You need to have a strong credit history and a good job in order to get a mortgage. |
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To his everlasting credit, he never once gave in to temptation. |
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The credit card company made an adjustment to my account to waive the late fee. |
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Instead of to the credit side of my account he had put the whole bag of tricks to my debit. |
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Susan beeped Jessica, and then Jessica called her back, because Susan didn't have enough credit on her phone to make the call. |
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One day, all of your bank and credit card transactions may be processed by Beowulf clusters. |
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Of all the bouncebackable players we've experienced in past years surely Alan Quinlan deserves most credit. |
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And so when Cassandra foretold the evils that were to come upon Troy, even her own people would not credit her words. |
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In a genre that is rife with copycatting, Ms. Cain deserves some credit for having gotten a potentially interesting new series off the ground. |
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You credit the church as much by your government as you did the school formerly by your wit. |
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When Jonathan and the people heard these words they gave no credit into them, nor received them. |
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I published, because I was told I might please such as it was a credit to please. |
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Diagrams for ten systems not listed in the table are given, mostly without any credit line or reference in the text or in the legend. |
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The onset of the world depression found the island with no reserves, its primary industry neglected and its credit exhausted. |
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Once this massive credit crunch hit, it didn't take long before we were in a recession. |
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The recession, in turn, deepened the credit crunch as demand and employment fell, and credit losses of financial institutions surged. |
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Another example relates to AIG, which insured obligations of various financial institutions through the usage of credit default swaps. |
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These entities became critical to the credit markets underpinning the financial system, but were not subject to the same regulatory controls. |
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More than a third of the private credit markets thus became unavailable as a source of funds. |
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A homeowner with equity in her home is very unlikely to default on a car loan or credit card debt. |
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Derivatives such as credit default swaps also increased the linkage between large financial institutions. |
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The World Bank reported in February 2009 that the Arab World was far less severely affected by the credit crunch. |
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Household spending has shown further signs of stabilizing but remains constrained by ongoing job losses, lower housing wealth, and tight credit. |
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This credit freeze brought the global financial system to the brink of collapse. |
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This was the largest liquidity injection into the credit market, and the largest monetary policy action, in world history. |
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With considerable skill and some luck, Walpole acted quickly to restore public credit and confidence, and led the country out of the crisis. |
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Together, they are sometimes referred to as the Big Three credit rating agencies. |
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Moody's traces its history back to two publishing companies established by John Moody, the inventor of modern bond credit ratings. |
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The firm also distributes Fitch Ratings' proprietary credit ratings, research, financial data, and analytical tools. |
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A credit rating facilitates the trading of securities on a secondary market. |
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Business owners' hesitation to extend credit to new customers led to the birth of the credit reporting industry. |
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In response, defenders of credit rating agencies complain of the market's lack of appreciation. |
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In the European Union, there is no specific legislation governing contracts between issuers and credit rating agencies. |
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And not all structured finance products receive a credit rating agency rating. |
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Sovereign credit ratings represent an assessment by a rating agency of a sovereign's ability and willingness to repay its debt. |
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National governments may solicit credit ratings to generate investor interest and improve access to the international capital markets. |
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Developing countries often depend on strong sovereign credit ratings to access funding in international bond markets. |
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The practice of using credit rating agency ratings for regulatory purposes has since expanded globally. |
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The extensive use of credit ratings for regulatory purposes can have a number of unintended effects. |
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And specialized risk consultants working in a variety of fields offer credit models and default estimates. |
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Market share concentration is not a new development in the credit rating industry. |
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Since the establishment of the first agency in 1909, there have never been more than four credit rating agencies with significant market share. |
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Credit rating agencies generate revenue from a variety of activities related to the production and distribution of credit ratings. |
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Inflation depends on differences in markets and on where newly created money and credit enter the economy. |
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At the same time, millions of families are benefiting from the Child tax credit, the Working tax credit, and record rises in Child benefit. |
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As Newton's first law is a restatement of the law of inertia which Galileo had already described, Newton appropriately gave credit to Galileo. |
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Many historians credit Baird with being the first to produce a live, moving, greyscale television image from reflected light. |
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Symbols for day, month, year, debit, credit, as above, rupee, and numeral are present as well. |
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Douglas's idea of social credit, and that fascism was the vehicle for reform. |
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The court was also told that Norman received sole credit because of his prior contract with the producers. |
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This version gives credit to Harris and Katz at the end of the film, and thanks them for providing some previously unknown stereo soundtracks. |
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Since the credit crisis, growth has slowed considerably though still remained above the Scottish average. |
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Alden argues Howe was influenced by the idea that, upon success, he would not receive credit, but Burgoyne. |
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Congress attempted to remedy this by printing vast amounts of paper money and bills of credit to raise revenue. |
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Haig felt that they would take credit for Foch's victory but might dismiss him if disaster befell the British forces. |
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On 16 May the Liberal Democrats proposed an entrepreneurs' allowance, to review business rates and to increase access to credit. |
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In 2006, The Royal Bank of Scotland Group undertook the first trial of PayPass contactless debit and credit cards in Europe. |
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Since then, the ACF has evolved into a nationwide mechanism that processes credit and debit transfers electronically. |
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The issue of credit notes is often for a limited duration, and at some discount to the promised amount later. |
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Banknotes have increasingly been displaced by credit and debit cards and electronic money transfers. |
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It also gives credit to authors whose work they use and helps avoid plagiarism. |
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With these singles to his credit, Harris moved from Scotland to London, hoping to learn from the local music scene. |
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Labour and the Lib Dems deserve credit for ensuring that our children, especially those in most need, will now get a better start in life. |
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This information is used in consumer credit scores, making it difficult or more expensive for the defendant to obtain credit. |
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By the late 1920s, the Federal Reserve had almost hit the limit of allowable credit that could be backed by the gold in its possession. |
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Banks will react by tightening their credit conditions, that in turn leads to a credit crunch which does serious harm to the economy. |
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The spectacular crash of 1929 followed five years of reckless credit expansion by the Federal Reserve System under the Coolidge Administration. |
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Rather, it arose because the credit expansion created the illusion of such an increase. |
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For this reason, credit for the European discovery of porcelain is traditionally ascribed to him rather than Tschirnhaus. |
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Scraping the affected skin with a knife edge, safety razor, or credit card may remove remaining nematocysts. |
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There have been more bank runs, executives on the lam, arrests and credit panics than the country has seen in years. |
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Risky credit, public debt creation, and European structural and cohesion funds were mismanaged across almost four decades. |
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France experienced a credit crunch as financiers recognised that Britain could now strike at will against French trade. |
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He is internationally known for the concept of micro credit which allows poor and destitute people with little or no collateral to borrow money. |
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Beginning in the Summer 2015, the campus will begin to offer undergraduate credit courses in History. |
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Nearly all systems permit residents a credit for income taxes paid to other jurisdictions of the same sort. |
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Thus, a credit is allowed at the national level for income taxes paid to other countries. |
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The tripods were considered important artifacts, Chinese legends credit a Xia dynasty emperor with their construction. |
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Others also offer college credit with the successful completion of the program. |
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Some traditions credit Saint Boniface with the invention of the Christmas tree. |
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These were reinforced by the familial interdependence of the Cape's credit and mortgage obligations. |
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Prosper of Aquitaine describes the historic meeting, giving all the credit of the successful negotiation to Leo. |
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In business, economics, and finance, double entry bookkeeping, credit card, and the charge card were all first used in the West. |
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Foreign aid arrived in the form of loans, land, credit, and tools to speed up development, but were only allocated to men. |
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However, credit is due not to him but to his successors, the Banu Alfons from the Arab chronicles. |
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According to the Heritage Foundation, Cuba is dependent on credit accounts that rotate from country to country. |
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By the 1850s new formed local banks became a source of credit, replacing the haphazard system of credit from local merchants. |
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The Baine, Johnston firm had to cut winter credit, whereupon poorer fishermen threatened the company with violence. |
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The factors would extend credit to the poorer weavers so they could buy wool. |
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A cash sale is recorded as debit on the cash account and as credit on the sales account. |
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There is no downward flexibility in expenditure and credit levels. But outputs and supplies are downflex. |
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He was similarly appreciative of them and gave them due credit for policies where he had used their advice. |
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This view has been challenged recently and modern historians credit him with some significant achievements. |
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Henry became the focus of discontent as the population, agricultural production, prices, the wool trade and credit declined in the Great Slump. |
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Henry VII deserves a large share of credit in the establishment of a standing navy. |
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The Genoese bankers provided the unwieldy Habsburg system with fluid credit and a dependably regular income. |
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A Parsi lawyer was examining a witness and asking him question regarding credit and debit entries in account books. It was all Greek to me. |
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But Bolton deserve real credit, seeking to take advantage of their jitters at every opportunity in typically determined fashion. |
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He was easily flattered by praise, and dismayed when he felt he was not given sufficient credit for his actions. |
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Egg Banking was on Pride Park in Derby, until Barclays closed the site in 2011, and moved the business to its Northampton credit card site. |
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One is the proportion of the population who own credit cards or other forms of plastic payment cards such as laser cards. |
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It tried to keep a fixed exchange rate, and attempted to deal with inflation and sterling weakness by credit and exchange controls. |
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Newton also made seminal contributions to optics, and he shares credit with Gottfried Wilhelm Leibniz for developing the infinitesimal calculus. |
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Today, both Newton and Leibniz are given credit for developing calculus independently. |
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Paper tickets, the contactless Oyster cards, contactless debit or credit cards and Apple Pay smartphones and watches can be used for travel. |
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It is essentially a measure of value and more importantly, a store of value being a basis for credit creation. |
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Articulation agreements may allow credit earned on an associate degree to be counted toward completion of a bachelor's degree. |
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This provided a credit risk free loan for the lender, averaging 7 percent a year. |
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Keen not to seem too intriguing, and wanting to allow the King to take the credit for unveiling the conspiracy, Salisbury feigned ignorance. |
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Smith earned an executive producer credit, and the album marked his final official contribution to the band's discography. |
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With The Miracle, the band's songwriting became more collaborative, and they vowed to credit the final product only to Queen as a group. |
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That was probably Peter Hogman of the Dimensions, although Powell has also claimed credit. |
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Hitchcock often emphasised that he took no screen credit for the writing of his films. |
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The film was the first screenwriting and acting credit for Woody Allen, and featured Sellers in a love triangle. |
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Generally, it received poor reviews, with reviewers giving more credit to Tenniel's illustrations than to Carroll's story. |
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Nevertheless, Faldo earns credit for the way in which he performed under pressure in his major victories. |
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The metropolitan area of Lima accounts for 43 per cent of gross domestic product, for four-fifths of bank credit and consumer goods production. |
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The credit rating that an independent Scotland would merit also became a subject of debate. |
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This stimulated sales and suited the needs of small manufacturers in the Midland city, who could not afford to trade on credit. |
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Several historians credit the Reform Act 1832 with launching modern democracy in Britain. |
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Former US Chairman of the Federal Reserve Bank Alan Greenspan gives most credit to Ludwig Erhard for Europe's economic recovery. |
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Economies worldwide slowed during this period, as credit tightened and international trade declined. |
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Securities with lower priority had lower credit ratings but theoretically a higher rate of return on the amount invested. |
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Seasonal datings are special credit terms that are sometimes offered to retailers when sales are highly concentrated in one or more periods during the year. |
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A conquering race would scarcely credit that its heroes would, after death, betake themselves to the deadland of the beaten and enslaved aborigines. |
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The cards are needed to obtain a job, to vote, and to use credit cards. |
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So many people have written so many books and articles forecasting doom at the end of the twentieth century that we cannot possibly do credit to all of them here. |
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Rating agencies also grew in size as the number of issuers grew, both in the United States and abroad, making the credit rating business significantly more profitable. |
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Look ye, gentlemen, I have lived with credit in the world, and it grieves my heart never to stir out of my doors but to be pulled by the sleeve by some rascally dun or other. |
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You also have to pay exorbitant interest if you have credit card debt. |
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Do not give your credit card number to that fly-by-night operation. |
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Late fees and credit rating are an elaborate game of gotcha. |
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When the bank refused the credit, all our plans went up in smoke. |
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If you cannot, the sum of the credit is classified as overdue, and then the interest rate for paying it off doubles and you in fact have to pay 4 manats 20 gyapik for 1 manat. |
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The team with the most number of Channel swims to its credit is the Serpentine Swimming Club in London, followed by the International Sri Chinmoy Marathon Team. |
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Some historians such as David Landes and Max Weber credit the different belief systems in Asia and Europe with dictating where the revolution occurred. |
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The global financial crisis of the late 2000s brought increased scrutiny to credit rating agencies' assessments of complex structured finance securities. |
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Identity cards are demanded widespread in all formal transactions, from credit card purchases to any identity validation, proof of age, and so on. |
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However, in November 2008 the surcharge dropped to zero following the sharp reduction in crude prices during the credit crunch and as of November 2009 is still at zero. |
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For the Conservatives, who came to power in 2006, to claim credit for more than two decades of dropping crime is as laughable as it is insupportable. |
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The value of credit ratings for securities has been widely questioned. |
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Seneca assumes that anyone involved in commerce needs access to credit. |
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For the first time, public securities were rated using a system borrowed from the mercantile credit rating agencies, using letters to indicate their creditworthiness. |
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In 1975, SEC rules began explicitly referencing credit ratings. |
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Sudden inflation during the reign of Commodus damaged the credit market. |
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The Labour lead was gradually narrowed over the next two years, as the Conservatives gained some credit for the strong economic recovery and fall in unemployment. |
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Despite Diocletian's introduction of the gold solidus and monetary reforms, the credit market of the Empire never recovered its former robustness. |
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The Access credit card was introduced in October 1972 from Southend. |
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It was this extension of cheap credit that made the Glasgow men different. |
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Ratings for complicated or risky CDOs are unusual and some issuers create structured products relying solely on internal analytics to assess credit risk. |
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A credit crunch lowers investment and consumption and results in declining aggregate demand which additionally contributes to the deflationary spiral. |
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In February 1929 Hayek published a paper predicting the Federal Reserve's actions would lead to a crisis starting in the stock and credit markets. |
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In his typed diary Haig claimed much of the credit for Foch's appointment and to have insisted that he have wider powers over Petain than Clemenceau had wanted to grant him. |
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Once ratings for a sovereign have been initiated, the rating agency will continue to monitor for relevant developments and adjust its credit opinion accordingly. |
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However, credit rating agencies were criticized for failing to predict the 1997 Asian financial crisis and for downgrading countries in the midst of that turmoil. |
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Students do not qualify for this loan program if they are in a continuing education program through an academic credit bank system or a school outside of Korea. |
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Private lenders use different underwriting criteria, including credit rating, income level, parents' income level, and other financial considerations. |
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The use of credit ratings by regulatory agencies is not a new phenomenon. |
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Bachelor's degrees in medicine, dentistry and veterinary science are at level 7, with learning spanning levels 4 to 7, and are not normally credit rated. |
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In the 1930s, regulators in the United States used credit rating agency ratings to prohibit banks from investing in bonds that were deemed to be below investment grade. |
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I've spent all afternoon shopping and maxed out my credit card. |
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In 1920, he became Reader in English Language at the University of Leeds, where he claimed credit for raising the number of students of linguistics from five to twenty. |
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Sulla would later claim that the credit for ending the war was his. |
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After a final confrontation, Gilmour's name disappeared from the credit list, reflecting what Waters felt was his lack of songwriting contributions. |
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The Basel III accord, a global bank capital standardization effort, relies on credit ratings to calculate minimum capital standards and minimum liquidity ratios. |
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This required the oil companies to build dikes and drain the land in order to build their facilities, Dutch Shell takes credit for some of the most enduring dike systems. |
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The regulatory function granted to credit rating agencies may also adversely affect their original market information function of providing credit opinions. |
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The three largest agencies are not the only sources of credit information. |
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Robert Brownjohn returned to develop the opening credit sequence, which featured clips of all three Bond films projected on actress Margaret Nolan's body. |
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In 2012, changes were made to the agreement to reflect the effect of changes in VAT and Corporation Tax and the costs of installing credit card handling systems. |
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He trailed only John Stockton but should get credit for compiling all his assists while not being compelled to wear the nuthugger shorts that were a Stockton signature. |
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Most jurisdictions either do not tax income earned outside the jurisdiction or allow a credit for taxes paid to other jurisdictions on such income. |
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The attractions, some of the most expensive of their kind at the time, opened in 1995 and 2001, respectively, with sole design credit attributed to Walt Disney Imagineering. |
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Under the subscription model, the credit rating agency does not make its ratings freely available to the market, so investors pay a subscription fee for access to ratings. |
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They had no national government, no national army or navy, no financial system, no banks, no established credit, and no functioning government departments, such as a treasury. |
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The capacity credit of wind is estimated by determining the capacity of conventional plants displaced by wind power, whilst maintaining the same degree of system security. |
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To stimulate the construction industry, credit was offered to private businesses and subsidies were made available for home purchases and repairs. |
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It is to his credit and to the enormous benefit of archaeology that he proceeded to excavate each one with the same slow, methodical care as the first. |
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Economic cooperation and extension of credit to the Third Reich varied according to the perceived likelihood of invasion and the availability of other trading partners. |
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He is usually given credit for the discovery of hydrogen as an element. |
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Moreover, empirical studies using data from advanced countries show that excessive credit growth contributed greatly to the severity of the crisis. |
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Although others, such as Robert Boyle, had prepared hydrogen gas earlier, Cavendish is usually given the credit for recognizing its elemental nature. |
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In the late nineteenth century, long after his death, James Clerk Maxwell looked through Cavendish's papers and found things for which others had been given credit. |
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A debate continues about who should receive credit for the discovery. |
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From 1898 to around 1905, osmium was also used as a lamp filament in Europe, and the metal was so expensive that used broken lamps could be returned for partial credit. |
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County Court judgments are recorded in the Register of Judgments, Orders and Fines and in the defendant's credit records held by credit reference agencies. |
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After 1521, the wealth and credit generated by the acquisition of the Mexica Empire funded auxiliary forces of black conquistadors that could number as many as five hundred. |
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While many banks are obviously at the brink, consumers and businesses would be facing a much harder time getting credit right now even if the financial system were rock solid. |
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The terms under which the Huguenots agreed to immigrate were the same offered to other VOC subjects, including free passage and requisite farm equipment on credit. |
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This credit was in the form of Federal Reserve demand notes. |
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Taylor attempted to take sole credit for the screenplay, but Coppel protested to the Screen Writers Guild, which determined that both writers were entitled to a credit. |
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Since the Federal Reserve had hit its limit on allowable credit, any reduction in gold in its vaults had to be accompanied by a greater reduction in credit. |
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With an Academy Award to his credit, Niven's career continued to thrive. |
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There is some debate about who was the first person to assert that the Earth is spherical in shape, with the credit going either to Parmenides or Pythagoras. |
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Some credit Russell with prompting the resignation of the sitting British government through his reporting of the lacklustre condition of British forces deployed in Crimea. |
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They also committed to maintain the supply of credit by providing more liquidity and recapitalising the banking system, and to implement rapidly the stimulus plans. |
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All Bangladeshis are issued with an NID Card which can be used to obtain a passport, Driving Licence, credit card, and to register land ownership. |
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Especially since the early 2000s, Moody's frequently makes its analysts available to journalists, and issues regular public statements on credit conditions. |
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