Smart beta or factor indices provide exposure to a wide range
of additional factors which investors may find attractive.
In addition to the reverse line movement, there have been a number
of additional factors which point to value on the Raiders.
Not exact matches
Important
factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability
of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for
additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost
of accommodating, announced increases in the build rates
of certain aircraft; 6) the effect on aircraft demand and build rates
of changing customer preferences for business aircraft, including the effect
of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result
of global economic uncertainty or otherwise; 8) the effect
of economic conditions in the industries and markets in
which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution
of key milestones such as the receipt
of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation
of our announced acquisition
of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with
additional customers; 12) the ability
of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk
of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production
of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts
of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak
of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact
of future discount rate changes on pension obligations; 17) our ability to borrow
additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition
of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect
of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect
of changes in tax law, such as the effect
of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations
of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect
of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability
of raw materials and purchased components; 23) our ability to recruit and retain a critical mass
of highly - skilled employees and our relationships with the unions representing many
of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our
additional capital needs or for payment
of interest on, and principal
of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness
of any interest rate hedging programs; 28) the effectiveness
of our internal control over financial reporting; 29) the outcome or impact
of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition
of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result
of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks
of doing business internationally, including fluctuations in foreign current exchange rates, impositions
of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.
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.
This is due to the fact that the value
of a condo unit is subject to
additional risk
factors, many
of which are outside the borrower's control.
There could be several
factors that had investors on edge — including news that North Korea had completed a fifth nuclear missile test and the European Central Bank had declined to announce
additional measures to help stimulate Europe's sluggish economy — but many strategists pointed to a speech Friday morning by Federal Reserve Bank
of Boston President Eric Rosengren, in
which he said that «a reasonable case can be made» for tightening interest rates in the U.S..
In fact, a broad range
of emerging - market assets enjoyed a favorable backdrop, boosted by a number
of additional factors, including solid demand from China —
which bolstered revenues for many commodity producers — and an absence (to date)
of protectionist trade measures from the Trump administration.
An
additional factor which has, at the margin, increased the demand for Australian - dollar assets is demand from other central banks to hold Australian dollars as part
of their international reserves.
An
additional factor cited was the fact that 50 percent
of Cook County's tax base is located in Chicago,
which just suffered its recent triple - notch downgrade due to massive pension liabilities.
Examples
of these risks, uncertainties and other
factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Comm
factors include, but are not limited to the impact
of: adverse general economic and related
factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Comm
factors, such as fluctuating or increasing levels
of unemployment, underemployment and the volatility
of fuel prices, declines in the securities and real estate markets, and perceptions
of these conditions that decrease the level
of disposable income
of consumers or consumer confidence; adverse events impacting the security
of travel, such as terrorist acts, armed conflict and threats thereof, acts
of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread
of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment
of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise
additional capital to fund our operations, and to generate the necessary amount
of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion
of our assets pledged as collateral under our existing debt agreements and the ability
of our creditors to accelerate the repayment
of our indebtedness; volatility and disruptions in the global credit and financial markets,
which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss
of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price
of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times
of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability
of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in
which we operate; and other
factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Comm
factors set forth under «Risk
Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Comm
Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.
With massive and increasing structural deficits; exploding debt in all sectors; hostile demographics; social and political fracturing and disintegration; grotesque wealth inequality; extraordinary global trade competition; a complete collapse
of respect for vital government organizations such as the Justice Department and FBI,
which the people now realize have gone rogue; an extremely complex and corrosive global geopolitical environment; the real prospect
of war, potentially nuclear and worldwide; not to mention numerous
additional factors, we can only point to few other times in history more dangerous to the people's financial welfare, and therefore more overall bullish for gold, one
of the only financial sanctuaries proven to work in times
of dislocation.
Aristotle states explicitly that
of the many senses
of the word, «nature,» the first and most proper is that by
which «nature» means that principle that allows an entity, over and above its adventitious processes, itself to grow) 12 «Nature» is entity in the sense
of form, with the
additional condition that it is now regarded as «in some sense the
factor which initiates movement and rest «13
of just those processes that take place within the concrete being itself that «has» the nature.
All
of which is aggravated by two
additional factors: a mainstream media
which is largely uninformed about religion, and often hostile to people
of faith, and a growing number
of self - professed Christians who are abetting the secularization
of America.
An
additional complicating
factor for high school football programs is the question
of whether a football helmet to
which an impact sensor has been affixed violates the rules
of the National Federation
of State High School Associations (NFHS) or
of a state high school athletic association.
Have to say though that I'm thankful these strange pregnancy symptoms are only minor irritants, and I'm loving pregnancy so far and I'm lucky that apart from a couple
of additional medical
factors which mean I'm at various clinics at the hospital every week or so, it's been pretty stress free.
School districts in some states, including all five surveyed, may have
additional protection under «recreational use» statutes,
which offer immunity from certain claims against landowners who open their property to the public for recreational use.10 In states with broad recreational use statutes, such as Indiana, opening school kitchen facilities could be considered a protected activity under the law, depending on the circumstances
of the use and other
factors.11 However, in Massachusetts, protection for recreational activities extends only to purposes that are «scientific, educational, environmental, ecological, research, religious, or charitable,» 12 so the state's statute might not apply when districts allow for - profit groups to use school kitchens.
Additional evidence from studies
which have looked at other aspects
of social support such as the level
of received support or sources
of social support also provided evidence to support the hypothesis that the level
of social support is an important
factor in postpartum depression and that if social support is absent then it can be a potential risk
factor for postpartum depression.
A possible
additional factor (although I don't know
of any proof
of such theory aside from it making too much damned sense to not be true), the removal
of Saddam and subsequent events - had they not been FUBARED in execution - had a chance
of strongly splitting Sunni vs Shia Islam politically on a global scale,
which would have been a very big benefit to USA geopolitically.
A limitation
of this study is that the method
of acupuncture did not fully mimic traditional Chinese medicine
which could include herbal mixtures, so that
additional factors beyond acupuncture weren't added to the study data.
To understand if cell sex might be an
additional important
factor influencing outcomes, the team incubated nanoparticles with human amniotic stem cells (hAMSCs)
which were extracted from the amniotic layer
of placenta attached to male and female fetuses.
Identifying these
factors will require
additional studies,
which may ultimately lead to the identification
of novel anti-melanoma therapeutics.
The team also recently completed another paper, «Phenomenology
of semileptonic B meson decays with form
factors from lattice QCD,» in
which they make
additional predictions for related rare decays that have not yet been experimentally observed.
«Once
additional key clinical and genetic
factors are identified, infants who are determined to have a low risk
of requiring medication can be sent home without prolonged monitoring, and those who are predicted to have a difficult clinical course can be started on more aggressive treatment earlier,
which will lead to shorter hospitalizations and improved outcomes.»
In addition, the bioengineered growth
factors showed that they could mimic interactions in the formation
of a blood clot,
which would be
additional beneficial to wound - healing.
«GECCO aims to continue to discover
additional colorectal cancer - related variants by investigating how genetic variants are modified by other environmental and lifestyle risk
factors, including biomarkers as well as how they influence patient treatment response and survival,» Peters said, emphasizing how much further research is required to uncover the specific mechanisms by
which genes modulate the intake
of certain foods on colorectal cancer risk.
Once the bacterial cell signaling protein cagA reaches the host cytosol, it is capable
of altering subsequent generations
of progenitor cells, leading to the development
of cancer through changes in mitotic activity, apoptosis, cellular assembly, and signaling.26 Although it should be noted that while the presence
of the cagA protein doubles the risk
of gastric cancer, cagA - negative strands also increase the risk
of distal gastric cancer.27
Additional H pylori virulence
factors include babA2,
which encodes bacterial adhesion with gastric epithelial cells, and vacuolating cytotoxin A,
which is encoded by the gene vacA.28, 29 H pylori strains carrying some combination
of the babA2, cagA, and vacA genes were associated with the highest risk
of developing intestinal metaplasia.
A limitation
of this study is that the method
of acupuncture didn't fully mimic traditional Chinese medicine
which could include herbal mixtures so that
additional factors beyond acupuncture weren't added to the study data.
These risks and uncertainties include, among others, those relating to our ability to obtain financing and to form collaborative relationships, uncertainty regarding potential future deterioration in the market for auction rate securities
which could result in
additional permanent impairment charges, our ability to develop and market diagnostic products, the level
of third party reimbursement for our products, risks related to preclinical and clinical development
of pharmaceutical products, including the identification
of compounds and the completion
of clinical trials, the effect
of government regulation and the regulatory approval processes, market acceptance, our ability to obtain and protect intellectual property rights for our products, dependence on collaborative relationships, the effect
of competitive products, industry trends and other risks identified in deCODE's filings with the Securities and Exchange Commission, including, without limitation, the risk
factors identified in our most recent Annual Report on Form 10 - K and any updates to those risk
factors filed from time to time in our Quarterly Reports on Form 10 - Q or Current Reports on Form 8 - K.
Gerard Schellenberg, Ph.D., University
of Pennsylvania School
of Medicine in Philadelphia, leads the consortium,
which aims to identify the
additional risk
factor genes for late - onset AD.
The scientists also used the chemicals to improve direct cardiac reprogramming
of human cells,
which is a more complicated process that requires
additional factors.
Here, we identify three
additional novel mutant alleles
of the SHELL gene,
which encode a type II MADS - box transcription
factor, and determine oil yield via control
of shell fruit form phenotype in a manner similar to two previously identified mutant SHELL alleles.
Each location gets separately one
of the four reliability scores (Enhanced, Supported, Approved, and Uncertain),
which results together with
additional factors (e.g. correlation
of the signal strength to RNA - seq data, similarity between sibling antibodies) in an overall gene reliability score.
For consumption, we used the midpoint
of the reported number
of cigarettes per day — for example, three cigarettes per day if the category was one to five cigarettes per day —
which we then adjusted for carboxyhaemoglobin and cotinine because this allows for lower inhalation with increasing cigarette consumption as previously established.14 For studies that reported relative risks adjusted for age (or for
additional factors), the model contained the logarithm
of the relative risk (dependent variable) and consumption (independent variable) using only the midpoint
of the cigarettes per day categories.
They showed genetically that there was an
additional response coming from the transcription
factor — Forkhead box O (Foxo)--
which in turn enhances the transcription
of one
of the translational regulators: eukaryotic initiation
factor 4E binding protein (4E - BP).
Such zones are bounded by the range
of distances from a star for
which liquid water can exist on a planetary surface, depending on such
additional factors as the nature and density
of its atmosphere and its surface gravity.
However, this has been strongly criticised (Vigotsky et al. 2015a; Vigotsky et al. 2015b), not least because the electric potential difference within muscles,
which is measured by EMG amplitude, is a function
of both muscle fiber recruitment and motor unit firing frequency, as well as
of several
additional peripheral
factors (Kuriki et al. 2012).
Now 3DS owners can experience this almost perfect arcade game
which even though is almost identical to the Wii version, it incorporates a few features
of the 3DS into the title such as 3D and an
additional nine stages to increase the longevity and enjoyment
factor.
Several scholars will present
additional papers that identify
factors which cause or are correlated with system improvement either within the United States or internationally, and we will have practitioners join us from many
of the most improved places to speak to their state's or countries» experiences.
BUSINESS AS USUAL The use
of modular construction radically reduces both disruption to teaching and time on - site, both
which are essential
factors when schools have an urgent requirement for
additional school places
This more - nuanced form
of signaling also increases the stakes for students, since it gives college admissions officers and potential employers
additional information with
which to evaluate candidates — an especially important
factor in an era
of grade inflation.
There is an
additional factor to consider, at a recent seminar TravLaw LLP, another specialist law firm were asked how the current and proposed update to the Package Travel Directive, a European wide regulation
which puts strict controls on organisers
of travel packages, affects schools self - organising.
The use
of modular construction radically reduces both disruption to teaching and time on - site, both
which are essential
factors when schools have an urgent requirement for
additional school places.
The first tier involves early identification and assessment
of at - risk students, the second tier includes referral to community resources for
additional support services and the third tier enhances protective
factors which increase resilience and provide defense against stressors.
It provides
additional background information on the players and actions that led to the Vergara case, the degree to
which the case has become a
factor in California's state elections, and the ripple effects it's creating in other states (like New York) facing the prospect
of similar suits.
They'll weigh
factors such as: how many copies you've sold, how large the potential audience seems to be, whether there are
additional countries in
which they might be able to sell the book that you haven't been able to access, whether you've covered most
of the major media already or there might be room for
additional media coverage, and whether you have ongoing events where books might be sold.
This is due to the fact that the value
of a condo unit is subject to
additional risk
factors, many
of which are outside the borrower's control.
Which instrument to use depends on your specific situation, debt type and size, credit score, and a number
of additional factors.
The risk
factor «There Is Risk That Our Auction Rate Securities Will Not Settle At Auction And We May Experience
Additional Other Than Temporary Declines In Value,
Which Could Cause
Additional Charges To Be Realized On Our Statement
Of Operations» has been revised to include first half fiscal 2009 financial information.
Though exploiting the disposition effect can be a profitable strategy, there is an
additional factor influencing the speed
of change, making returns more predictable — and that is knowing the reference point, the price at
which someone purchased the stock.
Loan approval is based mainly on a person's credit score,
which in turn is based on a number
of factors such as the person's payment history, the amount
of additional debt that the person is carrying, and the person's credit score.