We'd expect some sort of contact to get our feedback and learn what hopes we have for the merger... and hope that our bigger revenue staying patterns will have
some level of impact in order to retain us as loyal customers.
Councillor Malcolm Cunning of Glasgow City Council said: «There is no way local authorities can lose sums like # 130 million over the space of two years and not have
some level of impact in terms of education provision.
Liverpool bagged over 100 Premier League goals last term but the loss of Suarez and ongoing injury concerns over Daniel Sturridge have seen Rodgers side fail to make anywhere near the same
level of impact in the final third.
Not exact matches
While the high
level of existing debt means rate hikes will have a stronger
impact in cooling demand than they did
in previous years, it is still too soon to know just how much
of an effect the bank's three rate hikes have had, Poloz said.
We feel very strongly as a company that our role and responsibility
in addition to making money and building shareholder value, as you know, is to demonstrate a
level of social
impact in the communities that we serve.
«If they held this
in their back pocket, and brought it out at a strategic moment to maximize its
impact, that would suggest a
level of political gamesmanship that is conduct unbecoming [
of] senior members
of the US Senate,» he said
in an email.
In the opinion of the Company's management, a discussion of loss reserve development is meaningful to users of the financial statements as it allows them to assess the impact between prior and current year development on incurred claims and claim adjustment expenses, net and core income (loss), and changes in claims and claim adjustment expense reserve levels from period to perio
In the opinion
of the Company's management, a discussion
of loss reserve development is meaningful to users
of the financial statements as it allows them to assess the
impact between prior and current year development on incurred claims and claim adjustment expenses, net and core income (loss), and changes
in claims and claim adjustment expense reserve levels from period to perio
in claims and claim adjustment expense reserve
levels from period to period.
The Fed's decision to edge off
of a crisis -
level rate policy was long anticipated and experts say this first rate hike
in nearly a decade might not have much
of an
impact overall.
So by fostering a culture
in which employees can make such a call — the first
of Zappos» 10 core values exhorts employees to go «above and beyond the average
level of service to create an emotional
impact on the receiver» — Hsieh walks away with a hat trick.
While top - down channels are used to communicate vision and strategy
in order to get policies and processes aligned with them, bottom - up processes are necessary too,
in order for leaders to be aware
of the issues faced at the lower
levels, as well as to measure the
impact of the policies and practices implemented.
Although it might consume more resources
in the development stage, customized design has a measurable
impact that leads to higher
levels of interaction and greater returns.
Jackson is the lead author
of a new study to be published
in Psychological Science that tracked nearly 5,000 married Australians for five years and measured how a spouse's personality
impacted whether their partner received a promotion, earned a higher salary or experienced higher
levels of job satisfaction.
When you're deciding what technology to go with, it's vital that you have a good understanding
of the
level of impact it will have on your team
in adopting it.
There's opportunity
in emerging market debt despite growing concerns over higher credit
levels and the
impact of a strong dollar, the chief executive
of Goldman Sachs Asset Management told CNBC on Tuesday.
Queen's Professor Warren Mabee was quoted
in the Toronto Star saying that «this could be a way for the pipeline lobby to emphasize a point that while they've had some problems, there's not been this
level of death and this
level of impact.»
Such risks, uncertainties and other factors include, without limitation: (1) the effect
of economic conditions
in the industries and markets
in which United Technologies and Rockwell Collins operate
in the U.S. and globally and any changes therein, including financial market conditions, fluctuations
in commodity prices, interest rates and foreign currency exchange rates,
levels of end market demand
in construction and
in both the commercial and defense segments
of the aerospace industry,
levels of air travel, financial condition
of commercial airlines, the
impact of weather conditions and natural disasters and the financial condition
of our customers and suppliers; (2) challenges
in the development, production, delivery, support, performance and realization
of the anticipated benefits
of advanced technologies and new products and services; (3) the scope, nature,
impact or timing
of acquisition and divestiture or restructuring activity, including the pending acquisition
of Rockwell Collins, including among other things integration
of acquired businesses into United Technologies» existing businesses and realization
of synergies and opportunities for growth and innovation; (4) future timing and
levels of indebtedness, including indebtedness expected to be incurred by United Technologies
in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including
in connection with the pending Rockwell Collins acquisition; (5) future availability
of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope
of future repurchases
of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the
level of other investing activities and uses
of cash, including
in connection with the proposed acquisition
of Rockwell; (7) delays and disruption
in delivery
of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits
of organizational changes; (11) the anticipated benefits
of diversification and balance
of operations across product lines, regions and industries; (12) the outcome
of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the
impact of the negotiation
of collective bargaining agreements and labor disputes; (15) the effect
of changes
in political conditions
in the U.S. and other countries
in which United Technologies and Rockwell Collins operate, including the effect
of changes
in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates
in the near term and beyond; (16) the effect
of changes
in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act
of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations
in the U.S. and other countries
in which United Technologies and Rockwell Collins operate; (17) the ability
of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result
in the imposition
of conditions that could adversely affect the combined company or the expected benefits
of the merger) and to satisfy the other conditions to the closing
of the pending acquisition on a timely basis or at all; (18) the occurrence
of events that may give rise to a right
of one or both
of United Technologies or Rockwell Collins to terminate the merger agreement, including
in circumstances that might require Rockwell Collins to pay a termination fee
of $ 695 million to United Technologies or $ 50 million
of expense reimbursement; (19) negative effects
of the announcement or the completion
of the merger on the market price
of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted
in their operation
of their businesses while the merger agreement is
in effect; (21) risks relating to the value
of the United Technologies» shares to be issued
in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability
of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.
Whether or not an individual engages
in environmentally sustainable behavior or criticizes the government can
impact their score, along with their education
level, purchase history and even the social credit scores
of people with whom they associate, Wired reports.
The market size and the potential to make an
impact in people's lives are nearly unrivaled, as is the
level of regulation.
«Our illustrative estimate
of the long term
impact of reduced net migration from the EU27 on UK GDP per capita after Brexit is negative, but relatively small compared to many other uncertainties about average UK income
levels in 2030,» said Hawksworth.
In the U.S., today's public discourse on the sway
of the Internet giants and their
impact on society is at the
level of a mere whisper.
These financial
impacts will mostly be felt
in the poorest parts
of Africa, Asia, and South America — causing loss
of crops, droughts and other extreme weather, and increasing sea
level rise.
The small tag rests on the back
of the wearer's neck, and lights up
in green, yellow or red (red meaning a large, potentially dangerous
level of impact) when the athlete comes into contact with someone or something.
In turn, the promoters hope that we may reflect on how «rampant consumerism» has
impacted the environment and fuelled excessive
levels of debt.
Actual results, including with respect to our targets and prospects, could differ materially due to a number
of factors, including the risk that we may not obtain sufficient orders to achieve our targeted revenues; price competition
in key markets; the risk that we or our channel partners are not able to develop and expand customer bases and accurately anticipate demand from end customers, which can result
in increased inventory and reduced orders as we experience wide fluctuations
in supply and demand; the risk that our commercial Lighting Products results will continue to suffer if new issues arise regarding issues related to product quality for this business; the risk that we may experience production difficulties that preclude us from shipping sufficient quantities to meet customer orders or that result
in higher production costs and lower margins; our ability to lower costs; the risk that our results will suffer if we are unable to balance fluctuations
in customer demand and capacity, including bringing on additional capacity on a timely basis to meet customer demand; the risk that longer manufacturing lead times may cause customers to fulfill their orders with a competitor's products instead; the risk that the economic and political uncertainty caused by the proposed tariffs by the United States on Chinese goods, and any corresponding Chinese tariffs
in response, may negatively
impact demand for our products; product mix; risks associated with the ramp - up
of production
of our new products, and our entry into new business channels different from those
in which we have historically operated; the risk that customers do not maintain their favorable perception
of our brand and products, resulting
in lower demand for our products; the risk that our products fail to perform or fail to meet customer requirements or expectations, resulting
in significant additional costs, including costs associated with warranty returns or the potential recall
of our products; ongoing uncertainty
in global economic conditions, infrastructure development or customer demand that could negatively affect product demand, collectability
of receivables and other related matters as consumers and businesses may defer purchases or payments, or default on payments; risks resulting from the concentration
of our business among few customers, including the risk that customers may reduce or cancel orders or fail to honor purchase commitments; the risk that we are not able to enter into acceptable contractual arrangements with the significant customers
of the acquired Infineon RF Power business or otherwise not fully realize anticipated benefits
of the transaction; the risk that retail customers may alter promotional pricing, increase promotion
of a competitor's products over our products or reduce their inventory
levels, all
of which could negatively affect product demand; the risk that our investments may experience periods
of significant stock price volatility causing us to recognize fair value losses on our investment; the risk posed by managing an increasingly complex supply chain that has the ability to supply a sufficient quantity
of raw materials, subsystems and finished products with the required specifications and quality; the risk we may be required to record a significant charge to earnings if our goodwill or amortizable assets become impaired; risks relating to confidential information theft or misuse, including through cyber-attacks or cyber intrusion; our ability to complete development and commercialization
of products under development, such as our pipeline
of Wolfspeed products, improved LED chips, LED components, and LED lighting products risks related to our multi-year warranty periods for LED lighting products; risks associated with acquisitions, divestitures, joint ventures or investments generally; the rapid development
of new technology and competing products that may impair demand or render our products obsolete; the potential lack
of customer acceptance for our products; risks associated with ongoing litigation; and other factors discussed
in our filings with the Securities and Exchange Commission (SEC), including our report on Form 10 - K for the fiscal year ended June 25, 2017, and subsequent reports filed with the SEC.
The truth
of the matter is that there is a way to not only decrease stress
levels at a rapid rate, but also transform the
impact that you have
in the world.
The
levels of employment attracted to Ireland and Luxembourg combined by their tax policies would have little
impact on employment
in the UK, home to at least 12 times more people.
The viewers «clearly recognized the themes Forbes was talking about and saw the applicability for any
level of service enterprise,» says Galford, a principal
of Impact Planning Group, based
in Old Greenwich, Conn..
In fact, nearly 60 percent
of the more than 1,000 full - time employees surveyed said their relationship with their employer positively
impacts their focus or productivity at work, and 44 percent said it positively
impacts their stress
levels.
However, if I were to pick someone from this list to bring into any company
in any industry and make a high -
level, lasting
impact, there are few executives
in the history
of American business with a better track record than Lou Gerstner.
They contend that its open policies prove the benefits
of experimenting with data and using information to establish a «direct relationship between an individual's decisions and their
impact on the business» — something the grocery chain accomplishes by giving each employee high -
level access to the company's financial data, and therefore a greater stake
in the business.
Assuming TPP does not affect the total number
of cars and trucks sold
in North America (
in reality, the number
of vehicles should increase somewhat due to the downward
impact tariff removal will have on prices), TPP could affect employment
levels in Canada through several mechanisms:
At a very high
level, I'm investing
in ventures where I believe we stand a chance
of getting our money back within a timeframe we're willing to wait, getting a return on capital (including financial and
impact returns), and investing
in someone we trust.
THE
impact of a goods and service tax on property prices may be part
of a driving force behind the increased
levels of residential property sales, especially
in the luxury bracket.
These risks and uncertainties include: Gilead's ability to achieve its anticipated full year 2018 financial results; Gilead's ability to sustain growth
in revenues for its antiviral and other programs; the risk that private and public payers may be reluctant to provide, or continue to provide, coverage or reimbursement for new products, including Vosevi, Yescarta, Epclusa, Harvoni, Genvoya, Odefsey, Descovy, Biktarvy and Vemlidy ®; austerity measures
in European countries that may increase the amount
of discount required on Gilead's products; an increase
in discounts, chargebacks and rebates due to ongoing contracts and future negotiations with commercial and government payers; a larger than anticipated shift
in payer mix to more highly discounted payer segments and geographic regions and decreases
in treatment duration; availability
of funding for state AIDS Drug Assistance Programs (ADAPs); continued fluctuations
in ADAP purchases driven by federal and state grant cycles which may not mirror patient demand and may cause fluctuations
in Gilead's earnings; market share and price erosion caused by the introduction
of generic versions
of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments to the Affordable Care Act or other government action that could have the effect
of lowering prices or reducing the number
of insured patients; the possibility
of unfavorable results from clinical trials involving investigational compounds; Gilead's ability to initiate clinical trials
in its currently anticipated timeframes; the
levels of inventory held by wholesalers and retailers which may cause fluctuations
in Gilead's earnings; Kite's ability to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits
of the Sangamo partnership; Gilead's ability to submit new drug applications for new product candidates
in the timelines currently anticipated; Gilead's ability to receive regulatory approvals
in a timely manner or at all, for new and current products, including Biktarvy; Gilead's ability to successfully commercialize its products, including Biktarvy; the risk that physicians and patients may not see advantages
of these products over other therapies and may therefore be reluctant to prescribe the products; Gilead's ability to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data from clinical studies may not warrant further development
of Gilead's product candidates, including GS - 9620 and Yescarta
in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes
in its stock price, corporate or other market conditions; fluctuations
in the foreign exchange rate
of the U.S. dollar that may cause an unfavorable foreign currency exchange
impact on Gilead's future revenues and pre-tax earnings; and other risks identified from time to time
in Gilead's reports filed with the U.S. Securities and Exchange Commission (the SEC).
Next we figure out the tax consequences
of buying a home (we calculate taxes at the federal, state and local
level) and consider how home value appreciation and mortgage payments
impact your equity
in the property.
Gallagher does a great job explaining this company that managed to hack travel
in a way that has
impacted almost all
of us on some
level.
In the Doug Purvis Memorial Lecture, Governor Stephen S. Poloz shows how changing the mix
of monetary and fiscal policies can yield the same outcomes for growth and inflation, but lead to different results for public sector and private sector debt
levels, which can
impact financial stability.
Actual results could differ materially from those expressed
in or implied by the forward - looking statements contained
in this release because
of a variety
of factors, including conditions to, or changes
in the timing
of, proposed real estate and other transactions, prevailing interest rates and non-recurring charges, store closings, competitive pressures from specialty stores, general merchandise stores, off - price and discount stores, manufacturers» outlets, the Internet, mail - order catalogs and television shopping and general consumer spending
levels, including the
impact of the availability and
level of consumer debt, the effect
of weather and other factors identified
in documents filed by the company with the Securities and Exchange Commission.
«
In Canada as in the U.S. and Europe, the most common question investment consultants are asked by clients about ESG is whether an ESG - based approach will negatively impact investment performance,» said Andrew Sweeney, Institutional Portfolio Manager at RBC Global Asset Management Inc. «This and other data from the survey reveal a high level of interest and curiosity about responsible investing, including areas of significant uncertaint
In Canada as
in the U.S. and Europe, the most common question investment consultants are asked by clients about ESG is whether an ESG - based approach will negatively impact investment performance,» said Andrew Sweeney, Institutional Portfolio Manager at RBC Global Asset Management Inc. «This and other data from the survey reveal a high level of interest and curiosity about responsible investing, including areas of significant uncertaint
in the U.S. and Europe, the most common question investment consultants are asked by clients about ESG is whether an ESG - based approach will negatively
impact investment performance,» said Andrew Sweeney, Institutional Portfolio Manager at RBC Global Asset Management Inc. «This and other data from the survey reveal a high
level of interest and curiosity about responsible investing, including areas
of significant uncertainty.
So,
in summary these are some
of the themes we might expect to see
in the next chapter — the
impact of technology and the growth
of Asia; the normalisation
of monetary conditions; the effects
of higher
levels of household debt; and the capability
of our workforce and businesses to be flexible, innovative and adaptable.
Since its inception
in 1887, the Greater Vancouver Board
of Trade has been recognized as Pacific Canada's leading business association, engaging members to positively
impact public policy at all
levels of government and to succeed and prosper
in the global economy.
Factors that could cause or contribute to actual results differing from our forward - looking statements include risks relating to: failure
of DBRS to rate the Notes at the anticipated ratings
levels, which is a closing condition, or at all; changes
in the financial markets, including changes
in credit markets, interest rates, securitization markets generally and our proposed securitization
in particular; the willingness
of investors to buy the Notes; adverse developments regarding OnDeck, its business or the online or broader marketplace lending industry generally, any
of which could
impact what credit ratings, if any, are issued with respect to the Notes; the extended settlement cycle for the scheduled closing on April 17, 2018, which may exacerbate the foregoing risks; and other risks, including those described
in our Annual Report on Form 10 - K for the year ended December 31, 2017 and
in other documents that we file with the Securities and Exchange Commission from time to time which are or will be available on the Commission's website at www.sec.gov.
Since its inception
in 1887, The Vancouver Board
of Trade has been recognized as Pacific Canada's leading business association, engaging members to positively
impact public policy at all three
levels of government and to succeed and prosper
in the global economy.
Risks associated with the Consumer Discretionary sector include, among others, apparel price deflation due to low - cost entries, high inventory
levels and pressure from e-commerce players; reduction
in traditional advertising dollars; increasing household debt
levels that could limit consumer appetite for discretionary purchases; declining consumer acceptance
of new product introductions; and geopolitical uncertainty that could
impact consumer sentiment.
There is therefore a sense that the current
level is relatively neutral
in terms
of its
impact on economic activity and inflation.
The bottom line is any new tool that helps Canadians build their retirement nest eggs through convenient and systematic savings through payroll deductions can have a powerful
impact on the eventual
levels of retirement income and importantly, the overall strength and stability
of our economy and society
in Canada.
Such risks and uncertainties include, but are not limited to: our ability to achieve our financial, strategic and operational plans or initiatives; our ability to predict and manage medical costs and price effectively and develop and maintain good relationships with physicians, hospitals and other health care providers; the
impact of modifications to our operations and processes; our ability to identify potential strategic acquisitions or transactions and realize the expected benefits
of such transactions, including with respect to the Merger; the substantial
level of government regulation over our business and the potential effects
of new laws or regulations or changes
in existing laws or regulations; the outcome
of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments; uncertainties surrounding participation
in government - sponsored programs such as Medicare; the effectiveness and security
of our information technology and other business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts
of war, terrorism, natural disasters or pandemics; our ability to obtain shareholder or regulatory approvals required for the Merger or the requirement to accept conditions that could reduce the anticipated benefits
of the Merger as a condition to obtaining regulatory approvals; a longer time than anticipated to consummate the proposed Merger; problems regarding the successful integration
of the businesses
of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion
of management's attention from ongoing business operations and opportunities during the pendency
of the Merger; potential litigation associated with the proposed Merger; the ability to retain key personnel; the availability
of financing, including relating to the proposed Merger; effects on the businesses as a result
of uncertainty surrounding the proposed Merger; as well as more specific risks and uncertainties discussed
in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section
of www.cigna.com as well as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section
of www.express-scripts.com.
Research conducted by Deskmag found that 71 %
of people
in a co-working space experienced an increase
in creativity, and 81 % who had previously worked from home had a positive
impact on their
levels of productivity.
Given 85 per cent
of Caltex earnings are from fuel - related sales and refining margins, «even the smallest
level of electric vehicle penetration would have a material
impact on earnings,» the fund wrote on its website
in October.
As a continuation
of its ethical sourcing commitment, Starbucks will launch a pilot program with select coffee farmers
in Costa Rica, Colombia and Rwanda to develop next -
level data technology to log and share real - time information along the journey
of coffee beans with the aim
of driving positive
impact to smallholder farmers within its supply chain.