Commercial Vehicle Loan Research Paper

Commercial Vehicle Loan Research Paper
If you are trying to get financing for a commercial vehicle, it is helpful to know what traits lenders take into consideration when deciding to if they
will offer you a loan and on what terms that offer will be.
#1 Length Of Time In Business
One of the first things that they will take into consideration is the length of time that you have been in business. Lenders are ideally looking to
provide loans to individuals who have been in business for at least a couple of years, if not longer.
The longer your track record is of keeping your business open and successful, the more appealing you will look to a potential lender for a commercial
vehicle. They want to write loans for businesses that they think have the potential to last for the length ... Show more content on Helpwriting.net ...
Most lenders consider owner operators a bigger risk than business owners because as an owner operator, you only have yourself to rely on to create
income and you have to rely on getting contracts from trucking companies to get work.
Owner operators are generally asked to put down larger deposits and may face higher interest rates depending upon the other factors that commercial
truck lenders take into consideration.
#4 Cash Reserves
Next, most commercial lenders want to know what type of cash reserves you have, regardless of if you are a business owner or owner operator.
Having a higher level of cash reserves will result in lower interest rates and a lower deposit. Ironically, the more cash you have on hand, the less your
lender will likely ask for upfront because they assume you can afford the cost of the vehicle.
#5 Age Of The Vehicle
Finally, most lenders will take into consideration the age of the commercial truck that you are purchasing. If the truck is too old, and they don't
think it has a lot of life left on it, you may be denied the loan. The truck still needs to have lots of years and mileage left on it in order for a
commercial truck lender to consider the loan. Most lenders will take into consideration the age and the price of the vehicle as

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Commercial Roofing Research Paper
Commercial Roofing Fort Worth
As a building owner, you have a number of options available for your selection when considering commercial roofing in Fort Worth. Longhorn
Construction wants to assure you have the information you need when selecting your building's next roof. That is why we go the extra mile to
provide it. When you contact our roofing professionals for a free roof estimate, we provide a meticulous inspection in order to identify any issues your
roof is experiencing, and to provide you with the best roofing job possible.
Providing a great roof begins with the steps for its preparation. When roofing is installed over problems you still have a problem, and one that can
affect the new roofs lifespan, performance and your business. ... Show more content on Helpwriting.net ...
This helps to ensure a long lasting roof, and protection for your building, and the business you conduct within.
There are a number of factors to consider when choosing a roof that is right for you. Factors such as building use, environmental impact, maintenance
costs, and the ease of installation. A Longhorn professional will be glad to assist you, by providing you with the information you need to make an
informed decision.
A Longhorn Construction roofer is licensed, certified and insured. When it comes to your commercial roofing in Fort Worth, you want to ensure to
select a contractor in business for many years. In today's economy, you need the assurance that your roofer will be there should a problem occur.
Longhorn Construction has served the State of Texas for more than 40 years, and installed almost 3 billion square feet of commercial roofing for our
clients.
There are additional reasons why you should consider Longhorn Construction's professionals for your buildings commercial roofing in Fort Worth

Financial Instruments вЂ“ Other-Than-Temporary Impairment
Joseph Won
ACCT 351
Research Case 2
February 11, 2015
Financial Instruments – Other–Than–Temporary Impairment 1. For the following investments, determine if OTT should record an
other–than–temporary impairment as of December 31, 20X1, and if so, for what amount:
Happy New Year & Co.
* Since the fair value of investment is less than its cost, the Company should proceed to step 2 for identifying and accounting for impairment.
However, there is no indication that OTT does not expect the fair value of the security to fully recover before the expected time of sale. The Company
actually does not believe the decline in price to be permanent. In addition, it does not intend to sell this investment in the ... Show more content on
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* It should be the entire difference between the investment's cost and its fair value at the balance sheet date of the reporting period for which the
assessment is made. So, the recorded amount is (100–72) * 50 = $1,400.
(FASB 320–10–35–34)
3. Assume the same facts as in 2 above, but that OTT has not yet determined whether an impairment exists or the amount of any possible impairment.
For March Madness Incorporated, would OTT still conclude that the investment is other–than–temporarily impaired, and would the impairment charge
as of December 31, 20X1, be different if the stock price at issuance of the financial statements (i.e., as of January 31, 20X2) was $95 and not $75?
* Unless it is clear that the impairment is deemed other than temporary, we cannot conclude that the investment is other–than–temporarily impaired.
For the second part of the question, the charge will not be different because it depends on the fair value at the balance sheet date, not the issuance date.
(FASB 320–10–35–33 and 34)

4. For Tohoku Toys, determine if OTT should record an other
–than–temporary impairment as of December 31, 20X1.
* OTT does not believe that the restructuring will ultimately be successful. So, an other–than–temporary impairment should be considered to have
occurred if the Company intends to sell them or not.
(FASB 320–10–35–33C)
5. For Chatterbox, what amount should be recorded as the other–than–temporary

Negotiable Instrument Act 1881
The Negotiable Instrument Act 1881
Compiled By Neelakshi Jaidka
OBJECTIVES After reading this lesson, you should be able to– Understand meaning, essential characteristics and types of negotiable instruments;
Describe the meaning and marketing of cheques, crossing of cheques and cancellation of crossing of a cheque; Explain capacity and liability parties to
a negotiable instruments; and Understand various provisions of negotiable instrument Act, 1881 regarding negotiation, assignment, endorsement,
acceptance, etc. of negotiable instruments. INTRODUCTION * The Negotiable Instruments Bill was passed by the Council and received assent on
December 9, 1881. The Act came into force from March 1, 1882. * Prior to its ... Show more content on Helpwriting.net ...
5.Payee to be a certain person: – Promissory note should specify the payee in clear terms i.e. by name, son of, and resident of, etc. The payment can
also be identified by description.
6.Certain some of money:– Sum payable must be certain or capable of being made certain. The sum shall be deemed to be certain when the rate of
interest is specified. Money may be payable in installments is also a valid promissory note.
Examples:– "I promise to pay Balu, Rs. 10,000, and all other sums which shall be due'' is not valid since the sum is not certain.
7.Payment of Money only:– There must be a promise to pay only money and not other consideration, e.g. "I promise to pay B a sum of Rs. 50,000 and
deliver him my Scorpio Car'' is not valid.
8.Duly stamped and dated:– Stamps of requisite amount and description must be affixed on the instrument and duly cancelled either before or at the
time of its execution. If the promissory note is not dated, it is presumed to have been made on the date of its delivery.
Bill of exchange {Sec. 5} Definition: – A 'bill of exchange' is an instrument in Writing containing an unconditional order, singed by the maker,
directing a certain person to pay a certain a sum of money only to, a certain person; or the order of a certain person; or the bearer of the instrument.
Essentials Characteristics of a Bill of Exchange
(a)It must be in writing

Business Law And Ethics : Backoffice Business Brief
Running head: BACKOFFICE BUSINESS BRIEF 1 Business Law and Ethics BackOffice Business Brief Patten University BACKOFFICE
BUSINESS BRIEF 2 Constitutional Rights and Guarantees BackOffice is a new startup business that will provide potential clients with an
application (app) that woul d automate certain business functions. BackOffice will be selling the app to certain business clients that will use it to
facilitate their customers' transactions. It is important that the owner of this company seek the help of a lawyer in ord er to get the proper legal advic
e on how to start the business. BackOffice is planning on acquiring clients in order to be come profitable . Two areas can affect the pot ential clients,
their clientele , the... Show more content on Helpwriting.net ...
The Consumer Financial Protection Bureau (CFPB) is planning to propose regulations that could control and re strict the kind of transactions
that BackOffice will automate. As a result, this could slow down the sales of the app since new restrictions might be imposed on some of its
functions. The CFPB recently took action agains t a similar company called Dwolla, w hich acts as an online payment platform . The action was
taken because Dwolla misled its customers about their online payment system data security practices . The company had falsely stated that their
security standards exceeded those of the in dustry and als o failed to encrypt sensitive consumer BACKOFFICE BUSINESS BRIEF 6 that the
application could have unforeseen bugs . In that case BackOffice will rectify the situation. Ethical Consideration II It is critical for BackOffice to
be extremely clear with its business investors when it comes to their expectation in regards to the commercial performance of the application .
Investors should be able to know what kind of return they are to expect on their investment . Additionally, it is unethical to fabricate any key
information or hide factual data in order to receive the good faith and funds of likely investors. As a CEO , you must be very clear when explaining
how you expect the business to perform financially in b oth the short and long term . For example, the time line of when the business is expected to
break even or

Commercial Gerage Research Paper
MUSICAL GENRE CLASSIFICATION USING NEURAL NETWORKS
Computer Science Tripos – Part II
Peterhouse
March, 2016
PROFORMA
––––––––––––––––––––– –––––––––––––––––––––––––––––––––––––––––––––––––––– Name: SAHIL YOUNGS College: PETERHOUSE Project
Title: MUSICAL GENRE CLASSIFICATION USING NEURAL NETWORKS Examination:COMPUTER SCIENCE TRIPOS – PART II, JUNE 2016
Word Count: 8,493 Project Originator: Sahil Youngs Supervisor: Dr Sean B Holden–––––––––––––––––––––
––––––––––––––––––––––––––––––––––––––––––––––––––––
Original Aims of the Project
The original aim of the project was to create and train a neural network capable of classifying musical genre given a ... Show more content on
Helpwriting.net ...
I had originally considered Python as a programming langauge, due to the breadth of libraries of all kinds. This led me to consider Theano and Caffe
as potential neural network libraries. Caffe is written in C++, with interfaces for Python and MATLAB. However, it seemed to be targeted mostly
towards deep learning networks, with a focus on image processing, and this made it seem quite complicated for the type of neural network I would be
considering. Theano is written in Python, and has a large amount of documentation and functionality. If I were to have used
Python, I would have likely used Theano, as it provides a large amount of functionality directly accessible from Python, whereas to extend
Caffe could require modifications to the C++ source. Ultimately, due to the decision to use Java (a choice explored further in В§[language]
Language below), I decided to use the Neuroph framework. Unfortunately there is less choice of neural network libraries in Java, but given my prior
experience with it, it is an easier language to program in.
Neuroph provided a simple view of Neurons and Connections comprising a
NeuralNetwork, upon which I could extend. This simpler view would

Uniform Commercial Code Research Paper
The Uniform Commercial Code is the oldest and most complex uniform act put into place by the National Conference of on Uniform State Laws.The
only State which has not put into use the Uniform Commercial Code is Louisiana.The Uniform Commercial Code is not law unless it is put into law
by a State, it was produced by a private institution.The Uniform Commercial Code also tries to make commercial paper transactions, such as the
processing of checks, less complicated.The affairs which are talked to/looked at with the eleven articles of the Uniform Commercial Code includes the
sale of products,all bank and tests/lists of questions, letters of credit, bills of receipts, bulk moves, investment securities, and secured transactions.The
Uniform Commercial

Commercial Insurance Claims Research Paper
In the next 10 years, four out of every 10 businesses is going to make a liability claim. That fact comes from the small business claims department of
The Hartford. Some claims will occur more often than others, while some will cost more than others.
Here are five of common commercial insurance claims you might encounter. Which one is more likely to happen at your business?
Burglary and theft
One out of every five commercial claims is going to be for burglary and theft, with the average claim coming to approximately $8,000. This claim
category covers a wide number of events, most of which are criminal in nature.
An employee steals money. It might be from a cash register, customer payments or even the safe.
A customer steals money or product. It might be via shoplifting or grabbing money out of a money drawer.
A burglar breaks ... Show more content on Helpwriting.net ...
This is especially true for businesses that are open to the public or who commonly have clients on the premises. The average claim for a customer slip
and fall is around $20,000.
Preventing customer injuries involves creating and maintaining a safe environment. Cleaning up slips and dropped merchandise quickly is mandatory.
Removing tripping hazards like loose rugs or cables is another. Security cameras provide the first line of defense against someone trying to make a
false claim.
Fire
One out of every 10 commercial claims is for fire damage. These incidents can be something as a minor fire confined to a small area to a complete
burn–out of an entire building. Fire claims average $35,000, but can go much higher.

Fire prevention is key to making sure your business remains safe. Avoid creating flash points like a pile of cardboard or a cabinet of flammable
materials. Make sure your building has appropriate fire detection in place. Have fire extinguishers on hand. Identify all escape routes and practice fire
drills regularly.
Wind and hail

Commercial Landscaping Research Paper
Commercial Landscaping in Lexington KY: A Trend
Playing around with the backdrop, beautifying the panorama and making it more appealing is truly a very creative skill. Landscaping is one of many
arts, which attract millions everywhere under the Sun. Everyone wants to build their homes near gorgeous localities and if somehow that doesn't go
according to the plan, then a gorgeous view through the front porch would be satisfying enough. Residential landscaping is a briskly growing trend,
but commercial landscaping is no less or behind. Just like we prefer living surrounded by beautiful flora and scenery, a workplace too requires
appealing outdoors and catchy settings.
Wouldn't you want to go to your workplace every day if it were surrounded by ... Show more content on Helpwriting.net ...
They are fully armed and skilled to perform their jobs. The team of Commercial Landscaping Lexington KY ensures professional landscaping services,
which includes horticulture and professional designing. They make sure that the needs of their clients are understood and taken care of. Planning the
design, inspecting the soil, plotting the map and final plantation; everything is included in their landscaping procedure. People at Commercial
Landscaping Lexington KY have a very sharp eye for detail, which makes them take even the minutest things into consideration before going ahead.
They make sure that their clients do not leave unhappy or dissatisfied. Their dedication is their

Negotiations in India
Introduction
The Negotiable Instruments Act was enacted, in India, in 1881. Prior to its enactment, the provision of the English Negotiable Instrument Act were
applicable in India, and the present Act is also based on the English Act with certain modifications. It extends to the whole of India except the State
of Jammu and Kashmir. The Act operates subject to the provisions of Sections 31 and 32 of the Reserve Bank of India Act, 1934. Section 31 of the
Reserve Bank of India Act provides that no person in India other than the Bank or as expressly authorised by this Act, the Central Government shall
draw, accept, make or issue any bill of exchange, hundi, promissory note or engagement for the payment of money payable to bearer on demand. This
Section further provides that no one except the RBI or the Central Government can make or issue a promissory note expressed to be payable or
demand or after a certain time. Section 32 of the Reserve Bank of India Act makes issue of such bills or notes punishable with fine which may extend
to the amount of the instrument. The effect or the consequences of these provisions are:
1. A promissory note cannot be made payable to the bearer, no matter whether it is payable on demand or after a certain time.
2. A bill of exchange cannot be made payable to the bearer on demand though it can be made payable to the bearer after a certain time.
3. But a cheque {though a bill of exchange} payable to bearer or demand can be drawn on a person's account

Commercial Mover Research Paper
Meta TitleWhy You Need to Hire A Commercial Mover Meta DescriptionMoving your business equipment and valuable belongings are stressful,
physically and emotionally. Know why you need to hire a professional commercial mover when you are relocating. 5 Reasons to Hire A
Commercial Mover Moving to a new company office is both stressful and tiring. It can drain you emotionally and physically. The total moving
process from packing, to transporting, and unloading are all dreaded chores. Plus, you need to do it properly because you have to secure all your
materials. With all these works to do, you may consider seeking help from a quality commercial mover service. Here are some reasons why you need
to hire a commercial mover: 1.Less Stress – Either your business is moving into a bigger location or not, it is still a challenging task to move all the
bulky and valuable items from the old office to the new one. It will help you a lot when you hire a... Show more content on Helpwriting.net ...
Using the Right Tools for Moving– Company items and equipment are valuable things for the company. It is not just about moving them on time, but
about transporting them cautiously. This is an important reason why you need to hire a commercial mover, because they have the appropriate tools to
use in transferring all your things smoothly and properly. 4.Save Time and Energy– You can save huge time and energy from hiring a professional
commercial mover because they can help you solve problem when it comes to roadblocks. They are professionals, and they are knowledgeable about
these scenarios that might already happened to them before. When you are hiring a professional mover, you're also hiring their experience, skills, and
physical strength. 5.Can Properly Handle Valuable Things– You can trust a commercial mover to transfer your furniture and other fragile business
belongings. They know how to properly load and unload every fragile item that you have. They know how to keep your things safe while it is in

Overview Of Cras And Its Effect On Investment Portfolios
Introduction
CRAs are like a marking system that is designed to keep the interested/related parties informed with relevant information. It helps investors to decide
how risky it is to invest in certain security or country. It gives indication to buyer of securitised debt how likely they are to be paid back. Although
investors collect their own set of information about borrowers and impose requirements, they also rely on these ratings to determine the appropriate
securities for their investment portfolios because it is believed that CRAs crucial role is to provide 'gatekeepers' to public security markets and act as a
neutral third–parties providing independent, objective assessment of the creditworthiness of investments offered, firms and ... Show more content on
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Then in 1975, SEC officially recognised S&P's, Moody's and Fitch Group as NSROs. Now these three owns about 90% of the market share . The
market shares of current rating agencies are provided in Appendix 2.
Credit rating methodology, process and techniques used by CRAs
Some CRAs uses analyst– driven methodology, some uses model–driven methodology and some uses mixture of both. Appendix 3 shows how
analyst–driven methodology works where as model–driven are based upon quantitative data. Financial instruments are rated based upon information
provided to CRAs by the issuer. Firms create pool of assets and sells to investors who purchase those pools of assets by using debt securities. Then they
hire CRAs to rate those securities. CRAs assign ratings to the specific financial instruments such as corporate bonds, MBS and CDOs rather than
issuer of these instruments. We can find a similarity on ratings assigned by these big three agencies. The commonly used scales are letter grade such
as AAA, AA, A, BBB and so on with pluses and minuses as well. The triple–A being highest ratings, followed by AA, then A and so on. The triple
–A
ratings represent safest instrument, AAA to BBB represents investment grade while ratings below this level means securities have higher risk of
default . It was assumed that securities with AAA

Commercial Drones Research Paper
COMMERCIAL DRONES IN US BUSINESS INTRODUCTION The purpose of this paper is to inform potential United States business leaders
about the current application of drones or unmanned aircraft in daily business operations. This paper will also be covering the change in the
Federal Aviation Administration's policy and how it will affect the future drone operations. Finally, this paper will look into the possible future
applications in which drones may be used by businesses. DRONES IN THE PRESENT Commercial drones have only recently become a part of
business operations and now more and more businesses are discovering a need for drones. To put this in to perspective, Mark Henrick wrote "Teal
Group Corp. forecasts annual worldwide drone spending... Show more content on Helpwriting.net ...
The agricultural industry has alsosought intrestest in using drones for their operations, namely crop dusting. Today, farmers either hire a pilot to
dust their crops or do it manually via tractor. Both seem to be daunting and inefficent ways to cover the crops; not to mention dangerous because an
a human has to be present in both senarious therefore is prone to injesting the toxic fumes used when dusting crops. When using a drone to do the
same task, it will decrease the cost of cropdusting and reduce the health hazard to the people applying the pestisides. (Love, 2013) The last way in
which drones can affect businesses is by being used as guides. This can especially useful for museums and universities. Similar to a tour guide
walking visitors through campus, a drone can simulate the very same experience with a programmed route and script. Students at MIT have already
began experimenting with using drones as tour guides to show visitors around the campus. (Love, 2013) CONCLUSION Drones are being propelled
to the forefront of many business' operations. Currently with conservative regulations of the FAA many drones are being used solely for advertisement
purposes. However, the FAA regulations are changing and becoming increasingly favorable to commercial drones, and with that comes the chance for
companies to find innovative new ways to uses drones to cut costs and increase

Credit Rating Agencies Essay
1.1 History of Credit Rating Agencies
Credit rating agencies (CRAs) have been playing a significant role in financial markets around the world since the beginning of the twentieth century.
The industry of credit rating originated when John Moody, a Wall Street analyst and the institutor of one of the biggest CRAs in present day,
introduced a system of credit rating for railroad bonds by publishing "Moody's Manual of Industrial and Miscellaneous Securities" in 1909. Until today,
there are now approximately 150 CRAs operating around the world.
Despite the fact that CRAs are now a crucial element in financial markets, it has not always been the case. There was an explanation that financial
markets were well operated prior to the existence of the CRAs in the United States. Since the early of the seventeenth century, the Dutch Republic
already had in place all fundamental components of a modern financial system including securities markets, a banking system, a central bank, a stable
money and a strong public credit. Influenced by the Dutch Republic, England also managed to have all such elements in the late seventeenth century
and subsequently, the United States had all components in the last decade of the eighteenth century. It can be seen at that time that financial markets
were already functioned properly without the existence of CRAs because investors had confidence in the governments that issued public bonds. Most
investments in Europe during the nineteenth century

Apple Commercial Research Paper
Apple Commercials
What comes to people's mind when they hear the word "Apple"? First thing they will think of is iPhone, that's how popular Apple company is. Even
though Apple products are trendy and famous nowadays, they still need to let people know how good their product is. To be able to achieve that, they
advertise their product through television, social media, and many more. Apple was founded by Steve Jobs, Steve Wozniak, and Ronald Wayne on April
1, 1976. iPhone 7, Apple watch series 2, and Mac Book Pro are the three new and improved products of Apple. iPhone 7 significantly enhances the
most important parts of the iPhone experience. It introduces progressed new camera systems. The best battery life ever in an iPhone. Immersive stereo
... Show more content on Helpwriting.net ...
They can use their iPhone for a quick photo for their schedule this week. Young women can use Apple Watch Series 2 for just incase they left their
smartphone somewhere, they will still be able to receive important calls and text messages. Also, Mac Book Pro can help young women finish all the
assessments they need to accomplish even though they are not in school. They can do it anywhere because Mac Book Pro is easy to carry and portable.
Since Apple company will still be attracting young women, I think that these young women will continue their values, priorities, and fears. Women
appreciate Apple products and they keep in mind how helpful it is to them. Young women's priorities will always be their studies first. They wanted
to graduate college, and Apple products made the process easier. I can see that Apple Company will change in the next few years when it comes to
their product's prices. The first thing that a customer will check whenever they are buying a product is its price. The price of a gadget must fit in his
or her

Commercial Security Research Paper
Commercial Security System Requirements
Your business requires special attention when it comes to an alarm system. There are additional considerations beyond what a residential security
system requires. Your business may have some or all of the following additional considerations:
Assets stored outside of your building Business Hours are 24/7 High amounts of cash on hand High priced, physically small items Small Business
operated from home Multiple Users
Assets Stored Outside of your Building
If your business requires items to be stored outside of a locked building then you will need to have additional security devices installed to protect your
property. These items may be:
Contacts located on a gate Beam Detectors along your fence line Motion ... Show more content on Helpwriting.net ...
This is an instance when a surveillance system can be the additional eyes that you need to stop crime. Surveillance cameras do not stop crime in the
same way as an alarm system. A commercial alarm system is normally only armed at night when the store is closed. A camera system can record 24
/7 whether you are open or closed. If your store has a lot of areas that are hard to see and there is limited personnel on shift then a camera system is
perfect to help cut down on crime. Each camera can be setup to have an alarm sound when it detects motion in specific area of view.
Small Business operated from home
In most cases a small business operated from your home will not have a large amount of cash on hand. In many cases there is sensitive information
on hand in digital or printed form. This information should be guarded and an alarm system is a perfect way to do this. You can have a single alarm
system do double duty by having partitions setup. These partitions would be able to divide your home and your home business treated as 2 separate
areas.
Multiple

Commercial Locks Research Paper
How to Choose the Best Commercial Locks for Your Business
Selecting a commercial locksmith can be challenging for new business owners because they may only be familiar with residential locks and residential
locksmith services. A business requires better security through gate, door and window locks. A professional commercial locksmith will offer peace of
mind while protecting business assets and property.
Commercial Lock Mythbusters
Some people assume that a master key will open all locks, so it must be carefully guarded. However, master keys are actually customized for
designated groups of locks. This means the business owner maintains control over which locks to include in the assigned groups. While registered high
security keys cannot ... Show more content on Helpwriting.net ...
Safes comes with different levels of fire–resistance. For example, Class 350 safes are best for documents because they keep the interior temperature
below 350 degrees Fahrenheit. Class 125 offer the most heat protection, so they are best for expensive electronics and valuable hard drives. Safes
are the best deterrent of theft because advanced technology makes them practically invulnerable. Composite safes offer fire protection with cutting
edge locking systems. The target location and type of stored items will determine the ideal safe model. There are small safes that can be easily
hidden as well as portable safes to be carried home every night. Many retailers like Wal–Mart and wholesalers like Costco offer the most affordable safe

Commercial Sports Research Paper
Commercial sports prosper in certain types of societies, especially in the United States. This is because we have various commercial sports on an
amateur and professional level. In the United States, participants on both levels are apart o a free enterprise. On the amateur level, participants are
rewarded with paid college scholarships. They also get exposure to being able to compete on the professional level if they are exceptional athletes. On
the professional level, participants not only get high salaries but they also get endorsements and personal platforms. When athletes receive
endorsements they get a check for themselves and their team as well. The personal platform they receive gives them a way to promote business
ventures they are... Show more content on Helpwriting.net ...
There are three goals for changing sports, the conservative goal, reformist goal and the radical goal. The conservative goal is growth, the idea that
sports should constantly be strengthened and expanded in their current forms. The reformist goal is improvement, the idea that foundations of sport
should be restored, maintained with participation opportunities should arise. Lastly the radical goal is transformation, the idea that sports must be
reorganized or replaced to create a new meaning and/or purpose. My preference of these three goals is first the reformist goal, then radical goal,
and lastly the conservative goal. I like to think of these three goals as such (reformist goal + conservative goal= radical goal). I chose the reformist
goal first because i feel like when it comes to organized sports, each participant should have equal opportunity. The reformist goal will take away
the access of cheating, deviance and drug use which will put everyone on the same playing field and the same chance to prove themselves. It will
also clean the image of organized sports being biased. Next, i chose the conservative goal because it will feed off of the reformist goal. Once you
change the status of the sport, you will have to give it room to grow, hence the conservative goal. By doing this you will increase the resources
participants to reach success which will directly help society. The more that society see participants are thriving in sports the more willing people will

Commercial Whaling Research Paper
Norway and Japan In 1993 Norway resumed hunting whales for political reasons When scientists were hired by the government to calculate whale
stocks and realized that the Northeast Atlantic The numbers scientists presented were found to be misleading however, and since then Norway a
"traditional activity of very small scale, catching only minke whales" (Norwegian Whaling). Most politicians and much of the population.
Norway want a return to whaling. If it were not for the IWC, whalers from this country would be hunting about 2,000 minke whales a year, which is
the historical average although not a sustainable one. In 1998 Norway's IWC Commissioner stated that , "'Norway will never accept a ban on export
of whale ... Show more content on Helpwriting.net ...
In 1991 the IWC decided to permit aboriginal subsistence whaling as; "whaling for purposes of local aboriginal consumption carried out by or on
behalf of aboriginal, Indigenous or native peoples.
Who share strong community, familial social and cultural ties related to a continuing traditional dependence on whaling and the use of whales"
(Commercial Vs. Subsistence) Japanese whaling practices have more in common with aboriginal subsistence whaling than the strict definitions of
commercial whaling
.
The vessels they use are relatively small and operations exist in community–oriented towns in order to enhance that village's identity rather then simply
make revenue for the nation. Legal arguments used by both Norway and Japan to oppose IWC and other regulations on whaling are underlined with the
idea that there is no scientific evidence to support the moratorium. Also, the threat of economic sanctions is in violation of GATT trading rules,
U.S. policies are hypocritical because of allowing such groups as Alaskan natives to hunt whales. There is also the moral argument attacking the U.S.
that says, Americans eat cows, why must the U.S. impose its hypocritical views of animal "worth" on other nations (class notes, Gov. 263)? Sea
Shepherd

Business Ethics : Anthony And Dolores Angelini
Summary of Case
Business Ethics: Anthony and Dolores Angelini entered into a contract with Lustro Aluminum Products, Inc. (Lustro). Under the contract, Lustro
agreed to replace exterior veneer on the Angelini home with Gold Bond Plasticrylic avocado siding. The cash price for the job was $3,600, and the
installment plan price was $5,363.40. The Angelinis chose to pay on the installment plan and signed a promissory note as security. The note's language
provided that it would not mature until 60 days after a certificate of completion was signed. Ten days after the note was executed, Lustro assigned it for
consideration to General Investment Corporation (General), an experienced home improvement lender. General was aware that Lustro (1) was nearly
insolvent at the time of the assignment and (2) had engaged in questionable business practices in the past. Lustro never completed the installation of
siding at the Angelini home. General, as a holder in due course, demanded payment of the note from the Angelinis. Who wins? General Investment
Corporation v. Angelini, 278 A.2d 193, Web 1971 N.J. Lexis 263 (Supreme Court of New Jersey) (Cheeseman, 2010, p. 369).
Introduction
This review will address several issues associated with the legal, business, and ethics related to the case. First, it will address the legality of the case
by reviewing the definition and analysis of General Investment (GI) as a holder in due course. Next, this review will analyze the business effects

Advantages Of Smuggling Currency
Land Smuggling currency across land, although lacking in speed and the ability to reach many international destinations, is still a relatively easy way
to transport cash. US customs presence tends to be less at outbound stations. Inspections tend to be infrequent as they interfere with the flow of traffic
and at times cause massive traffic congestion. Another advantage of land border crossings is that vehicles in which to conceal the currency are easy to
obtain. Customs officials have found currency in obvious locations such as seats, trunks, false compartments,dashboards and door panels[ Available at
http://www.oecdobserver.org/news/archivestory.php/aid/244/Money_laundering:_staying_ahead_of_the_latest_trends.html (last visited on 28/02
/2016)]. Sea Although smuggling by sea can have the advantage of reaching many destinations, it can be, at times, a inconvenient exercise. For
example, it may require the use of other parties such as exporters or ship personnel and the smuggler may be physically separated from the currency
for long period[ Available at... Show more content on Helpwriting.net ...
For many years the banking and financial services industry has been developing new methods of cash payments. One of these methods is generally
referred to as "cyber payments". A significant feature of the new cyber payments is that they include a new form of currency. Cyber payments also
comprise other payment components, which emulate current payment systems. For example, already in use are cyber–cheques, cyber–credit and cyber
debit. Cyber–currency, therefore, includes the attributes of conventional currency, which are: a store of value; a medium of exchange; and ease of use.
However, it has one very important added feature – almost instant electronic transfers from point to point[ Available at http://www1.worldbank.org
/finance/assets/images/01–chap01–f.qxd.pdf (last visited on 02/03/2016)

Negotiable Instruments Make The Economy Go Around
Negotiable instruments make the economy go around. That is why the law on negotiable instruments is important and why the work of the Uniform
Law Commissioners has been lasting and uniformly adopted on this subject. A negotiable instruВ¬ment is either a "draft," of which the most common
subВ¬category is the "check," or a "note." A "draft" is merely an order from one person to another to paymoney to a third person. A check is a species
of a draft. A person writes checks on a bank account which the bank maintains on that person 's behalf. A check is an order from the person/depositor
as "drawer" to the bank/drawee for payment of money to a third person named on the check as "payee." A" note" is evidence of a debt between the
"maker," who promises to pay, and another person. A traditionalpromissory note is an example. One person borrows money from another person, and
the borrower signs a piece of paper that obligates him to pay the money back at a certain time. That piece of paper, which evidences the debt, is a "note."
Notes and drafts can both be negotiable or nonnegotiable, but negotiability is the issue that makes Article 3 essential. Drafts and notes represent
money and have value, based upon that representation. It has long been accepted that drafts and notes can be passed from person to person, well
beyond the persons who are parties to the initial transactions represented, almost as easily as money itself is passed from hand to hand. The ability to
transfer

DOW CHEMICALS
9 – 2 0 1– 0 3 3
REV. AUGUST 6, 2003
GEORGE CHACKO
PETER TUFANO
Diageo plc
Ian Cray, Diageo plc's Treasurer, looked out of his office window onto the busy streets of London in
October 2000. The London–based consumer goods company Diageo had recently announced its intention to sell its packaged food subsidiary,
Pillsbury, to General Mills. Earlier in the year, Diageo also announced its intent to sell 20% of its Burger King subsidiary through an initial public
offering during
2001, to be followed by a spin–off of the remainder of Burger King after December 2002. If these transactions took place, the firm would be focused
exclusively on the beverage alcohol industry. As
Diageo's business was restructured, it was an opportune ... Show more content on Helpwriting.net ...
The firm was organized along four business segments. The largest was the Spirits and Wine business, which produced and marketed a portfolio of
beverage alcohol such as scotch, vodka, gin, and tequila. Diageo's brands included Johnnie Walker, Smirnoff, J&B, Bailey's, Gordon's, Tanqueray,
Cuervo, and Malibu. This division was not only the biggest (with revenues of ВЈ5 billion and the leading market share in the U.S. and U.K. markets)
but also the fastest growing of Diageo's businesses, with sales growth of 8% for the year. More than 70% of sales and sales growth came from the
Europe and North
America markets. This segment enjoyed the largest profit margins of all of the segments, with 15% operating margins and growth in total operating
profits of 15%. The high levels of operating profits reflected Diageo's strategy of concentrating on premium brands and pricing. (Exhibits 1 and 2
contain historical financial information for Diageo and its business segments.)
Diageo's second largest division was Guinness Brewing, which produced and sold beer to markets around the world. This segment, while substantially
smaller in sales than the Spirits and Wine Division, was a close second to it in terms of operating profit growth rate. Due to the similarity in the
products and distribution channels for these two businesses, Diageo was

Moody 's Committed No Crime Or Infraction
As was previously stated, Moody's committed no crime or infraction, yet one cannot overlook a somewhat lax stance in regards to it's' ratings on
residential mortgage backed securities. Chairman and Chief Executive Officer of Moody's, Raymond McDaniel, testified before the Financial Crisis
Inquiry Commission that while Moody's did observe a trend in the declining quality of mortgage–backed securities as early as 2003, that it is not the
role of Moody's nor any other credit rating agency to serve as the "gate–keeper" of the securities market and that their ratings are merely opinions, not
definitive advice or recommendation on the stability or substantiality of a particular financial instrument.
What stakeholders were helped, and which were hurt, by Moody's actions?
The immediate beneficiaries of Moody's ratings were the securities issuers, those institutions which provided these securities profited immensely from
their continued distribution throughout the market, as did Moody's who received sizeable fees to rate said instruments.[2] One Moody's employee
indirectly described the competitive pressures which led to the lapses in the ratings systems,
"He described RMBS (residential mortgage backed securities) as the worst team to work on at Moody's. It's difficult to maintain market share in a
market that has become commoditized and where Moody's expected loss analysis means higher costs for issuers.
The investors, placing great confidence in the quality of Moody's credit

Commercial Door Replacement Research Paper
Commercial Door Replacement – Add Appeal and Security to Your Building The front door on your commercial building is the first thing a
customer sees, as well as your first line of defense against criminals. An appealing a secure door is imperative for a good first impression, and
keeping your business secure from break in attempts. If your business has any aging doors that you think could be putting your business at risk,
consider commercial door replacement. Doors are an often overlooked item on a commercial building and many are not properly maintained, or
replaced when needed. A failing or insecure door might not show symptoms to an untrained eye or without proper inspection. Older doors are more
often than not in need of replacing. Choosing

Cash Management Paper
Abstract Implementing cash management strategies can initiate immense ways to maximize cash flow in a firm. Assessing the current firm's cash
position and evaluating proper investment account options can assist a firm properly in accurately assessing and making fairly reliable predictions at
maintaining expenses. Important tools are utilized when describing business performance and financial calculations to meet the expected objectives the
firm. Cash Management Paper In today's world, reliable information is imperative for decision making that involves the financing and controlling of
assets. Efficient cash management processes are needed to carry out business in our intense economic world of competition and instability. Without the
... Show more content on Helpwriting.net ...
"When the economy is strong, companies can lapse into sloppy cash management practices" (Jill Andresky Fraser, 1998). Two types of sweep
accounts are available for the decision of the fees that can be charged. Controlled–investment accounts are more profitable of the sweep accounts,
maintaining enough funds to cover checks while the other funds are placed into overnight investments. End–of–day sweep accounts are safer for the
small–business owners, but offer a late hour cutoff with controlled investments. "When the firm has excess cash, it will invest in marketable securities,
and when it needs cash for current assets, it will usually either sell marketable securities or borrow funds from short–term leaders" (Block, Stanley B.,
2005). Short–term Financing "The financial manager must give careful attention to the growth in sales and the relationship of the production process to
sales" (Block, Stanley B., 2005). The financial manager should keep notice of the movements in the account for the proper structure and progress.
Short–term financing maintains an approximate 40% of the accounts payable or credit. Marketable securities for short term financing can be obtained
through credit from various suppliers. Banks have become more international to be able to accommodate the rise of the international business. These
financial institutions have been able to display an enormous enhancement of being able to lend money since the late 1990s. These customers may

Superbowl Commercial Research Paper
During the Superbowl people usually enjoy the some what famous commercials. Some are very good and others are not that good. This year's
Superbowl contained both the good commercials and the not so good commercials. The two Superbowl commercials that were very entertaining was
the Skittles commercial and the Febreze commercial. Both were very entertaining because they wanted to catch the audience's eye on how funny they
were plus to get people to buy their products. Both of these commercials were very entertaining. But, which one was a better commercial? Skittles, a
very tasty and sweet kind of candy. During this commercial this person kept throwing a single skittle into people's mouth one by one. It started out with
on person then next thing you know there was another random person. It was funny because the person throwing the skittles had their grandma in the
line. After the grandma there was a burglar then a cop who was trying to catch the burglar. Then it ended with skittle's saying, " Romance the rainbow,
taste the rainbow."... Show more content on Helpwriting.net ...
The commercial had Kathryn Hahn, a superhero comic actress, spraying a Febreze bottle in a bathroom. Then the Kathryn Hahn flushed the toilet
saying, " Make sure your bathroom is ready for halftime." This was funny because Kathryn Hahn said that the game and commercials were very good
and you should wait until halftime to use the bathroom. This was very persuasive because most people did wait until halftime to use the restroom.
Then it was followed by Febreze's slogan, " Freshness where it has never gone

Commercial Evidence Research Paper
In 1692, Boston's governor and his commission started convicting people of being witches from spectral evidence. Spectral evidence is evidence
based on dreams or visions which makes it difficult to show proof of someone actually being a witch. The supporting statement behind spectral
evidence was that the devil could not take the form of an innocent person, and that the only shape the devil could take was the shape of a person who
had confederated with the devil himself. The court allowing the use of spectral evidence, made it hard to defend the accusations of individuals being a
witch because of various reasons like there was no limit on who could be accused and who was exempt, once they found out someone was being
accused, they tortured that individual into saying the names of others, and because they were killing individuals based on a statement from someone.
There was no limit on who could be accused of being a witch and who could not. The Salem witch trials started with young girls accusing a Caribbean
Indian slave woman of being a witch after having symptoms similar to the first set of witch encounters from the Goodwin children. At the time, it ...
Show more content on Helpwriting.net ...
Eventually they started to believe that the devil could possibly take on the form of an innocent person. This conclusion made it to where spectral
evidence had absolutely no validity. They killed around 20 people before they realized that it made no sense to kill someone because of what
someone said. That would actually be putting the power of life and death in the tongue. It began to make sense that more evidence should be presented
for conviction. It was not until later that they admitted to the use of spectral evidence basically based on the story that some teenage girls came up
with and persuaded for attention. They finally realized that if they actually followed the proper rules in trials then they could have prevented a panic in
the

Uniform Commercial Code Research Paper
The Uniform Commercial Code is a comprehensive code necessary that throughout the United States of America, states abide by in order to mandate
the interaction of sales between buyers and seller. The Uniform Commercial code would be nothing without commercial law. Commercial law applies
to the rights, relations, and conduct of persons and businesses committed in commerce, merchandising, trade, and sales. These laws have evolved
sufficiently throughout the years. The Uniform Commercial Code and Commercial law have created a rule–book so that problems that would delay
interpretation and efficiency of trade would not occur. To begin with, the initial purpose of the Uniform Commercial Code, also known as the UCC, is
to set laws that govern the

Commercial Photographers Research Paper
Need of Commercial Photographers in your Business
"Photography takes an instant out of time, altering life by holding it still". –Dorothea Lange
Several persons have diverse opinions about the photography. Some consider it to be the life's best moment, some seize it in the heart for forever,
some in their eyes, some are emotionally attached to it, etc. Actually, no set of words defines the ecstasy of a photograph. Then, it may be any, either it
will be wedding photograph, event photographs, workplace photographs, any.
A photograph gives us the miraculous opportunity to relive the past. If you want to recreate your noteworthy memories, then don't be uncertain to call
the best photography services in California at your event.
Talk about the ... Show more content on Helpwriting.net ...
Artistry
The professionals not only click the photographs, but they also play the imperative role in organizing the strategies to how the image can interact with
the customers well. Their prime focus is on the type of the clients and accordingly, they will work upon.
Studio Photography
Although, the photograph is adequate enough to reveal the real essence of the business, but, what if the studio photography is added. It will create the
unique and striking effervescence. Include the employees, building, process and products into the studio photo shoot and then be the witness of the
success of your business. If you wish, you can also contact the right video production company in California. Adding the video can work as a cherry on
the top.
Consistency
If a client visits your website and he taps on the images webpage, then he will be surely startled to see the snaps, if you get them clicked by the
professionals. This consistency by your clients gives you the credibility and hence it will be advantageous for your business. Why to get your business
fallen in the hitch when you make it fly higher just by using the professional commercial photography?

Commercial Whaling Research Paper
Introduction According to researchers there have been over 15.000 whales killed in Japan and Norway since the 1900's. Not to mention the amount of
minke whales killed for research by the Japanese whaling fleets. In this assignment I will give my opinion on Japan's continued killing of whales
despite the ban on commercial whaling. Do you agree with the Norwegian and Japanese position on permitting the hunting of non –endangered species
of whales as a culture exemption? I believe that the Japanese and Norwegian people should have standardized limits just as does any other country
when it comes to hunting and/or fishing regulations. I do agree with the Japanese and the Norwegians position on being permitted to hunt
"non–endangered" whales as a cultured exemption for food purposes regulations exist, without them cultural exemptions allow them to kill whales at a
more alarming rate. I believe that there needs to be better enforcement of the regulations which already exist. Although I agree that some... Show more
content on Helpwriting.net ...
On one hand I completely agree with Japan, and Norway expressing their views on the exemption on cultural grounds from an international whaling
ban, simply because of their sovereignty rights. There are a number of villagers that are dependent on whaling to provide food, and other necessity
for their families. On the other hand, there are a host of negatives factors involved with mass killings of whales, for one it is inhumane to kill so
many whales in such a short time period. Second, the slaughtering of an endangered and intelligent species for something as unnecessary as
overpriced delicacies including whale oils. With that said, I believe that the economic impact has a big influence on my decision to agree with such a
heinous crime to continue to allow whaling as long as it is properly regulated and that those regulations are

Commercial Trucking Research Paper
One of the most fascinating types of commercial trucking is heavy hauling. Many big objects, such as multistory buildings, are built on–site. However,
the outdoors isn't a suitable environment for building some big objects such as large machines or specialized structures. They're built indoors at point
A, and then transported to point B via heavy hauler trucking. Many of the biggest of these operations are logistical masterpieces.
One of the heaviest things ever moved by road freight was a 4891 ton (9.8 million pounds) evaporator unit for a desalination plant in Saudi Arabia.
Heavy haul trucking has made many technological marvels possible, such as cold war spy and reconnaissance planes, and the spacecraft used in
manned space flight. Here

Commercial Moving Research Paper
COMMERCIAL MOVING IN GEORGIAAND FLORIDA
Liberty Moves is a moving industry leader when it comes to commercial moving services. What we can offer to our clients is a unique commercial
moving service executed by highly trained, experienced and skilled professionals. We can offer you commercial moving services at competitive prices
in the Southeast region of the United States. We will address all of your needs and concerns, keeping in mind your budget and yourbusiness. That way
you can be sure that a warehousing or moving arrangement is suitable to your unique challenges and requirements.
We are a commercial moving company with headquarters in Panama City Beach, and we offer a wide range of commercial moving solutions and
services. We understand that every business owner and corporate customer has different needs and requirements, and that is why we have the skills
required to understand what your business requires and what you expect from us. We will not leave you unsatisfied because we care about our clients.
Our highly skilled and professional team can relocate entire offices locally or even to a completely different ... Show more content on Helpwriting.net ...
Relocating can be an exhausting and challenging task, but with Liberty Moves, the whole moving process will be easy and stress–free. We will make
sure that every piece of your inventory and equipment is transported to a new location undamaged. With years of experience in the moving industry, we
can guarantee you that you will receive top–quality moving service in Georgia and Florida. Call us today and schedule a meeting. Our specialist will
meet with you and you will get a free estimate of your moving project. We will guide you from start to finish and we will make sure that your
business is up and running in no time. Contact Liberty Moves today and we will make sure that your business gets to a different location

Commercial Horse Slaughter Research Paper
It is not possible to humanely execute a commercial horse for slaughter simply because of the biology of horses and the nature of the industry. The
dark reality of horse slaughter plants is that most horses suffer a long time before their end. In transport, horses can go for days without water, food
or rest in overcrowded trucks in which they after often killed or seriously injured. When the horses arrive to the actual facility, they are crammed in a
small corral with no food or water. Since horses are skittish by nature, it makes the pre–slaughter more stressful and difficult. When their
fight–or–flight response is enabled it makes the process more strenuous so horses often suffer bashes and blows or remain conscious while being
dismembered,

How The Cras Played A Significant Influence On Investor...
The "Big Three" global credit rating agencies have garnered immense scrutiny and criticism for the role they played in the financial crisis and rightly
so–they were not only at the epicenter of this colossal debacle but also exacerbated it. There is overwhelming evidence suggesting that the marketing
and sale of the MBSs at the core of this crisis would have been virtually impossible without the CRAs signing off. The catastrophically inaccurate
ratings they granted to securities they rated helped the markets rally and their eventual massive downgrades left not just the US but also the world
economy in utter disarray. In spite of what arguments these agencies come up with to shy away for any responsibility the fact remains that they chose
big fees and bigger market shares over integrity in a business that relies on integrity.
To understand how the CRAs played a major role in the crisis, we must first understand why they became such a significant influence on investor
perception. Investors– both individual and institutional look at the CRAs to provide them with risk analysis of a debt security, in form of a credit rating,
which is instrumental to these investors' decision–making process. The risk originates due to two main factors: the ultimate mortgage holders never
having met the debtors, and the sheer complexity of these securities that comprise of parts of a plethora of loans. Most individual investors lack the
resources to gauge the creditworthiness of these loans. This

Commercial Freezer Research Paper
If your commercial freezer isn't freezing and you need to get it working right away, here are five things you can check on while waiting for your
technician to arrive. Having a commercial freezer down can cost your business a lot of money, which is why you should try to troubleshoot what is
wrong even before the technician arrives. #1 Defrost Timer If you turned your thermostat down to a colder temperature, and you noticed that your
freezer failed to get any colder, the defrost timer might be to blame. You can manually check the accuracy of your defrost timer. To do this, you need
to take a screwdriver and insert it into the advancement pinion. Then, turn the screwdriver clockwise. You don't need to make a full–turn; a quart or
half–turn... Show more content on Helpwriting.net ...
To see if the cold control has shorted out, take the two wires that are located at the cold control, and jump them together. If that gets your
compressor going, then your compressor is working just find. You just need to have your technician replace the cold control on your commercial
freezer. #3 Compressor In order for your freezer to stay cold, the compressor has to work properly. Your compressor should make the same, steady
sound as it works. It should almost just feel like background noise. If your compressor is instead making humming or clicking noises, a part inside
of it needs to be replaced. If you can't hear your compressor running at all, then there is defiantly a problem with it. Let your technician know how
your compressor sounds when you call them; this will help them know what to do when they get to your business. #4 Evaporator Coils The
evaporator coils are located in the rear of your freezer. Check them and see if they are frozen over. If they are frozen over, the air in your freezer will
not be able to pass over them and your freezer will not be able to stay cold. If they are frozen, you may need to remove the food from your freezer
and manually defrost it. Your technician may be able to defrost them more quickly for

Essay On Money Market
Emerging Economies Selected: India and China
Money Market
1.India
It is a market where short–term funds with maturity ranging from overnight to one year in India which are close substitutes of money even the
financial instruments. It had diversified from conventional platform of treasury bills and call money to commercial paper, certificates of deposit, repos,
forward rate agreements and most recently interest rate swaps.
"The money market fulfils the borrowing and investment requirements of providers and users of short–term funds, and balances the demand for and
supply of short–term funds by providing an equilibrium mechanism" (Money Market in India, 2017). It serves as a mechanism through which central
bank's intervention in the ... Show more content on Helpwriting.net ...
Commercial Paper
"It is an unsecured, short–term debt instrument issued by a corporation, typically for the financing of accounts receivable, inventories and meeting
short–term liabilities." Maturities on commercial paper is usually below one year. It's issued at a discount from face value and shows market interest
rates. It has collateral and so it is unsecured. It is usually issued by firms which have high credit rating.
India
It was introduced in India in 1990 and it is issued in the form of promissory note. "It was introduced in India with a view to enabling highly rated
corporate borrowers to diversify their sources of short–term borrowings and to provide an additional instrument to investors" (Singhania, Singh, &
Prajapat, 2016). "Subsequently, primary dealers and all–India financial institutions were also permitted to issue CP to enable them to meet their
short–term funding requirements for their operations" (Singhania, Singh, & Prajapat, 2016).
China
"In an effort to promote the direct funding of corporations, improve the liquidity of the shortened of the interest rate market and foster a more
responsive pricing of credit risk, in May 2005 the PBoC allowed non–financial firms to issue commercial paper (CP)" ("BRICs and Beyond", 2007). At
End–September 2006, this segment of the market was already worth ($33bn, or 1.3% of GDP), representing just over half of all non–bank corporate
interest–bearing liabilities and nearly 5% of the total market.

Commercial Vehicle Loan Research Paper

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