Word: sheets
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...through the Crimson’s first eight games of 2009, Harms has been even better. Harms is sporting a .38 goals against average with five shut outs. His clean sheet against Army on September 13th helped propel Harvard into the national rankings for the first time this season...
...innate drafting skills, and gave his print series of male nudes cartographic precision. Chinese installation artist Lin Tianmiao, used to working in large spaces with big props, cut her work down to a more intimate scale. She created a series of hauntingly vacant faces over which she superimposed a sheet of ribbed and pebbled paper. The scarred surface of the works imbued them with an irresistible texture...
...fees that they believe they will owe the agency through the end of 2012. But even though the banks will make those payments this year, they won't show up on 2009 income statements. Instead, each bank will add an asset, a big one, to its balance sheet, right below where the cash they just handed over to the FDIC used to be. It will be called something like prepaid FDIC premiums. The asset will shrink each quarter by the amount each bank normally would have paid the FDIC. As the bank shrinks the asset, it will book the normal...
...solution is it does nothing to keep its fund officially out of the red. That's because the same accounting that allows banks to hide the costs will prevent the FDIC from marking up its own assets. Just as the banks get to add an asset to their balance sheet for the money they are prepaying, the FDIC has to book a liability for the money that it has received from the banks but is not actually entitled to yet. That liability will lower the balance of the FDIC's fund by the same amount that it is boosted...
...HSBC, though, is also responding to the realities of its balance sheet. Its forays West have proved to be, at best, a mixed success, especially its business in the U.S. HSBC dove into the U.S. subprime mortgage and consumer credit market, mainly through its 2003 purchase of consumer finance firm Household International. That decision proved disastrous. For the 18 months ending in June, HSBC's U.S. personal-financial-services business posted pretax losses of $20 billion. In March, HSBC announced its consumer-finance operation wouldn't issue any more loans and would begin winding down its business (except for credit...