- After positive returns in the first three quarters of 2011, global markets saw negative returns in the second quarter due to normal volatility, though prospects for economic recession remain remote.
- While economic growth has slowed globally, it is still positive and temporary factors like disruptions from Japan's disasters and commodity price rises have contributed; leading indicators remain positive.
- European sovereign debt issues continue regarding some countries' debt levels and management, but efforts to address problems have been taken and debt is still seen as manageable.
- Outlook remains positive for continued growth in the second half of 2011 and beyond, though expect continued short-term market volatility; long-term discipline and diversification are recommended.
The document provides an economic summary for Q2 2010. Key points include:
- The economic recovery continued but slowed significantly, with a series of "W-patterns" expected due to ongoing risks.
- Consumer confidence and small business sentiment increased modestly while unemployment remained high.
- Volatility returned to global markets as the Euro crisis threatened the EU. The Euro declined against the dollar while other currencies like the GBP fluctuated.
- Mortgage rates hit record lows but housing indicators like new home sales remained weak, though a tax credit was extended.
1) Global HNWI wealth totaled $40.7 trillion in 2007, a 9.4% increase from 2006. The number of HNWIs grew to over 10 million, a 6% rise.
2) Emerging markets like the Middle East, Eastern Europe, and Latin America saw the largest increases in both HNWI populations and wealth. However, mature economies like the US and parts of Europe slowed significantly in the second half of 2007.
3) Real GDP growth decelerated slightly worldwide in 2007 to 5.1%, with the US slowing to 2.1% growth. However, Eastern Europe, Latin America, and Asia experienced stronger growth than in previous years, led by emerging
The document provides an asset allocation and market outlook for the second quarter of 2009 from BlackRock. It summarizes views on global equity, fixed income, currency and commodity markets. Key points include:
- Equity markets have rallied from oversold levels but volatility will likely continue; higher risk assets should outperform over 2009. Within equities, favor healthcare, energy and technology.
- For fixed income, focus on higher quality investments like agencies and select corporate bonds; municipal bonds remain attractive.
- The US dollar will likely strengthen with risk aversion and weaken with improved risk appetite. Oil prices should rise through 2009 as recovery signs emerge.
The document provides a quarterly analysis of market conditions from a senior analyst. It finds that while technical indicators are moderately bullish, sentiment has shifted to pessimism after the market correction. Liquidity remains sufficient due to central bank intervention, but credit growth is modest and not very productive. The fundamentals are concerning as economic reports have disappointed and earnings warnings have increased, suggesting growth needs to pick up in the second half for a positive outlook.
The document discusses the global financial crisis and its impact on India. It first defines recession as a period of declining GDP for at least two quarters. It then discusses how India's GDP declined in 2008 Q3. It explains that the US subprime mortgage crisis arose from rising mortgage defaults, which spread globally and impacted India through decreased exports, investment, and jobs as financial institutions cut costs.
February 2012 "State of the Debt Capital Markets"Brian Schofield
The document summarizes recent economic trends in the United States. It notes that while uncertainties remain regarding fiscal policy and the European debt crisis, the Federal Reserve has provided stability by communicating its plans to keep interest rates low until 2014. The U.S. economy showed signs of strength in 2011, with improving consumer spending and sentiment as well as job growth. Barring major setbacks, the outlook for continued growth in the U.S. economy remains positive in 2012.
Market Outlooks
We leverage a global network of investment consultants and researchers to deliver industry specific knowledge and dynamic tools, which allows our clients to make informed strategic investment decisions.
Long term capital market return assumptions 2011bfmresearch
The document provides J.P. Morgan Asset Management's long-term capital market return assumptions as of November 30, 2010. It includes their expected annualized compound returns over 10-15 years for various asset classes. It also includes the expected volatility and correlations between different asset classes.
The document provides an economic summary for Q2 2010. Key points include:
- The economic recovery continued but slowed significantly, with a series of "W-patterns" expected due to ongoing risks.
- Consumer confidence and small business sentiment increased modestly while unemployment remained high.
- Volatility returned to global markets as the Euro crisis threatened the EU. The Euro declined against the dollar while other currencies like the GBP fluctuated.
- Mortgage rates hit record lows but housing indicators like new home sales remained weak, though a tax credit was extended.
1) Global HNWI wealth totaled $40.7 trillion in 2007, a 9.4% increase from 2006. The number of HNWIs grew to over 10 million, a 6% rise.
2) Emerging markets like the Middle East, Eastern Europe, and Latin America saw the largest increases in both HNWI populations and wealth. However, mature economies like the US and parts of Europe slowed significantly in the second half of 2007.
3) Real GDP growth decelerated slightly worldwide in 2007 to 5.1%, with the US slowing to 2.1% growth. However, Eastern Europe, Latin America, and Asia experienced stronger growth than in previous years, led by emerging
The document provides an asset allocation and market outlook for the second quarter of 2009 from BlackRock. It summarizes views on global equity, fixed income, currency and commodity markets. Key points include:
- Equity markets have rallied from oversold levels but volatility will likely continue; higher risk assets should outperform over 2009. Within equities, favor healthcare, energy and technology.
- For fixed income, focus on higher quality investments like agencies and select corporate bonds; municipal bonds remain attractive.
- The US dollar will likely strengthen with risk aversion and weaken with improved risk appetite. Oil prices should rise through 2009 as recovery signs emerge.
The document provides a quarterly analysis of market conditions from a senior analyst. It finds that while technical indicators are moderately bullish, sentiment has shifted to pessimism after the market correction. Liquidity remains sufficient due to central bank intervention, but credit growth is modest and not very productive. The fundamentals are concerning as economic reports have disappointed and earnings warnings have increased, suggesting growth needs to pick up in the second half for a positive outlook.
The document discusses the global financial crisis and its impact on India. It first defines recession as a period of declining GDP for at least two quarters. It then discusses how India's GDP declined in 2008 Q3. It explains that the US subprime mortgage crisis arose from rising mortgage defaults, which spread globally and impacted India through decreased exports, investment, and jobs as financial institutions cut costs.
February 2012 "State of the Debt Capital Markets"Brian Schofield
The document summarizes recent economic trends in the United States. It notes that while uncertainties remain regarding fiscal policy and the European debt crisis, the Federal Reserve has provided stability by communicating its plans to keep interest rates low until 2014. The U.S. economy showed signs of strength in 2011, with improving consumer spending and sentiment as well as job growth. Barring major setbacks, the outlook for continued growth in the U.S. economy remains positive in 2012.
Market Outlooks
We leverage a global network of investment consultants and researchers to deliver industry specific knowledge and dynamic tools, which allows our clients to make informed strategic investment decisions.
Long term capital market return assumptions 2011bfmresearch
The document provides J.P. Morgan Asset Management's long-term capital market return assumptions as of November 30, 2010. It includes their expected annualized compound returns over 10-15 years for various asset classes. It also includes the expected volatility and correlations between different asset classes.
In the second quarter of 2010, global economic growth showed signs of moderating which drove investors to shift assets into safe havens like government bonds, the US dollar, and gold. Concerns over fiscal tightening in Europe, policy changes in China, and weaker US economic data contributed to the more risk-averse investor sentiment. The Canadian market declined in the quarter but outperformed other developed markets, led higher by gold stocks, while cyclical sectors tied to global growth fared worst.
The turm oil in financial markets across the globe caused by the rating downgrade of US Government debt by S&P will continue to haunt the Indian markets also for quite sometime to come.
The Determinants of Long-Term Japanese Government Bonds’ (JGBs) Low Nominal Y...pkconference
1) The document analyzes the determinants of low nominal yields on long-term Japanese government bonds (JGBs), despite Japan's high government debt levels.
2) It argues that Japan's monetary sovereignty and ability to issue debt in yen allows it to always service yen-denominated debt. Low short-term interest rates, set by the Bank of Japan, are the main driver of low long-term JGB yields.
3) Persistent low inflation and deflationary pressures, as well as sluggish economic growth, have also contributed to keeping JGB nominal yields low, while high public debt ratios have not pushed yields up as conventional theories predict.
The monthly market outlook report reiterates a view of a cyclical growth recovery starting in the third quarter of 2009, followed by a moderate structural recovery. While a strong business investment recovery is unlikely due to low capacity utilization and high costs, earnings results exceeded expectations in the second quarter due to tight cost controls. Reasonable valuations and cyclical improvement should support further equity gains.
Viewpoint Newsletter from Clear View Wealth Advisors with a focus on the role of dividend-paying stocks and the inflation-deflation debate. Also includes links to the free financial roadmap tool.
Mid Year Outlook for 2012 by LPL Financial Research | What the elections hold for investors |
In LPL’s 2012 Outlook, they predicted that finding a middle ground, or Meeting in the Middle, was going to be key for growth in the markets and economy. In particular, they’ve highlighted a key characteristic of this year:
“Soft sentiment and hard data find middle ground, meaning that we see a convergence between facts and feelings. So far, this has been reflected in economic and market data. Notably, at this year’s midpoint, the gap between consumer confidence and leading economic indicators has narrowed about halfway.” -LPL
The document provides an economic and market update and outlook for November 2012. It discusses recent performance and trends in global equity markets, the Indian economy and key sectors. The overall outlook is cautiously positive. The Indian economy is seen to have bottomed out, and further monetary easing and fiscal policy actions are expected to revive growth going forward. Private sector banks are favored over public sector banks based on better Q2 results.
The Global Economy No. 6 - September 11, 2012Swedbank
The document discusses developments in global monetary policy and the economic outlook. It notes that central banks, particularly the ECB and Federal Reserve, are expected to pursue more accommodative monetary policies to support growth. However, the effects on unemployment and real economic growth are expected to be small. More should be done through fiscal reforms and "unconventional fiscal policy" to boost growth. The ECB has launched a new bond-buying program called OMT, but its impact depends on reforms in crisis-hit countries and there are risks to the ECB's independence.
The document discusses the downgrading of the US credit rating and its potential effects. It notes that the US economy grew slowly in the first half of 2011 and consumer spending was low. The downgrade may lead to higher interest rates in the US and slower investment, though lower commodity prices could benefit India by reducing inflation and the current account deficit. There is uncertainty around how much the US slowdown will impact India's growth story. Some experts believe the impact will be temporary, while others see opportunities for India from a weaker dollar and decreased commodity prices in the "new normal" global economic environment.
The Protifolon series is brought to you by Bangladesh Online Research Network (BORN) www.bdresearch.org an information and knowledge intermediation initiative of D.Net in colloboration with Institute of Development Studies (IDS), University of Sussex, UK. (visit http://blog.masumbillah.net for more)
Thiet ke Bao cao thuong nien - Vietcapital 2008Viết Nội Dung
The annual report summarizes Viet Capital Fund's performance in 2008, a difficult year for the fund and markets. The fund lost 57% in value compared to a 66% loss for the market index. While the fund outperformed the market, its net asset value fell to VND 418 billion by year-end. The fund increased its cash position from 22% to 44% over the year as it focused on capital preservation during the market turmoil. Top holdings were reduced in industries like real estate that were hit hard by the economic downturn. Going forward, the fund will emphasize quality companies and maintain a risk-aware strategy while seeking recovery opportunities.
The document provides an economic and financial market outlook for December 2010. It makes the following key points:
1) The global economy has regained balance as growth fears subside. Emerging economies continue to drive growth, while advanced economies are recovering.
2) The US economy is gaining speed and the likelihood of a double-dip recession is now remote. Growth is expected to accelerate to 3.3% in 2011 and 3.6% in 2012 supported by business and consumer spending.
3) European sovereign debt issues pose ongoing risks but overall European growth is expected to continue, albeit at moderate levels of 1.7-1.9% through 2012.
The document summarizes the Reserve Bank of India's mid-year monetary policy review for 2011-12. It discusses the state of the global and domestic economies, outlook and projections, policy stance, and monetary measures. Key points include slowing growth in advanced economies and high inflation globally and domestically. The RBI revised down India's GDP growth projection to 7.6% while projecting inflation to ease to 7% by March 2012. The RBI raised its policy repo rate by 25 basis points while keeping an anti-inflationary stance. The review also covered interest rate policy, financial markets, stability, and credit delivery measures.
The Eurozone faces four options for its future governance:
1. Maastricht 2.0 - Modest efforts to enforce the existing constraints of the original Maastricht Treaty of 1992.
2. Coordinated association - Increased coordination between member states but no significant fiscal transfers or political integration.
3. Emergency union - Temporary fiscal transfers between member states in emergency situations but no permanent fiscal union.
4. Political union - A high degree of fiscal and political integration, essentially establishing a political union with a federal structure similar to the United States.
The Eurozone crisis involves issues beyond just debt and requires a clear vision and reforms to the governance structures to prevent future crises and
This global economic outlook gives Dun & Bradstreet's perspective on global business conditions. Based on its proprietary data and analytic insight, the outlook reviews business conditions for 2012 and gives insight on what to expect for 2013.
Indian equity markets performed strongly over the last month and year, with the Sensex and Nifty rising 4.9% and 5% respectively over the last month and 19.9% and 21.7% over the last year. Global equity markets also saw gains. Indian debt markets remained volatile, with yields on the 10-year G-sec falling 56 basis points over the last year. Gold and oil prices rose over the last year, but gains were modest over the last month. The rupee depreciated slightly against the dollar. Overall, most markets saw gains in the last year but momentum slowed in the last month.
The document provides an economic and market update for August 2012, analyzing factors such as global economic conditions, domestic economic growth and inflation trends, performance of key equity and debt markets, and providing an outlook on various sectors and the overall market. It notes recent monetary policy actions by central banks and analyzes their likely impact, while also offering recommendations to investors on portfolio rebalancing and positioning across different asset classes.
El documento presenta un plan de estudios para la asignatura de Estadística. Incluye competencias, contenidos, estrategias didácticas y productos esperados organizados en 6 secciones que cubren teorías y técnicas estadísticas como escalas de medición, tipos de variables, distribuciones normales y pruebas de hipótesis paramétricas y no paramétricas.
In the second quarter of 2010, global economic growth showed signs of moderating which drove investors to shift assets into safe havens like government bonds, the US dollar, and gold. Concerns over fiscal tightening in Europe, policy changes in China, and weaker US economic data contributed to the more risk-averse investor sentiment. The Canadian market declined in the quarter but outperformed other developed markets, led higher by gold stocks, while cyclical sectors tied to global growth fared worst.
The turm oil in financial markets across the globe caused by the rating downgrade of US Government debt by S&P will continue to haunt the Indian markets also for quite sometime to come.
The Determinants of Long-Term Japanese Government Bonds’ (JGBs) Low Nominal Y...pkconference
1) The document analyzes the determinants of low nominal yields on long-term Japanese government bonds (JGBs), despite Japan's high government debt levels.
2) It argues that Japan's monetary sovereignty and ability to issue debt in yen allows it to always service yen-denominated debt. Low short-term interest rates, set by the Bank of Japan, are the main driver of low long-term JGB yields.
3) Persistent low inflation and deflationary pressures, as well as sluggish economic growth, have also contributed to keeping JGB nominal yields low, while high public debt ratios have not pushed yields up as conventional theories predict.
The monthly market outlook report reiterates a view of a cyclical growth recovery starting in the third quarter of 2009, followed by a moderate structural recovery. While a strong business investment recovery is unlikely due to low capacity utilization and high costs, earnings results exceeded expectations in the second quarter due to tight cost controls. Reasonable valuations and cyclical improvement should support further equity gains.
Viewpoint Newsletter from Clear View Wealth Advisors with a focus on the role of dividend-paying stocks and the inflation-deflation debate. Also includes links to the free financial roadmap tool.
Mid Year Outlook for 2012 by LPL Financial Research | What the elections hold for investors |
In LPL’s 2012 Outlook, they predicted that finding a middle ground, or Meeting in the Middle, was going to be key for growth in the markets and economy. In particular, they’ve highlighted a key characteristic of this year:
“Soft sentiment and hard data find middle ground, meaning that we see a convergence between facts and feelings. So far, this has been reflected in economic and market data. Notably, at this year’s midpoint, the gap between consumer confidence and leading economic indicators has narrowed about halfway.” -LPL
The document provides an economic and market update and outlook for November 2012. It discusses recent performance and trends in global equity markets, the Indian economy and key sectors. The overall outlook is cautiously positive. The Indian economy is seen to have bottomed out, and further monetary easing and fiscal policy actions are expected to revive growth going forward. Private sector banks are favored over public sector banks based on better Q2 results.
The Global Economy No. 6 - September 11, 2012Swedbank
The document discusses developments in global monetary policy and the economic outlook. It notes that central banks, particularly the ECB and Federal Reserve, are expected to pursue more accommodative monetary policies to support growth. However, the effects on unemployment and real economic growth are expected to be small. More should be done through fiscal reforms and "unconventional fiscal policy" to boost growth. The ECB has launched a new bond-buying program called OMT, but its impact depends on reforms in crisis-hit countries and there are risks to the ECB's independence.
The document discusses the downgrading of the US credit rating and its potential effects. It notes that the US economy grew slowly in the first half of 2011 and consumer spending was low. The downgrade may lead to higher interest rates in the US and slower investment, though lower commodity prices could benefit India by reducing inflation and the current account deficit. There is uncertainty around how much the US slowdown will impact India's growth story. Some experts believe the impact will be temporary, while others see opportunities for India from a weaker dollar and decreased commodity prices in the "new normal" global economic environment.
The Protifolon series is brought to you by Bangladesh Online Research Network (BORN) www.bdresearch.org an information and knowledge intermediation initiative of D.Net in colloboration with Institute of Development Studies (IDS), University of Sussex, UK. (visit http://blog.masumbillah.net for more)
Thiet ke Bao cao thuong nien - Vietcapital 2008Viết Nội Dung
The annual report summarizes Viet Capital Fund's performance in 2008, a difficult year for the fund and markets. The fund lost 57% in value compared to a 66% loss for the market index. While the fund outperformed the market, its net asset value fell to VND 418 billion by year-end. The fund increased its cash position from 22% to 44% over the year as it focused on capital preservation during the market turmoil. Top holdings were reduced in industries like real estate that were hit hard by the economic downturn. Going forward, the fund will emphasize quality companies and maintain a risk-aware strategy while seeking recovery opportunities.
The document provides an economic and financial market outlook for December 2010. It makes the following key points:
1) The global economy has regained balance as growth fears subside. Emerging economies continue to drive growth, while advanced economies are recovering.
2) The US economy is gaining speed and the likelihood of a double-dip recession is now remote. Growth is expected to accelerate to 3.3% in 2011 and 3.6% in 2012 supported by business and consumer spending.
3) European sovereign debt issues pose ongoing risks but overall European growth is expected to continue, albeit at moderate levels of 1.7-1.9% through 2012.
The document summarizes the Reserve Bank of India's mid-year monetary policy review for 2011-12. It discusses the state of the global and domestic economies, outlook and projections, policy stance, and monetary measures. Key points include slowing growth in advanced economies and high inflation globally and domestically. The RBI revised down India's GDP growth projection to 7.6% while projecting inflation to ease to 7% by March 2012. The RBI raised its policy repo rate by 25 basis points while keeping an anti-inflationary stance. The review also covered interest rate policy, financial markets, stability, and credit delivery measures.
The Eurozone faces four options for its future governance:
1. Maastricht 2.0 - Modest efforts to enforce the existing constraints of the original Maastricht Treaty of 1992.
2. Coordinated association - Increased coordination between member states but no significant fiscal transfers or political integration.
3. Emergency union - Temporary fiscal transfers between member states in emergency situations but no permanent fiscal union.
4. Political union - A high degree of fiscal and political integration, essentially establishing a political union with a federal structure similar to the United States.
The Eurozone crisis involves issues beyond just debt and requires a clear vision and reforms to the governance structures to prevent future crises and
This global economic outlook gives Dun & Bradstreet's perspective on global business conditions. Based on its proprietary data and analytic insight, the outlook reviews business conditions for 2012 and gives insight on what to expect for 2013.
Indian equity markets performed strongly over the last month and year, with the Sensex and Nifty rising 4.9% and 5% respectively over the last month and 19.9% and 21.7% over the last year. Global equity markets also saw gains. Indian debt markets remained volatile, with yields on the 10-year G-sec falling 56 basis points over the last year. Gold and oil prices rose over the last year, but gains were modest over the last month. The rupee depreciated slightly against the dollar. Overall, most markets saw gains in the last year but momentum slowed in the last month.
The document provides an economic and market update for August 2012, analyzing factors such as global economic conditions, domestic economic growth and inflation trends, performance of key equity and debt markets, and providing an outlook on various sectors and the overall market. It notes recent monetary policy actions by central banks and analyzes their likely impact, while also offering recommendations to investors on portfolio rebalancing and positioning across different asset classes.
El documento presenta un plan de estudios para la asignatura de Estadística. Incluye competencias, contenidos, estrategias didácticas y productos esperados organizados en 6 secciones que cubren teorías y técnicas estadísticas como escalas de medición, tipos de variables, distribuciones normales y pruebas de hipótesis paramétricas y no paramétricas.
This document summarizes the Nordic Seed Capital Summit. It begins by welcoming attendees to the summit hosted by Nordic Innovation. The summit will feature Kari Winquist, Managing Director of Nordic Innovation, discussing developing a well-functioning Nordic risk capital market through public initiatives and focusing on all stages of the capital food chain. It will also cover utilizing established Nordic cooperation to help Nordic companies internationalize through Nordic Innovation's Nordic to Global and Nordic-European Public Investor initiatives.
Fotos ecos 31 sep 2014- Visita de las tres Marías de Murcia a Camerúngounougaya
Las tres Marías de Murcia viajaron a Yaundé, la capital de Camerún, en la última quincena de agosto de 2014. El misionero javeriano Ángel de la Victoria León presentó fotos de este viaje.
Sítio em Vila Margarida no Município de Marechal Cândido Rondon, Paraná.PauloGaspar10
A empresa de tecnologia anunciou um novo smartphone com câmera aprimorada, processador mais rápido e bateria de maior duração. O dispositivo também possui tela maior e armazenamento expansível, com preço sugerido a partir de US$799. Analistas esperam que o aparelho ajude a empresa a aumentar sua participação no competitivo mercado de smartphones.
تقرير يقف على أبرز الانتهاكات التي تعرض لها طلاب جامعة المنصورة منذ الـ30من يونيو2013 وحتى مارس2015 من اعتقال تعسفي وإخفاء قسري وتعذيب وإحالات للقضاء العسكري وغيره..
-سجنك حرية
El documento resume el conflicto entre Perú y Ecuador conocido como la Guerra del Cenepa, que ocurrió entre enero y febrero de 1995 en la Cordillera del Cóndor. Desde 1941, Ecuador ha reclamado territorio peruano a lo largo de la frontera y ha realizado incursiones militares en la zona. A pesar de un laudo arbitral de 1945 que estableció la frontera siguiendo la línea de altas cumbres, Ecuador continuó desconociendo el acuerdo fronterizo y provocando incidentes. Esto llev
Este documento es una respuesta a las declaraciones de la Consejera de Educación de Andalucía, Mar Moreno, sobre su intención de examinar con más detalle los conciertos educativos. La respuesta sugiere que la Consejera aplique el mismo nivel de escrutinio a otras áreas del gobierno. También argumenta que los colegios concertados cumplen la ley y ofrecen una educación de calidad a costo menor para el gobierno. Finalmente, pide que no se enfrenten las redes educativas públicas
Los nuevos medios son la convergencia de la informática y los medios de comunicación, representados numéricamente y compuestos de módulos que pueden modificarse individualmente. Permiten la automatización de tareas mediante la representación digital y la variabilidad de formatos a través de la transcodificación. A pesar de creencias comunes, los nuevos medios no necesariamente contienen más información y los antiguos medios también permitían cierta interactividad del usuario.
El documento describe los virus de computadora, cómo se propagan e infectan sistemas, y las clasificaciones de virus y antivirus. Explica que los virus tienen el objetivo de propagarse a través de software y replicarse a sí mismos, mientras que los antivirus identifican y eliminan virus mediante actualizaciones automáticas y protegen sistemas de forma fácil de usar. También proporciona ejemplos de algunos virus y antivirus comunes.
El documento presenta una propuesta para analizar el huracán Karl mediante preguntas y una investigación grupal. Los estudiantes se dividirán en 5 equipos para generar preguntas sobre los hechos, efectos y medidas tomadas durante el huracán Karl de 2010. Luego investigarán conceptos como la formación y categorías de huracanes, consecuencias, y acciones de protección civil para concientizar sobre la influencia humana en el medio ambiente.
El poema habla sobre dejar versos escritos en el viento para que no se olvide al amado, y la luna susurrará su nombre para recordarlo. Aunque deba alejarse, tendrán la eternidad para extrañarse, y el poeta dejará su corazón mientras la amada le dará una rosa, con la que morirá cuando sea cortada.
El documento describe cómo el autor modificó sus conceptos de enseñanza de historia y adoptó un enfoque de "situación-problema". Aprendió que los estudiantes deben aprender sobre su entorno local e investigar temas que les interesen. Analizó su práctica docente y cuestionó cómo y por qué enseña historia. Esto lo llevó a implementar estrategias más dinámicas para hacer la clase más interesante para los estudiantes y hacerlos más participativos e investigadores.
El documento proporciona una explicación breve de la forma, uso y adverbios del Presente Simple en inglés. Explica que se utiliza para hablar sobre acciones habituales y ofrece ejemplos de su forma afirmativa, negativa e interrogativa, así como ejemplos comunes de adverbios de frecuencia que se pueden usar con él.
Economies worldwide have rebounded since the 2008
Financial Crisis, along with rising global equity and
tightening credit markets. Even the rebound in earnings
growth and profit margins has been remarkable. Yet, the
U.S. economic growth hasn’t broken out as hoped, after
significant global fiscal and monetary stimulus, including
slashing interest rates. Unemployment remains high and
volatility has been unnerving for investors. Learn more at: www.nafcu.org/nifcus
Dr. Michael Hasenstab provides an analysis of factors that will differentiate the recoveries of various countries from the global economic crisis. He believes emerging markets will recover more quickly than developed markets due to emerging markets' stronger domestic economies and less reliance on exports, more effective policy responses, and avoidance of issues like high public debt and private sector leverage plaguing developed nations. Recent economic trends support this view, with emerging markets showing stronger growth, job creation, and capital inflows. Hasenstab also discusses opportunities in foreign exchange and bond markets stemming from divergence in recoveries.
If U.S. politics do not derail the recovery, pent-up demand can drive faster economic growth. Fixed-income outflows appear likely to continue, pushing rates higher.
This document summarizes the key findings of the 2008 World Wealth Report. It finds that in 2007:
1) The number of HNWIs grew to 10.1 million globally, with total wealth reaching $40.7 trillion. Emerging markets saw the strongest growth in HNWI populations.
2) The global economy experienced strong growth in the first half of 2007 but diverged in the second half, with emerging markets like China, India, and Brazil continuing to outperform mature economies as the US economy slowed.
3) HNWIs adopted a more defensive investment approach in the second half of 2007, favoring safer assets, in response to economic uncertainty in mature markets.
EY Global Market Outlook 2016 - Trends in Real Estate Private EquityThorsten Lederer 托尔斯滕
We are heading into new economic territory as 2015 draws to a close, and with this comes a new environment for real estate fund managers that have become accustomed to low interest rates and rising values. Many fund managers are lightly tapping the brakes given competition for deals, an abundance of debt and equity capital, and an awareness of the typical duration of a real estate bull market. What does this mean for the industry? Read more in this EY publication.
We expect rate volatility to remain high as Fed tapering continues and as the U.S. labor market struggles to normalize. In Europe, the European Central Bank has moved a step closer to easier monetary policy, which may drive further spread compression in peripheral sovereign bonds. Recent stability in emerging-market asset markets suggests better data for developing countries could be on the horizon. Our outlook for credit, prepayment, and liquidity risks remains positive.
This document provides a summary of the global economic outlook and trends for retailers to consider. It discusses slowing economic growth in many leading markets in 2012. In Europe, government spending cuts and debt issues are weakening economies and confidence. In the US, uncertainty around fiscal policy is hurting markets. China is also slowing after monetary tightening. Some positives for retailers include potential margin improvements from lower commodity prices and inflation in some countries. Long term global growth prospects remain strong, especially in emerging markets.
1) China's economic growth is slowing considerably, with the risk of a "hard landing" increased. GDP growth is projected to be just below 8% this year with moderate stimulus to counter the slowdown.
2) A hard landing in China's economy could have significant negative effects on the global economy as China accounts for around 50% of global growth. It would also impact financial, commodity, and trade markets.
3) Slower growth in China would negatively affect exporting countries and commodity prices, with countries like Germany, Japan, Sweden, the US, Australia, Indonesia, and Brazil feeling the effects. It could also cause turbulence in global financial markets.
MTBiz is for you if you are looking for contemporary information on business, economy and especially on banking industry of Bangladesh. You would also find periodical information on Global Economy and Commodity Markets.
Whats Ahead In 2012 - An Investment Perspective (Spring Update)scottmeek
The document provides an investment perspective and outlook for 2012 from BlackRock. Some key points:
1) The US economy is expected to continue modest growth in 2012, which should be enough to support further stock market gains.
2) Bond yields have risen but a significant bond bear market is not expected. Higher yields alone are not seen as an impediment to stocks.
3) Stocks had strong gains in Q1 2012 and further gains are expected for the year, though at a slower pace. Outperformance of US stocks and sectors focusing on free cash flow and dividends are recommended.
No bubble trouble; stocks are still reasonably priced. This credit cycle has unique characteristics that continue to make high-yield bonds attractive. Interest-rate volatility poses greater risk than higher rates themselves.
The global economy continues its recovery but remains fragile with several challenges. While inflation is rising in emerging markets, developed countries still face low underlying inflation and structural problems requiring reforms. Interest rate increases in Europe and the US could jeopardize the recovery if done too soon. Demands for political reforms in the Middle East add uncertainty. Both the US and Europe must address high debt and weak growth through budget consolidation and reforms. The eurozone needs stronger institutions to improve collaboration between countries.
The document discusses the threat of economic stagnation in Western countries and the challenges of austerity. It argues that while austerity measures may seem moderate from a regional perspective, they have profoundly negative effects on individual crisis-struck countries. Stimulus packages implemented in response to the financial crisis should have been combined with structural reforms. Different types of recessions require different policy responses - balance sheet recessions like in the US need continued fiscal support, while Southern European crises stem more from structural issues and require fiscal consolidation paired with reforms.
Vietnam's Recent Economic Development 2013Quynh LE
This report provides an update on Vietnam's recent economic developments. It summarizes that global growth is stabilizing at a moderate pace, though recovery in industrial production has been uneven across countries. Financial market conditions have improved due to monetary easing, but capital costs for developing countries are rising as risks in high-income countries recede. Inflation remains benign in most countries, prompting further monetary policy easing. Trade growth has slowed after a cyclical rebound, while most commodity prices have weakened in response to increased supply and substitution.
The document discusses the state of the US economy and debt financing markets for middle market companies. It notes that while the economic recovery remains fragile, modest growth in areas like manufacturing, personal income and expenditures, coupled with continued federal stimulus, should allow the economy to continue growing without a second recession. However, unemployment will remain high as productivity gains allow more output with fewer workers. Debt markets have also seen renewed activity, with increased volumes in both the leveraged loan and high yield bond markets.
1) The document discusses the ongoing process of deleveraging (reducing debt levels) in developed countries since the 2008 financial crisis. It focuses on the experiences of the US, UK, and Spain.
2) US households have reduced their debt levels the most so far (4% decrease), possibly being halfway through the deleveraging process. UK and Spanish households have deleveraged much less (under 1% decrease).
3) Historical examples suggest countries can take 5-7 years to complete deleveraging. Private sector debt reduction typically precedes public sector deleveraging, which usually only occurs after GDP growth rebounds.
Colliers International Highlights_Retail_na_2011_q4Coy Davidson
Brick-and-mortar retail stores are poised to adapt to changing consumer behaviors in 2012. While store closings may not be immediate, retailers are likely to consider smaller store footprints. Landlords must proactively market and manage their properties to attract cash-strapped but deal-seeking consumers. While low inventory drove investment in 2011, more risk-taking is expected this year due to high cap rates and limited core retail properties. Colliers Retail identifies nine trends to watch in 2012, including strategic acquisitions and a focus on exclusive products. The U.S. economy is expected to see "stingy growth" in 2012, impacted by issues in Europe, with retail sales and real estate facing
2012 global credit outlook sovereign debt problems weigh on a mostly tepid fo...Pim Piepers
The document summarizes Standard & Poor's outlook for global credit markets in 2012. Key points include:
- Sovereign debt problems in Europe and potential fiscal tightening in the US increase uncertainty and risk of recession.
- The US recovery is expected to continue but unemployment will likely remain above 8%. Growth in emerging markets should be solid.
- European economies will likely see continued recession in the first half of 2012 driven by weak demand, tight credit conditions, and high unemployment. Housing markets will remain weak except in the UK.
2 william blair global market outlook - december 2013123jumpad
- Developed markets significantly outperformed emerging markets in 2013, led by the US which returned 29%. This was driven by multiple expansion rather than earnings growth.
- Going forward, growth is expected to strengthen in developed markets like the US, Europe, and Japan as economic recoveries become more durable. Meanwhile, emerging markets that had relied on credit-driven growth are facing slower growth as stimulus is removed.
- Within the US, the recovery is progressing with improving housing and job trends. Wage growth is also accelerating, supporting consumption. However, the stock market is nearing the top of its valuation range and may be pricing in too much optimism about the recovery.
1) Having children requires considerable financial planning and expenditure to meet their present and future needs from diapers through education. This includes providing for their care and protection if you become unable.
2) Government programs can help with costs like maternity leave, child care, and education savings but have income limits. Life insurance and disability coverage are important to financially protect your family.
3) Housing and school choices are major decisions as children grow. Saving early in registered education savings plans maximizes benefits and financial aid eligibility for post-secondary education. Comprehensive financial planning is important every step of the way.
This document discusses various types of life insurance policies and considerations for mortgage protection. It describes term life insurance, which provides coverage for a specified period of time and has premiums that increase with each renewal. It also describes permanent life insurance options like whole life and universal life, which provide lifetime coverage as long as premiums are paid, and can have guaranteed or flexible premium amounts. The document also notes that mortgage life insurance can pay the remaining balance directly to the lender upon death but the policyholder has no control over it. It stresses the importance of reviewing insurance needs over time to ensure adequate protection and contingency planning.
1) Separating and divorce creates financial uncertainty but with wise counsel, implications can be managed.
2) Parties should involve themselves in family finances well before separating to understand costs and assets.
3) Approaching issues with revenge will inflict pain on all, especially children, so counseling is recommended to minimize damage.
This document discusses several financial strategies for adult children to help their aging parents plan for the future. It recommends gathering information about parents' assets, income, and expenses. It also suggests reviewing insurance policies and determining if parents should enroll in long-term care plans. The document provides advice on setting up trusts, business succession plans, and powers of attorney to prepare for incapacity and ensure parents' needs are met. The key is for adult children to broach the topic sensitively with parents to work together on the financial planning.
1) Making RRSP contributions provides tax savings that can be used to fund an RESP for children, allowing parents to save for retirement and education at the same time through a "double-dip" strategy.
2) The RESP is also eligible for government grants like the CES Grant worth 20% of the first $2,500 contributed annually.
3) Starting RRSP contributions now through a PAC plan allows savings to grow tax-deferred over the long run while freeing up tax refunds for RESP contributions.
The document provides 10 tips for using a Tax-Free Savings Account (TFSA) effectively. Some key tips include maximizing annual TFSA contributions, using tax refunds to contribute, allowing investments to grow tax-free for as long as possible without withdrawals, and contributing for a spouse or partner to double the family's annual contribution limits. Expert financial advice can help determine the best strategy for each individual's retirement planning.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
Fabular Frames and the Four Ratio ProblemMajid Iqbal
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Mid Year Market Review
1. Mid-Year Market Review 2011
Current market pause
Scott Penman, Executive Vice-President and Chief Investment Officer I.G. Investment Management, Ltd.
is normal
After three consecutive quarters of economic output as measured by rhetoric, the need for action in the
positive returns, global markets Gross Domestic Product. Eurozone form of cuts in spending and
registered a negative quarterly return member states have proven to be increases in revenue are unavoidable.
in the second quarter this year. Capital highly resourceful in managing the
markets are inherently volatile, debt situation through concerted
especially when measuring shorter efforts in the form of bailouts through
Headlines driving
periods. Over longer periods of time a newly formed European Financial
market sentiment
this volatility diminishes, leading to Stability Fund. Countries have no We have said it before and we will say
attractive risk adjusted returns as choice but to implement austerity it again! It is common for the economy
outlined later on in this report. measures following years of and capital markets after taking steps
mismanaged public finances. forward to pause and appraise the
future. After a swift advance from
U.S. debt. Both household and
early July 2010 through to March
government debt have been a focus
2011, markets need time to digest
for the media. There has been little
Economic growth. The global new-found levels.
recognition for the more recent
economy is still growing, but at a
improvements in household debt Prospects for an economic recession
slower pace than experienced in the
levels. Notably the savings rate and are remote. Our analysis of past U.S.
last half of 2010, and at a lower rate
net worth for households has economic cycles show that three
of growth than had previously been
increased and, at the same time, critical factors need to be in place for
expected. The reasons are likely
household debt levels have declined a recession to occur; an inverted yield
temporary and, in part, due to the
for ten consecutive quarters. This curve, a year over year decline in
global supply chain impact resulting
momentum needs to continue, but leading economic indicators and, a
from the tragic events in Japan as
progress is evident. reversal in the trend of initial jobless
well as from the impact of rising
claims. None of these conditions exist
commodity prices (which in many The debt situation at all levels of
today, and specifically we are
cases have recently leveled off or government led Standard and Poor’s
experiencing:
dropped). China has also engineered to opine that there was a
a slowdown through policy initiative to “deteriorating outlook” which gained n A steepening yield curve. The yield
contain its domestic growth at a huge media attention despite the fact curve identifies interest rate yields
manageable pace. For context, recent and, within the same opinion, the U.S. at various term intervals. Currently,
economic indicators foretell nowhere government retained their top tier two year U.S. government bonds
near the slowdown witnessed a credit rating status, Even with these yield 0.47% while 10 year bonds have
year ago. high levels of debt, interest rates a yield of 3.11%. This represents a
continue to hover near record low steepening yield curve with longer
European sovereign debt. As was the levels which has the impact of terms having higher yields, rather
case a year ago, issues continue lowering debt service costs and than an inverted yield curve where
regarding select European country showing evidence that lenders who short term yield exceed longer
debt levels, mismanagement and fund U.S government debt are term yields.
poor fiscal policies, and its potential confident that the debt situation is
impact on the markets. Attention has manageable and, contrary to the
shifted from Ireland and Portugal to doomsayers, there is no risk of
Greece, which incredibly only default Budget deficits have to be
accounts for 2.5% of Europe’s entire dealt with and, despite political