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This book explores the issue of private sector over-indebtedness following the recent financial crisis. It addresses the various challenges for policymakers, investors and economic agents affected by applied remedial policies as the private non-financial sector in Europe continues to face increased challenges in servicing its debt, with the problem mainly concentrated in several countries in the EU periphery and Eastern Europe. Chapters from expert contributors address reduced investment as firms concentrate on deleveraging and repairing their balance sheets, curtailed consumer spending, depressed collateral values and weak credit creation. They examine effective policies to facilitate private sector debt restructuring which may involve significant upfront costs in terms of time to implement and committed budgetary resources, as well as necessary reforms required to improve the broader institutional framework and judicial capacity. The book also explores the issue of over indebtedness in the household sector, contributing to the literature in establishing best practice principles for household debt.

Advances in molecular biology and genome research in the form of molecular breeding and genetic engineering put forward innovative prospects for improving productivity of many pulses crops. Pathways have been discovered, which include regulatory elements that modulate stress responses (e.g., transcription factors and protein kinases) and functional genes, which guard the cells (e.g., enzymes for generating protective metabolites and proteins). In addition, numerous quantitative trait loci (QTLs) associated with elevated stress tolerance have been cloned, resulting in the detection of critical genes for stress tolerance. Together these networks can be used to enhance stress tolerance in pulses. This book summarizes recent advances in pulse research for increasing productivity, improving biotic and abiotic stress tolerance, and enhancing nutritional quality.

Description Home Garden Multifunctional Shear Tools Garden Branch Pruning Shears Cutter Home Improvement Iron Shears with Tooth Specification ItemMultifunctional ShearMaterial3CR13 Stainless Steel PP TPRColorBlackYellowSize8 Inch Length 218mmHandle Length 125mmMax Opeaning Diameter 0 36mm9 Inch Length 228mmHandle Length 125mmMax Opeaning Diameter 0 48mmWeight250gPackage Includes 1 x Multifunctional Shear

An attempt to trace the origins of the romantic image of the Highlands, by examining the economic, military and ideological circumstances of the region's subjugation by the British state. It combines literary criticism and cultural history to produce a case study of the making of the myth.

This textbook is intended for SPI (software process improvement) managers and - searchers, quality managers, and experienced project and research managers. The papers constitute the research proceedings of the 16th EuroSPI (European Software Process Improvement, www.eurospi.net) conference held in Alcala (Madrid region), September 2–4, 2009, Spain. Conferences have been held since 1994 in Dublin, 1995 in Vienna (Austria), 1997 in Budapest (Hungary), 1998 in Gothenburg (Sweden), 1999 in Pori (Finland), 2000 in Copenhagen (Denmark), 2001 in Limerick (Ireland), 2002 in Nuremberg (G- many), 2003 in Graz (Austria), 2004 in Trondheim (Norway), 2005 in Budapest (Hungary), 2006 in Joensuu (Finland), 2007 in Potsdam (Germany), 2008 in Dublin (Ireland), and 2009 in Alcala (Spain). EuroSPI established an experience library (library.eurospi.net) which will be conti- ously extended over the next few years and will be made available to all attendees. EuroSPI also created an umbrella initiative for establishing a European Qualification Network in which different SPINs and national initiatives join mutually beneficial collaborations (ECQA – European Certification and Qualification Association, www.ecqa.org). With a general assembly during October 15–16, 2007 through Euro-SPI partners and networks, in collaboration with the European Union (supported by the EU L- nardo da Vinci Programme) a European certification association has been created (www.eu-certificates.org, www.ecqa.org) for the IT and services sector to offer SPI knowledge and certificates to industry, establishing close knowledge transfer links between research and industry.

Home equity loans provide you with cash in exchange for the net assets you have accumulated in the property as a separate loan.

As with any loan, the person with the highest credit score will be entitled to the highest interest rate. The banks that provide these services will place more stringent requirements on your credit score and the equity in your property. Here are the best interest rates we can find among lenders who still offer home equity loans

The basic principle of building home equity is the same for everyone (paying off as much mortgage as possible), but in today's financial environment, different generations face different challenges. Therefore, no matter how old we are, we've put together some tips on building home equity.

If you are first-time home buyers, it is very important for you to choose the right mortgage. Here are some tips can help you find a mortgage that suits you as easily as possible.