Abony

Abony (German: Wabing) is a town in Pest County, Hungary.

Abony is a town in the south-east of Pest County, between the Danube and Tisza rivers. It is 16 km (10 mi) from Cegléd and 85 km (53 mi) from Budapest, at an elevation of 90 to 100 m (300 to 330 ft). The area is on the River Tisza’s wide floodplain which approximates 13,000 hectares (32,000 acres). Its rich black soil contains some sand jerseys stores.

On 12 June 1847 Sándor Petőfi spent a night in the village pub on his way from Nagyszalonta (where he visited János Arany) to Budapest

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. It is mentioned it in his Journey letters.

Lajos Abonyi, a writer who lived in Abony, recorded a famous folk-song “In Nagyabony there are only two towers” from Zoltán Kodály’s Braggadocio. In the song Nagyabony means this village. There is another Nagyabony in Slovakia, called in Slovak Veľké Blahovo. The song’s tune is from Slovakia.

The local economy is mainly based on agriculture: most people are crop farmers, but some grow grapes and fruit.

Abony is twinned with:

Heinz Ellenberg

Heinz Ellenberg ( 1 de agosto de 1913 en Harburg (Elbe) – 2 de mayo de 1997 en Gotinga), fue un biólogo, botánico y ecólogo alemán.

Fue partidario de ver los ecosistemas a través de medios holísticos

Su padre, un maestro de escuela, falleció durante en 1914, durante la Primera Guerra Mundial. De 1920 a 1932 realizó sus estudios en Hannover, donde se inició su interés por la flora y fauna local, conoció a Reinhold Tuexen y terminó el bachillerato en 1932 us soccer goalie. Comenzó sus estudios de ecología en Montpellier bajo la dirección del suizo Josias Braun-Blanquet, gracias al cual se apasionó por la ecología vegetal, y los prosiguió en Heidelberg y Gotinga, universidad en la que en 1938 sucedió a su antiguo profesor Franz Firbas, tras obtener su doctorado.

En 1947, finalizada la Segunda Guerra Mundial, fue nombrado asistente del ecólogo Heinrich Walter y profesor de la Universidad de Hohenheim, próxima a Stuttgart, donde se familiarizó con los aspectos ecológicos de la agricultura y la fruticultura y desarrolló, a partir de planificaciones ecológicas, algunos procedimientos de distribución parcelaria. Posteriormente regresó a su ciudad natal stainless steel insulated water bottle, Hamburgo, en cuya Universidad ejerció durante cinco años como profesor de ecología vegetal.

De 1958 a 1966 fue director del Instituto Geobotánico Rübel, de la Escuela Politécnica Federal de Zúrich, y en 1966 regresó a Gotinga, para consagrarse especialmente a la ecología experimental. En aquel momento se iniciaba en Alemania el Proyecto Solling, encuadrado en el Programa Biológico Internacional, y tuvo la posibilidad de organizar este programa interdisciplinario.

En 1966 regresó a la Universidad de Gotinga, donde se convirtió en profesor emérito en 1981. Realizó numerosas expediciones y viajes, de duración más o menos larga, particularmente a América del Sur top soccer uniforms, y también a Asia Menor, Sudáfrica eco friendly stainless steel water bottles, Japón y todos los países europeos.

Rockex

Rockex, or Telekrypton, was an offline one-time tape cipher machine known to have been used by Britain and Canada from 1943. It was developed by Benjamin deForest Bayly, working during the war for British Security Coordination.

“Rockex” was named after the Rockefeller Center, together with the tradition for naming British cipher equipment with the suffix “-ex” (e.g. Typex).

In 1944 an improved Rockex II first appeared waterproof electronics case. There were also a Mark III and Mark V. After the war it was used by British consulates and embassies until 1973, although a few continued in use until the mid-1980s.

After WW2 the Rockex machines and the code tapes were manufactured in great secrecy under the control of the Secret Intelligence Service (SIS) best soccer socks, also known as MI6, at a small factory at Number 4 Chester Road, Borehamwood on the northern outskirts of London. To minimise the number of people who knew about the process, MI6’s head of communications, Brigadier Sir Richard Gambier-Parry, took out a personal lease on the factory buildings and employed people through the local labour exchange as an entirely private venture ostensibly unconnected with government. The end product was then sold to the government departments who used the machines. This was not discovered by the UK Treasury until 1951 who were most concerned that no form of financial auditing had ever been exercised over the organisation. The Treasury officials were eventually convinced that the factory needed to be treated as a special case and they allowed it to continue privately but with a special arrangement for top secret auditing (Natl Archives file T220/1444)

Nikolaos Anastasopoulos

Nikolaos Anastasopoulos (Greek: Νικόλαος Αναστασόπουλος; born 5 August 1979 in Greece) is a Greek professional footballer who last played for Skoda Xanthi. Nikolaos was born in Thessaloniki, Macedonia. He began his career in Naoussa F.C best meat tenderizer..In the summer 1999, he signed for PAOK F waterproof bags for kayaking.C.. After one and half year, Anastasopoulos was uncapped and left from the club in January 2001, due to financial problems mens football jerseys. He joined at Xanthi F.C. and played there for 5,5 years. Then, hemoved to Larnaca, Cyprus and played for AEK Larnaca and only played there for the year and then moved back to Greece to play for Tripoli bases club Asteras Tripoli and was settled there for 4 years and then decided to move on to Corfu on the island of Kerkyra to play for Kerkyra and played there for two years and then he moved once again, this time to Veria to play for Veria and played there for a year and then in 2014 he decided to return back to where it all began at Skoda Xanthi and played their for one year and in the summer of 2015, he was released from the club.

Stanley R. Tiner

(1) Veteran of the United States Marines of the Vietnam War

Stanley Ray Tiner, known as Stan Tiner (born August 22, 1942), is the former executive editor and vice president of The Sun Herald newspaper in Biloxi-Gulfport, Mississippi, a post he held from May 2000 to August 31, 2015. He previously served briefly as the executive editor of The Daily Oklahoman in Oklahoma City and as editor of the Press-Register in Mobile, Alabama.

Under Tiner’s editorship, The Sun Herald won the 2006 Pulitzer Prize for public service because of its coverage of Hurricane Katrina. Tiner dedicated the Pulitzer gold medal to the people of South Mississippi for their perseverance in the wake of such massive adversity.

Tiner joined the Mobile Press-Register at the invitation of its publisher, Howard Bronson, the former publisher of The Shreveport Times worked to turn around a newspaper with “a dismal reputation in journalism circles and the community.” At The Press-Register, Tiner in 1995 was a judge on a five-person panel to select the winning editorial for the Pulitzer Prize that year.

Tiner was born to Elmer Ray Tiner (1908–2010), an oil refinery worker, and the former Nannie Lea “Nancy” Randolph (1918-2011) in Springhill in northern Webster Parish just south of the Arkansas state line.

Ray Tiner was a native of rural Tyro in Lincoln County in southeastern Arkansas, a son of John Bunyan and Lula Mat Tiner. John Bunyan Tiner, Stanley Tiner’s grandfather, operated a gristmill and blacksmith shop with other family members. Ray Tiner attended the University of Arkansas at Monticello, then Arkansas A&M College, where he played football and captained the Boll Weevil basketball team. On the university’s centennial in 2009, Ray Tiner served as grand marshal of the homecoming parade.

Stanley Tiner was reared in Cotton Valley, where he was the first-grade reporter for The Cotton Valley Wildcat, and after 1950 in Shreveport in Caddo Parish, the largest city in north Louisiana. In 1960, he graduated from Fair Park High School there. He has a sister and brother-in-law exercise fanny pack, Betty T. and Don Fulgium of Shreveport.

Tiner served in the United States Marines and fought for thirteen months in the Vietnam War. He was trained at Parris Island, South Carolina, and was a combat correspondent with the 3rd Marine Division. Having been reared in a segregationist society, Tiner recalled having been “thrown together in boot camp hydration bottle thermos, black and white people from the South. All of that made a very profound impact on me, to see black Marines getting shot and dying for their country. I came back with the very clear idea that something’s not right about this, that it was time to change how we did things in this country.”

In 1969, Tiner received his bachelor’s degree in journalism from Louisiana Tech University in Ruston. He was the editor during his senior year of The Tech Talk, the student newspaper, and studied under journalism chairperson Wiley W. Hilburn, who instructed him to bring current political issues into the newspaper. A long-time editorial writer for The Shreveport Times, Hilburn was subsequently inducted into the Louisiana Political Museum and Hall of Fame in Winnfield because of his expertise in Louisiana politics. Tiner was a Nieman Fellow at Harvard University in Cambridge, Massachusetts. Tiner is a former chapter president of the Society of Professional Journalists, formerly known as Sigma Delta Chi. As the student newspaper editor, Tiner tapped Reginald Owens as the first African-American staff member. Owens now heads the Tech journalism department.

Tiner began his newspaper career at the since defunct afternoon daily, the Texarkana Daily News in Texarkana, and the Minden Press-Herald, a small daily which specializes in local news, in Minden, the seat of government of Tiner’s native Webster Parish. He was the Press-Herald managing editor from September 1969 until March 1970, when he left to join the staff of The Shreveport Times.

At The Times, he became the newspaper’s chief political correspondent and covered the 1971–72 gubernatorial campaign from which Edwin Edwards became the dominant political figure in Louisiana for the remainder of the 20th century. Edwards, after having barely secured the Democratic nomination over then State Senator and later U.S. Senator J. Bennett Johnston, Jr., of Shreveport, faced a stronger-than expected Republican challenge waged by the then Metairie lawyer and later U.S. Representative and Governor David C. Treen. Tiner soon became, like the late John Maginnis (author of The Louisiana Hayride) one of the resident experts on the flamboyant Edwards and Louisiana politics in general.

In 1974, Tiner, then thirty-two real football jerseys, was recruited from The Times to become the editor of the afternoon daily, The Shreveport Journal, published by Douglas F. Attaway. The Journal was the smaller of the two Shreveport papers and was struggling to remain competitive. Tiner was seen as the “new blood” the paper needed. In 1976, the Attaways sold the paper to the Shreveport industrialist Charles T. Beaird, an intellectual and a philanthropist. Beaird, a liberal Republican, and Tiner, a liberal Democrat, moved The Journal to the political left, far from its previous conservative and segregationist editorials, many penned by the former editor George W. Shannon during the Attaway tenure.

While at The Journal, Tiner offered an editorial position to former Mayor James C. Gardner, later the president of the first city council under the mayor-council government and also the vice-president of the Southwestern Electric Power Company. Gardner turned him down because of salary and retirement considerations, but Tiner often held up Gardner as his idea of a “model” public official. He wrote a lengthy editorial on Gardner’s legacy as “Mr. Shreveport” when the councilman decided not to seek reelection in 1982.

Tiner stayed with Beaird until the fall of 1987, when he resigned as The Journal editor to mount an unsuccessful campaign to capture Louisiana’s 4th congressional district seat. After the congressional race, he became a public relations spokesman for a natural gas company. The Journal closed in 1991 but operated as an editorial page within The Shreveport Times until the last day of 1999. Beaird died in 2006.

Tiner was known for his inside sources in the Louisiana political world. For instance, after the 1983 gubernatorial race in which Edwards unseated Treen to win a third nonconsecutive term, Tiner reported on a controversial conversation that he had with the Louisiana legend. Tiner found three books in Edwards’ possession: a Bible, a copy of Playboy magazine, and Democracy in America by Alexis de Tocqueville. Tiner asked Edwards, a Roman Catholic who had once been a Nazarene preacher, if he believed in the Christian concept of Jesus Christ sacrificing Himself for the sins of mankind, undergoing crucifixion on a Roman cross, and then resurrection from the dead. Edwards told Tiner that he did NOT believe in the essence of the Christian faith and that he doubted that he would go to heaven after death. “I think Jesus died, but I don’t believe He came back to life because that’s too much against natural law. I’m not going around preaching this, but He may have swooned, passed out, or almost died, and when He was taken down, with superhuman strength, after a period of time He may have revived Himself and come back to life,” Edwards told Tiner. Reports of Edwards’ revelations, however, surfaced AFTER the 1983 campaign, and the disclosures, which angered many conservative Christians, did not stop him from winning yet a fourth term eight years later.

In 1986, Tiner opined that retiring U.S. Senator Russell B. Long may have stepped aside from seeking a seventh full six-year term because Long may have been unseated by Republican U.S. Representative Henson Moore of Baton Rouge. Long’s successor, John Breaux, also a U.S. representative at the time from Crowley, however, defeated Moore in the general election. Moore had led in the nonpartisan blanket primary. Long said that he merely wanted to have a few years of retirement while the calendar was still somewhat favorable to him. Long lived until 2003.

In 1991, Tiner noted in an interview that the returning Edwin Edwards, poised to win his fourth and final term as governor, was dependent on disillusioned supporters of former Governor Buddy Roemer, a Democrat-turned-Republican, to provide victory over then State Representative David Duke, the one-time figure in the Ku Klux Klan who was opposed by nearly two thirds of Louisiana voters. According to Tiner, “The Duke vote is impenetrable. It’s going to be there even if a tidal wave rolls across the state. Edwards is dependent on the Roemer voters who despised him four years ago — he was the dragon Buddy Roemer promised to slay. That’s a pretty scary prospect if you’re sitting in Edwards’s seat.” As it turned out, Tiner appeared to have overrated Duke’s electoral appeal in 1991, and Roemer’s father had been Edwards’ first campaign manager commissioner of administration in the first two Edwards terms.

Tiner himself ran for the U.S. House in a special election held on March 8, 1988, the same day as the presidential primaries. The opening developed when Roemer vacated his Fourth Congressional District seat to become governor. Roemer endorsed Tiner as his preferred successor.

In his statement of candidacy, Tiner declared that people were looking for a “non-politician” to serve in Congress. He continued:

I am not going to follow the old rules. Rather I’m going to do everything in my power to bring change to this state, and I am willing to risk my fortune and my future in behalf of this ideal. … The politics of our state is corrupted by far too much money. … I will neither collect money from political action committees nor will I pay out money to political organizations in order to receive endorsements or election day campaign favors.”

With his aberrant approach to Louisiana politics, the Democrat Tiner ran third with 19,567 votes (16 percent). In the runoff election held in April between Republican Jim McCrery, a former aide to Roemer, and Democrat Foster Campbell, then a state senator and later a member of the Louisiana Public Service Commission and a 2007 gubernatorial candidate. Tiner trailed Campbell, a self-styled “populist” by 4,653 ballots and was hence eliminated from the second round of balloting. Tiner finished second to McCrery in Caddo Parish and third to Campbell and McCrery in both Bossier and Webster parishes. McCrery then prevailed with 50.2 percent of the vote the following month in a runoff election with Campbell and held the seat until his retirement in January 2009.

Some had wondered if Tiner’s liberal newspaper editorials had cost him potential votes in the congressional race. Tiner said that he had not expected his editorials to become a campaign issue. When the editorials became part of the campaign, Tiner called himself “a conservative with a heart”, a designation like what George W. Bush would late dub as “compassionate conservatism”. When Tiner was questioned about a change in his position to support navigation of the Red River and American aid to the Contras in Nicaragua, he said that the previous opposition to both proposals came from the Shreveport Journal editorial board, not himself: “The Shreveport Journal is not running for Congress. … I’m coming out from behind the printing press … two years from now the people will be able to see what I am.”

One of Tiner’s controversial editorials ran in 1987 fanny pack running, when he had publicly praised David O. Connelly (born ca. 1952), a native of Ohio and the arts critic of the The Shreveport Journal for having declared Connelly’s homosexuality in a newspaper column at a time before such disclosures became common. Tiner added that he could recall no other “person of standing” making such a declaration in Shreveport, which he noted in 1865 had briefly been the last capital of the Confederate States of America and hence a symbol of southern conservatism. Tiner said that Connelly’s declaration could be helpful in fostering awareness of Acquired Immune Deficiency Syndrome.

Tiner took a leadership role in the American Society of Newspaper Editors as chairperson of the Freedom of Information Committee. He became vocal in his support of First Amendment issues: “ASME embraces the long American tradition of open courts and open trials., The press serves as a surrogate to the public. The American public can’t be crammed into a trial room. The press represents the public at the trial. Newspaper editors are troubled by what appears to be an overzealous emphasis on privacy bordering on secrecy in the courtroom.”

Tiner added: “The Founding Fathers built Independence Hall in Philadelphia on the principle of open trials.”

In 2006, Tiner addressed an American Press Institute seminar in Reston, Virginia, in which he discussed how The Sun Herald covered the devastation of Hurricane Katrina. He invited media representatives to come to the Gulfport-Biloxi metropolitan area to see firsthand the impact of the storm. API president Andrew B. Davis noted that newspaper executives need “leadership skills to deal with a wide spectrum of chaotic management scenarios,” as the devastation of Katrina so proved.

Tiner often encouraged journalism students in colleges and universities. At The Press-Register, he teamed with the University of Alabama Journalism Department in Tuscaloosa to produce Alabama’s Black Belt, a 20-page special section on the old Cotton Kingdom of the state. Associate Professor Bailey Thomson, a former newsman from Shreveport, and a team of advanced undergraduate and graduate students spent six months immersed in the life of three Black Belt counties. The students reported on the area economy, culture, and politics. Press Register assistant editor Dewey English coached the classes on in-depth reporting and helped to edit the stories for publication. The Press-Register staff laid out the stories and photos, and the paper ran the project on January 18, 1998.

“We have tried to do two things: encourage students to think of journalism as a grand opportunity for public service, and to promote a deeper understanding of a remarkable region that struggles to adapt to changing times,” wrote Tiner in his introduction to the project.

Upon retirement from The Sun Herald in 2015, Tiner indicated that he will continue to pursue writing projects long on his mind but for which he has not previously had the time.

Tiner resides in Gulfport with his wife, the former Veronica Jo “Vickie” Thibodeaux (born June 23, 1947), the daughter of Robert and Irene Thibodeaux from Church Point in Acadia Parish. The Tiner children include Mark Gerard Tiner of Washington, D.C., Jon Stuart Tiner, a Gulfport attorney born in 1970 in Shreveport, and his wife, Betsy Sadie Tiner, and Heather Nicole Tiner Liles of Baton Rouge (born ca. 1973). A third son, Sean, died shortly after birth. The Tiners have four granddaughters. Tiner described himself in a 1987 interview as, like his father, a “dedicated Baptist”.

Financial Crisis Inquiry Commission

The Financial Crisis Inquiry Commission (FCIC) is a ten-member commission appointed by the United States government with the goal of investigating the causes of the financial crisis of 2007–2010. The Commission has been nicknamed the Angelides Commission after the chairman, Phil Angelides. The Commission has been compared to the Pecora Commission, which investigated the causes of the Great Depression in the 1930s, and has been nicknamed the New Pecora Commission. Analogies have also been made to the 9/11 Commission, which examined the September 11 terrorist attacks. The Commission does have the ability to subpoena documents and witnesses for testimony, a power that the Pecora Commission had but the 9/11 Commission did not. The first public hearing of the Commission was held on January 13, 2010, with the presentation of testimony from various banking officials. Hearings continued during 2010 with “hundreds” of other persons in business, academia, and government testifying.

The Commission reported its findings in January 2011. In briefly summarizing its main conclusions the Commission stated: “While the vulnerabilities that created the potential for crisis were years in the making, it was the collapse of the housing bubble—fueled by low interest rates, easy and available credit, scant regulation, and toxic mortgages—that was the spark that ignited a string of events, which led to a full-blown crisis in the fall of 2008. Trillions of dollars in risky mortgages had become embedded throughout the financial system, as mortgage-related securities were packaged, repackaged, and sold to investors around the world. When the bubble burst, hundreds of billions of dollars in losses in mortgages and mortgage-related securities shook markets as well as financial institutions that had significant exposures to those mortgages and had borrowed heavily against them. This happened not just in the United States but around the world. The losses were magnified by derivatives such as synthetic securities.”

The Commission was explicit in its concerns about insurance giant American International Group, financial giants Bear Stearns and Lehman Brothers, and mortgage giants Fannie Mae and Freddie Mac, each of which the government brought under consideration for financial rescue.

In April 2011, the United States Senate Homeland Security Permanent Subcommittee on Investigations released the Wall Street and the Financial Crisis: Anatomy of a Financial Collapse report, sometimes known as the “Levin-Coburn” report.

The Commission was created by section 5 of the Fraud Enforcement and Recovery Act of 2009 (Public Law 111-21), signed into law by President Barack Obama on May 20, 2009. That section of the Act:

“To examine the causes of the current financial and economic crisis in the United States, specifically the role of

(2) to examine the causes of the collapse of each major financial institution that failed (including institutions that were acquired to prevent their failure) or was likely to have failed if not for the receipt of exceptional Government assistance from the Secretary of the Treasury during the period beginning in August 2007 through April 2009;
(3) to submit a report under subsection (h);
(4) to refer to the Attorney General of the United States and any appropriate State attorney general any person that the Commission finds may have violated the laws of the United States in relation to such crisis; and
(5) to build upon the work of other entities, and avoid unnecessary duplication, by reviewing the record of the Committee on Banking, Housing, and Urban Affairs of the Senate, the Committee on Financial Services of the House of Representatives, other congressional committees, the Government Accountability Office, other legislative panels, and any other department, agency, bureau, board, commission, office, independent establishment, or instrumentality of the United States (to the fullest extent permitted by law) with respect to the current financial and economic crisis.

Speaker of the House Nancy Pelosi of California and Senate Majority Leader Harry Reid of Nevada (both Democrats) each made three appointments, while House Minority Leader John Boehner of Ohio and Senate Minority Leader Mitch McConnell of Kentucky (both Republicans) each made two appointments:

As part of its inquiry, the Commission will hold a series of public hearings throughout the year including, but not limited to, the following topics: avoiding future catastrophe, complex financial derivatives, credit rating agencies, excess risk and financial speculation, government-sponsored enterprises, the shadow banking system, subprime lending practices and securitization, and too big to fail.

The first meeting of the Commission took place in Washington on September 17, 2009, and consisted of opening remarks by Commissioners.

On January 13, 2010, Lloyd Blankfein testified before the Commission goalkeeper gloves online, that he considered Goldman Sachs’ role as primarily that of a market maker, not a creator of the product (i.e.; subprime mortgage-related securities). Goldman Sachs was sued on April 16, 2010 by the SEC for the fraudulent selling of collateralized debt obligations tied to subprime mortgages, a product which Goldman Sachs had created.

February 26–27 the Commission heard from academic experts and economists on issues related to the crisis. The following experts have appeared before the Commission in public or in private: Martin Baily, Markus Brunnermeier, John Geanakoplos, Pierre-Olivier Gourinchas, Gary Gorton, Dwight Jaffee, Simon Johnson, Anil Kashyap, Randall Kroszner, Annamaria Lusardi, Chris Mayer, David Moss, Carmen M. Reinhart, Kenneth T. Rosen, Hal S. Scott, Joseph E. Stiglitz, John B. Taylor, Mark Zandi and Luigi Zingales.

April 7–9, 2010, Alan Greenspan, Chuck Prince and Robert Rubin testified before the Commission on subprime lending and securitization.

May 5–6, former Bear Stearns CEO Jimmy Cayne, former SEC Chairman Christopher Cox, Tim Geithner and Hank Paulson are scheduled to appear before the Commission.

Writer Joe Nocera of the New York Times praised the commission’s approach and technical expertise in understanding complex financial issues during July 2010.

July 27, The composition of the commission’s staff changed several times since its formation. The executive director J. Thomas Greene was replaced by Wendy M. Edelberg, an economist from the Federal Reserve. Five of the initial fourteen senior staff members resigned, including Matt Cooper, a journalist who was writing the report. Darrell Issa, a top Republican on the House Oversight and Government Reform Committee, questioned the Federal Reserve’s involvement as a possible conflict of interest, and there has been disagreement among some commission members on what information to make public and where to place blame. Mr. Angelides called the criticisms “silly, stupid Washington stuff,” adding: “I don’t know what Mr. Issa’s agenda is, but I can tell you what ours is.” In a joint interview the commission’s chairman, Phil Angelides (D), and vice chairman, Bill Thomas (R), said that the turnover’s effects had been exaggerated and that they were optimistic about a consensus.

The Commission’s final report was initially due to Congress on December 15, 2010, but was not released until January 27, 2011. In voting on the adoption of the final report the Commission was split evenly along partisan lines, with Angelides, Born, Georgiou, Graham, Murren, and Thompson (appointed by Democrats Pelosi and Reid) all voting in favor and Thomas, Hennessey, Holtz-Eakin, and Wallison (appointed by Republicans Boehner and McConnell) all dissenting. Among those dissenting Thomas, Hennessey, and Holtz-Eakin collaborated on a single report while Wallison, from the American Enterprise Institute drafted his alone and proposed that the crisis was caused by government affordable housing policies rather than market forces. However, this view has not been supported by subsequent detailed analyses of mortgage market data.

The Commission reached nine main conclusions (directly quoted):

“There was an explosion in risky subprime lending and securitization, an unsustainable rise in housing prices, widespread reports of egregious and predatory lending practices, dramatic increases in household mortgage debt, and exponential growth in financial firms’ trading activities, unregulated derivatives, and short-term “repo” lending markets, among many other red flags. Yet there was pervasive permissiveness; little meaningful action was taken to quell the threats in a timely manner.” The Commission especially singles out the Fed’s “failure to stem the flow of toxic mortgages.”

“More than 30 years of deregulation and reliance on self-regulation by financial institutions, championed by former Federal Reserve chairman Alan Greenspan and others, supported by successive administrations and Congresses, and actively pushed by the powerful financial industry at every turn, had stripped away key safeguards, which could have helped avoid catastrophe. This approach had opened up gaps in oversight of critical areas with trillions of dollars at risk, such as the shadow banking system and over-the-counter derivatives markets. In addition, the government permitted financial firms to pick their preferred regulators in what became a race to the weakest supervisor.”

“Too many of these institutions acted recklessly, taking on too much risk, with too little capital, and with too much dependence on short-term funding. … [Large investment banks and bank holding companies] took on enormous exposures in acquiring and supporting subprime lenders and creating, packaging, repackaging, and selling trillions of dollars in mortgage-related securities, including synthetic financial products.” The report goes on to fault “poorly executed acquisition and integration strategies that made effective management more challenging,” narrow emphasis on mathematical models of risk as opposed to actual risk, and short-sighted compensation systems at all levels.

“In the years leading up to the crisis, too many financial institutions, as well as too many households, borrowed to the hilt. … [A]s of 2007, the leverage ratios [of the five major investment banks] were as high as 40 to 1, meaning for every $40 in assets, there was only $1 in capital to cover losses. Less than a 3% drop in asset values could wipe out a firm. To make matters worse, much of their borrowing was short-term, in the overnight market—meaning the borrowing had to be renewed each and every day. … And the leverage was often hidden—in derivatives positions, in off-balance-sheet entities, and through “window dressing” of financial reports available to the investing public. … The heavy debt taken on by some financial institutions was exacerbated by the risky assets they were acquiring with that debt. As the mortgage and real estate markets churned out riskier and riskier loans and securities, many financial institutions loaded up on them.”

“[K]ey policy makers … were hampered because they did not have a clear grasp of the financial system they were charged with overseeing, particularly as it had evolved in the years leading up to the crisis. This was in no small measure due to the lack of transparency in key markets. They thought risk had been diversified when, in fact, it had been concentrated. … There was no comprehensive and strategic plan for containment, because they lacked a full understanding of the risks and interconnections in the financial markets. … While there was some awareness of, or at least a debate about, the housing bubble, the record reflects that senior public officials did not recognize that a bursting of the bubble could threaten the entire financial system. … In addition, the government’s inconsistent handling of major financial institutions during the crisis—the decision to rescue Bear Stearns and then to place Fannie Mae and Freddie Mac into conservatorship, followed by its decision not to save Lehman Brothers and then to save AIG—increased uncertainty and panic in the market.”

“In our economy, we expect businesses and individuals to pursue profits, at the same time that they produce products and services of quality and conduct themselves well. Unfortunately … [l]enders made loans that they knew borrowers could not afford and that could cause massive losses to investors in mortgage securities. … And the report documents that major financial institutions ineffectively sampled loans they were purchasing to package and sell to investors. They knew a significant percentage of the sampled loans did not meet their own underwriting standards or those of the originators. Nonetheless, they sold those securities to investors. The Commission’s review of many prospectuses provided to investors found that this critical information was not disclosed.

“Many mortgage lenders set the bar so low that lenders simply took eager borrowers’ qualifications on faith, often with a willful disregard for a borrower’s ability to pay. … While many of these mortgages were kept on banks’ books, the bigger money came from global investors who clamored to put their cash into newly created mortgage-related securities. It appeared to financial institutions, investors, and regulators alike that risk had been conquered. … But each step in the mortgage securitization pipeline depended on the next step to keep demand going. From the speculators who flipped houses to the mortgage brokers who scouted the loans, to the lenders who issued the mortgages, to the financial firms that created the mortgage-backed securities sleeve jersey, collateralized debt obligations (CDOs), CDOs squared, and synthetic CDOs: no one in this pipeline of toxic mortgages had enough skin in the game. When borrowers stopped making mortgage payments, the losses—amplified by derivatives—rushed through the pipeline. As it turned out, these losses were concentrated in a set of systemically important financial institutions.”

“The enactment of legislation in 2000 to ban the regulation by both the federal and state governments of over-the-counter (OTC) derivatives was a key turning point in the march toward the financial crisis. . electric lint remover.. OTC derivatives contributed to the crisis in three significant ways. First, one type of derivative—credit default swaps (CDS) fueled the mortgage securitization pipeline. CDS were sold to investors to protect against the default or decline in value of mortgage-related securities backed by risky loans. … Second, CDS were essential to the creation of synthetic CDOs. These synthetic CDOs were merely bets on the performance of real mortgage-related securities. They amplified the losses from the collapse of the housing bubble by allowing multiple bets on the same securities and helped spread them throughout the financial system. … Finally, when the housing bubble popped and crisis followed, derivatives were in the center of the storm. AIG, which had not been required to put aside capital reserves as a cushion for the protection it was selling, was bailed out when it could not meet its obligations. The government ultimately committed more than $180 billion because of concerns that AIG’s collapse would trigger cascading losses throughout the global financial system. In addition, the existence of millions of derivatives contracts of all types between systemically important financial institutions—unseen and unknown in this unregulated market—added to uncertainty and escalated panic, helping to precipitate government assistance to those institutions.”

“The three credit rating agencies were key enablers of the financial meltdown. The mortgage-related securities at the heart of the crisis could not have been marketed and sold without their seal of approval. Investors relied on them, often blindly. In some cases, they were obligated to use them, or regulatory capital standards were hinged on them. … [T]he forces at work behind the breakdowns at Moody’s … includ[ed] the flawed computer models, the pressure from financial firms that paid for the ratings, the relentless drive for market share, the lack of resources to do the job despite record profits, and the absence of meaningful public oversight.”

In a 27-page dissenting statement, Vice Chairman Bill Thomas and Commissioners Keith Hennessey and Douglas Holtz-Eakin criticized the majority report for being an “account of bad events” rather than a “focused explanation of what happened and why.” According to the three Republicans, the majority report ignored the global nature of the financial crisis and, consequently, focused too narrowly on US regulatory policy and supervision. For those reasons, the dissent argues that the majority’s conclusion that the crisis could have been avoided with more restrictive regulations, in conjunction with more aggressive regulators and supervisors, is false. The dissent lists ten essential causes of the financial and economic crisis: Credit bubble, Housing bubble, Nontraditional mortgages, Credit ratings and securitization, Financial institutions concentrated correlated risk, Leverage and liquidity risk, Risk of contagion, Common shock, Financial shock and panic, Financial crisis causes economic crisis.

American Enterprise Institute senior fellow Peter Wallison authored a 93-page dissent in which he disagreed with both the majority report and the three other Republican appointees. Wallison argued that the US government’s housing policies—implemented primarily through the government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac—caused the financial crisis. In specific, Wallison named the GSEs’ Affordable Housing goals, heightened enforcement of the Community Reinvestment Act, and the Department of Housing and Urban Development’s Best Practices Initiative as the primary culprits. According to Wallison, these programs, which were intended to give low- and moderate-income borrowers better access to mortgage credit, ultimately required Fannie Mae and Freddie Mac to reduce the mortgage underwriting standards they used when acquiring loans from originators. Because the GSEs dominated the mortgage market, they set the underwriting standards for the entire industry and pushed private institutions into riskier loans. Wallison concludes that these policies fueled a massive housing bubble full of non-traditional, risky loans that ultimately led to a financial crisis. Regarding the AEI paper, Phil Angelides, chairman of the FCIC, has stated: “The source for this newfound wisdom [is] shopworn data, produced by a consultant to the corporate-funded American Enterprise Institute, which was analyzed and debunked by the FCIC Report.”

The report made the New York Times and Washington Post best sellers lists and The New York Review of Books hailed it as “the most comprehensive indictment of the American financial failure that has yet been made” and “the definitive history of this period.”

The vote of the four Republicans on the commission to ban the words “Wall Street,” “shadow banking,” “interconnection,” and “deregulation” from the main report—which was rejected by the six Democratic commissioners but carried out in the dissenting Republican report—was criticized by some such as Bethany McLean, Paul Krugman, and Shahien Nasiripour. Business columnist Joe Nocera also criticized the partisanship of the Republican members of the commission who issued a nine-page as seen on tv toothpaste dispenser, three-footnote minority report before the report had been written. According to Nocera the contents of the report “simply reiterates longstanding Republican dogma.”

Sankt Ambrosius

Skt. Ambrosius, (Aurelius Ambrosius) eller Ambrosius af Milano (latin: Sanctus Ambrosius, italiensk: Sant’Ambrogio), født ca. 340 i Trier (i det nuværende Tyskland), død 4. april 397 i Milano, Italien, var biskop af Milano fra 374 til sin død. Han var en af de mest prominente kirkefolk i 4. årh. e.v.t. hvor kristendommen blev den dominerende religion i Romerriget. Sammen med Augustin, Hieronymus og Gregor 1. hører han til de såkaldte kirkelærere. Blev efter sin død udnævnt til helgen med festdag 7. december. Ambrosius blev i 369 udnævnt til landshøvding (praefectus consulare) i Milano, men blev siden valgt som biskop.

Ambrosius blev født ind i en romersk embedsfamilie. En legende fortæller, at en bisværm landede på hans ansigt da han var spæd, og efterlod en dråbe honning. Hans far anså dette som et tegn på fremtidig veltalenhed. Han blev derfor uddannet i Rom for at kunne følge i sin fars fodspor, og han fik en vigtig stilling i Milano, som på det tidspunkt var Italiens anden hovedstad.

Kirken i Milano var, som i størstedelen af kristenheden, delt mellem trinitarerne og arianerne, og da biskop Auxentius døde i 372, udbrød der uroligheder mellem tilhængerne af de to grupperinger. Det var da Ambrosius’ opgave som landshøvding at forhindre yderligere vold, så han mødte personligt frem. Et barn skal da have råbt “Ambrosius er biskop”, og folkeskaren fulgte med thermos vacuum insulated bottle. Ambrosius nægtede først, da han ikke var døbt, men kejseren sanktionerede, og den 7. december 374 modtog han dåben sammen med sin præste- og bispevielse. Det er ikke usandsynligt, at han allerede var kandidat, da han allerede var kendt for at sympatisere med trinitarernes sag, samtidigt med at han gjorde visse indrømmelser overfor arianerne.

Som biskop antog Ambrosius straks en asketisk livsstil, uddelte sine penge til de fattige og donerede sin ejendom til kirken, mens hans familie blev overladt i broderens varetægt. Han blev kendt for sin hårde kurs imod kættere, men fulgte i realiteten en pragmatisk kurs for at forhindre splittelse mellem de kristne. I stedet lagde han stor kraft i bestræbelserne på at udrydde den hedenske religion, og fik overtalt kejseren til at konfiskere de værdier, den traditionelle statskult havde samlet i templerne.

I 388 blev en synagoge nedbrændt i Callinicum ved Eufrat på initiativ af biskoppen i Edessa. Kejser Theodosius 1. krævede gerningsmændene straffet, og synagogen genopbygget på biskoppens regning. Da greb Ambrosius harmfuldt ind: En kirkens mand skulle ikke tvinges til at bygge en synagoge, “et vantroens og ryggesløshedens sted”: “Jeg erklærer, at jeg har stukket synagogen i brand, ja, at jeg har givet ordre til det, for at det ikke længere skulle være et sted, hvor Kristus blev fornægtet,” skrev han 1 liter water bottle bpa free. Kirkens magt var stor nok til, at Ambrosius fik tvunget kejseren til at tilbagekalde ordren og indvilge biskoppen i Edessa og de øvrige gerningsmænd straffrihed meat pounder.

Det var igennem Ambrosius’ prædikener, at Augustin blev omvendt til kristendommen. I år 384 kom den da trediveårige professor i latinsk retorik, Augustin, til Milano for at undervise i litteratur og veltalenhed. Han opsøgte byens biskop for at stille ham nogle spørgsmål om troen. Ambrosius sad og læste i sin celle, og Augustin fortæller i sin selvbiografi, Bekendelser: “Når han læste, løb hans øjne over siden, og hans hjerte søgte meningen, men hans stemme var tavs, og tungen stille. Hvem som helst kunne frit nærme sig ham, og gæster blev almindeligvis ikke meldt. Derfor skete det ofte, når vi kom for at besøge ham, at vi fandt ham sådan, læsende i stilhed. For han læste aldrig højt.” Det skal være et af de første eksempler på indenad-læsning i vestlig litteratur. I dag ser vi intet mærkværdigt ved det, men den gang læste folk som regel højt. Tegnsætning som komma, punktum og små og store bogstaver kom først i brug i løbet af 400-tallet, og gjorde indenad-læsning nemmere. Augustin, som Cicero før ham, måtte øve på en tekst før han læste den højt.

La Consolacion College – Daet

The La Consolacion College – Daet is a Catholic school in Daet in the province of Camarines Norte in the Philippines. The school was founded in 1948 as Daet Parochial School by Monsignor Antonino O. Reganit, the then parish priest of St. John the Baptist Parish.

The founder’s dream of putting up a Catholic co-education institution in the parish was made a reality by the generosity of the Daet Parishioners and the moral and financial support extended by Msgr. Pedro P. Santos, Bishop of Nueva Caceres, and the then governor of the province, Hon. Governor Wilfredo Panotes.

It was on July 5, 1948 when 220 young children first entered the school. Named Daet Parochial School, the school graduated its first elementary pupils on April 11, 1949 of the same school year, 1948–1949 and its first high school students on April 15, 1953.

The school’s operation and management was turned over to the Augustinian Sisters of the Philippines (ASP) in SY 1949-1950 with Sr. Ambrosia as first Directress/Principal and Sr. Juana as the first Mother Superior

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The conversion of Daet Parochial School to La Consolacion School of Daet came in 1970 at the advent of Vatican II and in keeping with the modern sense of fellowship. From then on, the Family Council (FC) touchless toothpaste dispenser, an organization of parents and teachers in school, and the Board of Trustees had been made functional.

The La Consolacion School of Daet adopted the Catholic Schools-Systems Development (CS-SD) Program and the Social Orientation-Education Program (SO-EP CIP) in 1983. The school went through a series of Congregational Evaluation Visits (CEV) with the aim of accreditation by the Philippine Accrediting Association of Schools, Colleges and Universities (PAASCU). While in evaluation stage, the La Consolacion School of Daet worked for the offering of collegiate courses and was successfully granted permits and recognition for the operation of the Liberal Arts, Commerce and Education courses. As La Consolacion College – Daet since 1986, the school now numbers 2,284 students.

Four Catalan Augustinian Sisters arrived in Manila from the port of Barcelona, Spain, on April 6, 1883 to dedicate themselves to care for and educate the orphans of the 1882 cholera epidemic by establishing the Asilo-Coleglo de Manadaloya. More Spanish Sisters came the following year but the tedious work and social condition of the country forced most of the Sisters to return to Spain with the exception of Sisters Rita and Joaquina Barcelo Y Pages.

When the Filipino-American War broke out, the remaining Spanish Sisters were forced to abandon the first Ten Filipino Sisters. In 1899, these Filipino Sisters took possession of the Franciscan buildings in Sampaloc and opened an asilo-colego just in time for the start of classes in June. In 1902, through the beseeching of the clergy, the orphanage-school became a full-pledge academic institution whose objective was to provide training to those intending to pass the civil service exam that the students might be able to teach in the public schools. The first to be recognized of all private schools in Manila female soccer goalie, Mr. G pilling razor.A.O’Reilly, Superintendent of Private Schools, described it “most proficient”.

Katherine Levac

Katherine Levac, née le , est une humoriste et comédienne franco-ontarienne, diplômée de l’École nationale de l’humour en 2013.

En 2014, Katherine Levac remporte la finale d’En route vers mon premier gala Juste pour rire, puis elle présente un numéro au gala Les rejets, animé par François Bellefeuille. Elle présente également plusieurs spectacles dans le cadre du Zoofest : Champagne May West, Kat et Jay, part 1 et Harry Potter show pill shaver. Elle y remporte d’ailleurs le prix Artiste de l’année. Katherine Levac fait aussi les premières parties de Jean-François Mercier.

En mai 2015, Katherine Levac fait partie de l’émission Les 5 prochains, documentaire présenté par ARTV, qui suit 5 humoristes de la relève.

Lors du Gala Les Olivier 2015, Katherine Levac remporte le trophée Découverte de l’année. Elle est ainsi la première femme à gagner dans cette catégorie.

En 2016, sa perte de poids constatée lors de son passage à l’émission Les échangistes de Pénélope McQuade, sur les ondes de Radio-Canada, lui vaut une question de l’animatrice, à laquelle elle ne répond pas, indiquant faire la distinction de ce qui est privé et public.

Sa citation favorite est «Miaou».

Katherine Levac est chroniqueuse à Cap sur l’été (ICI Radio-Canada Télé) et à Paparagilles (ARTV). Elle joue dans Code F design custom football uniforms. sur les ondes de VRAK. Depuis 2016, Katherine Levac joue dans Like-moi!, comédie à sketchs présentée sur les ondes de Télé-Québec.

Katherine Levac fait partie de la troupe de comédiens maison de l’adaptation québécoise de Saturday Night Live : SNL Québec. L’émission est présentée sur les ondes de Télé-Québec de février 2014 à mars 2015. Après l’annonce du non-renouvellement pour septembre 2015, ICI Radio-Canada Télé recueille la bande de comédiens dans un nouveau concept : une émission à sketches nommée Le Nouveau Show.

C’est grâce à SNL Québec que Paidge Beaulieu, personnage franco-ontarien imaginé par Katherine Levac, s’est faite connaitre du grand public.

Katherine Levac grandit à St-Bernardin dans l’Est-ontarien, à environ une heure de Montréal et une quinzaine de minutes d’Hawkesbury

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. Elle a fréquenté l’École secondaire catholique régionale de Hawkesbury avant de poursuivre ses études à l’Université d’Ottawa où elle obtient un baccalauréat en littérature française . Lors de son passage à l’Université d’Ottawa, elle joue dans la ligue d’improvisation. Elle participe même à Coupe universitaire d’improvisation et participe au championnat de l’équipe coupe de 2011 à Sherbrooke.

Ses deux frères fondent en 2009 le groupe musical Pandaléon .

Capricho (psicología)

Un capricho es una idea o propósito que uno forma arbitrariamente, fuera de las reglas ordinarias y comunes, sin razón.

Como acto psíquico es un acto de la voluntad imperfecto. Toda su importancia y estudio se reduce al análisis de una perturbación cualquiera de la potencia estimativa que, por flojedad de carácter, voluntad débil o antojos no contrariados, merma a su vez la potencia volitiva y conduce al ser humano, inteligencia libre, a obrar contra razón y contra toda norma moral o equitativa. Del capricho a la aberración del gusto, a la transgresión legal y a la delincuencia small glass bottle, no media gran distancia football custom shirts.

Los caprichos que suelen asaltar a las mujeres embarazadas reciben el nombre de antojos.

Las estrellas de Hollywood y de rock son conocidas por sus peticiones caprichosas professional goalie gloves.​ No todas estas peticiones se deben a la excentricidad ya que algunas tienen un propósito práctico. Un ejemplo de esto se encuentra en el grupo Van Halen. Los miembros de esta banda a menudo tenían problemas en sus giras y actuaciones porque los encargados no habían respetado las especificaciones técnicas del contrato best bottle for water, de modo que decidieron empezar a solicitar un cuenco de M&M’s en donde no hubiera caramelos marrones. De este modo, si aparecían golosinas de este color era señal de que los organizadores no se habían leído detalladamente el contrato y había que revisarlo todo.​