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| financial stress percentile meaning: Coherent Stress Testing Riccardo Rebonato, 2010-06-10 In Coherent Stress Testing: A Bayesian Approach, industry expert Riccardo Rebonato presents a groundbreaking new approach to this important but often undervalued part of the risk management toolkit. Based on the author's extensive work, research and presentations in the area, the book fills a gap in quantitative risk management by introducing a new and very intuitively appealing approach to stress testing based on expert judgement and Bayesian networks. It constitutes a radical departure from the traditional statistical methodologies based on Economic Capital or Extreme-Value-Theory approaches. The book is split into four parts. Part I looks at stress testing and at its role in modern risk management. It discusses the distinctions between risk and uncertainty, the different types of probability that are used in risk management today and for which tasks they are best used. Stress testing is positioned as a bridge between the statistical areas where VaR can be effective and the domain of total Keynesian uncertainty. Part II lays down the quantitative foundations for the concepts described in the rest of the book. Part III takes readers through the application of the tools discussed in part II, and introduces two different systematic approaches to obtaining a coherent stress testing output that can satisfy the needs of industry users and regulators. In part IV the author addresses more practical questions such as embedding the suggestions of the book into a viable governance structure. |
| financial stress percentile meaning: Stress Solutions for Pregnant Moms Susan Andrews, Ph.D., 2012-05-08 In this cutting-edge work, neuropsychologist Dr. Susan Andrews shows why too much stress during pregnancy can increase the risk of childhood problems--and how you can stay in balance and boost your baby’s potential with simple, effective stress solutions. As Stress Solutions for Pregnant Moms shows, managing stress could be just as important to your child’s health as avoiding smoking and alcohol while pregnant. Emerging new evidence is now linking too much stress during pregnancy to a higher risk for childhood emotional, physical, and behavioral problems, including preterm birth, ADHD, and learning disabilities. Not all stress, of course, is bad. The problem comes when we fail to recognize that the buildup of pressure and tension is tipping us into a danger zone. In Stress Solutions for Pregnant Moms, the first book of its kind, Dr. Susan Andrews provides effective and easy-to-use solutions to help pregnant women everywhere quickly measure and gently manage their stress levels: • Self-assessments to discover your daily stress levels • Checklists of warning signs of too much stress • A simple formula to calculate exactly how much relaxation and stress reduction you personally need each day to keep your body in balance • A resource guide filled with more than 30 techniques to relax and lower dangerous cortisol levels-allowing you to reduce wear and tear on your body and boost your baby’s potential for physical and emotional well-being. “An indispensable handbook for every mother-to-be....Timely, practical, and empowering.” -DANIEL G. AMEN, MD, author of Change Your Brain, Change Your Life and Healing ADD “Stress Solutions for Pregnant Moms is simply brilliant. By understanding the lifelong impact of excess stress on her baby, and knowing exactly how to alleviate it, this book gives pregnant women everywhere the ability to provide the best possible start for their children.” -CHRISTIANE NORTHRUP, MD, author of Women’s Bodies, Women’s Wisdom and The Wisdom of Menopause “Be at ease. Susan Andrews shows us why knowing about stress is an essential key in creating harmony and health during a mother's journey. She provides tips and exercises...that will improve your day.” -DON CAMPBELL, author of The Mozart Effect and Healing at the Speed of Sound |
| financial stress percentile meaning: Adequacy of Fund Resources—Further Considerations International Monetary Fund. Finance Dept., International Monetary Fund. Strategy, Policy, & Review Department, 2021-03-05 This paper is part of the workplan on the 15th General Review of Quotas (15th Review). The paper provides a two-pillar framework for assessing the adequacy of Fund resources, building on the staff paper discussed by the Board in March 2016. The second pillar of the framework is qualitative in nature. The paper also provides information to support a discussion on the mix of Fund resources. |
| financial stress percentile meaning: Credit Crises Bruce G. Stevenson, 2024-03-07 Credit crises are catastrophic events in which banks and lenders suffer extreme losses when loans and other credit instruments default on a large scale and cause banks to fail in extraordinary numbers. Massive loss of economic value ensues, threatening the viability of national economies and the global financial system. The most recent credit crises, the 2007 Subprime Mortgage Crisis and 2007-2009 Great Recession, have striking parallels to the Roaring Twenties and the Great Depression. In both periods, rapid increases in the value of residential real estate fueled speculation in the housing and equity markets, and when the real estate bubbles burst, massive recessions and unemployment followed. In the eighty years between these catastrophes, several other credit crises occurred including a real estate investment trust crisis in the mid-1970s and a commercial real estate crisis in the late 1980s and early 1990s. Credit Crises: The Role of Excess Capital provides the first definitive explanation for these repetitive catastrophes: the Excess Capital Hypothesis (ECH). Written for bankers, bank regulators, finance professionals, and policymakers, Credit Crises provides a detailed explanation of how excess capital has been the driver of past credit crises. The ECH is the definitive roadmap for mitigating credit crises, and Credit Crises offers recommendations to bankers, bank regulators, and policymakers on how to prevent and lessen future crises. |
| financial stress percentile meaning: International Convergence of Capital Measurement and Capital Standards , 2004 |
| financial stress percentile meaning: Costa Rica International Monetary Fund. Western Hemisphere Dept., 2017-06-27 Selected Issues and Analytical Notes |
| financial stress percentile meaning: The College Stress Test Robert Zemsky, Susan Shaman, Susan Campbell Baldridge, 2020-02-25 Provides an insightful analysis of the market stresses that threaten the viability of some of America's colleges and universities while delivering a powerful predictive tool to measure an institution's risk of closure. In The College Stress Test, Robert Zemsky, Susan Shaman, and Susan Campbell Baldridge present readers with a full, frank, and informed discussion about college and university closures. Drawing on the massive institutional data set available from IPEDS (the Integrated Postsecondary Education Data System), they build a stress test for estimating the market viability of more than 2,800 undergraduate institutions. They examine four key variables—new student enrollments, net cash price, student retention, and major external funding—to gauge whether an institution is potentially at risk of considering closure or merging with another school. They also assess student body demographics to see which students are commonly served by institutions experiencing market stress. The book's appendix includes a powerful do-it-yourself tool that institutions can apply, using their own IPEDS data, to understand their level of risk. The book's underlying statistical analysis makes clear that closings will not be nearly as prevalent as many prognosticators are predicting and will in fact impact relatively few students. The authors argue that just 10 percent or fewer of the nation's colleges and universities face substantial market risk, while 60 percent face little or no market risk. The remaining 30 percent of institutions, the authors find, are bound to struggle. To thrive, the book advises, these schools will need to reconsider the curricula they deliver, the prices they charge, and their willingness to experiment with new modes of instruction. The College Stress Test provides an urgently needed road map at a moment when the higher education terrain is shifting. Those interested in and responsible for the fate of these institutions will find in this book a clearly defined set of risk indicators, a methodology for monitoring progress over time, and an evidence-based understanding of where they reside in the landscape of institutional risk. |
| financial stress percentile meaning: Agricultural Finance Review , 2004 |
| financial stress percentile meaning: Coping with pandemic and infodemic stress: A multidisciplinary perspective Alexander V. Libin, Elena V. Libin, Hubert Annen, Nawar Shara, 2023-07-20 |
| financial stress percentile meaning: Small Area Estimation and Microsimulation Modeling Azizur Rahman, Ann Harding, 2016-11-30 Small Area Estimation and Microsimulation Modeling is the first practical handbook that comprehensively presents modern statistical SAE methods in the framework of ultramodern spatial microsimulation modeling while providing the novel approach of creating synthetic spatial microdata. Along with describing the necessary theories and their advantages and limitations, the authors illustrate the practical application of the techniques to a large number of substantive problems, including how to build up models, organize and link data, create synthetic microdata, conduct analyses, yield informative tables and graphs, and evaluate how the findings effectively support the decision making processes in government and non-government organizations. Features Covers both theoretical and applied aspects for real-world comparative research and regional statistics production Thoroughly explains how microsimulation modeling technology can be constructed using available datasets for reliable small area statistics Provides SAS codes that allow readers to utilize these latest technologies in their own work. This book is designed for advanced graduate students, academics, professionals and applied practitioners who are generally interested in small area estimation and/or microsimulation modeling and dealing with vital issues in social and behavioural sciences, applied economics and policy analysis, government and/or social statistics, health sciences, business, psychology, environmental and agriculture modeling, computational statistics and data simulation, spatial statistics, transport and urban planning, and geospatial modeling. Dr Azizur Rahman is a Senior Lecturer in Statistics and convenor of the Graduate Program in Applied Statistics at the Charles Sturt University, and an Adjunct Associate Professor of Public Health and Biostatistics at the University of Canberra. His research encompasses small area estimation, applied economics, microsimulation modeling, Bayesian inference and public health. He has more than 60 scholarly publications including two books. Dr. Rahman’s research is funded by the Australian Federal and State Governments, and he serves on a range of editorial boards including the International Journal of Microsimulation (IJM). Professor Ann Harding, AO is an Emeritus Professor of Applied Economics and Social Policy at the National Centre for Social and Economic Modelling (NATSEM) of the University of Canberra. She was the founder and inaugural Director of this world class Research Centre for more than sixteen years, and also a co-founder of the International Microsimulation Association (IMA) and served as the inaugural elected president of IMA from 2004 to 2011. She is a fellow of the Academy of the Social Sciences in Australia. She has more than 300 publications including several books in microsimulation modeling. |
| financial stress percentile meaning: Evaluating the Net Benefits of Macroprudential Policy Mr.Nicolas Arregui, Mr.Jaromir Benes, Mr.Ivo Krznar, Ms.Srobona Mitra, Mr.Andre Santos, 2013-07-17 The paper proposes a simple, new, analytical framework for assessing the cost and benefits of macroprudential policies. It proposes a measure of net benefits in terms of parameters that can be estimated: the probability of crisis, the loss in output given crisis, policy effectiveness in bringing down both the probability and damage during crisis, and the output-cost of a policy decision. It discusses three types of policy leakages and identifies instruments that could best minimize the leakages. Some rules of thumb for policymakers are provided. |
| financial stress percentile meaning: Risk Analytics Eduardo Rodriguez, 2023-08-08 The 2022 World Economic Forum surveyed 1,000 experts and leaders who indicated their risk perception that the earth’s conditions for humans are a main concern in the next 10 years. This means environmental risks are a priority to study in a formal way. At the same time, innovation risks are present in theminds of leaders, newknowledge brings new risk, and the adaptation and adoption of risk knowledge is required to better understand the causes and effects can have on technological risks. These opportunities require not only adopting new ways of managing and controlling emerging processes for society and business, but also adapting organizations to changes and managing newrisks. Risk Analytics: Data-Driven Decisions Under Uncertainty introduces a way to analyze and design a risk analytics system (RAS) that integrates multiple approaches to risk analytics to deal with diverse types of data and problems. A risk analytics system is a hybrid system where human and artificial intelligence interact with a data gathering and selection process that uses multiple sources to the delivery of guidelines to make decisions that include humans and machines. The RAS system is an integration of components, such as data architecture with diverse data, and a risk analytics process and modeling process to obtain knowledge and then determine actions through the new knowledge that was obtained. The use of data analytics is not only connected to risk modeling and its implementation, but also to the development of the actionable knowledge that can be represented by text in documents to define and share explicit knowledge and guidelines in the organization for strategy implementation. This book moves from a review of data to the concepts of a RAS. It reviews RAS system components required to support the creation of competitive advantage in organizations through risk analytics. Written for executives, analytics professionals, risk management professionals, strategy professionals, and postgraduate students, this book shows a way to implement the analytics process to develop a risk management practice that creates an adaptive competitive advantage under uncertainty. |
| financial stress percentile meaning: Financial Risk Management Steven Allen, 2003-02-27 Table of contents |
| financial stress percentile meaning: Climate-Related Stress Testing: Transition Risk in Colombia Can Sever, Manuel Perez-Archila, 2021-11-05 This paper builds a framework to quantify the financial stability implications of climate-related transition risk in Colombia. We explore risks imposed on the banking system based on scenarios of an increase in the domestic carbon tax by using bank- and firm-level data. Focusing on the deterioration of firms’ balance sheets and the exposure of banks to different sectors, we assess the extent to which such policy shock would transmit from nonfinancial firms to the banking system. We observe that sectors are affected unevenly by a higher carbon tax. Agriculture, manufacturing, electricity, wholesale and retail trade, and transportation sectors appear to be the most important in the transmission of the risk to the banking system. Results also suggest that a large increase in the carbon tax can generate significant but likely manageable financial stability risks, and that a gradual increase in the carbon tax to meet a higher target over several years could be preferable in terms of financial risks. A gradual increase would also have the benefit of allowing for a smoother adjustment to higher carbon tax for stakeholders. |
| financial stress percentile meaning: Legislative Hearing on Immediate Steps to Protect Taxpayers from the Ongoing Bailout of Fannie Mae and Freddie Mac United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets and Government Sponsored Enterprises, 2011 |
| financial stress percentile meaning: Bipartisan Solutions for Housing Finance Reform? United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs, 2013 |
| financial stress percentile meaning: Legislative Hearing on Immediate Steps to Protect Taxpayers from the Ongoing Bailout of Fannie Mae and Freddie Mae [i.e. Mac] United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets and Government Sponsored Enterprises, 2011 |
| financial stress percentile meaning: Cracking the AP English Language and Composition Exam 2020, Premium Edition The Princeton Review, 2019-08-06 Cracking the AP English Language & Composition Exam 2020, Premium Edition, provides students with a comprehensive Hit Parade of important vocabulary words, detailed coverage of all essay types (rhetorical analysis, argument, and synthesis), useful techniques for cracking the multiple-choice section, and much more. This Premium Edition includes 5 total full-length practice tests (4 in the book and 1 online) for the ultimate practice experience. |
| financial stress percentile meaning: Constitutional Democracy Under Stress Peter L Biro, Peter L. Biro, 2022-12-31 Constitutional democracy is not just any old form of democracy. It has a peculiar logic and is premised upon some exacting criteria and principles including good laws and institutions predicated on specific fundamental core values and principles. But it is, when fully ingrained in the public sensibility, a sort of civic serum necessary to inoculate free citizens against the ravages of anti-democratic populism, authoritarianism, racism, nativism, discrimination, xenophobia, corruption, self-dealing, and much worse. The need for civic inoculation of that sort is urgent today, globally. The essays in this volume probe the sources and malaise now confronting Constitutional Democracy. However, they go muchfurther. Many of the essays are, indeed, road-maps for a realistic and cultivated response to our present condition. The clues for a rehabilitated democracy are found here analytically but also prescriptively. |
| financial stress percentile meaning: Financial Strategy for Public Managers Sharon Kioko, Justin Marlowe, 2017-09-07 Financial Strategy for Public Managers is a new generation textbook for financial management in the public sector. It offers a thorough, applied, and concise introduction to the essential financial concepts and analytical tools that today's effective public servants need to know. It starts at the beginning and assumes no prior knowledge or experience in financial management. Throughout the text, Kioko and Marlowe emphasize how financial information can and should inform every aspect of public sector strategy, from routine procurement decisions to budget preparation to program design to major new policy initiatives. They draw upon dozens of real-world examples, cases, and applied problems to bring that relationship between information and strategy to life. Unlike other public financial management texts, the authors also integrate foundational principles across the government, non-profit, and hybrid/for-benefit sectors. Coverage includes basic principles of accounting and financial reporting, preparing and analyzing financial statements, cost analysis, and the process and politics of budget preparation. The text also includes several large case studies appropriate for class discussion and/or graded assignments. |
| financial stress percentile meaning: Life-span Developmental Psychology E. Mark Cummings, Anita L. Greene, Katherine H. Karraker, 2014-01-02 Although there has been a significant increase in studies of stress and coping processes in recent years, researchers have often approached these topics from rather narrow and constrained perspectives. Furthermore, little communication has occurred across disciplines and research directions, resulting in the emergence of several relatively isolated literatures. An outgrowth of the Eleventh Biennial West Virginia University Conference on Life-Span Development, this volume emphasizes two major themes: the importance of taking a life-span approach to the study of stress and coping, and the development of new and more complete conceptual models of stress and coping processes. The first to approach these subjects from a life-span perspective, this book includes papers by distinguished researchers from each of the major periods of the life-span, and brings together the cognitive and socioemotional traditions in the study of dealing with pressures. The editors hope that this facilitation of communication among researchers with diverse views will help create a broadening and integration of perspectives. |
| financial stress percentile meaning: High-Performance Computing in Finance M. A. H. Dempster, Juho Kanniainen, John Keane, Erik Vynckier, 2018-02-21 High-Performance Computing (HPC) delivers higher computational performance to solve problems in science, engineering and finance. There are various HPC resources available for different needs, ranging from cloud computing– that can be used without much expertise and expense – to more tailored hardware, such as Field-Programmable Gate Arrays (FPGAs) or D-Wave’s quantum computer systems. High-Performance Computing in Finance is the first book that provides a state-of-the-art introduction to HPC for finance, capturing both academically and practically relevant problems. |
| financial stress percentile meaning: Achieving Financial Stability: Challenges To Prudential Regulation Douglas D Evanoff, George G Kaufman, Agnese Leonello, Simone Manganelli, Douglas W Diamond, 2017-09-22 The Great Financial Crisis of 2007-2010 exposed the existence of significant imperfections in the financial regulatory framework that encouraged excessive risk-taking and increased system vulnerabilities. The resulting high cost of the crisis in terms of lost aggregate income and wealth, and increased unemployment has reinforced the need to improve financial stability within and across countries via changes in traditional microprudential regulation, as well as the introduction of new macroprudential regulations. Amongst the questions raised are: |
| financial stress percentile meaning: Federal Register , 2013-09 |
| financial stress percentile meaning: Managing Portfolio Credit Risk in Banks: An Indian Perspective Arindam Bandyopadhyay, 2016-05-09 This book explains how a proper credit risk management framework enables banks to identify, assess and manage the risk proactively. |
| financial stress percentile meaning: Human Dimension and Interior Space Julius Panero, Martin Zelnik, 2014-01-21 The study of human body measurements on a comparative basis is known as anthropometrics. Its applicability to the design process is seen in the physical fit, or interface, between the human body and the various components of interior space. Human Dimension and Interior Space is the first major anthropometrically based reference book of design standards for use by all those involved with the physical planning and detailing of interiors, including interior designers, architects, furniture designers, builders, industrial designers, and students of design. The use of anthropometric data, although no substitute for good design or sound professional judgment should be viewed as one of the many tools required in the design process. This comprehensive overview of anthropometrics consists of three parts. The first part deals with the theory and application of anthropometrics and includes a special section dealing with physically disabled and elderly people. It provides the designer with the fundamentals of anthropometrics and a basic understanding of how interior design standards are established. The second part contains easy-to-read, illustrated anthropometric tables, which provide the most current data available on human body size, organized by age and percentile groupings. Also included is data relative to the range of joint motion and body sizes of children. The third part contains hundreds of dimensioned drawings, illustrating in plan and section the proper anthropometrically based relationship between user and space. The types of spaces range from residential and commercial to recreational and institutional, and all dimensions include metric conversions. In the Epilogue, the authors challenge the interior design profession, the building industry, and the furniture manufacturer to seriously explore the problem of adjustability in design. They expose the fallacy of designing to accommodate the so-called average man, who, in fact, does not exist. Using government data, including studies prepared by Dr. Howard Stoudt, Dr. Albert Damon, and Dr. Ross McFarland, formerly of the Harvard School of Public Health, and Jean Roberts of the U.S. Public Health Service, Panero and Zelnik have devised a system of interior design reference standards, easily understood through a series of charts and situation drawings. With Human Dimension and Interior Space, these standards are now accessible to all designers of interior environments. |
| financial stress percentile meaning: The Developing Person Through the Life Span Kathleen Stassen Berger, 2011-02-18 The seventh edition comes with significant revision of cognitive development throughout childhood, revised and updated chapters on adolescence, and more attention to emerging and early adulthood. It is a thorough revision with new research on everything from genetics to the timing of puberty, including brain development, life span disorders and cultural diversity. It also includes new learning features promoting critical thinking, revision and application. - product description. |
| financial stress percentile meaning: Pediatric Prevention, An Issue of Pediatric Clinics Earnestine Willis, 2015-09-07 Preventive pediatrics remains the foundation for pediatricians to offer benefits for future generations. Social conditions often complicate health status and bureaucracies pose challenges for families and children to navigate service systems. Therefore, it is crucial to emphasize a host of topics that children and families face in addition to highlighting opportunities for overcoming some of those challenges. In this issue, an array of authors will update pediatricians on the prevalence and management of chronic health and social conditions such as childhood poverty, youth violence, oral health, asthma, foster care, toxin exposures including tobacco, and childhood obesity. Promising interventions that pediatricians should continue to examine include: how pediatricians can advocate for breastfeeding as a wellness concept for working mothers in the workplace; promotion of childhood literacy development; maximizing immunization compliance; monitor the impact of public policy such as the Affordable Care Act (ACA) on children’s health; and how community health workers (CHWs) can be vital to community health improvement. Proposed interventions include a description of how the medical and legal partnership model can be an empowering strategy for families to address social determinants of health (SDH) when lawyers are included as a member of the health care team. In addition, pediatricians and all other child healthcare professionals must investigate epigenetic mechanisms that might predispose children to risk factors or good health outcomes. |
| financial stress percentile meaning: Financial Soundness Indicators International Monetary Fund, 2006-04-04 Financial Soundness Indicators (FSIs) are measures that indicate the current financial health and soundness of a country's financial institutions, and their corporate and household counterparts. FSIs include both aggregated individual institution data and indicators that are representative of the markets in which the financial institutions operate. FSIs are calculated and disseminated for the purpose of supporting macroprudential analysis--the assessment and surveillance of the strengths and vulnerabilities of financial systems--with a view to strengthening financial stability and limiting the likelihood of financial crises. Financial Soundness Indicators: Compilation Guide is intended to give guidance on the concepts, sources, and compilation and dissemination techniques underlying FSIs; to encourage the use and cross-country comparison of these data; and, thereby, to support national and international surveillance of financial systems. |
| financial stress percentile meaning: Expected Credit Loss Modeling from a Top-Down Stress Testing Perspective Mr.Marco Gross, Dimitrios Laliotis, Mindaugas Leika, Pavel Lukyantsau, 2020-07-03 The objective of this paper is to present an integrated tool suite for IFRS 9- and CECL-compatible estimation in top-down solvency stress tests. The tool suite serves as an illustration for institutions wishing to include accounting-based approaches for credit risk modeling in top-down stress tests. |
| financial stress percentile meaning: As We Forgive Our Debtors Teresa A. Sullivan, Elizabeth Warren, Jay Lawrence Westbrook, 1999 Bankruptcy in America is a booming business, with hundreds of thousands of ordinary Americans filing for bankruptcy each year. Is this dramatic growth a result of mushrooming debt or does it reflect a moral decline that permits the middle class to evade their debts? As We Forgive Our Debtors addresses these questions with hard empirical data drawn from bankruptcy court filings. The authors of this multidisciplinary study describe the law and the statistics in clear, nontechnical language, combining a thorough statistical description of the social and economic position of consumer bankrupts with human portraits of the debtors and creditors whose journeys have ended in bankruptcy court. Book jacket. |
| financial stress percentile meaning: Forensic Psychology and Neuropsychology for Criminal and Civil Cases Harold V. Hall, 2007-11-19 Greater Understanding, Better Evaluations Today's increasingly sophisticated psychological and neuropsychological assessments allow for greater understanding and evaluations in forensic psychology. By integrating discussions of modern psychological and neuropsychological tests with extant civil and criminal cases, this book presents a unique resource for insight into the impact of modern behavioral science on the legal system. Foundational, Criminal, and Civil Issues Divided into three parts, this timely compilation of articles from national and international experts begins with foundational issues such as the legal, ethical, and applied aspects of mitigation evaluations. It examines violence prediction and risk analysis, violence in the family, and the detection of malingering and deception in forensic evaluations. Part 2 looks at the psychological issues found in criminal forensic evaluation. This section discusses assessments of competence to stand trial, mitigatory defenses, and hostage negotiation, as well as the psychological impact of officer-involved shootings. The final part focuses on neuropsychological evaluation as it is relevant to civil cases including worker’s compensation, malingered pain and memory deficits, and parental assessment in child maltreatment cases. Template Case Studies Providing several full case studies in more than a dozen appendices, this book addresses both psychological and neuropsychological concepts in the context of the legal system and allows for a practical understanding and application of behavioral, legal, and ethical issues in civil and criminal cases. |
| financial stress percentile meaning: Schizophrenia Bulletin , 1984 |
| financial stress percentile meaning: The Risks of Financial Institutions Mark Carey, René M. Stulz, 2007-11-01 Until about twenty years ago, the consensus view on the cause of financial-system distress was fairly simple: a run on one bank could easily turn to a panic involving runs on all banks, destroying some and disrupting the financial system. Since then, however, a series of events—such as emerging-market debt crises, bond-market meltdowns, and the Long-Term Capital Management episode—has forced a rethinking of the risks facing financial institutions and the tools available to measure and manage these risks. The Risks of Financial Institutions examines the various risks affecting financial institutions and explores a variety of methods to help institutions and regulators more accurately measure and forecast risk. The contributors--from academic institutions, regulatory organizations, and banking--bring a wide range of perspectives and experience to the issue. The result is a volume that points a way forward to greater financial stability and better risk management of financial institutions. |
| financial stress percentile meaning: Transforming the Workforce for Children Birth Through Age 8 National Research Council, Institute of Medicine, Board on Children, Youth, and Families, Committee on the Science of Children Birth to Age 8: Deepening and Broadening the Foundation for Success, 2015-07-23 Children are already learning at birth, and they develop and learn at a rapid pace in their early years. This provides a critical foundation for lifelong progress, and the adults who provide for the care and the education of young children bear a great responsibility for their health, development, and learning. Despite the fact that they share the same objective - to nurture young children and secure their future success - the various practitioners who contribute to the care and the education of children from birth through age 8 are not acknowledged as a workforce unified by the common knowledge and competencies needed to do their jobs well. Transforming the Workforce for Children Birth Through Age 8 explores the science of child development, particularly looking at implications for the professionals who work with children. This report examines the current capacities and practices of the workforce, the settings in which they work, the policies and infrastructure that set qualifications and provide professional learning, and the government agencies and other funders who support and oversee these systems. This book then makes recommendations to improve the quality of professional practice and the practice environment for care and education professionals. These detailed recommendations create a blueprint for action that builds on a unifying foundation of child development and early learning, shared knowledge and competencies for care and education professionals, and principles for effective professional learning. Young children thrive and learn best when they have secure, positive relationships with adults who are knowledgeable about how to support their development and learning and are responsive to their individual progress. Transforming the Workforce for Children Birth Through Age 8 offers guidance on system changes to improve the quality of professional practice, specific actions to improve professional learning systems and workforce development, and research to continue to build the knowledge base in ways that will directly advance and inform future actions. The recommendations of this book provide an opportunity to improve the quality of the care and the education that children receive, and ultimately improve outcomes for children. |
| financial stress percentile meaning: Under Pressure: The Squeezed Middle Class OECD, 2019-05-01 Middle-class households feel left behind and have questioned the benefits of economic globalisation. |
| financial stress percentile meaning: Canada International Monetary Fund. Monetary and Capital Markets Department, 2019-06-24 This Financial System Stability Assessment paper discusses that Canada has enjoyed favorable macroeconomic outcomes over the past decades, and its vibrant financial system continues to grow robustly. However, macrofinancial vulnerabilities—notably, elevated household debt and housing market imbalances—remain substantial, posing financial stability concerns. Various parts of the financial system are directly exposed to the housing market and/or linked through housing finance. The financial system would be able to manage severe macrofinancial shocks. Major deposit-taking institutions would remain resilient, but mortgage insurers would need additional capital in a severe adverse scenario. Housing finance is broadly resilient, notwithstanding some weaknesses in the small non-prime mortgage lending segment. Although banks’ overall capital buffers are adequate, additional required capital for mortgage exposures, along with measures to increase risk-based differentiation in mortgage pricing, would be desirable. This would help ensure adequate through-the cycle buffers, improve mortgage risk-pricing, and limit procyclical effects induced by housing market corrections. |
| financial stress percentile meaning: Energy Balance and Obesity Isabelle Romieu, Laure Dossus, William C. Willett, 2018-01-12 Understanding the relationship between energy balance and obesity is essential to develop effective prevention programs and policies. The International Agency for Research on Cancer convened a Working Group of world-leading experts in December 2015 to review the evidence regarding energy balance and obesity, with a focus on low- and middle-income countries, and to consider the following scientific questions: (i) Are the drivers of the obesity epidemic related only to energy excess and/or do specific foods or nutrients play a major role in this epidemic? (ii) What are the factors that modulate these associations? (iii) Which types of data and/or studies will further improve our understanding? This book provides summaries of the evidence from the literature as well as the Working Group's conclusions and recommendations to tackle the global epidemic of obesity. |
| financial stress percentile meaning: Adaption to change and coping strategies: New resources for mental health María del Mar Molero Jurado, Nicola Magnavita, María del Carmen Pérez-Fuentes, 2023-03-28 |
| financial stress percentile meaning: Methamphetamine Use Sandra B. McPherson, Harold V. Hall, Errol Yudko, 2008-10-29 Updated and expanded to reflect changes in recent years, this second edition covers virtually every aspect of this dangerous drug, including history, pharmacology, pathology, physiology, treatment, clinical and forensic psychology, and legal aspects. This edition features new chapters on criminal- and civil-forensic applications including an in-depth discussion of recent laws. Pointing out important cases, articles, and statistics, the text also presents chapters on neuropsychological testing; normative data on risk analysis and violence prediction; the physiology of tweaking, the most dangerous stage of the meth cycle; and the efficacy of treatment programs including examples from newly established drug courts. |
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