Sentences with phrase «rate cycle changes»

Not exact matches

Digital lenders haven't yet been through a credit cycle or dealt with a changing interest rate environment.

In contrast, the U.S. Federal Reserve is in the middle of a rate - hiking cycle although no changes to monetary policy are expected when the bank concludes a two - day meeting on Wednesday.

Chart 2 shows the historical positive correlation between changes in the Fed Funds rate and the profits cycle.

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).

These risks include, in no particular order, the following: the trends toward more high - definition, on - demand and anytime, anywhere video will not continue to develop at its current pace or will expire; the possibility that our products will not generate sales that are commensurate with our expectations or that our cost of revenue or operating expenses may exceed our expectations; the mix of products and services sold in various geographies and the effect it has on gross margins; delays or decreases in capital spending in the cable, satellite, telco, broadcast and media industries; customer concentration and consolidation; the impact of general economic conditions on our sales and operations; our ability to develop new and enhanced products in a timely manner and market acceptance of our new or existing products; losses of one or more key customers; risks associated with our international operations; exchange rate fluctuations of the currencies in which we conduct business; risks associated with our CableOS ™ and VOS ™ product solutions; dependence on market acceptance of various types of broadband services, on the adoption of new broadband technologies and on broadband industry trends; inventory management; the lack of timely availability of parts or raw materials necessary to produce our products; the impact of increases in the prices of raw materials and oil; the effect of competition, on both revenue and gross margins; difficulties associated with rapid technological changes in our markets; risks associated with unpredictable sales cycles; our dependence on contract manufacturers and sole or limited source suppliers; and the effect on our business of natural disasters.

The official poverty statistics show a sharp decline in the poverty rate between 1959 and 1969 but little real change since then, apart from fluctuations due to the business cycle.

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.

In talking about monetary policy's contribution to the management of the economic challenges, the speech notes the recent increases in mortgage rates of the commercial banks, outside of the cycle of changes in the cash rate.

Additionally, the U.S. economy has dramatically changed over the past several years, with structural factors (largely the result of technological innovation and shifting demographic trends) influencing it in a manner that makes comparisons to past rate hiking cycles less relevant.

As seen in prior cycles, changes in short - term interest rates alone had yielded little effect on financial conditions, as buoyant risk sentiment strengthened equities, corporate bonds, as well as various forms of «esoteric» investments.

As households have simultaneously increased their debt levels and equity holdings, they are now much more exposed to changes in interest rates and equity prices than has been the case in previous cycles.

And that's before accounting for some of the factors that the model doesn't consider: the disagreement in the polls, the unusual nature of Trump's candidacy and the demographic changes it is producing, Clinton's superior turnout operation, the possibility of «shy Trump» voters, the fact that the news cycle is still somewhat fluid headed into the final weekend, the declining response rates to polls, and the substantial number of high - profile polling misses around the world over the past few years.

Measuring - Temperature and Thermometers Classifying Components of Mixtures Predicting - Surveying Opinion SAPA Part C, Directions for the Multiplication Game SAPA Part C and E, Multiplication Game SAPA Part D 1st Draft, c. 1972 The Whirling Dervish The Bouncing Ball The Effect of Liquid on Living Tissue Rate of Change Observing Growth from Seeds An Intro to Scales Forces on Static and Moving Objects Observations and Inferences Using Punch Cards to Record a Classification Using Maps to Describe Location A Tree Diary SAPA Part D 2nd Draft Observations and Inferences The Bouncing Ball Rate of Change A Tree Diary An Intro to Scales and Scaling Observing Growth from Seeds (The Bean - It Came Up) Forces on Static and Moving Objects Using Punch Cards to Record a Classification Relative Position and Motion Inferring - The Water Cycle Predicting 4 - The Suffocating Candle The Big Cleanup Campaign 2 - D Representation of Spatial Figures Using Maps to Describe Location SAPA Part D Tryout Draft, 1972 Observations and Inferences The Bouncing Ball Measuring Drop by Drop Rate of Change Predicting 4 - The Suffocating Candle Forces on Static and Movign Objects Observing Growth from Seeds Using Space / Time Relationships -2-D Representation of Spatial Figures Using Punch Cards to Record a Classification An Introduction to Scales and Scaling The Effect of Liquid on Living Tissue Inferring - The Water Cycle Relative Position and Motion Using Maps to Describe Location The Big Cleanup Campaign A Tree Diary SAPA II Module (s), c. 1973 1, Tentative Format Sample, Perception of Color 9, Sets and Their Members 6, Direction and Movement, Draft 34, About How Far?

According to Klump, not only did rates of emotional eating change across the menstrual cycle, but the degree to which genes influenced eating patterns changed as well.

Earth System Threshold Measure Boundary Current Level Preindustrial Climate Change CO2 Concentration 350 ppm 387 ppm 280 ppm Biodiversity Loss Extinction Rate 10 pm > 100 pm * 0.1 - one pm Nitrogen Cycle N2 Tonnage 35 mmt ** 121 mmt 0 Phosphorous Cycle Level in Ocean 11 mmt 8.5 - 9.5 mmt — 1 mmt Ozone Layer O3 Concentration 276 DU # 283 DU 290 DU Ocean Acidification Aragonite ^ ^ Levels 2.75 2.90 3.44 Freshwater Usage Consumption 4,000 km3 ^ 2,600 km3 415 km3 Land Use Change Cropland Conversion 15 km3 11.7 km3 Low Aerosols Soot Concentration TBD TBD TBD Chemical Pollution TBD TBD TBD TBD * pm = per million ** mmt = millions of metric tons #DU = dobson unit ^ km3 = cubic kilometers ^ ^ Aragonite is a form of calcium carbonate.

Finney believes that changes in climate cause the cycles in salmon populations, and as scientists struggle to understand the rate and effects of global warming, salmon may help them distinguish normal climate variations from the early warnings of a system gone dangerously wrong.

Given the current dramatic rate of change in the ocean nitrogen cycle the researchers are not sure how long it will take for marine ecosystems to adapt.

And he points out that using layer thickness to measure Milankovitch cycles requires a risky assumption: that the rate of sediment accumulation, which built these layers, did not change much over 32 million years.

«We started from scratch and she wanted to know glacial cycles, rate of deforesting, solar variability — all of the issues that could impact climate and why I think that humans are the main driver of climate change,» he explained afterward at a debriefing with colleagues at a pub on Capitol Hill.

Scientists have long known that small changes in Earth's water cycle could lead to large, although temporary, changes in the rate of sea level rise.

In a paper published in Science Advances, he proposes that mass extinction occurs if one of two thresholds are crossed: For changes in the carbon cycle that occur over long timescales, extinctions will follow if those changes occur at rates faster than global ecosystems can adapt.

«we estimate that less than 23 %, at the 95 % confidence level, of the 11 - year cycle changes in the globally averaged cloud cover observed in solar cycle 22 is due to the change in the rate of ionization from the solar modulation of cosmic rays.»

It has been argued that the land amplification is associated with lapse rate changes (not represented in the UVic model), and it is certain that drying of the land can play a role (not reliable in the UVic model since diffusing water vapor gives you a crummy hydrological cycle, especially over land).

Rate of Change: These centennial cycles tend to have steep warming trends, or segments, followed by steep cooling segments.

Cycle The Kind Of Aerobic Activity Being Used: Changing up the aerobic exercises prevents the body from getting so good at a specific activity that it becomes hard for you then to raise your heart rate.

Thus, with higher growth rates and faster technological and structural change, people with vocational training may be more likely to be out of the labor market later in the life cycle.

Year 4 Science Assessments Objectives covered: Recognise that living things can be grouped in a variety of ways Explore and use classification keys to help group, identify and name a variety of living things in their local and wider environment Recognise that environments can change and that this can sometimes pose dangers to living things Describe the simple functions of the basic parts of the digestive system in humans Identify the different types of teeth in humans and their simple functions Construct and interpret a variety of food chains, identifying producers, predators and prey Compare and group materials together, according to whether they are solids, liquids or gases Observe that some materials change state when they are heated or cooled, and measure or research the temperature at which this happens in degrees Celsius (°C) Identify the part played by evaporation and condensation in the water cycle and associate the rate of evaporation with temperature Identify how sounds are made, associating some of them with something vibrating Recognise that vibrations from sounds travel through a medium to the ear Find patterns between the pitch of a sound and features of the object that produced it Find patterns between the volume of a sound and the strength of the vibrations that produced it Recognise that sounds get fainter as the distance from the sound source increases Identify common appliances that run on electricity Construct a simple series electrical circuit, identifying and naming its basic parts, including cells, wires, bulbs, switches and buzzers Identify whether or not a lamp will light in a simple series circuit, based on whether or not the lamp is part of a complete loop with a battery Recognise that a switch opens and closes a circuit and associate this with whether or not a lamp lights in a simple series circuit Recognise some common conductors and insulators, and associate metals with being good conductors

Directly, that translates to 372 miles, though VW notes in the U.S. driving cycle it's likely to be rated at 270 miles unless driving range calculations suddenly change between now and when a production version of the BUZZ goes on sale.

The 2016 Chevrolet Malibu Hybrid (earlier post) is EPA - rated at 46 mpg (5.11 l / 100 km) combined, 47 mpg city and 46 mpg highway; the powertrain shares the transmission architecture with the 2016 Chevrolet Volt extended range electric vehicle (EREV), but includes changes to optimize the system for engine - driven charge - sustaining operation in the range of conditions represented by the US EPA 5 cycle fuel economy tests.

For 2016 the EPA changed how it rates hybrids with tougher drive cycles.

While private loans may enjoy lower rates during low interest rate cycles, the fact is that there's always a risk of rate level changes, and the possibility that rates jump up at some point, making payments less affordable or comfortable.

Any variable rate adjustment based on a change in the Prime Rate and your corresponding index or margin will be effective as of the first day of the current billing cycle, and will apply to all new and outstanding Account balances and transactions subject to that variable rrate adjustment based on a change in the Prime Rate and your corresponding index or margin will be effective as of the first day of the current billing cycle, and will apply to all new and outstanding Account balances and transactions subject to that variable rRate and your corresponding index or margin will be effective as of the first day of the current billing cycle, and will apply to all new and outstanding Account balances and transactions subject to that variable raterate.

Inflation and real rate cycles tend to persist, so when you see a change, be willing to act.

The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July and October) and changes are effective as of the first date of your next billing cyRate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July and October) and changes are effective as of the first date of your next billing cyrate published in The Wall Street Journal quarterly (January, April, July and October) and changes are effective as of the first date of your next billing cycle.

Low Introductory APR on balance transfers of 1.99 % for your first 6 billing cycles, this rate will not change during the introductory period.

The interest rate cycle is about to change and the flow of funds is slowly changing in capital markets.

Interest rates are also posted on Account detail pages; for these pages, any changes to interest rates are updated in the nightly processing cycle on the effective date of the change.

For this cycle, and for the moment, more important than any small change in the overnight rate is that the Federal Reserve has begun to step away from actively and directly supporting the mortgage market though purchases Mortgage - Backed Securities (MBS) and Treasuries.

It also should be noted that the economy seems to be particularly sensitive to interest - rate changes in this cycle, so there is a risk for unintended economic damage if the Fed moves too fast or too far.

A change in the prime rate will take effect on the first day of the first billing cycle after the change.

This will likely change moving forward as we are about to begin a new interest rate cycle that many have not witnessed or simply forgot what it felt like.

10 year is a very long period and interest rate cycles do change which can impact the returns.

Generally speaking the longer the term of a bond the greater the sensitivity that bond will have to the movement in interest rates, changes in the credit quality of a company or company risks associated with the business cycle of a specific company, sector or economy.

Fluctuations in the business cycle are essentially distinct changes in the rate of growth in economic activity.

If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month.

When the Prime Rate changes, the resulting changes to Variable APRs take effect as of the first day of the next Billing Cycle.

Further research will be required to investigate if this fluctuation carries features of projected future climate change and the CO2 growth rate anomaly has been a first indicator of a developing positive feedback between climate warming and the global carbon cycle.

We can, therefore, compare the present warming trends (and warming / cooling cycles; think about the «mini-ice age» of the 19th Century) with the geological record and make statistical extrapolations about changing rates and develop hypotheses about causes (whichh, basically, is what current climate scientists have been doing).

Since carbon cycle models allow us to understand past changes in atmospheric CO2 and 13C concentrations it is also possible to use these models to infer the 14C production rate based on measured 14C concentrations in tree rings.

People have ignored the fact that when we started «contributing» CO2 at such an accelerated rate we were already at the «local maximum» of the carbon / ice age cycle (Link: / / en.wikipedia.org/wiki/Image:Vostok-ice-core-petit.png) What Hansen is saying is the only real choice if we don't want to radically change the planet's climate.