![]() New insights into US flood vulnerability revealed from flood insurance big data. ![]() Environmental and Energy Policy and the Economy 1. Estimating the Costs and Benefits of Fuel Economy Standards. International Journal of Disaster Resilience in the Built Environment. Building Code Effectiveness Grading Schedule Participation Analysis. Full Disclosure: How Smartphones Enhance Consumer Self-Disclosure. Management and Business Review, 1(1), 1-8. Slovic (2020) Learning from the Pandemic to Address Climate Change. The Influence of Sellers on Contract Choice: Evidence from Flood Insurance. Strengthening Local Credit Markets Through Lender-Level Index Insurance. Risk Management Solutions for Climate Change–Induced Disasters. US Transportation Infrastructure Resilience: Influences of Insurance, Incentives, and Public Assistance. Tonn, G., Reilly, A., Czajkowski, J., Ghaedi, H., & Kunreuther, H. Flood Damage and Mortgage Credit Risk: A Case Study of Hurricane Harvey. Speeding Up Post-Disaster Housing Buyouts. Planet or Pocketbook? Environmental Motives Complement Financial Motives for Energy Efficiency Across the Political Spectrum in the United States. Judgment errors in naturalistic numerical estimation. Journal of Marketing Research, published online. The Dynamics of Distortion: How Successive Summarization Alters the Retelling of News. Machine-generated theories of human decision making. The More Who Die, the Less We Care: Evidence from Natural Language Analysis of Online News Articles and Social Media Posts. The Willingness to Pay for Flood Insurance. Journal of Economic Behavior & Organization, 183: 39-56. Journal of Risk and Uncertainty, 61(3), 211-244. Broad bracketing for low probability events. All by myself? Testing descriptive social norm-nudges to increase flood preparedness among homeowners. Adapting Our Flood Risk Policies to Changing Conditions. Disbursing Emergency Relief through Utilities: Evidence from Ghana (No. Economic Development & Institutions.īerkouwer, S. Promoting Accountability in Public Projects: Donors, Audits, and Rural Electrification. ![]() What’s reliability without voltage quality? Energy for Growth Hub. Can Parametric Microinsurance Improve the Financial Resilience of Low-Income Households in the United States? Economics of Disasters and Climate Changeīerkouwer, S., Adkins, J., Hsu, E., Klugman, N., Streff, A., and Wall, A. The willingness to pay for flood insurance. R., Kousky, C., Neupane, S., Daniel, W., & Kunreuther, H. Insuring large stakes: A normative and descriptive analysis of households’ flood insurance coverage. The University of Chicago Press, Journal of the Association of Environmental and Resource Economists.Ĭollier, B., Schwartz, D., Kunreuther, H., & Michel-Kerjan, E. ![]() The Fiscal Impacts of Wildfires on California Municipalities. What Regulators Can Learn from Global Health Governance. Individual hurricane preparedness during the COVID-19 pandemic: Insights for risk communication and emergency management policies. Ecological Economics, 193: 107289.īotzen, W.J.W., Mol, J.M., Robinson, P.J., Zhang, J., Czajkowski, J. Charity hazard and the flood insurance protection gap: an EU scale assessment under climate change. Tesselaar, M., Botzen, W.J.W., Robinson, P.J., Aerts, J.C.J.H., Zhou, F. A framework for defining a role for insurance in “uninsurable” risks: insights from COVID-19. Journal of Banking & Finance, 134, 106350. Market-consistent valuation of natural catastrophe risk. ![]()
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![]() ![]() Roy Toy still hand cuts their sets from pine logs and stains them with non-toxic, vegetable-based food dyes, creating the same bright red wooden gables and traditional green wooden roof planks as originally designed.All Roy Toy building sets are interchangeable, so buy them all for hours of memories.Packaged in a 100% cotton duck bag with a rope tie.Unlike the Cottage, however, the cabin today is far from the real thing in which Lincoln lived. Just like President Lincoln’s Cottage, this building has a fascinating preservation story. Set builds a large log cabin, a medium log cabin, a tree house, a farm with silo, and a large fort, or use your imagination and design your own buildings. The Abraham Lincoln Birthplace in Hodgenville, Kentucky, includes what the Park Service calls a Symbolic Log Cabin.The Deluxe Log Building Set from Roy Toy features 550 all-wooden pieces with an interlocking design.There is no limit to what your young builder can construct with this many pieces! Comes complete with building instructions for a large log cabin, a medium log cabin, a tree house, a farm with silo, and a large fort. The Adley 4m x 3m Lincoln Log Cabin is designed to combine traditional featues with contemporary open plan style to maximise the living space within your. The site also includes the Moore Home, where Lincoln bid farewell to his family in 1861 before leaving to assume the Presidency, and the gravesites of Thomas and Sarah Lincoln at the Thomas Lincoln Cemetery.This Deluxe building set is the largest log building set and was created for the young builder who enjoys designing as well as building. The house and surrounding farm are still being used as they were then and our interpreters portray the family members and neighbours who lived in the area.Ī working, living history farm has been developed around the cabin, and a second historic farmstead, that of Stephen and Nancy Sargent, has been moved to the site to help broaden visitors’ understanding both of life in the 19th century and Lincoln’s legal practice in the community. Today the Thomas Lincoln Farm comes to life through our historic interpreters. Both rooms are furnished with items and artifacts of the 1840s, though none are known to have belonged to the Lincolns. ![]() ![]() ![]() The cabin reconstruction was based on photographs and affidavits, since the original was lost following its move to the Columbian Exposition in 1892. Today, the site includes an accurate reproduction of the Lincolns’ two-room cabin that was reconstructed on the original cabin site in 1935-1936 as a Civilian Conservation Corps (CCC) project. Abraham Lincoln also owned a portion of the farm which he deeded back to his father and step-mother for their use during their lifetime. Experimental Archaeology the ExhibitionĪbraham Lincoln was a lawyer living in Springfield by the time his parents moved here, but his burgeoning law practice often brought him to Charleston and the farm, especially during the 1840s.Putting life into Late Neolithic houses.Registration Form for Individual Members.Registration Form for Institutional Members.Institutional Members Groups & Associations.Unfortunately, that decreased a Lincoln Bicentennial penny value, including those in high grades. Despite this high mintage, you rarely see these coins in circulation since people tend to keep them as collectibles. This is a great way to connect the kids to Abraham Lincoln.Included with this craft:Three class books are included: Abraham Lincolns Log Cabin, If I Were President I Would. The Lincoln penny Log Cabin share was 634,800,000, making these coins abundant and affordable. Institutional Members Higher Education Centres Abraham Lincoln and his log cabin comes complete with Abraham Lincoln facts and a door that opens and the kids can glue Abraham Lincoln inside. Located on the Lincoln Highway, eight miles south of Charleston, Lincoln Log Cabin preserves the site of the last home and farm of Abraham Lincolns father. ![]() ![]() With this principle, it is assumed that there is utmost good faith or honesty among all the parties involved in every transaction.Ĭontent sponsored by Carbon Collective Investing, LCC, a registered investment adviser. This means that both negative and positive information must be reported. The Principle of MaterialityĪccountants must fully disclose all financial data and information in financial reports. The Principle of PeriodicityĪccording to this principle, entries should be accurately reported in the appropriate period. In creating financial statements, such as in the valuation of assets, accountants are urged to assume that the business will continue its operation in the foreseeable future. The Principle of Prudenceįinancial data representation should be based on facts or well-informed judgment and not on speculation or guesswork. This should be achieved without compensating debt by an asset or revenues by an expense. There should be full disclosure of financial information, both negative and positive. With this, accountants are directed to consistently apply the same financial reporting procedures for easy comparison. Under this principle, accountants must provide an accurate and unbiased depiction of the financial situation of a business. This principle means accountants are expected to consistently apply the same standard throughout the reporting process, from one period to the next.Ĭhanges or updates in the standard should be fully disclosed in the footnotes to the financial statement. ![]() It presupposes that parties remain honest in transactions.This concept presupposes that accountants comply with GAAP rules and regulations as a standard practice. For example, revenue should be divided by its relevant periods.Īccountants must strive for full disclosure in financial reports.ĭerived from the Latin phrase “uberrimae fidei” used within the insurance industry. While valuing assets, it should be assumed the business will continue to operate.Įntries should be distributed across the appropriate periods of time. The procedures used in financial reporting should be consistent.īoth negatives and positives should be fully reported with transparency and without the expectation of debt compensation.Įmphasizing fact-based financial data representation that is not clouded by speculation. ![]() The accountant strives to provide an accurate depiction of a company’s financial situation. Accountants are expected to fully disclose and explain the reasons behind any changed or updated standards. Professionals commit to applying the same standards throughout the reporting process to prevent errors or discrepancies. The accountant has adhered to GAAP rules and regulations as a standard. These 10 general principles can help you remember the main mission and direction of the GAAP system. GAAP also facilitates the cross comparison of financial information across different companies. GAAP is meant to ensure a minimum level of consistency in a company's financial statements, which makes it easier for investors to analyze and extract useful information. GAAP improves the clarity of the communication of financial information.īREAKING DOWN Generally Accepted Accounting Principles - GAAP GAAP is a combination of authoritative standards (set by policy boards) and the commonly accepted ways of recording and reporting accounting information. ![]() Generally accepted accounting principles (GAAP) refer to a common set of accepted accounting principles, standards, and procedures that companies and their accountants must follow when they compile their financial statements. Generally Accepted Accounting Principles - GAAP ![]() ![]() ![]() Sequences of synonyms (“The text is unnecessary and redundant”).This is how you can do this without prejudice to the contents. Your purpose is to put your thoughts on paper with the minimum words. The person reviewing your text most likely won’t read into it but quickly scan it through. It is about conveying your ideas and substantiating them. Tip #3: Make the Style More StraightforwardĪ research paper or essay is not a literary contest work. The readers remember what they’ve just read, so a brief recall of the critical points will suffice to make your argument clear. Make the closing paragraphs as short as possible. This practice is redundant and wastes your time and word count. Many people have a habit of writing a mini-summary at the end of each section and “reminding” them about it in the next one. Tip #2: Delete the Chapter-Linking Passages Read the conclusion, making sure there are no “new” ideas you haven’t discussed before. Look through the introduction for any details covered later on and delete them. Their function is to summarize, not repeat what will or has been said in the main body. The introduction and conclusion are essential but not the principal parts of an academic paper. Tip #1: Shorten the introduction and conclusion If they do count and your writing is still too long to be submitted, here’s how you can resolve the issue. Thus, does the overall paper length comprise: Deleting every word means you wrote them in vain (and wasted your time).Ĭheck the following assignment details before spotting the things your text could do without.You might delete something that makes the text unique and beautiful.There is a hazard of losing the essence of your writing.Reduction of your final word count is always an unpleasant thing to do: ![]() The remaining sections (bibliography and appendices) don’t count for the overall paper length.
![]() ![]() Q1 saw 64 SPAC merger announcements and 29 SPAC merger completions.The number of traditional IPOs this quarter nearly surpassed the entire second half of last year. The market saw a slight increase in issuances from the prior quarters, with 9 traditional and 11 SPAC IPOs raising over $2.6 billion.The IPO market continues to be virtually closed for the fourth quarter in a row, with the overwhelming consensus that prospective IPO candidates will need to wait until volatility has subsided for a sustained period of time.Confidence in a slight recovery in corporate earnings, continued challenges in the debt market and a gradual waning of market uncertainties also could help. There’s a backlog of IPO-ready companies needing to raise capital. These firms are expected to remain opportunistic amid valuation resets in the public and private markets.Ī few factors could help the IPO market improve in late 2023. Concerns over profitability, rising costs of debt and a reversion to more conservative underwriting standards have become near-term headwinds. While syndicated M&A and leveraged buyout (LBO) activities have stalled, private equity firms remain active in today’s market. Several high-profile unicorns that delayed potential IPOs have started searching for new private capital, including debt, to bridge their operations until the market finds surer footing. ![]() That’s challenging for many high-growth, high-burn businesses. Since 2008, the IPO market has mainly been fueled by fast-growing tech and pharma and life sciences companies. Now, most companies planning to list should show a track record of - or clear path to - profitability. ![]() Even if the US avoids an official recession, economic growth will probably remain below potential.įewer companies are choosing to go public due to market conditions. The full impact of higher rates on the economy isn’t likely to hit until the second half of this year, pushing back the timing of a potential recession. Increasing risks to financial stability could lead to a tightening in credit conditions and curtail bank lending, leading to lower business investment and consumption growth. Given recent developments concerning some banks’ liquidity, the Fed will probably continue to focus on broader economic conditions while letting its liquidity facilities address any immediate financial stability concerns. The Fed’s forecast of the terminal rate is 5.1% sometime later in 2023 while PwC is modeling 5.25% to 5.50%. In light of robust employment and shifting inflation data, the Federal Reserve will likely continue to tighten policy. While encouraging macro data could keep the growth momentum positive near term, higher interest rates, sticky input costs and financial stability risks will weigh on growth in coming quarters. The US economy entered 2023 with more momentum than anticipated, supported by a strong labor market and healthy consumer spending. ![]() ![]() You can choose from different plans and pricing options depending on your needs and preferences. The simplest way to get a license key for WebStorm is to buy one from JetBrains. Here are some of the ways you can get a license key for WebStorm: If you want to use WebStorm legally, safely, reliably, and ethically, you need to get a legitimate license key from JetBrains. How to Get a Legitimate License Key for WebStorm By using a WebStorm crack 2019 activation code, you are disrespecting their work and hurting their business. JetBrains is a reputable company that invests a lot of time and resources into developing high-quality software for web developers. Using a WebStorm crack 2019 activation code deprives JetBrains of the revenue they deserve for creating and maintaining WebStorm. 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Using a WebStorm crack 2019 activation code violates the terms and conditions of JetBrains, the company that develops and owns WebStorm. Here are some of the risks and disadvantages of using a WebStorm crack 2019 activation code: Why You Should Avoid Using a WebStorm Crack 2019 Activation Code However, using a WebStorm crack 2019 activation code is not a good idea for several reasons. You can download a WebStorm crack 2019 activation code from various websites that offer software cracks, hacks, and keygens. If you are looking for a way to get a free license key for WebStorm, you might be tempted to use a WebStorm crack 2019 activation code that you can find online.Ī WebStorm crack 2019 activation code is a code that claims to bypass the license verification process and unlock all the features of WebStorm for free. ![]() A license key costs $129 per year for individual users, or $649 per year for businesses. You need to purchase a license key to use it for more than 30 days. However, WebStorm is not a free software. WebStorm also supports frameworks like Angular, React, Vue.js, Node.js, and more. ![]() It offers many features and tools to help you create, test, and debug web applications using HTML, CSS, JavaScript, TypeScript, and other languages. WebStorm is a powerful and popular IDE (Integrated Development Environment) for web development. WebStorm Crack 2019: How to Get a Free License Key for Web Development WebStorm Crack 2019 Activation Code With License Key New Version !LINK! ![]() ![]() With IPX8 grade of waterproof, both headphones and waterproof MP3 player can stay submerged under water without sustaining damage. ![]() ![]() With its small size and fashion design, you can take it anywhere. Action Cameras & Accessories Action Cameras GOPRO Accessories Wearable & On-Body Mounts Selfie Sticks & Handgrips Other Action Cam Accessories Protective Accessories Motorized Gimbal Stabilizers Power Accessories Cameras & Camcorders Digital Camcorders 360 Degree Cameras Digital Cameras Digital Photo Frames Lenses & Accessories Lenses Macro Extension Tubes Lens Adapters Lens Hoods & Shades Other Lens Accessories Filters & Accessories UV Filters ND Filters Polarizing Filters Neutral Density Filters Step-Up/Down Rings Filter Kits Other Filter Accessories Close-Up Lens Filters Tripods & Support Tripods Monopods & Support Flashes & Accessories Flashes Flash Triggers Flash Diffusers Flash Chargers & Cables Hot Shoes & Flash Brackets Other Flash Accessories Studio Lighting & Equipment Studio Lighting Soft Boxes Reflectors & Accessories Backgrounds & Accessories Light Stands & Accessories Umbrellas Photography Props Studio Equipment Kit Other Studio Accessories Video Supports & Rigs Stabilizers & Gimbals Cine Dolly & Camera Sliders Camera Cages Shoulder Rigs Video Monitors Clapper Board Follow Focus Matte Boxes Batteries & Power Supplies Bags & Cases Other Camera AccessoriesĤGB MP3 Music Player is your good music helper. ![]() ![]() Through that process, I pray you will discover where you are at, and see where you need to go and what you need to pursue in order for your faith to grow. Stanley is the founder of In Touch Ministries, and a New York Times best-selling author. Over the next few devotionals, I will show you three levels of faith Jesus talks about. You need to follow His guidance on how to build your faith. If you want to learn about faith, you need to listen to Jesus. No one knows more about faith than Jesus. Just like the professional weight trainer for a body builder, Jesus is your professional faith trainer. Many of the people who are seriously into body building have a professional trainer who will work with them to be more effective in building muscle mass and sculpting their body. ![]() Charles Stanley is the senior pastor of First Baptist Church Atlanta and founder of In Touch Ministries, both located in Atlanta, Georgia. INFO > In Touch Devotional Working with creative agency Metaleap, a selection of some of the spot illustrations commissioned for the In Touch Devotional. i m unsure ‘where’ i heard it yesterday: but i heard that what served more than any formula or other way of resisting the temptation to. In Touch Daily Devotional 5th May 2023 Friday Message by Dr. i hav been afraid of bein tempted to follow the modern worlds sexual more’s- again: mainly out of loneliness. I feel ‘newly’: single due to death of my long term boyfriend: over 20 yrs. Stanley that you've come to know and love, right in the palm of your hand. Bible in One Year: 1 Chronicles 13-15 Reflect: Our generous God loves to respond when we call on Him for help. Avoiding: Compromise (pt.2 )really speaks to me just now. Remember the analogy of the body builder from the last two devotionals? Well, if your faith is like a body builder, Jesus is your weight trainer. With the In Touch app, you get all the Christ-centered teaching from Dr. He not only authors it, He is the One who is the developer of our faith. That truth is simply this: Jesus is the Author and Finisher of our faith. ![]() What this passage teaches about faith is vital for you to understand if you are to progress in your faith. ![]() Therefore we also, since we are surrounded by so great a cloud of witnesses, let us lay aside every weight, and the sin which so easily ensnares us, and let us run with endurance the race that is set before us, looking unto Jesus, the author and finisher of our faith, who for the joy that was set before Him endured the cross, despising the shame, and has sat down at the right hand of the throne of God. As we continue to look at faith, I want you to read Hebrews 12:1-2, ![]() ![]() Some applicants may receive a higher or lower regular annual rate depending on a credit evaluation. Offer subject to change without notice.Īdditional information for residents of Quebec only: The regular annual rate for persons applying for the Triangle Mastercard and the Triangle World Elite Mastercard is 22.99% for cash transactions and related fees and 19.99% for all other charges. Any unpaid portion not received by the due date will no longer form part of the equal payments plan and interest will accrue on that amount from the day after the date of your next statement at the applicable regular annual rate. Each month during an equal payments plan you are required to pay in full by the due date that month’s equal payments plan instalment. There is no administration fee charged for entering into a special payments plan. However, if we do not receive the full minimum due on a statement within 59 days of the date of that statement, or any event of default (other than a payment default) occurs under your Cardmember Agreement, all special payment plans on your account will terminate and (i) you will then be charged interest on the balances outstanding on such plans at the applicable regular annual rate from the day after the date of your next statement, and (ii) the balances outstanding will form part of the balance due on that statement. Interest does not accrue during the period of the plan. Dealers may sell for less.įinancing available is “Equal payments, no interest” for 24 months (unless otherwise stated) and is only available on request, on approved credit and on purchases of $150 (unless otherwise stated) or more (Gift Cards excluded) made with your Triangle credit card at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts. **Online prices and sale effective dates may differ from those in-store and may vary by region. ±Was price reflects the last national regular price this product was sold for. The tire producer / manufacturer and Canadian Tire uses this fee to pay for the collection, transportation, and processing of used tires.ĬANADIAN TIRE® and the CANADIAN TIRE T riangle Design are registered trade-marks of Canadian Tire Corporation, Limited. ![]() △The tire producer / manufacturer of the tires you are buying, and Canadian Tire is responsible for the recycling fee that is included in your invoice. ![]() ![]() With all the fantastic narrative, great visual details, epic and quite exciting gameplay, Game Dev Tycoon is a fun business Simulation to play and enjoy. and enjoy running and growing your own Video game Development business. When you have enough money., you can hire employees, rent or buy office building, buy furniture etc. With every new game, Game Dev Tycoon lets you get to a higher level of the game and rewards you with New Consoles, licenses, and money that you can use to buy a number of items to make your production skills a bit more enhanced. You have to create your first few games yourself and with every new game produced, the game unlocks new options, and your game development skills improve. The game takes you back to the Golden Age of Arcade Video Games and allows you to start your business from a Garage, with no investment and no employees. ![]() The game takes you back to the 80s and allows you to establish a Game Development Business, create bestselling video games, sell them to the markets and earn lots and lots of money and become a Game Dev Tycoon. Game Dev Tycoon is a wonderful Business Simulation video game by Greenheart Games. With a very impressive and immersive gameplay at the same time, Theme Hospital offers fantastic 3D graphics, smooth controls and loads of other exciting things to enjoy. Theme Hospital offers various levels of the game, and each level requires a certain degree of experience to build more advanced Hospitals, treat patients with complex diseases and earn more revenue. With a keen Dark sense of Humour, Theme Hospital offers a gameplay that resembles “Theme Park” and because of that, the game attracts even more players from around the globe. The Hospital that the players build must treat all sorts of illnesses, emergencies, and diseases as well as provide the Ambulance services and stuff. According to the gameplay, Theme Hospital keeps on moving the players from One hospital to another and tasks them to Build, Decorate and manage it, create environments that attract the patients, install machines and all kinds of things that a hospital need. The gameplay of Theme Hospital is quite simple yet engaging for almost all of the age groups. Because of being a thematic successor to another great business simulation of that time “Theme Park,” Theme Hospital was a favorite of masses, and it sold over four million copies worldwide. The game tasks the players to design, construct and operate a Hospital. Theme Hospital is 1997’s popular Business Simulation by Bullfrog Entertainment. Wildlife Park offers realistic 3D visuals, beautiful background music and a totally immersive gameplay to enjoy. Wildlife Park offers forty five different species of animals, various animal training options, 20 cool missions, different climate and environmental choices, loads of goals to achieve, and ten different professions for the players to choose between and enjoy the game. Players can build Zoo, Parks, public places, shops etc. There are other objectives of the game as well that allows the players to build more attractions and take the business to further heights and eventually become a tycoon. The earned money will then help the players buy more animals and build more structures, etc. ![]() ![]() ![]() Wildlife Park also lets the players build an Animal Park from scratch, raise a number of different species of animals there, keep them well fed, build their habitats and eventually put them on show to earn money. The game allows the players to Build and Manage their own fantastic Wildlife Compound and features the animals of your choice, Convert the Wildlife Compound into a business place and take care of the animals in order to help the thrive. Wildlife Park is a 2003’s top trending Building, Construction, and management Simulation by JoWood Productions. ![]() |