CAPt. Print e-procurement: Changing the Face of the Printing Industry CAP VENTURES. Market Forecast for Web-Based Print e-procurement
|
|
- Rosa Booker
- 8 years ago
- Views:
Transcription
1 Prin e-procuremen: Changing he Face of he Prining Indusry Marke Forecas for Web-Based Prin e-procuremen Buyers Crieria for Web Procuremen Opporuniies and Advanages for Prin Service Providers Profiles of Key Prin e-procuremen Players and Their Offerings Sraegic Recommendaions for Marke Enry CAP CAP VENTURES
2 INTRODUCTION CAP Venures sized he overall U.S. prining and publishing marke in 1998 a $291.8 billion. Wih housands of suppliers serving hundreds of housands of buyers, his large, fragmened marke is now facing a idal wave of change driven by he growh of he Web and new e-business supplyside and demand-side ools, services and markes. CAP Venures has COMPANIES CAN SPEND MORE THAN 50% OF THEIR REVENUES PURCHASING GOODS AND SERVICES. A REDUCTION IN TOTAL PURCHASE COSTS HAS A DIRECT IMPACT ON INCREASED PROFITABILITY. BECOMING AN E-BUSINESS ALLOWS COMPANIES TO COMMUNICATE IN REAL TIME ACROSS THE SUPPLY CHAIN FOR BETTER UTILIZATION OF RESOURCES. THE GOAL IS TO END THE ERA OF DISCONNECTED SUPPLIERS WITH BIG BUFFERS OF INVENTORY. RAY LANE, PRESIDENT/COO, ORACLE couned nearly 70 new prin or prin-relaed do-com players, and new venures seem o pop up almos daily. Add o his he e-commerce iniiaives underway by he indusry s larger players, and prin e-procuremen, or he procuremen and/or managemen of prining services over he Web, is unquesionably one of he hoes areas of our indusry oday. The prining indusry has long been plagued by inefficiencies ha are he resul of a maure indusry wih well-esablished analog sysems in place being assauled by a wide range of digial innovaions over he las en years. The indusry has sruggled o improve efficiencies by adding various digial pieces o he process, bu in mos cases, he impac has been limied, wih a focus more on manufacuring han complee process reengineering. Wih he emergence of he Web and innovaive e-business soluions, prin supply chain managemen is on he cusp of dramaic improvemens ha are revoluionizing he prin service provider s relaionships wih cusomers, suppliers and inernal managemen sysems. Prin service providers can play a key role in helping cusomers achieve corporae goals by geing conneced, boh from he perspecive of reducing cusomers overall procuremen coss and cycle imes, as well as helping hem manage jus-in-ime invenories. E-Business soluions foser collaboraion and bring all paries involved in a projec ogeher, enabling more effecive communicaions Prin service providers can benefi from reduced inernal coss. More informaion and daa can be provided by cusomers, cusomer service coss can be reduced and overall process auomaion can reduce inernal processing coss and speed jobs ino producion. Addiionally, building hese ypes of relaionships helps build predicable, recurring revenue sreams and lessens dependence on random arrival of work. Finally, implemenaion of e-business soluions for exising cusomers makes i easier o acquire and service new cusomers, even hose in new verical markes and geographies. THE PRINTING INDUSTRY IS LAGGING... Wheher or no he majoriy of prin service providers are implemening e-business soluions, heir cusomers cerainly are. A recen e-business benchmarking sudy conduced by AnswerThink Consuling Group indicaed ha he ypical company who paricipaed in he sudy expecs is procuremen funcion o receive he greaes amoun of e-business invesmen relaive o oher knowledge worker funcions, increasing wenyfold on average over he nex wo years. Prin procuremen will cerainly no be immune o his rend, nor will i be limied o large companies. According o PSI Global, 89% of middle-marke companies (companies wih revenues from $10 million o $250 million) used he Inerne o buy, sell and bank in he las 12 monhs, and one in four makes online purchases. Fuhermore, he Naional Associaion of Purchasing Managers survey of purchasing professionals conduced in April 1999 revealed ha 59% of purchasing professionals were eiher now purchasing on he Web or would be wihin one year. However, a recen Trendwach sudy indicaes ha only 40% of graphic ars shops have FTP sies where cusomers can download or upload work files, only 30% use for proofs, and merely 5% allow cusomers o rack heir jobs via he Inerne. E-COMMERCE OPPORTUNITIES The pas few years have illusraed how quickly business models can change as he explosive mixure of enrepreneurs, capial, and echnology are applied o radiional markes and work processes. Wihin he prining indusry, a variey of new models and numerous echnology and service providers have appeared. However, only a few e-business models will produce lasing success. The ready availabiliy of capial for Inerne venures ensures ha many varied models will appear and even seem viable in he shor erm. These will, a leas for a while, diver business from esablished channels.
3 Bu longer erm, a few will emerge as winners while many fail. Along he way, how companies buy and sell prining and relaed services will forever change. To succeed, vendors of prining and relaed services mus undersand he immediae and long-erm impacs of he Inerne on heir businesses, and mus develop acical and sraegic plans o address hese challenges and opporuniies. They mus also keep a close eye on he compeiive landscape, shifing business sraegies on a more frequen basis o comba new challengers and keep heir offerings fresh. CAP Venures is conducing a deailed analysis of he rapidly changing prin e-procuremen markeplace o provide prin service providers and heir cusomers wih he informaion and insighs needed o develop boh shor- and long-range plans for success. WHO SHOULD SUBSCRIBE Prin service providers Do-com sar-ups in he prin e-procuremen arena Corporae prin procuremen organizaions Vendors of supply chain managemen soluions Invesors As a resul of paricipaing in his muli-clien sudy, companies of all ypes seeking o undersand his dynamic marke and/or drive demand for e-business soluions will be able o arm hemselves wih he mos up-o-dae marke inelligence on prin e-procuremen. PROJECT OBJECTIVES Over he nex welve o hiry-six monhs, execuives in he prining indusry and prin procuremen professionals will have o make many acical and sraegic decisions regarding e-commerce. The overall objecive of his sudy is o provide you wih he analysis and recommendaions necessary o formulae your prin e-commerce sraegy: Idenifying how, where, and when e-commerce will impac he prining indusry. Assessing how he emergence of prin e-procuremen soluions is changing in erms of: Produc caegory (e.g., general commercial, forms, ec.) Marke segmen (i.e. end cusomers) Channel Marke impac Financial impac for boh buyers and sellers This sudy will examine he curren sae of e-commerce in he prining indusry, including a qualiificaion of he curren ime and coss associaed wih prin procuremen and managemen, projec likely fuure developmens, and provide acionable recommendaions for boh service providers and heir cusomers. ASSESS THE CURRENT STATE Idenify curren praciioners of prin e-procuremen and define he various business models. Tradiional suppliers face he burden of running parallel sysems when implemening Inerne-based soluions; how does his affec heir cos srucures vis-à-vis Inerne-only sar-ups? Wha sales volumes are being achieved oday via Web-based soluions? Wha share of he oal prin procuremen and relaed services is done via he Web? Is he sie open-access, for cusomers only, or boh? Does he company mainain cusom sies for large accouns? How is he ordering process managed? Wha changes in he producion process? How is he fulfillmen being handled? Wha are he unique value proposiions of he various players? Wha are he operaing cos implicaions o boh buyers and sellers when prin e-procuremen soluions are implemened?
4 BUYERS Who are he arge cusomers: large corporae, middle-marke corporae, SOHO? Wha role do ad agencies, prin brokers and oher hird paries play in he adopion of prin e-procuremen sraegies? Wha ypes of prin and prin-relaed services do hese cusomers purchase via he Web? Wha oher producs or services do cusomers purchase via he Web? Wha is he oal volume of Web-based prin procuremen by segmen? Wha share of cusomers oal prining purchases does his Inerne volume represen? Do cusomers expec his volume / share o grow? If so, why and how rapidly? If no, why no? Wha will be he impac on prin volume of elecronic delivery alernaives and why? Why have cusomers chosen or NOT chosen o use he Web for hese purchases? Which Web-based vendor or vendors of prin and prin-relaed services are cusomers using? Wha are heir selecion crieria? Is use of he Web for hese purchases meeing cusomers goals and needs? Are here feaures and services currenly no available ha would make Web-based procuremen and managemen of prin more effecive? Wha problems have cusomers encounered? Have hey been resolved? If no, why? Wha are he quaniaive and qualiaive benefis resuling from he implemenaion of Web-based procuremen and managemen of prin? How do hese soluions impac he life cycle coss of prined maerials? Wha advice would cusomers offer o Web-based supplies vendors? To oher cusomers? PRINT E-PROCUREMENT SERVICE PROVIDERS The sudy will profile key prin e-procuremen service providers and business models. Wha ypes of prining services are being sold via he Web? Wha oher producs and services, if any, are offered on he sie? Wha are he key differeniaors of each offering? How are acual prined producs produced; by owned resources; hrough parnerships and alliances? How rapidly are cusomers moving o media-independen publishing and wha service provider offerings are in place or planned o mee hese changing needs? TRADITIONAL PRINT SERVICE PROVIDERS The sudy will include boh elephone and in-deph surveys of radiional prin service providers o deermine he rae a which e-business soluions are being adoped. Case sudies of key adopers will provide insigh ino he boh decision process and he benefis of he adopion of e-business sraegies and soluions for service providers. Wha is he awareness among radiional prin service providers relaive o prin e-procuremen services? Wha is he level of recepiviy in he indusry o employing e-business soluions? Wha service or services are being employed? How were build/buy decisions made? Wha has been he impac on cusomer acquisiion and reenion, as well as share of cusomer as a resul of he adopion of e-business soluions? Are here cusomers who prefer no o paricipae in Web-based prin procuremen and managemen; and if so, why? Wha has been he impac on he sales force and cusomer suppor organizaion? Wha has been he impac on producion? Have rework coss been reduced? Has process auomaing enabled faser delivery of jobs? Wha changes, if any, have e-business soluions caused in he overall cos srucure of doing business? MARKET SIZE AND FORECAST The sudy will furher quanify and forecas he reail value of prin procured over he Inerne, as well as services revenue achieved by prin e-procuremen providers hrough he Year FUTURE DEVELOPMENTS The sudy will provide qualiaive projecions of prin e-procuremen business pracices and how hey will impac he overall prining indusry. The pace of change on he Inerne is such ha sies mus be subsanially modified if no re-invened every six o welve monhs. Will his pace coninue, and are service providers allowing sufficienly for his ongoing expense in heir cos analyses? Wha are he projeced growh raes? Wha fuure changes or enhancemens do service providers anicipae making?
5 1. Deermine he marke size and growh rae for key prin e-procuremen iniiaives represening various business models. Markes Large corporaions Medium-sized corporaions SOHO 2. Idenify and quanify he benefis of elecronic commerce hroughou he supply chain (manufacurers, disribuors, cusomers, oher hird pary paricipans). Cos savings Revenue generaion Marke share gain or reenion Convenience Choice Speed Service Conrol Ease of collaboraion 3. Idenify and undersand he curren sae and evoluion of prin e-procuremen business models Web-based shopping sies Web-based aucion and collecive-buying sies On-line prin brokers or projec managers offering a range of services bu performing lile, if any, prin manufacuring hemselves Services offering branded e-business sies for he prin service provider, including e-commerce capabiliy and a range of oher services E-Commerce soluions argeed a he prin buyer, designed o sreamline he prin buying process, someimes called buy-side procuremen Sysems developed inernally by radiional prin service providers, designed o provide a se of services o he company s exising cusomer base New players leveraging an exising cusomer base o include prining and documen services Oher 4. Deermine cusomer requiremens and behavior relaive o prin e-procuremen by marke segmen (corporae, medium, SOHO). Types of projecs and producs ordered via he Web, as well as wha is NOT ordered via he Web Range of services defining he ideal prin e-procuremen vendor Tracking and job saus requiremens Delivery requiremens Purchasing frequency Order size Billing and paymen Global pricing and conracs Cusomer suppor Cusomized ordering Price sensiiviy? 5. Idenify and profile key vendors providing prin e-procuremen services oday, including curren business models and fuure sraegies. 6. Deermine he near-erm and sraegic criical success facors for e-commerce in he prining indusry: Size and specializaion Pricing Margins Service and suppor Fulfillmen Markeing Conracing Parners
6 THE MARKET RESEARCH Marke research develops he daa and insighs ha will allow us o presen a coheren picure of he impac of he Web on prin procuremen, and how his business is likely o develop in he fuure. DESK RESEARCH There is a large and rapidly growing volume of aricles, repors and whie papers on he Web. Alhough much of his maerial is oo general o be of use in a focused sudy such as his one, i is useful for seing he sage for idenifying key players. Therefore, he research process will include scruiny of he relevan rade press and governmen repors and daa. Exising CAP Venures daa and repors will be of more immediae and pracical value, and will be used o size and forecas he oal prining marke. These maerials will also be used o compare he expense of handling prin orders via radiional channels (elephone, inperson visi by prin sales rep, use of radiional prin brokers, ec.) versus Web-based offerings. Coss for boh he service provider and cusomer will be explored. In shor, he projec eam will review published informaion o develop a foundaion on curren marke size, key indusry segmens, and overall indusry growh rends. Previous CAP Venures research in he Norh American marke will help idenify poenial applicaions, barriers and enablers o marke developmen, and success facors employed by leading users. PRIMARY RESEARCH PROFILES OF EXISTING PRINT E-PROCUREMENT PROVIDERS A key elemen of he research will be idenifying and profiling leading/innovaive companies ha are currenly engaged in prin e- procuremen aciviies. This lis will include radiional prining operaions ha have also esablished Web-based offerings as well as newer players ha are specializing in Web-based offerings of prin and relaed services. Deailed descripions of how hese companies are using he Web will be provided, based on visis o heir Web sies, secondary research, and elephone inerviews wih appropriae individuals a hese companies. INTERVIEWS WITH USERS AND POTENTIAL USERS OF PRINT E-PROCUREMENT SOLUTIONS The sudy will incorporae inerviews wih users of prin e-procuremen sysems in he corporae, SOHO and prin service provider marke segmens: 15 o 20 in-deph inerviews wih buyers of prin currenly uilizing prin e-procuremen soluions. These inerviews will provide insighs on he driving facors for uilizing he Web, he expeced and acual benefis, and he unme needs based on companies wih experience using prin e-procuremen soluions. 450 srucured elephone inerviews wih key marke segmens: 150 Corporae buyers of prin 50 SOHO buyers of prin 50 Adverising/Design buyers of prin 200 Prin Service Providers represening various prining specialies The purpose of he inerviews will be o undersand he curren sae of prin procuremen and facors driving adopion of new e-business models, including: Awareness of e-procuremen ools and services Level of aciviy relaed o he prin procuremen process: Number of jobs Frequency of orders Number of people involved in he process Time spen on key producion processes Number of suppliers used and decision process relaive o supplier selecion Coss associaed wih prin procuremen and managemen Cos savings experienced as a resul of prin e-procuremen implemenaion Percepion of alernaive buying models available in he markeplace
7 ANALYSIS AND PROJECT DELIVERABLES CAP Venures will perform exensive analysis of he desk research, in-deph inerviews and srucured elephone inerviews in order o develop a comprehensive undersanding of he opporuniies and issues surrounding prin e-procuremen iniiaives and he dynamics of his developing marke. Cliens will receive a combinaion of repors, presenaion maerial, and acual daa for use by senior managemen, produc managers and planners, and sales and markeing execuives and managers. This maerial will include: Execuive summary ha addresses key issues and presens findings and salien recommendaions Deailed wrien repor wih ex, chars, ables and graphs presening he findings of he research A se of presenaion-syle overheads o assis subscribers wih heir inernal communicaion of he objecives, findings and recommendaions A daa book conaining he deail generaed by he srucured elephone inerviews for use by he subscribers in furher analysis and segmenaion PDF versions of deliverables SCHEDULE CAP Venures expecs o begin work on his projec in March Based on he schedule below, he finished repor will be compleed and he maerials disribued o subscribers during he early hird quarer of Aciviy Week Begun / Compleed Desk research 1 / 4 Profile exising Inerne-based vendors 2 / 4 and heir programs In-deph inerviews wih large corporae cusomers and prin service providers 5 / 7 Srucured elephone inerviews wih 7 / 10 large/medium corporae and SOHO cusomers Analysis 11 / 13 Repor preparaion 13 / 15 Repor delivery 16
8 PROJECT FEES The fee for cliens who sign up on or before March 22, 2000, is $11,995. For hose who sign up afer March 22, 2000, he fee is $13,995. A personal presenaion is available for an addiional fee of $2,500 plus ravel expenses. Addiional hard copies of he final repor are available o subscribers for $250. TERMS AND CONDITIONS LIABILITY FOR ADVICE Alhough reasonable effors will be made by CAP Venures o ensure he compleeness and accuracy of he informaion conained in wrien and oral repors in connecion wih he proposed sudy, no liabiliy can be acceped by CAP Venures for he resuls of any acions aken by he Clien in connecion wih such informaion, opinions or advice. COPYRIGHTS All Copyrighs are reained by CAP Venures. Reproducion of any maerial can be made only wih he wrien auhoriy of CAP Venures. CONFIDENTIALITY CAP Venures will use is bes effors o ensure ha any confidenial informaion obained abou he Clien and is business during he course of he proposed sudy is no, unless agreed oherwise in advance, disclosed o any hird pary wihou he prior wrien permission of he Clien. CAP Venures reains he righ o re-use any non-proprieary informaion as par of our on-going analysis of he office auomaion and prining and publishing indusry. TIMELY DELIVERY CAP Venures will ake all reasonable seps o ensure ha he ime scales called for by he proposed sudy are me in accordance wih he agreed schedule, bu no liabiliy can be acceped for he consequences of delays, howsoever caused. VALIDITY OF QUOTATION Proposals and quoaions o Cliens are valid only for 30 days from he dae on he proposal, unless oherwise specified in he proposal documen. TERMS One half of fee upon iniaion and final half upon repor delivery AUTHORIZATION Clien Address & Conac Conac Name Billing Address & Conac (if differen) Accouns Payable Conac Company Name Company Name Sree Address Sree Address Ciy, Sae, Zip Ciy, Sae, Zip Conac Phone Number:Company Main Phone Number Signaure Dae Tile address Fax Number CAP Venures. 600 Cordwainer Drive. Norwell, MA Phone: Fax:
Building an E- Commerce Strategy for the Office Equipment and Printer Marketplace. CAPt CAP VENTURES
Building an E- Commerce Sraegy for he Office Equipmen and Priner Markeplace The Inerne is creaing a revoluion in he disribuion of office equipmen. New conceps and business models abound, and i seems cerain
More informationPerformance Center Overview. Performance Center Overview 1
Performance Cener Overview Performance Cener Overview 1 ODJFS Performance Cener ce Cener New Performance Cener Model Performance Cener Projec Meeings Performance Cener Execuive Meeings Performance Cener
More informationInformation Systems for Business Integration: ERP Systems
Informaion Sysems for Business Inegraion: ERP Sysems (December 3, 2012) BUS3500 - Abdou Illia, Fall 2012 1 LEARNING GOALS Explain he difference beween horizonal and verical business inegraion. Describe
More informationThe Grantor Retained Annuity Trust (GRAT)
WEALTH ADVISORY Esae Planning Sraegies for closely-held, family businesses The Granor Reained Annuiy Trus (GRAT) An efficien wealh ransfer sraegy, paricularly in a low ineres rae environmen Family business
More informationChapter 1.6 Financial Management
Chaper 1.6 Financial Managemen Par I: Objecive ype quesions and answers 1. Simple pay back period is equal o: a) Raio of Firs cos/ne yearly savings b) Raio of Annual gross cash flow/capial cos n c) = (1
More informationPolicyCore. Putting Innovation and Customer Service at the Core of Your Policy Administration and Underwriting
PolicyCore Puing Innovaion and Cusomer Service a he Core of Your Policy Adminisraion and Underwriing As new echnologies emerge and cusomer expecaions escalae, P&C insurers are seeing opporuniies o grow
More informationChapter 6: Business Valuation (Income Approach)
Chaper 6: Business Valuaion (Income Approach) Cash flow deerminaion is one of he mos criical elemens o a business valuaion. Everyhing may be secondary. If cash flow is high, hen he value is high; if he
More informationAppendix D Flexibility Factor/Margin of Choice Desktop Research
Appendix D Flexibiliy Facor/Margin of Choice Deskop Research Cheshire Eas Council Cheshire Eas Employmen Land Review Conens D1 Flexibiliy Facor/Margin of Choice Deskop Research 2 Final Ocober 2012 \\GLOBAL.ARUP.COM\EUROPE\MANCHESTER\JOBS\200000\223489-00\4
More informationMorningstar Investor Return
Morningsar Invesor Reurn Morningsar Mehodology Paper Augus 31, 2010 2010 Morningsar, Inc. All righs reserved. The informaion in his documen is he propery of Morningsar, Inc. Reproducion or ranscripion
More informationMarket Liquidity and the Impacts of the Computerized Trading System: Evidence from the Stock Exchange of Thailand
36 Invesmen Managemen and Financial Innovaions, 4/4 Marke Liquidiy and he Impacs of he Compuerized Trading Sysem: Evidence from he Sock Exchange of Thailand Sorasar Sukcharoensin 1, Pariyada Srisopisawa,
More informationCourse Outline. Course Coordinator: Dr. Tanu Sharma Assistant Professor Dept. of humanities and Social Sciences Email:tanu.sharma@juit.ac.
Course Name : HUMAN RESOURCE MANAGEMENT Course Code: 10B1WPD75 Course Credi: (-0-0) Semeser: VII Course Type: Elecive (All B. Tech. sudens) Deparmen: Humaniies and Social Sciences Course Coordinaor: Dr.
More informationGoRA. For more information on genetics and on Rheumatoid Arthritis: Genetics of Rheumatoid Arthritis. Published work referred to in the results:
For more informaion on geneics and on Rheumaoid Arhriis: Published work referred o in he resuls: The geneics revoluion and he assaul on rheumaoid arhriis. A review by Michael Seldin, Crisopher Amos, Ryk
More informationImpact of scripless trading on business practices of Sub-brokers.
Impac of scripless rading on business pracices of Sub-brokers. For furher deails, please conac: Mr. T. Koshy Vice Presiden Naional Securiies Deposiory Ld. Tradeworld, 5 h Floor, Kamala Mills Compound,
More informationMEDIA KIT NEW YORK CITY BAR
MEDIA KIT NEW YORK CITY BAR The New York Ciy Bar is he premier professional membership associaion for lawyers in he greaer New York Meropolian area. Wih over 24,000 aorney and law suden members, we represen
More informationThe Complete VoIP Telecom Service Provider The Evolution of a SIP Trunking Provider
The Complee VoIP Telecom Service Provider The Evoluion of a SIP Trunking Provider By: Sean Rivers Direcor of Technology parner Assurance 1 Agenda Who is Bandwidh.com Today Before VoIP The Addiion of VoIP
More informationSoftware Project Management tools: A Comparative Analysis
Sofware Projec Managemen ools: A Comparaive Analysis Mrs. Sonali Nemade Pad.Dr.D.Y.Pail A.C.S. College, Pimpri (India) sonali_namade@yahoo.co.in Mrs. Madhuri.A. Darekar Pad.Dr.D.Y.Pail A.C.S. College,
More informationVendorVision TM Worksheet The Insider s Guide to Negotiating Software Deals
VendorVision TM Workshee The Insider s Guide o Negoiaing Sofware Deals Miigo Parners, Inc. San Diego (760) 431-5304 Miigo Parners, Inc. VendorVision TM Workshee www.miigo.com VendorVision TM Workshee The
More informationDistributing Human Resources among Software Development Projects 1
Disribuing Human Resources among Sofware Developmen Proecs Macario Polo, María Dolores Maeos, Mario Piaini and rancisco Ruiz Summary This paper presens a mehod for esimaing he disribuion of human resources
More informationGUIDE GOVERNING SMI RISK CONTROL INDICES
GUIDE GOVERNING SMI RISK CONTROL IND ICES SIX Swiss Exchange Ld 04/2012 i C O N T E N T S 1. Index srucure... 1 1.1 Concep... 1 1.2 General principles... 1 1.3 Index Commission... 1 1.4 Review of index
More informationCAREER MAP HOME HEALTH AIDE
CAREER MAP HOME HEALTH AIDE CAREER MAP HOME HEALTH AIDE Home healh aides are one of he fases growing jobs in New York Ciy. Wih more educaion, home healh aides can move ino many oher ypes of jobs in healh
More informationOne dictionary: Native language - English/English - native language or English - English
Faculy of Social Sciences School of Business Corporae Finance Examinaion December 03 English Dae: Monday 09 December, 03 Time: 4 hours/ 9:00-3:00 Toal number of pages including he cover page: 5 Toal number
More informationUSE OF EDUCATION TECHNOLOGY IN ENGLISH CLASSES
USE OF EDUCATION TECHNOLOGY IN ENGLISH CLASSES Mehme Nuri GÖMLEKSİZ Absrac Using educaion echnology in classes helps eachers realize a beer and more effecive learning. In his sudy 150 English eachers were
More informationPROFIT TEST MODELLING IN LIFE ASSURANCE USING SPREADSHEETS PART ONE
Profi Tes Modelling in Life Assurance Using Spreadshees PROFIT TEST MODELLING IN LIFE ASSURANCE USING SPREADSHEETS PART ONE Erik Alm Peer Millingon 2004 Profi Tes Modelling in Life Assurance Using Spreadshees
More informationLEASING VERSUSBUYING
LEASNG VERSUSBUYNG Conribued by James D. Blum and LeRoy D. Brooks Assisan Professors of Business Adminisraion Deparmen of Business Adminisraion Universiy of Delaware Newark, Delaware The auhors discuss
More informationNYWEA Asset Management Task Force White Paper
The New York Waer Environmen Associaion, Inc. The Waer Qualiy Professionals 525 Plum Sree Suie 102 Syracuse, New York 13204 (315) 422-7811 Fax: 422-3851 www.nywea.org e-mail: pcr@nywea.org NYWEA Asse Task
More informationDouble Entry System of Accounting
CHAPTER 2 Double Enry Sysem of Accouning Sysem of Accouning \ The following are he main sysem of accouning for recording he business ransacions: (a) Cash Sysem of Accouning. (b) Mercanile or Accrual Sysem
More informationClaimCore. Putting Customers at the Core of Your Claims Processes. Integrated Customer Database. R es y me. Ad j u d ic ati o n
ClaimCore for Benefis Overview Feaures & Benefis The Core Suie Technology Services/Educaion Conac Us ClaimCore Puing Cusomers a he Core of Your Claims Processes Handle growh wih a rules-based, cusomer-focused
More informationAdvise on the development of a Learning Technologies Strategy at the Leopold-Franzens-Universität Innsbruck
Advise on he developmen of a Learning Technologies Sraegy a he Leopold-Franzens-Universiä Innsbruck Prof. Dr. Rob Koper Open Universiy of he Neherlands Educaional Technology Experise Cener Conex - Period
More informationContrarian insider trading and earnings management around seasoned equity offerings; SEOs
Journal of Finance and Accounancy Conrarian insider rading and earnings managemen around seasoned equiy offerings; SEOs ABSTRACT Lorea Baryeh Towson Universiy This sudy aemps o resolve he differences in
More informationLEVENTE SZÁSZ An MRP-based integer programming model for capacity planning...3
LEVENTE SZÁSZ An MRP-based ineger programming model for capaciy planning...3 MELINDA ANTAL Reurn o schooling in Hungary before and afer he ransiion years...23 LEHEL GYÖRFY ANNAMÁRIA BENYOVSZKI ÁGNES NAGY
More informationMarkit Excess Return Credit Indices Guide for price based indices
Marki Excess Reurn Credi Indices Guide for price based indices Sepember 2011 Marki Excess Reurn Credi Indices Guide for price based indices Conens Inroducion...3 Index Calculaion Mehodology...4 Semi-annual
More informationStochastic Volatility Option Pricing ASAP
Cambridge-Kaiserslauern, Financial Mahemaics Workshop 2009 Fraunhofer ITWM, Kaiserslauern 05.05.2009 Sochasic Volailiy Opion Pricing ASAP Dr. Ulrich Nögel, Parner u.noegel@devne.de Disincive Financial
More informationChapter 8: Regression with Lagged Explanatory Variables
Chaper 8: Regression wih Lagged Explanaory Variables Time series daa: Y for =1,..,T End goal: Regression model relaing a dependen variable o explanaory variables. Wih ime series new issues arise: 1. One
More informationDuration and Convexity ( ) 20 = Bond B has a maturity of 5 years and also has a required rate of return of 10%. Its price is $613.
Graduae School of Business Adminisraion Universiy of Virginia UVA-F-38 Duraion and Convexiy he price of a bond is a funcion of he promised paymens and he marke required rae of reurn. Since he promised
More informationThe Complete VoIP Telecom Service Provider
The Complee VoIP Telecom Service Provider 1 Overview Company Overview SIP Trunking Produc Overview Technical Specificaions Pricing Why SIP Trunking? Benefis over radiional elecom Ideal cusomer 2 Company
More informationThe Application of Multi Shifts and Break Windows in Employees Scheduling
The Applicaion of Muli Shifs and Brea Windows in Employees Scheduling Evy Herowai Indusrial Engineering Deparmen, Universiy of Surabaya, Indonesia Absrac. One mehod for increasing company s performance
More informationChild Protective Services. A Guide To Investigative Procedures
Child Proecive Services A Guide To Invesigaive Procedures The purpose of his brochure is o help you undersand he Child Proecive Services (CPS) reporing and response process. Please conac your CPS worker
More informationQuantity Surveyors career potential as construction project managers
December, 2. 6. 2013 Quaniy Surveyors career poenial as consrucion projec managers Michelle Burger Deparmen of Consrucion Economics Universiy of Preoria Preoria, Souh Africa michelle.burger@up.ac.za Absrac
More informationMANAGEMENT CERTIFICATE PROGRAMS. tr aini ng.ua.edu. Management Certificate Programs To Improve Your Competitive Edge!
MANAGEMENT CERTIFICATE PROGRAMS r aini ng.ua.edu o u ch i n g l i v e s Bryan Conference Cener Tuscaloosa, Alabama Managemen Cerificae Programs To Improve Your Compeiive Edge! Inroducory-Advanced Managemen
More informationNikkei Stock Average Volatility Index Real-time Version Index Guidebook
Nikkei Sock Average Volailiy Index Real-ime Version Index Guidebook Nikkei Inc. Wih he modificaion of he mehodology of he Nikkei Sock Average Volailiy Index as Nikkei Inc. (Nikkei) sars calculaing and
More informationMACROECONOMIC FORECASTS AT THE MOF A LOOK INTO THE REAR VIEW MIRROR
MACROECONOMIC FORECASTS AT THE MOF A LOOK INTO THE REAR VIEW MIRROR The firs experimenal publicaion, which summarised pas and expeced fuure developmen of basic economic indicaors, was published by he Minisry
More informationWhy Did the Demand for Cash Decrease Recently in Korea?
Why Did he Demand for Cash Decrease Recenly in Korea? Byoung Hark Yoo Bank of Korea 26. 5 Absrac We explores why cash demand have decreased recenly in Korea. The raio of cash o consumpion fell o 4.7% in
More informationHow To Reduce Working Capial
Cash Managemen Laura Greenberg Liberaing Cash Reducing working capial levels Well-capialized companies are posiioned no only o survive he financial crisis oday, bu also o emerge vicorious and hrive when
More informationBALANCE OF PAYMENTS. First quarter 2008. Balance of payments
BALANCE OF PAYMENTS DATE: 2008-05-30 PUBLISHER: Balance of Paymens and Financial Markes (BFM) Lena Finn + 46 8 506 944 09, lena.finn@scb.se Camilla Bergeling +46 8 506 942 06, camilla.bergeling@scb.se
More informationPresent Value Methodology
Presen Value Mehodology Econ 422 Invesmen, Capial & Finance Universiy of Washingon Eric Zivo Las updaed: April 11, 2010 Presen Value Concep Wealh in Fisher Model: W = Y 0 + Y 1 /(1+r) The consumer/producer
More informationRelationships between Stock Prices and Accounting Information: A Review of the Residual Income and Ohlson Models. Scott Pirie* and Malcolm Smith**
Relaionships beween Sock Prices and Accouning Informaion: A Review of he Residual Income and Ohlson Models Sco Pirie* and Malcolm Smih** * Inernaional Graduae School of Managemen, Universiy of Souh Ausralia
More informationAnalysis of Pricing and Efficiency Control Strategy between Internet Retailer and Conventional Retailer
Recen Advances in Business Managemen and Markeing Analysis of Pricing and Efficiency Conrol Sraegy beween Inerne Reailer and Convenional Reailer HYUG RAE CHO 1, SUG MOO BAE and JOG HU PARK 3 Deparmen of
More informationDEMAND FORECASTING MODELS
DEMAND FORECASTING MODELS Conens E-2. ELECTRIC BILLED SALES AND CUSTOMER COUNTS Sysem-level Model Couny-level Model Easside King Couny-level Model E-6. ELECTRIC PEAK HOUR LOAD FORECASTING Sysem-level Forecas
More informationTo Sponsor or Not to Sponsor: Sponsored Search Auctions with Organic Links and Firm Dependent Click-Through Rates
To Sponsor or No o Sponsor: Sponsored Search Aucions wih Organic Links and Firm Dependen Click-Through Raes Michael Arnold, Eric Darmon and Thierry Penard June 5, 00 Draf: Preliminary and Incomplee Absrac
More informationResearch Article Survey for Sensor-Cloud System from Business Process Outsourcing Perspective
Inernaional Disribued Sensor Neworks Volume 2015, Aricle ID 917028, 5 pages hp://dx.doi.org/10.1155/2015/917028 Research Aricle Survey for Sensor-Cloud Sysem from Business Process Ousourcing Perspecive
More informationPremium Income of Indian Life Insurance Industry
Premium Income of Indian Life Insurance Indusry A Toal Facor Produciviy Approach Ram Praap Sinha* Subsequen o he passage of he Insurance Regulaory and Developmen Auhoriy (IRDA) Ac, 1999, he life insurance
More informationGrant Application Format
Gran Applicaion Forma Organizaions applying for Gran are requesed o submi his applicaion along wih he projec proposal o: The Program Manager Coca-Cola India Foundaion Enkay Towers, Udyog Vihar Phase V
More informationSTRUCTURING EQUITY INVESTMENT IN PPP PROJECTS Deepak. K. Sharma 1 and Qingbin Cui 2
ABSTRACT STRUCTURING EQUITY INVESTMENT IN PPP PROJECTS Deepak. K. Sharma 1 and Qingbin Cui 2 Earlier sudies have esablished guidelines o opimize he capial srucure of a privaized projec. However, in he
More informationCapital Budgeting and Initial Cash Outlay (ICO) Uncertainty
Financial Decisions, Summer 006, Aricle Capial Budgeing and Iniial Cash Oulay (ICO) Uncerainy Michael C. Ehrhard and John M. Wachowicz, Jr. * * The Paul and Beverly Casagna Professor of Finance and Professor
More informationTHE LAW SOCIETY OF THE AUSTRALIAN CAPITAL TERRITORY
Complee he form in BLOCK LETTERS Provide deails on separae shees if required To Responden Address THE LAW SOCIETY OF THE AUSTRALIAN CAPITAL TERRITORY Personal Injury Claim ificaion pursuan o he Civil Law
More informationPRACTICES AND ISSUES IN OPERATIONAL RISK MODELING UNDER BASEL II
Lihuanian Mahemaical Journal, Vol. 51, No. 2, April, 2011, pp. 180 193 PRACTICES AND ISSUES IN OPERATIONAL RISK MODELING UNDER BASEL II Paul Embrechs and Marius Hofer 1 RiskLab, Deparmen of Mahemaics,
More informationMarket Analysis and Models of Investment. Product Development and Whole Life Cycle Costing
The Universiy of Liverpool School of Archiecure and Building Engineering WINDS PROJECT COURSE SYNTHESIS SECTION 3 UNIT 11 Marke Analysis and Models of Invesmen. Produc Developmen and Whole Life Cycle Cosing
More informationS&P 500 Dynamic VIX Futures Index Methodology
S&P 500 Dynamic VIX Fuures Index Mehodology April 2014 S&P Dow Jones Indices: Index Mehodology Table of Conens Inroducion 2 Highlighs 2 Family 2 Index Consrucion 3 Consiuens 3 Allocaions 3 Excess Reurn
More informationINTRODUCTION TO FORECASTING
INTRODUCTION TO FORECASTING INTRODUCTION: Wha is a forecas? Why do managers need o forecas? A forecas is an esimae of uncerain fuure evens (lierally, o "cas forward" by exrapolaing from pas and curren
More informationThe Architecture of a Churn Prediction System Based on Stream Mining
The Archiecure of a Churn Predicion Sysem Based on Sream Mining Borja Balle a, Bernardino Casas a, Alex Caarineu a, Ricard Gavaldà a, David Manzano-Macho b a Universia Poliècnica de Caalunya - BarcelonaTech.
More informationINTRODUCTION TO EMAIL MARKETING PERSONALIZATION. How to increase your sales with personalized triggered emails
INTRODUCTION TO EMAIL MARKETING PERSONALIZATION How o increase your sales wih personalized riggered emails ECOMMERCE TRIGGERED EMAILS BEST PRACTICES Triggered emails are generaed in real ime based on each
More informationCapacity Planning and Performance Benchmark Reference Guide v. 1.8
Environmenal Sysems Research Insiue, Inc., 380 New York S., Redlands, CA 92373-8100 USA TEL 909-793-2853 FAX 909-307-3014 Capaciy Planning and Performance Benchmark Reference Guide v. 1.8 Prepared by:
More informationImpact of the APF-Business Risk Management Programs on Ontario Agriculture. Larry Martin Al Mussell
Impac of he APF-Business Risk Managemen Programs on Onario Agriculure Larry Marin Al Mussell Augus 5, 2003 Forward This sudy was an ineresing experience. When Miniser Johns and he Onario Agriculural Commodiy
More informationPrincipal components of stock market dynamics. Methodology and applications in brief (to be updated ) Andrei Bouzaev, bouzaev@ya.
Principal componens of sock marke dynamics Mehodology and applicaions in brief o be updaed Andrei Bouzaev, bouzaev@ya.ru Why principal componens are needed Objecives undersand he evidence of more han one
More informationCaring for trees and your service
Caring for rees and your service Line clearing helps preven ouages FPL is commied o delivering safe, reliable elecric service o our cusomers. Trees, especially palm rees, can inerfere wih power lines and
More informationResearch on Inventory Sharing and Pricing Strategy of Multichannel Retailer with Channel Preference in Internet Environment
Vol. 7, No. 6 (04), pp. 365-374 hp://dx.doi.org/0.457/ijhi.04.7.6.3 Research on Invenory Sharing and Pricing Sraegy of Mulichannel Reailer wih Channel Preference in Inerne Environmen Hanzong Li College
More informationIndividual Health Insurance April 30, 2008 Pages 167-170
Individual Healh Insurance April 30, 2008 Pages 167-170 We have received feedback ha his secion of he e is confusing because some of he defined noaion is inconsisen wih comparable life insurance reserve
More informationLINKING STRATEGIC OBJECTIVES TO OPERATIONS: TOWARDS A MORE EFFECTIVE SUPPLY CHAIN DECISION MAKING. Changrui Ren Jin Dong Hongwei Ding Wei Wang
Proceedings of he 2006 Winer Simulaion Conference L. F. Perrone, F. P. Wieland, J. Liu, B. G. Lawson, D. M. Nicol, and R. M. Fujimoo, eds. LINKING STRATEGIC OBJECTIVES TO OPERATIONS: TOWARDS A MORE EFFECTIVE
More informationUNDERSTANDING THE DEATH BENEFIT SWITCH OPTION IN UNIVERSAL LIFE POLICIES. Nadine Gatzert
UNDERSTANDING THE DEATH BENEFIT SWITCH OPTION IN UNIVERSAL LIFE POLICIES Nadine Gazer Conac (has changed since iniial submission): Chair for Insurance Managemen Universiy of Erlangen-Nuremberg Lange Gasse
More informationLECTURE: SOCIAL SECURITY HILARY HOYNES UC DAVIS EC230 OUTLINE OF LECTURE:
LECTURE: SOCIAL SECURITY HILARY HOYNES UC DAVIS EC230 OUTLINE OF LECTURE: 1. Inroducion and definiions 2. Insiuional Deails in Social Securiy 3. Social Securiy and Redisribuion 4. Jusificaion for Governmen
More informationREGULATIONS OF THE COMPLIANCE UNIT 21/07/15
REGULTIONS OF THE COMPLINCE UNIT /07/5 5 CONTENT TITLE I. NTURE, OBJECT, ND MENDMENT ricle. Naure and Objec ricle. mendmen TITLE II. COMPOSITION ricle. Composiion and Posiions ricle 4. Direcor of Compliance
More informationCan Individual Investors Use Technical Trading Rules to Beat the Asian Markets?
Can Individual Invesors Use Technical Trading Rules o Bea he Asian Markes? INTRODUCTION In radiional ess of he weak-form of he Efficien Markes Hypohesis, price reurn differences are found o be insufficien
More informationCLASSIFICATION OF REINSURANCE IN LIFE INSURANCE
CLASSIFICATION OF REINSURANCE IN LIFE INSURANCE Kaarína Sakálová 1. Classificaions of reinsurance There are many differen ways in which reinsurance may be classified or disinguished. We will discuss briefly
More informationTEMPORAL PATTERN IDENTIFICATION OF TIME SERIES DATA USING PATTERN WAVELETS AND GENETIC ALGORITHMS
TEMPORAL PATTERN IDENTIFICATION OF TIME SERIES DATA USING PATTERN WAVELETS AND GENETIC ALGORITHMS RICHARD J. POVINELLI AND XIN FENG Deparmen of Elecrical and Compuer Engineering Marquee Universiy, P.O.
More informationThe Greek financial crisis: growing imbalances and sovereign spreads. Heather D. Gibson, Stephan G. Hall and George S. Tavlas
The Greek financial crisis: growing imbalances and sovereign spreads Heaher D. Gibson, Sephan G. Hall and George S. Tavlas The enry The enry of Greece ino he Eurozone in 2001 produced a dividend in he
More informationII.1. Debt reduction and fiscal multipliers. dbt da dpbal da dg. bal
Quarerly Repor on he Euro Area 3/202 II.. Deb reducion and fiscal mulipliers The deerioraion of public finances in he firs years of he crisis has led mos Member Saes o adop sizeable consolidaion packages.
More informationt Thick,intelligent,or thin access points? t WLAN switch or no WLAN switch? t WLAN appliance with 3rd party APs?
IRONPOINT-FES IronPoin-FES Wireless Soluion IronPoin Benefis Mos Flexible WiFi Archiecure Leading Sandards-based Securiy Enerprise-class Mobiliy Advanced AP Funcionaliy Cenralized Managemen (wired & wireless)
More informationChapter 9 Bond Prices and Yield
Chaper 9 Bond Prices and Yield Deb Classes: Paymen ype A securiy obligaing issuer o pay ineress and principal o he holder on specified daes, Coupon rae or ineres rae, e.g. 4%, 5 3/4%, ec. Face, par value
More informationTSG-RAN Working Group 1 (Radio Layer 1) meeting #3 Nynashamn, Sweden 22 nd 26 th March 1999
TSG-RAN Working Group 1 (Radio Layer 1) meeing #3 Nynashamn, Sweden 22 nd 26 h March 1999 RAN TSGW1#3(99)196 Agenda Iem: 9.1 Source: Tile: Documen for: Moorola Macro-diversiy for he PRACH Discussion/Decision
More informationThe Journey. Roadmaps. 2 Architecture. 3 Innovation. Smart City
The Journe 1 Roadmaps 2 Archiecure 3 Innovaion Uili Mobili Living Enr Poins o a Grid Journe Sraeg COMM projec Evoluion no Revoluion IT Concerns Daa Mgm Inegraion Archiecure Analics Regulaor Analics Disribued
More information2009 / 2 Review of Business and Economics. Federico Etro 1
The Economic Impac of Cloud Compuing on Business Creaion, Employmen and Oupu in Europe An applicaion of he Endogenous Marke Srucures Approach o a GPT innovaion Federico Ero ABSTRACT Cloud compuing is a
More informationCALCULATION OF OMX TALLINN
CALCULATION OF OMX TALLINN CALCULATION OF OMX TALLINN 1. OMX Tallinn index...3 2. Terms in use...3 3. Comuaion rules of OMX Tallinn...3 3.1. Oening, real-ime and closing value of he Index...3 3.2. Index
More informationPrivate Cloud Computing for Enterprises: Meet the Demands of High Utilization and Rapid Change
Privae Cloud Compuing for Enerprises: Mee he Demands of High Uilizaion and Rapid Change Wha You Will Learn Enerprise daa ceners are faced wih a criical challenge: The number of applicaions and amoun of
More informationMODELING REGULATORY REGIMES FOR LAST-MILE BROADBAND CONNECTIONS IN A SINGLE-PROVIDER MARKET: A MULTI-MODEL APPROACH
MODELING REGULATORY REGIMES FOR LAST-MILE BROADBAND CONNECTIONS IN A SINGLE-PROVIDER MARKET: A MULTI-MODEL APPROACH Richard Curry, PhD Candidae London Business School, Regen s Park, London NW1 4SA, Unied
More informationInternal and external value evaluation of E-business strategy in enterprise
Available online www.jocpr.com Journal of Chemical and Pharmaceuical Research, 2014, 6(6):693-697 Research Aricle ISSN : 0975-7384 CODEN(USA) : JCPRC5 Inernal and exernal value evaluaion of E-business
More informationANALYSIS FOR FINDING AN EFFICIENT SALES FORECASTING METHOD IN THE PROCESS OF PRODUCTION PLANNING, OPERATION AND OTHER AREAS OF DECISION MAKING
Inernaional Journal of Mechanical and Producion Engineering Research and Developmen (IJMPERD ) Vol.1, Issue 2 Dec 2011 1-36 TJPRC Pv. Ld., ANALYSIS FOR FINDING AN EFFICIENT SALES FORECASTING METHOD IN
More informationPlanning Demand and Supply in a Supply Chain. Forecasting and Aggregate Planning
Planning Demand and Supply in a Supply Chain Forecasing and Aggregae Planning 1 Learning Objecives Overview of forecasing Forecas errors Aggregae planning in he supply chain Managing demand Managing capaciy
More informationNASDAQ-100 Futures Index SM Methodology
NASDAQ-100 Fuures Index SM Mehodology Index Descripion The NASDAQ-100 Fuures Index (The Fuures Index ) is designed o rack he performance of a hypoheical porfolio holding he CME NASDAQ-100 E-mini Index
More informationWorking Paper No. 482. Net Intergenerational Transfers from an Increase in Social Security Benefits
Working Paper No. 482 Ne Inergeneraional Transfers from an Increase in Social Securiy Benefis By Li Gan Texas A&M and NBER Guan Gong Shanghai Universiy of Finance and Economics Michael Hurd RAND Corporaion
More informationInitiative to Transform Medical Education
American Medical Associaion Iniiaive o Transform Medical Educaion American Medical Associaion Recommendaions for change in he sysem of medical educaion Iniiaive o Transform Medical Educaion Recommendaions
More informationChanges in the Use of ERP Systems Supporting Enterprise Logistics in Poland Sectoral Analysis
A. Mesjasz-Lech Changes in he Use of ERP Sysems Supporing Enerprise Logisics in Poland Secoral Changes in he Use of ERP Sysems Supporing Enerprise Logisics in Poland Secoral Agaa Mesjasz-Lech Czesochowa
More informationThe Diffusion of E-commerce at the Firm Level: Theoretical Implications and Empirical Evidence
The Diffusion of E-commerce a he Firm Level: Theoreical Implicaions and Empirical Evidence by Enrico Sanarelli* Universià di Bologna Diparimeno di Scienze Economiche Srada Maggiore, 45; I-40125 BOLOGNA;
More informationpolicies are investigated through the entire product life cycle of a remanufacturable product. Benefiting from the MDP analysis, the optimal or
ABSTRACT AHISKA, SEMRA SEBNEM. Invenory Opimizaion in a One Produc Recoverable Manufacuring Sysem. (Under he direcion of Dr. Russell E. King and Dr. Thom J. Hodgson.) Environmenal regulaions or he necessiy
More informationLongevity 11 Lyon 7-9 September 2015
Longeviy 11 Lyon 7-9 Sepember 2015 RISK SHARING IN LIFE INSURANCE AND PENSIONS wihin and across generaions Ragnar Norberg ISFA Universié Lyon 1/London School of Economics Email: ragnar.norberg@univ-lyon1.fr
More informationIdentify and ranking the factors that influence establishment of total quality management system in Payame Noor University of Lordegan
Idenify and ranking he facors ha influence esablishmen of oal qualiy sysem in Payame Noor Universiy of Lordegan Farhad Farhadi MA Suden, Deparmen of Managemen, Najafabad Branch, Islamic Azad Universiy,
More informationDepreciation and Corporate Taxes
205 Depreciaion and Corporae Taxes Chris Hendrickson Carnegie Mellon Universiy Tung Au Carnegie Mellon Universiy 205.1 Depreciaion as Tax Deducion 205.2 Tax Laws and Tax Planning 205.3 Decision Crieria
More informationTotal factor productivity growth in the Canadian life insurance industry: 1979-1989
Toal facor produciviy growh in he Canadian life insurance indusry: 1979-1989 J E F F R E Y I. B E R N S T E I N Carleon Universiy and Naional Bureau of Economic Research 1. Inroducion Produciviy growh
More informationSegmentation, Probability of Default and Basel II Capital Measures. for Credit Card Portfolios
Segmenaion, Probabiliy of Defaul and Basel II Capial Measures for Credi Card Porfolios Draf: Aug 3, 2007 *Work compleed while a Federal Reserve Bank of Philadelphia Dennis Ash Federal Reserve Bank of Philadelphia
More informationS&P GSCI Crude Oil Covered Call Index Methodology
S&P GSCI Crude Oil Covered Call Index Mehodology July 2014 S&P Dow Jones Indices: Index Mehodology Table of Conens Inroducion 3 Highlighs 3 The S&P GSCI Crude Oil Covered Call Index Mehodology 3 Definiions
More informationCable & Wireless Jamaica s Price Cap Plan
Office of Uiliies Regulaion Cable & Wireless Jamaica s Price Cap Plan Deerminaion Noice 2001 Augus 1 Absrac Cable and Wireless Jamaica (C&WJ) has radiionally been regulaed under a rae of reurn regime.
More information