a r t i c l e i n f o a b s t r a c t Does the unification of retail and investment banking necessarily heighten risk in financial markets? Using a simple two period intertemporal model with borrower's moral hazard and uninsured risk, we argue that the integration in financial service markets under universal banking could give rise to a greater risk sharing arrangement. This could eliminate the...

"Petty corruption and honesty in all health care systems" is the original title of one of the bioethics networks within the worldwide study projects of the International Association of Bioethics. As the coordinator of this network, it still puzzles me why the word "petty" is in the title when in the past few years-through interviews and questionnaires involving 18 countries-it has become eviden...

Background: Preparing a formal transaction document is one of the specific duties of notaries public, which requires the use and observance of various substantive and formal conditions. Failure to comply with any of these conditions can lead to the annulment of the document by the court and the responsibility to compensate the clerks. Compensation by the clerks in various articles such as Artic...

Today, students spend only 10 percent of their time in training centers and the major part of their time is spent in home, society and other places. However, significant events happen in this limited time. In addition to training and learning, they are prepared and educated to interact with society. Education is an important issue in global educating and training systems. There are different ap...