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Author : Great Britain. Parliament. House of Commons. Treasury Committee
Publisher : The Stationery Office
Page : 20 pages
File Size : 44,8 Mb
Release : 2015-02-05
Category : Banks and banking
ISBN : 9780215081384
Author : Great Britain. Parliament. House of Commons. Treasury Committee
Publisher : The Stationery Office
Page : 117 pages
File Size : 52,8 Mb
Release : 2015-03-16
Category : Electronic
ISBN : 9780215084101
Small and medium sized enterprises (SMEs) form a large part of the UK economy. According to official statistics, there were 5.243 million private sector businesses at the start of 2014. 5.236 million had 0-250 employees and are classed as SMEs, of which 5.204 million had fewer than 50 employees and are classed as small businesses. SMEs account for 60 per cent of all private sector employment, and registered an annual turnover of £1.6 trillion at the start of 2014-47 per cent of the private sector total. A large majority of SMEs are sole traders-76% of all businesses are non-employers. The Government believes that access to finance for SMEs is 'key to the recovery and long term growth of the economy'. Research by National Endowment for Science, Technology and the Arts (NESTA) in 2009 found that the '6 per cent of UK businesses generated half of the new jobs created by existing businesses between 2002 and 2008. This report offers a number conclusions and recommendations covering: the state of the SME lending market; RBS Global Restructuring Group (GRG); mis-sale of Hedging Products; and alternative finance
Author : Great Britain. Parliament. House of Commons. Treasury Committee
Publisher : The Stationery Office
Page : 87 pages
File Size : 47,7 Mb
Release : 2015-03-27
Category : Financial services industry
ISBN : 9780215084354
On the evening of 27 March 2014, the Daily Telegraph published an article on its website describing a forthcoming thematic review by the Financial Conduct Authority (FCA) into the life insurance market. The same story appeared in the print edition of the Telegraph the following day. The story, based on an advance briefing given by the FCA to the Telegraph earlier that week, gave a misleading impression of the scope of the life insurance review, and was published before the FCA had made any official announcement of its own. When the markets opened on 28 March, the share prices of several leading life insurers began to fall heavily. Only when the FCA published a clarifying statement about the scope of the review - several hours later that day - did share prices begin to recover. On the day following the publication of the Telegraph article, the Chairman of this Committee called for a "full and transparent explanation about how such an apparently serious mistake came to be made by our financial services watchdog--the body appointed by Parliament to enforce high standards of conduct". Simon Davis, Partner at Clifford Chance LLP, was subsequently appointed to conduct an investigation, and reported his findings in December 2014. The Committee records its thanks to Mr Davis for undertaking this work and for the evidence he gave to it.
Author : Great Britain. Parliament. House of Commons. Treasury Committee
Publisher : The Stationery Office
Page : 88 pages
File Size : 44,8 Mb
Release : 2015-02-16
Category : Electronic
ISBN : 9780215081537
The Treasury has again been unable to provide all the information needed by deadlines agreed with the OBR. The Government may, as the Chairman of the Office for Budget Responsibility suggested, have decided that for political reasons this was a "price worth paying." This would set an undesirable precedent. The work of the Office for Budget Responsibility depends on the Treasury meeting the agreed deadlines. The Committee welcomes the OBR's innovation of providing uncertainty ratings for policy costings. The Committee recommends in future that the OBR publish a breakdown of the uncertainty rating assessment against the three criteria for all announced measures at Autumn Statements and Budgets. The Committee also welcomes the Government's continued publication of the distributional analysis of the Government's policy changes and recommends that the next Government continue with this important aid to transparency. The current inflation target set by the Government is symmetrical, and is 2 per cent at all times. Several witnesses alluded to the risks of very low inflation and subsequent deflation, including the Chancellor. The Chancellor has publicly welcomed the current level of inflation. This is not likely to help anchor inflationary expectations. The Governor of the Bank of England is required to write to explain to the Chancellor why inflation has fallen below 1 per cent. It is important to avoid mixed messages on inflation targeting. The Bank of England should undertake research on the effect of net migration, and the potential for future net migration, on the supply of labour and wage growth as part of the work on meeting the MPC's remit. The Treasury should ensure that discussions within Government on immigration policy fully consider the requirements of the economy.
Author : Great Britain. Parliament. House of Commons. Treasury Committee
Publisher : The Stationery Office
Page : 24 pages
File Size : 40,6 Mb
Release : 2015-02-27
Category : Budget
ISBN : 9780215081711
On 17 October 2014, the European Commission informed HM Treasury that the UK would have to make an additional contribution to the EU budget of approximately 2.1 billion euro. This additional contribution had been prompted by revisions to EU Member States' historic Gross National Income (GNI) data, dating back to 1995. Member States make several annual contributions to the EU budget, by far the most significant being a levy on GNI. This levy is charged as a percentage rate on Member States' annual GNI, with the rate set at a level designed to cover exactly the portion of the EU Budget which remains unfunded once the other sources of income - namely Traditional Own Resources' and VAT-based resources - have been taken into account. The result is that an individual Member State contributes to this portion of the budget in proportion to its share of total GNI across all Member States. In 2013, GNI-based contributions amounted to 74 per cent of the EU's total budget. Emerging from the ECOFIN summit of 7 November 2014, the Chancellor claimed to have "halved the bill" of £1.7 billion demanded by the EU. He later described this as the result of "hard-fought negotiation" with the Commission to ensure that the consequential change to the UK's rebate would apply. The calculation of the rebate, and the circumstances in which it applies, are embedded in EU law. This is set out in detail in Council Decision 2007/436/EC and the supporting Council document on the UK correction. These documents establish the precise method for calculating the rebate. On the basis of the evidence the Committee has seen, it should have been unambiguously clear to the Treasury, well in advance of ECOFIN on 7 November 2014, that the UK was entitled to a rebate on any additional budget contributions that could arise from the GNI revisions.
Author : David J. Hafner
Publisher : IUCN
Page : 188 pages
File Size : 41,8 Mb
Release : 1998
Category : Nature
ISBN : 2831704634
The first comprehensive treatment of North American rodents of conservation concern. This action plan summarizes the rodent fauna of North America and provides available information on every rodent taxon that has been considered to be of conservation concern by state, provincial and private conservation agencies and regional experts. It is hoped that the survey provided in this action plan will serve as a common ground for all these parties in drawing up conservation strategies for rodents.
Author : American Psychiatric Association
Publisher : American Psychiatric Publishing
Page : 368 pages
File Size : 41,6 Mb
Release : 1996
Category : Medical
ISBN : 0890423067
The aim of the American Psychiatric Association Practice Guideline series is to improve patient care. Guidelines provide a comprehensive synthesis of all available information relevant to the clinical topic. Practice guidelines can be vehicles for educating psychiatrists, other medical and mental health professionals, and the general public about appropriate and inappropriate treatments. The series also will identify those areas in which critical information is lacking and in which research could be expected to improve clinical decisions. The Practice Guidelines are also designed to help those charged with overseeing the utilization and reimbursement of psychiatric services to develop more scientifically based and clinically sensitive criteria.
Author : Hymie Anisman
Publisher : SAGE
Page : 582 pages
File Size : 42,6 Mb
Release : 2021-04-07
Category : Psychology
ISBN : 9781529760064
Providing a thorough biopsychosocial approach, Health Psychology is your ideal companion to studying this subject. Exploring bio-social, developmental and lifestyle factors and how these relate to physical and psychological disturbances, this lively and approachable guide takes you through this key topic for psychology, health sciences, nursing and education students. Using case studies and up to date research, the author brings to life the important practical applications in this area, helping you to understand the varied ways the biological, physiological and social factors affect psychology and how effective interventions can influence the health of a population.
Author : Elisabeth Gareis
Publisher : Unknown
Page : 208 pages
File Size : 52,5 Mb
Release : 1995
Category : Civilization
ISBN : UOM:39076001627186
Elisabeth Gareis breaks new ground in her study of intercultural friendships. She probes the scantily researched subject of friendship to report on the nature of relations between foreigners and Americans in the United States. The approach is descriptive, using data derived from an extensive review of literature, questionnaires and in-depth interviews. Participants in the study were 15 unmarried graduate students from Germany, India, and Taiwan who had been in the U.S. for at least one year. From her study, Gareis concludes that cultural background is much less significant for the successful development of intercultural friendships than might be expected. The investigative results show that other factors play a more important role in developing strong intercultural friendships. These factors include: individual personality, level of confidence, the meaning attached to the concept of friendship, and general cultural expectations. As the only book of its kind to exist in the market, Intercultural Friendships will enlighten students and teachers of intercultural communication classes, counselors working with foreign students, and cross-cultural leaders. It will prove indispensable to foreign students in the U.S. and U.S. citizens working or studying abroad.
Author : Debra Thompson
Publisher : Cambridge University Press
Page : 329 pages
File Size : 50,9 Mb
Release : 2016-10-20
Category : Political Science
ISBN : 9781107130982
Invitation -- Orientation -- Transnational biological racialism -- The death and resurrection of race -- The multicultural moment -- The multiracial moment -- The future of counting by race -- Appendix A: List of interviews/archival sources
Author : American Psychiatric Association
Publisher : American Psychiatric Publishing
Page : 164 pages
File Size : 49,8 Mb
Release : 1997
Category : Schizophrenia
ISBN : 0890423091
The American Psychiatric Association (APA) is accredited by the Accreditation Council for Continuing Medical Education to sponsor continuing medical education for physicians.
Author : John E. Lesch
Publisher : Springer Science & Business Media
Page : 474 pages
File Size : 42,6 Mb
Release : 2013-04-17
Category : History
ISBN : 9789401593779
In the twentieth century, dyes, pharmaceuticals, photographic products, explosives, insecticides, fertilizers, synthetic rubber, fuels, and fibers, plastics, and other products have flowed out of the chemical industry and into the consumer economies, war machines, farms, and medical practices of industrial societies. The German chemical industry has been a major site for the development and application of the science-based technologies that gave rise to these products, and has had an important role as exemplar, stimulus, and competitor in the international chemical industry. This volume explores the German chemical industry's scientific and technological dimension, its international connections, and its development after 1945. The authors relate scientific and technological change in the industry to evolving German political and economic circumstances, including two world wars, the rise and fall of National Socialism, the post-war division of Germany, and the emergence of a global economy. This book will be of interest to historians of modern Germany, to historians of science and technology, and to business and economic historians.
Author : Alexander Drilon,Michael Postow,Lee Krug
Publisher : Lippincott Williams & Wilkins
Page : 536 pages
File Size : 40,8 Mb
Release : 2014-04-09
Category : Medical
ISBN : 9781469871783
Pocket Oncology, developed and edited by oncologists at Memorial Sloan-Kettering Cancer Center, is a simple, yet comprehensive, review of basic principles of cancer management. Prepared in the style and format of books in the popular Pocket Notebook series, Pocket Oncology is intended as a quick reference presented in easy to read bulleted text, and using diagrams and charts where appropriate. Each oncologic disease is presented on two facing pages that review initial clinical presentation, pathophysiology, staging, current standard of care treatments, and active areas of current research. Edited by Alexander Drilon and Michael Postow, the content of the book has been written by medical oncology fellows and each disease entity has been authoritatively reviewed by an oncologist with specific expertise in each subspecialty of oncology. Features: • simple, comprehensive, review of basic principles of oncology in easy to read bulleted text, using diagrams and charts where appropriate. • its small size makes it easy to carry the pocket of a lab coat for quick reference to information while in the hospital or oncology clinic. • perfect for medical students, residents, fellows, physician assistants, and nurses who perform daily oncologic care.
Author : G. Alexander Patterson
Publisher : Churchill Livingstone
Page : 0 pages
File Size : 41,7 Mb
Release : 2008
Category : Chest
ISBN : 0443068917
Published as two individual books in its previous editions, this acclaimed reference now comes to you as one comprehensive two-volume resource, covering the entire range of esophageal and thoracic surgery for adults and children. Sixty nine brand-new chapters and 92 new authors deliver state-of-the-art, clear how-to-do-it guidance on the latest surgical techniques for the treatment of lung infections, lung cancer, benign conditions, trauma, reflux, and more-so you can effectively manage every common and uncommon condition you encounter. A new full-color design presents outstanding visual guidance that shows you exactly how to proceed, and a logical organization throughout makes reference easy. As an Expert Consult title, this thoroughly updated 3rd edition comes with access to the complete contents online, fully searchable-enabling you to consult it rapidly from any computer with an Internet connection. Addresses all surgical diseases of the chest wall, chest cavity, upper airway, lungs, pleura, and diaphragm in adults and children, giving you the comprehensive coverage you need for the patients you see. Presents clinical commentary at the end of each chapter that offers you a variety of viewpoints regarding the pros, cons, and complications associated with the techniques used to treat a patient.
Author : Wyman W. Lai,Luc L. Mertens,Tal Geva,Meryl S. Cohen
Publisher : John Wiley & Sons
Page : 1618 pages
File Size : 55,7 Mb
Release : 2012-01-03
Category : Medical
ISBN : 9781118337257
Echocardiography is essential in the practice of pediatric cardiology. A clinical pediatric cardiologist is expected to be adept at the non-invasive diagnosis of congenital heart disease and those who plan to specialize in echocardiography will need to have knowledge of advanced techniques. Echocardiography in Pediatric and Congenital Heart Disease addresses the needs of trainees and practitioners in this field, filling a void caused by the lack of material in this fast-growing area. This new title comprehensively covers the echocardiographic assessment of congenital heart disease, from the fetus to the adult, plus acquired heart disease in children. Topics covered include: ultrasound physics laboratory set-up a protocol for a standard pediatric echocardiogram quantitative methods of echocardiographic evaluation, including assessment of diastolic function in depth coverage of congenital cardiovascular malformations acquired pediatric heart disease topics of special interest, such as 3D echocardiography, transesophageal echocardiography, and fetal echocardiography The approach of this book is a major advancement for educational materials in the field of pediatric cardiology, and greatly enhances the experience for the reader. An accompanying DVD with moving images of the subjects covered in the textbook will further enhance the learning experience.