TEST BANK for Human Biology 10th Edition by Starr Full download: http://downloadlink.org/p/test-bank-for-human-biology-10thedition-by-starr/ ====Please visit link above to get sample and instant purchase link == ANZ's chief executive warns tighter lending standards resulting from the royal commission will make it harder for home buyers and small businesses to get loans, even as it reported a strong rise in profit. Key points: Statutory net first half profit +14pc to $3.3b helped by asset sales, underlying cash profit up 4pc despite lower revenue ANZ chief executive Shayne Elliott says it will be "a little bit harder" to get loans following the royal commission ANZ will complete $6b in asset sales once financial planning and life insurances businesses sold this year The bank's first-half profit jumped 14 per cent to $3.3 billion as it pushed ahead with plans to dispose of its scandal-prone financial planning business and exit its investments in Asia. Cash profit — the bank's preferred measure, which strips out one-off items — rose 4 per cent to $3.5 billion compared to a year ago and was in line with market expectations. The big rethink on the bank's operations includes exiting most of its financial planning businesses — an area which has come under intense scrutiny at the banking royal commission — with its aligned dealer groups (ADG) business slated for sale to the non-bank wealth manager IOOF. The ADG business warehoused platforms such as RI Advice and Millenium3, which are now facing the prospect of being charged with numerous breaches the corporations act. In his only television interview about the results, ANZ's chief executive Shayne Elliott told The Business that the bank had made the most "dramatic and radical change" to how it does financial planning amongst its peers. "I can't speak for the industry, at ANZ we've taken a view that we want to have our planners separate from the manufacturing of product," he told Elysse Morgan. View image on TwitterView image on Twitter Elysse Morgan ✔ @ElysseMorgan Do not miss The Business tonight both @ANZ_AU boss Shayne Elliott and CBA boss Matt Comyn on #royal commission #APRA and future profits. Tonight @abcnews 9.45pm AEST 2:16 PM - May 1, 2018 63 22 people are talking about this Twitter Ads info and privacy "And it's so that we can focus on getting it right for the customer, we just want to be in that business and not have any, even perceived, conflict with manufacturing." Royal commission lifts costs In a statement released to the ASX ahead of its results, ANZ said it had so far budgeted for $50 million in legal costs arising from the commission but added it was, "unable to predict the outcome of the inquiry or its impact on either the bank or the broader industry". Mr Elliott said he expects there will be an increase in costs for his bank and the rest of the financial sector as a result of the 1 royal commission.
"Undoubtedly the royal commission is going to have an impact, there's no point in having the royal commission if there's not going to be change," he said. "So there will be change, I don't know exactly what that will look like, but it's very likely to be more regulation, more process, more requirements, and those are good things but they will have an impact on the industry." One change that seems likely is that it will be harder and take more time and paperwork for people to get loans, which will also probably be smaller than before, due to a focus on responsible lending laws. New home buyers' credit crunch Home buyers could see their borrowing capacity cut by as much as 40pc due to reforms likely to be driven by the Hayne Royal Commission "I imagine it's going to be a little bit harder for people to get access to finance, whether you're a small business or someone looking for a mortgage," Mr Elliott acknowledged. ANZ's boss earlier told analysts in a briefing that "credit standards are tightening and credit growth is shrinking." Workforce cut 10 per cent Other non-banking operations that will be carved out include life insurance and the Australian Pensions and Investments business. This follows the sale of ANZ's six retail and wealth businesses in Asia, including the Shanghai Rural Commercial Bank, which had been intended to establish ANZ's footprint in China. In the past 12 months ANZ has slashed its workforce by almost 4,500, or almost 10 per cent. ANZ chief executive Shayne Elliott said the strategy was in place to build a better balanced, better capitalised and simpler bank. "We have increased the allocation of capital to our higher performing businesses, delivered on our simplification promise by divesting non-core assets, reducing product complexity and continued to reshape our workforce so we can better respond to changing market dynamics," Mr Elliott said. Banks have failed the community "We still have work to do ‌ our aim is to grow a responsible and decent business for our clients and shareholders," Mr Elliott told an analyst briefing. Banks take money for nothing Banks raked in hundreds of millions of dollars in fees for services they didn't provide. The penalty is they have to pay it back. "The financial sector has suff
Bill Cosby's wife spoke out for the first time since the comedian was found guilty of sexual assault -- taking shots at the media and her husband's accusers, and comparing the case the infamous lynching of Emmett Till. Interested in Bill Cosby? Add Bill Cosby as an interest to stay up to date on the latest Bill Cosby news, video, and analysis from ABC News. Bill Cosby Add Interest Camille Cosby, who has been married to Bill Cosby for 54 years, said Thursday in a lengthy statement she believes "an innocent person has been found guilty based on an unthinking, unquestioning, unconstitutional frenzy propagated by the media and allowed to play out in a supposed court of law. This is mob justice, not real justice." At one point during her statement, Camille Cosby said that her husband's "unproven accusations evolved into lynch mobs." 2
"Since when are all accusers truthful? History disproves that...," she said before comparing Bill Cosby's trial to Emmett Till, the 14-year-old boy who was lynched in 1955 after a white woman falsely accused him of flirting. She also called for a "criminal investigation" into the district attorney's office who prosecuted Bill Cosby's case. "This is a homogeneous group of exploitive and corrupt people, whose primary purpose is to advance themselves professionally and economically at the expense of Mr. Cosby’s life," Camille Cosby, 74, added. "If they can do this to Mr. Cosby, they can do so to anyone." PHOTO: In this Nov. 6, 2014 file photo, entertainer Bill Cosby and his wife Camille laugh as they tell a story about collecting one of the pieces in the upcoming exhibit, Conversations: African and African-American Artworks in Dialogue, in Washington. AP In this Nov. 6, 2014 file photo, entertainer Bill Cosby and his wife Camille laugh as they tell a story about collecting one of the pieces in the upcoming exhibit, "Conversations: African and African-American Artworks in Dialogue," in Washington. more + Bill Cosby was found guilty last week of drugging and sexually assaulting Andrea Constand more than a decade ago. With this verdict, Cosby faces a maximum 10-year sentence on each of the three counts of aggravated indecent assault. Lawyers for the comedian said they plan to appeal. In addition to the comparison to the Emmett Till case, Camille Cosby also likened "The Cosby Show" creator to Darryl Hunt, who was wrongfully convicted in 1984 for the rape and murder of a white copy editor. Camille Cosby echoed Cosby's publicist, Ebonee Benson, who also compared the comedian's trial to Till, on "Good Morning America" last week. Bill Cosby mentally preparing for prison, invokes Nelson Mandela's name: Report How Bill Cosby's defense team's vicious strategy backfired: ANALYSIS Camille Cosby said in her three-page statement that she believes Constand's testimony "during trial was perjured; as was shown at trial, it was unsupported by any evidence and riddled with innumerable, dishonest contradictions." "Moreover, Bill Cosby’s defense team introduced the testimony of a witness who confirmed that the district attorney’s witness admitted that she had not been sexually assaulted, but that she could say she was and get money," Camille Cosby wrote, "which is exactly what she did." PHOTO: Comedian Bill Cosby and his wife, Camille, attend the 40th Anniversary of the El Morroco Club on Sept. 20, 1978, in New York City.File-Ron Galella/WireImage via Getty Images Comedian Bill Cosby and his wife, Camille, attend the 40th Anniversary of the El Morroco Club on Sept. 20, 1978, in New York City. Constand's lawyer told the Associated Press in a statement, "Why would any reputable outlet publish that?" Meanwhile, Constand wrote in a tweet last week after the verdict was handed out: "Truth prevails." ABC News reached out to Montgomery County District Attorney Kevin Steele and lawyers for Constand, but didn't immediately hear back. Camille Cosby closed her statement by thanking "the witnesses who courageously came forward at trial to testify as to the truth, as well as those witnesses who would have done so but for the judge preventing them from testifying." "Someday the truth will prevail, it always does," she concluded. Camille Cosby's statement comes as her husband is on house arrest, awaiting sentencing.
Sponsored Stories After announcing plans for a national space agency in September, the Federal Government will put its money where its mouth is. 3
On Tuesday, it will commit $50 million of seed funding in this year's budget to establish the Australian space agency. Looking abroad, Australia is pretty late to the party. Most developed nations already have a space agency of sorts. But the Australian space agency could use its belated debut to its advantage. Gone are the days of space being accessible only by big agencies backed by budgets of billions of dollars. Shrinking technology plus powerful, reusable rockets have brought the cost of sending a satellite into space from hundreds of millions of dollars to tens of thousands. Australia can design its space agency to suit this era of "Space 2.0", according to Andrew Dempster, head of the Australian Centre for Space Engineering Research at the University of New South Wales. "Space has been disrupted. Now we have cheap launches and small satellites," Professor Dempster said. "Designing a space agency in 2018 means these [new technologies] can be exploited." Space start-ups abound Australia is already home to plenty of space start-ups, some of which have already struck deals with NASA and other space agencies. The thing is, Australia isn't launch ready: we don't have rockets which can carry satellites into space, nor do we have the launch infrastructure to blast off from. Space agency to tap $420b industry: government rocket crop There are concerns Australia may be not be capitalising on the growing industry. Both of these, Professor Dempster said, are being addressed by start-ups now. A company in the Northern Territory, for instance, is working with traditional owners to establish a launch site. The Top End is an attractive launch zone. A launch near the equator can be "slingshot" off the rapidly rotating Earth and needs less fuel to reach escape velocity. But even though there will soon be a $50-million space pot, we won't see satellites launched from Australia immediately. Give it a couple of years. "People's expectations on that front should be managed," Professor Dempster said. "It takes time." And he would know. The Australian Centre for Space Engineering Research, which he directs, was founded in 2010. But it wasn't until last year that he and colleagues around Australia managed to launch small satellites called CubeSats from Cape Canaveral in Florida. They were the first Australian-built satellites to launch in 15 years. How a space agency will give start-ups a leg up Australia currently holds about 0.8 per cent of the global space market, says Anna Moore, who heads the Advanced Instrumentation and Technology Centre at the Australian National University's Mount Stromlo Observatory. "Our goal is to get to 1.8 per cent, which would be equivalent to our share in GDP terms," Professor Moore said. "It's pretty incredible that we've managed to get 0.8 per cent without a national space agency." 4 The local space industry has grown about 10 per cent each year over the past two decades.
So why bother funding a space agency at all, then? "Now that we have one, we won't see steady growth — it will be accelerated," Professor Moore said. "What will be handy is having a single 'front door' for start-ups." Professor Moore was part of the expert reference group that undertook the federal government's space industry capability review. She interviewed members of start-ups around Australia. A space agency won't only provide financial support, she said: "It will help new start-ups to not have reinvent the wheel. "Getting set up, like applying for a launch licence, is daunting to do that all on your own." The view from abroad A local space agency will also form new and consolidate existing international links. Australia already plays host to international space agencies. NASA and ESA have ground-based tracking stations here, which keep an eye on their spacecraft. While loads of countries have space agencies, only 12 are capable of launching satellites. The most recent was New Zealand. Start-up Rocket Lab sent a payload into orbit earlier this year, less than two years after New Zealand formed its own space agency.
VIMEO: Rocket Lab 'still Testing' 21 January 2018 When it comes to comparing Australia with other countries, Professor Moore said the UK and Canada are probably the closest. The Canadian Space Agency was formed in 1989. Its 2017/18 planned budget is about $344 million. The UK Space Agency replaced the British National Space Centre in 2010. Its 2017/18 budget is $700 million and aims for 10 per cent of the space market by 2030. Still, NASA makes everything else look like small change. Its latest estimates projected a budget hovering around $US19 billion ($25.3 billion) per year. Of course, NASA's scope is far wider than Australia's. The Australian space agency won't be launching spacecraft to Mars, for instance. What it can do, Professor Demps
5
TEST BANK for Human Biology 10th Edition by Starr Full download: http://downloadlink.org/p/test-bank-for-human-biology-10thedition-by-starr/ People also search: human biology 11th edition starr pdf human biology 11th edition pdf human biology starr pdf human biology eleventh edition human biology books for access course isbn 9781305112100 human biology starr 11th edition
6