query: what is the name of the saline nasal.spray to prevent colds in airplane rides

pos: Nasal Spray May Kill Cold Virus Nasal Spray May Kill Cold Virus. Sept. 15, 2009 (San Francisco) -- Oxymetazoline, a compound found in many over-the-counter nasal decongestant sprays, may help kill the virus that causes the common cold, researchers report.

neg: Flonase Nasal Spray -- Drug Information Allergies Home. As a type of nasal spray, Flonase ® (fluticasone propionate nasal spray) can help treat symptoms such as sneezing, a runny or stuffy nose, and nasal itching (known medically as rhinitis).Click Flonase for a more in-depth look at how Flonase nasal spray works, potential side effects, general dosing guidelines, and information on what to tell your healthcare provider before using this medication.). Flonase Nasal Spray -- Drug Information.

neg: Natural Allergy Relief: Saline Nasal Sprays People often use them at the end of the day. You can also use saline nasal sprays to add moisture if your nose feels dry from winter weather. Also, before you use a nasal steroid spray to treat your allergies, doctors suggest you first use a saline nasal spray to cleanse the nose and rid it of thick mucus and debris. Thick mucus can keep the nasal steroid spray from coating the nasal mucosa, where it’s most effective.

neg: - 1 Don't pop your ears. 2  Taking a big breath, then forcing the air back into your ears while you close your mouth and hold your nose is a good trick to try when your ears need clearing on an airplane. 3  But it's best not to use that technique when you have a cold — you may push infected mucus into the ears. 4  Avoid smoke.

neg: - Read product label for complete dosing instructions and warnings. Flonase is a registered trademark of GSK. Nasacort is part of the most effective class of medicine for the treatment of nasal allergy symptoms. It starts working on the first day you take it, and after just a few days of continual use, provides maximum symptom relief. It also contains a powerful anti-inflammatory that helps relieve your worst nasal allergy symptoms, even congestion, for 24 hours. *Among branded nasal allergy sprays. Research, November, 2014.

neg: Flonase Flonase is a nasal spray that can be used to treat allergic and non-allergic rhinitis. By decreasing inflammation, the medicine can help reduce nasal itching, sneezing, and runny or stuffy nose. Flonase is available by prescription and is generally used once or twice a day.

neg: - Uses of This Medicine. Azelastine nasal spray is used to help relieve symptoms (eg, stuffy or runny nose, itching, sneezing) of seasonal (short-term) or perennial (year-round) allergic rhinitis (hay fever), and vasomotor rhinitis.Azelastine is an antihistamine.asal Agent (About this-PubMed Health). Azelastine nasal spray is used to help relieve symptoms (eg, stuffy or runny nose, itching, sneezing) of seasonal (short-term) or perennial (year-round) allergic rhinitis (hay fever), and vasomotor rhinitis.

neg: Rowasa Rowasa is commonly prescribed for the treatment of ulcerative colitis that specifically affects the rectum and the last part of the colon. The medication helps to reduce symptoms by inhibiting the production of inflammatory chemicals in the lining of the colon.

neg: - Nasal or oral: For simple nasal congestion after a cold, you can use: oxymetazoline nasal spray, over the counter oral decongestants, or a saline irrigation solution. If you have high blood pressure or other heart issues, the oral decongestant is not the best choice as it is a potential stimulant to the heart.

neg: - New Zicam® Cold Remedy Nasal Spray is a brand new cold shortening nasal spray that also provides multi-symptom relief. The active ingredients in this new formula consist of a unique mix of plant-based homeopathic ingredients, delivered in our patented gel form. New Zicam® Cold Remedy Nasal Spray does not contain zinc.

neg: Post Operative Instructions Postoperative Care Instructions: 1  Nasal Saline Spray: Nasal saline mist spray can be used every 2-3 hours after surgery and can make your nose more comfortable after surgery. 2  Sinus Irrigations: You will start the sinus irrigations with the sinus rinse kits (NeilMed Sinus Rinse Kit) the day after surgery.

neg: Description and Brand Names Descriptions. Fluticasone nasal spray is used to treat sneezing, itchy or runny nose, or other symptoms caused by hay fever. This is a steroid medicine. This medicine is available both over-the-counter (OTC) and with your doctor's prescription.escriptions. Fluticasone nasal spray is used to treat sneezing, itchy or runny nose, or other symptoms caused by hay fever. This is a steroid medicine. This medicine is available both over-the-counter (OTC) and with your doctor's prescription.

neg: Fluticasone Nasal Spray Fluticasone nasal spray should not be used to treat symptoms (e.g., sneezing, stuffy, runny, itchy nose) caused by the common cold. Fluticasone is in a class of medications called corticosteroids. It works by blocking the release of certain natural substances that cause allergy symptoms.

neg: - A very effective prevention for sinus, allergies, and nasal symptoms is nasal saline rinse. At the first symptom from an allergen or irritant, nasal saline can be used to wash out the nose and sinuses. Allergens are dust and pollen, trees, and grasses.

neg: Top 30 Doctor insights on: Nasal Spray To Unclog Ears Mucinex (guaifenesin) nasal spray: Hello, Mucinex (guaifenesin) nasal spray is the same medication as afrin. It can be useful for eustachian tube dysfunction that will cause ear pressure. Use this medication as directed only for 5days.

neg: - Saline nasal sprays add moisture to the nasal passages, especially during the. winter when it’s cold and dry outside but hot and dry inside. When your nasal. passages are dry, mild nasal crusting may occur, and bacterial infections can. develop under these crusts. Saline sprays clean the nasal passages of crusts.

neg: GET THE ANSWERS YOU NEED FLONASE® Allergy Relief is an intranasal corticosteroid (INS) nasal spray that relieves nose-related and eye-related allergy symptoms. As a nasal spray now available over the counter*, FLONASE® works right in the nose, and is minimally absorbed by the body.1. *FLONASE® Allergy Relief is behind the counter in Quebec. Availability varies by province. Please speak with your pharmacist.

neg: - 3.2 RESEARCH DESIGN Burns and Grove (2003:195) define a research design as “a blueprint for conducting a study with maximum control over factors that may interfere with the validity of the findings”.

neg: Ayr Nasal Gel No-drip .75 oz. Saline Spray Ayr Nasal Gel No-drip .75 oz. Saline Spray Ayr Nasal Gel No-drip Saline Spray helps relieve dry sinus passages due to low humidity colds, allergies, and irritants. Helps you breathe better, with soothing aloe that moisturizes dry nasal and sinus tissue for comforting relief.

neg: Natural Allergy Relief: Saline Nasal Sprays You can also use these sprays to add moisture if your nose feels dry from winter weather. If you use a nasal steroid spray to treat your allergies, doctors suggest you first use a saline spray to cleanse the nose and rid it of thick mucus and debris. Thick mucus can keep the steroid from working as well as possible.

neg: The Additives May Be The Problem Saline solutions can also be used for pulsatile irrigation of the nasal passages and sinuses . Every doctor tells you to irrigate with warm saline. Warm solution helps bring more circulation to the area, and besides, it feels good. Yet, some solutions with additives allow use only at room temperature!

neg: - Another way to suppress your congestion during pregnancy is by using a more natural option: saline-only nasal spray. Saline-only nasal sprays are made up of only salt and water, and there are no added steroids or chemicals in the mix.

neg: - 1 doctor agreed: 1  Rynase Aqua: Or rhinocort aqua, is a moisturized steroid nasal spray , used mainly to treat/control allergic/inflammatory conditions of the nasal cavity, active ingredient is budesonide, it is only a prescription strength medicine ...Read more.

neg: - Saline nose rinses have a natural decongestant effect as the salt causes your sinus membranes to dry and contract. However, it doesn't work as well as Afrin or the generic equivalents. I still use Afrin on occasion and usually just put one quick squirt in each nose when the saline or Flonase doesn't give me relief.

neg: Natural Allergy Relief: Saline Nasal Sprays Some studies show that a saline solution restores moisture to dry nasal passages and sinuses, and curbs inflammation of mucous membranes. If you use a Neti pot or a small squirt bottle for saline irrigation regularly, it can help to thin mucus, give you less postnasal drip, and cleanse your nasal passages of bacteria. What types can I use? You can buy an over-the-counter saline solution or make one at home. Most over-the-counter saline nasal sprays are isotonic, which means the solution is the same saline concentration as in your body. Hypertonic versions have a higher concentration of salt than what’s in your body. Both types can help clear mucus. Saline sprays also help keep the cilia in your nose healthy.

neg: Description and Brand Names Descriptions. Butorphanol nasal spray is used to relieve pain. It belongs to the group of medicines called narcotic analgesics (pain medicines). Butorphanol acts on the central nervous system (CNS) to relieve pain.escriptions. Butorphanol nasal spray is used to relieve pain. It belongs to the group of medicines called narcotic analgesics (pain medicines). Butorphanol acts on the central nervous system (CNS) to relieve pain.


query: causes of skin puckering

pos: - If you notice any unusual breast changes, have them examined by your doctor. Breast cancer can lead to a variety of symptoms. The most obvious is a breast lump. But other symptoms include skin changes on your breast, such as redness, dimpling or puckering of the skin. Breast cancer also can cause a skin rash that looks similar to mastitis — an infection of the breast tissue that most often affects women who are breast feeding. If you find a new rash or breast redness, and you are not breast feeding, that should be evaluated by your doctor.

neg: Symptoms and signs of breast cancer If the lump gets bigger, it can cause a change in the shape of the breast with puckering or dimpling of the overlying skin. If left untreated they can grow into the skin and cause ulceration or bleeding.

neg: Scleroderma What are the symptoms? Typically, the skin in scleroderma is bound down to underlying structures producing tapering in the fingers known as sclerodactyly. A binding down of the facial skin produces beaking of the nose, puckering around the mouth and limitation of mouth opening.

neg: The Effects of Aging on Skin They include: 1  Loss of fat below the skin in the cheeks, temples, chin, nose, and eye area may result in loosening skin, sunken eyes, and a skeletal appearance. 2  Bone loss, mostly around the mouth and chin, may become evident after age 60 and cause puckering of the skin around the mouth.

neg: - The typical causes are: 1  tightly curled hair. 2  dry skin. 3  bacterial and fungal infections. 4  shaving too closely. 5  hair removal such as waxing and tweezing. 6  friction from clothing. 7  skin-irritating chemicals. 8  sebum, dirt, grease, makeup and comedogenic (pore clogging) skincare products.

neg: - Palm oil development is a complex topic with many factors to consider, and it can sometimes be hard to wrap your head around. We've compiled some information that will allow you to gain a deeper understanding of this important issue.

neg: Hives and Your Skin A. A. A. Urticaria, also known as hives, is an outbreak of swollen, pale red bumps or plaques (wheals) on the skin that appear suddenly -- either as a result of the body's reaction to certain allergens, or for unknown reasons. Hives usually cause itching, but may also burn or sting. They can appear anywhere on the body, including the face, lips, tongue, throat, or ears. Hives vary in size (from a pencil eraser to a dinner plate), and may join together to form larger areas known as plaques.

neg: Sallow Skin Sallow skin often makes an individual look older than they are, often times making a person look sickly. Sallow skin is characterised by yellowing or pale tinted skin. The individual that is suffering from sallow skin will often have skin that is tired looking, and may look haggard. They will generally not look like they are in the best of health. The main causes of sallow skin include smoking, a vitamin deficiency, and anemia. Sallow skin may also be caused by dehydration.

neg: Breast Skin Changes Common causes of skin changes include: 1  Skin puckering or dimpling. 2  Skin puckering or dimpling can be caused by scarring from a previous operation or infection, but in the majority of cases, no specific reason can be found. 3  Most often it is not a sign of underlying cancer, but should be evaluated with exam and imaging.

neg: - Some of the symptoms are listed below and these may vary as they depend on the causes: 1  Inflammatory feeling. 2  Flaky and chapped lips. 3  Dried out lips.  Deadness or numb feeling on 1  lips. Painful moments.  Redness or 1  puffiness. Allergies, sores or pimples.

neg: - What are tingling lips? Tingling lips, a feeling of “pins and needles” in your lips, can have a number of causes, including chapped lips, allergic reactions to food or facial products, and cold sores. Tingling lips can also be caused by nerve damage from extreme heat or cold or from toxic substances. Alternatively, tingling lips may be caused by neuropathy, or nerve damage. Chronic conditions, such as multiple sclerosis, can sometimes cause tingling lips. Tingling lips can also occur as a result of hyperventilation.

neg: - Skin Problems: Skin Peeling. Due to the range of the causes of skin peeling, treatment should be given depending on the condition. It may cause blisters or sores, fever, diarrhea, pain, vomiting, swelling etc. Life threatening causes include toxic shock syndrome. In such cases you have to seek medical help as soon as possible.

neg: Scar Treatment 1 Burn scars. 2  Severe burns that destroy large sections of skin cause the skin to heal in a puckered way. 3  As the skin heals, muscles and tendons may be affected in this contracting movement. 4  Keloid scars are a result of the skin's overproduction of collagen after a wound has healed.

neg: - Causes of Milia. Milia is caused by flakes of dead skin that become trapped on the surface of the skin. It is not known why milia develops in some people and not others. Milia: Related Medical Conditions.

neg: What causes a rash at the corner of the mouth? Topics | Oral Health | Tooth & Mouth Disorders | What causes a rash at the corner of the mouth? Nighttime drooling can lead to a rash at the corners of the mouth, called perleche. Signs of perleche are usually redness, a bit of scaling, sometimes a fissure (or crack) in skin. Perleche is usually the result of a change in the folds of the mouth, which happens when there's a significant physical change, such as dentures or changes in weight.

neg: 14 Rashes You Need to Know: Common Dermatologic Diagnoses Intertrigo (shown) is an inflammatory condition of skin folds, often from a candidal infection, but it also may be caused by bacteria, fungi, or viruses.[25,26] Heat, moisture, maceration, friction, and lack of air circulation all provide ideal conditions for infection.

neg: - Besides thickening and hardening of the skin, scleroderma can cause skin to lose elasticity and become shiny as it stretches across bones. Other symptoms include: Numbness, pain or color changes in fingers, toes, cheeks, nose and ears, often brought on by cold or emotional distress. (Raynaud's phenomenon)

neg: - List of causes of Erythema. Following is a list of causes or underlying conditions (see also Misdiagnosis of underlying causes of Erythema) that could possibly cause Erythema includes: 1  Sunburn. 2  Hot flushes. 3  Blushing (see Flushing). 4  Skin infection. 5  Skin allergy. 6  Skin inflammation. 7  SLE. 8  Erythema nodosum.

neg: Skin Fold Dermatitis The skin disease that can result from improper care of the skin in those wrinkles. Skin fold dermatitis, which can also happen to cats with squished faces, is caused by the warm, moist conditions that can occur in deep skin folds on the face, at the tail, or around the private parts of females. It causes hair loss, skin irritation, and a bad smell in those folds, and leads to a skin infection called pyoderma.

neg: Top Recommendations10075502597% 92% 86%1ADVANCED DERMATOLOGY2REVIVE3LA PRAIRIE But it is not just the tobacco smoke that causes the skin to age prematurely—the constant puckering action that smokers perform to inhale the tobacco also causes the skin to wrinkle. When the same motion is made over and over, the skin on the upper lip forms creases that eventually deepen, creating upper lip wrinkles.

neg: Skin Peeling: Causes and Symptoms Eczema which is a chronic skin rash which causes skin inflammation that could lead to skin peeling. Psoriasis which results in scaling and inflammation of the skin causing it to peel. Toxic Epidermal Necrolysis (TEN) or blisters which cover the whole body. It is a rare disease, but another reason for skin peeling.

neg: - 1 Intertrigo is a dermatitis that only affects skin folds. 2  Intertrigo is caused when skin is irritated by friction, which is enhanced by moisture and heat. 3  Risk factors for intertrigo include obesity, heat, and humidity. 4  Intertrigo patients complain of redness, burning, and itching in the skin folds.

neg: Itching or burning, Puffy eyelids, Scaley skin on eyelids and Swelling Rosacea is a skin condition that causing redness, broken blood vessels, a rash, or thickened skin on the face. Eczema is a common cause of skin rashes in children, causing redness, bumps, swelling, itchiness, and more. Eczema is a skin condition that causes itchy, scaly, and dry skin.

neg: Introduction Theories include: 1  Heat from the cigarette directly burning the skin. 2  Changes in the elastic fibres of the skin (elastosis 3  ) Narrowing of blood vessels (vasoconstriction), which reduces blood supply to the skin and can cause changes in skin elastic fibres and loss of collagen.  Reducing vitamin A levels and moisture of the skin.

neg: Facial Rash: Causes and Treatment 1 Dry Skin – Dry skin causes the facial skin to appear dry and itch. 2  Untreated dry skin can lead to psoriasis. 3  Lack of oils and extreme fat intake in the diet is a common cause of dry skin on the face.4  It can also occur due to inferior facial products and the application of hard and harsh soaps. It can also occur due to inferior facial products and the application of hard and harsh soaps. 2  Dry skin on the face can also occur due to more serious conditions, such as, diabetes and hypothyroidism. 3  Heat Rash – Overexposure to heat and sunlight may result in a heat rash.

neg: - 1 Malar (over the cheeks of the face) butterfly rash. 2  Discoid skin rash (patchy redness with hyperpigmentation and hypopigmentation that can cause scarring)  Photosensitivity (skin rash in reaction to sunlight [ultraviolet light] exposure)


query: what is transactional rfc

pos: - RSARFCRD SAP ABAP Report - Transactional RFC. RSARFCRD is a standard Executable ABAP Report available within your SAP system (depending on your version and release level). Below is the standard documentation available for this report and a few details of other objects it interacts with such as tables, function modules, includes etc.

neg: Wiki Internet Transaction ServerITS FAQs What is SAP Internet Transaction Server? SAP Internet Transaction Server (SAP ITS) is a server which enhances the three-tiered SAP architecture for use in the Internet. It combines existing Internet technology with application technology and allows reliable access to SAP functions from the Internet or intranets.

neg: Session Initiation Protocol Network elements. The network elements that use the Session Initiation Protocol for communication are called SIP user agents. Each user agent (UA) performs the function of a user agent client (UAC) when it is requesting a service function, and that of a user agent server (UAS) when responding to a request.

neg: Supported SAP Schema Types for Exchanging Information There are two significant differences between simple RFC calls and IDoc data exchange: 1  Every action performed on IDocs is protocolled by SAP. 2  IDocs can be reprocessed if an error occurs in one of the message steps. SAP follows a concept of change pointers to have a protocolled way of sending out IDocs.

neg: Understanding Application Layer Protocols RTCP is a complimentary protocol to RTP and is a bidirectional UDP-based mechanism to allow the client to communicate stream-quality information back to the object server. The RTCP UDP communication always uses the next UDP source port up from that used by the RTP stream, and consequently is always odd. Figure 3-7 shows how the three protocols work together

neg: List of SIP response codes The Session Initiation Protocol (SIP) is a signalling protocol used for controlling communication sessions such as Voice over IP telephone calls. SIP is based around request/response transactions, in a similar manner to the Hypertext Transfer Protocol (HTTP).Each transaction consists of a SIP request (which will be one of several request methods), and at least one response.he SIP response codes are an extension to the HTTP response codes, although not all HTTP response codes are valid in SIP. SIP responses also specify a reason phrase, and a default reason phrase is defined with each response code.

neg: - Purpose of Dynamic Routing Protocols A routing protocol is a set of processes, algorithms, and messages that are used to exchangerouting information and populate the routing table with the routing protocol’s choice of bestpaths.or this purpose, a metric is used. A metric is a value used byrouting protocols to assign costs to reach remote networks. The metric is used to determinewhich path is most preferable when there are multiple paths to the same remote network.Each routing protocol calculates its metric in a different way.

neg: - RFC means that the release for construction (after Approved For Construction) is given...start the project. (see also AFC - Approved For Construction) RTJ is an abbreviation Ring Type Joint flanges.

neg: Request for Comments (RFC) Part of the Internet technologies glossary: RFC is also an abbreviation for Remote Function Call. A Request for Comments (RFC) is a formal document from the Internet Engineering Task Force (IETF) that is the result of committee drafting and subsequent review by interested parties. Some RFCs are informational in nature.

neg: - To register your program ID: 1  Launch the SAP GUI and log in to the SAP system. 2  Select Tools, Administration, Network, and then RFC destination. 3  Run the SM59 transaction. The Display and maintain RFC destinations window is displayed.  Select TCP/IP connections and click Create. The RFC Destination window is displayed.

neg: Publication Types for Transactional Replication Standard transactional publication. Appropriate for topologies in which all data at the Subscriber is read-only (transactional replication does not enforce this at the Subscriber). Standard transactional publications are created by default when using Transact-SQL or Replication Management Objects (RMO).

neg: Models of communication In light of these weaknesses, Barnlund (1970) proposed a transactional model of communication. The basic premise of the transactional model of communication is that are simultaneously engaging in the sending and receiving of messages.In a slightly more complex form, a sender and a receiver are linked reciprocally.t consists of the sender encoding a message and channeling it to the receiver in the presence of noise. In this model there is no feedback which may allow for a continuous exchange of information. This form of communication is a one-way form of communication that does not involve any feedback or response, and noise.

neg: How Does Spring @Transactional Really Work? The transactional annotation itself defines the scope of a single database transaction. The database transaction happens inside the scope of apersistence context. The persistence context is in JPA the EntityManager, implemented internally using an Hibernate Session (when using Hibernate as the persistence provider).

neg: Transactional Replication Initial Dataset. Before a new transactional replication Subscriber can receive incremental changes from a Publisher, the Subscriber must contain tables with the same schema and data as the tables at the Publisher.he data changes are applied to the Subscriber in the same order and within the same transaction boundaries as they occurred at the Publisher; therefore, within a publication, transactional consistency is guaranteed.

neg: Atomic Transactions BizTalk Server ensures that state changes within an atomic transaction—such as modifications to variables, messages, and objects—are visible outside the scope of the atomic transaction only upon commitment of the transaction. The intermediate state changes are isolated from other parts of an orchestration.

neg: Atomic Transactions Atomic Transactions. Atomic transactions guarantee that any partial updates are rolled back automatically in the event of a failure during the transactional update, and that the effects of the transaction are erased (except for the effects of any .NET calls that are made in the transaction). Atomic transactions in BizTalk orchestrations are similar to distributed transaction coordinator (DTC) transactions in that they are generally short-lived and have the four ACID attributes (atomicity, consistency ...

neg: - In addition, table-specific settings, such as the buffering of the table or indexes for thetable, can be defined.When the table is activated, a physical table definition in the database is added to the tabledefinition stored in the ABAP/4 Dictionary.

neg: Summary The vulnerability exists due to an incorrect handling of HTTP 302 Redirect responses for the Conversation Definition Language (CDL) protocol by the affected software. Due to this flaw, a reference counter for a certain object could be incorrectly calculated, leading to memory corruption. An unauthenticated, remote attacker could exploit this vulnerability by persuading a targeted user to view a malicious web page that is designed to issue crafted HTTP 302 Redirect responses. Processing such responses could trigger a use-after-free error, leading to memory corruption.

neg: 4 Transaction Management Introduction to Transactions. A transaction is a logical unit of work that contains one or more SQL statements. A transaction is an atomic unit. The effects of all the SQL statements in a transaction can be either all committed (applied to the database) or all rolled back (undone from the database).A transaction begins with the first executable SQL statement. transaction is an atomic unit. The effects of all the SQL statements in a transaction can be either all committed (applied to the database) or all rolled back (undone from the database). A transaction begins with the first executable SQL statement.

neg: ABAP Connectivity ABAP Connectivity Home ABAP Connectivity - RFCRFC connections on âNATedâ environments This page contains an example of NATed topology, and the settings that need to be performed to configure an RFC communication between two SAP systems located at different ends of a NATed network environment.

neg: Types of RFC communication Transactional RFC (tRFC) : This type of RFC communication is similar to asynchronous RFC but by allocating a transaction id(TID) it guarantees that if a request is sent several times because of network problems it is processed only once.

neg: Transactional Analysis (Transactional Analysis early history). Transactional Analysis is a theory developed by Dr. Eric Berne in the 1950s. Originally trained in psychoanalysis, Berne wanted a theory which could be understood and available to everyone and began to develop what came to be called Transactional Analysis (TA).Transactional Analysis early history). Transactional Analysis is a theory developed by Dr. Eric Berne in the 1950s. Originally trained in psychoanalysis, Berne wanted a theory which could be understood and available to everyone and began to develop what came to be called Transactional Analysis (TA).

neg: - The Transaction Model is a model that sees communication or negotiation of meaning in two or more parties responding to their environment and each other (Mohan. T, McGregor. H, Saunders. S, Archee.

neg: Online transaction processing Online transaction process concerns about concurrency and atomicity. Concurrency controls guarantee that two users accessing the same data in the database system will not be able to change that data or the user has to wait until the other user has finished processing, before changing that piece of data.

neg: Registration Online transaction processing, or OLTP, is a class of information systems that facilitate and manage transaction-oriented applications, typically for data entry and retrieval transaction processing.

neg: Bluetooth: Unifying the Telecommunications and Computing Industries The Session Layer provides the management and data flow control services, which are covered by L2CAP and the lower ends of RFCOMM/SDP. The Presentation Layer provides a common representation for Application Layer data by adding service structure to the units of data, which is the main task of RFCOMM/SDP.


query: average research assistant wage

pos: - Research Assistant Salary. Research Assistant average salary is $41,058, median salary is $38,854 with a salary range from $20,800 to $190,000. Research Assistant salaries are collected from government agencies and companies. Each salary is associated with a real job position.

neg: - Home Visiting Assistant Professor Salary. Visiting Assistant Professor average salary is $64,753, median salary is $52,000 with a salary range from $20,332 to $900,000.Visiting Assistant Professor salaries are collected from government agencies and companies. Each salary is associated with a real job position.isiting Assistant Professor salary is full-time annual starting salary. Intern, contractor and hourly pay scale vary from regular exempt employee. Compensation depends on work experience, job location, bonus, benefits and other factors.

neg: - Averages. The average salary of an assistant professor is $66,564 for the 2011 to 2012 school year, according to the American Association of University Professors. This organization surveyed over 1,200 colleges on how much they paid their full-time faculty.ale assistant professors earned $117,800 per year and females made $103,900 per year. The lowest average pay for assistant professors in the 50 states was Lackawanna College at $35,700 per year. Of the college’s 31 full-time faculty, 18 were tenured and an additional nine had tenure-track positions.

neg: Administrative Assistant  Salary (United States). An Administrative Assistant earns an average wage of $14.79 per hour. Pay for this job does not change much by experience, with the most experienced earning only a bit more than the least.dministrative assistants are employed in a very wide range of fields and provides various types administrative assistance to employees. Depending on the workload, they may be trusted with carrying out tasks for one or many individuals within a department, and cross-department work is sometimes necessary.

neg: - The average annual wage for administrative assistants in 2013 was $34,000, according to the BLS. Salaries ranged from $20,370 to $49,370. More administrative assistants worked in elementary and secondary schools -- where the average annual salary was $34,450 -- more than any other work setting in 2013.

neg: Understand your Internet Speeds â Megabits vs. Megabytes Internet speed, the number they give you (5 Mbps, for example), has nothing to do with how fast your internet works. It’s not like a car or motorcycle where you can measure how fast it goes in miles per hour (mph). Instead, internet speed is your (allocated) bandwidth. Bandwidth is the amount of data that can be sent to you, usually measured in seconds. For example, 5 Mbps would mean that you can receive up to 5 megabits of data per second.

neg: Boston UniversityAssistant Professor Salary Assistant Professors at Boston University make on average $92,095 over the course of nine months, the typical contract for an academic year. This is $41,089 more than the average university assistant professor's nine month salary ($51,006).he average annual salary for male assistant professors is $126,403, which is $38,641 more than the average for male assistant professors at universities. The average annual salary for female assistant professors is $118,633, which is $35,026 more than the average for female assistant professors at universities.

neg: Salary Prospects for Radiology Assistants Basic Average Salary as a Radiology Assistant. As a radiology assistant, you can expect to earn anywhere from $60,000 to $80,000 annually as a starting salary. According to the American Society of Radiologic Technologists, the average salary for all radiology assistants overall is $102,972, so as you can see, in this field, you can easily earn a six-figure salary. Location is one of the main factors that affects salary in the radiology field.

neg: - (United States). Production Assistants in the United States can expect wages of $13.97 per hour on average. Residence is the biggest factor affecting pay for this group, followed by experience level. The majority of Production Assistants claim high levels of job satisfaction.

neg: Research Coordinator  Salary A Research Coordinator earns an average salary of $45,494 per year. Most people with this job move on to other positions after 20 years in this field. $34,354 - $64,278.

neg: - Legal Assistant average salary is $39,375, median salary is $36,594 with a salary range from $20,800 to $125,000. Legal Assistant salaries are collected from government agencies and companies. Each salary is associated with a real job position. Legal Assistant salary statistics is not exclusive and is for reference only.

neg: How Much Does a Biology Research Assistant Make? Biological research assistants working in the San Francisco-San Mateo-Redwood City area of California reported the highest average wages for their occupation, $67,700 per year. Those employed in the Bridgeport-Stamford-Norwalk area of Connecticut earned nearly as much, with an average annual income of $67,450.he average annual salary of a biological technician was $42,290 and the average hourly wage was $20.33. As of May 2011, biological technicians working in the offices of physicians reported the highest earnings of those in any work environment, an average of $60,630 per year.

neg: - Research Assistant Cambridge, MA Salary. Research Assistant Cambridge, MA average salary is $83,133, median salary is $76,000 with a salary range from $28,450 to $780,000. Research Assistant Cambridge, MA salaries are collected from government agencies and companies. Each salary is associated with a real job position.

neg: - The average salary for urology medical assistant jobs is $79,000. Average urology medical assistant salaries can vary greatly due to company, location, industry, experience and benefits.

neg: 273 Research Coordinator Salaries 273 Research Coordinator Salaries Research Coordinators earn $41,000 annually on average, or $20 per hour, which is 39% less than the national average for all working Americans. Our data indicates that the best paid Research Coordinators work for Texas Lottery at $82,000 annually while the lowest paid Research Coordinators work for Charleston Area Medical Center earning approximately $28,000 each year.

neg: What Is a Radiologist Assistant? The Bureau of Labor Statistics doesn't provide salary data for radiologist assistants, but a 2010 salary survey performed by the American Society for Radiologic Technologists included data for RAs. The survey reported an average income of $100,004 for radiologist assistants, and a median income of $99,843. RAs working in doctors' offices earned an average of $96,578 per year. Those in not-for-profit hospitals averaged $98,289, while their peers in for-profit hospitals earned an average of $100,771.

neg: - For example the median expected annual pay for a typical Clinical Research Associate I in the United States is $56,691 so 50% of the people who perform the job of Clinical Research Associate I in the United States are expected to make less than $56,691.

neg: - In 2013 female assistant professors at Boston University had an average monthly salary of $9,886. This is $350 more than female assistant professors earned per month in 2012, the most recently reported prior year, and a 3.5 percent increase in monthly earnings over the previous year's average monthly salary ($9,536).he average annual salary for male assistant professors is $126,403, which is $38,641 more than the average for male assistant professors at universities. The average annual salary for female assistant professors is $118,633, which is $35,026 more than the average for female assistant professors at universities.

neg: - Research Assistant Professor Salary. Research Assistant Professor average salary is $58,856, median salary is $55,000 with a salary range from $20,788 to $750,000. Research Assistant Professor salaries are collected from government agencies and companies.Each salary is associated with a real job position.esearch Assistant Professor Salary. Research Assistant Professor average salary is $58,856, median salary is $55,000 with a salary range from $20,788 to $750,000. Research Assistant Professor salaries are collected from government agencies and companies.

neg: - How much does a Research Specialist at University of Arizona make in Tucson, AZ? The typical salary for a University of Arizona Tucson Research Specialist ranges from $31,200-$49,326, with an average salary of $40,580. Salary estimates based on 29 salary report(s) submitted anonymously to Glassdoor by University of Arizona Research Specialist employees in Tucson, AZ or estimated based upon statistical methods.

neg: - The average salary for a Postdoctoral Research Associate is £30,245 per year. Most people with this job move on to other positions after 10 years in this field.

neg: $25,858  (USD) The average research associate- biology salary in Tucson, Arizona is $25,858 or an equivalent hourly rate of $12. This is 8% lower (-$2,124) than the average research associate- biology salary in the United States. In addition, they earn an average bonus of $310. Salary estimates based on salary survey data collected directly from employers and anonymous employees in Tucson, Arizona.

neg: Salary Ranges for Administrative Assistants These assistants earned an average of $44,310 annually, according to the bureau, with the best-paid 10 percent earning $66,940 or more, and the lowest-paid 10 percent earning $26,360 or less.

neg: Nursing Assistant  Salary Human Resources (HR) Assistant Salary. A Human Resources (HR) Assistant earns an average wage of $15.51 per hour. Most people with this job move on to other positions after 20 years in this career. Pay for this job does not change much by experience, with the most experienced earning only a bit more than the least. $29,440 - $51,093.

neg: - Administrative Assistant Salary. The salary an administrative assistant draws varies according to the geographical area of the country and the industry within which he or she works. Legal administrative assistants earn an average of $48,000 per year with a low of $27,000 to a high of $65,000.Medical administrative assistants make $43,000 to $70,000 annually. The median salary for general office administrative assistants is an average of $30,000.Geographic location plays a big role in salary.Administrative assistants in Trenton, New Jersey and Boston, Massachusetts make about $45,000 and $44,000 respectively.dministrative Assistant Salary. The salary an administrative assistant draws varies according to the geographical area of the country and the industry within which he or she works. Legal administrative assistants earn an average of $48,000 per year with a low of $27,000 to a high of $65,000.

neg: - $60,000. Average Research Associate salaries for job postings in Boston, MA are 26% higher than average Research Associate salaries for job postings nationwide.


query: these boots are made for walking lyrics and chords

pos: - Something you call love, but confess. A You've been messin' where you shouldn't have been messin' E and now someone else is gettin' all your best. Chorus: G E These boots are made for walking, G E and that's just what they'll do G E N.C. one of these days these boots are gonna walk all over (you). Link 1: [ Tab from: http://www.guitaretab.com/n/nancy-sinatra/131032.html ] |E |E |E |E |E |E |E |E | you Yeah!

neg: These Boots Are Made for Walkin' These Boots Are Made for Walkin'. From Wikipedia, the free encyclopedia.  These Boots Are Made for Walkin'  is a pop song written by Lee Hazlewood and recorded by Nancy Sinatra. It was released on February 22, 1966, and hit No. 1 in the United States Billboard Hot 100 and in the UK Singles Chart.ritish singer-songwriter Geri Halliwell recorded her own version of These Boots Are Made for Walkin' for the soundtrack to the film Rugrats in Paris: The Movie.

neg: - Built for the everyday adventurer, a tough lace-up boot made from water-resistant cotton canvas is built on a slim Vibram rubber sole and finished with a removable Woolrich wool insole. Color(s): brush brown canvas, field tan canvas. Brand: WOOLRICH.

neg: - Women's Boots The perfect boots can be hard to find, but we've done the legwork for you. The Walking Company’s collection of comfort boots features classic and contemporary styles made with the finest leathers and natural materials to provide you with the perfect boots for every occasion.

neg: - True to size. A textured, water-resistant textile shaft adds tonal depth to this double-buckle waterproof-leather boot, designed with a versatile round toe. The soft, cozy lining is made from genuine shearling or plush UGGpure™, a textile made entirely from wool but engineered to feel and wear like genuine shearling.

neg: - This feature is not available right now. Please try again later. Dr. Gary Friedlander from Sole Foot and Ankle Specialists explains the correct way to use a CAM Walker or commonly known as a Walking Boot. The CAM Walker is designed for you to roll into your step, not forcibly pick up your foot and step down. 1  People & Blogs. 2  Standard YouTube License.

neg: - 'These Boots are Made for Walking' was first recorded by Nancy Sinatra.It was written by Lee Hazlewood and released in February 1966.es. Her recording can easily be found on the Internet, and may  still be available for purchase through some music retailers.    Try: Loretta Lynn-These Boots Are M … ade For Walking - 1966.

neg: - Many uses of turmeric relate to the anti-oxidant or anti-inflammatory activities of curcumin. 1  Turmeric powder is effective against indigestion. 2  Curcumin can prevent ulcerative colitis from intensifying. 3  Turmeric can be effective for reducing joint pain swelling, morning stiffness and rheumatoid arthritis.

neg: - The same chord shapes and progression were played on each ukulele in the same manner; however, because of the different tunings, they are not all being played in the same key. The chords are for Ridin' Down The Canyon (1939, Autry & Burnette). File sizes are adjusted for the best sound reproduction.

neg: How the Timberland Boot Became an Icon of Hip-Hop Style Originally designed as a hard-wearing boot for New England construction workers, the six-inch high waterproof nubuck shoe has become synonymous with hip-hop style, appearing on the feet – and in the songs – of everyone from Notorious B.I.G. to Kanye West.

neg: - In using the highest quality materials to craft each boot, Lucchese offers a comfort that is unmatched by lesser quality boots made off shore by machine. The cording is done by hand in over two dozen designs and they offer more than 100 stitching designs, some that are over 75 years old.

neg: Fitness Here are some tips for finding the best fit in a pair of walking shoes: 1  Wear the same socks you'll wear when walking, or take the socks with you to the store. 2  Shop for shoes after you've been walking for a while, and later in the day, when your feet are at their largest.

neg: - These Boots Are Made for Walkin'. Single by Nancy Sinatra. These Boots Are Made for Walkin' is a hit song written by Lee Hazlewood and recorded by Nancy Sinatra. It was released on February 22, 1966, and hit No. 1 in the United States Billboard Hot 100 and in the UK Singles Chart.

neg: - Green calf leather 'Buffalo Trail' slip-on shoes from Vans. Designed for Vans Vault BY Japanese artist and designer Taka Hayashi. Dimensions: heel: 2 centimetres, sole height: 1.8 centimetres Composition: 100% suede, 100% leather, sole: 100% rubber.

neg: - Men's Boots. The Walking Company’s collection of comfort boots features a range of styles made with the finest leathers, natural materials, and innovative comfort technology to provide you with the ideal boots for every occasion. Items Per Page: 244896Show All. 12345...7.

neg: Walking Cast, Ankle Stabilizer, Walking Boot, Air Cast Short Walking Cast Boot. The Short Walking Cast Boot helps support and immobilize the wearer's foot and ankle. The walking cast has a steel reinforced rocker bottom that allows the wearer to walk more naturally. The extra heel width of the Short Walking Cast makes the boot more stable and allows for more surface contact.

neg: Nancy Sinatra - These Boots Are Made For Walkin tab [E]You keep saying you've got something for me. Something you call love, but confess. [A]You've been messin' where you shouldn't have been messin'. and now [E]someone else is gettin' all your best. Chorus: These [G]boots are made for [E]walking, and [G]that's just what they'll [E]do. G E N.C. one of these days these boots are gonna walk all over (you).

neg: Music video In 1966, Nancy Sinatra filmed a music video for her song These Boots Are Made for Walkin'. In June 1968, Elvis Presley recorded music videos again, in recording studios, in order to promote their new albums, making videos where famous stars If I Can Dream and Trouble/Guitar Man.

neg: A Handmade, Stylish Cowboy Boot for Less Than $250 Tecovas boots are made in  León, Mexico, by craftsmen at a factory that specializes in classic boot construction. Over 200 steps go into making a pair of boots, from hand sewing the shaft to hand-pegging the soles.

neg: Definition of âbootâ - English Dictionary A1 [ C ] a type of shoe that covers the whole foot and the lower part of the leg: walking boots. riding boots. More examples. He lent down and struck a match on the sole of his boot. I'm going to christen my new walking boots on Saturday. There were big clumps of soil on his boots.

neg: Order My Steps lyrics Order my steps in Your word dear Lord, Lead me, guide me everyday, Send Your anointing, Father I pray. Lyrics taken from http://www.lyricsmode.com/lyrics/b/brooklyn_tabernacle_choir/order_my_steps.html.t means the steps of a good man are ordered by The Lord. When we trust God and walk worthy of our calling, God will teach us they his Word. Leading us every step of the way. Teaching us how to live a righteous life, how to walk and talk right giving God all the praises.

neg: Guide to Best Walking Boots for Foot and Ankle Injuries The purpose of a walking boot in treating plantar fasciitis / heel pain is to reduce tension on the plantar fascia so that the fascia can rest and heal. For many patients it is the only thing that provides enough protection for the area to heal and still allows the person to walk around.

neg: These Boots Are Made for Walkin' British singer-songwriter Geri Halliwell recorded her own version of These Boots Are Made for Walkin' for the soundtrack to the film Rugrats in Paris: The Movie.The song was released on February 1, 2000 to promote previously the film.ritish singer-songwriter Geri Halliwell recorded her own version of These Boots Are Made for Walkin' for the soundtrack to the film Rugrats in Paris: The Movie.

neg: Nancy Sinatra - These Boots Are Made for Walkin' These Boots Are Made for Walkin' is a pop song musically composed by Lee Hazlewood and first written and recorded by Nancy Sinatra. It was released in February 1966 and hit #1 in the United States and United Kingdom Pop charts.

neg: - Designed to help sharpen the step and bring the hoof off the ground. The bell boot has a double wall construction with a double-locking Velcro® closure. The boots are supplied with a 5oz. lead bar weight.

neg: Rubber boots Characteristics Edit. With these old wading boots, you can walk on puddles of toxic waste safely until they melt. They do nothing to insulate you from electrically charged floors however.ith these old wading boots, you can walk on puddles of toxic waste safely until they melt. They do nothing to insulate you from electrically charged floors however.


query: how to calculate texas ratio

pos: How to Calculate the Texas Ratio For the Texas Ratio calculation, a bank's available capital is the sum total of its equity capital and its loan loss reserves. Equity capital is essentially the book value of the bank -- its total assets minus its liabilities.

neg: - Calculate the debt-to-equity ratio. Find this ratio by dividing total debt by total equity. Start with the parts that you identified in Step 1 and plug them into this formula: Debt to Equity Ratio = Total Debt ÷ Total Equity.The result is the debt-to-equity ratio.1  For example, suppose a company has $300,000 of long-term interest bearing debt. 2  The company also has $1,000,000 of total equity. 3  This company would have a debt to equity ratio of 0.3 (300,000 / 1,000,000), meaning that total debt is 30% of total equity.alculate the debt-to-equity ratio. Find this ratio by dividing total debt by total equity. Start with the parts that you identified in Step 1 and plug them into this formula: Debt to Equity Ratio = Total Debt ÷ Total Equity.

neg: Debt Ratios: Interest Coverage Ratio The interest coverage ratio is calculated by dividing a company's earnings before interest and taxes (EBIT) for one period by the company's interest expenses for the same period. It is calculated as follows: Investopedia explains Interest Coverage Ratio. The lower the ratio is, the more a company is burdened by its debt expense. When a company's interest coverage ratio is 1.5 or less, its ability to meet its interest expenses may be questionable.

neg: What is the 'Price-Earnings Ratio - P/E Ratio' The price-earnings ratio can be calculated as: Market Value per Share / Earnings per Share. For example, suppose that a company is currently trading at $43 a share and its earnings over the last 12 months were $1.95 per share. The P/E ratio for the stock could then be calculated as 43/1.95, or 22.05. EPS is most often derived from the last four quarters.

neg: How to Calculate Ratios and Proportions in Math In this case, use hours. Write the expression as 48:12, then divide the first number by the second to get the ratio of 4:1, or 4 to 1. For another example, calculate the ratio between seven days and two weeks. There are 14 days in two weeks, so the ratio can be expressed as 7:14 and reduced to 1:2, or 1 to 2.

neg: - TIME RATIO If you are filling out a part-year Georgia income tax return, you may select the optional time ratio for determining the portion of your personal exemptions and deductions to be subtracted to determine your Georgia taxable income.NCOME RATIO This is the default way of calculating the personal exemption amount and deduction amount (either itemized or standard deductions) for part-year Georgia income tax returns. If your gross income last year was $50,000 and $20,000 was earned in Georgia, your Georgia income ratio was 40%.

neg: Concentration Ratio of Firms Concentration Ratio. The concentration ratio of a market is calculated by summing the sales (or revenues/receipts) of the top firms, dividing that sum by the total sales of the market and multiplying the fraction by 100.

neg: - Calculate the gross margin ratio of the company. Gross margin ratio = ($744,200 − $503,890) / $744,200 ≈ 0.32 or 32%. Example 2: Calculate gross margin ratio of a company whose cost of goods sold and gross profit for the period are $8,754,000 and $2,423,000 respectively. Since the revenue figure is not provided, we need to calculate it first: Revenue = Gross Profit + Cost of Goods Sold.

neg: Cholesterol/HDL Ratio The total cholesterol to HDL ratio is determined by dividing the total cholesterol by the HDL cholesterol. For most people, the goal is to keep this ratio below 5:1, with the ideal being below 3.5:1. It should be noted that research scientists and doctors are divided on the effectiveness of using cholesterol ratios (including the total cholesterol/HDL ratio) to predict the chances of developing heart disease.

neg: How to Calculate the Texas Ratio How to Calculate the Texas Ratio by Cam Merritt ; Updated July 27, 2017 The so-called Texas Ratio measures the financial health of a bank, credit union or similar institution by comparing its potential losses from bad assets to the total amount of capital it has available.

neg: - Divide the percent dividend yield by 100 to calculate the dividend yield ratio. As an example, if stock ABC's dividend yield is currently 2.5 percent, divide 2.5 by 100 to calculate the dividend yield ratio of 0.025.

neg: Texas Ratio All of the inputs needed for the Texas ratio are reported to the Federal Deposit Insurance Corporation (FDIC) by member banks on a quarterly basis. Every quarter, the FDIC discloses the number of banks on its problem banks list.. The FDIC doesn't release the names on its list, it only says how many banks are on it. But it's widely believed that some version of the Texas ratio forms the basis for the FDIC's list. Click here to see InvestingAnswers' list of The 359 Safest Banks in America. Or to learn how to use the Texas ratio to see if your bank is in trouble.

neg: - First, to use the FFT to calculate an autocorrelation, there are three steps: 1  transform the input signal, \$F_R(f) = \mathrm{FFT}(x[t])\$. 2  compute the power spectrum, \$S(f) = F_R(f) F_R^*(f)\$. 3  inverse transform to get the autocorrelation, \$R[\tau]=\mathrm{IFFT}(S(f))\$.

neg: Part to Part and Part to Whole Ratios For example if the ratio of men to women is 3 to 5, we know A=3 and B=5. From here we can calculate all three ratios (3/5, 3/8, and 5/8). You can also calculate all three ratios if given only one of the part-to-whole ratios.o calculate the amount of juice, we need the part-to-whole ratio of juice to punch. We are given the part-to-part ratio of seltzer to juice as 4 to 1. This ratio and the formulas provided above enable us to calculate the part-to-whole ratio of juice to punch as 1 to 5.

neg: Gas Oil Mixture Ratio Calculator (Calculations in either calculator will also supply the appropriate converted values for the other.) For 5 gallons of gas, with a 32:1 ratio, the amount of oil required is 20 US ounces (156.25 ml), 4 ounces per gallon of gas (31.25 ml per liter).

neg: Leverage Ratio Here is the formula for the debt-to-equity ratio : Debt-to-Equity Ratio = Total Debt/Total Equity. For example, if Company XYZ had $10 million of debt on its balance sheet and $10 million of total equity, then Company XYZ's debt ratio is:Debt-to-Equity Ratio = $10,000,000/$10,000,000 = 1.0 times or 100%. leverage ratio is meant to evaluate a company’s debt levels. The most common leverage ratios are the debt ratio and the debt-to-equity ratio.

neg: - Calculate the debt-to-equity ratio. Find this ratio by dividing total debt by total equity. Start with the parts that you identified in Step 1 and plug them into this formula: Debt to Equity Ratio = Total Debt ÷ Total Equity. The result is the debt-to-equity ratio. For example, suppose a company has $300,000 of long-term interest bearing debt.

neg: - How to use this calculator. You'll find the numbers you need to calculate your debt to assets ratio at the bottom of your company's latest balance sheet. 1  Fill in your company's total assets.  Fill in your total debt.

neg: How to calculate dependency ratio? There are 5 million children under 15 and 18 million between 15-64 the rest of the population is elderly/unemployed. DRO (dependency ratio) = no.of dependents: Number of working population. {formula: DRO= (%pop under15)+ (%pop over65). ____________________________________* 100.

neg: Leverage Ratios: Types & Formula To calculate the debt-to-equity ratio, we take total liabilities divided by total equity. If Computech has total liabilities of $17,500 and total equity of $9,500 ($17,500/$9,500), their debt-to-equity ratio is 1.84. The debt-to-equity ratio is a baseline ratio, meaning there is a minimum standard.

neg: Calculate Ratio in Excel Create the Ratio Formula. To calculate the ratio, the width will be divided by the height, and formatted as a fraction. A colon will replace the slash. To see the ratio, enter this formula in cell E4: =SUBSTITUTE(TEXT(B4/C4,#/######),/,:). The result is 4:3 -- the ratio for those screen dimensions.reate the Ratio Formula. To calculate the ratio, the width will be divided by the height, and formatted as a fraction. A colon will replace the slash. To see the ratio, enter this formula in cell E4: =SUBSTITUTE(TEXT(B4/C4,#/######),/,:). The result is 4:3 -- the ratio for those screen dimensions.

neg: EverydayInvestor  (< 20) According to Wikipedia, the Texas ratio is calculated by dividing the value of the lender's non-performing loans by the sum of its tangible equity capital and loan loss reserves.. I would amend that to include all non-performing assets, including REO. For most banks this would not change the ratio much. To illustrate I will now calculate the Texas Ratio of Silver State Bancorp (SSBX), a company that Floridabuilder has previously criticized. We will use the most recent 10Q which gives us the data from March 31, 2008.

neg: - Divide the small part by the large part to calculate the ratio of small to large. For example, if you paid $3,024 of income tax and your gross income was $51,259, then divide $3,024 by $51,259 to get 0.059. Multiply the result by 100 to make it a percentage. In this case, 0.059 times 100 is 5.9 percent.

neg: The Easiest Way to Calculate Your EBITDA Coverage Ratio You can do this in one of two ways: 1  Take your net income figure (on your income statement) and add back in interest and taxes (Net income + interest + taxes) 2  Subtract operating expenses from revenue (Revenue – operating expenses)

neg: Current ratio The current ratio measures the ability of an organization to pay its bills in the near-term. The ratio is used by analysts to determine whether they should invest in or lend money to an entity. To calculate the current ratio, divide the total of all current assets by the total of all current liabilities. The formula is:

neg: The Concentration Ratio and the Herfindahl Index Example: Concentration ratio. The beverage industry is composed of 5 firms with market shares as follows: Co A has 30% market share. Co B has 30% market share. Co C has 20% market share. Co D has 15% market share. Co E has 5% market share. Calculate the concentration ratio for the beverage industry. Answer: The three-firm concentration ratio fro the beverage industry is 80% (30% + 30% + 20%). Herfindahl Index. Another measure of concentration in an industry can be expressed using the Herfindahl index.


query: when was kyoto japan founded

pos: - Kyoto is Japan's third largest city and also one its oldest. It was originally founded as Heian in 794, and had its golden age during the court's heyday from 794 to 1185. Home to many cultural landmarks and historical sites, Kyoto is thought of as the heart of Japan.The city still bears the name Kyoto, or Capital City, even though the emperor and the National Diet are located in Tokyo.ome to many cultural landmarks and historical sites, Kyoto is thought of as the heart of Japan. The city still bears the name Kyoto, or Capital City, even though the emperor and the National Diet are located in Tokyo.

neg: Edo From the establishment of the Tokugawa bakufu headquarters at Edo, the town became the de facto capital and center of political power, although Kyoto remained the formal capital of the country. Edo grew from what had been a small, little-known fishing village in 1457 into the largest metropolis in the world with an estimated population of 1,000,000 by 1721.

neg: - In 2010, the city had a population of one million, and was one of Japan's 20 designated cities. The city was founded in 1600 by the daimyo Date Masamune, and is nicknamed the City of Trees (杜の都, Mori no Miyako) ; there are about 60 zelkova trees on Jōzenji Street (定禅寺通, Jōzenji dōri) and Aoba Street (青葉通, Aoba dōri) .endai was considered to be one of Japan's greenest cities, mostly because of its great numbers of trees and plants. Sendai became known as The City of Trees before the Meiji restoration, the feudal Sendai Domain encouraged residents to plant trees in their gardens.

neg: New Four Seasons Hotel Kyoto Now Accepting Reservations for Arrivals Beginning October 15, 2016 Four Seasons Hotel Kyoto is easily accessible through Osaka’s Kansai and Itami airports, and is just 2 hours and 20 minutes via bullet train from Tokyo. The Hotel is 7 minutes by car from Kyoto station in the historic Higashiyama District, close to downtown.

neg: - Waseda University. Waseda University (早稲田大学, Waseda Daigaku), abbreviated as Sōdai (早大), is a large, private university with a main campus located in Shinjuku, Tokyo, Japan. First established in 1882 as the Tōkyō Senmon Gakkō or Tōkyō College by Ōkuma Shigenobu, the school was formally renamed as Waseda University in 1902.

neg: Nara Trip: TÅdai-ji Temple's Great Buddha Hall, the Largest Wooden Building in the World One specific place we visited was Todaiji Temple ((東大寺, Great Eastern Temple), which was built in 752 (Nara period) as the head temple of all provincial Buddhist temples of Japan. It is a listed UNESCO World Heritage Site as one of the Historic Monuments of Ancient Nara.

neg: What does Kyoto mean in English? But, going from Tokyo to Kyoto is like going back in time. Kyoto is the old city, the old capital of a Japan of the past before the government in the form of the emperor moved to the east... to what was then Yedo or Edo, I suppose. Then Tokyo became Tokyo or the eastern capital.

neg: - Around the 5th century A.D., Chinese culture was introduced to Japan via the Korean peninsula, and Osaka became the center of politics and culture of Japan. In the 7th century, the first capital of Japan, modeled after the capital of China, was established in Osaka. Thereafter, though the capital was subsequently moved to nearby Nara and Kyoto, Osaka continued to flourish uninterruptedly, serving as the gateway of culture and trade.

neg: Tokyo Consequently, the capital city of Japan, Edo, began to grow during the Tokugawa into the great city that has become Tokyo today. By the 18th century, Edo was one of, or perhaps the largest city in the world, with a population approaching a million people.

neg: Emperor Jimmu He launched a military expedition from Hyuga near the Inland Sea, captured Yamato, and established this as his center of power. In modern Japan, Jimmu's accession is marked as National Foundation Day on February 11.

neg: - Also called Perry Convention (March 31, 1854), Japan's first treaty with a Western nation. Concluded by representatives of the United States and Japan at Kanagawa (now part of Yokohama), it marked the end of Japan's period of seclusion (1639-1854).

neg: Kyoto A must see is the Sagano Bamboo Grove. Byodoin Temple – Located in nearby Uji City, originally a villa converted into a temple, this is one of Japan’s top attractions. The Phoenix Hall is its most spectacular feature. Daigo-ji Temple – Founded in 874 this World Heritage site is one of Kyoto’s most beautiful.The main temple grounds are located at a foot of a mountain. Daikaku-ji Temple – Built in the 9th century as a villa for the emperor and later converted into a large temple.aigo-ji Temple – Founded in 874 this World Heritage site is one of Kyoto’s most beautiful. The main temple grounds are located at a foot of a mountain. Daikaku-ji Temple – Built in the 9th century as a villa for the emperor and later converted into a large temple.

neg: - If you have time, head over to the other side of the Rhine, where Duesseldorf düsseldorf pays tribute to its Large japanese community with a Beautiful Japanese garden and THE Eko (House Brueggener weg). 6, here’you ll find the Only Buddhist temple in all Of, europe as well as a traditional tearoom and A japanese culture. centernother must-see is Duesseldorf'düsseldorf S Market, square where you find the landmark of the: City the statue Of Elector Jan; wellem sitting high on his, horse The elector is set on the beautiful square right in front of The City, hall which was built between-1570. 1573

neg: - Home > Introduction to Osaka > History of Osaka. 1  It is known that humans have inhabited what is now called Osaka since more than 10,000 years ago. 2  In the 7th century, the first capital of Japan, modeled after the capital of China, was established in Osaka.

neg: Isamu Noguchi Isamu Noguchi. The Garden of Peace, UNESCO headquarters, Paris. Donated by the Government of Japan, this garden was designed by Isamu Noguchi in 1958 and installed by Japanese gardener Toemon Sano.

neg: The United States and the Opening to Japan, 1853 The United States and the Opening to Japan, 1853. On July 8, 1853, American Commodore Matthew Perry led his four ships into the harbor at Tokyo Bay, seeking to re-establish for the first time in over 200 years regular trade and discourse between Japan and the western world.

neg: What was the Treaty of Kanagawa? Answer by Ranger22. Confidence votes 24.4K. Also called Perry Convention (March 31, 1854), Japan's first treaty with a Western nation. Concluded by representatives of the United States and Japan at Kanagawa (now part of Yokohama), it marked the end of Japan's period of seclusion (1639-1854).

neg: Fast Facts: Japan Kyoto was the capital of Japan for more than 1,000 years, until the seat of government was moved to Tokyo in 1868. The city is still the center of religion and of traditional Japanese arts. Kyoto and its places of interest are described further in this encyclopedia.he Kanto Plain, situated in the eastern part of the island, is a major agricultural and industrial region and the site of the capital, Tokyo. Other chief cities of Honshu are Yokohama, Osaka, Nagoya, and Kyoto. Lake Biwa, Japan's largest lake, is located near Kyoto.

neg: - The type of ghee, in terms of animal source, tends to vary with the dish; for example, ghee prepared from cow's milk (Bengali: গাওয়া ঘী, gaoa ghi) is traditional with rice or roti or as a finishing drizzle atop a curry or daal (lentils) whereas buffalo-milk ghee is more typical for general cooking purposes.

neg: - Kyoto City on w central Honshu island, Japan; capital of Kyoto prefecture. Founded in the 6th century, it was the capital of Japan for more than 1000 years. Industries: porcelain, lacquerware, textiles, precision tools. Pop.(2000) 1,468,000.yoto (kyō´tō) , city (1990 pop. 1,461,140), capital of Kyoto prefecture, S Honshu, Japan, on the Kamo River. Yodo is its port. Kyoto is one of Japan's largest cities and an important cultural and spiritual center.

neg: Kyoto Protocol The Kyoto Protocol is an international agreement linked to the United Nations Framework Convention on Climate Change, which commits its Parties by setting internationally binding emission reduction targets. The Kyoto Protocol was adopted in Kyoto, Japan, on 11 December 1997 and entered into force on 16 February 2005.

neg: - Kyoto was Japan’s capital from 794 through 1868. After the emperor moved to Edo in 1868, the city was renamed Tokyo (Eastern Capital) and became Japan’s new capital. 3. Tokyo has more Michelin Guide stars than any other city in the world. Tokyo is the gourmet city of the world.

neg: 10 Things You May Not Know about Tokyo 2. Tokyo only became the capital of Japan in 1868. The Imperial Palace in Tokyo during the 1870s. The Japanese capital has been in many locations, including Nara, Osaka and Kyoto. Kyoto was Japan’s capital from 794 through 1868.

neg: Kashima Shrine Kashima Shrine - History. 1  According to records the shrine was established in the first year of Emperor Jimmu (神武天皇 Jimmu-tennō) in approximately 600BC.

neg: - Kansai region includes Kyoto, the most popular tourist destination of Japan. Kyoto was the former capital of Japan, and its history and culture, temples and shrines, and traditional buildings attract both domestic and international tourists. The autumn colors of Kyoto are absolutely amazing. Osaka, the second largest city of Japan is also located in Kinki, and has become the entry point for foreign tourists into Japan alongside Tokyo.

neg: - 1 Shozaburo Shimano establishes Shimano Iron Works ・・・In February 1921, he opened Shimano Iron Works in Higashi Minato in Sakai City when he was 26 years old. 2  On the site of a demolished celluloid factory, he rented a nearly 40-square-meter area. 3  The monthly rent was 5 yen.


query: what to write on a coworkers goodbye card

pos: Tipping and Your Tattoo Artist? â How Much Do YOU Tip? Bidding farewell to a Colleague. “ 1 Through the time we have worked together, I have come to learn what a wonderful person you are. “ 2 Now that you are leaving, it will get really quiet around here. “ 3 Thank you for being a good worker and a great friend. “ You have been an amazing colleague.

neg: - Dear Team, As I informed you all in the last meeting, I am moving on to a new challenging position in another company next week. My last working day is Friday, January 25th. Today I want to take the opportunity to thank you all for being a great team to work with all these years. Preferably, on the last day at work or the day before. 2  Once this Email goes out, quite possibly many of your colleagues would be coming over to say a personal adieu and you might also want some time to chat with them.

neg: What is proper sympathy gift from coworkers... updated with answer from Allexperts.c Page 1 of 2. agentpleakley <font color=blue>That would be a misuse of galatic Joined: May 8, 2007. Messages: 3,672. The most disturbing thing, IMHO, is collecting cash and giving it to the coworker whose relative has passed away. This is what my building is doing for our cleaning lady (this is what she asked for).

neg: - Talk to close friends in person. It's usually a little cold to email your close work friends to let them know that you're leaving. Unless it's not possible, try to say goodbye to them in person. You need to let your superiors know in person, or at least over the phone, in most cases.

neg: What to Write in Business Sympathy Cards Condolence Message Samples for Co-workers. Whether you consider a co-worker a colleague or a friend at work it is nice to send a hand-written sympathy card. It is sure to be appreciated and it might make you feel better as well. You do not have to say much, in fact it is best to keep the message brief.

neg: - Words of Condolence Letter for a Co-Worker. You can read the below example of a condolence letter for a co-worker that has passed away. Following the sample letter, we have provided a section-by-section breakdown with details on how to create your own words of condolence letter for a co-worker with a personal message.

neg: - PHEAA conducts its student loan servicing operations for federally-owned loans as FedLoan Servicing. Accessibility: The Department of Education is committed to providing electronic and information technologies that are accessible to individuals with disabilities by meeting or exceeding the requirements of Section 508 of the Rehabilitation Act (29 U.S.C 794d).

neg: Hereâs What To Write In Your Thank-You Note After A Job Interview “If you do send only an email, don’t just dash it off,” White says. You certainly do need to thank the person for their time, but take it a step further. “Reiterate how much you enjoyed the interview, that you love the sound of the job, and why you’ll be a good fit,” she adds. In other words, come out and say that you want the job.

neg: What to Write in a Farewell Card - Farewell Messages The way to write a good farewell card is to let the people leaving know that they will be missed and the time they shared with others will always be cherished. Make the message sound genuine and for you never know, you may never see that person again. Bidding farewell to a best friend.

neg: Funeral Thank-You Note Wording For sympathy cards and letters. If you receive a sympathy card, it is appropriate to send an acknowledgement card. If a personal note was included in the sympathy card, a brief note should be written inside the thank-you card. If you receive a longer sympathy letter, that should be acknowledged with a personal reply.

neg: - What to Write in Birthday Card for Coworker. Feb 15, 2014. Brandon Gaille. Mr. Gaille is one of the top business bloggers in the world, and is the CEO of the internet marketing agency Gaille Media (GailleMedia.com).

neg: - I don't know anything about this, but I'm sure my colleague here can help you. We're having a small drinks party for one of our colleagues who's leaving next week. Her work is highly esteemed by all her colleagues. Please read this memo carefully and hand it on to your colleagues.

neg: What to write in a farewell card What to write in a farewell card. 1  We've organized a Goodbye! party for you. The reason why you weren't invited is because it starts after you leave! 2  Life is full of great adventures and you're about to embark on a brand new one. Good luck from all of us!

neg: What Is Appropriate to Write in Going-Away-From-Work Card? If there was strife in the workplace, charges of discrimination or harassment, or if a person is being laid off, what you write in a card can come back to haunt you. Don’t let a written farewell turn into lawsuit fodder. Instead, keep comments simple: “Best of luck,” or, “Thank you for your contributions.”.

neg: How to Terminate an Employee without Breaking their Spirit 2. State the reason for the termination in one short sentence: “As you know, [ the reason for the termination.]”. 3. Say, “As a result, it is my duty to let you know that your employment with the company has been terminated as of today.” (Note: Use the past tense.

neg: - 30 Favorite Goodbye Quotes. If you can’t find the right words to express yourself when it’s time to say farewell, some of these goodbye quotes may be exactly what you need to convey your feelings suitably. You may consider writing them in a card, framing them, or if you’re the creative type, painting them on a canvas.

neg: you'll definitely want to ensure your 99Â¢ graduate thank you cards and free graduaiton wordings include the suggested etiquette guidelines The beginning should be something similar to, 'Dear [Name]'. An example of this type note for high school grads who are conveying their appreciation to their invited guest who attended their party or for a gift, the body can includes words like this: Thank you for attending my graduation ceremony party.

neg: Words of Condolence for Coworker Words of Condolence for Coworker. Dealing with death in the workplace is always difficult. Whether it's one of your coworkers ithat has died and you want to share sympathy with their loved ones; or a coworkers has lost a loved one and you struggle with what to say and do.

neg: Sympathy Card Messages to Coworker A co-worker needs all the love and care during the loss of a loved one, which you can select and send from the sympathy messages listed below: 1). Dear co-worker, through this beautiful card I extend my sympathies for the death of your cousin. I hope Lord gives you the strength to overcome the loss. 2). To my co-worker, extending my sympathies through this card for the loss of your mother. I hope you sail through this rough time with all the courage. 3). Through this card, I extend my deepest sympathies for the loss of your mother. I pray to the Lord to bless you with love and support during this time.

neg: What to Write in a Graduation Card What to Write in a Graduation Card. Whether you're celebrating a cute little kindergartner in a cap and gown or congratulating someone on their college degree, graduation is a milestone that deserves some major kudos!

neg: Graduation Card Messages Writing tips for Graduation Cards. 1  Know your audience. 2  Write out your message on scrap paper or the computer first so you can edit. 3  Write neatly to make it readable.  Occasions like graduation can call for using an exclamation point or 1  two. Personalize your card.  You don’t have to reinvent the wheel.

neg: Send The Perfect Post-Interview Thank You Note Leadership 2/22/2016 @ 10:35PM 745,139 views. Send The Perfect Post-Interview Thank You Note. It would be a shame for you to have a great job interview and then to lose the job to someone else only because you didn’t send a thank-you letter! You have to send a thank-you letter after every interview. You don’t have to send one after a phone interview, but you can send a polite thank-you email message instead, like this: Dear Samantha, Thanks for chatting with me on Thursday evening about the Database Administrator job at Angry Chocolates.

neg: What to write on a farewell card for someone you don't know well? 3 Answers 3. active oldest votes. up vote 14 down vote. In Japan, people change departments quite often, and each time you have to write a farewell message for the people who leave, so you get in to the habit of writing these sorts of cards. After seeing these things from hundreds of people (and having received them myself several times), the 'safest' pattern I see is:

neg: - What To Write On A Graduation Card. You can really write anything you like in a high school graduation card, but your wording should include some kind of a congratulatory note. Adding a bit of sound advice also wouldn’t hurt. Here are some high school graduation card messages that you can use to come up with wording of your own.

neg: How to write a two weeks notice letter [Your name, title]. Another example of how to write a two weeks notice letter—brief and to the point! Dear [Recipient's name]: This letter is to formally announce my resignation from [company name], starting today. My last day will be [two weeks from today].It has been a pleasure to work for [company name].Your name, title]. Another example of how to write a two weeks notice letter—brief and to the point! Dear [Recipient's name]: This letter is to formally announce my resignation from [company name], starting today. My last day will be [two weeks from today].

neg: Graduation Card Messages, Sayings, Wording for High School & College Grads What To Write On A Graduation Card. High School Graduation Card Messages. You can really write anything you like in a high school graduation card, but your wording should include some kind of a congratulatory note. Adding a bit of sound advice also wouldn’t hurt. Here are some high school graduation card messages that you can use to come up with wording of your own.


query: what is the us bond rating

pos: Financial Dictionary Municipal Bond Ratings. What is a Bond Rating. A bond rating performs the isolated function of credit risk evaluation. A bond rating does not constitute a recommendation to invest in a bond and does not take into consideration the risk preference of the investor. While many factors go into the investment decision making process, the bond rating is often the single most important factor affecting the interest cost on bonds.

neg: - Morningstar Risk Rating. The Morningstar risk rating is Morningstar's evaluation of a mutual fund's level of risk. The mutual fund ratings agency Morningstar ascribes a risk rating to each fund it covers. This rating is a comparative measure against the yield of the T-bill and examines the frequency of a fund's losses.

neg: Austrian German 1 Dialects of the Austro-Bavarian group, which also comprises the dialects of German Bavaria.  Central Austro-Bavarian (along the main rivers Isar and Danube, spoken in the northern parts of the State of Salzburg, Upper Austria, Lower Austria, and northern Burgenland)

neg: Beyond Distrust: How Americans View Their Government In several areas, Democrats and Republicans give the federal government similar ratings: Large majorities of both Democrats and Republicans say it does a good job of responding to natural disasters (82% and 78%, respectively) and setting fair and safe standards for workplaces (79% and 77%, respectively).

neg: Unit four: Structure and function of the Kingdom Plantae In the life cycle of a plant or alga undergoing alternation of generations, a meiotically produced haploid cell that divides mitotically, generating a multicellular individual, the gametophyte, without fusing with another cell. tap root. A single thick root that grown straight down.

neg: Bond credit rating Credit rating is a highly concentrated industry, with the two largest CRAs— Moody's Investors Service and Standard & Poor's (S&P)—controlling 80% of the global market share, and the Big Three credit rating agencies —Moody's, S&P, and Fitch Ratings —controlling approximately 95% of the ratings business.

neg: Default Rates of Municipal Bonds Average Cumulative Default Rates on Moody’s-rated Corporate Bonds 1970-2009. Overall, municipal bonds have a safety record second only to the US government. It is helpful to know the big picture in terms of past default rates. In the future, the default risk might be higher than in years past.

neg: Bond credit rating In investment, the bond credit rating represents the credit worthiness of corporate or government bonds. It is not the same as individual's credit score. The ratings are published by credit rating agencies and used by investment professionals to assess the likelihood the debt will be repaid. 1 Credit rating agencies.

neg: Are Municipal Bonds Currently A Good Investment? However, the absolute value of the benefit is not very high when interest rates are low. Only two years ago, at the beginning of 2011, one could buy a twenty year AA-rated municipal bond with a yield of 5.25 percent. Now, the yield on such a bond is only around 3.75 percent, down about a third.

neg: How credit rating agencies rate companies and countries A credit rating agency is a private company whose purpose is to assess the ability of borrowers, either governments or private enterprises, to repay their debt. To do this, these agencies issue credit ratings based on the borrower’s solvency. The three biggest global rating agencies control 95% of the market. They include Fitch Rating Ltd, Moody’s and Standard and Poor’s. Since 2011, these independent companies have had to obtain certification from the European Securities and Markets Authority (ESMA) in order to operate in Europe.

neg: Understanding Bond Ratings Each rating agency produces a ratings scale. You should understand what the ratings mean before you consider buying bonds. Generally speaking, the higher the bond’s rating, the lower the yield you are likely to receive.

neg: What is a rating agency? They are credit-rating agencies, which exist to assess the creditworthiness of bond issuers - companies or, as in this case, countries who borrow money by issuing IOUs known as bonds.

neg: Bloomberg Barclays US Agg Total Return Value Unhedged USD Bloomberg Barclays Indices A Bloomberg Professional service offering. US Aggregate Index 1. US Aggregate Index. The Bloomberg Barclays US Aggregate Bond Index is a broad-based flagship benchmark that measures the investment. grade, US dollar-denominated, fixed-rate taxable bond market. The index includes Treasuries, government-related and. corporate securities, MBS (agency fixed-rate and hybrid ARM pass-throughs), ABS and CMBS (agency and non-. agency).

neg: - An indication of a contractor’s credit rating. 2. The maximum amount of money a bonding company will extend in contract bonds to a building contractor.n indication of a contractor’s credit rating. 2. The maximum amount of money a bonding company will extend in contract bonds to a building contractor.

neg: evaluation bond rating-an evaluation by a rating company of the probability that a particular bond issue will default; the bonds of highest quality are said to have bond ratings of AAA.

neg: sovereign credit rating sovereign credit rating. A grading of a country's ability to meet its financial obligations. Credit rating agencies provide these ratings and investors use this to assess the level of risk related with investing in a country. The rating may also includes an evaluation of a country's political risk. http://www.businessdictionary.com/definition/sovereign-credit-rating.html.

neg: - Default rates are quite low for Moody's-rated municipal issuers. age annual default rate for all Moody's-rated municipal bond issuers - regardless of their rating level -- is 0.0043%. the investment grade sector, 0.0005%, but climb for the speculative-grade sector to 0.3914% (Exhibit 3).

neg: Rating Scales & Definitions GCR's Rating Symbols and Definitions Summary. A long term debt rating is an opinion of the relative credit risk of long term debt obligations. Long term debt ratings and definitions apply to both issuers and obligations (‘issues’).

neg: Junk Bonds: Everything You Need To Know Fallen Angels-This is a bond that was once investment grade but has since been reduced to junk-bond status because of the issuing company's poor credit quality. Rising Stars - The opposite of a fallen angel, this is a bond with a rating that has been increased because of the issuing company's improving credit quality. A rising star may still be a junk bond, but it's on its way to being investment quality.

neg: - Those companies rated below Baa3 or below BBB- are considered “speculative grade.” They have a higher risk of default and are classified as high-yield bonds, as are some types of non-rated bonds. The table below describes the rating assignments for both investment-grade and below-investment-grade debt.

neg: What is a 'Sovereign Credit Rating' Sovereign Credit Rating. A sovereign credit rating is the credit rating of a country or sovereign entity. Sovereign credit ratings give investors insight into the level of risk associated with investing in a particular country and also include political risks. At the request of the country, a credit rating agency will evaluate the country's economic and political environment to determine a representative credit rating.

neg: Bond credit rating Credit rating agencies. Credit rating is a highly concentrated industry with the two largest rating agencies — Moody's Investors Service, Standard & Poor's — having roughly 80% market share globally, and the Big Three credit rating agencies — Moody's, S&P and Fitch Ratings — controlling approximately 95% of the ratings business.

neg: - The average rating of the 20 bonds is roughly equivalent to Moody’s Investors Service’s (Moody’s) “Aa2” rating and Standard & Poor’s (S&P) “AA.” The index provides an estimate of the yield that would be offered on 20-year general obligation bonds. The index has been calculated weekly since 1946.EPTEMBER 2012 | MuniciPal Market indiceS, Yield curveS and BenchMarkS PAGE 4 MuniciPal SecuritieS ruleMaking Board The Municipal Bond Index levels are reported four ways: The index value, quoted in points and thirty-seconds, is derived from the average price of the components, adjusted to a standard six percent coupon.

neg: D&BÂ® Rating What is the D&B Rating? The D&B Rating is a system that measures a firm’s size and composite credit appraisal, based upon information from a company’s interim or fiscal balance sheet and an overall evaluation of the firm’s creditworthiness. The “5A” to “HH” Rating Classifications reflect a company’s size based upon net-worth or equity as computed by D&B.

neg: Bond (finance) 1 A government bond, also called Treasury bond, is issued by a national government and is not exposed to default risk. 2  It is characterized as the safest bond, with the lowest interest rate. 3  A treasury bond is backed by the “full faith and credit” of the relevant government.

neg: Schedule Rating Schedule Rating Definition - Schedule rating is the practice of either reducing or increasing a policyholder's premium based on certain conditions or... Schedule Rating Definition - Schedule rating is the practice of either reducing or increasing a policyholder's premium based on certain conditions or...