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context of value creation at a consistent time horizon.471 They are, therefore, measures that can be considered a common currency for risk across all types of risk. However, an implicit assumption in the calculation of economic capital is that the portfolio of transactions under consideration is kept constant over time until H, the end of the measurement period. This assumption was less of an issue when VaR was first developed in the trading arena,472 where only very short horizons are relevant (often only hours or days). On the contrary, practical experience shows that at least so far473 credit portfolios are kept fairly constant over time474 and (still) constitute the bulk of a bank s risk exposure. It is also worthwhile to mention here that economic capital calculated on VaR basis seems only appropriate for banks, because only they are concerned about the reduction in the total value of their portfolio of assets. Industrial companies, which are concerned about preserving the level of cash flows to finance valuable projects,475 should choose other measures of total risk.476 Yet another problem with economic capital is that it typically only considers the risk contribution to the overall bank portfolio and not to the broad market. It is, therefore, difficult to use it as the basis for the valuation of assets.477

Loan-to-value ratio (LTV): The ratio of the amount of the mortgage as a percentage of the value of the property Lock-in: An agreement by the lender at the time of mortgage application or shortly thereafter to write the mortgage at a specific interest rate, whether rates rise or fall up to the date of closing A good move if rates are rising but a bad move if they are falling, lock-ins have specific expiration dates, such as 30, 60, or 90 days in the future Long-term care insurance: Health insurance coverage designed to cover the cost of custodial care in nursing homes or extended care facilities Major hospitalization policy: A policy that typically has high deductibles and high coverage limits Similar to major medical coverage, except that it applies only to hospitalization Major medical policy: A policy that typically has high deductibles and high coverage limits.

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Sometimes called a catastrophic policy Maximum allowable costs list (MAC): Slate of drugs for which the reimbursement is based on the cost of the generic equivalent..

Notice the first option in the dialog box, Always do this for. . . . When that option is selected, and you click a program name from the options beneath it, you automatically set the default program for that type of disk. Meaning that the next time you insert a disk of the same type as the one you just inserted, you don t get the dialog box anymore. Instead, the program you chose the first time around opens to play the disk s contents. When you click Change AutoPlay settings in Program Defaults, you get to see all of your current AutoPlay default settings, as in Figure 44.9. Scroll to the bottom of the list to find icons for devices you connect to your computer, such as digital cameras. FIGURE 44.9

The Connection tab of Outlook Express s Options dialog box, shown at the right in Figure 33-26, provides options for automatically connecting to your ISP when you request mail. If you don t have a dial-up Internet account, the Dial-Up options will be disabled. That s because the Dial-Up options make no sense with broadband accounts, which don t use traditional phone lines to provide your connection.

Complex scenes take longer to display and render. The renderer used for the viewports is highly optimized to be very quick, but if you re working on a huge model with lots of complex textures and every viewport is set to display the highest quality view, then updating each viewport can slow the program to a crawl. The Viewport Configuration dialog box s Rendering Method panel, shown in Figure 2-8, lets you set the rendering settings for the Active Viewport, All Viewports, or All but Active viewport.

This pattern lies at a high level ofabstru~tion:it addresses how the complete task of the user is dealt with. Itsfunction lies mainly in perception, as it suggests how much information to display or otherwise output to the user. Its physical dimension is sequence, as it deals with the distribution of this

The combinations suggested in the table in 17 apply to canned vegetables as well as to fresh and frozen.

(10.136)

. . . . . . . . . . . . . . .

Verilog Coding for Logic Synthesis, edited by Weng Fook Lee ISBN 0-471-429767 Copyright 2003 by John Wiley and Sons, Inc.

Portions: 16 Portion size: 4 oz (125 g) meat, 3 oz (90 g) ravioli, 3 mushrooms, 3 oz (90 mL) consomm

If the margins you need for your particular report are not shown in the Margins options, click the small button in the lower-right corner of the Page Layout group to open the common Windows Page Setup dialog box. This dialog box enables you to specify the margins, orientation, and other page-layout specifications as you would in Microsoft Word or any other Windows application. To set the right border for the Product Display report to 71 2 inches, follow these steps:

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