Annual report of the Commissioner of Banking of state and mutual savings banks of Wisconsin.

Description based on: 9th (1903).

Outline of a plan for a national bank : with incidental remarks on the Bank of the United States.

Goldsmiths'-Kress no. 28073.40.

The origin of the national banking system.

"The material upon which this research rests was collected ... by Mr. Clyde O. Ruggles."

Sistemas de contabilidade de custos em instituições financeiras

O objetivo deste estudo é identificar e descrever uma amostra dos sistemas de custos bancários existentes e em operação no País, inferindo por este meio o grau de desenvolvimento destes sistemas. O assunto foi tratado através de e utilização pesquisa de campo, dividida em três fases, distintas e diferenciadas. Na primeira etapa foram enviados questionários pelo correio a 54 bancos nacionais. Destinavam-se a formar um quadro geral do estágio de desenvolvimento dos sistemas de custos em instituições financeiras. A primeira fase da pesquisa forneceu resultados modestos, basicamente quantitativos e poucas conclusões firmes. Dessa abordagem genérica, o trabalho evoluiu para as outras fases. A segunda fase consistiu em 5 entrevistas levadas a efeito em bancos com experiências diferenciadas na área de custos. A terceira fase, também sob a forma de entrevistas pessoais, foi efetivada a partir da constatação de diversas questões que haviam ficado em aberto a partir da abordagem dada ao assunto na segunda fase. Estas duas últimas fases particularizaram e melhoraram os resultados obtidos, formando um quadro representativo da situação dos sistemas de custos em instituições financeiras. Este quadro indicou uma grande preferência por sistemas de custeio direto, com alocação de "overhead", em detrimento de sistemas de custeio-padrão. Informações de rentabilidade,particularmente em relação aos clientes, estão entre os objetivos mais citados. A pesquisa evidenciou os problemas enfrentados na operacionalização dos sistemas, basicamente na coleta de dados físicos e nos diversos critérios de aproximação que são utilizados. Observou-se que as soluções que melhoram a qualidade da informação gerada pelo sistema passam necessariamente pela otimização da coleta e atualização dos dados físicos. Observouse, ainda, que todos os sistemas estudados tem restrições de ordem metodológica, apontando-se a ampla discussão dos problemas como alternativa para o seu constante aperfeiçoamento.

Mobiliários adaptados para pessoas com paralisia cerebral: um levantamento das teses e dissertações produzidas no Brasil

The Assistive Technology makes the lives of people without disabilities more practical, but for people with disabilities it can make things possible. For these individuals can provide the conditions, making their limitations are not obstacles to their social and personal empowerment, and may contribute to their effective participation in tasks that were previously impossible, such as remaining seated correctly. A segment on which the necessary assistive technology works, is the adaptation of furniture such as chairs, tables, chairs-to-wheels for individuals with disabilities, as well as cerebral palsy. The study aimed to conduct a survey and brief description of theses and dissertations produced in Brazil on furniture adapted for students with cerebral palsy. We made searching in databases of libraries of major universities and federal state national banks, theses and dissertations. Nine studies were selected for description. It was concluded that there is a considerable array of professionals, both in engineering as the field of rehabilitation, to contribute in the adaptation, creation and even the manufacture of furniture for children with cerebral palsy and that the securities most studied are the chairs and their components.

Implementación de un cambio de estrategia en un banco español para su optimización y ventaja competitiva

En la situación actual, en la que la inestabilidad económica es un hecho, se plantea analizar y estudiar el estado de las entidades financieras. El estudio a realizar se circunscribe únicamente al ámbito nacional, debido a la idiosincrasia de los bancos. Para conocer el entorno en el que se mueven los bancos nacionales, se analiza en primer lugar el estado financiero de los países más relevantes a nivel internacional, para posteriormente estudiar la situación económica de España, especialmente en el sector bancario. Se pretende establecer el marco en el que se mueve dicho sector, para poder tener toda la información necesaria para entender no sólo los problemas que afectan a estas entidades, sino también para ver que es necesario un cambio para que estas organizaciones puedan evolucionar y desarrollarse. Una vez detallado el entorno en el que se tienen que mover los bancos, se detallan los principales motivos por los que han perdido credibilidad de cara a los clientes y a los organismos internacionales responsables de velar por la correcta ejecución de las operaciones bancarias, conforme a unas normativas ya establecidas. Se han mencionado algunos ejemplos significativos y con gran repercusión social. No se entra a detallar cada uno de los casos, el objetivo es mostrar que este tipo de actuaciones no sólo perjudican a la propia entidad sino que repercuten en todo el ámbito financiero nacional. Al profundizar en los motivos que han llevado a los bancos a la situación que sufren actualmente, se ve que mantener el mismo método de trabajo no es sostenible a largo plazo; por ello, se plantea un cambio en su estrategia, en concreto un cambio en el modelo de cultura organizacional. Se toma como modelo el empleado en otras empresas, principalmente orientales, por su carácter innovador y por estar más alineadas con las nuevas necesidades y requerimientos de los clientes actualmente. La evolución de las tecnologías ha supuesto un cambio disruptivo en la forma de hacer negocios: algo que debe adoptar la banca para poder, no sólo competir, sino sobrevivir. El cambio de modelo estratégico ha de iniciarse en la Alta Dirección, para propagarse posteriormente al resto de la organización. Al tratarse de un cambio de gran envergadura, su completa implantación llevará años, por lo que es imprescindible realizar un seguimiento y una revisión continua del mismo. Finalmente se comentan las ventajas que el banco conseguirá con este cambio. Éstas abarcan la recuperación de la confianza de los clientes, pasando por una modernización (necesaria en cualquier caso), para completarse con un incremento de los beneficios económicos, que no deja de ser uno de los motores de los bancos. ---ABSTRACT---Nowadays, the economic instability is a fact, so in this project we have studied and analysed the status of financial institutions. This study is limited to the national environment, due to the idiosyncrasy of the banks. In order to understand the environment in which national banks moved, firstly it has been analysed the financial status of the most relevant countries internationally, to study later the economic status of Spain, especially in the banking sector. The aim is to establish a framework in which the sector moves, to have at the end all the necessary information to understand, not only the issues that are affecting to this entities, but also to realize that a change is necessary for their progress and develop. Once detailed the environment in which the banks have to move, it is detailed the main reasons that have lead them to lose credibility with customers, and with international agencies responsible for ensuring the correct execution of banking operations. These operations must be done under established regulations. It has been mentioned some significant examples of mistakes that have had a social impact. It has not been detailed each outrageous, the objective is to show that this kind of actions not only hurt the institution itself, but also affect the entire national financial sector. Into the reasons that have led banks to the actual situation, it can be seen that keeping the same method of working is not sustainable in the long term; therefore, a change of strategy is proposed, more specifically a change in the model of organizational culture. The reference model has been one used by other companies, mainly eastern companies, due to its innovation and its capability to be aligned with the changing needs and requirements of customers nowadays. The evolution of technology has been a disruptive change in the way of doing business: something to be taken by the bank, not only to compete but also to survive. The strategic model change must start with the compromise of CEO’s, and later must be spread to the rest of the organization. It is a major change, so its full implementation will take years, so, it is basic to carry out continuous reviews. Finally, the advantages that the bank will get with this change are discussed. These advantages include recovery of customer confidence, through modernization (something needed anyway), to be enriched by an increase in economic benefits, the engine of the banks.

Referendum pamphlets no.1...

no. 24. On the report of the Special Committee on Water-power Development. Feb.1,1918. -- no. 33. On the report of the Committee on Public Utilities regarding local transportation. Nov.19,1920. -- no. 43. On the report of the Special Committee on Transportation. -- no. 44. On the report of the Committee on Postal Service. Jan.7,1925. -- no. 45. On Advisory Committee's report: powers of national banks. Apr.20,1925. -- no. 46. On Advisory Committee's report: inheritance taxes, coordination of national and state taxation. Apr.20,1925. -- no. 47. On legislation regarding resale prices. --no. 48. On Advisory Committee's report on the merchant marine. Mar.12,1926. -- no. 50. On the report of the Committee on Federal Taxation. Oct.7,1927. -- no. 51. On the report of the Committee on Mississippi Flood Control. Oct.31,1927. -- no. 52. On the report of the Special Committee on Agriculture. Aug.31,1928. -- no. 53. On the report of the Special Committee on Highways and Motor Transport respecting state and local road administration. Jan.9,1929. -- no. 57. On the report of the special report of the Special Committee on National Water-power Policies. Nov.7,1930. -- no. 59. On the report of the Department Committee on Natural Resource Industries. Oct.31,1931.

Report from the Secretary of the Treasury, transmitting returns of the Bank of the United States, in compliance with a resolution of the Senate of the 9th.

Mode of access: Internet.

Speech of Mr. Barnard, of New York, on the treasury note bill. : Delivered in the House of Representatives, (being in committee of the whole,) March 25, 1840.

Checklist Amer. imprints

Flower Garden Banks National Marine Sanctuary: A rapid assessment of coral, fish, and algae using the AGRRA Protocol

The Flower Garden Banks are topographic features on the edge of the continental shelf in the northwest Gulf of Mexico. These banks are approximately 175 km southeast of Galveston, Texas at 28° north latitude and support the northernmost coral reefs on the North American continental shelf. The East and West Flower Garden Banks (EFG and WFG) and Stetson Bank, a smaller sandstone bank approximately 110 km offshore, are managed and protected as the Flower Garden Banks National Marine Sanctuary (FGBNMS). As part of a region-wide initiative to assess coral reef condition, the benthic and fish communities of the EFG and WFG were assessed using the Atlantic and Gulf Rapid Reef Assessment (AGRRA) protocol. The AGRRA survey was conducted during a week-long cruise in August 1999 that was jointly sponsored by the FGBNMS and the Reef Environmental Education Foundation (REEF). A total of 25 coral transects, 132 algal quadrats, 24 fish transects, and 26 Roving Diver (REEF) surveys were conducted. These surveys revealed reefs with high coral cover, dominated by large, healthy corals, little macroalgae, and healthy fish populations. The percent live coral cover was 53.9 and 48.8 at the WFG and EFG, respectively, and the average colony diameter was 93 and 81 cm. Fish diversity was lower than most Caribbean reefs, but large abundances and size of many species reflected the low fishing pressure on the banks. The benthic and fish assemblages at the EFG and WFG were similar. Due to its near pristine conditions, the FGB data will prove to be a valuable component in the AGRRA database and its resulting scale of reef condition for the region. (PDF contains 22 pages.)

Biogeographic characterization of fish communities and associated benthic habitats within the Flower Garden Banks National Marine Sanctuary: sampling design and implementation of scuba surveys on the coral caps

The Flower Garden Banks National Marine Sanctuary (FGBNMS) is located in the northwestern Gulf of Mexico approximately 180 km south of Galveston, Texas. The sanctuary’s distance from shore combined with its depth (the coral caps reach to within approximately 17 m of the surface) result in limited exposure of this coral reef ecosystem to natural and human-induced impacts compared to other coral reefs of the western Atlantic. In spite of this, the sanctuary still confronts serious impacts including hurricanes events, recent outbreaks of coral disease, an increase in the frequency of coral bleaching and the massive Diadema antillarum die-off during the mid-1980s. Anthropogenic impacts include large vessel anchoring, commercial and recreational fishing, recreational scuba diving, and oil and gas related activities. The FGBNMS was designated in 1992 to help protect against some of these impacts. Basic monitoring and research efforts have been conducted on the banks since the 1970s. Early on, these efforts focused primarily on describing the benthic communities (corals, sponges) and providing qualitative characterizations of the fish community. Subsequently, more quantitative work has been conducted; however, it has been limited in spatial scope. To complement these efforts, the current study addresses the following two goals put forth by sanctuary management: 1) to develop a sampling design for monitoring benthic fish communities across the coral caps; and 2) to obtain a spatial and quantitative characterization of those communities and their associated habitats.

A point for comparison: the Flower Garden Banks National Marine Sanctuary

A reoccurring goal listed during the creation of Marine Protected Areas (MPAs) is to return the region to a former state. However, limited data is available that describes or characterizes this former condition. Data collected from ecosystems with comparatively limited anthropogenic impacts, can provide invaluable information in suggesting what former states may have looked like. One example is the Flower Garden Banks National Marine Sanctuary which is located 180 kilometers off the coast of Texas. These relatively isolated and pristine banks are capped by substantial scleractinian coral communities, forming excellent habitat for over 200 species of fish. While fishing is permitted, it is limited by difficulty of access. In 2006, NOAA’s Biogeography Branch, in collaboration with the Sanctuary, initiated the first quantitative assessment of fish resources throughout the diveable portions of the Sanctuary. The sampling design and methodologies employed were identical to those that the Branch has utilized in other more impacted regions of the US Caribbean. Initial analyses reveal that fish density and species richness at the Sanctuary were almost two times greater than that found within the US Caribbean and biomass was approximately six times higher. This was due in large part to the presence of sizeable piscivores of the genera Mycteroperca and Dermatolepis. The Sanctuary is one of few minimally impacted locations remaining within the Tropical Western Atlantic. As such, these findings should be considered when attempting to establish a former state or evaluate effectiveness of an MPA in meeting its management goals.