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spec: Today , ideas like files and windows have become so entrenched that they might as well be elementary particles . Second , the manual process is subject to human error something you ca not afford when it comes to compliance with today 's industry and government regulations for data storage . In addition to portfolio information , banks should be encouraged to acquire or develop information systems that provide ready access for lenders and credit analysts to information sources that can support and enhance the financial analysis of proposed loans . And while the Free Trade in Ideas Act of 1994 , as indicated earlier , only puts forward a sense of congress that the President should not prohibit or restrict travel undertaken for educational purposes , rather than making it illegal , the fact that it is on the books will prevent the government from arguing that the Congress has delegated to the Executive the regulation of educational travel to Cuba . Although many elements of the decision to assign a risk rating to a given loan are inherently judgmental , banks can make these elements both more explicit and more consistent by articulating assignment criteria that describe both quantitative and qualitative considerations . However , this test is not always useful , and your doctor may not need it . In addition , Judy was also elected to the Editorial Board of the Journal of Child and Adolescent Psychiatric Nursing and to the state board of the Autism Society of Michigan . O Dear Father , believe what I am going to relate the words of truth and sincerity , and Balance my former bad Conduct my sufferings here , and then I am sure you ' ll pity your Destress Daughter , What we unfortunate English People suffer here is beyond the probability of you in England to Conceive , let it suffice that I one of the unhappy Number , am toiling almost Day and Night , and very often in the Horses drudgery , with only this comfort that you Bitch you do not halfe enough , and then tied up and whipp ' d to that Degree that you ' d not serve an Animal , scarce any thing but Indian Corn and Salt to eat and that even begrudged nay many Negroes are better used , almost naked no shoes nor stockings to wear , and the comfort after slaving during Masters pleasure , what rest we can get is to rap ourselves up in a Blanket and ly upon the Ground , this is the deplorable Condition your poor Betty endures , and now I beg if you have any Bowels of Compassion left show it by sending me some Relief , Clothing is the principal thing wanting , which if you should condiscend to , may easily send them to me by any of the ships bound to Baltimore Town Patapsco River Maryland , and give me leave to conclude in Duty to you and Uncles and Aunts , and Respect to all Friends Honored Father Your undutifull and Disobedient Child Elizabeth SprigsSource : Elizabeth Sprigs , " Letter to Mr. John Sprigs in White Cross Street near Cripple Gate , London , September 22 , 1756 , " in Isabel Calder , ed ., Colonial Captivities , Marches , and Journeys ( New York : Macmillan Company , 1935 ) , 151 - 52 . " When asked how long he 'd been living on just almonds , brussels sprouts , and water , he answered : " Oh , years . In addition , regardless of the manner in which profitability is analyzed , banks should incorporate into the pricing decision the appropriate risk of loss on the loans being considered . Medical conditions associated with changes in body image ( strokes , amputations and problems in walking that require assistive devices ) are particularly threatening . Few spheres of our daily lives remain untouched by technologies of identity and identification : medical records are increasingly digitized and aggregated , loyalty cards collect shopping habits , Web cookies track online activities , electronic toll collection systems record vehicle locations , detailed user profile pages fill social networking Web sites , biometric scanners are in use at workplaces , banks , and airports . As part of the credit risk management process , banks should consider the potential impact of a wide range of borrower default rates and losses on the institution , especially on loans with more relaxed terms . Mr. Numata : To take your last point first . POST work almost identically , and are equally easy to use . The longitudinal tracking proposed in a Health Canada discussion paper — to whit , " of the entire array of socially determined roles , personality traits , attitudes , behaviors , values , relative power and influence that characterize the lives of men and women in Canadian society " — is breathtaking , intrusive and offends the bedrock value of privacy in a democratic society . Carleton College cancelled a day of classes and instead offered `` Confronting Katrina : How Should We Respond ?