Sentences with phrase «point of impact by»

by Greg Perry, The God Delusion by Richard Dawkins, Eye of the Needle by Ken Follett, Point of Impact by Steven Hunter, The Great Gatsby by F. Scott Fitzgerald and War and Peace by Leon Tolstoy.

Not exact matches

Case in point: In mid-September, three weeks before Morneau tabled his rules, credit reporting agency TransUnion estimated that hundreds of thousands of Canadians carrying variable rate subprime mortgages could be significantly impacted by interest rate increases of even 25 basis points.

The underlying combined ratio of 95.5 % increased 1.1 points, primarily driven by (i) loss cost trends that modestly exceeded earned pricing, the impact of which has been moderating in recent quarters, and (ii) normal quarterly variability in both loss activity and expenses.

An independent panel has endorsed the proposed development of a liquefied natural gas precinct at James Price Point near Broome, but the recommendation may have little impact as project developers led by Woodside Petroleum have shifted their focus to floating LNG developments.

Earlier in the month, the Federal Reserve raised the funds rate by 25 basis points, its fifth increase since December 2015, which impacts some of the terms by which you borrow money and access credit.

Such activities have been shown to lower functional IQ by 10 points — which is, by some measures, about twice the impact of smoking marijuana.

According to Cameron, «Shortening the leg dramatically impacts the look and fit of the jean — the knee point is in the wrong place by the time you cut four inches off.»

While the reported revenue decline in EMEA was 7 %, when you adjust for the transfer of company - owned stores to licensed stores and for FX, which together impacted revenue by 12 points, revenue growth was 5 %.

«By mid-2020, we will be most vulnerable to the next recession,» Zandi said, pointing to the fading impact of government spending and tax cuts.

They quickly pointed out that Europe is too large simply to assume that the world can absorb large changes in its capital and trade accounts, and as they debated about the ways global constraints would affect the assumptions about European surpluses most of them quickly decided that either the markets would not permit surpluses of this size, perhaps by bidding up the euro, or the impact of these surpluses would be very negative for the world.

Sales of $ 2.180 billion were comparable to the prior year as a 1 - point benefit from the acquisition of Pacific Foods and a 1 - point favorable impact of currency translation were offset by a 2 - percent decline in organic sales driven primarily by lower volumes.

Interest rates may increase but probably not enough to make an impact to a CD that is up for renewal, Real estate income should increase over time but mostly a few percentage points here and there, I suppose you could manufacture more income by paying off one of the rentals assuming your income numbers are after expenses and not gross income.

Excluding the impact of currency, Segment Adjusted EBITDA increased 3.6 percentage points, primarily reflecting favorable pricing and lower overhead costs that were partially offset by higher input costs in local currency.

Volume / mix was 0.7 percentage points lower as strong growth in condiments and sauces was more than offset by a combination of significantly lower shipments in India, unfavorable holiday - related shipment phasing in Indonesia, as well as the impact of distributor network realignment in several markets.

On a blended same - restaurant sales basis, results for Olive Garden, Red Lobster and LongHorn Steakhouse were down 1.9 % in the fourth quarter, which includes the adverse effect of an earlier Lenten season and Easter that impacted blended same - restaurant sales by 40 basis points.

Gross margin for the Coach brand is projected to be in the area of 70 % on a constant currency basis with negative foreign currency effects expected to impact gross margin by 80 basis points to 100 basis points.

Strategic Total Return continues to carry a duration of about 3.5 years in Treasury securities (meaning that a 100 basis point move in interest rates would be expected to impact the Fund by about 3.5 % on the basis of bond price fluctuations), and holds about 10 % of assets in precious metals shares, and about 5 % of assets in utility shares.

He points to the recent Ontario Fair Housing Plan put together by Premier Kathleen Wynne's government as a successful example of OREA's impact.

Year - to - date PTPP earnings of $ 165.9 million increased 6 % as the positive impact of very strong 9 % loan growth was partially offset by an 11 basis point decrease in net interest margin, an 8 % increase in non-interest expenses and 6 % lower non-interest income.

Growth of 7 % in net interest income (teb) was driven by very strong 13 % loan growth, partially offset by the impact of a 13 basis point reduction in net interest margin (teb) to 2.43 %.

These positive earnings drivers were more than offset by the combined impact of several factors, including increased energy - related provisions for credit losses, a 17 basis point decline in net interest margin, moderate growth of non-interest expenses, the addition of acquisition - related contingent consideration fair value changes reflecting performance within CWB Maxium Financial (CWB Maxium), higher preferred share dividends, and the 20 % increase to CWB's income tax rate in Alberta.

Compared to last quarter, net income available to common shareholders increased 3 %, reflecting the combined positive impacts of 9 % higher other income and very strong loan growth, partially offset by an eight basis point reduction in net interest margin.

Growth in net interest income was driven by strong loan growth, partially offset by the impact of a nine basis point reduction in net interest margin (teb) to 2.70 %.

The government counters this argument by pointing out that businesses with an annual income of $ 150,000 CAD would be impacted the most.

Specifically, the BoC predicts that the impact of a 100 basis point rise in policy rates would peak after 5 quarters, at which point it would lower GDP by 0.6 %.

For now, the Strategic Total Return Fund continues to carry a limited duration of about 2 years (meaning that a 100 basis point move in interest rates would be expected to impact the Fund by about 2 % on the basis of bond price fluctuations), mostly in Treasury Inflation Protected Securities.

Strategic Total Return continues to carry a duration of about 3 years in Treasury securities (meaning a 100 basis point move in interest rates would be expected to impact Fund value by about 3 % on the basis of bond price fluctuations), with about 10 % of assets in precious metals shares, and about 5 % of assets in utility shares.

Personally i think those specific prayers are a distraction most of the times we pray these prayers because its what we think we need and often thats not the case.The better way is to just trust the holy spirit let him lead i think we miss the awesomeness of doing it Gods way its easy not difficult.The struggle is difficult when we are walking by the flesh and trying to do it our way.When i got to the point where i said to the God i am not going to do it my way anymore and i submit to you because know whats best for me.Change me and when i feel the wrong desires or temptation to walk by the flesh i just say Lord you know i am weak and i can not live a christian life without you help me.As soon as i do that it is effortless theres no struggle thats how we should grow.I am excited with what God is doing in my life he has opened his word i am seeing the fruit of his life impacting mine and i am changing day by day.I am walking by faith and not slipping back into my old desires i know what it means to be an overcomer sin does not have dominion over me anymore.In myself i can not boast because it is the power of God at work in my life and i give all the praise back to God.brentnz

What is often called «direct observation» is in point of fact a highly sophisticated mental function in which the causal impact of objects on the observer is interpreted selectively by observers according to their purposes.

My point is really that sexual orientation, like gender identity, is also complicated and full of greys and is also impacted by gender, which is so many different shifting shades of grey, that to say we know where they intersect and where they don't, to pretend one is clear and one is not, seems impossible, especially without better defining our terms.

Perhaps; though the sceptic might still argue that here one is looking not at the impact of vows, but at those couples who have contrived to hold together through a certain level of psychological stability supported by sufficient conditions of external security.Let us allow the sceptic to press his point: can one really do more than hope for permanence in marriage?

In an article on «The Impact of Pastoral Psychology on Theological Thought,» Tillich emphasizes this point: «Intellectual and moral preaching fails to reach those levels of the personal life which can, however, be opened by authentic symbols — symbols which themselves have roots in the unconscious depths of individuals and groups.»

This point of view counters the narrow applications of theatrical imagery by emphasizing the constitutive and transformative impact of Word and resists the casual association between «performance» and narcissism by stressing that self is social and is constituted by «speaking», «acting» and «joining together» in communion.

Perhaps the biblical people of God, by pointing out the really real within the historical present, could help academic leaders to break out of this impacted perspective, as the university struggles for its soul.

The metaphoric impact is not overwhelming in these examples, but by a combination of association and juxtaposition of the agonizing events of our time with symbols pointing to Jesus, imaginative encounter with his story becomes possible.

A line move of 0.5 to 1.0 points can impact your expected winning percentage by 2 % -5 % so make sure you are gaining the best value by always shopping for the best line.

Our research agrees with industry estimates that a line move of 0.5 to 1.0 point can impact your expected winning percentage by 2 % -5 %.

You don't get it do you?I'm not even talking about the money.But I agree with you that for the kind of money that will be spent on Mbappe it's a higher gamble.Henry was bought to be a starter and as the main man for Arsenal.He was so young by then and the pressure on him was massive.Looking at the impact he's had in our club if Henry had failed who would imagine what Arsene would have done.To me he's our best player ever.Arsene put a lot of trust in him to be honest but the gamble paid off.However, I think he had a point to prove to world and to Juve hence he succeeded.The same as is with Mbappe with even a higher transfer fee and more expectation.If he's ever signed for that amount he's coming here to be the main man whowill send us into glory.Forget Ozchez for all eyes will be on him.

if the Ox was played to either showcase his skills or to increase any potential bids because of his perceived importance to our starting 11, this was an incredibly risky move that could have cost us dearly... imagine if he was injured or played poorly, like he did, and this negatively impacted our ability to get the best available deal... more importantly, why was Wenger willing to play someone who obviously wants out in such an important game under false pretenses... this kind of behaviour might be less offensive in April, when things are done and dusted, but to do this following a loss against a supposed main rival that pipped us for fourth by a point last year, could be considered at best inappropriate and at worst treasonous... we can't afford to let this coach make business decisions on game day, which has gone on for far too long

In his two slow - motion practice swings, Crane dialed in the precise technique required for a peeler by delaying the release of his wrists at impact and then holding his finish so that the butt end of the shaft points away from the target.

Le Coq is a great players in the making but he's way far from being in the same league as some of the other choices that Dechamps has available and this is indicative of the Arsenal problem, half our Squad are not good enough to make thier national sides despite what Le Fraud says about them, lets not forget Cabaye was in our sites ubntil we offered a lower sum than what the magpies wanted and now he's at Palace Le Coq himself was farmed out to Charlton with a view to being dropped by Wenger, circumstances dictated that he had to come back to us and yes he has made an impact but he's NOT as good as is available currently and thats my point.

Unlike this system our kiddy impact shield means the force of the impact is spread evenly through the upper body by way of the wide point of contact.

But, research shows in point of fact that father figures do have positive and long - lasting impacts on their children just by engaging with them in affirmative and encouraging ways.

My 4 year old, with the most severe injuries, suffered a severe cut to her foot (aptly and completely repaired by great surgeons) and a broken leg (remember, she was AT the first point of impact, a side impact.)

Kridler notes that while disposable diaper advocates try to cite «a British study that suggested all the washing and drying of cloth diapers meant their environmental impact was about equal to that of disposables», that the study has been criticized by environmentalists who point out that «the combination of chemicals in the diapers and their baby waste make for an unhealthy contribution to landfills and potentially ground water.»

Sometimes cloth diaper co-ops are run by people who have no other purpose than to undercut their local retailers and are thrilled beyond words when that retailer is impacted to the point of having to shut down their business.

The revised RCPCH position statement on breastfeeding, also launched today, points out the rapid decline in breastfeeding rates (leading to fewer than half of all babies receiving any breastmilk at all by 6 - 8 weeks after birth), the research evidence on improved health outcomes and intelligence scores, and the economic impact.

By Point Pleasant Register OHIO VALLEY — Dr. Kelly Roush, Director of Holzer Sports Medicine Services initiated IMPACT computerized concussion testing in 2012.

A key point is that a child's brain is impacted by all experiences, through their senses of touch, taste, hearing, feelings, smell and sight.

Despite the pause button having been pressed over the Hinkley Point project by the new May administration in July, the resulting «new» safeguards put in place to cover Chinese involvement do not appear that different from the old arrangements, implying that the Brexit - led change of leadership in Westminster may have little impact on Chinese access to such projects in future.