The systematic risk of US commercial bank stocks more than doubled from 2000 to 2006, primarily due to their increased residential mortgage exposure. Higher levels of mortgage lending produced better earnings but relatively lower stock returns. Banks engaged heavily in mortgage lending encountered less enthusiastic market response to their earnings announcements, suggesting that financial marke...

In February 1998, Osama Bin Laden published a signed statement calling for a fatwa against the United States for its having “declared war against God.” As we now know, the fatwa resulted in the unprecedented attack of 9/11. The issue of whether or not 9/11 was in any way predictable culminated in the public debate between Richard Clarke, former CIA Director George Tenet and the White House. We ...

cognitive impairment may be a common even at the onset of multiple sclerosis (ms). in this case-control study, we tried to find out the probable relationship between homocysteine levels and cerebral atrophy or cognitive impairment in patients with multiple sclerosis. one hundred fifty six patients who had ms according to mcdonald diagnostic criteria were included in this study. patients’ age, g...

the nemesis is of an antiquity among human society but its rules differ from the divine rules; because the human society has punished the convict without any special rule in past. in many cases there was not any relationship between the punishment and the crime. the divine religions had enacted special rules in order to make a relation between the punishment and the crime. the main goal of neme...