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...bank's business by customer instead of by product line, as had been the case at Abbey. "This is the kind of sophisticated information JPMorgan still didn't have, and I saw it at a Santander branch in Chile," says Davide Serra, head of the U.K.'s Algebris hedge fund. The system facilitates cross-selling to existing customers while allowing Santander to cut back-office staff drastically (Santander never cuts the flesh pressers out front). In Abbey's case, total employees dropped from 25,331 to 16,489, while costs have come down from 70% of income to around...
...creates a barrier to the corridors of power, as does "the strength of religious conservatives." Of the 511,000 elected offices in the U.S. - from local school boards way up to President - openly gay men and women occupy just 450 of them, according to the U.S.-based Victory Fund, an organization that offers financial support to gay political candidates. No openly gay person has ever sat in the Senate, and only three hold seats in the House of Representatives...
...Research Center in 2007 believed that society should "accept" homosexuality. Contrast that with attitudes in Europe where more than 80% of French, Germans and Spaniards had such a view. Only Catholic and conservative Poles felt as uncomfortable with the idea as Americans. Denis Dison, a spokesman for the Victory Fund, says those attitudes can make it difficult for gay people to campaign - let alone obtain office. "In places where the climate isn't friendly, it's hard for them to even go into a town hall meeting or public forum because they get such nasty questions." (See a TIME video...
Harvard’s latest bond sale brought the school’s outstanding debt to $6.5 billion dollars, a debt load comparable to that of the city of Chicago. Proceeds from the sale—which attracted a mix of investors including high net worth individuals, hedge funds, and insurance companies—will be used to fund a building project at the Law School and to refinance previously issued University debt...
...portion of this week’s sale will fund the Law School’s Northwest Corner Building, a complex that will house a student center, the school’s growing clinics, and classrooms...