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The views expressed in IMF Working Papers are those of the authors and do not necessarily represent the views of the IMF, its Executive Board, or IMF management. While many banking skills are transferable across national borders, there are institutional and cultural impediments to overcome. And as ANZs strategy shift away from Asia announced last week might demonstrate, the regulatory barriers are significant, particularly for expansion into Asia. First among these is the ASEAN Banking Integration Framework ABIF initiated at the end of 2014. This involves the designation of banks headquartered in the ASEAN region as Qualified ASEAN Banks QABs. Such a designation not available to Australian banks means that they will be able to operate in other ASEAN countries under exactly the same regulatory arrangements as domestic banks. While the specific competitive advantages this will provide over non QABs are unclear and may vary from country to country, this is in essence a barrier to entry for banks from outside the ASEAN region. It remains to be seen whether the ABIF will succeed, given the vast differences in banking structure and development across the region, not to mention political factors. Nevertheless, the development is not conducive to an Asian expansion strategy for Australian banks. A second factor is the regulatory arrangements driven by the Basel Committee, and implemented in Australia by banking regulator, APRA. Capital requirements associated with offshore subsidiaries or joint ventures can be higher than for purely domestic operations.
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He asked Tell me, if you are so concerned about the society, the people and about all these things, why not join direct politics and change things by yourself, rather than grumbling against the politicians?We think democracy means just casting our vote and we think this is peoples power. When elections occur and I get an opportunity to vote, even if I know that there is a candidate who is a very honest man and is contesting the elections from my constituency, I am not going to vote for him because he is an independent candidate or represents a small party. My vote has to go to the major regional or national party because I know that these are the parties who are most likely to form a govt or say are viable contenders of power. At the same time, it is not possible even for the honest man to get the party ticket of a national or regional party because that also costs money. Even to campaign, it requires money. Another thing I have noticed that people majorly vote on regional issues rather than national ones.
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And the state of California now includes school climate as one of eight priority areas for local education agencies. The American Academy of Pediatrics has outlined a set of guidelines intended to help schools develop positive recess programs guidelines necessary because recess today does not always meet these standards, according to McLaughlin and her co authors. Many schools had cut back recess programs watering down their effectiveness, or eliminated them altogether. Because recess offers opportunities for both positive play and experience in learning how to resolve conflicts, it can have powerful implications for a child's education, McLaughlin said. The researchers examined six low income elementary schools during the 2009 10 school year that had implemented a non profit organization's recess based program aimed at encouraging a safe, healthy and inclusive environment. Trained, full time "coaches were sent into low income elementary schools with the goal of improving recess. They worked with students to establish recess games with a common set of rules, introduced conflict resolution tools, and encouraged positive language and inclusive behavior. Each school had two recess periods during the day. The findings were based on teacher, principal and recess coach interviews; student focus groups; recess observations; and a teacher survey. Schools on the opposite ends of the recess spectrum good and poor were compared as well. "Recess seems like a time for kids to get some exercise or just have fun, but unless there are adults actively paying attention to and supporting a high quality recess, it can be a time when kids feel unsafe, physically and emotionally," she said.