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...capital minus intangibles). He got a ratio of 24.8. This is a worrying multiple: the leverage of U.S. banks in 1993, years before the start of the asset bubble whose excesses have now brought the world to its economic knees, was just 20. To bring leverage back to that pre-bubble level, Nomura estimates that U.S. banks need to either shed $2.8 trillion in tangible assets (by selling loan portfolios, subsidiaries and other holdings) or else raise $141 billion in new capital...
...flexibility and more accessible options.Many departments say that they wanted to de-emphasize preparing their concentrators for future academic work in the field, prioritizing a compelling introduction to the subject matter instead.“We did this because we didn’t think the concentration should be pre-professional scholarly training,” says Mark J. Schiefsky, the Classics department’s director of undergraduate studies, while explaining why the department decided to eliminate its long-standing (and notoriously rigorous) general examinations.“We’re supposed to be offering something that?...
...Carolyn Sweet remembers her son in his pre-Naval Academy years as a “curious” boy with a penchant for mathematics. Sweet, who graduated second in his high school class, was always a bit precocious for his peers: “I said, ‘Remember, you’ve got to have patience because things that come easy for you, don’t come easy for most of us,’” Carolyn Sweet recalls telling her son. Once in the Navy, the Sioux City, Iowa native served...
...April, Smith, Hammonds, and University President Drew G. Faust made the decision “not to create a separate, structured ‘January experience’ with programming offered by the College.” Instead, the campus would only be open to a select number of pre-approved students. MIXED REACTIONSThough students say they welcomed the opportunity for a five-week winter break, many say they were slightly disappointed that the College administration will not provide programming next January. “People got excited, and then they decided to cut it,” says Rebecca...
Coming out used to be an exhausting process. You had to come out again and again and again to all your friends at different times. Nowadays, even with social networking, gays still have to come out, but one of the key differences between our pre-profile selves and our new online presentations is that now (finally!) the burden is also on our friends to discover and digest our identities. For the lesbian, gay, bisexual and transgender (LGBT) community, Facebook et al have finally leveled the identity field, and it's kinda nice. (See a visual history of the gay-rights...