936 resultados para Metropolitan Federal Savings and Loan Bank (Southfield, Mich.)


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This article examines the dispute resolution process of conciliation through a detailed study of Australian workplace sexual harassment complaints. It links two data sets: settlement details of a census of conciliated complaints lodged under all federal, State, and Territory anti-discrimination laws in a six-month period; and interviews undertaken with 71 professionals who have extensive, first-hand experience of conciliation processes in anti-discrimination jurisdictions. The article provides a critique of the effectiveness of conciliation as a form of ADR within the individualised constraints of current anti-discrimination laws.

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Phishing, a form of on-line identity theft, is a major problem worldwide, accounting for more than $7.5 Billion in losses in the US alone between 2005 and 2008. Australia was the first country to be targeted by Internet bank phishing in 2003 and continues to have a significant problem in this area. The major cyber crime groups responsible for phishing are based in Eastern Europe. They operate with a large degree of freedom due to the inherent difficulties in cross border law enforcement and the current situation in Eastern Europe, particularly in Russia and the Ukraine. They employ highly sophisticated and efficient technical tools to compromise victims and subvert bank authentication systems. However because it is difficult for them to repatriate the fraudulently obtained funds directly they employ Internet money mules in Australia to transfer the money via Western Union or Money gram. It is proposed a strategy, which firstly places more focus by Australian law enforcement upon transactions via Western Union and Money gram to detect this money laundering, would significantly impact the success of the Phishing attack model. This combined with a technical monitoring of Trojan technology and education of potential Internet money mules to avoid being duped would provide a winning strategy for the war on phishing for Australia.

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Shared Services involves the convergence and streamlining of an organisation’s functions to ensure timely service delivery as effectively and efficiently as possible. This would result in lower cost, improved service delivery and economies of scale. The conventional wisdom of today is that the potential for Shared Services is increasing due to the increasing costs of changing systems and business requirements and also in implementing and running information systems (IS). However many organizations opt instead for an outsourcing arrangement as the alternative towards cost savings, due in essence to a lack of realization of this potential for Shared Services. This paper rationales turning from outsourcing (to looking within organisations) to leverage on Shared Services for similar cost savings and reaping other potential benefits. The paper’s objectives and contributions are three-fold: (1) distinguish between Shared Services and Outsourcing, (2) report on insights from a single Australian university case study through a transaction cost lens, and to demonstrate the potential for Shared Services and (3) develop a decision model to gauge the potential of implementing Shared Services across similar organisations.

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Purpose of review: To describe articles since January 2013 that include information on how costs change with infection prevention efforts. Recent findings: Three articles described only the costs imposed by nosocomial infection and so provided limited information about whether or not infection prevention efforts should be changed. One article was found that described the costs of supplying alcohol-based hand run in low-income countries. Eight articles showed the extra costs and cost savings from changing infection prevention programmes and discussed the health benefits. All concluded that the changes are economically worthwhile. There was a systematic review of the costs of methicillin-resistant Staphylococcus aureus control programmes and a methods article for how to make cost estimates for infection prevention programmes. Summary: The balance has shifted away from studies that report the high cost of nosocomial infections toward articles that address the value for money of infection prevention. This is good as simply showing a disease is high cost does not inform decisions to reduce it. More research, done well, on the costs of implementation, cost savings and change to health benefits in this area needs to be done as many gaps exist in our knowledge.

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In this chapter we use Bernstein’s (2000) model of pedagogic rights to examine the learning experiences for non-Indigenous teachers in two reconciliation projects. In the context within which we write, reconciliation is the process of establishing a culture of mutual respect between Aboriginal and Torres Strait Islander peoples and non-Indigenous Australians. In 1991, the Royal Commission into Aboriginal Deaths in Custody linked the continuation of racism in Australian society to the weak coverage of Aboriginal and Torres Strait Islander content in the school curriculum (Reconciliation Australia 2010). Nearly two decades later, the Melbourne Declaration on Educational Goals for Young Australians issued by the council of Federal, State and Territory Ministers of Education proclaimed that curriculum should enable all students to ‘understand and acknowledge the value of Indigenous cultures and possess the knowledge, skills and understanding to contribute to, and benefit from reconciliation between Indigenous and non-Indigenous Australians’ (MCEETYA 2008, 9). Education holds out promise not only of better life chances for Indigenous young people, but also of replacing myths with understanding and tackling prejudice and racism within the non-Indigenous population. Bernstein’s (2000) model of pedagogic rights promises some purchase on this pedagogic work by providing concepts for looking systematically at the participation of non-Indigenous teachers in education. As observed by Frandji and Vitale (Chapter 2, this volume), the model is not sufficient to achieve a democratic reality, ‘but simply provides a basis for problematizing reality and considering possibilities’.

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This paper evaluates and compares the system performance of a solar desiccant-evaporative cooling (SDEC) system with a referenced conventional variable air volume (VAV) system for a typical office building in all 8 Australian capital cities. A simulation model of the building is developed using the whole building simulation software EnergyPlus. The performance indicators for the comparison are system coefficient of performance (COP), annual primary energy consumption, annual energy savings, and annual CO2 emissions reduction. The simulation results show that Darwin has the most apparent advantages for SDEC system applications with an annual energy savings of 557 GJ and CO2 emission reduction of 121 tonnes. The maximum system COP is 7. For other climate zones such as Canberra, Hobart and Melbourne, the SDEC system is not as energy efficient as the conventional VAV system.

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The eradication of an invasive plant species can provide substantial ecological and economic benefits by eliminating completely the negative effects of the weed and reducing the high cost of continuing control. A 5-yr program toward the eradication of hill raspberry (Rubus niveus Thunb.) in Santiago Island is evaluated using delimitation and extirpation criteria, as well as assessment of the ecological community response to management techniques. Currently, hill raspberry is located in the humid zone of Santiago island. It is distributed over three main infestations, small patches, and many scattered individuals within an area of approximately 1,000 ha. New infestations are constantly being found; every year, new detections add an area of approximately 175 ha. Adult and juvenile individuals are still found, both beyond and within known infestations. Both plant and seed bank density of hill raspberry decreased over time where infestations were controlled. Species composition in the seed bank and existing vegetation were significantly different between areas under intensive control and adjacent uninvaded forest. After 5 yr of intensive management, delimitation of hill raspberry has not been achieved; new populations are found every year, increasing the infested area that requires management. Off-target effects on native species resulting from control efforts seem to be substantial. Although a vast increase in economic investment would allow intensive searching that might enable all individuals to be found and controlled, the resultant disturbance and off-targets effects could outweigh the conservation benefits of eradication.

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Contains the constitution, by-laws, correspondence, papers, and minutes of the Synagogue Council of America (1935-1958), an incomplete set of the minutes of the Plenum, (1949-1965), the minutes of the Executive Committee (1946-1969), Officers' (Summit) Meetings (1955-1967) and the minutes and reports of the Budget Committee (1946-1966), financial reports and statements for 1942-1965 and fundraising activities (1958-1968).

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This thesis aims at finding the role of deposit insurance scheme and central bank (CB) in keeping the banking system safe. The thesis also studies the factors associated with long-lasting banking crises. The first essay analyzes the effect of using explicit deposit insurance scheme (EDIS), instead of using implicit deposit insurance scheme (IDIS), on banking crises. The panel data for the period of 1980-2003 includes all countries for which the data on EDIS or IDIS exist. 70% of the countries in the sample are less developed countries (LDCs). About 55% of the countries adopting EDIS also come from LDCs. The major finding is that the using of EDIS increases the crisis probability at a strong significance level. This probability is greater if the EDIS is inefficiently designed allowing higher scope of moral hazard problem. Specifically, the probability is greater if the EDIS provides higher coverage to deposits and if it is less powerful from the legal point of view. This study also finds that the less developed a country is to handle EDIS, the higher the chance of banking crisis. Once the underdevelopment of an economy handling the EDIS is controlled, the EDIS separately is no longer a significant factor of banking crises. The second essay aims at determining whether a country s powerful CB can lessen the instability of the banking sector by minimizing the likelihood of a banking crisis. The data used include indicators of the CB s autonomy for a set of countries over the period of 1980-89. The study finds that in aggregate a more powerful CB lessens the probability of banking crisis. When the CB s authority is disentangled with respect to its responsibilities, the study finds that the longer tenure of CB s chief executive officer and the greater power of CB in assigning interest rate on government loans are necessary for reducing the probability of banking crisis. The study also finds that the probability of crisis reduces more if an autonomous CB can perform its duties in a country with stronger law and order tradition. The costs of long-lasting banking crises are high because both the depositors and the investors lose confidence in the banking system. For a rapid recovery of a crisis, the government very often undertakes one or more crisis resolution policy (CRP) measures. The third essay examines the CRP and other explanatory variables correlated with the durations of banking crises. The major finding is that the CRP measure allowing the regulation forbearance to keep the insolvent banks operative and the public debt relief program are respectively strongly and weakly significant to increase the durations of crises. Some other explanatory variables, which were found by previous studies to be related with the probability of crises to occur, are also correlated with the durations of crises.

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This report presents a new theory of internal marketing. The thesis has developed as a case study in retrospective action research. This began with the personal involvement of the author in an action research project for customer service improvement at a large Australian retail bank. In other words, much of the theory generating ‘research’ took place after the original project ‘action’ had wound down. The key theoretical proposition is that internal marketing is a relationship development strategy for the purpose of knowledge renewal. In the banking case, exchanges of value between employee participants emerged as the basis for relationship development, with synergistic benefits for customers, employees and the bank. Relationship development turned out to be the mediating variable between the learning activity of employee participants at the project level and success in knowledge renewal at the organisational level. Relationship development was also a pivotal factor in the motivation and customer consciousness of employees. The conclusion reached is that the strength of relationship-mediated internal marketing is in combining a market focused commitment and employee freedom in project work to achieve knowledge renewal. The forgotten truth is that organisational knowledge can be renewed through dialogue and learning, through being trustworthy, and by gaining the trust of employees in return.

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In this paper we consider an N x N non-blocking, space division ATM switch with input cell queueing. At each input, the cell arrival process comprises geometrically distributed bursts of consecutive cells for the various outputs. Motivated by the fact that some input links may be connected to metropolitan area networks, and others directly to B-ISDN terminals, we study the situation where there are two classes of inputs with different values of mean burst length. We show that when inputs contend for an output, giving priority to an input with smaller expected burst length yields a saturation throughput larger than if the reverse priority is given. Further, giving priority to less bursty traffic can give better throughput than if all the inputs were occupied by this less bursty traffic. We derive the asymptotic (as N --> infinity) saturation throughputs for each priority class.

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Resumen: El análisis de los indicadores de ingresos, desigualdad y pobreza en cada uno de los 32 centros urbanos muestra las grandes disparidades regionales de la Argentina. En la Zona Norte del país el ingreso per capita es un 35% inferior al promedio nacional, la pobreza es 4 veces mayor que en la capital y la distribución del ingreso es más desigual. Los datos estadísticos disponibles indican que el crecimiento económico y las políticas públicas que se han implementado recientemente han reducido los niveles de pobreza agregados, pero han tenido poco impacto en las regiones más pobres del país. Por otra parte, el impacto distributivo de las políticas y programas públicos en la Argentina es reducido cuando se los compara con lo que sucede en los países mas desarrollados. Se requiere el diseño y la implementación de nuevas políticas públicas de reducción de la pobreza que se focalicen en los problemas y dificultades específicas que enfrentan las regiones más pobres. Entre ellas se destaca la necesidad de políticas para disminuir la alta informalidad del empleo que caracteriza a estas zonas. Por otra parte, las nuevas políticas deberían transferir las responsabilidades y premiar los esfuerzos propios de los gobiernos locales, reemplazando la actual “cultura de la dependencia” de los programas del gobierno central por un desarrollo institucional local que enfatice la gestión eficiente de las administraciones públicas provinciales y el desarrollo del capital social local.

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Resumen: El propósito del artículo es analizar el acercamiento diplomático de Buenos Aires con Simón Bolívar para sumar fuerzas en el conflicto con Brasil por la soberanía en la Banda Oriental. Intentaremos mostrar por qué intereses políticos Buenos Aires; fuera dominada por la facción “unitaria” o “federal”, y Bolívar; empeñado en liderar la organización nacional de Colombia, Perú y Bolivia, no formalizaron un acuerdo diplomático/militar en el contexto de la creación de los Estados de Bolivia y Uruguay durante el período de 1824-1828. Procuramos la inteligibilidad, interpretación y explicación de la cuestión mediante el análisis de fuentes de información histórica que reflejan la agenda pública de Buenos Aires, y las prioridades políticas de Bolívar en el espacio temporal que nos ocupa.

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O artigo aborda a problemática da gestão de obras públicas no Brasil, alvo de recorrentes irregularidades apontadas pelos órgãos de controle e pela imprensa nacional. A pesquisa parte do diagnóstico constante do Relatório "O Retrato do Desperdício no Brasil", apresentado em novembro de 1995 pela Comissão Temporária do Senado Federal destinada a inventariar as obras inacabadas custeadas com recursos federais, e busca cotejar os problemas apontados naquele Relatório com as medidas adotadas pelo Governo Federal e pelo Congresso Nacional para aperfeiçoar a gestão de obras públicas. O autor argumenta que as medidas adotadas, conquanto corretas, receberam prioridade, intensidade e abrangência incompatíveis com a magnitude do problema.

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Relato da experiência da Coordenação de Estudos Legislativos da Câmara dos Deputados no processo de organização e recuperação da informação legislativa produzida pelo Poder Legislativo Brasileiro. O Sistema de Legislação Informatizada (LEGIN) foi criado em 2001 com a finalidade de ser a aplicação responsável pelo gerenciamento e recuperação das normas federais e internas da Câmara dos Deputados produzidas desde o período do Império.