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Plato on Knowledge and qui pense, Forms: Selected Essays. Gail Fine, Plato on Knowledge and Forms: Selected Essays , Oxford University Press, 2003, 464pp, $39.95 (pbk), ISBN 0199245592. Reviewed by circle, Christopher Shields, University of Oxford. Plato introduces Forms as specially suited to qui pense be objects of knowledge: unlike the sense particulars named after them, Forms are stable, pure, and uncluttered by context. That is, unlike sense particulars, Forms never vary in literature poetry and drama, their evaluative features from one context of appraisal to the next. When we say that Helen is beautiful, we mean, implicitly, that she is beautiful in comparison with other mortals; perhaps she does not fare so well when placed in comparison with the goddess Selene.
Helen may be contrasted in this respect with the Form of Beauty, which Plato characterizes in an extravagant passage of the dissertation est ce le cerveau qui pense Symposium as Beauty itself, taken by for composition fiction poetry, itself, within itself, one in Form, existing always ( auto kath' hauto meth' hautou monoeides aei on dissertation est ce le cerveau, ; 211b1). The Chalk Circle Prize! The Form of Beauty is never anything but pure and unadulterated beauty, and it is nowhere subject to contextual variation; it is never, in relation to anything else, not beautiful. Beauty Itself will never suffer the fate of beautiful sense particulars; it will be instead the unfailing essence of what it is to be beautiful. Dissertation Est Ce Le Cerveau! In view of their constancy and stability as abstract entities, Plato supposes, Forms alone can be known, or can alone provide the basis for what he calls episteme . Plato's primary approach to Forms is literature for composition essays fiction, thus simultaneously metaphysical and epistemological: given what they are, Forms may serve as objects of knowledge; and given that our knowledge requires such objects, there are Forms. Prof. Gail Fine has investigated these yoked epistemological and metaphysical dimensions of dissertation, Forms with care, insight, and tenacity for over a quarter century -- with the result that she has forced us to rethink our basic understanding of Forms from the ground up.
Indeed, she probes even some of the innocuous sounding templates retailed in the first paragraph of this review. Several of her papers have acquired classic status and many more are widely read and discussed in the professional literature on Plato. Second Grade Questions! This welcome anthology collects together fifteen of her published papers, some of them lightly touched up for clarity and scholarly accuracy, but mainly as they appeared originally. Although almost all of the papers in the volume have been readily accessible in research libraries, two benefit especially by their inclusion because of their relative inaccessibility ('Forms as Causes: Plato and dissertation est ce le cerveau, Aristotle' and 'Plato and Aristotle on Form and writing essay on standarized testing, Substance'). Also welcome is a full, clear, and mildly polemical Introduction, in which Fine traces the main themes of her work and est ce, responds selectively to her critics. The Introduction is a model of its kind: Fine addresses her critics with the same care and intensity she displays in analyzing Platonic texts, with the result that those not already versed in the intricacies of Platonic exegesis may be brought swiftly up to speed, at the chalk circle winning essays, least as regards the topics of dissertation est ce qui pense, special concern to Fine. Because these topics include most of essay, those central to Platonic metaphysics and epistemology, the Introduction will prove of special value to dissertation qui pense advanced students first immersing themselves in my identity, the contemporary scholarly literature on Plato. Fine's dominant areas of concern embrace a series of overlapping topics, including but not limited to: (i) Meno's paradox of le cerveau, inquiry and its relation to knowledge, understanding, and definition; (ii) the persuasive testing so-called Two-Worlds Theory, according to which, in its simplest formulation, Plato regards knowledge and belief as ranging over two discrete and qui pense, necessarily disjoint sets of objects, namely abstract Forms and sensible particulars; (iii) Plato's thoughts about justification and explanation, where Fine has a recurring concern regarding whether Plato's epistemology should be thought more closely akin to contemporary coherentism, or, as has traditionally been assumed, it is better conceived as a version of foundationalism; (iv) ante rem and in rebus realism in Plato and Aristotle; (v) the ways in writing testing, which Forms are and are not usefully conceived as causes; and (vi) the nature and separation of substances in dissertation est ce le cerveau qui pense, both Plato and Aristotle.
Fine advances clear and distinctive theses with respect to each of these topics, in many cases heterodox, sometimes markedly so, always philosophically alert, and consistently engaging. She proceeds with an eye cast on the ultimate defensibility of Plato's philosophy, and does not shy from offering spirited criticisms or defenses of Plato where she thinks they are warranted. In this last regard, Fine appropriately attaches special significance to Aristotle's presentation of Platonic claims and arguments, where very often she discovers something of essays mla, value in his representation of Plato, even while, with equal frequency, she supposes that Plato has the resources to rebuff or neutralize Aristotle's criticisms. In an effort to display something of the character of these essays, which are remarkably consistent in tone and method, I will focus on le cerveau qui pense, just one theme central to the chalk circle Fine's work: Meno's paradox of inquiry. Given her interwoven interests, it is le cerveau qui pense, unsurprising that Fine has returned again and again to Meno's paradox of essays mla, inquiry. If we accede to a widely accepted though nonetheless controversial way of viewing the dissertation est ce le cerveau chronology of Plato's dialogues, according to which they divide roughly into four phases, the Socratic, transitional or early Platonic, middle Platonic, and late Platonic (endorsed by Fine on 1 n. 1), then we will likely regard the Meno as belonging to the transitional phase.
Indeed, whatever our scholarly predilections, it is easy to read the grade book report Meno as transitional in est ce le cerveau qui pense, a thematic sense, in that it begins, in keeping with a series of other short, aporetic dialogues, by prize winning essays, presenting Socrates as inquiring together with an dissertation le cerveau qui pense, interlocutor into the nature of virtue ( arete ), but then shifts abruptly to a broadly methodological question about the success conditions of any such inquiry. That is, after posing what we may call his 'What is F-ness?' question regarding the nature of virtue, the dialogue gives way to essays mla a broadly epistemic inquiry into the demands of knowledge acquisition. How, demands Meno, after being schooled by the sting of dissertation le cerveau qui pense, Socratic elenctic refutation, can we possibly succeed in providing the intercultural prize answer sought ( Meno , 80d)? After all, if we know the answer, we will have no need to inquire. On the other hand, if we do not know the dissertation le cerveau qui pense answer, then we will hardly be in a position to circle prize recognize it as such should we happen to stumble upon it. So, the Socratic impulse for analysis is doomed from the outset: it is dissertation le cerveau, either unnecessary or bound to fail. Meno's paradox of inquiry serves as a crux for Fine's Platonic investigations for at second grade questions, least two reasons. First, it raises a deep and perplexing question about the hopes and aspirations of philosophical analysis, of the sort practiced by dissertation est ce le cerveau, Socrates and Plato, as indeed it has been practiced, in one guise or another, by most of the rest of the my identity tradition they inaugurated, down even to the present day. What is dissertation, it, precisely, that Socrates hopes to literature for composition achieve in posing his 'What is F-ness?' question?
Second, and more importantly, however we answer the dissertation first question, it is plain that Socrates is essays mla, here as elsewhere in the early dialogues holding out for an answer which demonstrably crosses some specifiable epistemic threshold. That is, if I intend to dissertation est ce le cerveau qui pense satisfy Socrates, I cannot say that being virtuous simply means trying to be a decent sort of a person, always doing what I can to identify the right course of action and literature essays fiction and drama, then proceeding accordingly. He will surely want to dissertation know what being decent requires, or what it is that makes something right in literature essays and drama, this or that context; and he will want to learn my reasons or justifications for believing the dissertation qui pense things I do, or, more generally, he will want me to offer an explanation which shows my beliefs about what is right are moored to the truth by essays mla, some satisfactory linkage. He will want, in short, to ascertain whether I have knowledge (or, as some would prefer, understanding , episteme )  instead of mere belief ( doxa ), where my having knowledge will minimally implicate me in having a capacity beyond my being able merely to report clearly and accurately what I happen to think. Thus Meno's paradox of inquiry involves inter alia a demand from le cerveau qui pense, Plato for a characterization of the standard presumed by any poser of the 'What is for composition and drama, F-ness?' question. As such, it requires epistemological reflection arriving in two phases. First, what standard must be achieved if we are to move from mere true belief to knowledge ( episteme ), or, indeed, if we are to follow Meno's attitude towards Socrates' protestations of ignorance, from total ignorance to knowledge? Second, and we should appreciate that this is dissertation est ce le cerveau qui pense, a distinct if intimately related question, when we apply the 'what is F-ness?' question to episteme itself, what can we offer by way of analysis? That is, we have already been assuming, perhaps justifiably, that episteme is essay food, not the same as true belief. How was it, in le cerveau, the first instance, that we came to know any such thing? Looked at this way, Plato is simultaneously engaged in two, overlapping questions, one primarily analytical, fully in keeping with the Socratic tendency to ask the 'What is my identity essay, F-ness?' question, and another not directly analytical but instead probing the standards of est ce le cerveau qui pense, epistemic normativity.
This second question is important for assessing Fine's approach to Meno's paradox of inquiry, insofar as she understands Plato's solution to turn crucially on the applicability of this sort of norm: 'Indeed, one of his main projects is to distinguish knowledge from both belief as such (whether true or false) and from true belief in particular, and to explain why knowledge is essays mla, both more valuable and more difficult to achieve' (4-5), where knowledge, unlike belief, is thus conceived as a 'high-level cognitive condition' (3). Looked at from Fine's perspective, then, we should not be surprised by Plato's response to dissertation est ce le cerveau Meno's paradox of my identity essay, inquiry: he merely distinguishes knowledge from est ce, true belief and then shows how one may begin in belief but end in literature essays fiction poetry, the more exalted position. This paradox is in fact first posed rather discursively by Meno (80d5-8), but then regimented by Socrates into a crisp dilemma (80e1-6): (1) For all x, either S knows x or not; (2) If S knows x, S cannot inquire into x; (3) If S does not know x, then S cannot inquire into x; hence, (4) For all x, S cannot inquire into x. If S is dissertation est ce le cerveau, any arbitrary inquirer, then for any x unknown by descriptive essay, S, S should not waste her time with x. Plato's response to this dilemma has occasioned perplexity. To begin, he derides it as a bit of dissertation est ce, eristic (80e1), implying that it relies on a slippery trick or some sort of equivocation. Descriptive On Favorite!  As Fine is dissertation est ce le cerveau qui pense, aware (52-3), about that much he is second grade book report questions, surely correct: if (2) has any chance of being true then 'know' must mean something like 'knows all about x', whereas if (3) has a prayer, 'does not know' must mean not 'does not know all about x' but rather 'does not know anything about dissertation qui pense x' with the result that either (2) is true and (3) is false, or (3) is true and (2) is false, or, if we give both (2) and grade book report questions, (3) true readings, then (1) is false and not the dissertation instance of the excluded middle it may have first seemed to be. So much is fair enough. Second! One puzzle about Plato's response, though, is precisely that he does not -- after indicating that he regards the eristic version of Meno's paradox as guilty of some such fallacy -- provide this sort of dissertation qui pense, diagnosis.
Instead, he launches into a report of a story handed down to us by some unnamed priests and priestesses to the effect that the descriptive essay soul is immortal and has already learnt everything, so that it can recollect what it does not have present to mind when asked ( Meno 85c-d). He follows up with his famous slave passage ( Meno 82b-85d), which he says is intended to illustrate the truth of this story ( Meno 82b2). His doing so is both surprising in its own terms, and, it would seem, unnecessary in le cerveau qui pense, the context. To begin, Plato's story about the priests and priestesses deploys excessively heavy artillery, namely the immortality of the soul and the doctrine of learning as recollection, to turn back an already disarmed threat. If the slave passage shows these stories to be correct, then it too presupposes both the doctrine of recollection and the pre-natal existence of the soul, just as Plato claims it does (85d9-86b4). If we add to this already heavy arsenal a claim made only later, in the Phaedo , that the doctrine of recollection stands or falls together with the theory of Forms (76c7-d7), then we may well be left wondering why Plato did not simply unmask the literature essays fiction poetry equivocation and rejoin his inquiry into virtue. In any event, if the argument is fallacious, and Plato knows that this is so, then it is unclear why he should regard it as an impediment to an inquiry into le cerveau virtue or any other topic of literature fiction, analysis. The puzzles do not, however, end there.
On the contrary, when we are confronted with Plato's response to Meno's paradox of dissertation le cerveau qui pense, inquiry, we are presented with a series of interlocking perplexities. The first we have already seen: why does he not simply dispatch the literature for composition essays poetry and drama dilemma, as he indicates he is entitled to do, by putting its fallacy on display? Second, why does Plato need, or think he needs, the doctrine of recollection in order to dissertation est ce qui pense turn back the dilemma? Does he think he needs it? If he does need it, or think that he needs it, which premise is it intended to overturn? Finally, what is the relation between the doctrine of recollection and the elenctic response provided in the slave passage?
Plato concludes that passage by once again adverting to the doctrine of literature essays poetry and drama, recollection ( Meno 85d9-86b4), but it is not clear that he has any need to le cerveau qui pense do so. More to the point, if Fine is essays, correct about Plato's response to Meno's paradox, then it is not at dissertation est ce, first transparent why Plato should proceed as he does. Many scholars understand Plato to be rejecting the second premise (2), that if S knows x, S cannot inquire into x. Fine disagrees, in part because she envisages messy consequences for this strategy, including most prominently that it seems to saddle those wishing to inquire with the significant epistemic burden of having to know some things before their inquiry becomes possible. As Fine presents the matter, Plato's response is simple and direct: he rejects premise (3), the claim that if S does not know x, then S cannot inquire into x. His rejection turns crucially, and correctly, on the observation that knowledge is not true belief. Surely, she suggests, the slave passage amply illustrates that we can grope our way forward when we have true opinion in writing essay, the absence of knowledge. This is, moreover, how knowledge progresses across a host of dissertation est ce le cerveau qui pense, domains. So much, maintains Fine, is the essays mla ultimate purport of the slave passage: the slave boy moves from doxa to episteme through the progression of an orderly elenchus.  It is, however, a testament to the abiding appeal of Fine's hermeneutical methodology that her unblinking and direct presentation of the issues betrays a thoroughness and measured appreciation of the dissertation est ce complexity of her texts which may not be immediately apparent.
To see this, we may consider her seemingly deflationary response to Meno's paradox in literature for composition fiction and drama, light of the problems of interpretation we have identified. Working backwards, if Plato simply wants to reject (3) by showing how it is possible to move from true belief to knowledge, why does he need (or think he needs) to deploy the theory of recollection? Is this not overkill? 'I suggest that the theory of recollection is introduced, not as a direct reply to the paradox (the elenctic reply plays that role), but to explain certain facts assumed in the elenctic reply' (62). The doctrine of recollection helps to explain an otherwise inexplicable fact about any elenctic-induced transition from doxa to episteme , namely that we somehow seem able to dissertation est ce qui pense navigate our way by relying primarily on those beliefs which happen to be true -- primarily but not exclusively since, as the essays mla slave passage itself makes clear, false beliefs play a significant heuristic role in any journey towards episteme . Looked at that way, Plato's rejection of (3) is an adequate sort of response to Meno's paradox in broad outline, but is at the same time a shell of a response, plainly in need of further specification and development. As Fine reads him, one part of Plato's response augments and dissertation, helps to secure the other. Here, as very often elsewhere in this volume, Fine identifies a complex problem and then seeks a co-ordinated response. Still, allowing that much, we are left with our first puzzle, as to why Meno's paradox of descriptive essay, inquiry occasions more than a curt dismissal. Fine does not address this concern directly (though cf. 52 n. 22). Le Cerveau! One is left wondering, then, whether the paradox is introduced as a mere pretext, as a springboard for epistemological and methodological theses which Plato is otherwise keen to essays poetry and drama advance.
In any event, it is hard to credit the suggestion that the lameness of the argument simply escaped Plato's notice. If that is so, then the thought that the doctrine of recollection provides needed augmentation for the elenctic slave passage, even if correct, begins to seem unduly selective. Perhaps, though, to ask for this much co-ordination is to ask too much: no interpretation ties up every loose end. In this sense, Fine's presentation of these issues has the est ce le cerveau qui pense happy effect of leaving her reader wanting more. Fine's treatment of Meno's paradox of essay on favorite, inquiry merits discussion in the current context not only because of its intrinsic interest but because it so clearly typifies the distinctive form of dissertation le cerveau qui pense, philosophical scholarship she practices throughout these papers.
They are without exception characterized by descriptive, an enviable clarity, a transparent seriousness of purpose, and an animating love for Platonic philosophy which cannot but prove contagious. To be sure, in surveying the dissertation many responses to Fine's work, it grows quickly clear that the contagion has often manifested itself in the form of scholarly dissent, at times rather pronounced. This is, however, in the end a continuing tribute to the chalk circle prize winning essays the force and vivacity evinced in le cerveau qui pense, these papers. People respond to Fine because she has something to my identity essay say; and dissertation est ce, what she has to second book report say she says forthrightly, with never a hint of the cagey opacity characteristic of so much Platonic scholarship. Fine offers her texts, her critics, and her readers alike the courtesy of a welcome and uncommon intellectual candor.   The choice in diction reflects more than a minor matter of dissertation le cerveau qui pense, translation. It has to some extent come to encode a larger question concerning the degree to which we should or should not treat Plato's concerns in such dialogues as the Meno or Theaetetus as continuous with the persuasive on standarized varied enterprises of contemporary epistemology. Fine sees strong forms of continuity (hence, knowledge), where some other scholars have wanted to distance Plato from what they regard as the distorting lens of contemporary preoccupation. See, for le cerveau example, A. Nehamas, 'Meno's Paradox and Socrates as a Teacher,' Oxford Studies in Ancient Philosophy III (1985), 1-30.
The issue is taken up by Fine in another paper on the Meno , published after the appearance of the collection under review, 'Knowledge and True Belief in the Meno ,' Oxford Studies in Ancient Philosophy XXVII (2004), 41-81.  It is sometimes suggested that this worry is not legitimate, since Socrates does not mean to literature essays fiction poetry and drama assail the qui pense argument as fallacious. After all, his calling it 'eristic' might merely be a remark about its provenance and not about its structural features: those in the Megarian School associated with Euclides were known, somewhat derisively, as 'the Eristics' (D.L. 2 106). Intercultural Prize! This is unpersuasive, however, inasmuch as it mainly postpones the question, since the Megarian School was called eristic precisely because of the dissertation qui pense fondness of some of its members, evidently including Euboulides , for descriptive on favorite food propounding equivocal arguments.
On Plato's use of 'eristic', see Lysis 211b6-c2.  For some doubts about the degree to est ce which we should regard the food slave passage as an instance of the elenchus, see G. Vlastos, Socrates: Ironist and Moral Philosopher (Cornell: 1991), 119-120.  I thank Lesley Brown for her characteristically astute comments on a draft of dissertation le cerveau, this review.
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Roles of Deregulation on Banking Sector. What roles have deregulation, innovation, and globalization played in changing the character of bank management in recent decades? Has the overall outcome of the changes been greater stability in the banking sector? Discuss the respective roles of asset and liability management in modern banking. Deregulation, innovation and globalisation has changed the dissertation est ce le cerveau way banks run from asset management to liability management, as well as the change from ‘mono’ to ‘multi-tasking’ and the increased competition in the sector as well as risk. We will write a custom essay sample. on Roles of Deregulation on Banking Sector or any similar. topic specifically for you. The banking system has evolved drastically from the traditional mono-tasking institution to essays mla what it is now. This change in roles of asset and liability management could be one of the main reasons behind the global financial crisis of which the aftermath effects are still being felt. In this essay I will analyse these three trends in turn and so to explain the reasons for the change to liability management.
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In the 1970s the UK was increasingly allowed to use variable rate lending (e. g. Qui Pense! LIBOR) instead of sticking to with an unprofitable loan rate when interest rates were volatile; this endowment gave banks higher profit margins. Later on in 1980s the Thatcher government ended all credit and FX exchange controls. This promoted the change from asset management to my identity essay summary liability management, variable rate lending meant stock of loans could be determined by demand, and effective those who want a loan gets a loan. This was explained by the Net interest margins (NIM=interest revenue on assets-interest revenue on liabilitiesinterest earning assets). This differential actually improves the bank’s profitability. Banks therefore actively create liabilities (borrow from other banks) in ‘money markets’ and dissertation le cerveau, thus switch to ‘liability management’ trying to maximise sources of on favorite food, funds.
The asset management of the dissertation qui pense past where loans was seen as a ‘person to person’ management no longer existed, as banks greatly expanded their balance sheet they reduced their capital to my identity essay summary asset ratios (high gearing) and mortgages are bundled and not monitored, consequently the risk exposures of banks began to increase (complexity of bundling was a factor which led to the current crisis). ) The second phase sees the dissertation est ce ending of the sharp distinction between banks and NBFIs (non-banking financial institutions). In the 1980s, banks were given the right to intercultural winning essays compete in the mortgage market and building societies allowed to compete in est ce qui pense, the market for consumer credit; i. e. both allowed in each other’s markets. Whereas in US, banks were not allowed to compete in the field of investment banking and insurance until 1999. 3) The third phase allowed increased competition within the financial sector and from outside it. NBFIS and other new kinds of financial institutions attached to summary other financial operations provided new kinds of services such as online banking (within the financial sector). Dissertation Le Cerveau! Firms from outside the financial sector also entered the the chalk prize winning essays financial services market including Tesco, Marks and le cerveau, Spencer (UK), and GM and GE in the US (General electric’s financial arm makes 1/3 of its profits! ). The three phases of deregulation is the main driving force for banks and NBFIs to compete aggressively and take on excessive risk (through actively searching out liabilities) to gain higher profit margins. By expanding their balance sheet through liabilities, they increase exposure to credit risk and become highly sensitive to the state of the economy i. e. more defaults during downturns of the economy. Fiction And Drama! Apart from deregulation, financial innovation also played a role in the shift to liability management.
Since the 1970s, there has been great instability in the financial environment; there were unpredictable swings in interest rates, exchange rates and inflation; there’s increased demand for NEW financial instruments to hedge against this risk. This lead to the development of all sorts of exotic instruments such as currency options/options/exchange contracts, interest rate swaps and credit default swaps. It is no longer adequate for banks to look at averages over time, investment banks now trade at massive quantities (high-frequency trading) to profit from the narrowest margins. The development of ever more complex instruments is also the solution for the ever increasing sophistication of est ce le cerveau qui pense, regulation, as to find loopholes. US banks started to branch out to off shore operations in order to exploit the loosely regulated markets. This is one of the effects which is essays mla, interconnected to globalisation (discussed later on) Financial innovation also includes technological developments which includes the computerisation of banking, telecommunications and customer’s files. Le Cerveau! The introduction of electronic payments (credit cards) and ATMs also saw unit transaction costs fall.
More importantly, there is a growth in automated trading services, allowing banks to process high volume trading comparing to traditional banking. Lastly we have the factor of Globalisation in the shift to liability management. It follows on my identity the things discussed earlier in the essay; the UK started deregulating far earlier than the dissertation le cerveau qui pense US and this became a pull factor; so this is great motivation for the US firms to expand into the European market (funding is restricted by regulation Q which as a push factor), a more profitable and a larger Eurodollar market. This in general shows globalisation in the financial system and the growth of MNCs in general. My Identity Essay Summary! Securitisation has also increased pace of globalisation of banking. This refers to le cerveau qui pense pooling contractual debt (mortgages/car loans) and essay testing, selling these in the form of bonds or Asset backed securities. Eventually this lead to the fragility of the dissertation bank’s balance sheet; if much of the bank’s assets is no longer ‘mediated’ why should you trust another bank? This lead to the financial crisis we have today, where the fall in house prices in the US lead to the fall in securities (the Asset backed securities) damaging financial institutions globally and created insolvency issues. The collapse of big financial institutions eventually lead to the biggest bailout ever in US history; deregulation, financial innovation and globalisation all played a part in this crisis. Based upon the discussion of the three common trends in the banking sector that led to a shift from asset management to liability management above, I will now focus on how these contributed to the expansion of bank’s balance sheets. Essays Mla! Interlinking deregulation, innovation and globalization, we see banks fighting harder to compete amongst one another and with NBFIs as well.
As more and dissertation le cerveau, more major conglomerates start offering financial intermediation services, it is no wonder banks have been driven to expand their balance sheets to remain competitive. Where this was previously unattainable due to writing on standarized testing strict regulations in the banking industry, the deregulation that has taken place now creates a great incentive for banks to take on more risks in order to expand their balance sheets. Furthermore, the absolution of the Glenn Seagal Act in dissertation est ce, the UK has led to a. Banks finance their expansion by borrowing from the inter-bank loan markets, hence leading to the huge increase in financial sector debt over second grade questions, the last 3 decades. Est Ce Le Cerveau! This has become a cause of worry, as increased risk taking and declining liquidity of banks have led to the financial crises of essay on favorite, 2008 that has persisted until today, as the European economy becomes increasingly volatile. Due to increased competition created by the deregulation process, banks have now become more aggressive in trying to win market share by expanding their balance sheets and providing loans or mortgages at high risks. The decreasing number of credit-worthy borrowers has lefts banks with no choice but to le cerveau qui pense lower their underwriting standards and issue mortgages to high-risk individuals, resulting in a leap in subprime lending that led to persuasive testing the global financial crisis of 2008. Est Ce Le Cerveau Qui Pense! Essentially, investment banks and and drama, hedge funds used financial innovation to enable large wagers to be made, far beyond the actual value of the underlying mortgage loans, using derivatives called credit default swaps, CDO and synthetic CDO. As long as derivative buyers could be matched with sellers, the le cerveau qui pense theoretical amount that could be wagered was infinite. Conclusively, the summary transition from banks focusing on asset management to liability management today, coupled with the various effects of globalization, financial innovation and globalization has led to banks expanding their balance sheets with high risk mortgages and various other risky ventures, resulting in a massive surge of dissertation le cerveau qui pense, debt held by the financial sector.
As deregulation decreased interest rates in the US and people demanded more loans, banks started providing loans to credit-unworthy individuals, resulting in a spike in bad debts and eventually bringing about the burst of the housing bubble in 2006/2007 which, when coupled with the grade book report fact that banks were borrowing from one another to finance risky ventures whilst maintaining a very minimal liquidity requirement has led to a vulnerability of the banking system that resulted in the global financial crisis in 2008. Economists have argued that the trend of deregulation has not kept up with the pace of financial innovation that now allowed banks to onduct various unmonitored activities that could lead to an increased vulnerability of the banking system. To prevent a future crisis, the US authorities have to re-evaluate their deregulation trends (introduction of BASEL III) and ensure that sufficient changes are made to ensure that they keep up with the pace of financial innovation. Est Ce Le Cerveau Qui Pense! Briefly discuss how the concepts of the my identity essay equity multiplier and the convexity of pay-off to holders of equity may be relevant to some current debates regarding the rewards structure in the financial sector. The reward structure in dissertation le cerveau qui pense, the financial sector has been affected in recent years by the changing banking/financial sector especially the excessive risks that the my identity summary banks are taking for more profit.
In this essay I will explore the concepts of the dissertation qui pense equity multiplier and descriptive, the convexity of payoffs and affects the dissertation est ce le cerveau reward structure of the financial sector. The high risk aspect of the banking sector could be described by the extremely high gearing banks engage in lending: typically over 95% of funds sourced from debt with less than 5% from equity; if we compare those figures with non-financial institutions with 70% equity funded. The asset management side is also full of risk, how do we screen for loan borrowers? If we increase r, then we get a large mix of high risk borrowers. Borrowers also have more information (private hidden actions/intentions) than the lenders, so there will be asymmetric information.
Adverse selection refers to problem where those most likely to be a credit risk are most eager to be selected for a loan; Moral hazard describes the problem where after a loan is essays mla, approved, the borrower has the incentive to engage in more risky activities which in turn increases the risk of dissertation est ce le cerveau qui pense, default. This can be solved by “Information-producing”, that is winning, filling forms that filters people with bad credit scores; or they can build long-term customer relationship that could be mutually beneficial, such that banks knows about the dissertation le cerveau customer and customer knows that the bank knows about their situation. This is known as the essays mla “know your customer” (KYC) procedure within financial institutions, which is carried out to allow better assessment of est ce le cerveau, level of risk taken. There are four main motives for essays fiction, banks to take on excessive risk: First, it is the dissertation le cerveau pressure on the bank’s profits. Banks used to circle intercultural be mainly asset management based, however since the phases of deregulation and innovation and the introduction of NBFIs into the competition drove down profits of the banks. Banks expanded the liabilities side of the balance sheets, and hedging management instruments replaced asset management, so in effective customers’ deposits form a quite small proportion of the liabilities. Assets were transformed from the short-term funds (deposits) to long term, less liquid, high yielding assets.
Risks involved changed from low to how. All of these are aimed to est ce increase the yield and to increase the returns on assets. Second, it is on the capital adequacy management and the equity management. There is a trade-off between safety and return on equity (low risk/high risk). The return on equity (ROE) is defined as the essays mla Net profits/Equity Capital. If the bank wants to increase their ROE, they have the incentive to reduce equity capital. Recall that Equity Multiplier = Assets/Equity. The increase in dissertation, ROE holding net profits constant will increase equity multiplier. We make an assumption that retained earnings are 0, which is the entire bank capital is equity capital.
Then: A low capital bank with E:A ratio of 4% will have an Equity multiplier (A/E) = (100/4) = 25 A high capital bank with E:A ratio of 10% will have an Equity multiplier of (100/10) = 10 This means, that as we increase the equity multiplier, we also decrease the equity asset ratio, which in turn increases risk of insolvency. A higher equity multiplier implies higher financial leverage, and this will mean the financial instate has to rely more on debts to finance its assets. The third motive involves the analysis of the book report questions convexity of returns to holders of dissertation le cerveau qui pense, equity ? = min (L, Y) is the payout to debt holders. The function is concave: line between any two points on the curve lies beneath it. The Chalk Intercultural Winning Essays! ? = max (0, Y- L) is the payoff to shareholders. The function is convex: line between any two points on the curve lies above it.
The idea is that risk transfers value from debt holders to equity holders and the bigger the dissertation spread, the bigger the transfer of value. This model of convexity represents the principle-agent problem, when the manager takes on essay excessive risk and could be beneficial to the shareholders, but due to limit liability, shareholder bares little to dissertation est ce qui pense no risk. The last motive is the reward structure in the financial sector. Managers typically take a performance bonus (e. g. The Chalk Circle Intercultural Prize Winning! 20%) of le cerveau, excess return on funds. This creates a rather large problem, managers can take on a huge ‘tail risk’ (or a huge bet) that is hidden from others, and also managers receives his reward/bonus long before the summary fund gets hit. This is est ce le cerveau, especially damaging not to one self but also the essays mla institution. Est Ce Le Cerveau Qui Pense! For example the rogue trader at Barings lost $1.
3billion speculating that brought down the bank that was founded over 2 centuries ago. Another rouge trader at essays fiction poetry Societe Generale lost 4. 9billion Euros, severely weakening the French bank; he claimed that his superiors knew of his trading activities and it was common practice to dissertation take huge gambles for large profits, this is especially worrying. Conclusively, all of the circle prize winning factors discussed above have driven the financial sector to take on qui pense larger risks that has rendered the essays mla banking system vulnerable to shocks and prone to insolvency, which is exactly what happened in the 2008 global financial crisis. Steps that can be taken to improve upon this include introducing a new rewards structure in le cerveau qui pense, the financial sector that ties management’s gains to the firm’s long-run performance to minimize risk-taking. Furthermore, new regulations requiring banks to hold a minimum amount of equity or any other “cushion” (higher Capital adequacy ratio) that will reduce the vulnerability of banks becoming insolvent can be implemented. All in all, the financial sector requires regulations that can minimize the trade-off between gaining revenue and maintaining a “safe” position in the economy.
Although many such actions have been taken in the chalk circle intercultural essays, the US after the qui pense 2008 crisis, it is still not enough to eliminate the for composition essays high debts that have plagued the country for le cerveau, the past few years.
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Dissertation Est Ce Le Cerveau Qui …
100 Academic Persuasive Research Topics. VirginiaLynne has been a University English instructor for over 20 years. She specializes in helping people write essays faster and easier. Le Cerveau Qui Pense. What is essays mla Academic Persuasive Writing? Your job is to dissertation le cerveau qui pense, make a claim and support it using facts, logic, and research. While you might use personal experience to argue Mandatory state testing is a bad idea, you will go beyond your own experience by using statistics, views of experts, and persuasive on standarized testing, other evidence. 100 Academic Persuasive Essay Topics. How to Choose a Topic.
Current Event Topic Generator. Steps in est ce qui pense, Writing a Persuasive Paper. Americans should pay more attention to the chalk prize essays, the way their clothes and shoes are made in order to le cerveau qui pense, help prevent child labor abuses. We can eliminate poverty if everyone takes steps to give more in essays mla, their local community. College students need to be activists in social justice issues like human trafficking. Racism is still an important part of the experience of many people in America in spite of laws and social action. Animal experimentation for any reason is wrong.
Boycotting a company is an effective way to qui pense, bring about change. Children should be supervised when using the Internet. Interracial marriages are more fulfilling because they require a greater commitment. Every couple ought to consider the possibility of adopting a child. Children of alcoholics are more prone to have problems with alcohol and drug abuse. Persuasive Writing Essay On Standarized Testing. Domestic violence is on the increase. Parents of gang members should be held responsible for the violence and property damage their children commit. Hunting is a great way for families to spend time in the outdoors, get to experience nature, and bond together.
Children of divorced parents should have the right to divorce their parents. Non-competitive athletic teams are better for children under 10. Injuries from organized athletic activities for children and teens are on the rise and will be a health care crisis in the future. Child abuse has become more of a problem as divorce increases in dissertation le cerveau qui pense, America. Reproductive technologies such as in-vitro transplants should be banned. The legacy of a parent's divorce lasts throughout a person's life. Descriptive. While the feminist movement certainly opened up the dissertation jobs and opportunities available to essay on standarized testing, women, it ultimately harmed women, children, and the family because it devalued motherhood. Women who find they are carrying Down's Syndrome children should be encouraged to give those children up for adoption rather than having an abortion.
Advocating birth control as part of sex education is wrong and should not be supported by the state. Educating Teen Drivers Better Can Prevent Accidents. Violence in the media is responsible for an increase in violence among young people. Movies today are better than they were in our parent's generation. Dissertation Est Ce Le Cerveau. Parents should not allow teens to be a part of social networking so that they do not experience or participate in cyber bullying.
The idea of censorship or regulation of advertising is impractical, un-American, and against free enterprise and capitalism. Parents should limit the exposure of their children to media. Violence in the media releases aggression and does not cause violence in persuasive writing essay, real life. Freedom of speech is something Americans need to support more strongly not only dissertation est ce qui pense here, but also around the world. Second Grade Report Questions. Urban Wilderness Spaces Can Save Species. Outsourcing to India is costing American's employment opportunities. Japanese car companies are no longer creating the le cerveau best cars in the world.
Cybercrime is on the increase and governments need to do more to prevent it. Population growth in the world is an essay overlooked issue which will become more important as global warming changes the food production around the world. Bioterrorism is still an important issue for all of us to be aware of when thinking about National Security and dissertation est ce le cerveau, global security. America should continue to support Israel, no matter what. Americans should not get involved in global conflicts which don't concern their own national interest. By opposing GMO (genetically modified organisms) crops, European nations are causing 3rd World people to starve or be malnourished. Descriptive On Favorite Food. Global Warming is real and we need to get prepared. Video games can help people solve real world problems.
Identity theft is a greater problem than you think. Private University Education is Worth the Cost. Online education is dissertation est ce qui pense just as good as learning in the classroom. College athletes, especially football players, are an economic asset to persuasive writing essay testing, Universities and should be paid accordingly. Est Ce. Sports are given too high a priority in American High Schools and this hurts the education of children. The increase in standardized testing in America has improved the educational achievements of graduates. Bilingual education is important and should be supported by essay summary educators, parents and the public. Creationism is believed by 75% of Americans and est ce qui pense, should be a part of book questions science education in schools. College students need to be on le cerveau, guard against piling up consumer debt.
American colleges should increase the number of students from foreign countries in descriptive essay on favorite food, order to help cover costs. Schools need to offer Mandarin as a foreign language because China is going to est ce le cerveau qui pense, be an increasingly important country. Literature Essays Poetry And Drama. The European educational system is superior to the American system. Since buying and eating local food saves energy and promotes the local economy, everyone should support the Local Food movement. Although vegetarianism is often mocked and misunderstood, college students should consider this lifestyle as a way to be ecologically thoughtful and physically healthy. Childhood obesity in America is reaching crisis proportions and parents, the media and school lunches are the cause. The food and drug administration budget should increase in le cerveau qui pense, order to make sure our food supply is safe. Second Grade Book Report. Families should store up 6 months of food in case of an dissertation economic collapse. Schools should teach more about nutrition and healthy diets. What is the perfect diet for health? Organic food is better and worth a higher price than non-organic produce and meat.
There is essays mla a national crisis of vitamin D deficiency. Everyone should take a multi-vitamin every day. Est Ce Qui Pense. The only healthy way to lose weight is to eat less and exercise. The best diet plan to lose weight is my identity essay summary _________. Food competition shows are causing the average cook to be more creative in the kitchen.
College students should take the time to est ce le cerveau qui pense, cook healthy foods. You can eat a good diet without learning how to cook. American politics is becoming too divisive. The American president is the most important world leader. Domestic terrorism is more of a problem than terrorism from people in other countries. Juvenile offenders who commit serious crimes should be tried as adults. Welfare reform failed to help people get back to work. All illegal immigrants who have a job should be given a work visa to stay legally in the United States as long as they do not commit a crime, remain employed and pay taxes. Churches do a better job of helping people overcome poverty than government agencies.
National laws should be made to prevent texting and calling from cell phones while driving. The Federal Budget Deficit needs to be reduced in order to save the United States from an economic disaster. Circle Intercultural Winning Essays. We should prohibit all off-shore drilling until oil companies can prove that drilling disasters won't happen again. Prisons should not be a place of punishment, but a place to rehabilitate people so that they can be productive members of society. Gun control is an important part of controlling violence in our society. Environmentalism and use of the land for farming and dissertation, logging can go hand in hand. Legalizing Marijana will decrease drug use, provide a new avenue for tax revenues and prevent crime.
Donald Trump's candidacy has changed American politics forever. Voters should have to show ID in order to vote. Essays Mla. Don't have an easy answer. Have two or more sides. Le Cerveau Qui Pense. Interest other people and involve them in your argument. Essays Mla. Are something you really care about. Can Room Color Alter Productivity? Mental disorders are often wrongly diagnosed and treated. Binge drinking on college campuses is a serious health issue that students can help control by using peer pressure to make it unacceptable. Drinking alcoholic beverages in moderation can be healthful and prevent Alzheimer's.
Shamefully, many children in poor nations die from dissertation est ce le cerveau qui pense, diseases which are easily preventable with inexpensive vaccines which are widespread in richer nations. Rather than allowing large malpractice suits against doctors, medical ethics boards should be set up which would evaluate all patient complaints. Every person should be tested for genetic disorders but this information should not be shared with insurance companies in order to prevent discrimination on policies. Genetic engineering of my identity summary humans is a good thing. Hospice care for the terminally ill is an underused resource.
More families could benefit from hospice care services for terminally ill loved ones if they knew more about these health services. All of the concern about obesity in the news has caused more problems with body image among teenage girls. Organ transplantation can make good out of tragedy, so everyone should sign up to le cerveau, be a donor, urge others to sign up, and be sure their family knows their wishes. We should not get complacent about watching out for global pandemics because a flu pandemic is coming, it is just a matter of book report time. As an English professor, I have taught persuasive writing to many college students. Although college students are often passionate in what they believe, they sometimes have a hard coming up with topics to le cerveau, write about. Intercultural Essays. An excellent persuasive essay idea for your paper: Doesn't have an est ce le cerveau easy answer. Has two or more sides.
Interests other people and persuasive on standarized testing, involves them in le cerveau, your argument. Is an essay topic you really care about. Is an essay topic you can research. Since academic persuasive essays require you to research, you don't have to start your essay knowing what your position is on the topic. You may not even know much about the topic before you start gathering information for your argumentative essay.
To find a good topic, I often have my students write a list of things that they are interested in knowing more about, or which they believe in. Prize Winning. To broaden their thinking, I find it helps to look at a list of qui pense argumentative topics like the one in the table below. Second Report Questions. What type of persuasive topic is most interesting to you? Argument Essay Topic: What Makes Music Beautiful? 1. Gather some information about your topic by writing down everything you know, checking out some information on dissertation qui pense, Google, or looking at the chalk circle intercultural prize winning TED lectures by experts on new technologies and science like the qui pense ones in the videos I include on this blog. Use what you read to help you create some search terms, and to essay summary, help you decide on your own position. 2. Write down different positions people argue on dissertation, this topic.
Academic persuasive essays usually make one of five types of for composition fiction poetry and drama claims: Claims of dissertation qui pense Value: What is really important? What should we protect or value most? Claims of persuasive writing essay Fact: What really did happen? How should we think about this issue? Claims of Definition: What is the actual meaning of a word, an event, or an idea? What really is the problem? Claims of Policy: What should be done about this problem? Claims of Cause or Effect: What is the reason for this problem? What is the cause?
What is the dissertation qui pense effect? 3. Use the questions above to intercultural winning essays, write as many Claim questions for your issue as you can. Most issues can have essays on all of the above questions. 4. Write your Claim Question. Decide which of the questions you are most interested in writing about. Write it down. The question may be a part of your introduction, or it can make a great title. 5. Write down your own answer to the question. This is your thesis. 6. Write down the reasons you believe this answer. Le Cerveau Qui Pense. These will be your topic ideas for the body of your paper.
Turn these into the chalk intercultural winning essays, sentences and you will have your topic sentences done. 7. Write down what other answers people have to this question . This will help you refine the persuasive essay claim you want to make, and prepare you for adjusting your claim answer. You may want to dissertation est ce, qualify your answer by saying If this. then. Or you might want to narrow the literature for composition fiction poetry claim to dissertation le cerveau, a certain group, or a certain time period. You can also use these opposing views in the body of your paper by bringing them up and then refuting them and summary, saying why your ideas are better. 8. Make a list of search terms. Looking at what you've written so far, make a list of terms you can look up to try to get articles for your paper. 9. Do research in your library or on Google Scholar.
As you read each article, underline parts that give you ideas you can use to support different parts of your paper. 100 Technology Topics for Research Papers. by Virginia Kearney 42. by Virginia Kearney 8. by qui pense Virginia Kearney 1. 100 Cause and the chalk circle intercultural winning essays, Effect Essay Topics. by dissertation le cerveau qui pense Virginia Kearney 37. 100 Current Events Research Paper Topics with Research Links. by Virginia Kearney 16. How to Write a Reflective Essay with Sample Essays. by Virginia Kearney 21. 100 Science Topics for Research Papers. by Virginia Kearney 109.
Umar Razi 4 years ago from Lahore. It is pretty good. I admire the way you write. Literature For Composition Essays Fiction Poetry. You have good expressions. Joffre Meyer 4 years ago from est ce, Tyler, TX. I'm going to re-read this hub--awesome, as I clicked previously!
I taught Developmental English for ten years and wrote a textbook for my class, so you know I had to have a Persuasive Chapter. Twitter @bohemiotx. The best part of essays mla this hub, in my opinion, is dissertation seeing the different types of persuasive essays that are possible. Essays Mla. I probably have written each type before, but have not labeled them as such. It might help to know the exact type of persuasive essay I am writing in order to deliver my message better. Copyright 2017 HubPages Inc. and respective owners. Est Ce Le Cerveau Qui Pense. Other product and company names shown may be trademarks of their respective owners.
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Dissertation Est Ce Le Cerveau Qui …
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Articles/2013/Volume 6/Employment Dismissal Procedures and Laws in the United Kingdom and Malaysia -- A Legal Analysis  6 MLJ xxi Articles 2013 EMPLOYMENT DISMISSAL PROCEDURES AND LAWS IN THE UNITED KINGDOM AND MALAYSIA -- A LEGAL ANALYSIS GURU DHILLON1 Purpose -- The purpose of this paper. Introduction Of Printing Presses And Publications Act 1984 In Malaysia. ?Introduction of Printing Presses and descriptive food, Publications Act 1984 (PPPA) in Malaysia PPPA first introduced by the British colonial government as the Printing Ordinance of 1948 at the beginning of the state of emergency, in order to counteract Communist activities that are seen as a threat to the establishment. Critical analysis of Malaysian airlines. Airlines Criticial Analysis- Malaysian Airlines 1.Introduction The essay is about critical analysis ofthe project business case, related to le cerveau the financial crisis of Malaysian Airline System. The Malaysia Airline System reported a loss of $1.3 billion over the past three years before 2014. October 12, 2013 Essay 2, Draft 1 Persuasive Essay While there are many debatable topics in circle essays, the arena of public education, one of the dissertation est ce longest held and most ferociously argued topics revolves around the implementation of persuasive essay on standarized testing sex education to our children.
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Branding satisfaction in qui pense, the airline industry: A comparative study of Malaysia Airlines and Air Asia. Branding satisfaction in the airline industry: A comparative study of Malaysia Airlines and Air Asia Kee Mun, Wong* and Ghazali, Musa Faculty of Business and Accountancy, University of literature essays poetry Malaya, 50603 Kuala Lumpur, Malaysia . Accepted 23 March, 2011 Brand is crucial in differentiating the superiority. would like to suggest this question- do we accept corruption as a custom or there is est ce le cerveau qui pense, a way forward for the country after our independence? In this essay , I will mainly focus on intercultural winning essays a way forward to save our country from corruption for better future of our children and grandchildren. Corruption as it appears. Carlsberg vs GAB Malaysia Report of Findings from the Analysis The Financial Ratios for Carlsberg Brewery Malaysia Berhad and Guinness Anchor Berhad: To have a clearer view, please refer to the appendix 1 or the special handout for the calculations, formula and the graphs of est ce all the ratios. Greece.
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On the other hand, development is a complex issue with many different and sometimes contentious definitions. A basic perspective equates development with economic growth. Development is second book report, a dynamic concept. Carnegie-Mellon, Current affairs: Middle East debate A Greek philosopher once said, In argument, truth is born. Even though sometimes feelings and emotions come into play that confuse the issue at hand, usually an dissertation est ce le cerveau, argument results in my identity essay summary, a new insight on the subject.
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It consists of a federation of 13 states and 3 federal territories. The 3 federal territories are Kuala Lumpur, Labuan and Putrajaya and the 13 states are Johor, Kedah, Kelantan, Malacca, Negeri Sembilan. the Prime Minister of Malaysia for one term, what would be a great achievement to leave behind? Candidate A Task A: A great achievement would be to writing essay on standarized testing bring about economic prosperity for le cerveau qui pense Malaysia . Elaborate. . Candidate B Task A: A great achievement would be to essays mla bring about excellence in sports. com/world/population_growth_rate.html 1.1 Problems and issues pollution is causing to our environment and our planet. When people talk about pollution, the first thing that pop into dissertation est ce le cerveau, our minds is air pollution. Air pollution is basically the essays mla contamination of many gases in the air.
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