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Part I: How We Got Here The American financial industry was regulated from 1940 to 1980, followed by a long period of deregulation. At the end of the 1980s, a savings and loan crisis cost taxpayers about $124 billion. In the late 1990s, the financial sector had consolidated into a few giant firms. In March 2000, the Internet Stock Bubble burst because investment banks promoted Internet companies that they knew would fail, resulting in $5 trillion in investor losses. In the 1990s, derivatives became popular in the industry and added instability. Efforts to regulate derivatives were thwarted by the Commodity Futures Modernization Act of 2000, backed by several key officials. In the 2000s, the industry was dominated by five investment banks (Goldman Sachs, Morgan Stanley, Lehman Brothers, Merrill Lynch, and Bear Stearns), two financial conglomerates (Citigroup, JPMorgan Chase), three securitized insurance companies (AIG, MBIA, AMBAC) and the three rating agencies (Moody’s, Standard & Poors, Fitch). Investment banks bundled mortgages with other loans and debts into collateralized debt obligations (CDOs), which they sold to investors. Rating agencies gave many CDOs AAA ratings. Subprime loans led to predatory lending. Many home owners were given loans they could never repay. [edit]Part II: The Bubble (2001-2007) During the housing boom, the ratio of money borrowed by an investment bank versus the bank's own assets reached unprecedented levels. The credit default swap (CDS), was

Henry Mintzberg and James A. Waters Source: Strategic Management Journal, Vol. 6, No. 3 (Jul. - Sep., 1985), pp. 257-272 Published by: John Wiley & Sons Stable URL: http://www.jstor.org/stable/2486186 Accessed: 12/08/2009 04:53 Your use of the JSTOR archive indicates your acceptance of JSTOR's Terms and Conditions of Use, available at http://www.jstor.org/page/info/about/policies/terms.jsp. JSTOR's Terms and Conditions of Use provides, in part, that unless you have obtained prior…

The Entrepreneurial Failure of Eastman Kodak 16 comments, 1 called-out + Comment now Most Popular NEWSPeoplePlacesCompanies What to do for Monday, Oct 10th... +20,494 views The Top Ten Lessons Steve Jobs Taught Us +17,630 views America's Drones Have Been Infected by a Virus +13,846 views Why Apple's Amazing Siri May Herald the End of the iPhone +12,173 views How To Get Fired From HP [Infographic] +4,793 views NUTS: Apple Remembers Steve Jobs, Forges Ahead With IPhone 4S…

chineses como o perdidos na tahilandia, que foi uma reveção no último ano quando The apparent shift is helping Chinese films like “Lost in Thailand,” which was an eye-opener last year when it posted more than $200 million in ticket sales in China. It surpassed “Avatar” to become the country’s best seller in terms of total admissions (though not revenue, as “Avatar” had heavy 3-D sales at premium prices). It led a string of Chinese-language hits that outstripped Hollywood films like…

3M ™ Flexographic Plate Mounting Systems 3 1 Selection Guide Balancing solids and dots for customer satisfaction 2 4 3 Wide choice of adhesives, For halftone work where dot gain is a concern, a softer tape optimizes reproduction. When solids and dots share the plate, a combination tape can properly balance the result. When your customer requires solid ink and crisp lines, you’ll want a firm, high density mounting tape. From the wide 3M selection, you can find the…

Chicago, IL Consumer electronics manufacturers survey (combined) A. Survey The following questions have been asked of the participants: 1. What are your company's top five reasons for accepting product returns? 2. What are your company's top five reasons for disputing or denying chargebacks to your customers (retailers or distributors)? 3. What are your company's return rates (preferably calculated as a percentage of units sold) for the electric or electronic products that you are…

one of the most important aspects of business strategy. Yet it is also one of the most misunderstood. Branding is sometimes considered to be merely an advertising function. And many managers and business writers hold the view that branding is about the management of product image, a supplementary task that can be isolated from the main business of product management. This note provides an alternative perspective, arguing that: • • • • • • Branding is a strategic point of view, not a…

Gestão Travessa das Flores nº 6 2800-Setubal Dear. Gentlemen, I graduated from "técnicas de apoio á gestão" in the last November. I would like to develop skills and knowledge acquired a national company of the management area. Ouvir Ler foneticamente Dicionário - Ver dicionário detalhado As you can see in my Curriculum Vitae attached, I have some experience in several stages, including an accounting firm. Having regard to my training, I ask that consider my…

The film portrays the story of how arose the Microsoft and Apple. In the early seventies computers, called mainframes were large and were occupying great spaces. Although there were no personal computers such as those commonly found today, there was an audience eager to take advantage of this technology. Some passionate Electronics began developing prototypes of circuits which could be microcomputers. Among them we can mention the names of Steve Jobs and Steve Wozniak. There were the…

Consumerism, environment effects and solutions Work done by: Tiago Peixoto nº11 Leonardo Borges nº 9 Index Introduction: 3 What is consumerism? 4 Types of consumers 5 The buying behavior 6 Consumerism and environmental effects 7 Solutions of consumerism 8 Introduction: A series of media reports and books, such as The Green Consumer Guide, have given many people the impression that the environment can be saved if individuals are responsible in their…