Sunday, July 31, 2011

Appraisals stymie deals as market values drop

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Appraisals stymie deals as market values drop
The Seattle Times
In a housing market where home prices are still seeking a new normal and financial reforms stemming from the Dodd-Frank Act are slowly unfurling, appraisals once seen as formalities in the homebuying process now have a seemingly newfound power to stop ...
Obamanomics rolls on
Wizbang (blog)
Americans are thriving in Barack Obama's new normal. In blue-state New York Brooklyn-ites are embracing the new economy in a uniquely New York way. Cops have busted a group of oddball poachers in Prospect Park — a band of vagrants that was trapping ...
Think it's hotter? You may be right
Gaston Gazette
Hot is the new normal, according to the new 30-year normal temperatures released by the National Oceanic and Atmospheric Administration's National Climatic Data Center earlier this month. New “normals” are calculated once a decade and update the ...
The tyranny of security since 9/11
Toronto Star
For frequent flyers post-9/11, this has become the new normal, a time in which we're so hyper-obedient or tired of hassle that we anticipate what the authorities will demand, and readily acquiesce. But it is also symbolic of something larger. ...
Moms Like Me: Life lessons learned from a Vermont farmhouse
BurlingtonFreePress.com
In addition to bridging language gaps, embracing cultural differences and mastering the art of eating with chopsticks, we survived the dissolution of our family, and we established a new "normal" with an alternating parenting schedule and routine. ...
The road to reforming Karnataka's mine mafia
Economic Times
Moreover, accepting the new normal after years of plunder and moving on may just not be acceptable. "Extreme situations demand extreme measures," says Sangayya Hiremath, whose NGO took the illegal mining fight to the Supreme Court. ...
An Unnatural Climate of Violence
Pacific Free Press
From drought in the Amazon to flooding in Pakistan and wildfires in Australia, extreme weather is the new normal. As the FS goes to press, the US Midwest, recently ravaged by tornadoes, is sweltering in an epic heat wave. ...
Will Reynolds: Encourage use of clean energy
The State Journal-Register
It's impossible to ignore the dramatic disruption to Earth's natural climate patterns as extreme weather disasters are becoming the new normal. Globally, we've seen that the panel's predictions were not entirely accurate. Scientists now admit that the ...
Washington Is Annoyed at Wall Street's Failure to Panic
Big Government
I think the Market has simply gotten used to the fact, that this is the new normal. Dont'cha just love it? The Most Important People In The Universe (according to themselves, of course) run around screaming, "The sky is falling! The sky is falling! ...
Debt showdown hits home
Chattanooga Times Free Press
“In the longer term, to the extent there are spending cuts or tax increases, those factors can very much impact and create a new normal,” he said. That normal won't likely be one in which the government defaults on its debt, as some fear. ...
The Big Fat GOP Budget Lie
Consortium News
After the war was won, spending settled in at a new normal that reflected the continuing funding of a larger permanent military as US policymakers financed the Cold War to “stop the spread of communism.” The federal government also undertook ...
A Virginia 'surplus' that masks future pain
Washington Post
In a time of severe fiscal stress at every level of government, the gimmicks to which Richmond has resorted are no worse than what has become the new normal around the country. Still, Mr. McDonnell would be wiser to level with Virginians about the ...
The Debt Ceiling: Washington's Summer Thriller Terrifies the Poor and Elders
New America Media
It is the new normal for the executive and legislative branches to perpetuate the same self-serving inertia without an iota of reformative imagination and true patriotism. This phony war shall also pass. After much bickering and grandstanding, ...
Editorial: Texans need to plan now for future droughts
Dallas Morning News (subscription)
We don't know if this climate pattern is the new normal, but Texas had serious droughts in 1996, 1998, 2006 and 2009. And the Palmer Drought Severity Index, the gold standard for measuring such periods, shows that all parts of Texas, except the Lower ...

When will the innovation fad end?
Blogging Innovation (blog)
Until executives and managers grasp the underlying currents that propel innovation and realize that it is the tool to sustain the new normal, rather than a passing fad, innovation will often be considered a side-show to the real work of the ...

Saturday, July 30, 2011

Volatility 'the new normal?'

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Volatility 'the new normal?'
Agriculture.com
"Managing volatility is going to be the new normal. You're going to have to manage volatility at the extremes. It's going to take management at a high, high level. But, there's high reward if you manage your business well." What's your desired farm ...
Rancor & the New Normal
VillageSoup Belfast (blog)
In this new normal, will what once seemed horrific come to seem (in the eyes of some zealot) a necessary means to a political end? The worst effect of this new normal is its anaesthetizing effect on its users. Where vitriolic argument is regularly and ...
Beyond the New Normal: Global Megatrends Shape a New Reality for Anti-Poverty Work
The Nonprofit Quarterly
In contrast to now clich├ęd “new normal” scenarios, which focused primarily on impacts of reduced capital, the” new reality” reflects impacts of three global mega-trends driven by scarcity. In this context, the authors articulate powerful links between ...
Tough Economy Creates a New Normal
MyFox Chicago
Over the next several weeks, FOX Chicago News will explore how Chicagoans are coping with what we call "The New Normal." Some households have gone from two paychecks to one. With the loss of a salary, large or small, major sacrifices have to be made. ...
Jay Taylor: The Death of the Dollar
Business Insider
Perhaps the current macroeconomic picture is the new normal? Jay Taylor: The new normal is being shaped. We haven't seen the final product yet. The new normal will be a world in which most Americans do not enjoy the standard of living that they have ...
U.S. restaurants turn to franchise partners
MarketWatch
By Annie Gasparro NEW YORK -(MarketWatch)- When it comes to franchising in today's economy with its new-normal lending constraints, restaurant chains are opting for larger, more experienced partners while eschewing mom-and-pop bids. ...
Back to the financial future
The Australian
This has been dubbed the "New Normal" or the "Age of Deleveraging". Understanding what is happening is of profound importance to investors. To be honest, we will only grasp the complete picture with hindsight meaning at some time in the future. ...
Car buyers facing changed landscape
Chicago Tribune
"We're calling it 'the new normal.'" Here is some advice that doesn't necessarily hold true in today's market. •"Buy late-model used cars." You can still save a little money buying a 1- or 2-year old model, if you can find one. ...
The centre in crisis
Macleans.ca (blog)
Polarisation is not the “new normal,” as New Democrats and Conservatives are preaching. It corrodes the body politic and takes us away from the simple truth that most people want a moderate, intelligent politics that's based on facts, evidence, ...
Next Week's Big News: Couch Potatoes Cutting Cable, Chinese Dot-Coms ...
DailyFinance
Comcast and its smaller cable rivals' inability to sign more new television subscribers than those canceling their accounts led industry watchers to wonder if cord-cutting was the new normal. It proved to be a temporary blip, but cable subscribers ...
Groundhog Obama Emerges, Sees Shadow, Declares GOP Debt Plan 'DOA'
Pajamas Media
That's likely to backfire again, as Americans ended up calling to demand spending cuts, not just more of the same extreme spending that has become the new normal under Obama. The fact that he can't persuade Congress himself answers Jon Stewart's ...
With Four $100K City Employees, Rancho Santa Margarita Is 'Lean and Mean'
Patch.com
“The statistics bear out that Rancho is austere in our pay practices, and that may be where the new normal is,” Hayman said. “Is anyone starving? No. I think people are fairly paid, in a vacuum. I look forward to us all knowing what the new normal is ...
Church in Phil Campbell stops serving free meals to tornado victims
WAFF
This has been the new normal for several months now," says Pastor Haney. The couple will do all they can to help that "normal" come back as quickly as possible as Phil Campbell continues down the road to recovery. The church says all of the leftover ...
Will national debt erode land values?
Agriculture.com
"Our interest rates have been extremely low the last 4 years," Kohl says. "If they go back to normal, that's a spike in rates. A lot say we have a new plateau, a new normal. But, that's when you have to be very careful."
Jim Nettum: Lightbourn made a convincing case
Wisconsin State Journal
I read George Lightbourn's Saturday guest column, “The new normal for Wisconsin,” only after reading the negative replies to it in Wednesday's letters to the editor. With that prelude, I was stunned by reading what I thought was a balanced and rational ...
Election Guide: Bainbridge Island Bainbridge Island Council 4 — Central Ward
Gig Harbor Life
A: An overriding issue is for the city to adjust effectively to the new normal that local governments are facing throughout the state due to a struggling economy and a collapsed real estate market. To address this issue, the city council and city ...
Rob Shelley: Reliability will outstrip cost in shipping business
Freshinfo
In its New Normal manifesto, the Danish shipping line claims that while customers, of course, care about cost, what they really care about is the total cost and not the price on a single container. Maersk believes that its customers value their ability ...
RDM Corporation Reports Third Quarter Financial Results
PR Newswire (press release)
RDM's Board of Directors has approved a new Normal Course Issuer Bid. The Bid is subject to regulatory approval. EBITDA (earnings before interest, taxes, depreciation and amortization) is provided to assist management and investors in determining the ...
Costs of Family Caregiving
WWLP 22News
This new level of care, which the report calls the "new normal," also takes an increasing toll on the caregiver. The report found that those who take on this unpaid role to help loved ones remain in their own homes and communities risk stress, ...
I've seen the future, and it's Android over iPad
Macleans.ca
The phenomenal growth of Android smartphones illustrates the new normal when it comes to mobile devices: there's Apple and there's everything else, and everything else will run Android. Hardware companies have finally got the message that they are ...
Cars and Fuel: What Constructive Compromise Looks Like
New York Times (blog)
The administration's plan basically establishes that improving vehicle fuel efficiency and emissions is the new normal. As with other important long-term issues, including boosting America's investment in basic research and incentives for energy ...

Friday, July 29, 2011

Macquarie's new normal is ordinary

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Macquarie's new normal is ordinary
Sydney Morning Herald
One of the problems Macquarie chief executive Nicholas Moore faces is that the more he portrays his group as just a normal investment bank, the more ordinary its share price becomes. Ahead of its annual meeting yesterday, Macquarie held its guidance ...
New normals, same old heat | Weather Blog
WDTN
Thus, it is easy to see how a ten-year shift forward in data can have significant impacts on everyone. According to the National Climatic Data Center, the new normal max and min temperatures for our area are approximately 0.5 to 0.7 degrees higher for ...
Trend toward temporary IT hiring continues
ITworld.com
By Chris Nerney Add a new comment Call it lingering doubts about the economy, call it the new normal, but a recent survey of IT executives shows that more are interested in using contract workers in lieu of full-time employees. ...
Time to Expand Mobile Beyond Transactions
Credit Union Times
Yet mobile and online advances are becoming the “new normal,” so the concern now is that a credit union which lets these banking options pass may be rendered as obsolete quicker than one would think. Credit unions must first be aware, however, ...
30 Cool Tips for How to Keep Cool and Avoid Hot Weather Insomnia
LifeGoesStrong
Brutally hot is the new hot and maybe the new normal, so try some of my cool tips for how to keep cool and avoid insomnia. Start by remembering all that snow the past couple of winters and thinking cool. Try to channel how you felt walking the dog at ...

After Signing, Smith Excited To Get Going
DallasCowboys.com
But under the Collective Bargaining Agreement agreed to on Monday, this is the new normal, and Smith's four-year $12.5 million deal is sort of the model for how rookie contracts will look in the future. But Smith couldn't have been too worried about ...
Town Talk: Homebuilding numbers down from a year ago; new clothing store opens ...
Lawrence Journal World
So, it looks like the building industry isn't at rock bottom levels anymore, but now the question has become: Are these lower numbers the new normal? For the Lawrence economy, a lot rides on the answer. There has been one type of construction, though, ...
Nasscom plans IT-ITeS sector skill council
Express Buzz
The summit focused on identifying and understanding the 'New Normal for Soft Assets' discussing amongst others the key theme of employee trust and alignment in the workplace. Rajendra Pawar, Chairman, NASSCOM, said, “With India becoming a hub for ...
Littwin: The Washington horror picture show
Denver Post
This is the new normal. Cliff-walking is the new national sport. The House Republicans have taken up a strategy best described by the famous National Lampoon magazine cover from the '70s, in which you see a gun pointed to the head of a cute pup and ...
Disconnect between unemployed ?and jobs available
Brant News
They were faced with their new normal and it was very difficult.” Accepting the new reality for many of the workers is something that is difficult, but something Evenden said is very necessary if they hope to win a second career opportunity. ...
Calls going through roof over debt ceiling [The Hutchinson News, Kan.]
TMC Net
Pat Roberts' office in Washington -- the new normal since President Barack Obama urged in a Monday night televised address on the debt ceiling debate for people to contact their lawmakers. Phone calls were "just back to back" Tuesday, ...
City designates funds for Port, incinerator
Republican Eagle
15, will center on general and special revenue funds. The council will have to keep in mind many new fiscal realities, Hallock told members Monday. "The 'new normal' is year-over-year reductions in revenues to finance the services that the community ...
Letter: Apathy toward flood recurrence dangerous
The Republic
Recent flooding in Memphis and along the Mississippi and Missouri rivers indicates damaging wet weather events are the “new normal.” Forecasters are predicting even more extreme weather in the future for whatever reasons, global warming or otherwise. ...
Experts: Triangle real estate at bottom
Bizjournals.com
“People have adjusted to the new normal. They're feeling comfortable with the environment and seem to be moving forward. If we can avoid some crisis like defaulting on our national debt, I feel good about our ability to move forward into the future. ...
That Was Then, This Is Now
Auburn Journal
This housing industry will have to find its base before that part of our economy gets back on a “new Normal” path and the building trades start hiring again. No matter how much you throw at the housing market, it will not stick until the Market clears. ...
Dramatic carbon loss reported from massive Arctic wildfire
Click Green
And the scientists don't yet know if the land can recover the carbon and energy balance of its pre-burn state, or if they are looking at a “new normal,” Shaver says. This research was supported by the NSF Division of Environmental Biology, the Division ...
A Penny for Your Thoughts: News of Greater Falls Church
Falls Church News Press
In a session about the "New Normal" for public employees, a speaker from Wisconsin outlined the mood following draconian changes there this winter. She likened the situation to a professional football team, with a new playbook and new players, ...
Siren song: harsh realities of state and local budgets hit Portsmouth Fire ...
Wire
All the City Council and department heads can do is continue working together to solve each problem that arises. “My belief, whether it's Fire Station 3 or whether it's government costs in general, is this is the new normal for government,” he said.
Bookstores: Survival of the Fittest
Memphis Daily News (blog)
That's why I think we'll have sort of a new normal. You can go to Amazon.com and get a better selection than any bookstore, so if you're just going to get a book, increasingly I think people will go elsewhere.”
Mailbag: Broken promise on trade
Albany Democrat Herald
Auto manufacturing has come back some and hired back about all they are going to hire because they use more and more robots and outsource work overseas. There is a new normal, and it is a USA without jobs for the working class, with Wall Street traders ...
Cameron International's CEO Discusses Q2 2011 Results - Earnings Call Transcript
Seeking Alpha
So that is a new normal then in terms of sort of a normalized run rate going forward? Kind of take the first half of the year divided by 2 to get a quarterly number. All right. Well, that's important. And then with regard to major projects, ...
Talking with pop superstar Ke$ha proves that under all that glitter and ...
Nashville Scene
Much to the horror of conservative parents everywhere, this is the new normal. The reason so many people can relate to songs like "We R Who We R," "Take It Off" and "Blow" isn't because it's a pop star singing from an elevated or privileged position. ...
ADB: Asian economies' growth slows down, inflation concerns remain
The Asset
The “benign neglect” approach, it seems, is becoming increasingly difficult to justify, especially in the face of the possibility of a “new normal” being formed, where commodity prices rise more rapidly. Short-term reasons behind this include 1) high ...
Oil markets set up another 'triangle' pattern
ICIS (subscription) (blog)
As we discuss in the upcoming Chapter 3 of our eBook, Boom, Gloom and the New Normal, the finest mathematicians and physicists in the world are now employed to develop Wall Street's version of computer games: • Then they execute their trade. ...

Thursday, July 28, 2011

Will the New Normal kill the American Dream?

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Will Dems''New Normal' Kill The American Dream?
Investor's Business Daily
But the "new normal" also comes at a heavy price. One sad element will be perpetual double-digit real unemployment. We will have fewer jobs as businesses invest elsewhere. A slow economy will hurt jobs, but so will easy unionization, an excess of laws ...
Weather service sees slight jump in temps, rainfall with new 'normals'
Joplin Globe
Hatch said the removal of the 1970s from the 30-year average made the new normal temperature figure higher. It is possible that this decade could be as cool as the 1970s. If that were to happen, thenew normal 10 years from now would be lower than what ...
Dennis Hoeser: Lightbourn's 'new normal' is new low
Wisconsin State Journal
Recently, Republicans floated "fake Democrats" to force an extra set of primary elections that cost taxpayers hundreds of thousands of dollars. Lightbourn's "the new normal" is mislabeled and should be called "the new low" of Republican state government.
New economy looking a lot worse than old
Bizjournals.com (blog)
Entitled “Bumpy Journey to a New Normal,” his presentation focused on the contrast between the pre-2008 economy versus the post-2008 economy. Though Jung tried to be upbeat about it, the new economy looks a lot less vibrant that the old one. ...
Home designers aren't expecting return to booming times anytime soon
MLive.com
By Ron Cammel | The Grand Rapids Press GRAND RAPIDS — Architects and home designers headed into a national convention at the Amway Grand Plaza Hotel on Tuesday predicted a “new normal” for economic activity in their industry, rather than a return to ...
Small businesses make good BD role models
Washington Technology
By Bill Scheessele To thrive in the new normal of the government contracting industry, you must make sure that every component of your business development organization is efficient and effective. This includes plans, processes, personnel, ...
I'm surprised rating agencies haven't downgraded me yet
Globe and Mail
(Downgrades have become the new normal. So far today, Greece, Cyprus and Nokia have been cut, and the day's not over. I'm surprised the ratings agencies haven't downgraded me yet, given that my debt-to-output ratio is kind of high - four kids, tuition, ...
Seats Available for Event
Southern Pines Pilot
Seats are still available for "Living in the New Normal: Helping Children Thrive in Good and Challenging Times (LINN)," a professional development event seeking to generate local support for military children in the community. The event is sponsored by ...
Hello to furlough? Federal employees express concern
Washington Post (blog)
When asked if furloughs might be the new normal for federal employees, Davidson replied, “I don't think furloughs and RIFs [Reductions in Force] are the new normal, but they might be around for a period into the near future and that includes through ...
364 days of rampant climate delusion
Wired (blog)
This extreme weather is being called the “new normal.” But there's nothing normal about it. We recently introduced you to The Climate Reality Project. Our new focus is to help citizens around the world discover the truth about climate change and take ...
Ramsey County: County tax to rise despite cutbacks
Pioneer Press
An increase in demand for county services and a decrease in revenue, she said, are symbols of the "new normal." The proposed budget calls for $575.08 million in spending, a decrease of $15.4 million, or 2.6 percent, from the current year's $590.48 ...
India Spending Plans May Lead to More Rate Rises, RBI Deputy Governor Says
Bloomberg
Commenting on the debate in the country on whether the current pace of price gains are the “new normal,” Gokarn said that there is “a level of inflation above which things could spiral out of control and our endeavor as a monetary authority is to make ...
Hotter weather replaces the cool 70s
kjrh.com (blog)
The new normal is warmer. Also remember that normal temperatures are just averages of many years. I cringe when I hear weather folks compare the current weather with the average and say, "this weather is supposed to be _____. ...
Harry Reid: Tea Partiers Not Real Americans
Pajamas Media
One is to bake in their spending spree of the past three years as the new normal, despite the fact that it's unsustainable. Another involves a strategic strike on the Tea Party to hurt the GOP. At least part of the Democrats' strategy in the debt ...
Those left behind: COPS holds annual family camp
Janesville Gazette
"Life is difficult, but one has to quickly make a new normal," she said. "This is the one place in the world where they get that." Tyler said in a near whisper that he tries to help his mom during emotional times by either leaving her alone or making ...
How Congress's high-stakes brinkmanship became the new normal
Alaska Dispatch
The NFL player lockout, the Minnesota state government shutdown, the federal debt ceiling talks – in more and more arenas, high-stakes brinkmanship is starting to feel like the new normal. While haggling and 11th-hour talks have always been hallmarks ...
Wyndham Salvo cash splash to help needy
Wyndham Leader
“But this is the new normal. The demand peaked and it has continued at that level.” Capt Jeffrey said rising living costs, including rate rises for utilities, rent and mortgage repayments, were behind the surge in demand. Capt Jeffrey said money would ...
Storms once again damage Wilbraham neighborhoods
WHDH-TV
Dress rehearsal cause I guess is the new normal for us,” said Robbins. Trees were down everywhere in the area, roads were blocked and power was knocked out in the entire town. “Oh no not again! Wilbraham the new tornado alley,” said Carolyn Breenan....
Twitless in the 21st Century
Danbury News Times
Today we all swim in an ocean of information overload in which attention spans crumble and attention-deficit disorder becomes the new normal. Witness global warming. A couple of years ago, it was serious business. Today, as the levels of greenhouse ...
Ideology Trumps Accomplishment as 112th Congress Pursues Futile Bills
The Atlantic
... to override President Obama's moratorium on drilling in the Gulf. And of course they've voted several times to defund and block the dreaded "Obamacare." Call it grand standing, posturing, or GOPeacocking -- in the 112th Congress it's the new normal.
The Texas Drought "Disaster"
Daily Green
NASA had another word for the conditions: "Disaster." High heat and drought in this part of the country are consistent with climate change predictions. Some scientists predict these conditions are closer to a "new normal" than a freak extreme

Aetna Rises After Boosting Forecast
Bloomberg
“Whether this is the new normal or not, we just don't know yet.” Net income rose 9.3 percent to $536.7 million, the insurer said in the statement. Profit excluding capital gains rose to $522.8 million, or $1.35 a share, from $450.2 million, or $1.05, ...
DSS commissioner trying to push back a tidal wave of paper
The Connecticut Mirror
... increase under federal health reform, which is expected to add more than 100000 people to Medicaid in 2014. "Demand for our services will continue to be fierce," he said, "and so we will have to reconfigure our systems to prepare for this new normal."
Investors eye US debt ceiling debate
Business News Network (blog)
We could get a sigh of relief on both counts (certainty is always better than uncertainty), followed by a period of adjustment for what again might be a new normal. But for equity investors, maybe it should be a matter of who cares. ...
The Debate on US Debt Is Just Beginning
Independent Women's Forum
... a budget process since 2009) and a President who pays lip-service to debt reduction, but has offered no plan other than to pile on trillions more debt and raise taxes to make our bloated government (spending 24 percent of GDP) the new normal...
More scientists see climate change in today's extreme weather conditions
Tampabay.com
This combined with an already naturally extreme year to "create an extraordinary period of extreme weather," he wrote in a recent post on his weather blog. He expects the extreme weather of late to become the new normal in 20 or 30 years, he said.


Woodruff: Animosity Abundant in Washington
PBS NewsHour
If that is the new normal in Washington, it will be a long season -- for the debt ceiling, this round or any future one -- for the budget, for votes on trade pacts, energy legislation, health care and on and on. Fasten your seatbelts.
Report: Post-recession jobs don't pay as well as the ones that were lost
Daily Kos
Or is this part of that awful but oft-voiced description of our future—the "new normal"? Are the majority of Americans forever stuck with McJobs? Will younger people seeing such a dead-end future for themselves begin to feel more of a sense of ...
Infosys Attacks Whistleblower in Wake of Senate Testimony
IT Business Edge (blog)
This is the "new normal". We either change and adapt or we accept our inevitable decline. We accept that we will leave our country is worse shape for our children than our parents left it for us. It's not that I want a "protectionist utopia". ...
State employees: Push for efficiency instead of layoffs
Knoxville News Sentinel
"Tennesseans elected Bill Haslam to run state government efficiently and effectively during what he has called the "new normal" in which government is expected to do more with less. Each state department's top to bottom review is an effort to assess ...
Book Review: The Economy in Mind
MarketMinder
Most of all, back in those days, folks fretted about a similar kind of “new normal”—an extrapolation of the recent past far into the future—as they do now. The amazing thing is how well most of Brookes's words hold up—it's as if he's speaking to ...
The bank is right
National Post (registration)
The crisis that began in 2007 pushed Canada into unknown territory, and though it currently seems to be returning to normal more smoothly than many economies, no one can possibly know what a new normal is going to look like, or even whether the many ...
NWS: Red River summer flooding is 'not unusual'
Grand Forks Herald
All the rain we're getting now isn't helping, though. “In a prolonged wet cycle, we have the deck stacked against us,” Ewens said. The region has been in a wet cycle since about 1993. “To some of us, it is unusual. But it's becoming the new normal.”
VIEWS & OPINION
Financial Express Bangladesh
The global meltdown and the New Normal have made bankers' pursuit for faster and innovative product launch, faster customer on-boarding while retaining existing ones. The key words are differentiation, transformation and compliance. ...

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