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Conventional wisdom says that it is better to be a large company than a small one when credit is tight. Bigger firms have more room for maneuver(机动):They have access to more types of funding, they have more fat to cut, and they have greater bargaining power with lenders. Even so, life is getting ever more uncomfortable for the bigger beasts of the corporate jungle.According to the Federal Reserve’s most recent lending survey, American banks are tightening terms more aggressively for bigger firms than for smaller ones. Lenders are more cautious than theyhave been at least since 1990. The story among European banks is similar. Lenders in emerging markets can be more suspicious of multinational firms than they are of locals. "We just don’t know what they’ve got on their balance-sheets back home," says one bank boss in Africa.Violent movements in exchange rates are causing additional headaches, says Andrew Balfour of Slaughter & May, a law firm. Calculations of financial ratios can be thrown out by wild currency movements, potentially triggering breaches of loan agreements. Companies with sterling-denominated credit lines may find that their facilities are not big enough as a result of the pound’s recent sharp fall, for instance.It is not panic stations yet. Most firms can survive for a while with the credit tap turned off. Analysis by Moody’s, a rating agency, shows that the vast majority of highly rated companies in America and Europe have enough headroom, in the form of cash and undrawn bank facilities, to be able to survive for 12 months without needing new financing. European corporate-debt markets have seen a rare flurry(惊慌) of issues in the past few days by opportunistic, highly rated firms.Governments are also working hard to prop up credit markets. The Fed’s program to buy commercial paper, a form of short-term company debt, had acquired almost ＄300 billion by November 26th. Banks on both sides of the Atlantic are issuing lots of government-backed bonds, which should encourage lending. The attitude of the lenders in emerging markets towards multinational firms can be described by the word （）
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I’m interested in the criminal justice system of our country. It seems to me that something has to be done, if we’re to (37) as a country. I certainly don’t know what the answers to our problems are. Things certainly get (38) in a hurry when you get into them, but I wonder if something couldn’t be done to deal with some of these problems. One thing I’m concerned about is our practice of putting (39) in jail who haven’t harmed anyone. Why not work out some system (40) they can pay back the debts they owe society instead of (41) another debt by going to prison and, of course, coming under the (42) of hardened criminals. I’m also concerned about the short prison sentences people are (43) for serious crimes. Of course one alternative to this is to (44) capital punishment, but I’m not sure I would be for that. I’m not sure it’s right to take an eye for eye． (45) . I also think we must do something about the insanity plea. In my opinion, anyone who takes another person’s life intentionally is insane, however， (46) It’s sad, of course, that a person may have to spend the rest of his life, or (47) . 39（）
资本化率是通过折现的方式将房地产的净收益转换为价值的比率；报酬率是直接将房地产的净收益转换为价值的比率。( )
What our society suffers from most today is the absence of consensus about what it and life in it ought to be. Such consensus cannot be gained from society’s present stage, or from fantasies about what it ought to be. For that the present is too close and too diversified, and the future too uncertain, to make believable claims about it. A consensus in the present hence can be achieved only through a shared understanding of the past, as Homer’s epics (史诗) informed those who lived centuries later what it meant to be Greek, and by what hnages and ideals they were to live their lives and organize their societies. Most societies derive consensus from a long history, a language all their own, a common religion, common ancestry. The myths by which they live are based on all of these. But the United States is a country of immigrants, coming from a great variety of nations. Lately, it has been emphasized that an asocial, narcissistic (自我陶醉的) personality has become characteristic of Americans, and that it is this type of personality that makes for the lack of well-being, because it prevents us from achieving consensus that would counteract a tendency to withdraw into private worlds. In his study of narcissism, Christopher Lasch says that modern man, "tortured by self-consciousness, turns to new therapies not to free himself of his personal worries but to find meaning and purpose in life, to find something to live for". There is widespread distress because national morale has declined, and we have lost an earlier sense of national vision and purpose. Contrary to rigid religions or political beliefs, as are found in totalitarian (极权主义的) societies, our culture is one of great individual differences, at least in principle and in theory. But this leads to disunity, even chaos. Americans believe in the value of diversity, but just because ours is a society based on individual diversity, it needs consensus about some dominating ideas more than societies based on uniform origin of their citizens. Hence, if we are to have consensus, it must be based on a myth—a vision—about a common experience, a conquest that made us Americans, as the myth about the conquest of Troy formed the Greeks. Only a common myth can offer relief from the fear that life is without meaning or purpose. Myths permit us to examine our place in the world by comparing it to a shared idea. Myths are shared fantasies that form the tie that binds the individual to other members of his group. Such myths help to ward off feelings of isolation, guilt, anxiety, and purposelessness—in short; they combat isolation and the breakdown of social standards and values. In the author’s view, the greatest trouble with the US society lies in the ______.
记载有10种不同指纹的形状及其所主证候的书为
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