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spec: We find a positive correlation between small business leverage and leverage of publicly traded firms within same industry , which finding we view as support of the static trade-off theory . including medical absences . `` The law enforcement community is seeing that taking animal cruelty seriously is popular in their communities . The video-game concentration , first offered last year , has quickly gained in popularity and has about 40 majors , Etheredge said . This document must be printed out upon completion and faxed to the Compliance Data Section . You can do a calculation using a formula for `` freezing point depression '' which can be found in any introductory chemistry text , and get an idea of what the freezing point of the water alcohol mixture is ( I have all my books packed up as I am starting a new job ) . It was her firm resolve never again to see Northway . In this survey , support for access to individual personal medical records was low for medical researchers and extremely low for provincial or federal governments . And even Patrick Sparks for Kentucky against UConn . If the affected individuals are not engaged , the questions and concerns draw out the process well beyond the time frame envisioned by the planners . An association of nearly 300 scientists and engineers spread across 45 project teams and coordinated by the Office of Naval Research is about a year and a half into a five-year , $ 11 million effort to determine what it will take to build such a system . This document must be printed out upon completion and faxed to the Air Compliance Branch . Of note is the increasing volume of term loans with nominal amortization required prior to maturity and loosened financial loan covenants such as leverage and fixed charge coverage ratios . ) The first arg is the privilege name , as a string . The owner education variable , which is also significant in both the pension and health insurance models , could also be a proxy for the availability of general information about the importance of fringe benefits .