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This paper explores the effects of bank credit on firm growth before and after the recent financial crisis outbreak, taking into account different structural characteristics of the banking sector and the domestic economy. The econometric method of panel quantiles is used on a large sample of 2075 firms operating in the euro area (17 countries) for the period 2005-2011. The main results of this paper indicate a strong dependence of firm growth on credit expansion before the crisis. However, post-2008, the credit crunch seems to seriously affect only slow-growth firms and especially those operating in domestic bank-dominated economies. Furthermore, the classification of firms in groups by size yields interesting results: the credit crunch exhibits a strong impact on small firms only. Separate estimates for more and less financially developed economies show that the credit crunch matters mainly in countries with a lower degree of financial development. Moreover, our findings reveal that the degree of banking concentration affects firm growth in a negative way in most estimates. Finally, risk and financial stability matter for firm growth for the total sample and for domestic bank-dominated economies, while in general they do not matter when markets are dominated by foreign banks. Keywords: Credit Crunch; Firm Growth; Foreign Bank Penetration; Banking Concentration; Financial Crisis; Panel Quantile Regressions; Financial Development JEL classification: E51; L25; L10; G21 Acknowledgments: Thanks are due to Heather Gibson and participants at the EARIE 2013 and ASSET 2013 conferences for many useful and insightful comments and suggestions. Correspondence: Helen Louri Bank of Greece, 21 E. Venizelos Ave., 10250 Athens, Greece. Tel.: +30 210 320 2007 Email: email@example.com
Vuk Drašković, radio u kabinetu Mike Špiljka, kabinetu savezne UDBE. Svi osnivači njegove stranke, osim njega, poginuli pod sumnjivim okolnostima i svi do jednoga radili za državnu bezbednost
Before I tell you the finest methods to use a Radio Receiver (Nanny) Hidden-Camera, I will let you know a couple of things about what this cam is and does
BE PREPARED, BE CALM, AND LEARN FROM THE SITUATION How to create a crisis management plan for your chapter Unfortunate circumstances do arise. As a chapter, knowing how to respond in the event of an incident is crucial. Be prepared with a crisis management plan. If an accident occurs, the chapter, especially the officers, must take control of the scene. The following crisis management plan will help your chapter effectively address a situation. Pre-crisis (Be Prepared) • • • • Form a crisis management team consisting of the Consul, Pro Consul, risk manager, chapter advisor, and, if applicable, the public relations chairman. Compile a list of contacts and have contact information for all parties who can assist the chapter if a crisis occurs (see attached). This should include your chapter advisor, Grand Praetor, Headquarters resources (Risk Management Foundation (RMF) managing director, Cornerstone regional coordinator), college or university administrator/Greek advisor, and local police and fire department contacts. Review the RMF’s and your college or university’s rules, regulations, and recommendations regarding all aspects of risk management. With this information, provide educational programming for the chapter regarding alcohol management, chapter house safety guidelines, and all other pertinent issues. Be sure to follow the RMF policies and have first aid and fire prevention supplies available in a known, easily accessible place.
Today’s business environment requires a robust, enterprise-wide plan to deal with unexpected crises. Company reputation and brand, as well as the trust and loyalty of stakeholders, are all critical factors in the background of crisis management. At the helm, HR leaders play a strategic role in organizational sustainability to contribute tangible deliverables through advance preparation, including safety and security initiatives, leadership development, talent management and solid communication plans to support crisis management. “A commitment to planning today will help support employees, customers, the community, the local economy and even the country. It also protects your business investment and gives your company a better chance for survival.”1 Never before has crisis management been more important. As recent events have shown, the business community, as well as communities at large, is vulnerable to disruptions that can be extremely costly. Examples of recent crises that resulted in lost lives, displaced families and communities, shutdown businesses and damaged economy are hurricanes Rita and Katrina, the London bombings, the South Asia tsunami, the Northeast blackout and the September 11 terrorist attacks. Other serious events, such as financial failure from poor business management, workplace violence, fires, cybercrime, computer viruses, product tampering or union strikes, can also lead to substantial damage and loss. The SHRM 2005 Disaster Preparedness Survey Report indicates that as a result of the September 11 terrorist attacks 56% of organizations created or revised their disaster preparedness plans but 45% of organizations did not.2 In view of today’s risk environment, these findings are cause for concern. Companies continue to think “it will not happen here” (see Figure 1).
Mountain Home, Idaho recognized that the water supply system was no longer able to keep up with the demands of growing population and an expanding business area. In particular, communications had become unreliable between wells, storage facilities and operators. The Public Works Department wanted a water system controls upgrade that was both easily expandable and offered automatic responses to occasional power failures. The solution created by Advanced Control Systems of Boise Idaho, combined Omron controls and InduSoft software for data management with radio communications and Win911 for emergency notification. The Mountain Home, Idaho, water/wastewater control system was reaching the end of its useful life and was no longer able to cope with the demands of a growing population and an expanding business area. In particular, communications had become unreliable between wells, storage facilities and operators. The Public Works Department planned a water system controls upgrade that would be easily expandable and offer automatic responses to occasional power failures. After years of service the communication and data reliability had become a major concern for the local municipality. Intermittent interference, hours of lost communication and crossover caused by use of older frequencies were the main contributors to the data reliability issues. Based on a board level customized product, the current control system made it difficult to find general support and was not easily upgraded from the current platform. The Mountain Home Public Works Department contracted with Advanced Control Systems (ACS), an experienced integrator for water/wastewater treatment plants, to develop a control system that addressed the current needs with greater communications reliability, and allowed for easy expansion to respond to growing numbers of residential and business users. Occasional power outages made it necessary to equip the system with emergency generators to maintain water service.
Rai Radio 1, al programma di informazione religiosa “Ascolta si fa sera” la meditazione di Monsignor Enrico Dal Covolo, Rettore Magnifico della Pontificia Università Lateranense. Dal Covolo: “Bisogna portare con coraggio la propria croce, sapendo che il dolore è la pietra di paragone dell’amore. Forse un giorno vedremo quanto ci sono state utili le persone che ci hanno fatto soffrire.”
© Her Majesty the Queen in Right of Canada, represented by the Minister of Transport, 2005. Cette publication est aussi disponible en français sous le titre Spéciment d'examen - Permis de pilote - Avion Uotra-léger. For a print copy or an accessible version of this publication, please visit http://transact-en.tc.gc.ca or contact Transport Canada’s Publications Order Desk at 1-888-830-4911 — International at 613-991-4071. An electronic version of this publication is available at http://tcinfo/CivilAviation/General/Exams/guides/menu.htm. TP 13014E (05/2009) TC-1003184 Catalogue No. T52-4/32-2-2009E ISBN 978-1-100-12738-5 Permission to reproduce Transport Canada grants permission to copy and/or reproduce the contents of this publication for personal and public non-commercial use. Users must reproduce the materials accurately, identify Transport Canada as the source and not present theirs as an official version, or as having been produced with the help or the endorsement of Transport Canada. To request permission to reproduce materials from this publication for commercial purposes, contact: Publishing and Depository Services Public Works and Government Services Canada ...
Smart charging alternators on Fords On many new Ford models the alternator fitted has a ‘smart charge system’ that regulates the output of the alternator to ensure the battery is being charged efficiently and only when needed, reducing emissions and improving performance. The alternator is controlled by the PCM (power control module) which monitors certain parameters such as the engine temperature, battery temperature and electrical demand. If the alternator does not receive a signal from the PCM, the battery light is illuminated on the vehicle. This can sometimes be misdiagnosed as an alternator failure. There are some checks that can be made to see if the alternator is at fault or, if there is an issue with the PCM or its wiring. ● The first thing to check is if the battery is the correct type. Smart charge systems are designed to be used only with a silver calcium battery not the lead acid type due to the voltages used which may damage a lead acid battery and give incorrect readings.
GENERAL INFORMATION Trouble Shooting - Basic Procedures GENERAL INFORMATION Trouble Shooting - Basic Procedures * PLEASE READ THIS FIRST * NOTE: This is GENERAL information. This article is not intended to be specific to any unique situation or individual vehicle configuration. The purpose of this Trouble Shooting information is to provide a list of common causes to problem symptoms. For model-specific Trouble Shooting, refer to SUBJECT, DIAGNOSTIC, or TESTING articles available in the section(s) you are accessing. ACCESSORIES & ELECTRICAL CHARGING SYSTEM TROUBLE SHOOTING NOTE: This is GENERAL information. This article is not intended to be specific to any unique situation or individual vehicle configuration. The purpose of this Trouble Shooting information is to provide a list of common causes to problem symptoms. For model-specific Trouble Shooting, refer to SUBJECT, DIAGNOSTIC, or TESTING articles available in the section(s) you are accessing. NOTE: This is GENERAL information. This article is not intended to be specific to any unique situation or individual vehicle configuration. The purpose of this Trouble Shooting information is to provide a list of common causes to problem symptoms. For model-specific Trouble Shooting, refer to SUBJECT, DIAGNOSTIC, or TESTING articles available in the section(s) you are accessing. BASIC CHARGING SYSTEM TROUBLE SHOOTING CHART CONDITION & POSSIBLE CAUSE CORRECTION Vehicle Will Not Start me Saturday, April 18, 2009 3:35:56 AM 3:36:11 Page 1 © 2005 Mitchell Repair Information Company, LLC. 2007 Chrysler Sebring GENERAL INFORMATION Trouble Shooting - Basic Procedures Dead battery Check battery cells, alternator belt tension and alternator output Check all charging system connections Check and replace as necessary Loose or corroded battery connections Ignition circuit or switch malfunction Alternator Light Stays On With Engine Running Loose or worn alternator drive belt Loose alternator wiring connections Short in alternator light wiring Defective alternator stator or diodes Defective regulator Alternator Light Stays Off With Ignition Switch ON Blown fuse Defective alternator Defective indicator light bulb or socket Check alternator drive tension and condition, See Belt Adjustment in TUNE-UP article in the TUNE-UP section Check all charging system connections See Indicator Warning Lights in STANDARD INSTRUMENTS in the ACCESSORIES & EQUIPMENT section See Bench Tests in ALTERNATOR article See Regulator Check in ALTERNATOR article See WIRING DIAGRAMS See Testing in ALTERNATOR article See Indicator Warning Lights in STANDARD INSTRUMENTS in the ACCESSORIES & EQUIPMENT section me Saturday, April 18, 2009 3:35:57 AM