Word: localizes
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...course, community banks, despite weathering the credit storm relatively well so far, may soon face their own troubles. Unlike larger banks, most community banks were not big in the residential-mortgage business. Instead, they made a lot of loans to local developers. As the economy sours, more and more of those loans are starting to go bad. Some analysts have predicted that as many as 1,000 banks could fail as a result of the nation's economic woes. Many of those banks will be of the smaller variety...
...distinguish between moral attitudes and personality traits in terms of the extent each are molded by influences outside the home. What sets them apart? It hinges on the distinction between socialization and personality development. The strongest influence on morality is the local culture or subculture. But this influence may be different in different situations. For example, according to the local culture, it might be okay to cheat on a test in school but not okay to cheat in sports. Socialization adapts children to their culture - they learn to behave in the manner approved by their culture...
...some cases, fees were deducted or the gifts were taxed to the point there was little left, according to local police. Families in Quang Binh province complained that they were required to sign receipts acknowledging they had received the handouts, but some villagers say more than 90% of the funds were siphoned off by petty bureaucrats. In the province of Quang Ngai, dozens say they were forced to donate to a so-called rural traffic fund. Other destitute villagers reported they had to contribute to a fund for the poor. Investigations of these and scores of similar cases have begun...
...Hanoi appears to be falling short in its efforts to inspire public confidence. The Ministry of Finance announced the stimulus package months ago but the measures have only just been implemented in the last few weeks, says Tu Anh. Now the government's image has been further tarnished because local officials have been stealing from the very people Hanoi was trying to help...
...spending sprees, with funds supposedly siphoned from Zimbabwe's state bank. According to the Sunday Times, she has spent tens of thousands of dollars on designer handbags and Vietnamese marble statues, and is supposedly speculating in a lucrative China-based diamond business. During stays in Hong Kong, according to local reports, Grace's entourage occupies two whole floors of some of the fanciest hotels. She was photographed in 2003 with 15 trolley loads of luxury goods while sitting in a first-class lounge in Singapore's airport. The Reserve Bank of Zimbabwe reportedly doled out $92,000 for her latest...