Sentences with phrase «rates shifted over»

Of course, there's more to selecting a mortgage than a low rate, but it does prompt the question: how much have rates shifted over the decades?

Both of these can make local rates shift over time, and savvy consumers always look at how they may be able to re-negotiate their Santa Monica insurance policies.

Not exact matches

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).

The broad pattern of exchange rate and monetary policy regimes in emerging market economies has shifted dramatically over the past decade.

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.

The shift towards more sustainable packaging has made minor inroads with over 900 signatories of the Australian Packaging Covenant, committing to designing more sustainable packaging and increase recycling rates.

There are still a lot of question marks over the decision of the coaching staff to shift emphasis, but if they aim to remain consistent to the formula they have used this season so far, then it may very well be the case that the club need to look for a clinical finisher who can capitalise and utilise the movement and work rate of Luis Suarez as well as take some of the burden off him to score goals if the midfield aren't going to be able to contribute more.

Cuomo over the years has shifted his tone on the tax rates and in 2011 indicated keeping the rates as they were was an increase.

It's these that the team targeted: modifying the rate of shape - shifting let them control how the material changes over the course of several hours (Nature Communications, doi.org/bq8k).

«We found that on average, these rattlesnakes have shifted their suitable habitats over the last 320,000 years at a specific rate that is two to three orders of magnitude slower than how fast they will have to move to adapt over the next 90 to 100 years,» Lawing said.

Over that same period, movies with an R rating declined from 40 percent to 23 percent among the top 30, «paralleling a gradual shift of violent content in top - grossing movies from the R to PG - 13 category,» the researchers said.

But even as this paradigm shifted, treatment rates move slowly — only 8 percent fewer diagnosed patients received treatment over the timeframe studied.

The team used a new rating system to document these interactions, allowing them to determine the rank orders of male and female chimpanzees and watch how they shifted over time.

It is time for the evaluation debate over school choice to begin shifting its focus to real world outcomes, like high school graduation and college attendance rates.

D.C. graduation rates have increased over the last five years while enrollment has remained flat and demographics have remained largely the same, so the gains are more likely attributed to schools» efforts instead of population shifts.

All these cars had the Hurst Competition Shifter 4 - Speed Manual Transmissions and the Boss was rated very conservatively at 375 HP while actual output was believed to be well over 500 horsepower.

Trended credit data reflects patterns in borrower behavior, such as shifts in the number of balance decreases over time, or increases in the rate of a borrower's utilization — the portion of the individual's credit limit represented by their outstanding balances.

Remember, while these numbers slowly shift over time, the total you owe for principal and interest doesn't change on a fixed - rate loan.

But what of the shift in opinions regarding the level of the Fed Funds rate over time?

By adjusting the nominal interest rate to compensate for the effects of inflation, you are identifying the shift in purchasing power of a given level of capital constant over time.

As the Fed continues to normalize monetary policy after a protracted period of artificially low interest rates, yield - starved investors» concerns have shifted to worries over the impact rising interest rates may have on their portfolio.

This shift was begun in anticipation of what many expect to be a rising interest - rate environment over the next several years.

No immediate change in Fed policy is likely — winding down QE3 over the next few months as announced in December will continue, the Fed funds rate target won't shift from its current zero to 25 basis points and the yield on the ten year Treasury note won't rise by much.

In such a scenario, the customer can opt for taking a top - up over & above the balance transfer amount which can serve a dual purpose in terms of shifting high interest rate loan as well as getting additional funds.

At year - end 2017, Indian ETF assets stood at INR 78,000 crores (USD 12 billion), with an annualized growth rate of 76.6 % over the past four years.1 For India, the passive investing space gained popularity, with a good deal of interest in gold ETFs, but in the past few years, interest has shifted to equity ETFs, which have gained prominence.

His tactics shifted over time, but he was always looking to compound free cash flows at the best possible rate.

If you earn more than this then you will gradually shift over to the general tax rate of 15 %.

It is rough for anyone relying on ratings during the bust of the cycle, because the philosophy shifts from «ratings are made over a full credit cycle» to «ratings should last until lunchtime, maybe, uh, look the stock price is down 5 %, post a downgrade.»

But because money market rates change over time in response to economic shifts and changes at banks, it's critical to not simply glance at the rate you see on the bank's window or website and assume that that's all there is to know.

Whilst many have forecasted PC games revenue to decline over the next few years, Niko Partners has maintained that the PC games market will continue to grow, albeit at a slower rate due to continued pressure from the mobile shift and the law of big numbers.

A quick glance at Metacritic shows that it's the third - party titles that are scoring highest, with Ubisoft's Rayman Origins and Lumines conversions at the top of the heap, and hardcore gems Super Stardust Delta and BlazBlue: Continuum Shift Extend also attracting average ratings over over 80.

*** «Perhaps concern over «uncertainty» in complex, adaptive, open systems should be investigated by inductive generalization from observations of the dynamics of a wide range of such systems: ecosystems, social systems, computer systems, immune systems, economic systems... It is curious that the following things are never admitted as «facts about the world,» but here goes: the observer would note of all of these systems that they undergo oscillations within apparent parameters and occasionally flip into new regimes; they often demonstrate novel emergence; and that increased forcing, whether of native elements or exotic ones, increases the rates of oscillation and catastrophic shifts, sometimes after a quieter period of sub-threshold build - up.

-- What's the mean avg growth in global CO2 and CO2e last year and over the prior ~ 5 years — What's the current global surface temperature anomaly in the last year and in prior ~ 5 years — project that mean avg growth in CO2 / CO2e ppm increasing at the same rate for another decade, and then to 2050 and to 2075 (or some other set of years)-- then using the best available latest GCM / s (pick and stick) for each year or quarter update and calculate the «likely» global surface temperature anomaly into the out years — all things being equal and not assuming any «fictional» scenarios in any RCPs or Paris accord of some massive shift in projected FF / Cement use until such times as they are a reality and actually operating and actually seen slowing CO2 ppm growth.

This shows an apparent decreasing SL over the 18thC, shifting in the early 19thC to a long - term rate of rise of 1.7 to 2.0 mm / year since then.

With the recent decline in solar flux and the shift to cool phases of ocean oscillations, natural climate change suggests that although glacier retreat and sea level rise will likely continue over the next few decades, the rates of sea level rise and glacier retreats will slow down.The next decade will provide the natural experiment to test the validity of competing hypotheses.

This analysis is probably floored, and the economics probably a little better because power prices will rise over time and batteries partially cycle from moment to moment and so can actually shift more power but this is of little economic benefit when net metering is available (giving near retail rates to exported power) and so the fact remains batteries are still uneconomic by a factor of 300 % even with the SGIP.

«One big shift is the rate of GDP growth in China which for first decade of this century averaged over 10 %... that has now declined to little over 7 %,» he said.

The Arctic ice sheet is thinning, and most of the planet's glaciers are retreating as climates warm, so the Jakobshavn glacier is carrying less ice, at a faster rate, over shorter distances than ever before, and by the end of the century could have shifted 50 kilometres upstream.

(Interesting side note, this rate and also the absolute CO2 emission from electricity generation in NY state has declined substantially over the past 30 years — mostly due to a shift from coal to natural gas.)

These portions should increase over time as fixed - rate premiums increase, since they will lose the cross-subsidy from lower - annual - mileage motorists, eventually causing the market to shift to PAYD pricing, although this would probably take a decade or so.

Moreover, these plans shift the risk from the customer over to the insurer and even if interest rates fluctuate, it won't affect customers by any margin.

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However a picture over the past 5 to 10 years has been evolving, and that now shows a shift of the mortality rates from the 16 year olds to the 18 to 19 year olds.

The position of the Arctic Circle is not fixed and, over the course of the slow and cyclical 40,000 year shifting of the Earth's axial tilt, it fluctuates by a margin of two degrees — at the point of the cycle we're now in, it is drifting northwards at a rate of 49 feet (15 meters) per year.

Many people have to take out a few of the collateral they have designed over the years having a cash - out refinance mortgage while some need to shift from an adaptable rate house loan to some fixed price mortgage.