Word: accountants
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Dates: during 2000-2009
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...professional recommendations regarding embryo transfer. Although he decries the birth of triplets, he's irritated at calls to legislate assisted reproduction. Doctors aren't the problem, he contends; laws are. Some European countries limit the number of embryos transferred, but that doesn't allow for physicians to take into account individual medical histories; generally, the older the patient, the less likely embryos will implant...
...approximately 200,000 Palestinian refugees who were also forbidden to return. Since 1973, Israeli governments have gradually moved about 400,000 Jewish settlers into the West Bank and another 200,000 into East Jerusalem, appropriating about 50 percent of the land (when roads and other infrastructure are taken into account), taking over the water, and alternately exploiting and starving the West Bank and Gaza economies to the point where the Arab population is overwhelmingly dependent on the international “donor community” for subsistence...
...bank needed to carry less capital per loan. The officials also frequently fought regulations that would boost capital requirements for them and other banks. In 1998, BofA asserted that tying capital requirements to credit ratings, which would have required banks to hold more funds in the vault to account for the riskiness of subprime loans, was silly...
...BofA wasn't alone. By early 2008, nearly all the big banks were poorly positioned to weather a downturn - particularly this downturn. Accounting rules demand that banks take a hit to their earnings by the value of a loan when it becomes clear a borrower is not going to pay it back. When a bank's loan losses are greater than its income, it has to take money from its shareholders' equity account to make up the difference. That's a big deal for a company's investors. If shareholders' equity is wiped out, their stock is effectively worthless...
...also help to alleviate some of the stress that pervades the college admissions process and distorts the junior and senior years of high school. Standardized tests are only one factor among many in Harvard’s holistic admissions process. The Committee on Admissions has always taken into account the fact that test scores can be affected by such factors as schooling, intensive test preparation, and socioeconomic background. We have long been aware that the test-taking experience of students may be affected by their financial and educational resources. In particular, we recognize that students from modest economic backgrounds have...