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Interest rate risk is the risk that changes in interest rates will adversely affect the fair values of a government s financial instrument or a government s cash flows. If a derivative increases a government s exposure to interest rate risk, that risk should be disclosed as interest rate risk, along with the terms that cause interest rate risk to increase. Basis risk is the risk that arises when variable interest rates on a derivative and an associated bond or other interestpaying financial instrument are based on different indexes. For example, a government might swap a variable interest rate on a bond that is calculated based on LIBOR (London Interbank Offered Rate) for a synthetic variable interest rate based on BMA (Bond Market Association Municipal Swap Index). At the time of the derivative contract, BMA will be some percentage of LIBOR. The extent that this percentage changes over the life of the derivative, results in basis risk. If basis risk exists, the government should disclose this risk as basis risk, along with the derivative s payment terms and any payment terms of the associated debt.

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subordination as before One cannot make of him a god, a god above all others, and at the same time an instrument in the hands of the gods One cannot make of him the paramount end and reduce him to the role of means If he be the moral reality, then it is he who must serve as the pole-star for public as well as private conduct It should be the part of the State to try to bring his innate qualities to the light Shall we nd some people saying that the cult of the individual is a superstition of which we ought to rid ourselves That would be to go against all the lessons of history: for as we read on, we nd the human person tending to gain in dignity There is no rule more soundly established.

3 3 3

You can start a Remote Assistance session in three ways: through Windows Messenger, via email, or by sending a file Messenger offers the easiest way, but it requires that both parties have Windows Messenger installed Using Messenger, either party can invoke the Remote Assistance session either by right-clicking the user s name in the contact area of the Messenger window or by choosing Tools Ask for Remote Assistance In the latter case, the Novice can request a Remote Assistance session from anyone on the Messenger contact list or by choosing Other and specifying the email address of another MSN/Hotmail/Passport user The Expert can use the Invite menu to ask the MSN/Hotmail user to allow a Remote Assistance session to begin, use Tools Send an Invitation to perform the same task, or send a request to an MSN/Hotmail user not in the contact list.

turnover of staff. The technical solution proposed was to increase compensation. The board discussed the pluses and minuses of various pay plans across-the-board versus merit pay, signing bonuses versus retention bonuses, individual rewards versus group rewards. But after deliberating in a generative mode, the problem turned out to be how to create a great place to work for professional staff. In the end, quality of work life, not money, was the decisive factor. At an independent school (grades 7 12), the stated problem was the need to hire additional psychologists to meet increased student demand for counseling. The board focused on budgetary implications and data on students: counselor ratios at peer institutions. But after more deliberation, staff and board constructed a new version of the problem: whether the school could deliver an intense intellectual experience that did not exacerbate student stress. Parental expectations, and to a lesser extent, overcrowded facilities, and not more counselors, ultimately proved to be the critical variables. The problem for one museum was the opportunity to purchase a prized (and expensive) work of art. In addition to cost, the board considered strategic priorities for the collections and the competitive consequences of foregoing the purchase. But after more deliberation, the board decided the key question was whether the museum s primary objective was to own art or display art. Based on that discussion, the board and the CEO eventually decided not to acquire the masterpiece.