As much of the developed world continues to dig out from the impact of the 2008 financial crisis, a team of researchers at Harvard and in London has created a model of bank failure aimed at helping economies avoid crashes. Their work highlights a fundamental dilemma for regulators: Improving the safety of individual banks may make the financial system as a whole more dangerous.Developed by Nicholas Beale, chairman of Sciteb, a consulting firm based in London, and David Rand and Martin Nowak, researchers at Harvard’s Program for Evolutionary Dynamics, the model considers risks to financial systems rather than those faced only by individual banks. The team’s paper, Individual Versus Systemic Risk and the Regulator’s Dilemma, appears online in the Proceedings of the National Academy of Science Early Edition.“We used a simple model to illustrate an idea that, on reflection, people understand instinctively,” says Rand. “When many banks do the same thing, simultaneous bank failures become very likely.”Therefore, the authors argue, it is not enough to ensure that every bank is diversified and pursuing a low-risk strategy. “You want the banks to be diversified,” Rand says, “but in different ways, so that the conditions that would cause one bank to fail would be different than the conditions that would cause another bank to fail.” Regulators should therefore promote “diverse diversification,” and encourage individual banks to pursue risk strategies that are distinct from those of their competitors, even if this increases the risk that any one bank might fail.The good news, according to Rand and Beale, is that the financial crisis has spurred regulators to think about the stability of financial systems as a whole. In this climate, the authors hope regulators will encourage banks to pursue more distinctive strategies in order to create a more resilient financial system. “We believe this can be achieved without a central authority directing the banks in particular areas,” says Beale.Instead, he envisions a regulatory scheme that encourages diversity by basing the amount of capital a bank is required to hold on the extent to which its investment strategy contributes to systemic risk. “With the right regulations, market forces will encourage the banks to make a more robust system. But unless these problems are addressed, having a more uniform global regulatory system could actually make the next crash much worse,” says Beale.“Beale, et al., have contributed an important insight that individual bank-risk diversification does not add up to system diversification,” says Professor Andrew Sheng of Tsinghua University, who is chief adviser to the China Banking Regulatory Commission.Beale says that the team’s focus now is building a global alliance for financial and economic resilience.“We’re bringing together leading academics, regulators, banks, and investors,” he says. “Provided a systemic risk capital is set in a sensible way, we have a chance of avoiding the next crisis.”This work was supported in the United Kingdom by the Man Group and Fidelity Investments, and at Harvard by the John Templeton Foundation. Beale, Rand, and Nowak’s team also included Heather Battey, Karen Croxson, and Robert M. May.
“A Christmas Carol,” the transformative tale by Charles Dickens about the ill-tempered anti-hero Ebenezer Scrooge, is for many an integral part of the literary Christmas canon.Yet few of those familiar with the work likely have heard of its entertaining counterpart, a brief work penned decades ago by a popular Harvard professor. But if listeners tune in to Harvard’s student-run radio station WHRB (95.3 FM) tomorrow evening (Dec. 23), they will hear the late Professor David Owen deliver “In Defense of Scrooge,” his humorous and historic ode to the iconic novella.The broadcast, part of the station’s annual holiday programming on Friday from 7 to 10 p.m., will be preceded by a recording of the original “A Christmas Carol,” starring actor Lionel Barrymore as Scrooge.Owen’s work became a festive holiday tradition at Winthrop House because of his wry wit and insightful intellect. Winthrop’s longtime House master, Owen was also the Gurney Professor of History until his death in 1968. Originally composed by Owen for a Signet Society Christmas dinner, his reading became an annual tradition at the House.“Every year … as part of the entertainment, he would get up and deliver his ‘In Defense of Scrooge,’” said David Elliott ’64, who was the station’s program manager when Owen recorded his ode in 1961 at the suggestion of station member and Harvard alumnus Fred Safier ’63. “It’s a history of Christmas customs given in the framework of defending Scrooge, and he did it in a very warm and amusing way … with a distinctive delivery style.”According to Elliott, the recording, which ran occasionally after its initial broadcast, hasn’t been broadcast in some time. Eager to mark the 50th anniversary of the work’s airing, Elliott, who is the chairman of the trustees of the station and host of the annual Christmas show, suggested that the current station manager air it again.“It’s really a great piece, and it’s a tribute, I think, to Professor Owen, who … was clearly an important figure in the history of our house,” said Charlie Hobbs ’13, who recently became the general manager at the station and was happy to rebroadcast the piece. “One of the proudest things that we are able to do, as the student radio station at Harvard, is to broadcast Harvard traditions.”“It’s an exposition in vivid and colorful terms of Christmas customs,” said Elliott of Owen’s work, which explores the wave of renewed interest in traditional Christmas customs sweeping 1840s England that was fueled in part by the adoption of the Christmas tree, an import from Germany courtesy of Queen Victoria’s German husband, and the development of the Christmas card. Dickens’ tale itself was a part of the nation’s burgeoning interest in Christmas traditions of old.Owen argues in his essay that the world’s most famous Christmas curmudgeon was possibly onto something. Given to indigestion, Scrooge was a man of moderation and wasn’t inclined to overindulge in the type of “marathon eating” common at parties and holiday dinners of the Victorian Age. And one could hardly blame the poor man for trying to avoid a fete where the “bouncing” hostess, his nephew’s wife, was the type “determined that all should have a good time whatever the consequences.” Those parties, mused Owen, were the “beginning of the road that would lead to the office party.”One of the three pesky specters in the story, said the professor, deserved its fair share of blame for not painting an accurate picture of pageantry and commercialization of Christmases yet to come. “Did the ghost,” Owen wondered, “hint that each December 1, Harvard Square would suddenly come out bedizened and bejeweled like an ancient cocotte still hopeful of a comeback?”“What he is saying is that Scrooge was right to resist what would develop into excessive and commercialized displays of supposedly Christmas-related celebration,” said Elliott.In reviving the broadcast, Elliott hopes listeners will revel in the clever prose and historic detail, while remembering a well-loved Harvard scholar.“He was such a warm and admired figure at Harvard at that time. We want to remember him while we are enjoying the detail and the spirit of his ‘Defense of Scrooge.’ ”
The NCAA and the Power Five conferences will have to work harder to prevent major changes to college sports now that Democrats control Congress and the White House. The NCAA and the Power Five collectively spent more than $2 million last year to lobby Congress for a bill that would allow athletes to earn money from endorsements.The lobbyists got most of their wish list into a Republican-backed Senate bill last year. But Democrats are pushing for broader reforms, including guaranteed health care for athletes and revenue sharing. They see college sports reform as a racial and economic justice issue.
At Saint Mary’s, the senior theatre majors are always busy. Seniors Stephanie Johnson and Regan Hattersley have already started preparing for their senior comprehensives and the American College Theatre Festival (ACTF) that is open to all theatre majors, minors and those interested in the arts. A comprehensive is an hour-long play Saint Mary’s senior theatre majors put on every year. The students cast and direct their plays, as well as design the set and costumes.Johnson noted the extensive time commitments theatre majors have to undertake, as she said she has to manage her time between performing in shows, working backstage and juggling her school work.“Not only do theatre majors work hard in the classroom, but we work hard outside of the classroom as well,” she said. “Being in three productions at one time while having a full schedule of classes have perfected my time management skills.”Hattersley said in an email that seniors spend fall semester choosing and analyzing a play.“In the spring we use all of this writing and research to produce our play,” she said. “We have to cast people, hold rehearsals, build a set and generally do everything else that goes into a performance. Then at the end of it all, March 3 for me, we sit back and watch all of our work come together for a one-night performance of our show.”Hattersley said helping a senior with her play, whether by acting in it or working backstage for it, is a “great chance to give back and participate” in the Saint Mary’s sisterhood.“Should you ever need help in any situation, we live in a community where help is reciprocated across the board,” she said. “So put some good karma out there and look out for audition notices early next semester.”Even if you are just an audience member, theatre can be an immersive experience, Hattersley said.“The magic of theatre as an art form is that it is an experience like no other,” she said. “As an audience member, you get to enter the lives of the characters and the world of the play in a one-time-only experience. Theatre is an almost limitless art form. It opens doors that allow for discussion of difficult topics. When you sit in the theatre, you, as the audience, get to be a part of something special.”For theatre majors, the senior comprehensive process helps students critically evaluate and collaborate, Johnson said. “Not only must a student exercise her ability to critically evaluate a piece of theatrical work, but [she] also has to effectively collaborate with her peers in creating the piece, as theatre is an art form which can not be effectively accomplished alone — unless one is doing a one-woman show,” Johnson said.If a student has never acted before but has always wanted to, Johnson said the senior comprehensives are a great way to to gain experience. “Working with your friends as they develop their passions is fun,” she said. “It is a learning experience and an opportunity to make new friendships.”Junior Rebecca Strom, who has a theatre minor, said she acted in a senior comprehensive show her freshman year, an adaptation of “Alice in Wonderland.” She also stage managed for a senior comprehensive show her sophomore year, an adaptation of “Women Playing Hamlet.”“I only have experience acting in one comprehensive,” she said. “But, I like it more than the main stage shows because I like the student collaboration. These shows are low-pressure ways of getting into theatre. With stage managing, I learned a lot more because I was learning alongside the student in charge of her comp. I saw what she had to prepare and the work that really goes into these shows.” Those who are interested in theatre can also attend the American College Theatre Festival (ACTF), which is a regional event that allows students to attend workshops and see shows other schools have worked on during the year. Madison College in Wisconsin will host this year’s festival from Jan. 8-13, and Johnson said she will be preparing for the trip by finding lodging and making sure everyone can participate in the festival each day it runs. Johnson said students can attend regardless of whether or not they are theatre majors.“ACTF is a national theatre festival,” she said. “It helps theatre enthusiasts grow in their specific interests while introducing them to new people.” Both Strom and Johnson have been nominated for the Irene Ryan Acting Scholarship in past years. In order to qualify for this scholarship, students must attend ACTF and perform a two-minute scene and a one-minute monologue for a panel of judges. Strom said ACTF is a great opportunity to network and support other theatre students at nearby colleges. “The festival is a good experience and a great way to see what other schools are doing in their theatre programs,” she said.Johnson said students do not have to be theatre majors to appreciate theatre. Participating in theatre in college can help students “gain new skills and make new friendships,” she said. Watching live theatre can be an “exercise in empathy,” she added. “Theatre is about human stories,” Johnson said. “Watching live theatre is watching the stories of the struggles we all face.”
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Topics : The app, which is not available in China, has sought to distance itself from its Chinese roots to appeal to a global audience and has emphasized its independence from China.Pompeo’s remarks also come amid increasing US-China tensions over the handling of the coronavirus outbreak, China’s actions in Hong Kong and a nearly two-year trade war.TikTok, a short-form video app owned by China-based ByteDance, was recently banned in India along with 58 other Chinese apps after a border clash between India and China.Reuters reported late on Monday that TikTok would exit the Hong Kong market within days, deciding to do so after China’s establishment of a sweeping new national security law for the semi-autonomous city. Secretary of State Mike Pompeo said late on Monday that the United States is “certainly looking at” banning Chinese social media apps, including TikTok.”I don’t want to get out in front of the President (Donald Trump), but it’s something we’re looking at,” Pompeo said in an interview with Fox News.US lawmakers have raised national security concerns over TikTok’s handling of user data, saying they were worried about Chinese laws requiring domestic companies “to support and cooperate with intelligence work controlled by the Chinese Communist Party.”
The four coalition partners making up the Netherlands’ new government have said they aim to conclude an accord for a new pensions contract early in 2018.Their governing agreement – presented yesterday – made clear that the cabinet would also provide clarity about how a transition from average to age-related “degressive” pensions accrual would take shape.The necessary legislation must be approved by parliament by 2020 before the implementation of the new arrangements can start.In the governing accord, the coalition partners – the liberals (VVD), the Christian democrats (CDA), liberal democrats (D66) and small religious-right party CU – said that they would increase the freedom of choice for pension fund participants by introducing the option of a lump sum at retirement. They also promised that the government would contribute to the transition costs – largely as a compensation for the affected participants – to degressive pensions accrual. Costs have been estimated at between €25bn and €100bn.The coalition agreement also indicated that the new cabinet, which is still to be constructed, would keep the principle of mandatory participation. This comes despite three of the coalition partners initially advocating freedom to pick a pensions provider.The four parties also said that they would facilitate the collective transition of existing pension claims into individual pension assets.The new pensions contract is most likely to comprise individual pensions accrual combined with a certain amount of collective risk sharing, and is to be added to the existing range of pension arrangements.Recently, the coalition partners said they wanted to enable the social partners of employers and workers – which have been discussing the issue in the Social and Economic Council (SER) for the past two years – to come up with their own proposals.Commenting on the government’s plans, the Netherlands’ Bureau for Economic Policy Analysis (CPB), said that abolishing average pensions accrual would be bad for purchasing power. It estimated that combined pension contributions would have to rise by €1bn.The coalition agreement also said that deploying pension assets to pay off a mortgage would not be possible for the time being. This option would be looked at after the reform of the pensions system has been completed, the parties said.The governing accord did not mention plans to further limit the tax-facilitated pensions accrual either. Currently, the annual tax-friendly accrual is 1.875% for a salary of up to €103,317.The agreement explicitly stated that the new government rejected additional European pension rules, emphasising that “the pensions system would remain a local competence”.The new coalition government must operate cautiously, as it has the smallest possible majority in parliament.As a consequence, three of the four political leaders won’t take up a ministerial post, but instead will stay on as chair of their respective parliamentary parties.The new cabinet will again be headed by VVD leader Mark Rutte, who has been prime minister for the past two Dutch parliaments.
While teams have played behind closed doors for the odd game, it is rather unusual for league matchups. read also:Eagles’ stars in Epl may undergo bi-weekly covid-19 test It is unclear how empty stadiums would impact the home advantage that teams usually enjoy in league fixtures. There is a league meeting on Friday to work on plans for a return to competitive action sometime in June. FacebookTwitterWhatsAppEmail分享 Promoted ContentTV Characters Who Hated Each Other But Later Became FriendsTop 10 Most Romantic Nations In The World5 Of The World’s Most Unique Theme ParksTop 8 Most Fun Sylvester Stallone MoviesCouples Who Celebrated Their Union In A Unique, Unforgettable Way7 Universities In The World Where Education Costs Too Much9 Facts You Should Know Before Getting A TattooTop 9 Scariest Haunted Castles In Europe5 Of The World’s Most Unique Theme ParksFantastic-Looking (and Probably Delicious) Bread ArtBest & Worst Celebrity Endorsed Games Ever Made10 Risky Jobs Some Women Do Premier League is making plans to stage friendly games so players can prepare before competitive action begins. It is not only going to help the players with their fitness, but these matches will be used as a trial of football without crowds. The Daily Mailreports that the league will be organising these friendlies at stadiums in accessible areas before the 19-20 season resumes. “You can do all the training in the world but it just doesn’t replicate the realism of a match,” one coach at a top-flight club told the source.Advertisement Loading…
The committee has so far met with the commission on revenue allocation and treasury as they seek to find a middle ground.Also Read SRC moves to address pay disparities After nine attempts at unlocking the stalemate, Senators opted to appoint a 12 member team to find a suitable formula that will solve the puzzle on how to share out Ksh 316 billion among the 47 counties.Also Read Uhuru extends curfew ahead of his address Tuesday next weekThe team will be co-chaired by Bungoma Senator Moses Wetangula and his Nairobi counterpart Johnson Sakaja.The committee will include Senators Mutula Kilonzo Jnr (Makueni), Mahamud Mohamed (Mandera), Steward Madzayo (Kilifi), Kipchumba Murkomen (Elgeyo Marakwet), Susan Kihika (Nakuru), Samson Cherargei (Nandi), Moses Kajwang (Homa Bay), Anwar Oleitiptip (Lamu), Ledama Ole Kina (Narok) and John Kinyua (Laikipia). The journey towards finding an acceptable formula to share revenue among counties appears far from over after the 12 member Senate team tasked with building a consensus failed to solve the deadlock on Monday.This effectively dealt a blow to a planned sitting of the Senate on Tuesday to dispense with the matter that has sharply divided the House.Also Read KUPPET calls on parents to prepare for early reopeningThe legislators spent hours in a closed door meeting for the better part of the day. Sources at the committee say the 12 Senators are yet to settle on an appropriate formula but says the committee is hopeful that by Thursday there will be a consensus on the divisive shilling.Get breaking news on your Mobile as-it-happens. SMS ‘NEWS’ to 20153
Second to Henderson’s ‘black aeroplane’ at Aintree was the Colin Tizzard-trained Cue Card, and he too still holds an engagement. Henderson has an alternative to Sprinter Sacre in Finian’s Rainbow, the former champion chaser who was fourth to his illustrious stablemate in the two-and-a-half-mile Melling Chase at Aintree. De Bromhead also has a second string to his bow in the shape of Days Hotel. Foildubh, Mad Moose and Noble Prince complete the octet. Sprinter Sacre stood his ground among eight entries remaining in the Boylesports.com Champion Chase at Punchestown on Tuesday. Press Association Nicky Henderson’s brilliant seven-year-old has again been imperious this season, taking his unbeaten run over fences to nine with victories at Sandown, twice at Cheltenham and most recently Aintree. Some 19 lengths behind Sprinter Sacre in the Queen Mother Champion Chase was Sizing Europe, and Henry de Bromhead’s 11-year-old, winner of this race 12 months ago, could reoppose.