“…Regulators should ensure financial intermediaries maintain strong capital ratios to address potential financial market shocks from abroad and real estate risks in the domestic economy. …”

“…The stock of existing mortgages should be gradually converted into amortising mortgages, the cap on the loanto- value ratio reduced significantly below 100% and housing subsidies to homeownership cut more decisively. …”

“…The economic adjustment programme supported by the IMF and the EU foresees a gradual consolidation of the public finances to stabilise and reduce the debt to GDP ratio and restore fiscal sustainability. The programme builds on significant progress that has already been made to contain the deterioration of fiscal accounts and the government plans to introduce further fiscal adjustment in 2012 and later years in line with the programme. …”

“…The levels of non-performing loans and capital adequacy ratios compare poorly in international perspective and may deteriorate further, which could require significant bank recapitalisation. …”

“…We find that the increase in the years of education of the total population has a positive influence on output per capita growth (around 10% of GDP per capita increase per additional year of education on average), and that a more equal ratio of education by gender boosts economic growth. …”

“…If high debt results in low growth, an issue of causality that is not systematically examined in this paper, then this suggests rather low debt-GDP ratios would be appropriate. Furthermore, the absence of threshold effects or low estimated thresholds may not preclude the emergence of further threshold effects, especially as public debt levels are rising to unprecedentedly high levels…”

“…Sont également incluses des informations sur le nombre de banques, leurs filiales et leur personnel, ainsi que des informations structurelles relatives à l’ensemble du secteur financier. En outre, des ratios, calculés à partir de différents postes des comptes des banques en pourcentage d’agrégats spécifiques, sont proposés pour faciliter l'analyse des tendances de la rentabilité des banques des pays de l'OCDE. …”

“…Besides reporting and documenting the historical data, expert analyses provide fresh insights into important aspects of the industry including: the cost of discovery, resources to production ratios and the time to reach production after discovery, among others. …”

“… · Get more insight from income statements and balance sheets · Manage current assets and value inventories · Summarize transactions from journal to balance sheet · Analyze working capital, cash flow, statements, and ratios · Optimize budgeting and planning cycles · Make more accurate and useful forecasts and projections · Measure product or service quality · Plan investments, set decision criteria, and perform sensitivity analyses · Analyze profits, pricing, costs, contributions, and margins · Make better decisions in uncertain conditions · Understand and maximize the value of fixed assets · Efficiently import and export business data · Use Excel and Power BI to analyze data from QuickBooks or other sources…”

“…Cover the basics, including understanding double entry bookkeeping, planning and setting up a QuickBooks accounting system, and loading master file lists Create a dynamic accounting environment by adding customer invoices, vendor payments, inventory tracking, cash management, and bank account information Establish DIY payroll processes, and prepare essential financial statements and reports Manage and balance financial needs through activity-based costing, project and job costing systems, ratio analysis, economic value added analysis, capital budgeting, budget building, business plan forecasts, and more QuickBooks 2016 All-In-One For Dummies is the guide you need to take care of your small business' books with confidence!…”

“…In order to achieve a pure microelectrode behavior with the UMEA, increasing the ratio of interelectrode distance to electrode diameter is recommended for further developments…”

“…Coverage includes: market value and accounting balance sheets, cash cycles, the DuPont formula, financial distress, and capital as a risk buffer; constructing pro-formas, projecting and bridging financing shortfalls, and planning sustainable growth; sources/uses of cash, cash income statements, pro-forma balance sheet changes, working capital, depreciation, and capital expenditures; risk-free cost, investment risks, and diversifiable vs. idiosyncratic risks; NPV, APV, Optimal Debt Ratios, Capital Structure Dynamics, Terminal Value Calculations, and more. …”

“…On top of them, the cost/performance ratio of novel solutions, since their introduction must be convenient, without compromising quality. …”

“…Edited by Len Zacks, a CEO of Zacks Investment Research, the book will explore earnings revisions and surprises; trading by company insiders; stock price momentum patterns; low price-earnings ratios; sector characteristics; seasonal patterns and other areas or market inefficiencies. …”

“…The rapid mortality decline that began during the 1950s, and the more recent and even sharper reduction in fertility, will produce unusually high rates of growth of the older population, a large change in overall population age composition, and significant increases in the ratio of older to younger population. According to the 2013 United Nations projections, the number of people aged 60 and over in LAC is expected to increase from 59 million in 2010 to 196 million in 2050, and the number of people aged 80 and over will increase from 8.6 million to more than 44 million during the same period. …”

“…PLUS A BONUS RECORDING: *How to use emotional logic in the selling process to increase your closing ratio…”

“…One study reported HIV infection: odds ratio for HIV infection was 0.82 (95% CI= 0.64-1.05), that is, 15.7% lower in the intervention group compared to the control group at 18 months follow-up. …”

“…Como es sabido, se trata de una expresión ciertamente bella, que corresponde a la tradición neoplatónica, y que comparece en la Proposición 15 del Liber de causis: "Ratio oritur in umbra intelligentiae". Ser y vivir conforme a la razón constituye elemento esencial del hombre. …”

Tabla de Contenidos: “…4.2.1 DFT-Based Analysis Synthesis with Perfect Reconstruction 55 -- 4.2.2 Probability Distributions for Speech and Noise DFT Coefficients 57 -- 4.3 Voice Activity Detection 58 -- 4.3.1 VAD Design Principles 58 -- 4.3.2 Evaluation of VAD Performance 62 -- 4.3.3 Evaluation in the Context of ASR 62 -- 4.4 Noise Power Spectrum Estimation 65 -- 4.4.1 Smoothing Techniques 65 -- 4.4.2 Histogram and GMM Noise Estimation Methods 67 -- 4.4.3 Minimum Statistics Noise Power Estimation 67 -- 4.4.4 MMSE Noise Power Estimation 68 -- 4.4.5 Estimation of the A Priori Signal-to-Noise Ratio 69 -- 4.5 Adaptive Filters for Signal Enhancement 71 -- 4.5.1 Spectral Subtraction 71 -- 4.5.2 Nonlinear Spectral Subtraction 73 -- 4.5.3 Wiener Filtering 74 -- 4.5.4 The ETSI Advanced Front End 75 -- 4.5.5 Nonlinear MMSE Estimators 75 -- 4.6 ASR Performance 80 -- 4.7 Conclusions 81 -- References 82 -- 5 Extraction of Speech from Mixture Signals 87 / Paris Smaragdis -- 5.1 The Problem with Mixtures 87 -- 5.2 Multichannel Mixtures 88 -- 5.2.1 Basic Problem Formulation 88 -- 5.2.2 Convolutive Mixtures 92 -- 5.3 Single-Channel Mixtures 98 -- 5.3.1 Problem Formulation 98 -- 5.3.2 Learning Sound Models 100 -- 5.3.3 Separation by Spectrogram Factorization 101 -- 5.3.4 Dealing with Unknown Sounds 105 -- 5.4 Variations and Extensions 107 -- 5.5 Conclusions 107 -- References 107 -- 6 Microphone Arrays 109 / John McDonough, Kenichi Kumatani -- 6.1 Speaker Tracking 110 -- 6.2 Conventional Microphone Arrays 113 -- 6.3 Conventional Adaptive Beamforming Algorithms 120 -- 6.3.1 Minimum Variance Distortionless Response Beamformer 120 -- 6.3.2 Noise Field Models 122 -- 6.3.3 Subband Analysis and Synthesis 123 -- 6.3.4 Beamforming Performance Criteria 126 -- 6.3.5 Generalized Sidelobe Canceller Implementation 129 -- 6.3.6 Recursive Implementation of the GSC 130 -- 6.3.7 Other Conventional GSC Beamformers 131 -- 6.3.8 Beamforming based on Higher Order Statistics 132 -- 6.3.9 Online Implementation 136 -- 6.3.10 Speech-Recognition Experiments 140.…”

“…Del mismo modo, el núcleo de la monografía lo integra el estudio de los costes que conllevan este tipo de operaciones, bien sean en forma de intereses remuneratorios fijos o variables, intereses moratorios, intereses de descubierto y de excedido, TAE, comisiones y otros gastos entre los que caben destacar aquellos vinculados a la tasación de un inmueble o a la contratación de un seguro. …”