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黄冈黄州县男科大夫武汉哪里医院治早泄武汉治疗龟头炎的价格 So todays top chef class is in how to rob a bank, and its clear that the general public needs guidance, because the average bank robbery nets.今天的“顶级大厨”寓教于食,揭秘怎么抢,显然,大众对这个外行。 因为一般的劫匪抢一次.Only 7,500 dollars.平均只能抢到区区7500刀,Rank amateurs who know nothing about how to cook the books.这是完全不懂做假帐的业余会计的水平。The folks who know, of course, run our largest banks,and in the last go-around,they cost us over 11 trillion dollars.当然,懂行的专业人士全是大的头头们,上次他们出手,我们损失11万亿刀。Thats what 11 trillion looks like.11万亿看起来是酱紫的。Thats how many zeros?数数多少个0?And cost us over 10 million jobs as well.还让我们损失1000万个工作岗位。So our task is to educate ourselves so that we can understand why we have these recurrent,intensifying financial crises,and how we can prevent them in the future.所以我们的当务之急是好好学习,长长见识,搞清楚金融危机一再出现并且愈演愈烈的原因,以及未来如何防范。And the answer to that is that we have to stop epidemics of control fraud.就是我们需要制止大面积的管理欺诈行为。Control fraud is what happens when the people who control,typically a CEO,a seemingly legitimate entity,use it as a weapon to defraud.何为管理欺诈?管理人员,通常是CEO在管理一个貌似合法的金融机构时,把这个机构当成武器来使,搞诈骗。And these are the weapons of mass destruction in the financial world.这些算是金融界的大规模杀伤性武器。They also follow in finance a particular strategy,because the weapon of choice in finance is accounting,and there is a recipe for accounting control fraud, and how it occurs.在金融领域,他们还采取一种特定的策略,因为他们所使用的武器是会计,这是金融领域的不二之选。会计管理欺诈行为及其发生都有固定的“套路”。And we discovered this recipe in quite an odd way that Ill come back to in a moment.我们发现这一点也是不期而然。我稍后再谈。First ingredient in the recipe: grow like crazy;这一套路不可缺少的“原料”:首先是疯狂地膨胀扩张。Second, by making or buying really crappy loans, but loans that are made at a very high interest rate or yield;其次是放出或者购买“垃圾贷款”,不过这种贷款的利率或者收益非常之高。Three, while employing extreme leverage that just means a lot of debt compared to your equity;第三,大肆利用金融杠杆,也就是相对于资产而言不成比例的大量债务。And four, while providing only trivial loss reserves against the inevitable losses.第四,为应对必然发生的坏账提供少之又少的准备金。If you follow those four simple steps,and any bank can follow them,then you are mathematically guaranteed to have three things occur.只要遵循这四个简单的步骤,任何都做得到,就会确定无疑地出现以下三种情况。The first thing is you will report record bank profits not just high, record.第一,的账面利润将会是史无前例的高不是一般的高,是史无前例的高。Two, the CEO will immediately be made incredibly wealthy by modern executive compensation.第二,鉴于现代的高管薪酬结构,CEO会一夜暴富。And three, farther down the road,the bank will suffer catastrophic losses and will fail unless it is bailed out.第三,长此以往就会遭受巨额损失,除非获得救助,不然就将倒闭。And thats a hint as to how we discovered this recipe,because we discovered it through an autopsy process.因为我们对整个流程进行了“解剖”。顺藤摸瓜我们才发现了这个固定的套路。201501/356423Xin nian kuai le!Every year, families and friends come together in the spirit of giving and happiness to celebrate the Lunar New Year. …The monkey signifies intelligence, innovation and enthusiasm. The Chinese-Canadian community has played an important role in building our country and defining our heritage.Every day, we are reminded of the economic and cultural contributions you have made and continue to make to our country. You were a great example of Canada’s great strength – our diversity. As we reflect on the past year and look forward to the New Year with optimism, I wish you a healthy, happy and prosperous Year of the Fire Monkey.Gong xi fa cai! 201602/427786湖北武昌男科医院哪家好

武汉正规男科医院To the young people like-a 13-year-old Anne Riddell from Mayfield, Ohio, who had been saving for two years to go to Disney World and decided to use her savings instead to travel to Pennsylvania with her mom and volunteer there, as well.年轻人们——比如13岁的来自俄亥俄州梅菲尔德的安妮·里德尔,她为了去迪斯尼乐园攒了两年的钱,可后来还是决定用她的积蓄和妈妈一起来宾夕法尼亚做一名志愿者。 To the veterans, to the childhood friends, to New Yorkers and Arkansans- who traveled across the country, telling anyone who would listen why you supported me.还有老兵们、小朋友们、纽约以及阿肯色州的朋友——你们千里迢迢赶来,告诉所有愿意听的人你们为什么持我, And to all of those women in their 80s and their 90s-born before women could vote, who cast their votes for our campaign.还有八九十岁的妇女,出生在不能参加选举的年代里的妇女们,她们曾在选举中投票。 Ive told you before about Florence Stein of South Dakota who was 88 years old and insisted that her daughter bring an absentee ballot to her hospice bedside.我曾经提到过一位88岁来自南达科他州的弗洛伦斯·斯坦因,她在医院的病床上坚持让女儿弄来一份给缺席者的选票, Her daughter and a friend put an American flag behind her bed and helped her fill out the ballot.她的女儿和一个朋友在她的床后挂上了一面美国国旗,并帮她填写了选票。 She passed away soon after and, under state law, her ballot didnt count, but her daughter later told a reporter,她不久后去世了,可惜的是,按照州法律,她的选票不能生效,她的女儿后来告诉一位记者: ;My dads an ornery, old cowboy, and he didnt like it when he heard moms vote wouldnt be counted.“我爸爸是一个粗人、老牛仔,当他听说妈妈的选票无效时很难过, I dont think he had voted in 20 years, but he voted in place of my mom.;我记忆中他在近20年内从未投过票,可这次他替妈妈投了一票。”201411/340426武汉那家医院看男科看的好 Im going to a few strips.我马上会朗读的一些连环漫画。These are, most of these are from a monthly page I do in and architecture and design magazine called Metropolis.它们中的很多都选自我每月刊登在一本关于建筑设计杂志上的小故事。那本杂志叫《登都市》。And the first story is called ;The Faulty Switch.;第一个故事叫做《开关的小瑕疵》。Another beautifully designed new building ruined by the sound of a common wall light switch.又一个设计精良的新建筑被一个再平常不过的电灯开关的启动声给毁了。Its fine during the day when the main rooms are flooded with sunlight.白天的时候一切都很美好,阳光洒满了你的房间。But at dusk everything changes.但当黄昏降临一切都变了。The architect spent hundreds of hours designing the burnished brass switchplates for his new office tower.建筑师愿意花很多时间,为新的办公大楼设计这些抛光的铜制开关板。And then left it to a contractor to install these 79-cent switches behind them.然后让承包商在这些精致的开关板后装上79美分的开关。We know instinctively where to reach when we enter a dark room.我们本能地知道,当我们走进这间黑屋子时,该按哪里打开开关。We automatically throw the little nub of plastic upward.接着,我们就自然而然地把那小小的按钮向上一摁。But the sound we are greeted with,但是,当房间溢满,as the room is bathed in the simulated glow of late-afternoon light,如傍晚阳光般昏暗的光线的时候,那迎接我们的一声响。recalls to mind a dirty mens room in the rear of a Greek coffee shop.却让人想起了一间希腊咖啡店后面那不甚整洁的男洗手间。This sound colors our first impression of any room;it cant be helped.这声响让我们对任何一间房的印象都那样先入为主,改都改不了。But where does this sound,commonly described as a click, come from?但是这我们称之为“咯嗒”的声响到底从何而来呢?201512/417316仙桃治疗包皮包茎多少钱

武汉在哪里割包皮Hi, everybody.嗨,大家好。For millions of Americans, this is a special and sacred time of year.对于数以百万计的美国人而言,这是一年中特别而神圣的时刻。。This week, Jewish families gathered around the Seder table, commemorating the Exodus from Egypt and the triumph of faith over oppression.在本周犹太家庭将团聚在逾越节餐桌前,一起纪念出埃及记及反抗压迫的信念取得的胜利。And this weekend, Michelle, Malia, Sasha and I will join Christians around the world to celebrate the Resurrection of Jesus Christ and the hopeful promise of Easter.而在本周末,米歇尔、米拉、萨莎和我将与全世界的基督徒一起庆祝耶稣基督的复活以及神赐予的复活节的美好承诺。In the midst of all of our busy and noisy lives,在我们忙碌而纷杂的生活中,these holy days afford us the precious opportunity to slow down and spend some quiet moments in prayer and reflection.这些神圣的日子给我们提供了放慢脚步,静静的花些时间去祷告和反思的难得机会。As Christians, my family and I remember the incredible sacrifice Jesus made for each and every one of us—how He took on the sins of the world and extended the gift of salvation.作为基督徒,我的家庭和我始终牢记耶稣为我们每一个人所做的毫无保留的牺牲,是他带走了全世界的罪恶救赎我们。And we recommit ourselves to following His example here on Earth.而我们也再次叮嘱自己永远以他为榜样。To loving our Lord and Savior.爱我们的主和救世主。To loving our neighbors.爱我们的邻里朋友。And to seeing in everyone, especially “the least of these, as a child of God.作为上帝的子民,将这种爱传递到每个人,尤其是“那些最卑微的人。Of course, those values are at the heart not just of the Christian faith; but of all faiths.当然,这些价值观不仅仅存在于基督徒的内心,还存在于所有信仰的人们心中。From Judaism to Islam; Hinduism to Sikhism; there echoes a powerful call to serve our brothers and sisters.从犹太教到伊斯兰教,从印度教到锡克教,都回响着为我们的兄弟务的庄重誓言。To keep in our hearts a deep and abiding compassion for all.对所有人的深深同情留在我们心底。And to treat others as we wish to be treated ourselves.希望别人怎么待我们,我们就应该如何去对待别人。That’s the common humanity that binds us together.这是将我们团结起来的基本的人性伦理。And as Americans, we’re united by something else, too:作为美国人,我们还因为别的事情团结在一起:faith in the ideals that lie at the heart of our founding; and the belief that,深深埋藏在我们心底的理想信念;as part of something bigger than ourselves, we have a shared responsibility to look out for our fellow citizens.而作为大家庭的一员,我们有着照顾同胞的共同责任信念。So this weekend, I hope were all able to take a moment to pause and reflect.所以本周末,我希望我们都能暂停一下反思一下,To embrace our loved ones.为了我们深爱的人们,To give thanks for our blessings.为了上天的恩赐,To rededicate ourselves to interests larger than our own.为了让我们再次献身于比自己更重要的事业。And to all the Christian families who are celebrating the Resurrection, Michelle and I wish you a blessed and joyful Easter.对所有正在欢庆基督复活的基督徒家庭,米切尔和我祝福大家复活节幸福快乐。God bless you.愿上帝保佑你们。And may God continue to bless the ed States of America.愿上帝继续庇佑美利坚合众国。201304/234732 武汉洪山区男科医生武汉市武昌医院龟头炎症



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