ShantanuT01/DACTYL-Pretraining huggingface dataset:
Asset Securitization The size of investment assets began to overtake deposits in the United States of America in the 1970’s.This phenomenon eventually caused the need to enhance utilization of available and future assets. In a steady market, the bank uses the information conveyed in prices of assets to significantly allocate capital resource to the most profitable and ultimate use. The bank would consider selling securitize assets or syndicate assets, or borrow funds from another bank in order to meet the growing demand of loans. Most institutions have found asset securitization to be more desirable in building their capital structure. However, there are many ways in which organizations in the financial markets are able to raise funds. Each of the method has its own limitations and advantages. Some of the advantages are raising quick capital and receiving cash flows almost immediately. The limitations associated with borrowing are the risk inherent to the investor and the seller. Due to this disadvantage, most retail banks prefer the use of asset securitization. This is because of its ability to maximize capital and minimize risk through diversification. Asset securitization over other methods of raising capital Asset securitization refers to a modern way of bank financing where the investor aims at profiting from cash flows that are generated from assets being financed rather than the operating cash flows of the bank. Securitization involves grouping assets in single or different pools. The single pool is then sold to willing investors who end up receiving monthly payments in form of principle and interest from the purchased pool. The end result is the investor receiving a highly liquid investment that can offer them yield more than most corporate bonds. The investment also allows the investor to maintain high credit rating. The investor receives immediate capital rather than waiting for maturity of the assets sold. Moreover, asset securitization is deemed to be the best option for retail banking as compared to other funding alternatives suggested above. Asset Pools, quality, and diversification Sirbu & Tyaga (1995, p.54) noted that both performing and non-performing assets that represent future claims can be securitized in a principal market. Examples of asset securitized tools are mortgage –backed securities that contain assets of residential mortgages. The second type is the combined Asset Backed Securities. These types of securities contain assets such as credit card receivables as read from Stone et al. (2003, p.241). Benefits of Asset securitization to the seller The retailing bank benefits from the process by having its assets liquidated while at the same time continuing to focus on core competencies instead of trying to create competition in areas they have massive weaknesses. Roth & Univer (2005, p.64) notes asset securitazation reduces the banks’ capital and liquidity requirements as the assets are moved off balance sheets. Asset securitization offers access to a larger base of capital from the institutional investors. It gives the bank an opportunity to maintain its
The French have a propensity to believe that they are always right. They also believe that other people are always trying to prove them wrong. They wonder why people do not speak French instead of English, why many people prefer American movies to French movies, and why people do not do things in a manner similar to theirs. French people believe that they are right in all matters and situations. The post office is one of the areas where French people’s belief of being always right is evident. Employees believe that they are right because they are French and employed by the government, hence cannot lose their jobs easily. Their attitude of being right is explained by how they menially treat customers at the post office. They make customers wait for long hours on pretext that they are preparing themselves for work. Another example that explains French people’s attitude is the announcement of the 2012 Olympics host. When London was named host, the French wondered how the Olympics committee could be so wrong by selecting London. The games should have been held in Paris, France. The French hate English-speaking countries for many reasons. English-speaking countries do not use things that they invent. For example, the world opted for the World Wide Web that was invented by an Englishman instead of the Minitel, which was invented by the French. French people’s attitude of being always right is also evident in conversations. They believe that their opinions are right and as a result interrupt conversations in order to give their opinions. They do not allow other people to give their opinions. In addition, they do not accept other people’s opinions because they believe that they are wrong. French people’s attitude of being right always dates back to 1789 and to the French revolution. People were required to obey orders from leaders who were considered right all the time. The French are right about many things. Food does not taste better by using foreign names to refer to it, it was beneficial for French people to leave Vietnam in 1954, invading Iraq was a bad idea, and compliments given to women do not signify a man’s intention to rape. On the other hand, they are wrong about several things. For example, they believe that people love passive smoking, many customers loathe being served, nuclear power does not pollute the environment, and Benny Hill is the best British comedian. They also believe that all Britons are polite,
Eudora Welty provides a beautiful portrayal of love and sacrifice as she tells the story of Phoenix Jackson and the long walk she takes in “A Worn Path.” The entire action of the story is this old black woman’s walk through mostly empty country to arrive at a small town decorated for Christmas. Introduced as simply an old woman, bent over, using a walking stick and wearing funny clothes, Phoenix’s character is brought out in intimate detail through the imagery of her journey since many of the physical things she passes are symbolic of the journey she’s taken through life and the journey her race has taken through its history in America. All of this is understood to have contributed to the character of the woman who shuffles her way to town. Not until the end does Welty tell us that Phoenix is making this difficult trip in order to get the medicine her chronically-ill grandson needs in order to breathe. The idea that he is always sick is made clear in Phoenix’s intimate knowledge of the path she walks while the idea that she makes this trip for love is shown in her thoughts of him. By the end of the story, the character Phoenix Jackson is seen as a fully developed human being despite the short space of time in which she is introduced. Through symbolic imagery and careful organization, Welty is able to present Phoenix Jackson in loving detail as a fully fledged human being rather than simply as a character. When she is first seen, Phoenix Jackson does not seem to be a very important or very imposing character. She is described as “an old Negro woman with her head tied in a red rag” (p. 142). Her movements are not graceful as she moves “a little from side to side in her steps, with the balanced heaviness and lightness of a pendulum” and “she carried a thin, small cane made from an umbrella” (p. 142). Reading this kind of imagery, one gets the picture of a penguin, moving forward more by accident because of their vigorous rocking instead of because they’re actually walking. In this, she seems like a very unlikely long-distance walker. Although there is nothing mentioned about her dress, “a dark striped dress reaching down to her shoe tops” (142), that indicates it is a poor woman’s dress, the apron she wears over it, “an equally long apron of bleached sugar sacks” (p. 142), and the untied shoes both suggest a woman who is both poor and either old or unintelligent, possibly both. With the untied shoes, she is again not viewed as a long-distance walker. As the physical description continues, we begin to feel like this is a woman who should have someone home watching out for her and making sure she doesn’t wander too far. “Her eyes were blue with age” and s
Introduction The short play, The Yellow Wallpaper , by Charlotte Perkins Gilman is based on the lives of a chauvinistic husband and a sick wife. The over-dominating nature of the husband called John makes the environment unbearable for the mentally ill wife Jane. The wife is involuntarily imprisoned by the chauvinistic nature of her husband who would not listen to any of her suggestions. Moreover, John is quick at relating any of her ‘weak ‘ideas to mental illness. This paper presents a critique of the play The Yellow Wallpaper from a feminist perspective by applying symbolism to understand the 1800s society. Feminist Critique of the Yellow Wallpaper Detained in a mental prison as a result of the machination of her husband, the main protagonist Jane is deeply embodied in an unending struggle that women seeking freedom in their thoughts and actions face. The short play The Yellow Wallpaper is written figuratively to connote the gender struggle between men and women, especially in the institution of marriage. Although an open interpretation would denote a psychological thriller, it is apparent that the play was mainly a commentary on the unfortunate conditions of the women population in the 1800s. Especially, it captures the views of the author of how th
Being a teacher is an everyday challenge; being a special education teacher is a constant challenge that will not leave even as the classes end. Although the given practice as a special education teacher can be considered only a short-term contract with the peculiarities of special education, it has served as a real eye-opener and became a true revelation to me. Although the role of a special education teacher (SET) is often misdefined as the process of providing the students with the amount of knowledge that they can grasp due to the specifics of their mental state (Hart, Whitmore & Willems, 1999, 13), in the course of practice, it can be outlined after using the proper leadership techniques, critical thinking and progress evaluation as the need to offer the students the required amount of knowledge and the ability to acquire further skills and information on their own, as well as integrate into the society successfully. There is no secret that leadership practices are the key to success in most teaching processes. As long as the leadership style is chosen fits the goals of the students, the teacher can come up with an efficient way to address the needs of every student, which is especially important when working in the special education environment. It is important to mention that my assignment was to teach the primary students (aged 5 to 8 years old) with minor learning disorders, such as dyslexia, and minor developmental disorders, such as ADD and Asperger syndrome. In the course of the practice, I was supposed to help the children learn about the rules of Addition and the underlying mathematical logic. Therefore, it was most reasonable to adopt several leadership practices and combine them to attain a desirable outcome. Primarily, using one leadership practice to meet all the requirements seemed acceptable for me. However, in the special education settings, it became clear that only by combining several strategies into a single framework that could allow better cooperation with the students and closer track of the progress that they made, I could achieve the required results and help the students both absorb the course knowledge and learn to apply them. To be more exact, at first, it was decided that the autocratic leadership style should be chosen to provide close contact with the students and make sure that they learn the required material properly. However, after a while, the students started displaying a close dependency on the guidance of the teacher, which resulted in their inability to acquire knowledge on their own. Therefore, it was required to adopt the participative leadership strategy in order to get the students involved in the learning process. However, it was unlikely that the students were going to get too far on bare enthusiasm, which predetermined the necessity to apply the charismatic leadership strategy, setting the example for the students to follow. As soon as the students’ enthusiasm started to drop, t
EPA Regulations and the Impact on Transportation Standards The objective of the Environmental Protection Agency (EPA) is to establish a program that helps to minimize the greenhouse gas emission. The agency works in liaison with other organizations like the National Highway Traffic Safety Administration (NHTSA) to enhance fuel efficiency. The growth in international trade has led to the expansion of the transport system, and subsequent increase in global warming. To curb this, the Environmental Protection Agency has established regulations with an aim of ensuring that transport companies adhere to environmental rules. The regulations have had numerous impacts on the transportation standards. This paper proposes a study to determine the correlation between the Environmental Protection Agency’s policies and the transportation standards. Additionally, the study will examine the impacts of the policies on the organization of the supply chains transport. Problem Statement Abe, Hattori and Kawagoshi (2014) argue that presently, international traffic is leading in greenhouse gas emission. They claim that globalization coupled with the absence of strong environmental laws has resulted in an increase in environmental pollution. Because transport sector is the primary source of greenhouse gas emission, scholars argue that the war against pollution can only be won by regulating this industry. The government ought to encourage the stakeholders in the transport industry to be environmental friendly. It underlines the reason the Environmental Protection Agency has come up with measures aimed at regulating the transportation industry. The regulations have had both economic and ethical implications on the transport industry. Research Questions The study aims at addressing numerous questionss. They include:  1. What are the ethical consequences of the Environmental Protection Agency regulations on the transportation industry?  2. What are the economic implications of the EPA regulations on the transportation standards?  3. What motivated the EPA to come up with the transport regulations?  4. What is the correlation between EPA regulations and the transportation standards? Research Method Sampling procedure The study will use a comparatively similar group of the participan
A database system refers to a pool of information that is logically arranged in a sequential manner. A database system may also mean a data model that encompasses a database management system (DBMS). Data is normally stored in the data structures or a database system, a database management system (DBMS), in a computer acts like a shell under which all interaction of information takes place within the various databases. DBMS may also be referred to as a software package that has computer programs that maintain the creation and use of the database (Kumar 2007). The DBMS is a convenient model as it allows different users to access programs that ran concurrently in the same database. DBMS is compatible and can support a variety of database models like objective model or the relational model which allows it to describe and also support applications. The above-mentioned ability by DBMS allows it to conveniently support query language. This is a high-level programming language that is typically used as a simplified database language in writing of database application programs. Database language also comes in handy in database organization such as retrieving and presenting of information. From the tutorials, one learns that the DBMS in a computer offers other important access facilities like ensuring data integrity, facilitating for concurrency control, controlling data access and transfer of data. It also aids in the recovery of data either due to a failure in the system or when restoring data through a back up file. It is important to mention that DBMS are generally categorized under different levels; these levels are determined by their data structure, for example DBMS receives request for information from any program, DBMS on its part instructs what is referred to as the operating system to relay appropriate data, but this can only happen if the data requested adheres to a certain conformity, that is, data should be under an applicable protocol. On the other hand, database servers are multiprocessors computers that have a high memory; this is complemented by a RAID disk that allows for stable storage, but in modern day DBMS relies mostly on standard operating system (Kumar 2007) A database system is commonly used to keep track of information, such as username, phone number, login information and their various addresses. For instances, in terms of navigation approaches, all data that relates to it is placed under a single record, those that are not in use are normally omitted from the database. If the database system is under the relational approach, the data is usually normalized to form a user table. On the other hand, over the years, open source has been in a tug of war over its ownership with different groups claiming it, but the term “open source ” has never been categorized as a trademark. Thus, over the years, its definition was recognized as a standard or what may be referred to as de facto definition. Open source software is designed computer software that is made available in a source cord form. Normally, it is designed and developed through a collaborative manner. It is the best example of a
Introduction The New Testament is one of the major books for Christians. Every passage of the book has been seen as certain guidance with historical accounts. Several centuries ago people could not even question the truthfulness of the stories written in the New Testament. At present, scholars note that there are lots of divergences in the Gospels and lots of stories provided have no historical background. Thus, Ehrman approaches the book “from a historical perspective” trying to look into the teachings, the authors and issues considered ( A Brief Introduction 1). Admittedly, there are numerous unclear aspects when considering the book from the historical perspective. However, when considering a religious text it is much more important to focus on its message, purpose and significance, rather than on specific facts provided. Jesus’ Death For instance, Jesus’ death is one of the central points of the New Testament. From historical perspective, there are far too many questions. Thus, Ehrman claims that there were lots of accounts of Jesus’ death and only some of them became a part of the New Testament with no explicit reason ( Lost Christianities 3). More so, lots of texts which are now parts of the New Testaments were written after the death of the book’s acclaimed authors. It is also necessary to note that the death of such a remarkable personality was described in religious texts only and no historical documents can be found to prove the fact. However, the major peculiarity of all religious beliefs and texts is that they are more concerned with faith not facts. Thus, people’s attitude towards the event is principal. The concept of martyrdom made people believe that they could be saved and the religion was worth believing (Ehrman A Brief Introduction 174). Jesus’ death made people think it was something very important and meaningful. The believers tried to become better personalities to be worth the sacrifice. They learnt that sacrifice was (or had to be) an indispensible part of their lives. The entire Christianity is based on the concept of martyrdom and sacrifice. The death of the Messiah is the best way to support the basic principle of the religion. The Corinthians Apart from, the basic story of Jesus’ life and death, the New Testament contains a variety of teachings. Thus, the authors of gospels addressed different people to guide them and make them even more devout believers. As far as the historical precision is concerned, there are certain controversies. For instance, this part includes different views on the role of women. In one of the chapters, it is said that women should be silent in churches, whereas in other chapters, it is mentioned that women should pray aloud (Ehrman Lost Christianities 38). Of course, such inconsistency is crucial for historians or theologian (or feminists), but it is insignificant for devout believers. More so, at the time of early Christians this was not a matter of discussion. The authors had a much more important task, i.e. to make people understand everything rig
It is tempting to ascribe to events and characters those supernatural and irrational qualities that author tries to enforce on readers. But what in literary world seems to be unconditioned and free-floating “eidos” in reality is determined by scientifically constructed patterns and laws. Thus, we need to rely more on the common sense than on the visionary and esoteric perspective. Science tends to transform literary multidimensial space in transparent casual plane. So, let’s follow it in this effort, while discussing Poe’s story The Fall of the House of Usher. From the beginning of the story when narrator comes to the Usher’s house on his invitation, we can easily that Usher’s behavior which would later form the symbolic fabric of the story is determined by the number of symptoms that can be scientifically identified. Among them are hyperesthesia (high sensitivity to light, smells, and sounds), hypochondria and hyper anxiety. So this deceases that can be easily discerned and analyzed are main reasons for Usher’s strange behavior and thoughts such his believe that the house he lives in is sentient and that this particular sentience results from the specific arrangement of the vegetation and masonry circling it. After Usher’s sister dies they decide to hide her body in the house’s vault. After a week narrator and Usher become anxious. This can be explained not for some mysterious reason as a coming storm or some irrational reasons but more likely by the fact that Usher’s anxiety and psychological instability transmitted to narrator, thus creating the atmosphere of something entirely supernatural taking place. Common sense could also explain this strange atmosphere by the coming storm, which must be understood not as some mysterious force but just as simple nature phenomenon. The supernatural features of the story are also exaggerated by the fact that the bog surrounding the house glows in the dark like it glowed in the painting of Usher. This is also simple nature phenomenon determined by the natural law and the fact that bog glowed in Usher’s painting too is simply a coincidence. When narrator reads the story of The Mad Trist and light-electric and sound effects start to fill the house as the story unravels it can be easily explained that the strength of the storm and the mystique of the story interlaced to produce this affect on those men’s consciousness. Then, the comeback of Usher’s sister which was considered to be dead and then her real death with her brother can be explained by the fact that she never died and her death was the play of Usher’s imagination. Moreover, Usher could simply place her sleeping in the vault and that explains wh