Life After Nrbs

This is the definitive account of the Royal Bank of Scotland scandal. For a few brief months in 2007 and 2009, the Royal Bank of Scotland was the largest bank in the world. Then the Edinburgh-based giant - having rapidly grown its footprint to 55 countries and stretched its assets to £2.4 trillion under its hubristic and delinquent former boss Fred Goodwin - crashed to earth. In Shredded, Ian Fraser explores the series of cataclysmic misjudgments, the toxic internal culture and the 'light touch' regulatory regime that gave rise to RBS/NatWest's near-collapse. He also considers why it became the most expensive bank in the world to bail out and why a culture of impunity was allowed to develop in the banking sector. This new edition brings the story up to date, chronicling the string of scandals that have come to light since taxpayers rescued RBS and concluding with an evaluation of the attempts of the bank's post-crisis chief executives, Stephen Hester and Ross McEwan, to dismantle Goodwin's disastrous legacy and restore the damaged institutions to health. 'A gripping account - RBS was a rogue business, operating in what had become a rogue industry, with the connivance of government. Read it and weep' – Martin Woolf, Financial Times

Report to the federal ministers of Environment and Indian & Northern Affairs, Alberta's Minister of Environmental Protection, and NWT's Minister of Renewable Resources. Summarises the main scientific findings of the Northern River Basins Study, which was established to examine the relationship between industrial, municipal, agricultural, and other development and the Peace, Athabasca, and Slave River basins. Reviews the characteristics of the northern river basins and their peoples, the organisation of the Study, and major findings in the areas of environmental overview, use of aquatic resources, traditional knowledge, flow regulation, fish distribution and habitat, nutrients, dissolved oxygen, contaminants, drinking water, ecosystem health, modelling, human health, and cumulative effects. Recommendations by the Study Board, First Nations, and scientific advisors regarding such issues as basin management, monitoring, research, public participation, and a successor organisation are then presented. Also includes a summary of opinions, suggestions, and recommendations expressed at 17 community workshops held throughout the northern river basins area.

Lists Northern River Basins Study technical reports by issue number, subject, and geographic area studied. Subject areas used to classify the reports are: hydrology/hydraulics, nutrients/dissolved oxygen, contaminants, food chain, drinking water, other uses, traditional knowledge, and synthesis and modelling. Ten geographic divisions are used: three each for the Athabasca and Peace Rivers, and one each of the Wapiti/Smoky rivers, Peace-Athabasca Delta, Lake Athabasca, and Rivière des Rochers/Slave River.

Legal, tax and accountancy practitioners will find this accessible book truly indispensable. It supplies the tools and instructions that will help you build watertight trusts and will trusts in Northern Ireland. This superb book allows you to draft crisp, accurate legally binding trusts and will trusts with the minimum of research. Benefit from: - The practical precedents - use these to create accurate trusts and will trusts time after time; - The latest legislation - everything you need to know on Northern Ireland law and tax law; - All you need to know on trustees - the role and responsibilities, plus how to appoint somebody; - Key financial advice on stamp duty transactions; - A vast amount of knowledge and experience from two leading experts in this field. The main legislative change since the last edition published in 2013 has been the introduction of the complex residence nil rate band which will be covered comprehensively. Practitioners who have little involvement with inter vivos trusts will find this book invaluable for the will drafting chapters. Another important legislative change since the publication of the last edition is the Charities Act (NI) 2013 which clarified the public benefit test and which is also covered in detail in this new edition.

This report characterises the variation in life history traits important to biological productivity in two of the key fish species in the Lower Slave River: inconnu and burbot, both piscivorous throughout most of their lives, abundant in the river, and important for both commercial and Aboriginal subsistence harvest. Specifically, the report describes size at age, the seasonal pattern of sexual maturity development with time, age at maturity, size and age-specific fecundity, and the population age structure of those two species.