8 pages : 17 cm

Book #2, Set #1 in the Literacy Tree Work and Play series.

ANOTHER VERSION OF THE SAME BOOK ON THIS SITE HAS PAGES ORGANIZATION AND BOOKMARK ERRORS. THIS IS A FIXED VERSION ======================================================= The fourth edition of Advertising brings together an author team of highly experienced teachers and industry professionals to produce a learning resource that is both pedagogically sound and reflective of the most current industry practices. This new edition is fully revised to reflect the rapidly evolving advertising industry by beginning from the premise that everything is digital. To introduce students to the power of digital marketing, this edition contains two new chapters on Search and Analytics, which underpin all modern communication systems. A third new chapter on Integration and Synergy demonstrates how these tools can be brought together to form a measurable, customer-focused IMC plan.

24 pages : 22 cm Cover title Includes index

1993 Literacy 2000 Satellites Stage 2 Set B -- When I Pretend (P) Written by Lucy Lawrence / Illustrated by Craig Smith *** 9780732711337 *** 8

Advertising An Integrated Marketing Communications Perspective 4th Australian Edition 2020 1 Halftitle 2 Dedication 4 Titlepage 5 Copyright 6 Contents in Brief 7 Contents 8 Preface 22 About the Australian Authors 24 About the Contributing Authors 27 About the Feature Authors 30 About the Original Authors 35 Acknowledgments 37 Case study Matrix 40 Highlights of this edition 42 Text at a glance 46 Learnsmart 51 Introduction 54 Introduction 55 Data has always shaped society 59 Four industrial revolutions 62 Disrupted marketers 66 Empowered customers 76 Changed society 80 Summary 87 Key terms 88 Discussion questions 89 Endnotes 91 Introduction 95 Summary 99 Key terms 100 Discussion questions 101 Endnotes 103 Case study 1a 107 Case study 1b 111 Introduction 114 Graduate spotlight 116 Introduction 119 Marketing: where IMC begins 123 IMC: where marketing communication comes together 129 Definitions of IMC 135 Implementation of IMC 138 Tools for IMC 142 Strategic consistency 148 Summary 154 Key terms 156 Discussion questions 157 Endnotes 159 Introduction 163 Integration 167 Type of integration 169 Synergy 177 Paid, owned and earned media 182 Consumer empowerment and the push–pull marketplace 186 An overview of consumer behaviour 188 The consumer decision-making process 190 Micro influences on consumer behaviour 209 Summary 217 Key terms 218 Discussion questions 220 Endnotes 221 Introduction 224 Macro influences on consumer behaviour 231 New approaches to understanding consumer behaviour 236 The nature of communication 238 A basic model of communication 240 Summary 247 Key terms 249 Discussion questions 251 Endnotes 253 Introduction 258 Summary 263 Key terms 265 Discussion questions 266 Endnotes 267 Case study 2a 273 Case study 2b 278 Analysing the receiver 284 Response models 289 Cognitive processing of communication and persuasion 301 Brands, branding and engagement 310 Measuring the brand 314 How consumers engage with brands and build relationships 318 IMC turns consumer data into brand relationships 329 IMC ethics 332 Social and ethical criticisms of advertising 334 Regulation 349 Self-regulation 352 Introduction 360 Graduate spotlight 361 Introduction 363 Account planning in the digital era 369 Summary 381 Key terms 382 Discussion questions 384 Endnotes 385 Introduction 388 The planning process 394 IMC strategic decisions 406 Planning for IMC 419 Determining objectives 425 Data-enabled decision making 429 Summary 433 Key terms 434 Discussion questions 435 Endnotes 436 Introduction 437 Data sources 441 The technology driving analytics 446 Data-empowered creativity 454 Historical search tactics 459 The search ecosystem 464 Paid search 467 SEO and organic search 474 Summary 482 Key terms 484 Discussion questions 485 Endnotes 486 Introduction 488 The blended search approach 492 Moving forward in search 496 What is creativity? 499 How creativity works 505 The creative process 507 Message strategy: what to say 513 The big idea: how to say it 521 How to execute it: appeals and execution styles 526 Behind every good campaign is a great client 540 Summary 543 Key terms 544 Discussion questions 545 Endnotes 546 Introduction 551 Developing and implementing media strategies 559 An overview of media planning 567 Some basic terms and concepts 569 Developing the media plan 573 Characteristics of media 585 Digital advertising 588 Television 598 Summary 605 Key terms 606 Discussion questions 608 Endnotes 609 Introduction 613 Radio 616 Print 621 Out-of-home media 639 Cinema 643 The importance of measurement 645 The measurement process 649 Evaluating the effectiveness of IMC programs 659 Summary 665 Key terms 667 Discussion questions 668 Endnotes 669 Case study 3a 673 Case study 3b 678 Introduction 683 Introduction 684 Testing for campaign development 688 New initiatives in measurement 709 Advertising defined: you’ve been watching it all your life, but exactly how do you define it? 714 The future of advertising 727 Summary 732 Key terms 734 Discussion questions 735 Endnotes 736 Introduction 738 History of advertising: where marketing communication began in Australia and New Zealand 743 The changing advertising landscape 746 Public relations 748 Practising public relations 753 Measuring the effectiveness of public relations 765 Publicity as a strategy 768 Summary 773 Key terms 774 Discussion questions 775 Endnotes 776 Introduction 777 Corporate advertising 782 The scope and role of sales promotion 788 The growth of sales promotion 792 Consumer-orientated sales promotion 798 Trade-orientated sales promotion 814 Direct marketing and personal selling 822 Advantages and limitations of direct marketing 830 The scope of personal selling in the IMC process 832 Summary 837 Key terms 838 Discussion questions 840 Endnotes 841 Case study 4a 845 Case study 4b 851 Appendix 856 Glossary 866 Index 895 Advantages and limitations of personal selling 936 Evaluating the personal selling effort 938

Developed for an Australian and New Zealand audience, Management Accounting 9e explains the contemporary role of management accounting. It takes a broad perspective in viewing management accounting as the efficient and effective use of resources, demonstrating how it creates and enhances value for customers and shareholders, as well as the wider aspects of business. The text has been developed using cases based on real Australian and international businesses, and includes numerous 'Real Life' illustrations of current management accounting practices. In keeping with the need to be industry focused, the new edition includes coverage of key contemporary topics including data analytics, big data and business ethics. Highlights include: Coverage of contemporary topics including data analytics, big data and business ethics; Real Life cases that reflect the growing global nature of business and Australia's role in our region; End of Chapter exercises and problems including algorithmic questions; and comprehensive Instructor Resource Manual.

24 pages : 16 x 22 cm

8 pages : 17 cm

Designed for marketing students and practitioners. In a highly competitive market it is vital to effectively communicate the message of your product, service or idea. The starting point for effective marketing communication is an integrated marketing communication (IMC) plan. Developing Your Integrated Marketing Communication Plan is a highly practical workbook taking you through the process of creating of an effective IMC plan, step by step. Accompanied by quotes from seasoned professionals, handy hints and a case study this book will help you and your marketing message succeed in our contemporary business environment.

1992 Literacy 2000 Stage 7 Set B -- Who Pushed Humpty? (P) Written by H. O. O. Dunnit / Illustrated by Craig Smith *** 9780732707064 *** 24

Clinical Sports Nutrition, now in its sixth edition, is a cornerstone of the Sports Medicine series offered by McGraw Hill. It is an invaluable asset for all professionals and students who are either working in or seeking a career in sports science, coaching science, sports medicine or sports dietetics. All chapters have been substantially revised and updated, with contributions from leading international researchers and practitioners in sports nutrition, sports science and sports medicine. Contributors are experts in their field, with extensive practical experience working with elite and recreational athletes at different ages, abilities and levels. Clinical Sports Nutrition is an essential resource for all students and instructors in the discipline of sports nutrition, and a must-read for elite athletes, sports professionals and trainers who need to keep their knowledge current. Features: •Practice tips to enable health professionals to translate research into practical nutrition advice. •New and comprehensively updated chapters on making weight, low energy availability with measurement protocols, medical and nutrition issues for athletes when travelling, and the athlete with diabetes. •A new commentary on sustainable eating for athletes. • Instructor resources via Connect that include evidence-based real-life case studies with accompanying questions and quizzes to test or consolidate students’ understanding.

Edited By Elizabeth Rieger. Includes Bibliographical References And Index.

32 pages : 22 cm Tilly and tammy Hunter were sisters, and they lived all their lives - more than seventy years. They did everything together: the shopping, cooking, housework, and gardening. Then came the saddest time in Tilly's life - when her sister died suddenly in her sleep..

16 pages : 21 cm

John Murtagh's General Practice 6th Edition is the book for all GPs, registrar and student GPs. This text is widely recognized as the most influential publication for general practice and primary health care. Updates are key in maintaining John Murtagh's reputation for having the best clinical content for GP education and reference. John Murtagh's General Practice 6th Edition gives a whole view of GP, considering skills such as communication as well as diagnosis. With detailed explanations of diagnoses accompanied by illustrations and diagrams to provide clear explanations, this book provides detailed descriptions with background and anatomical information. Exciting New Features in this edition: Approximately 30% of the book in total has been revised and updated; The book's contents have been restructured for a more logical topic flow; Several chapters have been heavily revised or are new.

FINANCIAL INSTITUTIONS MANAGEMENT 4E Contents in full Preface Intended audience Acknowledgments About the authors New in this edition Text at a glance Proven effective Connect support Visual progress Organisation and content Chapter 1 Why are financial institutions special? Introduction FINANCIAL INSTITUTIONS’ SPECIALNESS FI function as broker FI function as asset transformer Information costs FI role as delegated monitor FI role as information producer Liquidity and price risk Other special services Reduced transaction costs Maturity intermediation OTHER ASPECTS OF SPECIALNESS The transmission of monetary policy Credit allocation Intergenerational wealth transfers or time intermediation Payment services Denomination intermediation SPECIALNESS AND REGULATION Regulator structure and coordination Preliminary assessment Observation Role and responsibilities of CFR Membership Transparency and accountability Policy options for consultation Formalise the role of the CFR within statute Increase CFR membership to include the ACCC, AUSTRAC and the ATO Increase the reporting by the CFR Safety and soundness regulation Monetary policy regulation Credit allocation regulation Consumer and investor protection regulation Entry regulation THE CHANGING DYNAMICS OF SPECIALNESS Trends in Australia Global trends The rise of financial services holding companies THE SHIFT AWAY FROM RISK MEASUREMENT AND MANAGEMENT AND THE GLOBAL FINANCIAL CRISIS Endnotes Chapter 2 The financial services industry: depository institutions Introduction BANKS Size, structure and composition of the industry Balance sheet and trends Assets Liabilities Capital Off-balance-sheet activities Bank performance The ‘too big to fail’ subsidy Introduction The task Summary of results Summary of implicit subsidy calculation Calculation and key assumptions Calculating the credit rating uplift Calculating the stock of uninsured liabilities CREDIT UNIONS AND BUILDING SOCIETIES Size, structure and composition of the industry Balance sheet, performance and trends THE REGULATION OF AUSTRALIAN DEPOSITORY INSTITUTIONS The key legislation The regulatory agencies Australian Prudential Regulation Authority Australian Securities and Investments Commission Reserve Bank of Australia Council of Financial Regulators Australian Prudential Supervision Framework 15 Supervision outcomes and responses and entity risk assessment 18 Probability and impact rating system (PAIRS) 20 APRA’s supervisory oversight and response system (SOARS) 22 Supervisory activities Supporting material and infrastructure and quality assurance within the framework Overview of the regulation of depository institutions 1. Capital adequacy—measurement of capital and risk-adjusted assets and disclosure 2. Liquidity 3. Credit quality, large exposures, related organisations, outsourcing and business continuity management Chapter 3 The financial services industry: other financial institutions Introduction INSURERS AND FUND MANAGERS Life insurance Size, structure and composition of the industry Ordinary business Superannuation business of life insurers Balance sheet, performance and trends Regulation General insurance Size, structure and composition of the industry Balance sheet, performance and trends Loss risk Property versus liability Severity versus frequency Long-tail versus short-tail Product inflation versus social inflation Reinsurance Measuring loss risk Expense risk Investment yield/return risk Regulation Superannuation funds Size, structure and composition of the industry Balance sheet, performance and trends Regulation Managed funds and unit trusts Size, structure and composition of the industry Balance sheet and trends Regulation OTHER FINANCIAL INSTITUTIONS Money market corporations Size, structure and composition of the industry Balance sheet and trends Regulation Finance companies Size, structure and composition of the industry Balance sheet and trends Regulation Securitisation vehicles Size, structure and composition of the industry Balance sheet and trends Regulation SUMMARY KEY TERMS QUESTIONS AND PROBLEMS WEB QUESTIONS PERTINENT WEBSITES ENDNOTES Chapter 4 Risks of financial institutions Introduction INTEREST RATE RISK MARKET RISK CREDIT RISK COUNTRY OR SOVEREIGN RISK FOREIGN EXCHANGE RISK LIQUIDITY RISK OFF-BALANCE-SHEET RISK TECHNOLOGY AND OPERATIONAL RISKS Technology risk Operational risk INSOLVENCY RISK OTHER RISKS AND THE INTERACTION OF RISKS SUMMARY KEY TERMS Chapter 5 Interest rate risk measurement: the repricing model Introduction THE LEVEL AND MOVEMENT OF INTEREST RATES THE REPRICING MODEL Rate-sensitive assets Rate-sensitive liabilities Changes to NII—equal changes in rates on RSAs and RSLs Changes to NII—unequal changes in rates on RSAs and RSLs WEAKNESSES OF THE REPRICING MODEL Market value effects Over-aggregation The problem of runoffs Cash flows from off-balance-sheet activities Calculating and using the repricing gap Unbiased expectations theory Liquidity premium theory Market segmentation theory Chapter 6 Interest rate risk measurement: the duration model Introduction DURATION: A SIMPLE INTRODUCTION A GENERAL FORMULA FOR DURATION The duration of interest-bearing bonds The duration of a zero-coupon bond The duration of a consol bond (perpetuity) FEATURES OF DURATION Duration and maturity Duration and yield Duration and coupon interest THE ECONOMIC MEANING OF DURATION Semi-annual coupon bonds USING DURATION TO MEASURE AN FI’s INTEREST RATE RISK Duration and immunising future payments 1. Buy five-year maturity zero-coupon bonds 2. Buy five-year duration coupon bonds Duration and interest rate risk in the whole balance sheet of an FI The duration gap for a financial institution IMMUNISATION AND REGULATORY CONSIDERATIONS DIFFICULTIES OF APPLYING THE DURATION MODEL Duration matching can be costly Immunisation is a dynamic problem Large interest rate changes and convexity SUMMARY KEY TERMS QUESTIONS AND PROBLEMS Calculating and using duration gap PERTINENT WEBSITES ENDNOTES Calculation of CX The problem of the flat-term structure The problem of default risk Floating rate loans and bonds Demand deposits and savings deposits Mortgages and mortage-backed securities Futures, options, swaps, caps and other contingent claims Chapter 7 Managing interest rate risk using off-balance-sheet instruments Introduction FORWARD AND FUTURES CONTRACTS Spot contracts Forward contracts Futures contracts FORWARD CONTRACTS AND HEDGING INTEREST RATE RISK HEDGING INTEREST RATE RISK WITH FUTURES CONTRACTS Microhedging Macrohedging Routine hedging versus selective hedging Macrohedging with futures The risk-minimising futures position Short hedge On-balance-sheet Off-balance-sheet The problem of basis risk OPTIONS CONTRACTS Basic features of options Buying a call option on a bond Writing a call option on a bond Buying a put option on a bond Writing a put option on a bond WRITING VERSUS BUYING OPTIONS Economic reasons for not writing options Regulatory reasons for not writing options Futures versus options hedging THE MECHANICS OF HEDGING A BOND OR BOND PORTFOLIO USING OPTIONSOPTIONS CONTRACTS 15 Hedging with bond options using the binomial model ACTUAL BOND OPTIONS USING OPTIONS TO HEDGE THE INTEREST RATE RISK OF THE BALANCE SHEET Basis risk INTEREST RATE SWAPS Swap markets The generic interest rate swap Realised cash flows on an interest rate swap Macrohedging with swaps Interest rate swaps and credit risk concerns SUMMARY KEY TERMS WEB QUESTIONS Hedging interest rate risk with futures versus options PERTINENT WEBSITES ENDNOTES Chapter 8 Managing interest rate risk using loan sales and securitisation Introduction LOAN SALES Types of loan sales contracts Participations Assignments Using a loan sale to manage interest rate risk Why FIs sell loans Reserve requirements Fee income Capital costs Credit risk Liquidity risk Factors encouraging loan sales growth in the future BIS capital requirements Market value accounting Credit ratings Purchase and sale of foreign bank loans SECURITISATION Converting on-balance-sheet assets to a securitised asset The pass-through security Interest rate risk: incentives and mechanics of pass-through security creation Prepayment risk on pass-through securities Refinancing Housing turnover Good news effects Bad news effects Prepayment models The collateralised mortgage obligation (CMO) Creation of CMOs Class A, B and C bond buyers Class A Class B Class C Other CMO classes Class Z Class R The mortgage-backed bond (MBB) Cover pool monitor APRA powers Club structures Can all assets be securitised? SUMMARY KEY TERMS WEB QUESTION PERTINENT WEBSITES ENDNOTES Chapter 9 Market risk Introduction CALCULATING MARKET RISK EXPOSURE THE RISKMETRICS MODEL The market risk of fixed-income securities Foreign exchange Equities Portfolio aggregation THE HISTORIC (BACK SIMULATION) APPROACH The historic (back simulation) model versus RiskMetrics Approach VaR limits Back-testing Back-testing results The Monte Carlo simulation approach 34 Expected shortfall Value at Risk (VaR) Expected shortfall REGULATORY MODELS: THE BIS STANDARDISED FRAMEWORK Partial risk factor approach Fuller risk factor approach Step 1. Assign each instrument to applicable risk factors Step 2. Determine the size of the net risk position in each risk factor Step 3. Aggregate overall risk position across risk factors THE BIS REGULATIONS AND LARGE BANK INTERNAL MODELS SUMMARY KEY TERMS QUESTIONS AND PROBLEMS WEB QUESTION Calculating DEAR on an FI’s trading portfolio Fixed-income securities Foreign exchange contracts Equities PERTINENT WEBSITES ENDNOTES Chapter 10 Credit risk I: individual loan risk Introduction CREDIT QUALITY PROBLEMS Regulatory use of macroprudential powers Observation by FSI Policy options for consultation Assess the prudential perimeter Additional macroprudential powers TYPES OF LOANS Business loans China—Central Bank supports lending to small business India—Risk capital firms back small business lenders Housing loans Consumer or individual loans Regulations restricting competition Other loans Loan defaults CALCULATING THE RETURN ON A LOAN The contractually promised return on a loan LIBOR Interest Rate Probe Escalates: Barclays Agrees to Pay Record Fine; The expected return on a loan RETAIL VERSUS WHOLESALE CREDIT DECISIONS Retail Wholesale MEASUREMENT OF CREDIT RISK DEFAULT RISK MODELS Qualitative models Borrower-specific factors Reputation Leverage Volatility of earnings Collateral Market-specific factors The business cycle The level of interest rates Quantitative models Credit scoring models Linear probability model and logit model Linear discriminant models NEWER MODELS OF CREDIT RISK MEASUREMENT AND PRICING Term structure derivation of credit risk Probability of default on a one-period debt instrument Probability of default on a multi-period debt instrument Mortality-rate derivation of credit risk RAROC models Using duration to estimate loan risk Using loan default rates to estimate loan risk Option models of default risk 35 Theoretical framework The borrower’s payoff from loans The debt holder’s payoff from loans Applying the option valuation model to the calculation of default risk premiums The Moody’s Analytics option model and expected default frequency SUMMARY KEY TERMS WEB QUESTIONS Loan analysis PERTINENT WEBSITES Chapter 11 Credit risk II: loan portfolio and concentration risk Introduction SIMPLE MODELS OF LOAN CONCENTRATION RISK LOAN PORTFOLIO DIVERSIFICATION AND MODERN PORTFOLIO THEORY (MPT) Moody’s Analytics Portfolio manager model Return on the loan (Ri ) Risk of the loan (σ i ) Correlation (ρ ij ) Partial applications of portfolio theory Loan volume-based models Loan loss ratio–based models REGULATORY MODELS USE OF DERIVATIVES TO HEDGE CREDIT RISK Credit forward contracts and credit risk hedging Futures contracts and catastrophe risk Hedging credit risk with options Hedging catastrophe risk with call spread options Credit swaps Total return swaps Pure credit swaps CDS indices Swaps and credit risk concerns Netting and swaps Payment flows are interest and not principal Standby letters of credit USE OF LOAN SALES AND SECURITISATION TO MANAGE CREDIT RISK Loan sales Asset securitisation Removal of credit risk Reduction of concentration risk Maintenance of customer relationships Capital adequacy regulations Moral hazard issues Chapter 12 Sovereign risk Introduction CREDIT RISK VERSUS SOVEREIGN RISK DEBT REPUDIATION VERSUS DEBT RESCHEDULING COUNTRY RISK EVALUATION Outside evaluation models The Euromoney Country Risk Index The Economist Intelligence Unit The Institutional Investor index Internal evaluation models Statistical models The debt service ratio (DSR) The import ratio (IR) Investment ratio (INVR) Variance of export revenue (VAREX) Domestic money supply growth (MG) Problems with statistical CRA models Measurement of key variables Population groups Political risk factors Portfolio aspects Incentive aspects Borrowers Benefits Costs Lenders (FIs) Benefits Costs Stability USING MARKET DATA TO MEASURE RISK: THE SECONDARY MARKET FOR LDC AND EMERGING MARKET DEBT The structure of the market Sellers Buyers The early market for sovereign debt Today’s market for sovereign debt Sovereign bonds Performing loans Non-performing loans Growing stability in Europe Continuing downward trend in the financial sector Correlation of S&P ratings and corporate defaults The sovereign debt crisis continues to be felt Chapter 13 Foreign exchange risk Introduction FOREIGN EXCHANGE RATES AND TRANSACTIONS Foreign exchange rates Foreign exchange transactions SOURCES OF FOREIGN EXCHANGE RISK EXPOSURE Foreign exchange rate volatility and FX exposure FOREIGN CURRENCY TRADING FX trading activities INTERACTION OF INTEREST RATES, INFLATION AND EXCHANGE RATES Purchasing power parity Interest rate parity FOREIGN ASSET AND LIABILITY POSITIONS The return and risk of foreign investments Risk and hedging ON-BALANCE-SHEET HEDGING MANAGING FX RISK USING DERIVATIVE INSTRUMENTS Hedging with forwards Hedging with futures Estimating the hedge ratio 9 Using options to hedge FX risk Using currency swaps to hedge FX risk Fixed–fixed currency swaps Fixed–floating currency swaps MULTICURRENCY FOREIGN ASSET–LIABILITY POSITIONS KEY TERMS QUESTIONS AND PROBLEMS WEB QUESTION PERTINENT WEBSITES ENDNOTES Chapter 14 Liquidity risk Introduction CAUSES OF LIQUIDITY RISK LIQUIDITY RISK AT DEPOSITORY INSTITUTIONS Liability-side liquidity risk Deposits Purchased liquidity management Stored liquidity management Asset-side liquidity risk Measuring a depository institution’s liquidity exposure Sources and uses of liquidity Peer group ratio comparisons Liquidity index Financing gap and the financing requirement New liquidity risk measures implemented by the BIS Maturity ladder/scenario analysis Other liquidity risk control measures Liquidity planning Liquidity risk, unexpected deposit drains and bank runs Deposit drains and bank run liquidity risk Bank runs, the discount window and deposit guarantees Liquidity and financial system stability Reserve Bank role in maintaining financial system stability LIQUIDITY RISK IN OTHER FINANCIAL INSTITUTIONS Life insurance companies General insurers Managed funds SUMMARY KEY TERMS QUESTIONS AND PROBLEMS WEB QUESTION PERTINENT WEBSITES ENDNOTES Chapter 15 Liability and liquidity management Introduction LIQUID ASSET MANAGEMENT Monetary policy implementation reasons Taxation reasons THE COMPOSITION OF THE LIQUID ASSET PORTFOLIO RETURN–RISK TRADE-OFF FOR LIQUID ASSETS The liquid asset reserve management problem for depository institutions Management of exchange settlement funds Payment settlement RBA liquidity facilities Liquidity management as a knife-edge management problem LIABILITY MANAGEMENT Funding risk and cost CHOICE OF LIABILITY STRUCTURE DEPOSIT LIABILITIES Cheque account and other demand deposits Withdrawal risk Costs Savings accounts Withdrawal risk Costs Cash management/investment savings accounts Withdrawal risk Costs Fixed-term deposits Withdrawal risk Costs Negotiable certificates of deposit (NCDs) Withdrawal risk Costs NON-DEPOSIT LIABILITIES Interbank funds Withdrawal risk Costs Repurchase agreements (Repos) Withdrawal risk Costs Covered bonds Withdrawal risk Costs Other borrowings Bank accepted bills (BAB) Commercial bills or non-bank bills Commercial paper or promissory notes Subordinated debt, medium-term notes and long-term borrowings LIQUIDITY REGULATION Liquidity management framework Contingency funding plan Minimum quantitative requirements LCR regime ADIs The LCR requirement The ‘name crisis’ scenario (phased out 31 December 2014) The ‘going concern’ scenario Stress testing MLH regime ADIs Net stable funding ratio (NSFR) Improved global liquidity? DEPOSITOR PROTECTION AND DEPOSIT GUARANTEES Australian depositor protection mechanisms Financial Claims Scheme 33 Guarantee Scheme for Large Deposits and Wholesale Funding Financial Claims Scheme—Policyholders Compensation Facility SUMMARY KEY TERMS QUESTIONS AND PROBLEMS WEB QUESTIONS PERTINENT WEBSITES ENDNOTES Chapter 16 Off-balance-sheet risk Introduction OBS ACTIVITIES AND FI SOLVENCY RETURNS AND RISKS OF OBS ACTIVITIES Loan commitments Interest rate risk Draw-down risk Credit risk Aggregate funding risk Documentary letters of credit and standby letters of credit Documentary letters of credit Standby letters of credit Risks associated with letters of credit Derivative contracts: futures, forwards, swaps and options Why the economy needs risk management products, like derivatives Credit risk concerns with derivative securities Forward purchases and sales of when-issued securities Risks associated with when-issued securities Loans sold Risks associated with loan sales THE ROLE OF OBS ACTIVITIES IN REDUCING RISK SUMMARY KEY TERMS QUESTIONS AND PROBLEMS WEB QUESTION Calculating income on OBS activities PERTINENT WEBSITES ENDNOTES Chapter 17 Technology and other operational risks Introduction WHAT ARE THE SOURCES OF OPERATIONAL RISK? TECHNOLOGICAL INNOVATION AND PROFITABILITY THE IMPACT OF TECHNOLOGY ON WHOLESALE AND RETAIL FINANCIAL SERVICE PRODUCTION Wholesale financial services Retail financial services Advanced technology requirements THE EFFECT OF TECHNOLOGY ON REVENUES AND COSTS Technology and revenues Technology and costs Economies of scale Economies of scope TESTING FOR ECONOMIES OF SCALE AND ECONOMIES OF SCOPE The production approach The intermediation approach EMPIRICAL FINDINGS ON COST ECONOMIES OF SCALE AND SCOPE AND IMPLICATIONS FOR TECHNOLOGY EXPENDITURES Economies of scale and scope and X-inefficiencies TECHNOLOGY AND THE PAYMENTS SYSTEM Trends in retail payments Trends in high-value payments Risks that arise in an electronic payment system RTGS and daylight overdraft risk Crime and fraud risk Regulatory risk Tax avoidance Competition risk OTHER OPERATIONAL RISKS REGULATORY ISSUES AND TECHNOLOGY AND OPERATIONAL RISKS Operational risk and FI insolvency Consumer protection SUMMARY KEY TERMS QUESTIONS AND PROBLEMS WEB QUESTIONS PERTINENT WEBSITES ENDNOTES Chapter 18 Capital management and adequacy Introduction CAPITAL AND INSOLVENCY RISK Capital The market value of capital The book value of capital The discrepancy between the market and book values of equity Arguments against market value accounting CAPITAL MANAGEMENT REGULATION OF CAPITAL OF AUSTRALIAN DIs Observation Capital requirements Country implementation of Basel III Calibrate the prudential framework International comparability of Australia’s prudential requirements Basel accords: The evolution of DI capital regulation Three-pillar framework The third Basel accord: Basel III PILLAR 1: CAPITAL ADEQUACY Measurement of regulatory capital Tier 1 (going concern) capital Common equity Tier 1 Additional Tier 1 capital Tier 2 (gone concern) capital Capital adequacy ratios Measuring risk-adjusted assets Measurement of credit-risk-adjusted assets On-balance-sheet activities Off-balance-sheet activities Calculating the total credit-risk-adjusted assets Credit derivatives in the banking book Operational risk and risk-based capital Standardised approach to calculating operational risk capital charge Advanced measurement approaches to operational risk capital charge Market risk capital charge Non-traded interest rate risk capital charge Risk capital charge for securitisation credit risk Covered bonds and capital adequacy Calculating the capital adequacy ratios Leverage ratio Capital buffers PILLAR 2: DI RISK ASSESSMENT AND SUPERVISION PILLAR 3: CAPITAL AND RISK DISCLOSURE SUMMARY KEY TERMS QUESTIONS AND PROBLEMS WEB QUESTIONS PERTINENT WEBSITES ENDNOTES APPENDIX 18A Market risk capital charge for interest rate risk using the standardised approach APPENDIX 18B Criticisms of the risk-based capital ratio Risk weights Risk weights based on external credit rating agencies Capital ratios Portfolio aspects DI specialness Other risks Competition Leverage ratio Slower growth and higher lending costs resulting from additional costs of regulation Glossary Index A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Contains lessons for classroom use in teaching mathematics; uses games, artwork, artifacts and examples from a variety of cultures to teach basic mathematical skills; teacher's notes include activity information, blackline masters, math concept focus for activities, bibliographical references and index

32 unnumbered pages : 22 cm Includes bibliographical references (page 32

8 pages : 17 cm Depicts common sights at a baseball game Stage 1

Now In Its Ninth Edition, Financial Institutions Instruments And Markets Continues To Be One Of The Market Leaders In Financial Institutions Management. With A Well-respected Author Team At The Helm It Is A Comprehensive Resource For All Students Wanting To Learn About The Modern Financial System As Well As Those Preparing For A Career In Finance. This New Edition Encourages Students To Understand Anticipate And Challenge The Complex And Global Nature Of Finance While Maintaining An Accessible Approach And Style.

Annotation. John Murtagh's General Practice is widely recognised as the gold standard reference for general practice and primary health care. Its emphasis on the importance of clinical reasoning,early diagnosis and treatment makes this the essential reference for medical students, trainees and general practitioners. Presented in alphabetical order and in a convenient pocket-sized format, John Murtagh's General Practice Companion Handbook 8e summarises key content from the main book. It is an accessible, trusted and portable source of information for medical students and experienced professionals. John Murtagh is Emeritus Professor in General Practice at Monash University; Professional Fellow of General Practice at the University of Melbourne; and Adjunct Clinical Professor in the Graduate School of Medicine, University of Notre Dame. Clare Murtagh is a general practitioner in Sydney.She holds postgraduate qualifications in Dermatology, Medical Education, and Sexual and Reproductive Health

24 pages : 21 cm Stage 5

Sold worldwide and translated into 13 languages, John Murtagh's General Practice is widely recognised as the gold standard reference for general practice and primary health care. Its emphasis on the importance of clinical reasoning, early diagnosis and treatment makes this the essential reference for medical students, trainees and general practitioners. Written by renowned general practitioners and educators, and with all content reviewed for currency by leading experts, the eighth edition provides fundamental knowledge and skills required for the challenging field of general practice. Key features: \*Diagnostic strategy models for common presenting problems, including diagnostic triads \*Clinical frameworks, including management and treatment \*Evidence-based research, with all content reviewed for currency by leading experts \*Extensive coverage of mental health, health promotion, women's health, and paediatric and geriatric care New to this edition: \*New chapters on obesity, mood disorders, breast disorders, and traveller's health and tropical medicine \*Updated and new information on genetic disorders, chronic pain and infectious diseases, including acute respiratory distress syndrome with reference to coronaviruses and COVID-19 \*Restructure of table of contents to allow for easier navigation About the authors John Murtagh is Emeritus Professor in General Practice at Monash University; Professional Fellow of General Practice at the University of Melbourne; and Adjunct Clinical Professor in the Graduate School of Medicine, University of Notre Dame. Jill Rosenblatt is a general practitioner and was Adjunct Senior Lecturer in the School of Primary Health Care at Monash University. She received a Distinguished Service Award of the RACGP in 2014. Jill has a wealth of rural and urban medical experience. Justin Coleman is a general practitioner in the Tiwi Islands and was Senior Lecturer at Flinders University. He's on the Editorial Advisory Board of Diabetes Management Journal, a member of Choosing Wisely Australia (NPS) and a prolific writer for a number of publications. Clare Murtagh is a general practitioner in Sydney. She holds postgraduate qualifications in Dermatology, Medical Education, and Sexual and Reproductive Health.

contents in brief contents in full lecture2 lecture3 lecture4 CH5 somatic and dissociative disorders Dissociative disorders CH9 personality disorder

Cover title

Each chapter is specifically formatted to combine the viewpoints of two sports nutrition experts: the scientific principles underpinning each issue are reviewed by an internationally recognized nutritionist with extensive research experience, while a sports dietitian summarizes the practice tips that can be drawn from these principles.

1 volume (unpaged) : 21 cm Cover title Originally published in Australia in 1985

The jungle animals prepare a giant birthday feast for their boastful king

Children's book. No laughing. No whistling. No smiling allowed. The city of Glumly is a depressing place, where even sunshine and flowers are forbidden – and Mr. Grim is determined to make sure that it stays that way. But he reckons without Sarah Frown.