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Wiki Wiki Summary
Secrets of a Successful Marriage "Secrets of a Successful Marriage" is the twenty-second and final episode of the fifth season of the American animated television series The Simpsons. It originally aired on the Fox network in the United States on May 19, 1994.
Airport and airline management Airline and airport management is the administration of airports and airlines. It includes the activities of setting the strategy of airports to gather and provide information on airline commercial and operational priorities.
Tops Friendly Markets Tops Friendly Markets is an American supermarket chain based in Amherst, New York, that operates stores in Upstate New York, Vermont, and Northern Pennsylvania. The chain operates full-scale supermarkets.
Strength Through Joy NC Gemeinschaft Kraft durch Freude (KdF; German for 'Strength Through Joy') was a German state-operated leisure organization in Nazi Germany. It was part of the German Labour Front (German: Deutsche Arbeitsfront), the national labour organization at that time.
Financial endowment A financial endowment is a legal structure for managing, and in many cases indefinitely perpetuating, a pool of financial, real estate, or other investments for a specific purpose according to the will of its founders and donors. Endowments are often structured so that the inflation-adjusted principal or "corpus" value is kept intact, while a portion of the fund can be (and in some cases must be) spent each year, utilizing a prudent spending policy.
Nikhil Rathi Nikhil Rathi (born 5 August 1979) is the chief executive of the UK's Financial Conduct Authority (FCA).\n\n\n== Early life ==\nRathi is of Indian descent, and grew up in Barrow-in-Furness, Cumbria, the son of Madhu and Dr Rajendra Rathi, a local magistrate, having moved there aged three.
Investment management Investment management is the professional asset management of various securities, including shareholdings, bonds, and other assets, such as real estate, to meet specified investment goals for the benefit of investors. Investors may be institutions, such as insurance companies, pension funds, corporations, charities, educational establishments, or private investors, either directly via investment contracts or, more commonly, via collective investment schemes like mutual funds, exchange-traded funds, or REITs.
Financial centre A financial centre (BE), financial center (AE), or financial hub, is a location with a concentration of participants in banking, asset management, insurance or financial markets with venues and supporting services for these activities to take place. Participants can include financial intermediaries (such as banks and brokers), institutional investors (such as investment managers, pension funds, insurers, hedge funds), and issuers (such as companies and governments).
Dirichlet conditions In mathematics, the Dirichlet conditions are sufficient conditions for a real-valued, periodic function f to be equal to the sum of its Fourier series at each point where f is continuous. Moreover, the behavior of the Fourier series at points of discontinuity is determined as well (it is the midpoint of the values of the discontinuity).
Impact event An impact event is a collision between astronomical objects causing measurable effects. Impact events have physical consequences and have been found to regularly occur in planetary systems, though the most frequent involve asteroids, comets or meteoroids and have minimal effect.
Goods and services Goods are items that are usually (but not always) tangible, such as pens, physical books, salt, apples, and hats. Services are activities provided by other people, who include doctors, lawn care workers, dentists, barbers, waiters, or online servers, a digital book, a digital video game or a digital movie.
Author-level metrics Author-level metrics are citation metrics that measure the bibliometric impact of individual authors, researchers, academics, and scholars. Many metrics have been developed that take into account varying numbers of factors (from only considering the total number of citations, to looking at their distribution across papers or journals using statistical or graph-theoretic principles).
Go-around In aviation, a go-around is an aborted landing of an aircraft that is on final approach or has already touched down. A go-around can either be initiated by the pilot flying or requested by air traffic control for various reasons, such as an unstabilized approach or an obstruction on the runway.
Significant other The term significant other (SO) has different uses in psychology and in colloquial language. Colloquially "significant other" is used as a gender-neutral term for a person's partner in an intimate relationship without disclosing or presuming anything about marital status, relationship status, gender identity, or sexual orientation.
Covariant derivative In mathematics, the covariant derivative is a way of specifying a derivative along tangent vectors of a manifold. Alternatively, the covariant derivative is a way of introducing and working with a connection on a manifold by means of a differential operator, to be contrasted with the approach given by a principal connection on the frame bundle – see affine connection.
False discovery rate In statistics, the false discovery rate (FDR) is a method of conceptualizing the rate of type I errors in null hypothesis testing when conducting multiple comparisons. FDR-controlling procedures are designed to control the FDR, which is the expected proportion of "discoveries" (rejected null hypotheses) that are false (incorrect rejections of the null).
Non-functional requirement In systems engineering and requirements engineering, a non-functional requirement (NFR) is a requirement that specifies criteria that can be used to judge the operation of a system, rather than specific behaviours. They are contrasted with functional requirements that define specific behavior or functions.
Root Assumptions Root Assumptions is a solo percussion album by Jerome Cooper. It was recorded in April 1978 in New York City, and was released by Anima Productions in 1982.
London congestion charge The London congestion charge is a fee charged on most cars and motor vehicles being driven within the Congestion Charge Zone (CCZ) in Central London between 7:00 am and 10:00 pm Monday through Friday, and between 12:00 noon and 6:00 pm Saturday and Sunday.Inspired by Singapore's Electronic Road Pricing (ERP) system after London officials had travelled to the country, the charge was first introduced on 17 February 2003. The London charge zone is one of the largest congestion charge zones in the world, despite the removal of the Western Extension which operated between February 2007 and January 2011.
Aggressive periodontitis Aggressive periodontitis describes a type of periodontal disease and includes two of the seven classifications of periodontitis as defined by the 1999 classification system:\nLocalized aggressive periodontitis (LAP)\nGeneralized aggressive periodontitis (GAP)LAP is localised to first molar or incisor interproximal attachment loss, whereas GAP is the interproximal attachment loss affecting at least three permanent teeth other than incisors and first molar. The prevalence of LAP is less than 1% and that of GAP is 0.13%.
Foundation series The Foundation series is a science fiction book series written by American author Isaac Asimov. First published as a series of short stories in 1942–50, and subsequently in three collections in 1951–53, for thirty years the series was a trilogy: Foundation; Foundation and Empire; and Second Foundation.
Strategic studies Strategic studies is an interdisciplinary academic field centered on the study of conflict and peace strategies, often devoting special attention to the relationship between international politics, geostrategy, international diplomacy, international economics, and military power. In the scope of the studies are also subjects such as the role of intelligence, diplomacy, and international cooperation for security and defense.
Limitations (novel) Limitations is a novel by Scott Turow which was published in 2006. It is by far his shortest novel (197 pages) and prior to publication as a novel was released as a serial story in the Sunday New York Times Magazine.
Biomedical engineering Biomedical engineering (BME) or medical engineering is the application of engineering principles and design concepts to medicine and biology for healthcare purposes (e.g., diagnostic or therapeutic). BME is also traditionally known as "bioengineering", but this term has come to also refer to biological engineering.
Latin Extended Additional Latin Extended Additional is a Unicode block.\nThe characters in this block are mostly precomposed combinations of Latin letters with one or more general diacritical marks.
Concealed carry in the United States Concealed carry, or carrying a concealed weapon (CCW), is the practice of carrying a weapon (such as a handgun) in public in a concealed manner, either on one's person or in close proximity. CCW is often practiced as a means of self-defense.
Further Austria Further Austria, Outer Austria or Anterior Austria (German: Vorderösterreich, formerly die Vorlande (pl.)) was the collective name for the early (and later) possessions of the House of Habsburg in the former Swabian stem duchy of south-western Germany, including territories in the Alsace region west of the Rhine and in Vorarlberg.\nWhile the territories of Further Austria west of the Rhine and south of Lake Constance (except Konstanz itself) were gradually lost to France and the Swiss Confederacy, those in Swabia and Vorarlberg remained under Habsburg control until the Napoleonic Era.
Corporate services Corporate services or business services are activities which combine or consolidate certain enterprise-wide needed support services, provided based on specialized knowledge, best practices, and technology to serve internal (and sometimes external) customers and business partners. The term corporate services providers (CSPs) is also used.
The Possibility of Evil "The Possibility of Evil" is a 1965 short story by Shirley Jackson. Published on December 18, 1965, in the Saturday Evening Post, a few months after her death, it won the 1966 Edgar Allan Poe Award for best mystery short story.
Environmental impact of agriculture The environmental impact of agriculture is the effect that different farming practices have on the ecosystems around them, and how those effects can be traced back to those practices. The environmental impact of agriculture varies widely based on practices employed by farmers and by the scale of practice.
Political party A political party is an organization that coordinates candidates to compete in a particular country's elections. It is common for the members of a party to hold similar ideas about politics, and parties may promote specific ideological or policy goals.
2022 North Rhine-Westphalia state election The 2022 North Rhine-Westphalia state election was held on 15 May 2022 to elect the 18th Landtag of North Rhine-Westphalia. The outgoing government was a coalition of the Christian Democratic Union (CDU) and Free Democratic Party (FDP) led by Minister-President Hendrik Wüst.
Surrogate key A surrogate key (or synthetic key, pseudokey, entity identifier, factless key, or technical key) in a database is a unique identifier for either an entity in the modeled world or an object in the database. The surrogate key is not derived from application data, unlike a natural (or business) key.
Round-robin tournament A round-robin tournament (or all-play-all tournament) is a competition in which each contestant meets every other participant, usually in turn. A round-robin contrasts with an elimination tournament, in which participants are eliminated after a certain number of losses.
Organization development Organization development (OD) is the study and implementation of practices, systems, and techniques that affect organizational change, the goal of which is to modify an organization's performance and/or culture. The organizational changes are typically initiated by the group's stakeholders.
Fibonacci heap In computer science, a Fibonacci heap is a data structure for priority queue operations, consisting of a collection of heap-ordered trees. It has a better amortized running time than many other priority queue data structures including the binary heap and binomial heap.
Consolidation (business) In business, consolidation or amalgamation is the merger and acquisition of many smaller companies into a few much larger ones. In the context of financial accounting, consolidation refers to the aggregation of financial statements of a group company as consolidated financial statements.
Risk Factors
BNCCORP INC Item 1A Risk Factors In addition to the other information contained in this report, the following risks may affect us
If any of these risks occur, our business, financial condition or operating results could be adversely affected
Failure to successfully execute our growth strategy can negatively impact our profitability
Our financial performance and profitability depends on our ability to execute our growth strategy
Future acquisitions, expansion into new markets and continued growth can present operating and other issues that could have an adverse effect on our business, financial condition and results of operations
Our financial performance will also depend on our ability to maintain profitable operations through implementation of our banking and financial services philosophies, including our efforts to leverage our existing client relationships
There can be no assurance that we will be able to execute our growth strategy or maintain any particular level of profitability
13 ______________________________________________________________________ Our strategy of increasing our efforts to expand our wealth management segment may be unsuccessful
We expect to devote significant managerial resources toward the continued development of our wealth management business
We also anticipate attracting financial professionals who may require high levels of compensation commensurate with their experience levels and existing client relationships
Our business strategy may not be successful, and we can provide no assurances that we can manage this expansion adequately or profitably
We may encounter unforeseen expenses, as well as difficulties and complications in integrating expanded operations and new employees without disruption to our overall operations
Regional presences and related economic conditions could adversely affect our operating results
Our focus in the Arizona, Minnesota and North Dakota regions could adversely affect our results of operations if economic and business conditions in any of these regions were to exhibit weaknesses
A prolonged decline in economic or business conditions in our market areas, in particular in those industries, in which we have credit concentrations, could have a material impact on the quality of our loan portfolio or the demand for our other products and services, which in turn may have a material adverse effect on our results of operations
Weakening in the national economy might further exacerbate local or regional economic conditions
The extent of the future impact of these events on economic and business conditions cannot be predicted
Changes in market interest rates can significantly impact our earnings and directly influence the performance of our banking and insurance segments
Changes in interest rates impact the demand for new loans, the credit profile of existing loans, the rates received on loans and investment securities, rates paid on deposits and borrowings and the value of our derivative contracts and their associated impact on earnings
The relationship between the interest income received on loans and investment securities and interest expense paid on deposits and borrowings is known as net interest income
The level of net interest income can fluctuate given changes in market interest rates
We measure interest rate risk under various rate scenarios and using specific criteria and assumptions
Although we believe our current level of interest rate sensitivity is reasonable and effectively managed, significant fluctuations in interest rates may have an adverse effect on our business, financial condition and results of operations
Interest rate movements directly affect insurance company investments in bonds and, as a result, the rates they subsequently charge for insurance policies
A rising interest rate environment increases investment returns for insurers and generally allows those insurers to compete more aggressively with lower insurance rates
During the past three years, interest rates have been at historical lows and, subsequently, insurance rates have been higher than in past periods
Over the next several years, interest rates could move up and lower insurance rates would be expected, which in turn would create lower premiums and commissions and affect our overall profitability
We cannot predict, with any degree of certainty, interest rate developments, and the resulting impact on insurance premiums and commissions, in future periods
Government regulation can result in limitations on our operations
The financial services industry is extensively regulated
Federal and state regulation is designed primarily to protect the deposit insurance funds and consumers, and not to benefit our stockholders
Such regulations can at times impose significant limitations on our operations
Additionally, these regulations are constantly evolving and may change significantly over time
Significant new laws, such as those issued in recent years, or changes in or repeal of existing laws may cause our results to differ materially
Further, federal monetary policy, particularly as implemented through the Federal Reserve System, significantly affects interest rate and credit conditions, which are material considerations for us
Competition from other financial services providers could adversely impact our results of operations
The banking and financial services business is highly competitive
We face competition in making loans, attracting deposits and providing insurance, brokerage, trust and other financial services
Increased competition in the banking and financial services businesses may reduce our market share, impair our growth or cause the prices we charge for our services to decline
Our results of operations may differ in future periods depending upon the level and nature of competition we encounter in our various market areas
14 ______________________________________________________________________ Failure to perform on behalf of borrowers, guarantors and related parties exposes us to risk of loss that can materially adversely affect our results of operations
We encounter significant sources of risk from the possibility that losses will be sustained if a significant number of our borrowers, guarantors or related parties fail to perform in accordance with the terms of their loans, commitments or letters of credit
We have adopted underwriting and credit monitoring procedures and credit policies, including the establishment and methodological review and analysis of the allowance for credit losses
We believe these processes and procedures are appropriate to minimize this risk by assessing the likelihood of nonperformance, tracking loan performance and diversifying our credit portfolio
These policies and procedures, however, may not prevent unexpected losses that could materially adversely affect our results of operations
Additionally, as noted earlier, the performance of borrowers, guarantors and related parties can be negatively impacted by prevailing economic conditions over which we have no control
Such negative impacts on these parties could also materially adversely affect our results of operations
Loss of key employees may disrupt relationships with certain customers
Our business is primarily relationship-driven in that many of our key employees have extensive customer relationships
Loss of a key employee with such customer relationships may lead to the loss of business if the customers were to follow that employee to a competitor
While we believe our relationship with our key producers is good, we cannot guarantee that all of our key personnel will remain with our organization
Impairment of goodwill or other intangible assets could require charges to earnings, which could result in a negative impact on our results of operations
Under current accounting standards, goodwill and certain other intangible assets with indeterminate lives are no longer amortized but, instead, are assessed for impairment periodically or when impairment indicators are present
Assessment of goodwill and such other intangible assets could result in circumstances where the applicable intangible asset is deemed to be impaired for accounting purposes
Under such circumstances, the intangible asset’s impairment would be reflected as a charge to earnings in the period during which such impairment is identified
Further information regarding intangible assets is presented in Note 8 to the Consolidated Financial Statements included under Item 8 of Part II