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Product Name: Fat Decimator System Author Name: Kyle Cooper Bonus: Yes Official Website: CLICK HERE Add to Cart - Buy only on $17 ($20 OFF) - Click Here I decided to pick up The Fat Decimator System and go through the program myself from start to the end. Read this review to find the hidden truth! Updated with my results Hello everyone, For many years I am looking to lose ugly fat from my belly region and get better control of my life. I grew up in the family that doesn't give too much importance to healthy eating and food. My single-parent mom used to work for long hours, leaving me to prepare my food or buy something which is easy and convenient without giving importance to its ingredients. It took me many years to break this unhealthy habit of eating fast and easy food, and now I start taking care of foods that I am eating. I recently downloaded Fat Decimator System because this program is getting many positive reviews and I watched the video that seemed to be addressing issues that I faced when I was trying to lose weight. This video is an hour long that highlight some issues and problems we all are facing due to extra fat in our bodies. I've created this review to share a quick summary of all the information about this program and much more! Will The Fat Decimator System Work For Me? Unlike other weight loss programs that are either for men or women, young or adult, this program has a universal approach. Although, everyone is different but the basics of weight loss are same. This makes sense to me because I believe weight loss doesn't need to be specific to culture, age or gender. When I first looked at this program, I had lots of questions about it. I am sure you will have many of them as well. In this The Fat Decimator System review, I will try my best to answer some of the most common questions and go through what program is (and what it isn't). After reading this question if you will have any question, then you can use the comment box below or send a direct message to me through the contact form, and I will try my best to answer it as best as I can! What Is The Fat Decimator? The Fat Decimator System in an all-around approach towards weight loss that combines dieting hacks, workout plans, motivation secrets and much more to provide safe and fast weight loss. It created by Kyle Cooper for people who need little extra help to get healthy. Its goal is to make you lose weight fast and in a healthy way. What Can You Expect? The Fat Decimator System is the comprehensive program that combines lots of scientifically proven weight loss techniques like cutting down carbs, a good diet, healthy lifestyle changes, motivational secrets and much more techniques to deliver fast and safe weight loss. Many customer reviews claim this program is fast acting with some of them observing changes in their body in just 72 hours. Keep in mind, everyone is different, and it may take longer for you to see results. (You have full 60 days to try this program without any risk) With many studies and reviews done on this program, it helped some overweight individuals to lose as much as 20 pounds in just four weeks. I know losing 20 pounds in just a month seem too much for some people, but scientific studies showed losing 20 pounds in a month is possible with a good, well-balanced weight loss plan and It is REALISTIC as well. One of the reasons you may keep on failing to lose weight is, you don't have a clear-cut and proven weight loss plan to follow. When I was trying to lose weight, I usually think I am putting everything correctly, eating healthy, doing exercise regularly but at the end of the day, I was not 100% sure if I am going to lose weight or not. Once I don't see results in few weeks I think something is not correct and start looking for another weight loss plan. With The Fat Decimator System, you don't have to make your own plan, and you don't have to go-through complicated measurements, BMI calculations, calorie-counting, macro-tracking, etc. because everything laid inside this program. You will get everything you want to lose weight safely and quickly. Additionally, Kyle Cooper has created a video presentation in which he explains all features that you are going to find in this program. If you haven't watch this video then I recommend you to do so by clicking the video image below: (opens in new tab/window) Real Life Stories – Before And After Results:*I have posted more video testimonials in sidebar that I gather from internet In the video at the official website, you presented with many before and after photos of individuals who have used this program to shed unwanted pounds from their bodies. They shared their reviews on how losing weight helped them in getting control of their lives and start looking younger than their actual age. In these real-life stories, there is a story of Sharon Monroe, a 43 years, old-of-shape accountant and a mother of two who able to lose 41 pounds in few weeks to look 20 years younger than her actual age. Just look at her before and after photo… I must have this is huge transformation and it is possible as well (if you put diet and exercise in control) Don't worry… I also didn't believe it is the same girl in before and after photo when I first watch Sharon transformation. Just look at her before and after photo… Didn't she look much prettier and healthier after shedding all those ugly fat? Dealing With Hypertension, High Blood Pressure And Other Health Issues Many people shared their stories about how they able to overcome hypertension, diabetes, and other health issues by getting rid of extra fat from their bodies. These were the issues that I was concerned about when I was overweight. I realized I was less motivated to go outside, hit the beach on sunny days, interact with people and even less social with my family. Of course, I know I am not born just to pay hospital bills and die somewhere in the hospital bed blaming my health and life. I decided to take my health seriously and when I saw Kyle Cooper (the author of this program) offering 60-days money back guarantee. I take the decision right away to try this program because it was way cheaper than GYM fees and more importantly there is a money-back guarantee. What Is Included In This Program? This program contains lots of scientifically proven tips and facts that help you in losing weight and keeping yourself far away from deadly diseases. I can't share all these tips and facts in this Fat Decimator review because these are copyrighted. However, I did my best to cover some of them below: Eat High-Quality Protein: In the fitness industry, Protein is considered as the most important macronutrient for muscle building and fat loss as well. Although, there are many sources of protein in both vegetarian and non-vegetarian foods, but it is important to pick foods that provide the highest quality protein. Author has included a list of these high-quality protein foods that you can include in your diet to boost your metabolism and build your muscles so that you continue to burn fat even when your body is resting. Healthy Fats: Don't be scared of Fats as they are important for the body to keep functioning properly. Although fats contain twice more calorie than protein and carbohydrates, but they work as messengers to help protein do their jobs. Inside this book, Kyle Cooper included foods that contain healthy fats that you can include in your diet. These foods are easily available in any grocery store. Vitamins And Nutrients: This diet is made especially for soldiers. The author has provided in-depth knowledge about vitamins and minerals that keep brain sharp, focus and active all the time. Kyle shows you foods that soldiers are eating on a daily basis to remain active all the day. You can also get these vitamins and nutrients in supplement form which are not very expensive. No Low-Carb Diet: You may think this is another low-carb diet, but fortunately it is not. According to author, carbohydrates are important for the body as they provide energy. Your body needs carbohydrate to work properly. However, it is important to consume carbohydrates from the right sources and at the right amount because eating too much carbs can make the body to store them as fat. Who Created The Fat Decimator System? The fat decimator system created by Kyle Cooper, a former marine and a certified trainer who has training soldiers to get the best shape of their lives since past ten years. The Background History of Kyle Cooper And How Fat Decimator Started: In an assignment in Afghanistan, one of Kyle's team members Olsen, die when IED (Improvised Explosive Device) explored. Olsen was overweight, and he wasn't able to get out in time. Kyle blamed himself for Olsen death because he was in-charge for fitness training of this team. When Kyle was recovering from this incident, he met with Sam Pak. Sam was a Korean student and was a part of the joined UN forces. He explained Kyle it is difficult for the 30s and 40s individuals to lose weight due to a condition called metabolic acidosis. Metabolic Acidosis leads to an acidic buildup in the body which results in the weak immune system and damaged metabolism. This condition is the root cause why so many people unable to lose weight in their 30s and 40s. Thankfully, Sam gave out a list of herbs and instruction that can dissolve fat in any person over the age 30. Kyle and Sam claim that by using these herbs and instructions their clients able to lose an average 21 pounds in three weeks (that a pound of fat in a day) and get the best shape of their life. So, what it is all about? Thankfully, Kyle wasn't in the fitness industry to sell off products and make money. He just wanted a program that works for his team to get them back in best shape. The diet that he and Sam designed with these herbs is very simple to follow and based on eating foods that we are meant to be eating. The Fat Decimator system helps your body to get rid of addictive, free radicals and toxins that prevent the body from burning fat. It is designed to provide essential nutrients that body needs to flush toxins and improve energy level. Losing weight isn't that hard as it seems. All it takes a simple step-by-step plan that works on your body. And with 60-days guarantee you must try it out! This is exactly what Fat Decimator all about. What Do I like About Fat Decimator? It is a completely digital program. Some may like to read a hard copy, but I personally prefer the digital As it is very convenient to carry digital books, print it out, or transfer it to Smartphone. Additionally, if you have someone with you who like to lose weight (even a whole family), you can share digital copy with them as well. It is created for everyone. It doesn't matter if you are male or female, in your 20s or 50s, or whatever your fitness levels are, you can take help from this program and achieve your weight loss goals. It is available for instant access, in case if you decided to buy this program you can start using this program from the very next minute. It contains a digital version of the shopping list that you can carry with yourself in any grocery store. You will end up saving your time and money because you know exactly what you need. It is tested, and proven diet as many people have already used it, and they have posted their valuable positive feedbacks on different forums. This works as a great motivation to stick with this plan. Results are quick because it is a military-based diet that designed to work quickly. Warning! Fat Decimator Is Not For Everyone Unlike many reviewers claiming it to be, The Fat Decimator System is not a fad diet or a miracle cure. If you are not willing to put on your efforts, you will not lose weight with this program. You must read… It's NOT for you. However, if you are willing to put some work and you know it is not always easy to get the best shape of your life then there is good news for you! Although, The Fat Decimator System is not a miracle cure, but it is a verified, tested and proven method to lose weight. It is designed to help you in changing your unhealthy habits and provides a helping hand to avoid you from quitting. Over the time with this program – 3 weeks – you will start feeling the difference in your body. You will lose weight with this program as long as you stick with it. You can download Kyle's Fat Decimator right now, and within a few days from now, you will see the difference in your life. Your family and friends will notice a change in your life. You will have more energy, pants will fit looser, and you will feel better than ever before.

Doing business sheds light on how easy or difficult it is for a local entrepreneur to open and run a small to medium-size business when complying with relevant regulations. It measures and tracks changes in regulations affecting 10 areas in the life cycle of a business: starting a business, dealing with construction permits, getting electricity, registering property, getting credit, protecting investors, paying taxes, trading across borders, enforcing contracts and resolving insolvency. In a series of annual reports doing business presents quantitative indicators on business regulations and the protection of property rights that can be compared across 183 economies, from Afghanistan to Zimbabwe, over time. This economy profile presents the doing business indicators for Pakistan. To allow useful comparison, it also provides data for other selected economies (comparator economies) for each indicator. The data in this report are current as of June 1, 2011 (except for the paying taxes indicators, which cover the period January-December 2010).

Norwegian Agency for Development Cooperation ; This report shows how business registers employ information and communication technology (ICT) to perform their functions more efficiently while at the same time providing businesses with more user-friendly services. Particular attention is paid to achieving innovative solutions, that is, solutions using ICT as a catalyst for re-engineering the registration process to improve users experiences and to provide useful services and high-quality information for both the private and the public sectors. In addition, this analysis demonstrates that business registers play an increasingly important part in e-Government solutions. Aimed at integrating services, e-Government solutions build on information sharing. This underscores the importance of business registers as master data sources. This analysis is based on data from the following sources: a 2011 survey of 41 business registers conducted by the Bronnoysund register centre in cooperation with the World Bank Group; case studies undertaken in 2011 in the former Yugoslav Republic of Macedonia, Italy, Vietnam, and Norway; the 2011 World Bank and International Finance Corporation (IFC) doing business report; the 2011 World Bank Group study of ICT solutions in 34 company registers; the 2011 European commerce registers forum report; and the International Council On Archives (CIA) factbook.

Doing business sheds light on how easy or difficult it is for a local entrepreneur to open and run a small to medium-size business when complying with relevant regulations. It measures and tracks changes in regulations affecting 10 areas in the life cycle of a business: starting a business, dealing with construction permits, getting electricity, registering property, getting credit, protecting investors, paying taxes, trading across borders, enforcing contracts and resolving insolvency. In a series of annual reports doing business presents quantitative indicators on business regulations and the protection of property rights that can be compared across 183 economies, from Afghanistan to Zimbabwe, over time. This regional profile presents the doing business indicators for Southern African Development Community (SADC). To allow useful comparison, it also provides data for other selected economies (comparator economies) for each indicator. The data in this report are current as of June 1, 2011 (except for the paying taxes indicators, which cover the period January-December 2010).

The article analyses the state of the most popular and least popular professions and specialties in Ukraine. It's found that there are no specialties in the field of land management among them. It is also noted that at the legislative level the specialties "Land Management and Cadastre" and "Evaluation of land and real estate" were replaced by the specialty "Geodesy and land management", which belongs to the field of knowledge "Architecture and construction" (technical sciences). It is substantiated that the profession of land manager should relate to the field of knowledge of "Social and behavioural sciences". It's based on the provisions of the Law "On Land Management" and the study of world experience of the essence of the concepts of land management and land management planning (both have technical, socio-economic, legal and environmental focus).It is proved that the profession of land manager needs to be reprofiled. In this regard, there is a need to identify new specialties and specializations and add them into the state classifier DK 003: 2010. It's important to expand the training of specialists within: 1) specialty 193 "Geodesy and land management" specializations "Land Management and Land Use Administration" and "Cadastral Registrar"; 2) specialty 101 "Ecology" specialization "Land management and ecologization of landuse", 3) specialty 051 "Economics" specialization "Economics of land management and land use". It is proposed to add them to the classifier.Keywords. Profession "land manager", labour market, perspective specialties and specializations in land management, new qualifications. Formulation of the problem. The development of society at all times was associated with the arrangement of lands, which today remains the main means for the existence of mankind and a source of social wealth. The need to establish the limits disturb landowners from ancient times. This function is performed by land surveyors. When the first representatives of this profession appeared, it is certainly not known. But the land surveyor is now a profession demanded both in the village and in the city. In our country, the profession of land surveyor always respects honour because it is devoted to the invaluable treasures of Ukraine - land, which has always attached special significance.According to the research conducted in Ukraine, soon, the 10 most demanded professions include: programmers (C++, Java), food industry technologists, construction engineers, architects, designers of offices and interiors, personnel managers, recruiters, energy engineers, journalists, technologists of light industry products, financiers (specialization "banking") [1]. In addition, prospective include: hotel business managers, accountants, auditors, lawyers, marketers.According to the Ministry of Education and Science of Ukraine, according to the results of the 2017 admission, the most popular specialties among the entrants for the Bachelor in Ukraine were Philology, Law, and Management. 85 thousand, 74 thousand and 59 thousand applications have been filed for the stated above specialties respectively. In addition, among the leaders are "Medicine", "Computer Science", "Tourism", "Secondary Education", "Psychology", "Economics". These specialties were desirable to enter by 40 to 46 thousand of entrants. The last step in the TOP-10 was "Software Engineering" with the result of 33 thousand applications (Fig. 1) [9]. Despite the stated above facts, it has been revealed that such specialties as "Law", "Management", "Tourism" and "Economics" remain among the most popular among entrants even though they are not in demand in the labour market. At the same time, the high levels in the ranking are occupied by important for the economy specialties, such as "Computer Science" and "Software Engineering". The least popular specialties are (fig. 2) "Theology" (185 applications excluding spiritual higher educational institutions) and "Hydropower" (193 applications for entry).However, specialties for the preparation of a specialist in land management are absent among the most and least popular. Therefore, with a caution we have to perceive the situation.The list of required occupations in the labour market is changing. Focus magazine has ranked the professions that will be promising in 5-10 years [10]. Before allocating the most promising specialties, the publication together with experts identified the areas of the economy that will actively develop in the near future. So, at first there was a list of 40 spheres of the economy, which, according to Focus, will successfully develop in the next 5-10 years. Experts evaluated the prospects for the development of these industries on a 10-point scale, giving each sector a mark from 1 to 10 points. At the same time, each expert could add to the list the industry that was not among the 40 listed, but whose potential he considers rather large.According to the obtained data, the rating of 15 most promising industries has been designed, and include: information technologies, telecommunications and communications, agriculture, pharmaceutical production and pharmacy business, banking, frying and processing industry, transport services, financial services, legal services, household services, metallurgy, alcohol production, energy, livestock, utilities.So, the 20 most promising professions of the next decade will be the following: the seller, the IT specialist, the automation engineer, the marketer, the municipal services engineer, the aeroengineer, the technologist in the production and processing of food products, the technologist of consumer services, logistics, the lawyer (economic and land law), power engineer veterinarian, pharmacologist, financier, communication engineer, practical psychologist, geneticist, biochemist, robotic technician, nanoengineer.In addition, agrarian countries are actively developing organic and farm farming. This will require the involvement of a large number of employees who are able to work on the ground - and thus, forms a serious niche. In general, the labour market trends in the coming years can be reduced to nine main directions [5]: engineers, IT specialists, nanotechnology specialists, marketers, service providers, logistics, environmentalists, chemists, and physicians.The Resolution of the Cabinet of Ministers of Ukraine dated December 30, 2015, No. 1187, approved new Licensing conditions for the conduct of educational activities [7] concerning the further conduct of educational and scientific work in educational institutions. By the order of the Ministry of Education and Science dated November 6, 2015, No. 1151 "On the peculiarities of the introduction of the list of branches of knowledge and specialties [6], which are the training of applicants for higher education, approved by the Cabinet of Ministers of Ukraine from April 29, 2015, No. 266" [8] approved Table of correspondence List of directions for training of specialists in higher educational establishments for the educational-qualifying level of bachelor (List 1), List of specialties, which was carried out training of specialists in higher education institutions for educational and qualification levels of a specialist and a master's degree (List 2).In the stated above Resolution, it is defined that instead of the specialties "Land Management and Cadastre" and "Land and Real Estate Valuation" – the specialty "Geodesy and Land Management" is established. The latter belongs to the field of knowledge "Architecture and Construction", which belongs to the technical sciences.At the same time, the Law of Ukraine "On Land Management" stipulates that land management is a set of socio-economic and environmental measures aimed at regulating land relations and rational organization of the territory of administrative-territorial units, economic entities carried out under the influence of social and productive relations and development of productive forces [2]. The same law (Article 1) stipulates that activities in the field of land management are the scientific, technical, production and management activities of state authorities, local governments, legal entities and individuals, which is carried out under land management. Land-use documentation (land management documentation) is the text and graphic materials approved in accordance with the established procedure, which regulate the use and protection of lands of state, communal and private property, as well as survey and land survey materials, author's supervision of project implementation, etc. Measures on land management – provided by documentation on land management on the rational use and protection of land, the formation and organization of the territory of the object of land management, taking into account their purpose, restrictions on the use and restrictions (encumbrances) on the rights of other persons (land servitudes), preservation and increase of fertility soils.This is evidence that the profession of land surveyor is more likely to belong to the field of knowledge of "Social and behavioural sciences" than to "Architecture and construction". Architecture (Greek αρχιτεκτονικη - construction) is both a science and the art of designing buildings, as well as a system of buildings and structures that form a spatial environment for the lives and activities of people in accordance with the laws of beauty. Land management, as stated in the Law of Ukraine "On Land Management" – a set of socio-economic and environmental measures aimed at regulating land relations and rational organization of the territory of administrative-territorial entities and economic entities on the ground.As the research of A.M. Tretiak and V.M. Tretiak shows, the concept and essence of land management has both a technical direction and socio-economic, legal and environmental.Land managers have worked and work in the structural subdivisions of the State Committee for Land Resources of Ukraine, the State Land Agency of Ukraine and the State Audit Office of Ukraine, state authorities and local self-government bodies, and ministries (where there are departments of land resources); in public and private design and valuation companies, real estate firms, agroholdings, agricultural enterprises; territorial communities, scientific institutions, institutions of legal direction. civic organizations.The land manager learns not only his professional knowledge, but also legal and natural sciences. For a profession it is necessary to have mathematical abilities, engineering approach, spatial imagination, ability to understand the legislation. The profession is extremely interesting and creative, which requires the ability to make informed decisions, communicate with people, requires care, clarity and responsibility. To become a successful specialist in this field, you need to be persistent, self-confident, active, have a well-developed intuition and logical thinking.According to the classification of professions, the professional activity of the land manager relates to professions such as "human-nature". To date, the land manager must have a higher education in the field of "Architecture and Construction" from the specialty "Geodesy and Land Management", according to the educational qualification level: a junior specialist, a bachelor's or a master's degree.Currently, land managers use modern equipment in their work: electronic instruments; new technologies of geographic information systems. Significant problems arise when making managerial decisions due to the imperfection of the regulatory framework - when three different land managers can have three different views on the same issue. At the same time, for professionals it is extremely important to come to a joint decision. But how can the problems of legislation be explained to an ordinary peasant? It's a shame when you can not help a person in solving his question, and even more - when you do not know how to explain the impossibility of solving a particular problem. The disadvantage of the profession is also that there is little free time for personal life, family and wage mismatch in modern times. The advantages include: work is interesting, lots of communication, new knowledge in land law, and more.At the same time, we consider it necessary to stay on the proposals of A. Martyn outlined in the scientific paper "Directions of adaptation of the content of land management education to the needs of the national and world economy" [3], where he publishes "bad news" for land management education – whether we are ready for them? He states: "Most of our graduates will not develop landuse documentation at all; the number of jobs in the industry is quite limited; the overwhelming part of the "modern" Ukrainian land management is a terrible mix of fairly archaic rules, a crazy bureaucracy and meaningless rituals, in order to master the development of primitive land management documentation, it takes 2-3 weeks of practical training, but not 5 years at the university, and a significant part of cadastral registrar are lawyers.Some of these reservations agreeable. Therefore, his thoughts emphasize once again the need for serious changes in the training of land management specialists.Thus, all of the above stipulates the need for changes in the classification of occupations DK 003: 2010 and the definition of new specialties and specialization training of land management specialists.In our opinion, it is expedient to extend the training of specialists in land surveying in the following areas: 1) specialty 193 "Geodesy and land management" of the specializations "Land Management and Land Use Administration" and "Cadastral Registrar"; 2) specialty 101 "Ecology" specialization "Land management and ecologization of land use"; 3) specialty 051 "Economics" specialization "Economics of land management and land use".At the same time, we consider it expedient to add the following qualifications to the classifier of professions DK 003: 2010: in section 8 "Main specialists – heads of scientific research units and subdivisions on scientific and technical preparation of production and other managers" – Chief land surveyor; in section 14 "Managers of enterprises, institutions, organizations and their subdivisions" – Manager of land management, Manager in the field of operations with land, Manager in the field of research in the land market; in section 25 "Agronomists, hydraulic engineering, forest managers and professionals of related professions" – Land manager; in section 33 "Assistant veterinarians, junior specialists in agronomy, forestry, water management and nature conservation" – Land Resources Inspector; in section 34 "Other technical specialists in the field of management" – State Inspector for the use and protection of land; in section 249 "Professionals not included in other classification groups". Land manager-ecologist, Land manager-designer.Conclusions.Summing up, we note that the assignment of the specialty "Geodesy and land management" to the field of knowledge "Architecture and Construction" (engineering science) does not comply with the provisions of the Law "On Land Management", the study of world experience of the essence of the concepts of land management, which determined that they are inherent in technical, as well as socio-economic, legal and environmental trends. In this connection it is proved that the profession of land manager belongs to the field of knowledge of "Social and behavioral sciences".In view of this, the need for re-engineering the directions of land management training is urgent. Therefore, we must work ahead and make changes to the classification of professions DK 003: 2010 regarding the definition of new specialties and specialization training of specialists in land management. We consider it expedient to expand the training of specialists within: 1) specialty 193 "Geodesy and land management" of the specialties "Land Management and Land Use Administration" and "Cadastral Registrar"; 2) specialty 101 "Ecology" specialization "Land management and ecologization of land use"; 3) specialty 051 "Economics" specialization "Economics of land management and land use" (qualification "Land Management Manager"). It is proposed to make changes to the list of qualifications. ; У пропонованій статті проаналізовано стан найзатребуваніших і найменш популярних професій, спеціальностей в Україні та виявлено, що спеціальності для підготовки фахівців землевпорядного профілю серед них відсутні. Також відзначено, що на законодавчому рівні спеціальності «Землеустрій та кадастр», «Оцінка землі та нерухомого майна» з підготовки зазначених фахівців замінено на спеціальність «Геодезія та землеустрій», яку віднесено до галузі знань «Архітектура та будівництво» (технічні науки). Обґрунтовано, що професія землевпорядника має відноситись до галузі знань «Соціальних та поведінкових наук», підставою чого слугували положення ЗУ «Про землеустрій» та дослідження світового досвіду сутності понять землеустрою і землевпорядкування (мають як технічне, так і соціально-економічне, правове й екологічне спрямування). Доведено, що професія землевпорядника потребує перепрофілювання. У цьому зв'язку існує необхідність у визначенні нових спеціальностей і спеціалізацій та внесенні їх до класифікатора професій ДК 003:2010. Вказано на доцільність розширення підготовки фахівців в межах: 1) спеціальності 193 «Геодезія та землеустрій» спеціалізацій «Землеустрій та адміністрування землекористування» і «Кадастровий реєстратор»; 2) спеціальності 101 «Екологія» спеціалізації «Землевпорядкування та екологізація землекористування», 3) спеціальності 051 «Економіка» спеціалізації «Економіка землевпорядкування та землекористування». Запропоновано внести до класифікатора й перелік нових кваліфікацій.Ключові слова. Професія «землевпорядник», ринок праці, перспективні спеціальності та спеціалізації у сфері землевпорядкування,нові кваліфікації.

This is the final consolidated report of an extensive program to assess the financial performance and capacity building needs of the UPK Revolving Loan Funds under the PNPM Mandiri project. As explained in the report, the assessment program covered 508 rural and urban UPKs in the provinces of Central Java, Yogyakarta, Nusa Tenggara Timor and West Sumatra. The aim was to cover 30 percent of rural UPK RLFs in these four provinces and 10 percent of the urban UPKs in order to establish the achievements and determine areas of improvement to enable these UPKs to provide a better service to the low income families in their operational areas. This report covers all 267 rural UPK RLFs and 241 urban UPKs identified for the purpose in the four provinces.

This is an initial report of the International Organization of Securities Commissions (IOSCO) assessment performed in 2010 as part of the financial sector assessment program (FSAP) of China. The assessment was prepared on the basis of a self-assessment prepared by the China Securities Regulatory Commission (CSRC), public information contained on the CSRC website and the websites of other entities in China, and a review of relevant Chinese laws and regulations. The timely completion of this assessment was greatly facilitated by the cooperation provided by numerous members of the staff of the CSRC. The CSRC has broad regulatory authority over the stock and futures exchanges, the China Securities Depository and Clearing Corporation Limited (SD and C) and other clearing and settlement institutions, securities companies, futures companies, and collective investment scheme (CIS) operators. This paper is divided into two parts. The first part gives summary, key findings, and recommendations. It is further divided into following six parts: (i) introduction; (ii) information and methodology used for assessment; (iii) institutional and market structure- overview; (iv) preconditions for effective securities regulation; (v) key findings; and (vi) recommended action plan and authorities' response. The second part gives tabular detailed assessment.

Economía solidaria, un concepto para muchos desconocido, pues el término solidario pareciera ajeno dentro de un marco económico competitivo como se observa en la cúpula del capitalismo y de la misma globalización en sí, sin embargo, es importante rescatar su fundamento, pues en ella encontramos la capacidad de proveer de manera sostenible las bases para un desarrollo personal y social, en palabras de Gazaga, (2007), "El fundamento de la economía solidaria es la introducción de niveles crecientes de cooperación y solidaridad en las actividades, organizaciones e instituciones económicas, de manera de generar un conjunto de beneficios sociales y culturales que trasciendan la esfera del beneficio económico y favorezcan a la sociedad en su conjunto". Sin embargo, una alternativa para hallar formas de desarrollo económico dentro de una comunidad específica, obteniendo beneficios para la sociedad en general, es un sector que hoy por hoy se encuentra en crisis, así lo menciona un estudio realizado por el diario EL TIEMPO (1998), donde destaco diversas situaciones atribuibles a la crisis como: El recelo por las continuas intervenciones en el sector cooperativo y la racha de malas informaciones ha logrado contagiar el pánico no sólo a los ahorradores sino a otras entidades de sector financiero que no quieren dar créditos ni otorgar respaldo a las cooperativas. En segunda instancia las corporaciones financieras se niegan a respaldarlos con créditos, el sector público no quiere realizar inversiones en sus oficinas, las aseguradoras tienen recelo a respaldar su actividad y como si fuera poco los socios y ahorradores están retirando sus depósitos. Tal es el caso de Estraval y su colapso financiero, que evidencia no solo lo destacado por el estudio en mención, sino diversas dificultades que han generado una gran desconfianza por parte de los ahorradores al sector en sí; no obstante, es un medio que pese a sus dificultades cuenta con principios fundamentales para propinar por un mejor desarrollo económico dentro de nuestra sociedad, tan es así que una de las características más distinguidas de la Economía Solidaria la de demostrar con hechos que es posible y necesario incorporar la solidaridad como un elemento esencial a la hora de medir el comportamiento económico de una organización. Ahora bien, estas razones son algunas de las que se presentan en la Cooperativa Multiactiva de la Universidad Libre Librecoop Ltda., por lo cual se decidió realizar un trabajo de intervención centrado en la construcción de un plan de desarrollo que permita la mejora continua de la cooperativa y así mismo contribuya al mejoramiento permanente y la consolidación de unas estrategias que conlleven a la sostenibilidad económica y cumplimiento de la misión organizacional de esta. Con el fin de lograr cumplir los objetivos planteados en este trabajo de intervención se toma como punto de partida un estudio interno y externo que logre contribuir de forma eficaz a la solución de las problemáticas mencionadas anteriormente. Merino (2013), mencionaba que "El plan de desarrollo es una herramienta de gestión que promueve el desarrollo social en un determinado territorio. De esta manera, sienta las bases para atender las necesidades insatisfechas de la población y para mejorar la calidad de vida de todos los ciudadanos". Y a su vez Escobar (2005), dejaba en claro que "La intención principal del trabajo es demostrar las inquietudes que surgen por parte de los trabajadores asociados en las organizaciones de economía solidaria con la idea clave de una mayor productividad basado en la eficiencia y eficacia para un plan de ahorro" Así las cosas, frente a la problemática que posee Librecoop se desarrolló un proceso de evaluación donde se tuvo en cuenta, en principio la legislación y su evolución en la historia por medio de las reformas que surgieron a partir del modelo de economía, de ahí se encontraron ligerezas en cuanto a: la aplicación de las normas, la cantidad de asociados, los aportes de los mismos y finalmente la aplicabilidad de los principios y fines solidarios; estos últimos con mayor observancia pues la estructura principal de este tipo de sociedades debe tener como objetivo el buen desempeño de las actividades que se desarrollan dentro de ella, así lo mencionan los artículos 4 y 5 del Capítulo segundo de la Ley 454 de 1998. En consecuencia, con lo anterior, se ha determinado que el interés del presente proyecto de intervención se centra en puntualizar los siguientes asuntos a saber desde el entorno actual de la cooperativa: Primeramente, desplegar un proceso de capacitación a todos los asociados de la cooperativa, en el cual se enfatice la importancia de la economía solidaria en nuestra sociedad actual, esto con el fin de incentivar al individuo para la contribución del buen desarrollo de la calidad de vida de las personas que conforman o quieran hacerse parte de la cooperativa. En segundo lugar, se propone una actualización estatutaria de la entidad donde se pueda ampliar el ingreso de nuevos asociados dispuestos a crecer dentro de la misma y que deseen obtener todos los beneficios que la cooperativa tiene para sus asociados. En un último momento se plantea un mejoramiento en la oferta de créditos, servicios y los nuevos productos de la organización. Para lograr el cumplimiento de estos mismos se posee un conocimiento claro y un apoyo oportuno en el cual, por medio de nuevas y modernas capacitaciones de formación y acompañamiento se instruirá a los asociados en los procesos administrativos se busca que la Cooperativa conozca de la mejor manera y clara la importancia de la economía solidaria en nuestra sociedad y mejore la calidad de vida de sus integrantes realizando una gestión de proyección, actualización y organización de la misma. Los talleres que se realizan para cumplir los objetivos que se establecieron son las siguientes: Primero se realiza una mesa de trabajo de reconocimiento de la entidad, se plantean una serie de preguntas al representante legal, contador, revisor fiscal y secretaria, donde por medio de la información que se recopila se realiza un estudio para saber en qué estado esta Librecoop. Segundo se hace una reunión con la secretaria Alejandra Patiño donde se le pide ampliación de la información de la entidad y nos suministra documentación de Librecoop como: los estatutos, los estados financieros, cámara de comercio, Rut y requerimiento impuesto por la Súper Solidaria. Tercero se realizan unos estatutos para la cooperativa Multiactiva libre, actualizados y basados en la norma vigente. Cuarto y por último se desarrolla una cartilla con los parámetros de cambio de la entidad como lo son: cambio de estatutos, implementación de cronogramas de actividades y créditos. Con la aplicabilidad de estos últimos se logra presentar un factor de mejora, debido a que son de real importancia para el funcionamiento de las cooperativas, pues si bien a través del desarrollo de actividades fundamentadas en los principios y fines solidarios se demuestra el fortalecimiento económico que trae consigo el esfuerzo mutuo de las personas en donde cada uno de ellos se desempeña como líderes o gestores, partiendo de una idea de acción común con el fin de formar un espacio socio económico sostenible. ; Solidarity economy, a concept for many unknown, because the term solidarity seems alien within a competitive economic framework as seen in the dome of capitalism and globalization itself, however, it is important to rescue its foundation, because in it we find the ability to sustainably provide the basis for personal and social development, in the words of Gazaga, (2007), "The foundation of solidarity economy is the introduction of increasing levels of cooperation and solidarity in economic activities, organizations and institutions , in order to generate a set of social and cultural benefits that transcend the sphere of economic benefit and favor society as a whole ". However, an alternative to find forms of economic development within a specific community, obtaining benefits for society in general, is a sector that is currently in crisis, as mentioned in a study by the newspaper EL TIEMPO (1998). ), where I highlight various situations attributable to the crisis, such as: The mistrust of the continuous interventions in the cooperative sector and the run of bad information has managed to spread the panic not only to the savers but to other entities of the financial sector that do not want to give credits or grant support to the cooperatives. Secondly, the financial corporations refuse to back them with credits, the public sector does not want to make investments in their offices, the insurers are hesitant to support their activity and, as if that were not enough, the partners and savers are withdrawing their deposits. Such is the case of Estraval and its financial collapse, which evidences not only the highlighted by the study in mention, but diverse difficulties that have generated a great distrust on the part of the savers to the sector in himself; nevertheless, it is a medium that, despite its difficulties, has fundamental principles to guide for a better economic development within our society, so much so that one of the most distinguished characteristics of the Solidarity Economy is to demonstrate nuestra sociedad y mejore la calidad de vida de sus integrantes realizando una gestión de proyección, actualización y organización de la misma. Los talleres que se realizan para cumplir los objetivos que se establecieron son las siguientes: Primero se realiza una mesa de trabajo de reconocimiento de la entidad, se plantean una serie de preguntas al representante legal, contador, revisor fiscal y secretaria, donde por medio de la información que se recopila se realiza un estudio para saber en qué estado esta Librecoop. Segundo se hace una reunión con la secretaria Alejandra Patiño donde se le pide ampliación de la información de la entidad y nos suministra documentación de Librecoop como: los estatutos, los estados financieros, cámara de comercio, Rut y requerimiento impuesto por la Súper Solidaria. Tercero se realizan unos estatutos para la cooperativa Multiactiva libre, actualizados y basados en la norma vigente. Cuarto y por último se desarrolla una cartilla con los parámetros de cambio de la entidad como lo son: cambio de estatutos, implementación de cronogramas de actividades y créditos. Con la aplicabilidad de estos últimos se logra presentar un factor de mejora, debido a que son de real importancia para el funcionamiento de las cooperativas, pues si bien a través del desarrollo de actividades fundamentadas en los principios y fines solidarios se demuestra el fortalecimiento económico que trae consigo el esfuerzo mutuo de las personas en donde cada uno de ellos se desempeña como líderes o gestores, partiendo de una idea de acción común con el fin de formar un espacio socioeconómico sostenible. with facts that it is possible and It is necessary to incorporate solidarity as an essential element when measuring the economic behavior of an organization. However, these reasons are some of those presented in the Cooperativa Multiactiva of the Libre Librecoop Ltda. University, for which it was decided to carry out an intervention work focused on the construction of a development plan that allows the continuous improvement of the cooperative and likewise contribute to the permanent improvement and consolidation of strategies that lead to economic sustainability and compliance with the organizational mission of this. In order to achieve the objectives set out in this intervention work, an internal and external study that contributes effectively to the solution of the aforementioned problems is taken as the starting point. Merino (2013), mentioned that "The development plan is a management tool that promotes social development in a given territory. In this way, it lays the foundations to address the unmet needs of the population and to improve the quality of life of all citizens. " And in turn Escobar (2005), made it clear that "The main intention of the work is to demonstrate the concerns that arise from part of the workers associated in solidarity economy organizations with the key idea of higher productivity based on efficiency and effectiveness for a savings plan" Thus, in the face of the problems that Librecoop has, an evaluation process was developed which took into account, in principle, the legislation and its evolution in history through the reforms that emerged from the economic model, hence the they found lightness in terms of: the application of the rules, the number of associates, the contributions of the same and finally the applicability of the principles and solidarity goals; the latter with greater observance because the main structure of this type of company should have as its objective the good performance of the activities that take place within it, as mentioned in articles 4 and 5 of Chapter Two of Law 454 of 1998. Consequently, with the above, it has been determined that the interest of the present intervention project focuses on specifying the following issues to know from the current environment of the cooperative: Firstly, to develop a training process for all members of the cooperative, which emphasizes the importance of solidarity economy in our current society, this in order to encourage the individual to contribute to the good development of the quality of life of the people that make up or want to become part of the cooperative. Secondly, a statutory update of the entity is proposed, where it is possible to expand the income of new members willing to grow within it and who wish to obtain all the benefits that the cooperative has for its associates At a last moment, there is an improvement in the offer of credits, services and new products of the organization. To achieve compliance with these, there is a clear knowledge and timely support in which, through new and modern training and accompaniment training, the associates will be instructed in the administrative processes, so that the Cooperative knows the best way and clear the importance of solidarity economy in our society and improve the quality of life of its members by managing projection, updating and organization of it. The workshops that are carried out to fulfill the objectives that were established are the following: First, a recognition desk of the entity is made, a series of questions are posed to the legal representative, accountant, fiscal auditor and secretary, where through the information that is collected a study is made to know in which state is Librecoop . Descriptores / Palabras Claves • Economía solidaria • Cooperativas • Intervención acción participativa • Estatutos • Plan de desarrollo • Sector solidario Conclusiones Se realizó un estudio interno y externo donde se llegaron a las siguientes conclusiones: 1. Se sugiere estudiar y evaluar los estatutos suministrados por el grupo de monitores solidarios para su verificación y posterior aplicación a la entidad encaminados en relación a su objeto social. 2. Se requiere de una amplia capacitación al personal activo, pues el desconocimiento del debido manejo de este tipo de entidades por parte de los empleados, no ha permitido un efectivo cumplimiento en el marco normativo que los rige y a su vez a obstruido el crecimiento financiero de la entidad. 3. Convocar a una asamblea extraordinarias a todos los asociados para hacerlos participes tanto de las dificultades como de las necesidades de la entidad, y así hallar un consenso más efectivo en los cambios que la Cooperativa requiere. 4. Hacer entrega tanto a los empleados como a los asociados de la entidad de un plan de desarrollo del manejo de las sociedades solidarias, así como suministrar las estrategias para su respectivo desarrollo. Second a meeting is made with the secretary Alejandra Patiño where she is asked to expand the information of the entity and provides us with Librecoop documentation such as: the statutes, the financial statements, the Chamber of Commerce, Rut and the requirement imposed by the Super Solidarity.Third, bylaws are made for the free Multiactiva cooperative, updated and based on the current norm. Fourth and finally a booklet is developed with the parameters of change of the entity as they are: change of statutes, implementation of schedules of activities and credits With the applicability of the latter, it is possible to present a factor of improvement, because they are of real importance for the operation of the cooperatives, because although through the development of activities based on the principles and aims of solidarity, the economic strengthening is demonstrated. It brings with it the mutual effort of the people where each of them works as leaders or managers, based on an idea of common action in order to form a sustainable socio-economic space. ; 1. Descripción de la organización. -- 2. Cuadro de caracterización.-- 3. Resumen.-- 4. Justificación.-- 5. Objetivos.-- 6. Objetivo.-- 7. General.-- 8. Objetivos específicos.-- 9. Marco teórico.-- 10. Metodología.-- 11. Proceso de intervención y desarrollo del proyecto.-- 12. Indicadores, análisis y resultados del proyecto.-- 13. Impacto de la organización.-- 14. Plan de acción.-- 15. Cronograma.-- 16. Conclusiones.-- 17. Recomendaciones.-- 18. Referencias.

The Public Investment Management (PIM) efficiency review is intended to support the Government of Zimbabwe, and in particular the Ministry of Finance, in its efforts to strengthen the efficiency of the public investment system, with the goal of improving the creation, operation and maintenance of public sector capital assets that support service delivery and economic growth. The problems of public investment management are not merely financial but systemic. Budget execution deficit remains a major bottleneck. Due to large backlogs across sectors, capital budget allocation has prioritized completion and rehabilitation of on-going and stalled projects and programs. Currently, public investment projects are mainly financed by the national budget. Regulatory frameworks for public-private partnerships are in place, but sluggish recovery from the private sector has not made it a notable source of financing for capital projects. Foreign loans and grants, and humanitarian aid from donors are not channeled through the official budget. This report is intended to provide the basis for a follow-on discussion with government on possible options and approaches to addressing the identified problems, focusing on those which are the most critical to Zimbabwe's economic recovery and long term development. It is complementary to the action plan, also developed by the team for consideration by the Government of Zimbabwe, which suggests a list of reform actions over the immediate to medium-term to strengthen the regulatory framework and build capacity across central and implementing agencies. The objective of the policy note is to support the Government of Zimbabwe to strengthen the efficiency of PIM system, with an ultimate goal of contributing to improved governance, service delivery, and economic growth. The study will inform a reform and capacity strengthening action plan with the Government as well as subsequent Bank's proposed technical assistance program to strengthen the PIM.

Regulation and supervision of China's banking system has made impressive progress in the past few years, led by an activist, forward-looking regulator China Banking Regulatory Commission (CBRC), with a clear safety and soundness mandate that has been supported by banks and by the State. Less than fully compliant ratings in certain areas in this assessment generally reflect deficiencies in the legal framework, which can be amended, or that banks have yet to fully implement CBRC guidance. This assessment of the current state of the implementation of the Basel Core Principles for Effective Banking Supervision (BCP) in China has been completed as part of a Financial Sector Assessment Program (FSAP) undertaken jointly by the International Monetary Fund (IMF) and the World Bank between June 7 and June 25, 2010, and reflects the regulatory and supervisory framework in place as of the date of the completion of the assessment.

This research aims to know the potential effect of Intellectual Capital Performance (ICP) to the intensity of Intellectual Capital Disclosure (ICD). The independent variables used in this research are the components of ICP that consists of Value Added Human Capital (VAHU), Value Added Capital Employed (VACA), and Structural Capital Value Added (SCVA) that is measured by using the Value Added Intellectual Coefficient (VAIC™). While, the dependent variable used in this research is ICD that measured by a disclosure index and relevant scoring system. Company size and leverage are also used in the regression model as moderating variables. One year annual reports (2017) of banking sector companies registered on the Indonesia Stock Exchange (IDX) are analyzed in quantitative research type. The samples that listed on the IDX in 2017 are selected by using purposive sampling method with certain criteria and 33 banking sector companies are obtained. The analysis is made by multiple regression analysis and the data testing is conducted by using SPSS 22 and Eviews 9 which previously has been carried out the classic assumption test first. Results of this study indicate that: (1) Simultaneously, ICP component significantly affect ICD. However, each component of VAHU and SCVA does not significantly affect the ICD, only VACA significantly affects the ICD; (2) Simultaneously, with the moderation of company size, ICP does not significantly affect the ICD. Similarly, each component of VAHU, VACA and SCVA does not significantly affect ICD; and (3) Simultaneously, with the moderation of company leverage, ICP significantly affects ICD. 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Edward Murphy, July 20, 2013 ; Business at the Crossroads - Ogden City is a project to collect oral histories related to changes in the Ogden business district since World War II. From the 1870s to World War II, Ogden was a major railroad town, with nine rail systems. With both east-west and north-south rail lines, business and commercial houses flourished as Ogden became a shipping and commerce hub. ; The following is an oral history interview with Edward Murphy. The interview was conducted on July 20, 2013, by Melissa Johnson. Edward discusses his experiences with 25th Street. ; 15p.; 29cm.; 2 bound transcripts; 4 file folders. 1 videodisc: digital; 4 3/4 in. ; Oral History Program Edward S. Murphy Interviewed by Melissa Johnson 20 July 2013 Oral History Program Weber State University Stewart Library Ogden, Utah Edward S. Murphy Interviewed by Melissa Johnson 20 July 2013 Copyright © 2014 by Weber State University, Stewart Library Mission Statement The Oral History Program of the Stewart Library was created to preserve the institutional history of Weber State University and the Davis, Ogden and Weber County communities. By conducting carefully researched, recorded, and transcribed interviews, the Oral History Program creates archival oral histories intended for the widest possible use. Interviews are conducted with the goal of eliciting from each participant a full and accurate account of events. The interviews are transcribed, edited for accuracy and clarity, and reviewed by the interviewees (as available), who are encouraged to augment or correct their spoken words. The reviewed and corrected transcripts are indexed, printed, and bound with photographs and illustrative materials as available. Archival copies are placed in Special Collections. The Stewart Library also houses the original recording so researchers can gain a sense of the interviewee's voice and intonations. Project Description Business at the Crossroads - Ogden City is a project to collect oral histories related to changes in the Ogden business district since World War II. From the 1870s to World War II, Ogden was a major railroad town, with nine rail systems. With both east-west and north-south rail lines, business and commercial houses flourished as Ogden became a shipping and commerce hub. After World War II, the railroad business declined. Some government agencies and businesses related to the defense industry continued to gravitate to Ogden after the war—including the Internal Revenue Regional Center, the Marquardt Corporation, Boeing Corporation, Volvo-White Truck Corporation, Morton-Thiokol, and several other smaller operations. However, the economy became more service oriented, with small businesses developing that appealed to changing demographics, including the growing Hispanic population. ____________________________________ Oral history is a method of collecting historical information through recorded interviews between a narrator with firsthand knowledge of historically significant events and a well-informed interviewer, with the goal of preserving substantive additions to the historical record. Because it is primary material, oral history is not intended to present the final, verified, or complete narrative of events. It is a spoken account. It reflects personal opinion offered by the interviewee in response to questioning, and as such it is partisan, deeply involved, and irreplaceable. ____________________________________ Rights Management Special Collections All literary rights in the manuscript, including the right to publish, are reserved to the Stewart Library of Weber State University. No part of the manuscript may be published without the written permission of the University Librarian. Requests for permission to publish should be addressed to the Administration Office, Stewart Library, Weber State University, Ogden, Utah, 84408. The request should include identification of the specific item and identification of the user. It is recommended that this oral history be cited as follows: Murphy, Edward, an oral history by Melissa Johnson, 20 July 2013 , WSU Stewart Library Oral History Program, Special Collections, Stewart Library, Weber State University, Ogden, UT. iii Edward Murphy July 20, 2013 Abstract: The following is an oral history interview with Edward Murphy. The interview was conducted on July 20, 2013, by Melissa Johnson. Edward discusses his experiences with 25th Street. MJ: This is Melissa Johnson and I am in the home of Edward Murphy in Layton, Utah. It is July 20, 2013 and we are interviewing him as a part of our Business at the Crossroads oral history project. Why don't you tell us a little bit about when and where you were born? EM: I was born in 1925 in Ogden, Utah. I was brought home to a loving mother, father, brother and grandfather. When I turned six-years-old in 1932, my grandfather died. In the morning, I awakened and asked my mother, "Where's Grandpa?" She said, "Grandpa's gone to heaven." I found out shortly later that he died of pneumonia. Two years later, my father died. I miss those two men very much and have missed them all my life. They loved and cared for me. Soon after my grandfather died, my other grandfather, on my mother's side, took me under his wing and brought me to his Indian trading post known as the Indian Curio Shop. Here I worked during the tourist season. The first thing I'd do was sweep the sidewalk, and in those days people were not as tidy as they are now and the sidewalk really needed sweeping. I then mopped the floor in the shop and washed the windows and the counters. I waited on customers as the tourists came into the store. Later, I would run errands until about 10 a.m. and then I would go home. In the evenings, I would return at 6 p.m. and work until 8 1 p.m. waiting on customers. This would last until September when I would return to school. I lived about six blocks from the store on Washington Blvd. My mother bought me a bicycle so that I could get to work sooner. My grandfather was very good to me. He would pay me 50 cents a day if business was good and occasionally he would take me to a movie. It was usually at the Egyptian Theater in Ogden. Before we went to the movie, he would take me into Keely's Café and we always had limeade. It became a routine. Often during the day, he would take me to the shooting gallery on 25th Street. He taught me how to shoot a rifle and then he would take me to one of the restaurants on 25th Street. There was the City Café, the Senate Café, Ross and Jacks and a Chinese place that is still there. I enjoyed my grandfather's company and the interesting people that we would meet. At this time, Ogden was called the Junction City and it was equidistant from the major cities of the West Coast: approximately 800 miles to Los Angeles, 800 miles to San Francisco and the same distance to Portland, Oregon. People at this intersection would have layovers ranging from three hours to sometimes all day. They would have time to come to this immensely interesting store that my grandfather established. During the day the Indian women would come in and buy their beads. It was my job to sell them the beads. On one side of the store were the cheap souvenirs, beads, and a few inexpensive items. On the opposite side of the store, my grandfather sold the products of the Indians such as the beaded gloves, purses, genuine Indian jewelry, baskets and rugs, and all the items that commanded higher prices. He also had a vast array of interesting 2 items that he collected in the West. We had an abundant supply of fossil fish from Kemmerer, Wyoming. We had woven blankets from Southwest Utah and Arizona. We had Apache baskets and pottery from the Zuni tribe in Arizona. We had moss agate rings made by white men from Montana. We had horse hair belts and leather belts made from prisons in Montana. My grandfather always wore a dark suit, white shirt and a tie, and was distinguished and also educated. He had a degree in accounting from the Valparaiso in Illinois. He came to Utah in the latter part of the 19th century from Colorado where he was employed as the accountant for the superintendent of mines, who later became my grandfather's father-in-law. He married the boss' daughter, which turned out to be an advantage because it was his father-in-law who gave him the money to set up the business. After my great-grandfather retired, my grandfather was en route to San Francisco to begin a new life when they stopped in Ogden for the birth of my mother. In their brief stay, they came to like it and negotiated with my other grandfather to set up a business in his building, which he did, and the work lasted a lifetime. In off season, when the tourist trade would decline, my grandfather would go on buying trips throughout the West. He would collect petrified logs from Arizona, which wasn't illegal at the time. We gathered obsidian from Yellowstone Park and buffalo horns which would be polished. We had copper souvenirs from Bingham Canyon in Utah. We had older guns and he had an array of rifles and pistols. 3 My experience occurred during the Depression and at that time people would sell their valuables to buy bread to live. There were always rich people to buy things; it was the rich people that traveled on the train. One of the interesting things I liked about working with my grandfather was meeting the people that came off the train. I met such people as William Randolph Hearst and Mrs. Hoover—but not her husband, as he rarely came in because the crowds would follow him and that was a bother to him. Mrs. Hoover always came in to visit with my grandfather, whom she liked very much. There were a number of movie stars I met. In those days, they traveled by train. I met Elizabeth Taylor, Richard Burton, and a number of others that I remember. Charlie Russell came in and I liked him. He was the eminent artist that portrayed cowboys. I also met Mrs. Zane Gray and her daughter. At the time I met them, Zane Gray had passed away. It was interesting to meet them. 25th Street was an interesting street. It was an intersection of life that lived to the fullest. There were good things and there were bad things that happened on this street. I won't go into the bad things because that was not part of my experience. What I remember of 25th Street are the good things. The people who ran the stores were people of character and personality that made them interesting. Across the street was the Healy Hotel, owned and operated by another Irishman who came to work on the Central Pacific Railroad, Patrick Healy and knew my grandfather. He was an immigrant from Ireland. My grandfather was not an immigrant, but his folks came from Ireland. His father died when he was very young and he was apprenticed out and raised in another 4 situation. One of his regrets in life was that he missed having a family. He missed family life, but he made up for it later. At 18 he was drafted into the Union Army and became an artilleryman. He engaged in three major battles with William Tecumseh Sherman, the General of the Army. After the campaign, he went back to New York barefoot as his shoes had worn out. There wasn't much for him to do at home, so he got on a boat to San Francisco and got a job with the Central Pacific where he became a surveyor. Both the Union Pacific and the Central Pacific employed a lot of young men, most of whom were immigrants. Most were young Irish men that had served in the Union Army, and these young men built the Union Pacific. On the Central Pacific, the Irish laid the rails because they were big. The Chinese worked on the track bed and that was the real hard work. When the rails were finished, my grandfather and Patrick Heely became roommates and got a job with the Central Pacific. Patrick Heely became the engineer and my grandfather became his fireman. They lived and worked together for a while in Corinne, and then my grandfather went to Salt Lake City and got a job in a bank. He was there a short while and the opportunity came to open up a business in Ogden, so he came to Ogden and put up a dry goods store at the very place where the Union Depot stands today. One day, after a trip to Salt Lake City, he came back and his business was burned down. This didn't deter him, however. He opened a new business at the location where the hotel was and put up a hotel with a number of retail outlets and a saloon in it. 5 My father and uncle grew up to become bartenders. They worked there most of their lives. It was an attractive saloon, in fact, the most attractive in the city of Ogden. It had three Italian arch windows facing the depot, one of which was later bricked in. It had revolving fans on the ceiling and a beautiful mahogany bar on the east side with a number of tables with chairs spread around. It reminded me of the bar I saw in the movie, "Casablanca," and brought memories back to me. It was here in this atmosphere that I grew up, which to this day I hold cherished memories of it. I remember the stores on 25th Street with their particular odors. You'd go into a bakery and you'd smell the wonderful odor of fresh bread. You'd go into Cave's pharmacy, which was across the street in a part of the hotel, and you'd smell the spicy smell of botanicals. You'd go into my grandfather's store and smell the peculiar odor of tanned buckskin, which was agreeable and distinguishing. You'd go into these other stores where people lived in the rear of them and you'd smell their cooking, although sometimes it wasn't very nice. Today it's different. Everything is air conditioned. You'd go into the department store on 24th Street in the summer time when it wasn't air conditioned and go upstairs and you would start perspiring. In those days there was entrepreneurial opportunity for plain people, something that I feel isn't present so much today. Times have changed and we all change, there's no stopping it. I am a poet. I've written two books of poetry and I'm now on my third one. Last Sunday, the church secretary came up to me and said, "I'd like you to recite a poem for next Sunday church services, would you?" I said, "Yes." So I went 6 home and wrote one. I wrote a poem that summarizes life, but this poem is special because it's written at the pinnacle of my life experience. I should like to end this interview with my impression of life from the experience that I have had. I was also a soldier in World War II. I was an infantryman and saw seven months of combat, so I can relate life from each stage. I'll read my poem. It's called, "A Viewpoint," "A lifting melody if filtering through discord. A resurgence with intent is giving form. The continuum of fury is fashioning a new design. An effervescence of ideas rise within instinctive fervor. The vigor of renewal ignites the eternal intention. For something to be will never remain the same. Since evolving pieces are meant to fuel change. Though a day may seem bland, time is churning. Surprise is often the remedy for oversight. Change opens the vent for good. For one to garner starch to meet affront. These earthly sounds bear the lifeblood for what is beautiful to become the pathway for reaching." MJ: Thank you. We really appreciate you taking the time to meet with us today and to share your memories, they are quite wonderful. JC: I have one question. When you were a kid, what did you do for fun? EM: I liked to play softball, tennis and hike. I had a friend my age who lived across the street that was like-minded. We would walk all over the city of Ogden, poking our noses into everything. We liked to go to the foothills and hike the trails. We would gather on a hot summer day and read each other stories. I remember in particular, we would read Edgar Allan Poe and scare each other. 7 MJ: Poe is pretty scary. EM: We read, "The Fall of the House of Usher," "The Pit and The Pendulum," "The Black Cat," and we would read his poetry: "El Dorado," "The Raven," they are great works from a master. We would also get on our bikes when we were teenagers and pedal up to Pineview Dam and rent a canoe or a catamaran and paddle around the lake until we got tired and then we'd ride our bikes home. I had cousins and uncles that I would do things with, which left good memories. Once a year, my mother, brother and I would get in the car and we'd drive as far as Idaho Falls where the roads were paved and then take the dirt road from there to Yellowstone Park. In those days, the idea was to keep ahead of the car next to you. If you didn't, you would eat their dust for 90 miles. We would visit my uncle Carl, who had a store in West Yellowstone and stay there two weeks. We'd tour the park and go to the same places usually in July when all of the beautiful flowers were out in bloom. We'd "ooo" and "ahh" about the beauty of this wonderful national park. Occasionally, we'd go to Zion National Park. I remember one trip that we made with an aunt, uncle and cousin. We all got into the car and my sixteen-year- old girl cousin did the driving. We went to Bryce, Zion and the Grand Canyon; it was a wonderful trip. I've had a most fortunate life with many wonderful memories and wish to carry them over. Thank you very much. MJ: I'm glad we got to hear some of them today. Thank you. 8

Indonesian financial sector comprises banks, multi-finance companies, capital market companies, insurance companies, and pension funds. The banking sector accounts for about 80 percent of the financial sector assets. It is dominated by 121 commercial banks, which account for about 98.6 percent of total banking assets (including 5 sharia banks accounting for 1.8 percent market share), with rural banks comprising the remainder of the banking system (about 1.4 percent market share). Bank Indonesia (BI), the central bank, is responsible for regulation and supervision of the banking system. The assessment of compliance with the Basel Core Principles for Effective Banking Supervision (BCP) was carried out within the framework of the Financial Sector Assessment Program (FSAP) between September 29 and October 16, 2009.

This assessment of the Basel Core Principles (BCP) was conducted as part of the financial sector assessment program (FSAP) update evaluation of the El Salvador financial system from April 22 to May 10, 2010. The supervisory framework was assessed against the BCP methodology issued in October 2006. The assessment of compliance with each principle is made on a qualitative basis. A four-part assessment system is used: compliant; largely compliant; materially noncompliant; and noncompliant. A largely compliant assessment is given if only minor shortcomings are observed, and these are not seen as sufficient to raise serious doubts about the authority's ability to achieve the objective of that principle. A materially noncompliant assessment is given when the shortcomings are sufficient to raise doubts about the authority's ability to achieve compliance, but substantive progress has been made. A noncompliant assessment is given when no substantive progress toward compliance has been achieved. The ratings assigned during this assessment are not comparable to the ones assigned in the 2000 FSAP, as the bar to measure the effectiveness of a supervisory framework has been raised in the new methodology. This paper is structures as follows: introduction; information and methodology used for assessment; institutional and macroeconomic setting and market structure- overview; preconditions for effective bank supervision; main findings; and recommended action plan and authorities' response.

This assessment forms part of the joint International Monetary Fund (IMF) World Bank Indonesia Financial Sector Assessment Program (FSAP) which is being undertaken during 2009-2010. The assessment, which covers the private sector equity and corporate bonds securities system's observance of the Committee on Payment and Settlement Systems / International Organization of Securities Commissions (CPSS/IOSCO) recommendations for securities settlement systems, was conducted during an ad hoc mission. The assessment focuses on two types of trades. First the clearing and settlement process is assessed as regards equity transactions traded on the stock exchange Indonesian Stock Exchange (IDX), cleared through the Clearing and Guarantee Corporation (KPEI) clearing system (e-CLEARS) and settled through the Central Securities Depository for the Stock Exchange securities (KSEI) settlement system (C-BEST). In addition, the assessment focuses on corporate bond transactions, which are traded outside the exchange and settled through the KSEI settlement system (C-BEST).