radar map showing severe weather and flash flood warnings.
satellite images map of the continental U.S. (color enhanced)
Further down the page you'll find the National Digital Forecast Database which has weather data displayed in graphic fashion showing:
an Hourly Weather Graph indicating 24 hours of temperature, wind, wind gusts, sky cover, heat index, potential thunderstorms and precipitation
a Hazardous Weather Report for the reported area
To the left of the National Digital Forecast Database you'll find two maps, one of Temperature Forecast, the other a Forecast Database Map where you can look up local and regional graphical displays of today's,escort beijing, tonight's and tomorrow's:
possibility of precipitation
temperature
dew point
wind speed and direction
wind gusts
sky cover
relative humidity
apparent temperature
Aside: There is an app for iPhone from NOAA called Weather Alert USA that has received favorable ratings. As of this writing it costs $3.99.
Marine Weather - NOAA
This site features zone forecasts of the:
North Atlantic
North and Southeast Pacific
Gulf of Mexico, Caribbean and Tropical Atlantic
Alaska and North Pacific
Central Pacific
Within each zone you can view daily
wind, wave and surface charts,
typhoon, high wind and wave charts using satellite technology
upper air charts
National Hurricane = NOAA Center
If you're tracking hurricanes, you'll find a lot of information on this site:
a map showing active tropical storms, tracking information and analysis
hurricane awareness and information about hurricanes in general with a briefing on such topics as preparedness, storm surges, FAQs about hurricanes and tropical weather and forecast models
Passage Weather
This site provides 7 day wind and weather forecasts useful to offshore mariners. The forecast charts are for every zone of the world and feature maps illustrating:
surface winds 10 miles above sea level
surface pressure
visibility
cloud cover
precipitation
wave height and direction
Other Smartphone Weather Apps to Consider:
Weather Bug for iPhone, Blackberry and Android. It's free and shows
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