T he present paper investigates the impact of the financial crisis on the interaction between the lending rates, deposit rates and money market rates through the process of retail bank interest rate pass-through in the countries of the Euro area. Among our findings is the heterogeneity of bank rate adjustments across sectors, loans and deposits. That was mainly marked during the pre-...

The objective of this study is to systematically review academic works in the area multicultural education. Publications were gathered using Scopus database and a variety bibliometric variables. publishing mapping program VOS viewer was used analyzing collected data. There 501 publications on intercultural education that published between 1973 2021. results showed 2021, number varied. With addi...

In modern knowledge-based societies human capital is the single most important determinant of regional inequalities in productivity and standards living. Using a newly constructed data set that allows analysis educational attainments at different levels geography, this paper evaluates spatial degree convergence distribution across areas England Wales during second decade 21st century. Our resul...

Partial-duration maximum precipitation series from Historical Climatology Network stations are used as a basis for assessing trends in extreme-precipitation recurrence-interval amounts. Two types of time series are analyzed: running series in which the generalized extreme-value (GEV) distribution is fit to separate overlapping 30-yr data series and lengthening series in which more recent years ...

www.scor.com/SGLA Every day hundreds of term life policyholders receive 60-day notices of rate changes because their level premium guarantee is coming to an end. And the premium jumps can be jaw dropping – often 5 to 10 times the rate paid during the level period. In response, most policyholders lapse their contract when the level premium period ends or within a few months thereafter – the shoc...

The decrease in the incidence of MAS in the period of a decade has been attributed to the reduction in post-term delivery, aggressive management of abnormal heart rate monitoring, and decreased number of infants with a low Apgar score. [4]Elective induction of labour for pregnancies at or beyond 41 weeks has been shown to be associated with significant reduction in the incidence of MAS and fewe...

The decrease in the incidence of MAS in the period of a decade has been attributed to the reduction in post-term delivery, aggressive management of abnormal heart rate monitoring, and decreased number of infants with a low Apgar score. [4]Elective induction of labour for pregnancies at or beyond 41 weeks has been shown to be associated with significant reduction in the incidence of MAS and fewe...

There is a tendency to maintain and use simulation models, once implemented, over a period of several years. This article discusses a couple of reasons for this increase in the long term use of models. Two cases from the German car manufacturing company BMW Group are presented to illustrate the particular technical and organizational challenges related to the application of a simulation model f...

This study was an analytical research across 84 meteorological stations, performed in the Mighan sub-basin over a fifty-year study period (1961–2011).This research seeks to answer the basic question of how declining streamflow, increasing temperatures, and fluctuation in precipitation have impacted water resource allocation in the Mighan sub-basin. The research method is analytical based on Man...