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and National City tried to convince the Fed to raise the Regulation Q ceilings so that it could continue to attract deposits When the Fed refused, the bank then turned to accepting deposits offshore, which did not require reserve requirements The money was then loaned back into the United States, completely circumventing the Fed s control Nader s group was not exposing anything that the banking community did not already know, but revelations of that sort surprised outsiders and showed how the Fed and other regulators often played catch-up with the banks rather than leading them For his part, Walter Wriston told his employees to ignore Nader s researchers as they interviewed dozens of National City employees20 Building upon this success with more products, First National City, renamed Citibank in 1976, would emerge as the dominant and most aggressive bank of the postwar period.

For example, if an executive ran a division of a large bank, he or she should be compensated mainly on that division s performance, rather than the stock price of the whole bank Because Congress applied its new restrictions on executive compensation to all institutions that have received, or will receive, federal assistance under TARP, it recognized that some banks would object to the retroactive application of these restrictions Accordingly, the 2009 Stimulus Act speci cally permitted any TARP recipient to repay any federal assistance, even if the institution did not raise capital from other sources or did not complete the initial three-year waiting period for.

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A good testing environment is one that very closely operates like the intended or existing production environment and is totally controlled by the test team The closer the testing environment resembles the production environment, the more valid the test results become In many cases, the testing environment can be set up truly identical to the production environment Testing in this kind of duplicate environment gives the developer and the end user an exceptionally accurate view of how the new software will behave in production Test team control of the testing environment has two major bene ts The rst bene t relates to the controlled repeatability of all testing When the test team does control the testing environment, then the team knows exactly what versions of software components are in the testing environment at all times, as well as the state of all test data les.

As banks began testing the waters to determine whether they could enter any part of the securities business, Citibank found several areas worth exploring that set off howls of protest from Wall Street In the early 1970s, municipal revenue bonds were still an issue on Wall Street, and Citibank established a presence in municipal bonds; however, when the bank began offering investment advice to investors, Wall Street sensed real danger Banks wanted to offer brokerage and investment services and buy seats on the NYSE The Glass-Steagall Act had always been revered on Wall Street because it protected the investment banks from their larger brethren The more the act was questioned, the more loopholes it appeared to have The banks were intent on exploring all of them.

erence is being made to a key. Its refer attribute contains the name of the key that is being referenced. The value in the refer attribute of the <xsd:keyref> element must match the value of a name attribute of an <xsd:key> element. That is the mechanism by which, in more complex documents, we can be sure that we are associating the appropriate pair of key and key reference. Within the <xsd:key> element, we find an <xsd:selector> element and an <xsd:field> element. The values of the xpath attributes of those elements define the location of the key in the instance document. The XPath location paths show that the key is contained in the LocationID attribute of the <Location> element that is a child of a <Locations> element.

As defects are detected in the software, the tester can repeat the test and con rm the defect discovery for anybody who needs to see the defect demonstrated like the developers The second bene t of a tester-controlled environment is the testers ability to plan and execute tests without being interfered by or interfering with development activity The testers drive the test schedule, whether it is to complete a certain set of tests by a certain date or to rerun a set of tests to validate correction of previously detected defects A nal implication of tester control of the testing environment is that testers can ensure that no software corrections are made directly in the testing environment Modify a previously tested piece of code, and the previous test results are null and void.

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