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Companys, procés a Catalunya Companys, procés a Catalunya (Spanish: Companys, proceso a Cataluña) is a 1979 Spanish Catalan drama film directed by Josep Maria Forn, based on the last months of the life of the President of Catalonia, Lluís Companys, in which he shows his detention by the Nazis and his subsequent execution by the Spanish Francoists. It competed in the Un Certain Regard section at the 1979 Cannes Film Festival.
The Walt Disney Company The Walt Disney Company, commonly known as Disney (), is an American multinational mass media and entertainment conglomerate headquartered at the Walt Disney Studios complex in Burbank, California.\nDisney was originally founded on October 16, 1923, by brothers Walt and Roy O. Disney as the Disney Brothers Cartoon Studio; it also operated under the names the Walt Disney Studio and Walt Disney Productions before changing its name to the Walt Disney Company in 1986.
Voltage Voltage, electric potential difference, electric pressure or electric tension is the difference in electric potential between two points, which (in a static electric field) is defined as the work needed per unit of charge to move a test charge between the two points. In the International System of Units, the derived unit for voltage (potential difference) is named volt.: 166  In SI units, work per unit charge is expressed as joules per coulomb, where 1 volt = 1 joule (of work) per 1 coulomb (of charge).
Asset–liability mismatch In finance, an asset–liability mismatch occurs when the financial terms of an institution's assets and liabilities do not correspond. Several types of mismatches are possible.
Differently (song) "Differently" is a song recorded by Australian pop singer, Cassie Davis. It is the second single taken off of Cassie's upcoming debut album of the same title.
Rate (mathematics) In mathematics, a rate is the ratio between two related quantities in different units. If the denominator of the ratio is expressed as a single unit of one of these quantities, and if it is assumed that this quantity can be changed systematically (i.e., is an independent variable), then the numerator of the ratio expresses the corresponding rate of change in the other (dependent) variable.
Nominal interest rate In finance and economics, the nominal interest rate or nominal rate of interest is either of two distinct things: \n\nthe rate of interest before adjustment for inflation (in contrast with the real interest rate); or,\nfor interest rates "as stated" without adjustment for the full effect of compounding (also referred to as the nominal annual rate). An interest rate is called nominal if the frequency of compounding (e.g.
Inflation An infection is the invasion of an organism's body tissues by pathogens, their multiplication, and the reaction of host tissues to the infectious agents and the toxins they produce. An infectious disease, also known as a transmissible disease or communicable disease, is an illness resulting from an infection.
Killing off The killing off of a character is a device in fiction, whereby a character dies, but the story continues. The term, frequently applied to television, film, video game, anime, manga and chronological series, often denotes an untimely or unexpected death motivated by factors beyond the storyline.
Payments bank Payments banks are new model of banks, conceptualised by the Reserve Bank of India (RBI), which cannot issue credit. These banks can accept a restricted deposit, which is currently limited to ₹200,000 per customer and may be increased further.
Privately held company A privately held company or private company is a company which does not offer or trade its company stock (shares) to the general public on the stock market exchanges, but rather the company's stock is offered, owned and traded or exchanged privately or over-the-counter. In the case of a close corporation, there are a relatively small number of shareholders or company members.
According to Bex According to Bex (originally titled Everything I Know About Men) is a British sitcom that aired on BBC One in 2005. Starring Jessica Stevenson (now known as Jessica Hynes), it was written by Katie Douglas, Julia Barron and Fred Barron, who also created My Family and After You've Gone.
The World According to Garp (film) The World According to Garp is a 1982 American comedy-drama film produced and directed by George Roy Hill and starring Robin Williams in the title role. Written by Steve Tesich, it is based on the 1978 novel The World According to Garp by John Irving.
Bit numbering In computing, bit numbering is the convention used to identify the bit positions in a binary number.\n\n\n== Bit significance and indexing ==\n\nIn computing, the least significant bit (LSB) is the bit position in a binary integer representing the binary 1s place of the integer.
Assumption-based planning Assumption-based planning in project management is a post-planning method that helps companies to deal with uncertainty. It is used to identify the most important assumptions in a company's business plans, to test these assumptions, and to accommodate unexpected outcomes.
Federal Reserve The Federal Reserve System (also known as the Federal Reserve or simply the Fed) is the central banking system of the United States of America. It was created on December 23, 1913, with the enactment of the Federal Reserve Act, after a series of financial panics (particularly the panic of 1907) led to the desire for central control of the monetary system in order to alleviate financial crises.
Social security in Australia Social security, in Australia, refers to a system of social welfare payments provided by Australian Government to eligible Australian citizens, permanent residents, and limited international visitors. These payments are almost always administered by Centrelink, a program of Services Australia.
Adverse childhood experiences Adverse childhood experiences (ACEs) encompass various forms of physical and emotional abuse, neglect, and household dysfunction experienced in childhood. ACEs have been linked to premature death as well as to various health conditions, including those of mental disorders.
Disparate impact Disparate impact in United States labor law refers to practices in employment, housing, and other areas that adversely affect one group of people of a protected characteristic more than another, even though rules applied by employers or landlords are formally neutral. Although the protected classes vary by statute, most federal civil rights laws protect based on race, color, religion, national origin, and sex as protected traits, and some laws include disability status and other traits as well.
Diem (digital currency) Diem (formerly known as Libra) was a permissioned blockchain-based stablecoin payment system proposed by the American social media company Meta Platforms. The plan also includes a private currency implemented as a cryptocurrency.
Money transmitter In the legal code of the United States, a money transmitter or money transfer service is a business entity that provides money transfer services or payment instruments. Money transmitters in the US are part of a larger group of entities called money service businesses or MSBs.
Concentrated solar power Concentrated solar power (CSP, also known as concentrating solar power, concentrated solar thermal) systems generate solar power by using mirrors or lenses to concentrate a large area of sunlight onto a receiver. Electricity is generated when the concentrated light is converted to heat (solar thermal energy), which drives a heat engine (usually a steam turbine) connected to an electrical power generator or powers a thermochemical reaction.CSP had a global total installed capacity of 5,500 MW in 2018, up from 354 MW in 2005.
Nitric acid Nitric acid is the inorganic compound with the formula HNO3. It is a highly corrosive mineral acid.
Concentrated poverty Concentrated poverty concerns the spatial distribution of socio-economic deprivation, specifically focusing on the density of poor populations. Within the United States, common usage of the term concentrated poverty is observed in the fields of policy and scholarship referencing areas of "extreme" or "high-poverty." These are defined by the US census as areas where "40 percent of the tract population [lives] below the federal poverty threshold." A large body of literature argues that areas of concentrated poverty place additional burdens on poor families residing within them, burdens beyond what these families' individual circumstances would dictate.
Boston Boston (US: , UK: ), officially the City of Boston, is the capital and most populous city of the Commonwealth of Massachusetts in the United States and 24th-most populous city in the country. The city proper covers about 48.4 sq mi (125 km2) with a population of 675,647 in 2020, also making it the most populous city in New England.
Economy of India The economy of India is a middle income developing market economy. It is the world's fifth-largest economy by nominal GDP and the third-largest by purchasing power parity (PPP).
Future interest In property law and real estate, a future interest is a legal right to property ownership that does not include the right to present possession or enjoyment of the property. Future interests are created on the formation of a defeasible estate; that is, an estate with a condition or event triggering transfer of possessory ownership.
Human impact on the environment Human (or anthropogenic) impact on the environment refers to changes to biophysical environments and to ecosystems, biodiversity, and natural resources caused directly or indirectly by humans. Modifying the environment to fit the needs of society is causing severe effects including global warming, environmental degradation (such as ocean acidification), mass extinction and biodiversity loss, ecological crisis, and ecological collapse.
Supervisory control Supervisory control is a general term for control of many individual controllers or control loops, such as within a distributed control system. It refers to a high level of overall monitoring of individual process controllers, which is not necessary for the operation of each controller, but gives the operator an overall plant process view, and allows integration of operation between controllers.
Central Bank of Iran The Central Bank of Iran (CBI), also known as Bank Markazi, officially the Central Bank of the Islamic Republic of Iran (Persian: بانک مرکزی جمهوری اسلامی ايران, romanized: Bank Markazi-ye Jomhuri-ye Eslāmi-ye Irān; SWIFT Code: BMJIIRTH) is the central bank of Iran.\nEstablished under the Iranian Banking and Monetary Act in 1960, it serves as the banker to the Iranian government and has the exclusive right of issuing banknote and coinage.
Media market A media market, broadcast market, media region, designated market area (DMA), television market area, or simply market is a region where the population can receive the same (or similar) television and radio station offerings, and may also include other types of media such as newspapers and internet content. They can coincide or overlap with one or more metropolitan areas, though rural regions with few significant population centers can also be designated as markets.
Most favoured nation In international economic relations and international politics, most favoured nation (MFN) is a status or level of treatment accorded by one state to another in international trade. The term means the country which is the recipient of this treatment must nominally receive equal trade advantages as the "most favoured nation" by the country granting such treatment (trade advantages include low tariffs or high import quotas).
Swimsuit competition A swimsuit competition, more commonly now called a bikini contest, is a beauty contest which is judged and ranked while contestants wear a swimsuit, typically a bikini. One of the judging criteria is the physical attractiveness of the contestants.
Priority sector lending Priority sector lending is lending to those sectors of the economy which may not otherwise receive timely and adequate credit. This role is assigned by the Reserve Bank of India to the banks for providing a specified portion of the bank lending to few specific sectors like agriculture and allied activities, micro- and small enterprises, education, housing for the poor, and other low-income groups and weaker sections.
Hogwarts staff The following fictional characters are staff members and denizens of Hogwarts in the Harry Potter books written by J. K. Rowling.\n\n\n== The staff and their positions ==\n\n\n== Teachers and staff members ==\nThe following teachers and staff members do not have their own articles or are not listed in other articles.
Non-compete clause In contract law, a non-compete clause (often NCC), restrictive covenant, or covenant not to compete (CNC), is a clause under which one party (usually an employee) agrees not to enter into or start a similar profession or trade in competition against another party (usually the employer). Some courts refer to these as "restrictive covenants".
Division (business) A division of a business, sometimes called a business sector or business unit (segment), is one of the parts into which a business, organization or company is divided.\n\n\n== Overview ==\nDivisions are distinct parts of a business.
Risk Factors
LSB CORP ITEM 1A RISK FACTORS Changes in interest rates could adversely impact the Company’s financial condition and results of operations
The Company’s ability to make a profit, like that of most financial institutions, substantially depends upon its net interest income, which is the difference between the interest income earned on interest earning assets, such as loans and investment securities, and the interest expense paid on interest-bearing liabilities, such as deposits and borrowings
However, certain assets and liabilities may react 7 _________________________________________________________________ [37]Table of Contents differently to changes in market interest rates
Further, interest rates on some types of assets and liabilities may fluctuate prior to changes in broader market interest rates, while rates on other types of assets may lag behind
Additionally, some assets such as adjustable-rate mortgages have features and rate caps which restrict changes in their interest rates
Factors such as inflation, recession, unemployment, fluctuations in the money supply, global disorder such as that experienced as a result of the terrorist activity on September 11, 2001, instability in domestic and foreign financial markets, and other factors beyond the Company’s control may affect interest rates
Changes in market interest rates will also affect the level of voluntary prepayments on loans and the receipt of payments on mortgage-backed securities, resulting in the receipt of proceeds that may have to be reinvested at a lower rate than the loan or mortgage-backed security being prepaid
Although the Company pursues an asset-liability management strategy designed to control its risk from changes in market interest rates, changes in interest rates can still have a material adverse effect on the Company’s profitability
If the Company has higher loan losses than it has allowed for, its earnings could materially decrease
The Company’s loan customers may not repay loans according to their terms, and the collateral securing the payment of loans may be insufficient to assure repayment
The Company may therefore experience significant credit losses which could have a material adverse effect on its operating results
The Company makes various assumptions and judgments about the collectibility of its loan portfolio, including the creditworthiness of borrowers and the value of the real estate and other assets serving as collateral for the repayment of loans
In determining the size of the allowance for loan losses, the Company relies on its experience and its evaluation of economic conditions
If its assumptions prove to be incorrect, its current allowance for loan losses may not be sufficient to cover losses inherent in its loan portfolio and adjustment may be necessary to allow for different economic conditions or adverse developments in its loan portfolio
Consequently, a problem with one or more loans could require the Company to significantly increase the level of its provision for loan losses
In addition, federal and state regulators periodically review the Company’s allowance for loan losses and may require it to increase its provision for loan losses or recognize further loan charge-offs
Material additions to the allowance would materially reduce the Company’s net income
A significant amount of the Company’s loans are concentrated in northeastern Massachusetts and southern New Hampshire, and adverse conditions in this area could negatively impact its operations
Substantially all of the loans the Company originates are secured by properties located in or are made to businesses which operate in northeastern Massachusetts or southern New Hampshire
Because of the current concentration of the Company’s loan origination activities in northeastern Massachusetts and southern New Hampshire, in the event of adverse economic conditions, potential downward pressure on housing prices, political or business developments or natural hazards that may affect northeastern Massachusetts or southern New Hampshire and the ability of property owners and businesses in that area to make payments of principal and interest on the underlying loans, the Company would likely experience higher rates of loss and delinquency on its loans than if its loans were more geographically diversified, which could have an adverse effect on its results of operations or financial condition
The Company operates in a highly regulated environment and may be adversely impacted by changes in law and regulations
The Company is subject to extensive regulation, supervision and examination
See Supervision and Regulation in Item 1 hereof, Business
Any change in the laws or regulations or failure by the Company to comply with applicable law and regulation, or change in regulatorssupervisory policies or examination procedures, whether by the Division, the FDIC, the FRB, other state or federal regulators, the United States Congress, or the Massachusetts legislature could have a material adverse effect on the Company’s business, financial condition, results of operations, and cash flows
The Company has strong competition within its market area which may limit the Company’s growth and profitability
The Company faces significant competition both in attracting deposits and in the origination of loans
Commercial banks, credit unions, savings banks and savings and loan associations operating in our primary market area have historically provided most of our competition for deposits
Competition for the origination of real estate and other loans come from other commercial, savings and cooperative banks, thrift institutions, insurance companies, finance companies, other institutional lenders and mortgage companies
The success of the Company is dependent on hiring and retaining certain key personnel
The Company’s performance is largely dependent on the talents and efforts of highly skilled individuals
The Company relies on key personnel to manage and operate its business, including major revenue generating functions such as loan and deposit generation
The loss of key staff may adversely affect the Company’s ability to maintain and manage these functions effectively, which could negatively affect the Company’s revenues
In addition, loss of key personnel could result in increased recruiting and hiring expenses, which could cause a decrease in the Company’s net income
The Company’s continued ability to compete effectively depends on its ability to attract new employees and to retain and motivate its existing employees
The Company relies on dividends from the Bank for substantially all of its revenue
The Company is a separate and distinct legal entity from the Bank
It receives substantially all of its revenue from dividends paid by the Bank
These dividends are the principal source of funds used to pay dividends on the Company’s common stock
Various federal and state laws and regulations limit the amount of dividends that the Bank may pay to the Company
If the Bank is unable to pay dividends to the Company, then the Company will be unable to pay its obligations or pay dividends on the Company’s common stock
The inability to receive dividends from the Bank could have a material adverse effect on the Company’s business, financial condition and results of operations