Quercki + business   34

5 Ways The Government Keeps Native Americans In Poverty
But because Indians do not generally own their land or homes on reservations, they cannot mortgage their assets for loans like other Americans. This makes it incredibly difficult to start a business in Indian Country. Even tribes with valuable natural resources remain locked in poverty. Their resources amount to “dead capital”—unable to generate growth for tribal communities.

Nearly every aspect of economic development is controlled by federal agencies.
Native_American  poverty  BIA  federal  government  business 
december 2018 by Quercki
Infection and entrepreneurship | Proceedings of the Royal Society of London B: Biological Sciences

Disciplines such as business and economics often rely on the assumption of rationality when explaining complex human behaviours. However, growing evidence suggests that behaviour may concurrently be influenced by infectious microorganisms. The protozoan Toxoplasma gondii infects an estimated 2 billion people worldwide and has been linked to behavioural alterations in humans and other vertebrates. Here we integrate primary data from college students and business professionals with national-level information on cultural attitudes towards business to test the hypothesis that T. gondii infection influences individual- as well as societal-scale entrepreneurship activities. Using a saliva-based assay, we found that students (n = 1495) who tested IgG positive for T. gondii exposure were 1.4× more likely to major in business and 1.7× more likely to have an emphasis in ‘management and entrepreneurship' over other business-related emphases. Among professionals attending entrepreneurship events, T. gondii-positive individuals were 1.8× more likely to have started their own business compared with other attendees (n = 197). Finally, after synthesizing and combining country-level databases on T. gondii infection from the past 25 years with the Global Entrepreneurship Monitor of entrepreneurial activity, we found that infection prevalence was a consistent, positive predictor of entrepreneurial activity and intentions at the national scale, regardless of whether previously identified economic covariates were included. Nations with higher infection also had a lower fraction of respondents citing ‘fear of failure' in inhibiting new business ventures. While correlational, these results highlight the linkage between parasitic infection and complex human behaviours, including those relevant to business, entrepreneurship and economic productivity.
fear  business  Toxoplasmosis 
august 2018 by Quercki
Trump lied to me about his wealth to get onto the Forbes 400. Here are the tapes. - The Washington Post
Trump wasn’t just poorer than he said he was. Over time, I have learned that he should not have been on the first three Forbes 400 lists at all. In our first-ever list, in 1982, we included him at $100 million, but Trump was actually worth roughly $5 million — a paltry sum by the standards of his super-monied peers — as a spate of government reports and books showed only much later.
Trump  business  wealth  taxes  lies 
april 2018 by Quercki
Your mortgage documents are fake! - Salon.com
A newly unsealed lawsuit, which banks settled in 2012 for $95 million, actually offers a different reason, providing a key answer to one of the persistent riddles of the financial crisis and its aftermath. The lawsuit states that banks resorted to fake documents because they could not legally establish true ownership of the loans when trying to foreclose.

This reality, which banks did not contest but instead settled out of court, means that tens of millions of mortgages in America still lack a legitimate chain of ownership, with implications far into the future. And if Congress, supported by the Obama administration, goes back to the same housing finance system, with the same corrupt private entities who broke the nation’s private property system back in business packaging mortgages, then shame on all of us.

The 2011 lawsuit was filed in U.S. District Court in both North and South Carolina, by a white-collar fraud specialist named Lynn Szymoniak, on behalf of the federal government, 17 states and three cities. Twenty-eight banks, mortgage servicers and document processing companies are named in the lawsuit, including mega-banks like JPMorgan Chase, Wells Fargo, Citi and Bank of America.
may 2017 by Quercki
Donald Trump's Many Business Failures, Explained
Lost contracts, bankruptcies, defaults, deceptions and indifference to investors—Trump’s business career is a long, long list of such troubles, according to regulatory, corporate and court records, as well as sworn testimony and government investigative reports. Call it the art of the bad deal, one created by the arrogance and recklessness of a businessman whose main talent is self-promotion.

He is also pretty good at self-deception, and plain old deception. Trump is willing to claim success even when it is not there, according to his own statements. “I’m just telling you, you wouldn’t say that you're failing,” he said in a 2007 deposition when asked to explain why he would give an upbeat assessment of his business even if it was in trouble. “If somebody said, ‘How you doing?’ you're going to say you're doing good.” Perhaps such dissembling is fine in polite cocktail party conversation, but in the business world it’s called lying.And while Trump is quick to boast that his purported billions prove his business acumen, his net worth is almost unknowable given the loose standards and numerous outright misrepresentations he has made over the years. In that 2007 deposition, Trump said he based estimates of his net worth at times on “psychology” and “my own feelings.” But those feelings are often wrong—in 2004, he presented unaudited financials to Deutsche Bank while seeking a loan, claiming he was worth $3.5 billion. The bank concluded Trump was, to say the least, puffing; it put his net worth at $788 million, records show.
Trump  money  business  taxes 
april 2017 by Quercki
OUCH! Newsweek exposes Trump as the business fraud he is.
Trump’s many misrepresentations of his successes and his failures matter—a lot. As a man who has never held so much as a city council seat, there is little voters can examine to determine if he is competent to hold office. He has no voting record and presents few details about specific policies. Instead, he sells himself as qualified to run the country because he is a businessman who knows how to get things done, and his financial dealings are the only part of his background available to assess his competence to lead the country. And while Trump has had a few successes in business, most of his ventures have been disasters.
Trump  business  lies 
april 2017 by Quercki
All of Donald Trump's Business Ties in One Overwhelming Visualization | WIRED
BEFORE DONALD TRUMP was the president, he was a businessman. He came to office leading a vast business enterprise that includes real estate, casinos, and a lucrative branding operation. “The network is huge,” says designer Kim Albrecht, whose riveting data visualization Trump Connections attempts to untangle it all.

Albrecht used data from BuzzFeed’s TrumpWorld investigation into the president’s 1,500-odd business connections to create two visualizations. The first places Trump at the center of an enormous web. The other, which resembles a family tree, deconstructs that network person by person, business by business. “It’s a complete mess if you look at the entire dataset,” Albrecht says.
Trump  business 
january 2017 by Quercki
How the Trump Organization's Foreign Business Ties Could Upend U.S. National Security
Never before has an American candidate for president had so many financial ties with American allies and enemies, and never before has a business posed such a threat to the United States. If Donald Trump wins this election and his company is not immediately shut down or forever severed from the Trump family, the foreign policy of the United States of America could well be for sale.
Trump  foreign  business  national  security  danger 
september 2016 by Quercki
Belief, Hatred, and the Democratic Primary. – Jesse Mac
“The System”

I’m inclined to agree with the vast majority of Sanders camp criticism that Hillary Clinton is too comfortable with Wall Street and big business. But I have bad news for you! Not an insignificant number of Americans believe that what’s good for Wall Street is good for America.

The way I see it, there are three possibilities with the motives of Hillary Clinton in supporting big business:

1) she really believes that big business has the best interests of America in mind
2) she has the best interests of the American worker in mind, and seeks to mollify business interests in order to gain political capital to leverage change
3) she is only in it for the money and is out to maliciously suck the last remaining prosperity from the middle class
Hillary  ****  business  liar  Bernie_Sanders 
august 2016 by Quercki
How to interrupt bias in the workplace
Williams outlined four bias patterns that women may recognize: Prove-It-Again, women (and minorities) having to prove time and again that they are competent; Tightrope, balancing the push to be masculine against the expectation that women should be feminine; Maternal Wall, using family commitments as a reason to hold women back; and Tug of War, facing a loyalty test, or pressure to identify with their gender or a certain group in order to succeed.

To combat bias in each of these patterns, Williams developed common scenarios that managers or colleagues may see with example responses that would correct the issue.

For Prove-It-Again, Williams used the example of origination credit. A woman, she says, often will come up with an idea in a meeting. The idea is ignored when she presents it, but when repeated by a man it is perceived as brilliant.

Astute managers or colleagues could correct the bias by saying, “I’ve been pondering that ever since Pam first said it,” thus giving credit where credit is due.

When becoming aware of a Tightrope situation, a manager or colleague may see that women in a department are responsible for more of the following:

• The housework of planning parties.
• Meeting-planning logistics, staffing and billing.
• Undervalued work, including note-taking at a meeting.

To correct the issues, the manager would:

• Not ask for volunteers for party planning because women are under pressure to accept and men to decline.
• Assign support personnel to handle meeting planning.
• Establish a rotation for tasks such as note-taking.
• Have everyone do their own billing.

Maternal Wall issues may come up when a manager hears someone express uncertainty that a woman can do a task because of her child care issues. One possible response would be to call out the bias directly, saying: “I wonder if we’d say the same thing about a man.”

In the last example, Tug of War, Williams suggested looking out for tokenism and making sure that there isn’t a pattern of having one woman on a committee or team.
sexism  solutions  business 
february 2016 by Quercki
Inside the Koch Brothers' Toxic Empire | Rolling Stone
Self­interest continued to define Koch Industries' adventures in public policy. In the early 1990s, in a high-profile initiative of the first-term Clinton White House, the administration was pushing for a levy on the heat content of fuels. Known as the BTU tax, it was the earliest attempt by the federal government to recoup damages from climate polluters. But Koch Industries could not stand losing its most valuable subsidy: the public policy that allowed it to treat the atmosphere as an open sewer. Richard Fink, head of Koch Company's Public Sector and the longtime mastermind of the Koch brothers' political empire, confessed to The Wichita Eagle in 1994 that Koch could not compete if it actually had to pay for the damage it did to the environment: "Our belief is that the tax, over time, may have destroyed our business."

To fight this threat, the Kochs funded a "grassroots" uprising – one that foreshadowed the emergence, decades later, of the Tea Party. The effort was run through Citizens for a Sound Economy, to which the brothers had spent a decade giving nearly $8 million to create what David Koch called "a sales force" to communicate the brothers' political agenda through town hall meetings and anti-tax rallies designed to look like spontaneous demonstrations. In 1994, David Koch bragged that CSE's campaign "played a key role in defeating the administration's plans for a huge and cumbersome BTU tax."
politics  Koch  business  environment  Native_American  oil 
october 2015 by Quercki
Study: Men interrupt women more in tech workplaces, but high-ranking women learn to interrupt
Only 13 of the 314 total interruptions logged across 15 hours of speech were instances of women interrupting men. All 13 of those instances came from this set of three women. Probably not too surprising since we've just looked at data showing that senior people are the most likely to interrupt.

But it goes further: Not only do these three women interrupt everyone, gender- and level-agnostic, they represent three of the four biggest interrupters in the study. Their rates of interruption/hour are, respectively, 35, 34, and 32, with one male colleague in Level E coming in at 34 and literally everyone else in every level showing a lower rate. What's more, the next closest woman in the study, a Level B with an interruption rate of 27 interruptions/hour, trails far behind.

Here's how the top ten interrupters break down in terms of level/gender identity and their interruptions/hour rate:

The results suggest that women don't advance in their careers beyond a certain point without learning to interrupt, at least in this male-dominated tech setting. This is really striking, and starts to put directional data behind the stereotype whereby strong female leaders are often dismissed with the pejoratives bossy, unpleasant, and bitchy. As a senior woman in technology who has at times been called all of those things, I'd like to say I'm surprised. I'm not.
gender  sexism  business  solutions  equality 
september 2014 by Quercki
In Which We Teach You How To Be A Woman In Any Boys' Club - Home - This Recording
Can't Be Tamed: A Manifesto


for Kathleen Hanna, Kim Deal, and Kim Gordon

Here are some rules about how to be a girl in a boys' club. This works for any world you're in or want to be in. Pretty much everything in the world is still a boys' club.

Befriend The Other Woman: Always. Seriously. Even if she sucks (expansion on "if she sucks" follows below). Otherwise you will be "jokingly" put into competition with her constantly, and you will be encouraged and generally provoked by some dudes to do this for their entertainment to take focus off the fact that they are in homosocial competition with each other. Befriend her and press your boobs against the glass ceiling together (copyright Kristen Schaal). She is not the enemy. She is never your enemy. The enemy is always any guys who are creating situations that limit the number of females allowed. Get them in the crosshairs and take them down. 

What If She Sucks?: Well, there could be a lot of reasons for this. But if she's being a real scary bitch to you, it's probably just because she's threatened you are going to take her spot as "the girl that is cool enough to hang out with the guys." Defuse this by being really super friendly no matter what in order to demonstrate the above: you are not enemies because you have a common enemy and the enemy is exclusionism. This gets easier the more girls there are.
women  sexism  misogyny  feminism  culture  business 
august 2014 by Quercki
Bay Area Musicians “Do It Themselves” in the Internet Age | San Francisco Informer
Today, a proliferation of internet resources has turned the record company paradigm on its head for those self-motivated musicians willing to augment their musical chops with business and marketing skills. Do-it-yourselfers are skirting the cigar-chomping industry moguls via websites like Kickstarter, YouTube and Bandcamp to fund, promote and distribute their music directly to their audience, eliminating the middleman and gaining creative and financial control.

Oakland-based singer Sharon Knight and her husband/guitarist Winter have released albums on their Trance Jam Records label since 1996 including Knight’s Celtic folk-inspired solo work and the couple’s “gothic tribal folk metal” ensemble Pandemonaeon. They almost made the major labels in 1999 when Pandemonaeon were courted by Warner Bros.
music  business  recording  promotion  Sharon_Knight  Deborah_Hamouris  Unwoman 
february 2013 by Quercki
Discover The Top 3 Ways On How To Make More Money
Learn these and you’ll know 90% of the basic options to make more money.
money  career  business  Ramit_Sethi 
august 2012 by Quercki
In Paterno death apology, a lesson for CEOs - Business - US business - msnbc.com
At this time, I would like to issue an official retraction of our earlier tweets.
I never, in a million years, would have thought that Onward State might be cited by the national media. Today, I sincerely wish it never had been. To all those who read and passed along our reports, I sincerely apologize for having mislead you. To the Penn State community and to the Paterno family, most of all, I could not be more sorry for the emotional anguish I am sure we at Onward State caused. There are no excuses for what we did. We all make mistakes, but it’s impossible to brush off one of this magnitude. Right now, we deserve all of the criticism headed our way.
In this day and age, getting it first often conflicts with getting it right, but our intention was never to fall into that chasm. All I can do now is promise that in the future, we will exercise caution, restraint, and humility.
I can only hope and pray that the outstanding work our writers and photographers do on a day-to-day basis is not overshadowed by the events of tonight. I understand that our reputation is in serious question, but I hope you will continue to stand by us as we do everything in our power to make amends.
To begin that process, I will be stepping down from my post as Managing Editor, effective immediately. I take full responsibility for the events that transpired tonight, and for the black mark upon the organization that I have caused.
I ask not for your forgiveness, but for your understanding. I am so very, very, sorry, and we at Onward State continue to pray for Coach Paterno.
Devon Edwards
business  CEO  apology 
february 2012 by Quercki
A blueprint for musicians « Hoehn’s Musings
If I was a really talented musician with great songs, I’d be focused on building my online fan base.  Since MySpace is the hot spot for musicians, that’s where I’d spend most of my time.  I’d post all of my songs as audio files (“free to download and send to your friends!”), then post videos of all my live performances.  I’d blog about my thought process and experiences as a musician, and I’d reach out to more popular musicians that I genuinely liked.  I would also message every single person who wrote to me or added me as a friend.

Once I built up a substantial fan base that loved my music, I would offer them a free but exclusive one-hour concert via UStream.  I’d send everyone a message one week in advance, thanking them and offering an invitation to my private concert (“just for you guys but you’re allowed to invite three friends!”), where I’d be taking requests through the built-in chat room and interacting with all of them live.  Then I’d make sure to stay on UStream for an extra hour because I’d be having so much fun talking with everybody.
music  marketing  business 
february 2012 by Quercki
Daily Kos: No Surprise. Oakland Police Chief Lied to Discredit Occupy Oakland.
Turns out Oakland's police chief Howard Jordan is as scummy as some people suspected. The same person who ordered his men to tear gas people doing absolutely nothing wrong like our own allie123, and was ultimately responsible for the actions that nearly killed Scott Olsen and severely wounded others, had no compunction in lying about crime statistics so as to make Occupy Oakland look bad.

KTVU obtained more than 1,000 internal emails between Oakland City Hall and police through a public records request...

After the October 25th raid on Frank Ogawa Plaza / Oscar Grant Park, and before the November 2nd General Strike, a campaign by all the powers that be in Oakland had started to discredit anyone and anything associated with Occupy Oakland. And so, to no one's particular surprise, in the emails poured over by KTVU reporters was found a note that might as well have caused the spontaneous combustion of the chief's pants.

When Jordan received an update that crime was actually down 19 percent in the last week of October, he wrote an email to one of Mayor Jean Quan's advisers.
"Not sure how you want to share this good news," he wrote. "It may be counter to our statement that the Occupy movement is negatively impacting crime in Oakland."

Imagine that. Reality at odds with spin. WMD. Iraq. Bush. Competency. Economics. McCain. Statistics. Crime. Jordan.

I have no idea why crime was down that last week. Maybe because the Oakland police had been corralled; ordered to lie low after running amok. And Perhaps because all of Oakland was happy to see the police humbled, if just for a few days. Maybe it was just a statistical blip. Maybe all three. Who knows?

But what we do know is that crime had not increased, and in fact decreased 19%,  Statements to other effect by the Oakland Police and by the City Administration were, simply put, bullshit.

Want to bet that statements by the City Administration and the Chamber of Commerce around that same time to the effect that Occupy Oakland was causing business losses in downtown Oakland were the same flavor of bovine droppings? Hold your money -- no one would take the other side of that bet.
Occupy_Oakland  business  crime  statistics  lies 
february 2012 by Quercki
Sung a Lot of Songs: Whose Streets?
In our first installment in this series we gave an overview of the emergence and role of business improvement districts in Oakland, CA and beyond. We described how they allow real estate corporations to circumvent tax-revolt era laws that have starved many de-industrialized, majority-minority cities, in order to fund projects that are aimed at gentrifying neighborhoods to increase rents. We introduced two of Oakland's BIDs, the Downtown Oakland Association, and the Lake Merritt/Uptown District Association (DOA and LMUDA), and revealed their efforts to eliminate Occupy Oakland's encampment. In this piece we extend that analysis with more background on the political agendas of the DOA and LMUDA.

Since early 2009 a different kind of "occupation" in downtown Oakland has been reshaping public space and transforming the underlying relationship between government and the people. It's not a protest. There are no tents, banners, rallies or marches. Instead this occupation has taken hold through subtle but profound changes in state and local laws. The leaders of this occupation are a small group of major real estate companies. Their ultimate goals stand in stark contrast to the economic reforms and  greater democracy the Occupy Oakland protesters say they are seeking.

Oakland's two largest business improvement districts, the Downtown Oakland Association (DOA), and Lake Merritt Uptown DistrictAssociation (LMUDA) have been praised over the last three years by politicians and the media for spurring a "renaissance" in one of California's most economically depressed cities. Both organizations have mostly avoided criticism, until very recently when they pressured Mayor Jean Quan and the Oakland Police Department to wipe out the Occupy Oakland encampment in Frank Ogawa/Oscar Grant Plaza. Their stance against Occupy Oakland led many observers to question why both special districts were so adamant about removing the encampment, even if it required violent police raids.
Occupy_Oakland  business  police 
february 2012 by Quercki
Whose streets? Oakland’s shadow government presses City Hall to end the occupation | San Francisco Bay View
In a letter addressed to Oakland’s Mayor Jean Quan on Nov. 8, two little-known entities, the Lake Merritt/Uptown District Association (LMUDA) and Downtown Oakland Association (DOA) implored Mayor Quan to “step up and provide cohesive, common sense leadership.” Cohesive leadership, according to these two organizations, means giving the Oakland Police Department a green light to eradicate the now month-old Occupy encampment. “It’s time for Frank Ogawa Plaza to be given back to the people of Oakland,” they conclude.
Who are the LMUDA and DOA? What gives them the authority to make such demands? Further, who are the “people of Oakland” referred to in their letter? If those occupying the plaza do not constitute the people of Oakland, then who are the rightful owners of this contested public space?

The privatization of public administration
“Lake Merritt/Uptown” and “Downtown Oakland” are not community associations or neighborhood groups comprised of Oaklanders with historic roots or identity in Oakland’s larger patchwork. Rather, they are business improvement districts, or “BIDs,” an apt acronym given their focus on commodifying and privatizing government and public space. Both LMUDA and DOA were founded in 2008. BIDs are commercial districts within cities where special taxes are collected on properties for use towards activities determined by the BID’s board of directors. As hybrid public-private entities, their explicit purpose is to increase property values and rents and to cultivate other profitable opportunities in designated geographic areas.

Because they have the power to levy and spend taxes, BIDs must be formed via a petition process and then by majority vote of businesses and property owners within the chosen area and finally approved by the City Council. However, once the BID is established, it largely operates under its own discretion. It does what it wants with its money, which can involve funding events, contracting for extra sanitation and trash services, and even hiring private security to patrol public space.

The Lake Merritt/Uptown District and Downtown District are two of nine BIDs established in Oakland since 2001. The others include Fruitvale, Koreatown/Northgate, Lakeshore/Lake Park, Laurel, Montclair, Rockridge and Temescal/Telegraph Avenue.
Occupy_Oakland  police  business 
february 2012 by Quercki
Bank of the West Financial Institutions, Credit Union and Correspondent Banking, Bank of the West
Bank of the West has earned a great reputation as a provider of services, solutions and support for financial institutions. With our network of branches, vast service and industry expertise and as a subsidiary of BNP Paribas, we have a team of relationship managers who have the resources to deliver innovative and effective strategies.
Credit Unions

We are committed to the success of credit unions and have been for 30 years.

Correspondent Banking

Bank of the West provides a dedicated team of professionals to service your complete range of correspondent banking needs.
credit_union  bank  ATM  business 
december 2011 by Quercki
CO-OP Financial Services | Network Services for Co-ops not members
CO-OP Network makes it easy to offer greater accessibility and convenience to help build stronger relationships with your members. With over 28,000 surcharge-free ATMs, CO-OP Network offers:
credit_union  ATM  business  coastliveoak 
december 2011 by Quercki
Acceptable Parity: Four Ways Men Stunt Women's Careers Unintentionally
The title is should be: 
Four Ways Women Men Stunt Their Women's Careers Unintentionally
The first "low-confidence behavior" confidence-lowering behavior involves modesty: 
Being overly modest. Discouraging modesty. We see that men are more willing to take public credit for brag about their successes. Women believe understand that their accomplishments should speak for themselves, and they spend waste less effort ensuring they get the gold star next to their name. While modesty is a nice character trait Modesty is an admirable character trait, it's naive to believe that your boss, your clients, or your colleagues will recognize your accomplishments and it's important to recognize women's accomplishments even if you they fly under the radar.
feminism  gender  parity  business  parody 
november 2011 by Quercki
Protocol Professionals, Inc. | The Art of Effective Networking
"Ten Steps to Effective Networking"

Show up
Be prepared
Be remarkable
Have a goal in mind
Know how to introduce yourself
Know how to properly present your business card
Be an effective listener
Learn how to read body language including your own
Know how to gracefully disengage from a conversation
Remember to follow up as promised
networking  marketing  conversation  disengage  business  social 
september 2011 by Quercki
Small specialty food companies moving into Oakland’s factory spaces – Oakland North : North Oakland News, Food, Art and Events
A legion of small specialty food companies is moving into Oakland’s industrial spaces that have been left vacant by big food producers. A case in point is Premier Organics, a maker of nut butters that is a growing presence inside the old Mother’s Cookies’ factory on 81st Avenue.
About two years ago a new cluster of food companies began moving into the historic cookie plant, including Premier Organics and DoBake Bakeries Inc., in a shift from mass-producers to artisan and specialty food producers. Last December, Premier Organics signed a five-year lease at 810 81st Avenue and moved into 20,000 square feet of Mother’s Cookies’ old 190,000 square-foot facility. Premier Organics is currently negotiating for another 8,000 square feet to add to its headquarters.
Oakland  food  business  Mother's 
december 2010 by Quercki
Women, anger and status: taking the long view « The Delphiad Blog
Although the study confirmed what I’d witnessed but was never able to analyze or even identify correctly, the question remained: why? The obvious answer is that women are socialized to be nice. When we fail to conform to this paradigm, we are punished. However, every piece of advice we hear tells us the reason women are not getting ahead and breaking down the glass ceiling into complete smithereens is that we are too nice and have to assert ourselves. What Bescoll’s study reveals is that men and women have a vastly different degree of latitude in asserting themselves. Men may display anger. Women may not. Consequently, women are much more restricted in how they may raise their status and obtain what is rightfully theirs.
anger  sexism  work  business 
september 2010 by Quercki
North East Bay News Atlas
mash-up of news with map to sell real estate?
map  News  crime  politics  business  eastbay  oakland 
september 2009 by Quercki
SBA business planning tools for non-profit organizations pdf
very simple basic generalized things to think about for long-term financial stability
business  tapestry 
august 2009 by Quercki

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