Managing in a Global Economy - Management
In the powerpoint page 3 and 4 every points take care instruction page 2 and 5 300-400 words Managing in a Global Economy Fall 2021 Comparative Analysis of the BRICS 1 2 Assignments Structure Structure assignments as follows: Introduction – What is the question? Introduction – Why is it relevant ? Introduction - State your conclusion Discussion - Conclusion - Identify and discuss the major issues State your conclusion + summarize arguments 3 Comparative Analysis of the BRICS We have studied the BRICS We have seen that this has been one of the key concepts We have seen that the BRICS are very different in terms of: Economic structure Political organization Culture 4 What do they have in common ? What are the differences ? What do the BRICS have in common ? What are the differences? Are the BRICS becoming more like each other? Are the BRICS becoming more different from each other ? 5 What I am looking for A clear and precise introduction A discussion: Major differences Major similarities A conclusion: Two major differences Two major similarities MANAGING IN A GLOBAL ECONOMY FALL 2021 Lesson 1 Jean Ergas M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t 2 0 1 3 1 RISKY BUSINESS  Debt restructuring  Euro-zone bailouts! Who’s next?  Is the Eurozone crisis over ?  Is the best outcome scenario for the Eurozone stagnation ?  Central banks diversifying their reserves - is this the end of the US Dollar’s primacy ? M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 2 EUROPEAN UNION M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 3 EURO-ZONE M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 4 DOES IT SOUND CONFUSING? IT IS! M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 5 IN THIS COURSE WE SHALL REVIEW  Major risks facing companies - to name a few!  Foreign exchange  Interest rate  Credit risk  Political risk M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 6 FINANCING STRATEGIES  We shall review some basic financing strategies  How can we raise finance ?  Short term – long term  Secured – unsecured  US Dollars – Foreign Currency M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 7 CHANGING RISKS  How are the risks facing companies changing?  Have the challenges facing companies changed with globalization?  What are the pluses and minuses of globalization?  Has the rise of an IT driven economy removed the size requirement for having a global presence ?  Are we starting to see a move away from outsourcing and towards on – shoring ? M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 8 EMERGING MARKETS – YESTERDAY’S PAPERS ?  Emerging economy currencies plummeting  Emerging economy massive:  Domestic  Foreign  Capital flight 9 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 EMERGING MARKETS – TIME FOR A RE-THINK ?  Emerging economies are facing both:  External - Shift in monetary policy  Internal - Lack of infrastructure - inflation  Challenges  Do we need to rethink the role of the emerging economies ?  Is the pendulum moving back to the developed nations ? 10 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 11 “TOP DOWN” ECONOMY  Are we in a “top down “ economy ?  Will we need to focus more on government policy?  Will the central banks and supra-nationals save the world again ?  Will purely commercial considerations count for less ? M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 12 WHAT INSTRUMENTS ARE AVAILABLE TO MANAGE THE RISK  We shall look at the different instruments to manage risk  We shall learn their advantages and disadvantages  We shall above all learn to identify risk exposures! M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 13 TWO LEVELS OF RISK MANAGEMENT - TOP DOWN  We shall look at a two tiered approach to risk management:  Medium to long term – “top down “  Risk mitigation - strategic response  We change inputs - reduce raw material price risk  We change clients - reduce credit risk  We change markets -reduce country risk M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 14 COMMODITY INDEX M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 15 COPPER PRICE 2/ 18 /2 01 1 1/ 5/ 20 11 11 /2 2/ 20 10 10 /8 /2 01 0 8/ 25 /2 01 0 7/ 12 /2 01 0 5/ 28 /2 01 0 4/ 13 /2 01 0 2/ 25 /2 01 0 1/ 12 /2 01 0 11 /2 7/ 20 09 10 /1 4/ 20 09 0 0.5 1 1.5 2 2.5 3 3.5 4 4.5 5 copper price 2009-2010 copper price M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 16 OIL PRICE Ja n- 08 Ap r- 08 Ju l-0 8 O ct -0 8 Ja n- 09 Ap r- 09 Ju l-0 9 O ct -0 9 Ja n- 10 Ap r- 10 Ju l-1 0 O ct -1 0 0 20 40 60 80 100 120 140 160 Oil price 2008-2010 Oil price M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 17 TWO LEVELS OF RISK MANAGEMENT - BOTTOM UP SHORT TERM  We work with the situation “as is”!  Contracted and projected cash flows  Expenses  Revenues M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 18 FOREIGN INVESTMENT  Why are FDI exposures different from commercial exposures ?  What measures can companies take to protect themselves from the risks of foreign direct investment ?  What is changing in the directional flows of foreign direct investment  Is trade liberalization deterring or encouraging foreign direct investment ? M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 19 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 20 FOREIGN INVESTMENT  Financing strategies for multinationals  Advantages and disadvantages  Availability of capital - depth of capital markets  Cost of capital - interest rate differentials  Cost of capital - stricter covenants M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 21 ALTERNATIVE FINANCING STRATEGIES  Project finance  Buyer finance  Seller finance M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 22 ALTERNATIVE FINANCING STRATEGIES  These strategies are often supported by:  Government agencies - Export Credit Agencies  Export – Import Bank of the United States  OPIC - Overseas Private Investment Corporation  Supranational institutions  World Bank Group M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 23 ALTERNATIVE FINANCING STRATEGIES  How does the relative availability of ECA financing drive off-shoring decisions ?  How can companies minimize their costs and increase their capital availability via these vehicles ? M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 24 TRANSFORMATION OF THE WORLD ECONOMY  The Global Economy has since 1945 gone through an Extensive Transformation  We can distinguish 3 phases 1. The domestic economy 2. The multi-national economy 3. The global economy M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 25 THE DOMESTIC ECONOMY 1945-1960  US companies produce and sell primarily in the USA  Foreign markets seen primarily as sources for raw materials  There are two convertible currencies - The US Dollar and the Swiss Franc - The US Dollar replaces the pound Sterling UK M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 26 THE WORLD SITUATION  Large gap between the US economy and ROW  Europe recovering from the Second World War  Large part of the world controlled by Communist regimes  Large part of the world still controlled by colonialist powers  Resources are channeled through the colonialist power M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 27 COMMUNIST WORLD IN 1950 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 28 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 29 TRANSFORMATION OF THE GLOBAL ECONOMY  Following extensive aid from the Marshall Plan  Marshall Plan 1947-1951  US Dollars 13 Billion – US GDP US Dollars 258 billion  By 1951 all recipients had surpassed their pre- war economic level M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 30 TRANSFORMATION OF THE GLOBAL ECONOMY  German economy leads the European recovery  Foundation of the European Common Market  Six members - now it is called the European Union  Inter European trade explodes! M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 31 MARSHALL PLAN M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 32 COMMON MARKET FOUNDING MEMBERS M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 33 TRANSFORMATION OF THE GLOBAL ECONOMY  While Europe re-asserts itself in Asia , Japan becomes the dominant economic power focus is on low cost production and export M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 34 THE MULTI-NATIONAL ECONOMY 1960 – 1980  Rapid growth of the European domestic economies  Strong increase in internal consumption  US business moves abroad  US business establishes production sites in each market M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 35 GDP EXPANSION OF EU 1960-1980 19 61 19 63 19 65 19 67 19 69 19 71 19 73 19 75 19 77 19 79 -1 0 1 2 3 4 5 6 7 GDP growth (annual %) M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 36 THE MULTI-NATIONAL ECONOMY 1960 – 1980  Europeans see themselves under attack by US companies  Publication in France of the book “The American Challenge” M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 37 THE MULTI-NATIONAL ECONOMY 1960 – 1980  US goes off the gold standard 1971  End of Bretton Woods  Move towards floating exchange rates  Emergence of a foreign exchange market  Currency fluctuations become a major concern  Founding of the G-6, later G- 7, in France M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 38 GOLD PRICES M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 39 THE MULTI-NATIONAL ECONOMY 1960 – 1980  A new player enters the global economy  The Middle East and the oil exporting nations following two sharp oil price increases in the 1970’s  The balance of financial power shifts  Oil producers control a growing share of currency flows M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 40 OIL PRICE 1960-1980 $0.00 $20.00 $40.00 $60.00 $80.00 $100.00 $120.00 Nominal Inflation Adjusted M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 41 THE GLOBAL ECONOMY 1980 – 1990 ACT 1  Move towards the opening of the Chinese economy  Rapid development of the Asian economies “Tigers”  Move towards liberalization “Perestroika” in the Soviet Union  Fall in the price of crude oil  Allows developed economies to gradually emerge from recession M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 42 CHINA GDP 1980-1990 19 80 19 81 19 82 19 83 19 84 19 85 19 86 19 87 19 88 19 89 19 90 0 2 4 6 8 10 12 14 16 GDP growth (annual %) GDP growth (annual %) M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 43 OIL PRICES 1980-1990 $0.00 $20.00 $40.00 $60.00 $80.00 $100.00 $120.00 Nominal Inflation Adjusted M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 44 THE GLOBAL ECONOMY 1980 – 1990 ACT 1  First major international currency agreements  Plaza Agreement 1985  Louvre Agreement 1987 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 45 THE GLOBAL ECONOMY 1990– 2000 ACT 2  Collapse of Communism in Eastern Europe  End of the Soviet Union  Founding of the European Union  From economic community to political organization  Creation of the framework and introduction of the Euro - the single currency M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 46 EUROPEAN UNION IN 1992 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 47 ORIGINAL EURO-ZONE M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 48 THE GLOBAL ECONOMY 1990– 2000 ACT 2  Founding of NAFTA – North American Free Trade Agreement  Rise of the BRICS  Reforms in Brazil and India positioning to emerge as major economic powers  China growing rapidly – but still 10th economic power M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 49 NAFTA COUNTRIES M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 50 INDIA GDP 1990-2000 19 90 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 0 1 2 3 4 5 6 7 8 GDP growth (annual %) GDP growth (annual %) M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 51 CHINA GDP 1990-2000 19 90 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 0 2 4 6 8 10 12 14 16 GDP growth (annual %) GDP growth (annual %) M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 52 THE GLOBAL ECONOMY 2000-2010 ACT 3  Rapid development of the financial markets  First speculative collapse - technology 2000  Loose monetary policy - creation of massive bubbles  Explosion of BRIC growth M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 53 THE GLOBAL ECONOMY 2000-2010 ACT 3  Financial Collapse  Collapse of global trade  Extraordinary measures by governments acting together M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 54 THE GLOBAL ECONOMY 2000-2010 ACT 3  Where are we now ?  Crisis in the developed economies  Rise of the BRICS  Rise of the commodity currencies M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 55 GLOBAL GDP 2008-2010 2008 2009 2010 -1 0 1 2 3 4 5 6 GDP growth (annual %) GDP growth (annual %) M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 56 BRICS GDP (% CHANGE) 2008-2010 2008 2009 2010 -10 -5 0 5 10 15 Brazil China India Russia M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 57 AUSTALIAN DOLLAR VERSUS US DOLLAR 2008-2010 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 58 BRAZILIAN REAL VERSUS US DOLLAR 2008-2010 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 59 CONSEQUENCES FOR GLOBAL BUSINESSES Macro - Increase focus on the government role in the economy  Sovereign intervention key  Principal support for several developed economies  In major emerging markets - state ‘s role in economy fundamental M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 60 MACRO – CHANGING STRUCTURE OF THE CREDIT SYSTEM  Changed structure of the credit system  Strong government support for credit institutions  Critical in assessment of counterparty risk  Have central banks evolved from being the lenders of last resort to being the takers of the last risk? M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 61 MACRO - INCREASE FOCUS ON THE GOVERNMENT ROLE IN THE ECONOMY  Dual demand stream in emerging markets  Consumption - retail consumers  Investment - government entities  Government investment in the emerging economies:  Fueled demand for raw materials  And  pushed large infrastructure investment. M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 62 MICRO – RISKS INCREASE - RISK MANAGEMENT ESSENTIAL!  Companies seek to minimize production costs  Supply chain grows longer - production segmented in different countries  Quality control issues increase  Counterparty risk issues increase M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 63 DEVELOPMENT OF INTERNATIONAL TRADE  Increasing liberalization  Reduction of tariff barriers  Opening of former socialist economies  Increased access to better transportation  Lower costs of communications M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 64 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 65 ADVANTAGES OF INTERNATIONAL TRADE  Allows each country to focus on its specific advantage  Law of Comparative Advantage  Economies of scale = lower production costs  Lower production costs + bigger markets = bigger profits  Increased international investment flows - + capital for economic development M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 66 NEW TRADE INITIATIVES !  Sovereign finances massively impacted by the crisis  Sovereigns are now reducing spending  Sovereigns no longer able to stimulate economy  Sovereigns are now seeking to grow economies via:  Bilateral trade agreements  Multi lateral trade agreements 67 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 TRADE INITIATIVES COVER THE WORLD ?  Free trade agreement between the US and the EU  Free trade agreement between countries both sides of the Pacific  Free trade agreement – Pacific Alliance:  Colombia  Mexico  Chile  Peru  Free trade discussions for Africa – from Cairo to Cape Town ! 68 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 FOREIGN EXCHANGE RISK  Effect of FX risk on company profits can be substantial  If currency fluctuations cannot be offset by price increases !  Volatility of foreign exchange rates – can make planning difficult!  What factors might allow an exporter to raise prices to offset a devaluation of the currency of the sale? M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 69 COUNTRY RISK  Insolvency of government entity  Who is your trade counterparty  Transfer risk – counterpart cannot remit payment M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 70 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 71 CEN – DIRECT INVESTMENT  Confiscation  Expropriation  Nationalization  Strategic Risk  Subsidization of local competitors  Import tariffs or restrictions M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 72 THE INTERNATIONAL FINANCIAL SYSTEM THE GOLD STANDARD  Gold standard basis for international financial system in the 19th and 20th centuries  Rise of gold standard closely linked to expansion of international trade in the 19th century  Progressive adoption by the major economies of the gold standard prior to World War 1 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 73 THE INTERNATIONAL FINANCIAL SYSTEM THE GOLD STANDARD  The gold standard underwent numerous modifications  Use of gold coins as medium of exchange - gold species  100 % gold backing of currency with gold and guarantee of convertibility by each central bank -  Convertibility of US Dollar into gold – other currencies pegged to the US Dollar = de –facto convertibility  This was the system designed in 1944 – Bretton Woods  This lasted until 1971 with conversion into gold  Smithsonian agreements December 1971 last attempt at reestablishing fixed parities to US Dollar of major currencies  This agreements collapsed rapidly ! M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 74 THE GOLD STANDARD  Key arguments for the gold standard  Governments are limited to the amount of money that they can issue  Governments cannot print their way out of debt! What would have happened if in 2008 we had been on the Gold standard ? M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 75 TRADE IMBALANCES BETWEEN COUNTRIES ARE SETTLED BY TRANSFERS OF GOLD  Deficit country ships gold to surplus country  Less gold = less money = lower internal price level  Lower price level = deficit country products cheaper  Products cheaper = + exports  But import prices higher due to lower wages  Consumers in deficit countries buy local products  Cheaper export products + buy local = deficit closes What are the parallels to today’s situation – China vs. US ? M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 76 THE GOLD STANDARD COLLAPSES!  However this did not always work!  See in this instance the Great Depression  Much discussion about its causes!  Stock market speculation  Shrinking of the money supply  US tariff increases M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 77 THE GOLD STANDARD COLLAPSES!  However, many countries abandoned the Gold Standard to reflate their economies - notably the UK in 1931  US in 1933 / 1934 modifies currency relationship to gold – dollar is devalued  The interwar years were the years of “beggar thy neighbor”  These were the grim years of competitive devaluations What parallels with today’s currency wars following the Great Recession? M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 78 THE GOLD STANDARD COLLAPSES!  The grim experience of the inter – war period  Competitive devaluations seen prolonging the Great Depression and hastening the outbreak of The Second World War  Led to decision to enhance economic cooperation M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 79 BRETTON WOODS AND FOUNDATION OF THE IMF  In 1944 Bretton Woods agreements  Bretton Woods - avoid use of competitive devaluations  Founding of the IMF in 1945  IMF founded to administer Bretton Woods system  IMF also empowered to provide finance to member countries to cover deficits and emergency balance of payments financing  For example, during the oil shocks M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 80 BRETTON WOODS AND FOUNDATION OF THE IMF  Bretton Woods agreements start to weaken in the early 1960’s  Rise of US deficits  Loss of confidence in the US Dollar  + sale of US Dollars for gold  Pressure on US to maintain FX rate  US ends convertibility into gold in 1968  US ends fixed exchange rates in 1971 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 81 FLOATING EXCHANGE RATES  World moves towards floating exchange rates  European nations form ERM – Exchange Rate Mechanism  European nations form EMS – “the snake” European Monetary System  European currencies linked to each other within fluctuation bands  US Dollar floats vs. European currencies  Foreign exchange market booms!  Foreign exchange volatility very high! M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 82 M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 83 THE INTERNATIONAL FINANCIAL SYSTEM  US Dollar rises dramatically in the early 1980’s US fiscal deficit +  Needs foreign financing US sells bonds  = + demand for US Dollars  This leads to Plaza Agreements in 1985    = concerted action by 5 governments  = reduction in US Dollar value  = boost to US economy in recession M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 84 THE LOUVRE AGREEMENTS 1987  Aim of the Louvre Agreements was to stop collapse in the  US Dollar - which created difficulties for non US exporters M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 85 COLLAPSE OF THE EMS  EMS collapses in 1992  German reunification  Germany needs to attract capital  Germany raises interest rates  Weaker European economies under pressure to maintain their parities within EMS  Pressure greatest on Italy and UK  UK currency object of massive speculation!  UK and Italy exit! M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 86 COLLAPSE OF THE EMS AND BIRTH OF EURO PROJECT  From the ashes of the EMS rises the Euro  European Common Currency in Maastricht Agreeement  Maastricht agreement cornerstone for transformation of European Common Market from economic to political entity  Europe would speak both politically and financially with one voice! M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 87 COLLAPSE OF THE EMS AND BIRTH OF EURO PROJECT  There was fierce competition among the EU countries to qualify for the Euro!  Strict criteria to accede to the Euro  GDP/Debt – Deficit/GDP but these were waived!  Euro was above all a political priority! M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 88 THE INTERNATIONAL FINANCIAL SYSTEM  Euro – no thanks !  Some countries did not join  Most notably – the United Kingdom, Sweden and Danmark  UK did not join for fear of loss of sovereignty  Also concern that Sterling value would suffer with inclusion of traditionally high debt and high inflation currencies – “Club Med” !  Lack of fiscal discipline seen as a major concern M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 89 DO YOU THINK THAT THE UK WAS RIGHT ?  UK deficit exceeded 12 % in 2010  UK now facing a drastic austerity program  Sterling era is over – UK no longer has the power to print a reserve currency M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 90 COLLAPSE OF THE EMS AND BIRTH OF EURO PROJECT  Can the single currency work ?  Will the Euro survive – arguments for and against ?  Euro zone countries are now managing their economies within a fixed exchange rate system M a te ra lsp re p a re d b y S im o n Je a n E rg a sc o p y rig h t2 0 1 3 91 COLLAPSE OF THE EMS AND BIRTH OF EURO PROJECT  You cannot devalue your way out of a crisis  This is what Italy and France did …
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Indigenous Australian Entrepreneurs Exami Calculus (people influence of  others) processes that you perceived occurs in this specific Institution Select one of the forms of stratification highlighted (focus on inter the intersectionalities  of these three) to reflect and analyze the potential ways these ( American history Pharmacology Ancient history . Also Numerical analysis Environmental science Electrical Engineering Precalculus Physiology Civil Engineering Electronic Engineering ness Horizons Algebra Geology Physical chemistry nt When considering both O lassrooms Civil Probability ions Identify a specific consumer product that you or your family have used for quite some time. This might be a branded smartphone (if you have used several versions over the years) or the court to consider in its deliberations. Locard’s exchange principle argues that during the commission of a crime Chemical Engineering Ecology aragraphs (meaning 25 sentences or more). Your assignment may be more than 5 paragraphs but not less. INSTRUCTIONS:  To access the FNU Online Library for journals and articles you can go the FNU library link here:  https://www.fnu.edu/library/ In order to n that draws upon the theoretical reading to explain and contextualize the design choices. Be sure to directly quote or paraphrase the reading ce to the vaccine. Your campaign must educate and inform the audience on the benefits but also create for safe and open dialogue. A key metric of your campaign will be the direct increase in numbers.  Key outcomes: The approach that you take must be clear Mechanical Engineering Organic chemistry Geometry nment Topic You will need to pick one topic for your project (5 pts) Literature search You will need to perform a literature search for your topic Geophysics you been involved with a company doing a redesign of business processes Communication on Customer Relations. Discuss how two-way communication on social media channels impacts businesses both positively and negatively. Provide any personal examples from your experience od pressure and hypertension via a community-wide intervention that targets the problem across the lifespan (i.e. includes all ages). Develop a community-wide intervention to reduce elevated blood pressure and hypertension in the State of Alabama that in in body of the report Conclusions References (8 References Minimum) *** Words count = 2000 words. *** In-Text Citations and References using Harvard style. *** In Task section I’ve chose (Economic issues in overseas contracting)" Electromagnetism w or quality improvement; it was just all part of good nursing care.  The goal for quality improvement is to monitor patient outcomes using statistics for comparison to standards of care for different diseases e a 1 to 2 slide Microsoft PowerPoint presentation on the different models of case management.  Include speaker notes... .....Describe three different models of case management. visual representations of information. They can include numbers SSAY ame workbook for all 3 milestones. You do not need to download a new copy for Milestones 2 or 3. When you submit Milestone 3 pages): Provide a description of an existing intervention in Canada making the appropriate buying decisions in an ethical and professional manner. Topic: Purchasing and Technology You read about blockchain ledger technology. Now do some additional research out on the Internet and share your URL with the rest of the class be aware of which features their competitors are opting to include so the product development teams can design similar or enhanced features to attract more of the market. The more unique low (The Top Health Industry Trends to Watch in 2015) to assist you with this discussion.         https://youtu.be/fRym_jyuBc0 Next year the $2.8 trillion U.S. healthcare industry will   finally begin to look and feel more like the rest of the business wo evidence-based primary care curriculum. Throughout your nurse practitioner program Vignette Understanding Gender Fluidity Providing Inclusive Quality Care Affirming Clinical Encounters Conclusion References Nurse Practitioner Knowledge Mechanics and word limit is unit as a guide only. The assessment may be re-attempted on two further occasions (maximum three attempts in total). All assessments must be resubmitted 3 days within receiving your unsatisfactory grade. You must clearly indicate “Re-su Trigonometry Article writing Other 5. June 29 After the components sending to the manufacturing house 1. In 1972 the Furman v. Georgia case resulted in a decision that would put action into motion. Furman was originally sentenced to death because of a murder he committed in Georgia but the court debated whether or not this was a violation of his 8th amend One of the first conflicts that would need to be investigated would be whether the human service professional followed the responsibility to client ethical standard.  While developing a relationship with client it is important to clarify that if danger or Ethical behavior is a critical topic in the workplace because the impact of it can make or break a business No matter which type of health care organization With a direct sale During the pandemic Computers are being used to monitor the spread of outbreaks in different areas of the world and with this record 3. Furman v. Georgia is a U.S Supreme Court case that resolves around the Eighth Amendments ban on cruel and unsual punishment in death penalty cases. The Furman v. Georgia case was based on Furman being convicted of murder in Georgia. Furman was caught i One major ethical conflict that may arise in my investigation is the Responsibility to Client in both Standard 3 and Standard 4 of the Ethical Standards for Human Service Professionals (2015).  Making sure we do not disclose information without consent ev 4. Identify two examples of real world problems that you have observed in your personal Summary & Evaluation: Reference & 188. Academic Search Ultimate Ethics We can mention at least one example of how the violation of ethical standards can be prevented. Many organizations promote ethical self-regulation by creating moral codes to help direct their business activities *DDB is used for the first three years For example The inbound logistics for William Instrument refer to purchase components from various electronic firms. During the purchase process William need to consider the quality and price of the components. In this case 4. A U.S. Supreme Court case known as Furman v. Georgia (1972) is a landmark case that involved Eighth Amendment’s ban of unusual and cruel punishment in death penalty cases (Furman v. Georgia (1972) With covid coming into place In my opinion with Not necessarily all home buyers are the same! When you choose to work with we buy ugly houses Baltimore & nationwide USA The ability to view ourselves from an unbiased perspective allows us to critically assess our personal strengths and weaknesses. This is an important step in the process of finding the right resources for our personal learning style. Ego and pride can be · By Day 1 of this week While you must form your answers to the questions below from our assigned reading material CliftonLarsonAllen LLP (2013) 5 The family dynamic is awkward at first since the most outgoing and straight forward person in the family in Linda Urien The most important benefit of my statistical analysis would be the accuracy with which I interpret the data. The greatest obstacle From a similar but larger point of view 4 In order to get the entire family to come back for another session I would suggest coming in on a day the restaurant is not open When seeking to identify a patient’s health condition After viewing the you tube videos on prayer Your paper must be at least two pages in length (not counting the title and reference pages) The word assimilate is negative to me. I believe everyone should learn about a country that they are going to live in. It doesnt mean that they have to believe that everything in America is better than where they came from. It means that they care enough Data collection Single Subject Chris is a social worker in a geriatric case management program located in a midsize Northeastern town. She has an MSW and is part of a team of case managers that likes to continuously improve on its practice. The team is currently using an I would start off with Linda on repeating her options for the child and going over what she is feeling with each option.  I would want to find out what she is afraid of.  I would avoid asking her any “why” questions because I want her to be in the here an Summarize the advantages and disadvantages of using an Internet site as means of collecting data for psychological research (Comp 2.1) 25.0\% Summarization of the advantages and disadvantages of using an Internet site as means of collecting data for psych Identify the type of research used in a chosen study Compose a 1 Optics effect relationship becomes more difficult—as the researcher cannot enact total control of another person even in an experimental environment. Social workers serve clients in highly complex real-world environments. Clients often implement recommended inte I think knowing more about you will allow you to be able to choose the right resources Be 4 pages in length soft MB-920 dumps review and documentation and high-quality listing pdf MB-920 braindumps also recommended and approved by Microsoft experts. The practical test g One thing you will need to do in college is learn how to find and use references. References support your ideas. College-level work must be supported by research. You are expected to do that for this paper. You will research Elaborate on any potential confounds or ethical concerns while participating in the psychological study 20.0\% Elaboration on any potential confounds or ethical concerns while participating in the psychological study is missing. Elaboration on any potenti 3 The first thing I would do in the family’s first session is develop a genogram of the family to get an idea of all the individuals who play a major role in Linda’s life. After establishing where each member is in relation to the family A Health in All Policies approach Note: The requirements outlined below correspond to the grading criteria in the scoring guide. At a minimum Chen Read Connecting Communities and Complexity: A Case Study in Creating the Conditions for Transformational Change Read Reflections on Cultural Humility Read A Basic Guide to ABCD Community Organizing Use the bolded black section and sub-section titles below to organize your paper. For each section Losinski forwarded the article on a priority basis to Mary Scott Losinksi wanted details on use of the ED at CGH. He asked the administrative resident