zilongwang/ReadingBank huggingface dataset:
for mobile banking in Zimbabwe is a promising trend. Some caution is warranted since few operators in the world have yet achieved scale. Government can help operators achieve scale by creating demand. Government can serve as an anchor customer of mobile banking by issuing selective government payments electronically. References African Development Bank (2011) Infrastructure and Growth in Zimbabwe Government of Zimbabwe (2013) National Policy, Ministry of Water Resources Development and Management World Bank (2008) Zimbabwe Infrastructure Dialogue in Roads, Railways, Water, Energy and Telecommunication sub-sectors Bank (2010) Financial and Regulatory Challenges in Infrastructure Parastatals and Sectors Bank (2010b) Water Supply and Sanitation in Zimbabwe: Turning Finance into Services for 2015 and beyond World Bank (2011) Zimbabwe’s Infrastructure: A Continental Perspective, Africa Infrastructure Country Diagnostic World Bank (2011b) TA to Government of Zimbabwe to review the 2012 budget, Aide Memoire October 2011 World Bank (2012) TA to Government of Zimbabwe to review the 2013 budget, Aide Memoire October 2012 World Bank (2013) Interim Strategy Note for the period FY 13-15
until recently, currently paying 5-8.5 percent over inflation on indexed loans. funding, a risk factor if it is the single source of funding (volatility of deposits, floating interest rates) and the volume is large. Nominal rates are above 20 percent. over inflation. Risk and liquidity premiums must be added to lend to banks. Credit risk Banks assess and can assume the credit risk. The system appears well capitalized and solvency is not a near term constraint. Investors are not to take over the risky tranches of securitized portfolios today. Some may eventually assume part of the credit risk as the mortgage market matures and good data are developed on default and recovery rates. Argentina has a securitization framework that was well tested in the 1990s for mortgages, only for short term assets since the 2002 crisis Interest rate risk Interested in interest rates. Interested in matching interest rates on assets and liabilities, and locking in margins in real terms Interested in earning positive interest rates in real terms Willing to assume interest rate risk depending on the type of assets they manage Inflation risk A complex question, but are averse to payments growing faster than income. Debt growing despite capital repayments can be an Will accept only a mismatch between assets and liabilities. The market for inflation linked savings is not well developed, but could grow (one of the objectives of the law that created the UVI). Very interested in indexed instruments. Are already investing in inflation linked sovereign bills and bonds. Liquidity risk Will accept liquidity risk to a certain extent, based on the stability of core deposit bases, as long as the yield curve makes term transformation profitable, after taken into account the cost of capital required by the regulation applicable to mismatches. Interested in liquidity and will not tie their funds for the duration of a mortgage loan. Market liquidity importance depending on the category of investor. Some liquidity always required for proactive asset management. Prepayment risk Interested in being able to repay the loan early without excessive penalty Will take the risk in return for compensation, n. a. May assume prepayment risk for a as the mortgage market matures
different values. The thermal testing asks for the maximum temperature, the width of the sample you want to test, and then it displays the internal and outer temperature while the test is running. When the test is complete, it will display “Test Complete” and then show the K and R value. Heat Transfer Model To properly assume one dimensional heat transfer with minimal errors, a cylindrical model would be utilized. The overall objective is to determine the k value (thermal conductivity) of the biochar cement cylinder to quantify its insulation abilities. To do this, an electric heater will be placed in the center of an aluminum cylinder, with the top and bottom thermally insulated, to ensure that uniformly heat power is applied. The model will then be calculated backwards for k (thermal conductivity) and R (thermal resistance). In this case, the refrigeration system can be eliminated thereby resulting in decreased complexity and cost while producing a scientific result simultaneously. In order to experimentally determine the k and R values, the following mathematical model is used: Q = Total Heat Transfer (heat supplied) L = Length of the cylinder k = Thermal conductivity R = Thermal Resistance T1 = Inner Temperature r1 = Inner Radius T2 = Outer Temperature r2 = Outer Radius Humidity Analysis Model In quantifying biochar as a housing material, its capabilities of controlling varying humidity levels in the ambient air needed to be tested. The most appropriate model to ensure uniform modelling was a half sphere with a uniform thickness. Testing Test Plan In testing the overall system, subsystems were tested first for feasibility and general usability. The components tested included: the Microcontroller (S1) and its ability to hold data (S2), the interface and corresponding buttons to control it (S3), the humidifier (S4), the fan and airflow production (S5), the heater (S11), temperature and humidity sensors (S6, S7), a calibration test for thermal conductivity (S8), overall thermal conductivity of biochar (S9), and a humidity test on biochar (S10). Please to , go to “Integrated System Build and Test” and refer to the link for an overview of the test plan. Procedure for Testing System trial
Multidisciplinary Senior Design Project Readiness Package Project Title: AATech Universal Oil and Bag System Project Number: (assigned by MSD) P16680 Primary Customer: (provide name, number, and email) Jim Kalinski – Sr. Engineering Tech (315) 902-5238 James.Kalinski@AdvancedAtomization.com David DeWispelaere - Engineering Team Leader (315) 902-5249 Wanda Crowley - Purchasing (315)-902-5305 wcrowley@parker.com Sponsor(s): (provide name, number, email, and amount of support) Advanced Atomization Technologies A Parker Aerospace & GE Joint Venture 124 Columbia Street Clyde, NY 14433 USA Preferred Start Term: Fall 2015 Faculty Champion: (provide name and email) Gary – Adjunct Facility (315) 651-0014 gdwddm@rit.com Other Support: As applicable Project Guide: (assigned by MSD) Gary Werth – Adjunct Facility (315) 651-0014 gdwddm@rit.com David DeWispelaere and Gary Wort 7/30/15 Prepared By Date Brownell 7/30/15 Received By Date
Additional required deliverables: poster All finishing during the spring term are expected to participate in ImagineRIT † Budget Information: $10,000 materials AA Tech will procure chamber and all par-frame material with guidance from team * Intellectual Property: All legal markings need to be honored. Project Resources † Required Resources (besides student staffing): Faculty list individuals and their area of expertise (people who can provide specialized knowledge unique to your project, e.g., faculty you will need to consult for more than a basic technical question during office hours) Gary Werth Environment (e.g., a specific lab with specialized equipment/facilities, space for very large or oily/greasy projects, space for projects that generate airborne debris or hazardous gases, specific electrical requirements such as 3-phase power) 3-phase power and Preservation oil (Reference Specification MIL-PRF-6081) Equipment (specific computing, test, measurement, or construction equipment that the team will need to borrow, e.g., CMM, SEM, ) Sample nozzles Materials (materials that will be consumed during the course of the project, e.g., test samples from customer, specialized raw material for construction, chemicals that must be purchased and stored) Oil to be supplied when requested for test – flushing of nozzles, chamber (per RIT Team Design) and Other N/A † Anticipated Staffing By Discipline: Dept. # Req. Expected Activities BME CE EE 2 Motion controls, system logic and operator interface (or ME’s with strong controls background) ISE 1 time, safety, ergonomics
Table 13 – Criteria for on-site sanitation output based aid Criteria for Cities to receive funding Criteria for households to receive on-site systems City sanitation strategy and development plan Existing sludge treatment Established operator for sanitation/wastewater Have or are developing wastewater regulations Will implement regular emptying Can provide local budget allocation Without an on-site system or have an undersized system Customer of regular emptying Contribution by household Provide access for emptying Provide land for on-site system Challenges of OBA: Tabanan refused OBA because they believe its too complicated, were unclear how they are reimbursed and think the criteria for verification could be too strict. Balikpapan preferred to focus on the sewer OBA (Hibah) but intend to join the next year. Other issues include the delays in getting local budget funding at the start of the year and uncertainties regarding the new and relatively complex mechanisms, despite interest in the overall program. The proposed sanitation solutions are somewhat limited or not best practice and need further development. Communication between national government and city needs to be improved to clearly explain the program requirements and approach.
another for 3000 households. for paying customers and due to not signing an agreement for the TA activities the support was postponed. There was a plan to re-activate regular desludging by the Head of Wastewater Customer Relations, but he was moved to Local Government so the plan was not implemented. A new Director of Wastewater has now agreed to continue by taking over such plan and to have regular desludging started. Since February 2016, after PDAM Malang visit event, the regular desludging of PDAM Kota Bandung has restarted and will continues to desludge of one Kecamatan of Arcamanik (3000 HH). Currently emptying three further areas: Sukamiskin, Cisaraten kulon, Cisaranten indah and more. IUWASH with WSP support – Jakarta PD-PAL to regular desludging in Kelurahan Rawamangun. Conducted a sanitation census of 4,289 households (out of 8,000 potential households) through the involvement of Dasa Cadre (PKK Cadre from Kelurahan Rawamangun). Activities of preparing and executing process of regular desludging: Business Plan workshop Action plan sessions (from business Plan, due to 3 changes in Director of PD-PAL) MoU of LLTT activities in 4 areas: Rawamangun, Kemanggisan, Pademangan and Lenteng Agung signed by Lurah, IUWASH and PD PAL Jaya These MoUs are the regulations for PKK do the socialization, data collection etc. Operation and Operator Training for new employees (transferred from DKP) Starting regular desludging, non mandatory, non regulation, in 4 Kelurahan, total approx. 400 HHs and continues.
ENRICHMENT – 2018/19 YEAR 12: TUTORS – Mrs Neighbour/Mrs Boarer, Ms Jordan, Mr Tilley & Mrs Steed YEAR 13: TUTORS – Mrs Mullen, Ms Leeke & Miss McConville MON TUES WED THURS FRI AM – Notices, dress code, attendance concerns & Scrapbook response (1 per week; paired response in book) PM – WELL BEING PM – TUTORIALS PM – ORACY PM – SPIRITUAL & CHARACTER DEVELOPMENT PM – SF ASSEMBLY/WORSHIP YEAR 12: My Health (T1&2) My Life (T3&4) My Mind (T5&6) YEAR 13: My Life (T1&2) My Mind (T3&4) Timetabled for the academic year. 10mins each, 2 students weekly. Personalised; use of VESPA questions. Check on ‘Edge’ progress. Tutors conduct and Oracy programme. Tutors to incorporate employability aspects – audit, practice opportunities. Complete Them & Us PLC. Deliver Kindness, Respect & Without Harm lessons. Incorporate fund activities that address ‘red’ Them & Us areas. Work towards the Edge. Foster opportunities for SF to support lower school initiatives. Each week rotate between Hall & Church. Hall assemblies’ delivery rotated between LG & Tutors. Church worship delivered by SNE/SFI. The Edge/LORIC/VESPA. PM – Mathematics Support (Targeted) with CBO PM – UCAS Support with MF & SNE PM – Academic Mentoring (Targeted) with SFI PM – Mathematics Support (Targeted) with CBO PM – SF COMMITTEE (2 reps per form) run by HB/G PERFORMING ARTS ACADEMY: YEAR 12 & 13 – Mr Hughes* MON TUES WED THURS FRI AM – Notices, dress code, attendance concerns & Scrapbook response (1 per week; paired response in book) PM – ACADEMY PROJECT PM – REHEARSAL (MUSICAL) PM – PRIVATE PROJECT PM - REHEARSAL PM – SIXTH FORM ASSEMBLY/WORSHIP
Please provide estimated breakdown: FTE /on-costs – clinical vs project (on-costs≤18.5%) Equipment costs Other costs Not applicable – free text Will the project be funded by any source(s)? If so, please list the source(s) and funding contribution value – include in-kind funding. Not applicable – free text Have you submitted any other grants requests for this project? If so, please list each grant submission request. Not applicable – free text TIMING How long is the project expected to take? Include time for planning, implementation and evaluation. Not applicable – free text; provide response in months SUSTAINABILITY Describe how you will sustainability into the project. Organisational priorities may change throughout the project time frame, impacting on the sustainability of your project. Essentially, describe what will happen when you get to the end of your project and the BCV funding ceases? What are the key risks to the project's sustainability (and its benefits) post project implementation? How will you keep your intervention, benefits or deliverables running? What will be the key elements? 200 PITCH Upload your video presentation to the Dropbox file share using this link: Your is submitted to Dropbox independently of our online application portal Typeform. Therefore it can be uploaded prior to submitting your electronic application – due to the size of the video files, (which generally exceed 100Mb) you will need to allow sufficient time for this action to complete. Please refer to the on our website for assistance with your video presentation and Dropbox upload. Not applicable Eligibility BCV will only fund competent entities – entities that are established and able to demonstrate an ability to appropriately administer govern and manage projects. We would encourage start-up organisations to approach established health service providers who are interested in their products/ services, and who can demonstrate a clear organisational opportunity for these to impact on access to high quality of care.
Individual Event Data: Flight Performance Flight Time Aloft (seconds) Distance (feet) Velocity (feet/second) Pitch Stability Directional Stability 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25
Mark Scheme for Open-ended questions Fact/ content Language Marks 1 2 2 Minor grammatical/spelling/punctuation mistakes which do not interfere with meaning (Up to 3 mistakes) 1 ½ 3 language error (that interferes with meaning) 1 Incomplete sentence (even with grammatical/spelling/punctuation mistakes) Partial 4 Partial grammatical/spelling/punctuation mistakes (Up to 3 mistakes) ½ Incomplete sentence (even with grammatical/spelling/punctuation mistakes) 5 X - 0
(b) (nebula) main sequence (star) (1) AND red white dwarf (1) All three in correct order for 2 marks Red Giant White Dwarf (Main sequence) (1) (2) (c)i infrared (radiation)/(rays) (1) (1) (c)ii An explanation linking any two from  above the clouds / no clouds/ no weather (1)  image is clearer/more detailed/ not distorted/not blurred (1)  no light pollution (1)  (some) telescopes use gamma/ /infrared/microwaves (1)  no absorption (by atmosphere) of gamma/ Xrays/ ultraviolet /infrared/ microwaves (1) Credit to be given for stating that all telescopes would be better in space, but size and weight may exclude e.g. Jodrell Bank from space. no air/dust/pollution wider field of view/ can use anytime 'see further' IGNORE 'it is closer (to the stars/planets)' IGNORE: references to improving understanding / knowledge of space (2) Indicative Content Mark QWC *(d) A description including some of the following points  improved QUALITY eg higher or better magnification/ detail/resolution or clearer/brighter image OR MORE INFORMATION (than with naked eye) of image/data eg new (This could be extra detail for greater only)  detection of (non-visible) (6) Exp
(1) • detail of CMB (1) all directions • correct reference to temperature of Question Number Answer Acceptable answers Mark (ii) more evidence for the big bang theory / converse evidence for the big bang theory is more reliable / repeatable / eq CMB does not support Steady (1)
Highest level of ethical standards Drive and determination A professional phone manner Excellent time management skills Ability to work pressure Ability to work unsupervised Eye for detail and accuracy with numbers Proven experience in a sales role Finance industry experience Competencies X if required Importance (High, Medium, Low) Proficiency (Competent or Advanced) 1. Performance orientation X H A 2. Customer service orientation X H A 3. Numerical / analytical ability and accuracy X H A 4. Technical knowledge of companies processes and systems X M C 5. Computer systems (mainframe and small systems) X M C Date Authorised by (Employee) Name Signature Date Authorised by (Manager) Name Signature Date Authorised by (HR) Name Signature
Latent heat Mass Energy P1b: Keeping Homes Warm E Grade C Grade A Key Information Heat energy can be lost from homes in many different places but there are ways of reducing these losses. Heat can be transferred from to place by conduction, convection and radiation. Dark matt surfaces are better at absorbing heat energy than light shiny surfaces Revision Ideas
with words in speaking or writing. 7) Misplacing things and losing the ability to retrace steps. 8) Decreased or poor judgment. 9) Withdrawal from work or social activities. 10) Changes in mood and personality. (Q6 in full assessment) Level of Dementia Knowledge Priority for Action Indicate your level of knowledge of the 10 warning signs of dementia. Indicate your level of agreement with this statement: Increasing our community members’ knowledge about the warning signs of dementia should be a priority for action in our community. 1. Very low 2. Low 3. Moderate 4. High 5. Very high 0. Do not know 1. Strongly disagree 2. Disagree 3. Neither agree or disagree 4. Agree 5. Strongly 0. Do not know Question 8 This question asks about your skills for interacting with people who have dementia. (Skills for interacting with people with dementia include knowing when to repeat information or suggesting a family member should participate in conversations.) (Q7 in full assessment) Level of Interaction Skills Priority for Action Indicate your of agreement with this statement: I have good skills for interacting with people with dementia. Indicate your level of agreement with this statement: Increasing our community members’ skills for interacting with people with dementia should be a priority for action in our community. 1. Strongly disagree 2. Disagree 3. Neither or disagree 4. Agree 5. Strongly agree 0. Do not know 1. Strongly disagree 2. Disagree 3. Neither agree or disagree 4. Agree 5. Strongly agree 0. Do not know Question 9 Our community may have diverse and underserved populations that would benefit from having resources tailored for people with dementia and their families (meaning programs or services that meet the needs of diverse populations). (Question 8 in full assessment)
Level of Current Activity Priority for Action Indicate your level of agreement with this statement: Our community currently has adequate awareness of the resources and organizations available to support people with dementia and their families. Indicate your level of agreement with this statement: Raising community awareness of the resources and organizations that can help support people with dementia and their families should be a priority for action in our community. 1. Strongly disagree 2. Disagree 3. Neither agree or disagree 4. Agree 5. Strongly agree 0. Do not know 1. Strongly disagree 2. Disagree 3. Neither agree or disagree 4. Agree 5. Strongly agree 0. Do not know Interviewer Tip: Distribute education on Alzheimer’s disease and dementia; e.g., Know the 10 Signs. Share listing of the resources and organizations that can help support people with dementia and their families in your community. Question 6 Our community may have diverse and underserved populations that benefit from having resources tailored for people with dementia and their families (meaning programs or services that meet the needs of diverse populations). (Question 8 in full assessment) Interviewer Tip: relevant community demographic information. Level of Current Activity Priority for Action Indicate your level of agreement with this statement: Our community currently has adequate dementia-related resources tailored to our diverse and underserved populations. Indicate your level of agreement with this statement: Increasing dementia-related resources tailored to our diverse and underserved populations should be a priority for action in our community. 1. Strongly disagree 2. Disagree 3. Neither agree or disagree 4. Agree 5. Strongly agree 0. Do not know 1. Strongly disagree 2. Disagree 3. Neither or disagree 4. Agree 5. Strongly agree 0. Do not know Health Care: Cognitive Impairment, Assessment, Management
Below are three sample county-approved concentrations. Each county will have many more concentration options. The top portion represents broader concentrations. The bottom portion provides examples of how the broader concentrations can be personalized for individual students. There will be many more personalized options to align with career/postsecondary plans. Non-CTE STEM Concentration Option Choose from: AP® Courses Science Electives 4th Course Math Options CTE Electives and/or AC Course World Languages Social Science Concentration Option Choose from: AP® Courses Social Studies Electives Science Electives CTE Electives and AC Course World Languages Humanities Concentration Option Choose from: AP® Courses Arts Electives CTE Electives and AC Courses Social Studies Electives World Languages County Approved County Approved County Approved Personalized Examples of 4 Credit Concentrations Non-CTE Best Practice Sample Environmental Science Concentration 1-Chemistry II (Chemistry was taken as 3rd Science) 2-Physics 3-Earth Science 4-Environmental Science Best Practice Sample Criminology Concentration 1-AP® Psychology 2-World Language 3-Foresenic Science Language Best Practice Sample Visual Artist 1- Art II (Art I would have already been taken to meet Arts requirement) 2- AP® Art History 3-World Language 4-World Language or or or Environmental Science Concentration 1-World Language 2-World Language 3-Earth Science 4- AP® Environmental Science Criminology Concentration 1-Sociology 2-AP® Research 3-Foresenic Science 4-Digital Imaging/Multimedia Visual Artist 1- Art II (Art I would have already been taken to meet Arts requirement) 2-Art III 3-Art IV 4-Graphic Arts
(1) (ii) Between points was the car stationary? ........................................................................................................................... ........................................................................................................................... (1) (b) Complete the sentences by writing the correct words in the spaces. When a car has to stop, the overall stopping distance is greater if: • the car is poorly maintained; • there are adverse weather conditions; • the car is travelling ................................ ; • the driver’s reactions are ................................ . Also, the greater the speed of the car, then the greater the braking ................................ needed to stop in a certain time. (3) 5 marks) Q5. The diagram below shows the thinking distances, braking distances and total stopping distances at different speeds. (a) Look at the stopping distances at each speed. Complete the sentence by choosing the correct words from the box.
(ii) heat 1 (b) (i) 3 links correct allow 1 mark for 1 correct link if more than one line is drawn from a condition mark all lines from that condition incorrect 2 (ii) increased 1 [5] M17. (a) (i) 1500 allow 1 mark for subtraction shown ie 2000 – 500 2 (ii) it accelerates 1 in a forward direction accept speed/velocity 1 (b) (i) 23 (m) 1 (ii) 20 (m) only this answer 1 (iii) any one from: • drinking alcohol
even though are fewer of these bikes than bikes over 500 cc 1 (c) (i) increases the time taken to stop accept increases collision time 1 decreases rate of change in momentum accept reduces acceleration / deceleration accept reduces momentum is insufficient 1 reduces the force (on the rider) 1 (ii) YES any sensible reason, eg: the mark is for the reason • cannot put a price on life / injury accept may save lives • fewer (serious) injuries accept reduces risk of injury • reduces cost of health care / compensation NO any sensible suggestion, eg: • money better spent on … needs to be specific • total number of riders involved is small 1 [11] M22. (a) The driver has been drinking alcohol. reason only scores if this box is ticked
M7.(a) (i) 50 (Hz) 1 (ii) 2760 (W) 1 (b) 12 allow 1 mark for correct substitution, ie 2400/200 or allow 1 mark for 2760/230 provided no subsequent step shown 2 amps 1 (c) the charge is directly proportional to the time switched on for accept for 1 mark the longer time (to boil), the greater amount of charge or positive correlation or they are proportional 2 [7] M8.(a) (i) symbol for a accept 1 symbol for a variable resistor 1 (ii) voltmeter is in series or voltmeter is not in parallel 1 ammeter is in parallel or ammeter is not in series accept an answer in terms of how the circuit should be corrected voltmeter and ammeter are wrong way around is insufficient
1. Cremorne Range mine – Capped in 2017 8. Adit 2. . Shaft – grated 2017 9. Shaft and adit 3 Shaft - Grated 2015 10. Shaft Grated 4. Chinnery Mine – Only known named mine in the Park. Capped in 2017 11. Adit (Conglomerate Hill) 5. Saw Pit Gully dam 12. Shaft grated and Adit (Billy Cart Hill) 6. Sluiced gullies 13. Ballarat Lookout 7. Dam and water races 14 Adit
No. of classes Select 1 1 2 1 3 2 4 3 5 1 6 5 7 6 8 7 9 2 10 7 Active Lives Survey for Children and Young People SELECTION GRID - VERSION 3 Please use the grid to help select the class within each year group to take part in the survey. List all mixed ability classes in alphabetical or numerical order (using name of the class) and number 1,2,3 etc. Select the class in each year group from the list, using the number within the grid. E.g. if there are 6 classes in the year select the third class in your list. VERSION 3 No. of classes Select 1 1 2 1 3 1 4 3 5 2 6 3 7 5
La Découverte Cycle I Cycle II III General Objectives Socialisation Mathematics Reading preparation Handwriting Objectives validated internally Mathematics Reading Writing Objectives validated by the District DIP/HARMOS Mathematics French - communication French – language analysis Age 3 Age 4 1st grade Age 5 2nd grade Age 6 3rd grade Age 7 4th grade Age 8 5th grade Age 9 6th grade Age 10 7th grade Age 11 8th grade 1/2 week English/French 1/4 week English 3/4 French 1/2 week English / French 2 days in English 2 ½ days in French 1 day in English Plus 1½ hours intensive exam preparation 3 ½ days in French The English program has defined objectives for each cycle, but is only assessed at the end of the 8th grade by the Cambridge University exams 8 (KET or PET according to the child’s language level)
Lecture Notes Regression – Chapter 14 Regression Analysis: Use of a relationship between X-Y pairs to explain or predict variation in Y in terms of differences in the X’s. Prediction: Use of a relationship between X-Y pairs to predict values of Y based on knowledge of X. For example, since I know that your high school GPA was 3.7, I predict that your college GPA will be about 3.1. Regression Sample A sample for which you have X-Y pairs with no missing members of either pair. Used it to develop a prediction equation, a simple equation relating predicted Ys to Xs. The prediction equation Predicted Y = Additive constant + multiplicative constant * X. Predicted Y = a + bX We’ll use this: Predicted Y = a + bX = or equivalently, bX + a The second version, bX+a is best for use when you’re doing hand computations. Regression line The prediction equation forms a straight line on the scatterplot of Y vs. X. That line is called the regression line or line of best fit. b and a and the regression line The constant, b, is the slope of the regression line on a scatterplot. The constant, a, is the y-intercept of the line. Prediction from the equation For persons for whom you have X but not Y, simply plug their X value into the equation (assuming you’ve obtained values of a and b) to generate the predicted Y for each one. Why do regression analysis? 1. Economy in prediction. If you have 1000’s of Xs, it would be very difficult to examine all of them to obtain a predicted value for someone. But with the equation, it’s easy. 2. Theory. It may be of theoretical interest to know that there is a relationship between Ys and Xs that is expressed by the simple equation: Predicted Y = a + bX. 3. Objectivity in prediction. Without the equation, we might argue about what the predicted Y should be for a person. With it, we all get the same number.
Taking logarithms and rearranging implies the following demand relationship for good k: The aggregate index can be derived using (5) and (7). Specifically, (5) implies: while equation (7) implies: Substituting (9) into (10) implies the aggregate consumption price index is an aggregation of individual goods prices: Once the consumer has made their decision at the top level, they move to the next level, which involves the choice between domestically produced and imported varieties of the goods subject to the value of aggregate expenditure decided at the previous level. Assuming that Dixit-Stiglitz preferences also apply at this level, the consumer has the following nested maximisation problem: subject to: where k is the elasticity of substitution between domestic and imported varieties of k, k is a weighting parameter which implies home bias, ditk is the volume of domestically produced good k, pditk is the price of domestically produced k, mitk is the volume of imported good k and pmitk is the price of imported k. This implies the following demand relationships for domestically produced and imported k: and index for good k: Finally, consumers in country i must choose between imported varieties of good k sourced from different trading partners. Assuming Dixit-Stiglitz preferences also apply at this level yields the following nested maximisation problem: subject to:
Noted. There are only limited circumstances when a notice of assessment (NOA) is not issued to an individual and a very small number of taxpayers are affected (less than 100). Currently ATO systems are not configured to issue a NOA automatically when a non-resident individual: only has income that is subject to foreign resident withholding, such as interest or dividends; an amount was not withheld by the payer or the individual wants to pay that amount themselves; and the individual has no other taxable income. The ATO is considering what can be done to provide more certainty to these individuals. In the interim, taxpayers can request a nil NOA to issue if they have lodged a return declaring only the amounts that are subject to withholding tax and would have had withholding tax deducted if they were aware of their residency status. Recommendation 12 The Committee recommends that the ATO, to better inform public and policy debate and increase community awareness, should publish in 2017 its revenue gap measures and report the total revenue gap estimate and assessments for different community sectors on its website as they become available, and in the 2016–17 Annual Report. Agree The ATO will continue to periodically refresh already published tax gap estimates, as well as release new estimates once we are satisfied they are reliable, credible and meaningful. We intend to report all released tax gap estimates in the 2017-18 Annual Report. Recommendation 13 The Committee recommends that the ATO’s Annual Report should include a more detailed differentiation of data on unrecoverable debt, including by distinguishing between the amounts of debt written off as unrecoverable at law or that is uneconomical to pursue Agree. The ATO will report in the 2017-18 Annual Report debt written off as unrecoverable at law and that which is uneconomical to pursue. Recommendation 14 The Committee recommends that the ATO provide more detailed information in its Annual Report about its investment in compliance activity relative to revenue outcomes under debt recovery activities, for both funded pre-existing ATO activities and for indirect additional revenue commitments.
© Commonwealth of Australia 2017 This publication is available for your use under a licence, with the exception of the Commonwealth Coat of Arms, the Treasury logo, photographs, images, signatures and where otherwise stated. The full licence terms are available from . Use of Treasury material under a licence requires you to attribute the work (but not in any way that suggests that the Treasury endorses you or your use of the work). Treasury material used ‘as supplied’. Provided you have not modified or transformed Treasury material in any way including, for example, by changing the Treasury text; calculating percentage changes; graphing or charting data; or deriving new statistics from published Treasury statistics — then Treasury prefers the following attribution: Source: The Australian Government the Treasury Philippa Henty, Yi Yong Cai and Graeme Davis. Derivative material If you have modified or transformed Treasury material, or derived new material from those of the Treasury in any way, then Treasury prefers the following attribution: Based on The Australian Government the Treasury data. Use of the Coat of Arms The terms under which the Coat of Arms can be used are set out on the It’s an Honour website (see ). Other uses Enquiries regarding this licence and any use of this document are welcome at: Manager Editorial, Media and Speeches Unit The Treasury Langton Crescent Parkes ACT 2600 Email:
Over 266,000 small business employers are registered to use the clearing house on behalf of just under 2 million employees. In the year ending 30 June 2016, the clearing house processed 3.9 million payments totalling around $2.3 billion. This service assists a notable proportion of small business employers comply with their superannuation guarantee obligations. Characteristics and incidence of noncompliance Noncompliance by employers occurs when employers fail to make the correct superannuation guarantee contributions on time for employees. This can be because of an honest mistake through to intentional avoidance. Behaviours can be influenced by the nature of a business; the size of a business and cash flow management. Non-compliance is typically not spread evenly across the employer population. ATO compliance data shows it is more prevalent in small and micro businesses and in certain industries. Such incidence of noncompliance, while perhaps small in relative terms, has a very personal impact on employees who are not paid the correct amount of superannuation guarantee. It reduces their retirement income and diminishes community confidence in the system overall. Estimating the size of non-compliance The ATO is committed to estimating tax ‘gaps’ for the taxes it administers. Tax gap estimates are important for the ATO to understand compliance, inform its resource allocation and assess the effectiveness of its work over time against a trend benchmark. Estimating tax gaps generally, and the superannuation guarantee gap in particular, is consistent with contemporary international best practice in tax administration. has been a strong interest over recent years from Parliamentary Committees and other stakeholders for the ATO to undertake tax gap estimates. The ATO is seeking to complete a credible and reliable estimate of the superannuation gap, but at this stage it is not completed. One of the contributing factors is the lack of
Recommendation 9.1: Improvements to the HFE system can only go so far. The Commonwealth and State Governments, through the Council on Federal Financial Relations and recently formed Board of Treasurers, should work towards meaningful reform to federal financial relations. In the first instance, the process should: assess how Commonwealth payments to the States — both general revenue assistance and payments for specific purpose — interact with each other, given the significant reforms to payments for specific purposes that have occurred in recent years develop a better-delineated division of responsibilities between the States and the Commonwealth and establish clear lines and forms of accountability. Policies to address Indigenous disadvantage should be a priority. Following this, options to address the vertical fiscal imbalance should be considered and advanced. Accept in-principle, subject to consultation with the States. Commonwealth-State relations are fundamental to the smooth operation of our country. To ensure this relationship continues to remain effective, we should constantly review and refine it. GST Distribution Review Final Report, October 2012: Recommendation Recommendation 3.2 on rounding relativities: To ensure the system does not appear to be falsely precise, the Panel recommends that relativities produced from the CGC’s process be rounded to two decimal places in the annual Updates and Reviews. Accept, subject to consultation with the States. In addition to the PC’s Recommendations, the Government agrees that implementing this additional recommendation from the 2012 GST Distribution Review would further address false precision in the system.
Des Renford Leisure Centre Meeting Room Use Application Form The Applicant Name of organisation: » ………………………………………………………….…… ………………………………………………………….…… Name of business owner: ABN: ACN: Trading name (if applicable): » ……………………………………………………….……… Business Address: » ……………………………………………………….……… ………………………………………………………….…… website address: » ………………………………………………………….…… Contact person - technical (name & no.): » ………………………………………………………………. Contact person – financial (name & phone no.): » ………………………………………………………………. Proposed Use of Meeting Room and Hours of Operation Applicant to provide details of the proposed use of the Room and proposed hours of operation daily: Room will be utilized for: Proposed activities within room and facilities: of Operation – Monday to Friday Hours of Operation – Saturday & Sunday Hours of Operation – Public Holidays Applicant’s Experience and Capability Similar work experience: Provide the following details for experience and qualificaitions inline with requirements for the proposed usage of the room.
PERSONAL DETAILS OF APPLICANT FULL NAME DATE OF PLACE OF BIRTH NATIONALITY PASSPORT NUMBER COUNTRY HOME ADDRESS TELEPHONE FAX E-MAIL MOBILE PHONE BUSINESS WORKS FOR A REPRESENTATIVE (*) Complete form P6 NAME OF REPRESENTATIVE COMPLETE ADDRESS TELEPHONE FAX QUALIFICATION Specify TECHNICAL EDUCATION (Final level only, e.g. for college/university entrance) CERTIFICATES OBTAINED ATTACHED DOCUMENT WORK EXPERIENCE (please blank if indicated in the CV) (Enter in chronological order with present or most recent experience listed first) FROM TO NAME OF THE ORGANIZATION DETAILS Month / Year Month / Year WORK REFERENCES (please leave blank if indicated in the CV) NAME PHONE E-MAIL COMPANY
p004 Find the fourth roots of . Plot the roots on an Argand diagram. p005 Prove the following p006 the results of exercise (5) show p007 the equation ANSWERS a001 (a) Prove the following relationships
a002 Show on an Argand diagram the complex numbers z that satisfy the condition The line x = -1 corresponds to the perpendicular bisector of the two points z1 and z2. a003 If z1 = 1 + i then show on an Argand diagram
1.4 Decision FSANZ’s decision was to reject the draft variation. This decision relates to the draft variation to Standard 2.9.2 which was first released for public consultation with the Draft Assessment Report in 2004 (provided at Attachment A). 2 Summary of findings 2.1 Summary of views from submissions (2003–13) 1 provides an overarching summary of stakeholder views from 2003–13. Refer to FSANZ website for previous reports and submissions at and Supporting Document (SD2) for a summary of submitter comments to the 2013 Consultation paper. Table 1: Overall summary of Stakeholder views Year Consultation Proposed approach Submissions General views of stakeholders 2003 Initial Assessment Report 34 Majority supported amending Standard 2.9.2 to with the 2003 Australian infant feeding guidelines. 2004 Draft Assessment Report including draft variation Amend the minimum reference age in Standard 2.9.2 to ‘around 6 months’ 12 Majority supported change to align with the 2003 Australian infant feeding guidelines. 2007 Public Consultation on recommencement of P274 Amend the minimum reference age in Standard 2.9.2 to ‘around 6 months’ 20 Over half supported the proposed approach. New Zealand government also supported labelling with stage’ (of introducing solid food). Others supported status quo. Medical/allergy specialists suggested delaying decision to wait for results of allergy research. Most jurisdictions, infant health and breastfeeding organisations supported the approach. Industry views were divided. 2008 Preliminary Final Assessment Report with draft variation, and targeted consultation the minimum reference age in Standard 2.9.2 to ‘around 6 months’ 20 Range of views. Majority generally supported alignment with guidelines; others supported retaining current requirements; some preferred labelling that refers to the progressive stages of introducing solids. Allergy specialists opposed change on the basis of emerging evidence for timing of introduction of solids and allergy prevention. 2013 Public Consultation Paper, plus targeted Amend the minimum reference age in 41 more divergent – industry and allergy specialists opposed change; health
Dental health No conclusions on risk of caries and age of CF No evidence that age of CF is related to having caries. Not addressed. Insufficient data to make conclusion 1 Both ESPGHAN and EFSA define CF as the period when complementary are given together with either human milk or a breast milk substitute. 2 Atopic disease, asthma and allergy were the only health outcomes that were examined specifically in relation to introduction of CF (other health outcomes examined were in relation to duration of breastfeeding, as noted). Attachment 2: Allergy and association with age of complementary feeding Table summarises primary studies investigating the link between age of introduction of solid foods and risk of food-related allergy, allergic diseases and syndromes. Studies were selected as described in Section 3.2. Columns on far right indicate where study has been cited by major review publications. See References for citation details. BF = any breast feeding; EBF = exclusive breastfeeding; FF = formula-feeding; CF = complementary feeding. Study (location) Type & Population N Age Exposure variable (foods introduced; time period) Outcome by 2 ES A N Evidence shows early (before 4 mo) increases risk of allergic disease 1981 Fergusson (New Zealand) Cohort ± parental history of atopy 1265 E 2 yr Solid foods at before/after 4 mo in breastfed and formula-fed infants Solid foods introduced before 4 mo increases risk of E in both breastfed and formula-fed infants 1983 Kajosaari (Finland) Cohort w/ history of atopy 135 E, FA 1 yr Solid foods introduced at 3 mo compared to 6 mo to EBF infants Early solid food introduction (3 mo compared to 6 mo) increases risk of E, FA 1990 Fergusson (New Zealand) Cohort; Normal allergy risk 1265 E 0-10 yr Various foods at before/after 4 mo Solids introduced before 4 mo increases risk of E 1991 Kajosaari (Finland) Cohort w/ history of atopy 135 AD, FA 5 yr Solid foods introduced at 3 mo compared to 6 mo to EBF infants At 1 yr, delayed solid foods to 6 mo (compared to 3 mo) reduces risk of E, FA but no difference at 5 yr. 1994 Cohort w/ 135 E, FA 1 yr Solid foods introduced at 3 mo Delayed solid foods to 6 mo (compared to 3 Effect
risk 2009 Alm (Sweden) Cohort; Normal allergy risk 4953 E, FA 12 mo Fish introduced before 9 mo compared to after 9 mo introduction decreases risk of eczema 2011 Joseph (USA) Cohort; ± allergy risk 594 AD, AS 2 yr Solid foods before 4 mo compared to after 4 mo For infants with parental history of allergy, peanut sensitisation and possibly egg was reduced in infants exposed at <4mo 1Effect abbreviations: A = asthma; AD = atopic disease; AR = allergic rhinitis; AS – allergic sensitization; At = atopy; C = celiac disease; T1DM = type 1 Diabetes Mellitus; E = eczema; FA = food allergy; FS = food sensitization; W = wheezing 2Review abbreviations: ES = ESPGHAN (2008); A = AAP (2008); N = NHMRC (completed 2008, published 2013); EF = EFSA (2009); PP = Palmer and Prescott (2012).
If the food is recommended for infants between 4-6 months of age, the warning statement – Not recommended for infants under the age of 4 months is also required on the label. A statement regarding the consistency of the food is also required. Other requirements in the Standard that relate to the age labelling include compositional requirements for iron; vitamins and minerals in cereal-based food for infants; protein levels; and making claims about the vitamin and mineral content of infant food. 3. Consideration of issues To determine the most appropriate requirements in relation to the youngest minimum age permitted on infant food labels, and strategies to manage any potential risks, the following points have been considered, and are discussed below: the current New Zealand (2008) and Australian (2013) infant feeding guidelines international recommendations, regulations or guidelines previous stakeholder submissions (also see SD3) updated risk assessment (2008) (also see SD1) Ministerial policy guidance on Part 2.9 of the Code consumer research on the use and understanding of food labels approach to labelling requirements options for amending the Code impacts on stakeholders and the net benefit to the community transitional arrangements any consequential effects of the proposed approach. 3.1 Current infant feeding recommendations 3.1.1 Australia The revised 2013 Australian Guidelines recommend the introduction of solid food to infants at ‘around 6 months’ of age, but before 7 months. This continues the previous 2003 recommendations and also continues to align with the 2008 New Zealand Guidelines. In addition, it is recommended that: Infants should be fed exclusively on breast milk to ‘around 6 months’ of age, with breastfeeding continued up to 2 years or beyond. When the infant is ready, appropriate complementary food should be introduced, with continued breastfeeding. Developmental cues should be used to determine if the infant is ready for solids. The infant will most likely be ready at around 6 months of age but some infants may be ready sooner. However, infants should not be given complementary foods before 4 months of age. The Guidelines also note that although exclusive breastfeeding to 6 months of age is recommended, more experience is needed to identify any subgroups that require earlier introduction of solids (but before 4 months). Six months should be regarded as a group recommendation. 3.1.2 New Zealand The 2008 New Zealand Guidelines revised the recommended age for the introduction of complementary foods to ‘around 6 months’ of age. Previously, they had recommended