microsoft office for non-profit organizations Well, as it or not, the financial landscape has changed dramatically. Now inside your, banks must adopt more proactive deposit management methods, acknowledging it is quite crucial to include deposit structure risk in the institution's long-term risk management strategies. The truth is that a bank cannot effectively manage its risks if it's not evaluating all choices in the efforts to correctly manage and price its deposit-products. The rubber hose in the engine compartment will be used for a long time and it will be a problem for older vehicles. Once aging, gasoline can leak into the engine compartment. The air conditioning system will allow the smell of petrol to enter the car. Therefore, once the rubber tube is old, need to change promptly! All things in the world are constantly moving. In all attributes of matter, motion is the most basic attribute, and other attributes are specific manifestations of motion attributes. For example, spatial attribute is the broad embodiment of physical activity. Time attribute is the persistence of material movement. Material movement form is varied, for each specific material movement form the corresponding form of energy, such as: and macro mechanical movement of the object corresponding to the form of energy is kinetic energy; The energy form corresponding to the molecular motion is heat energy; The energy form corresponding to the atomic motion is chemical energy; The energy form corresponding to the directional motion of charged particles is electric energy; The energy form corresponding to the photon motion is light energy; And so on. The motion characteristics of two objects can be described and compared by some physical quantity or chemical quantity. For example, two objects that make mechanical motions can be described and compared by physical quantities such as speed, acceleration and momentum. The current can be described and compared with current strength, voltage, power and so on. , but when the movement form phase at the same time, not two material movement characteristics only can describe and compare each other quantities is energy, the energy feature is moving all the common characteristics of material, energy scale is measure all movement in the form of a general. Thus, a new philosophical definition of energy can be made. In the face of market failure, coase has given the opposite answer: external-utility problems can be solved by explicitly using the market, without government intervention. And zhang wuchang is more absolute, he said that there is no so-called external utility, there is only unclear property rights. Anyway, coase brought revolutionary innovation to market concepts. He made it clear that the key to the market was not the "price mechanism" of impersonal machinery, but the power of participants in economic activity.