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Next PostNext Subsidised council run nurseries in Birmingham another Act in the Thatcherite Tragedy.<eot>2014 Banking Outlook Conference: Banking's Next Chapter: Challenge, Opportunity, Risk - February 27, 2014 - Federal Reserve Bank of Atlanta {{text}} |
2014 Banking Outlook Conference: Banking's Next Chapter: Challenge, Opportunity, Risk - February 27, 2014 |
A full day of presentations and panel discussions explored a range of issues related to this year's conference title of Banking's Next Chapter: Challenge, Opportunity, Risk. The conference drew top experts to discuss topics such as the economic and policy environment, the way forward for banks, and the outlook for commercial real estate. |
Changing demand for commercial, office space |
The changing labor market and the rise of e-commerce are influencing demand for different types of office and commercial space, explained Sam Chandan, president and chief economist at Chandan Economics. For one, consumers are doing more of their shopping online, and that is affecting some retail categories more than others. Electronics stores and bookstores have been hit especially hard while other product categories such as grocery stores have not felt as much pressure from online retailers, Chandan said. These changing trends in the demand for commercial space require investors to look ahead to what the "best and highest" potential use of those properties might be, he noted. |
Demand for office space is also changing as more workers telecommute. However, working from home is more of a complement than a substitute for in-office work, Chandan explained. Still, this and other trends—such as changes in the types of jobs that are being created—are affecting the amount of space demanded per office-using employee. "There's been a shift away from financial services and from legal services in job creation trends, and that is lending itself to a smaller footprint for office demand," he said. |
In the day's keynote speech, Consumer Financial Protection Bureau (CFPB) Deputy Director Steven Antonakes said that the agency's consumer protection mandate is not in conflict with a healthy, profitable financial system. Indeed, "consumers benefit from a healthy, competitive, and diversified financial services system through greater access to credit and competitive pricing," he said. |
Since opening its doors in July 2011, the CFPB has fielded hundreds of thousands of complaints, many of which deal with debt collection and mortgage issues. Addressing these issues is a core part of the agency's work, and it also helps inform its supervision and enforcement priorities, Antonakes said. Indeed, the CFPB has focused heavily on debt collection and consumer reporting issues, but it is also keeping a close eye on student loan debt, which comprises the second largest consumer lending market, he said. As the cost of higher education steadily increases, graduates are beginning their careers with more debt. Today, more than 40 million Americans altogether hold approximately $1.2 trillion in outstanding loan balances, which has knock-on effects on society and the broader economy. |
The conference also featured a candid discussion about the future of banking from Atlanta Fed President Dennis Lockhart and Kansas City Fed President Esther George, both of whom bring unique perspectives to their current policymaker roles. Lockhart is a former banker, and George spent much of her career in bank supervision and regulation. |
Higher costs related to compliance, information technology, and other major investments make it difficult for smaller banks to compete. As a result, "banking is increasingly a scale economies business," said Lockhart. Some banks will be able to boost profits by aggressively attacking costs, but with roughly 6,700 banks, some consolidation is inevitable, he said. |
Looking ahead, the next chapter of banking is "already being written," said George. Just as regulations in the 1980s dramatically changed the banking landscape over several decades, "the choices we make today will have many effects going forward." At issue is whether the regulatory reforms put in place following the financial crisis were successful at ending too big to fail while leaving the country with a diverse enough banking system, she added. Bank regulatory agencies still have a tough task ahead of them when it comes to ending too big to fail, but they've made progress. "It's a condition that we're trying to treat and manage as opposed to an illness that's been cured," Lockhart said.<eot>Home / Sport / Nick Kyrgios Bamboozles Rafael Nadal With Two Surprise Underhand Serves |
He tried a few 'tweeners. He was held up by the umpire when he wanted to serve at times due to Nadal not being ready. |
There will also be some earnest tsk tsking because Kyrgios was seen enjoying himself at a pub in the Wimbledon village on the evening before his match, not home crocheting a rug or, even less likely, resting for his game against the most physically robust player in the game's history. At his news conference, Kyrgios' insults of choice were "horrendous" and "terrible". |
"I was aware of everything", said Nadal, who was winning his 50th match at Wimbledon. |
Nadal said: "A tough opponent". |
Part of that is because a 19-year-old Kyrgios beat then-No. |
The No. 2-seeded Nadal is seeking his third Wimbledon title but first since 2010. |
"I'm still going out there today and able to bring a level that can compete with one of the world's best and have chances to the win the match". |
Nadal took the first set before Kyrgios fired back to tie the match in the second. I played a couple of loose points here or there. |
China's Wang Qiang, seeded number 15, eased past Tamara Zidansek of Slovenia 6-1, 6-2 to reach the women's singles third round for the first time at Wimbledon. |
The 32-year-old Scotsman and his French partner Pierre-Hugues Herbert gelled as the match went on winning in four sets over Marius Copil and Ugo Humbert, 4-6, 6-1, 6-4, 6-0. "She's obviously an incredible champion; I have huge respect for her", Davis said. "I couldn't really tell if it was Centre Court or Court 1, actually". Number nine seed John Isner plays Kazakhstan's Mikhail Kukushkin on Court Three, followed by number 12 seed Fabio Fognini against Hungary's Marton Fucsovics. |
The hard-serving American was one set away from the victory but lost 6-4, 6-7 (3), 4-6, 6-1, 6-4 on No. 3 Court. |
Isner reached his first Grand Slam semifinal at Wimbledon previous year before losing a five-setter to Anderson that lasted more than 6½ hours, the second-longest match in Grand Slam history. |
Ninth-seeded Isner, who played in the epic semi-final a year ago with Kevin Anderson which lasted over six hours, fell in five sets to unseeded Kazakh Mikhail Kukushkin 6-4, 6-7 (3/7), 4-6, 6-1, 6-4 in just over three hours of play. Johnson won fewer total points (150-149), earned fewer service breaks (3-2) and made almost twice as many unforced errors (45-25). But he wound up holding serve, then celebrating like he'd won the match, leaping and yelling and punching the air. |
Johnson's best Grand Slam showing was a fourth-round run at the All England Club in 2016, which ended with a loss to Federer.<eot>Bicentennial Archives - Pennsylvania Heritage Magazine |
Home » Article Category: Bicentennial |
Posted by PA Heritage Staff on Nov 29, 2013 in | Comments Off on Commission Assumes Active Role The Pennsylvania Historical and Museum Commission exists to promote the Commonwealth's historical and cultural heritage and to see that the public recognizes its own achievements. It was for these reasons that the Commonwealth created the agency. The PHMC was born November 26, 1913, when Gov. John K. Tener appointed five members authorized by a law which he had signed in July. As Nicholas...<eot>“Imagine a company where everyone is equal and managers don’t exist. A place where employees sit where they want, choose what to work on and decide each other’s pay. Then, once a year, everyone goes on holiday together.”<eot>If you are a Sydney business, it is needed to adapt to the ever growing technology in order to cope-up with the competition. If you have the budget, you can … Read More<eot>As the name suggests, a smile makeover is supposed to beautify your smile, giving your teeth and face an enhanced esthetic appeal. So, if you have chipped, stained, damaged, or otherwise flawed teeth please schedule an appointment with Westlake Family Dentistry for a customized smile makeover. Dr. Brad Sievert and the team will give you a smile designed just for you. |
Procedures We Could Use for Your Smile Makeover |
Before devising a smile makeover treatment, your dentist considers several factors to ensure the final results match your face and provide a natural-looking result. We also understand that every patient is unique, so we personalize your treatment considering your budget, smile goals, and other preferences. |
We use a combination of the following treatments to overhaul your smile: |
Teeth whitening: One of the fastest and most cost-effective ways to transform your smile is by considering professional teeth whitening. At-home whitening trays deliver incredible results after as soon as two weeks of use. |
Dental veneers: This is the ultimate one-stop procedure in dentistry because it can correct multiple dental flaws, including gapped, chipped, stained, and crooked teeth. |
Orthodontics: You definitely can’t have a beautiful smile if you have a misaligned bite or crooked teeth. We offer plenty of teeth straightening services to align your smile for a beautiful, straight grin. |
Cosmetic dental bonding: If you have minor cosmetic issues, you don’t always need dental veneers. Applying composite resin directly to your teeth can mask gaps, chips, stains, and cracks on your teeth for a photo-ready smile. |
Dental crowns: If you have damaged or decayed teeth, we can use cosmetic dental crowns to improve the appearance and health of your smile. |
Dental implants: No smile looks great if you have unsightly gaps left by missing teeth. We offer natural-looking dental implants to replace missing teeth. |
Before & After Treatment Images |
Often times years of patchwork dentistry adds up to a mismatch of colors, shapes, and esthetics. This patient had previously undergone an attempt to improve his front teeth but with poor attention to balance, harmony, and health. Unfortunately, the work began to fail. We used beautiful, modern porcelain restorations to give his front teeth a completely new life with healthy contours and design. The results are stunning! |
This patient had suffered from severe wear to his teeth for many years. After breaking his front tooth, he decided it was time to restore his teeth and smile. By rebuilding his teeth, we gave him a better bite and a great looking smile! Can you spot the two dental implants among his front teeth? |
This patient came to us with decades of dental neglect, severe periodontal (gum) disease, and fractured teeth. Using dental implants, we were able to restore his mouth to be healthy and attractive again. |
Mike had a lifetime of mismatched dental work on teeth that were very crowded, distracting from his pleasant personality. We straightened his teeth with Six Month Smiles and then provided Mike a smile he could be confident with using modern and natural-looking dental materials. |
Molly had decades of mismatched dental work. We were able to make-over her smile, giving Molly a natural-looking, bright, and healthy smile that she enjoys showing off! |
Because of a poor dental bonding treatment, this patient had lived with two yellow front teeth for years. We were able to fix those teeth to give her a smile with uniform color and a beautiful appearance! |
This patient had suffered wear and damage to his front teeth since high school. We were able to give him a healthy and attractive smile again using porcelain veneers. Contact us if your smile needs a second chance! |
A smile makeover can rejuvenate a smile that has inconsistent color and/or shape from years of patchwork dentistry. |
This patient was always embarrassed to show his teeth. After getting veneers to improve the shape and alignment of his teeth, he had a newfound confidence and the transformation was truly life changing. |
More Results |
Nothing in life is guaranteed. However, if you meticulously follow the playbook of doing things for years, results are more predictable and made to last. This is what Dr. Sievert does in our clinic. We rely on experience, skills, and technology to perform successful smile makeovers to create beautiful, healthy, and confident smiles. |
Call Our Office for More Information |
New Patients: (503) 662-9176 | Existing Patients: (503) 636-4576 |
Request an Appointment |
Smile Makeover Near Me |
Want to refresh your smile in Lake Oswego, Oregon? A smile makeover from Westlake Family Dentistry is what you need. Please dial (503) 662-9176 to schedule an appointment with Dr. Brad Sievert. |
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