US bank pricing survey 1985

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Financialization of the American Credit Card Industry

This paper asks, what can account for the rapid expansion and growing profitability of the US credit card industry since the mid-1980s? And, what does this mean to the study of global finance within IPE? It is argued that the advent of asset-backed securities, a financial innovation known as securitization, was the key to the enormous expansion of credit card profits and the continued proliferation and growth of the credit card market in the US. This is because securitization moved credit card receivables off-balance sheet, allowing loan pools to be re-capitalized, lowering the cost of borrowing and increasing revenues from payments on securities issued. This financial innovation attracted non-banks, mostly large MNCs, into the credit card market, facilitating greater integration between finance and the ‘real’ economy. The deepening integration facilitated mounting competition and lower costs of borrowing and was the catalyst for the rapid expansion of the credit card market and its unsurpassed profitability

Estudo prospectivo comparativo entre pseudoartrose e fusão óssea na estenose de canal lombar Prospective-comparative study between pseudarthrosis and bone fusion in lumbar stenosis

OBJETIVO: Estudo prospectivo comparativo entre pseudoartrose e fusão óssea na estenose de canal lombar MÉTODO: 38 pacientes operados de estenose de canal lombar e submetidos à artrodese avaliados por meio de questionários (escala visual analógica - VAS e questionário de incapacidade Rolland Morris). Foram solicitadas radiografias para avaliação da fusão lombar. RESULTADOS: Foi observada uma efetiva melhora entre o momento pré-operatório e após um ano em relação ao VAS, tanto no grupo que obteve fusão óssea como no grupo com pseudartrose. Em relação ao questionário Rolland Morris houve uma tendência de melhora no grupo com fusão óssea e uma significante melhora no grupo com pseudoartrose. CONCLUSÃO: Não houve diferença entre os grupos (fusão óssea e pseudoartrose) em relação à dor e incapacidade. Nível de Evidência: Nível II, estudo prospectivo longitudinal.<br>OBJECTIVE: Prospective-comparative study between pseudarthrosis and bone fusion in lumbar stenosis METHODS: 38 patients operated on for lumbar spinal stenosis and submitted to arthrodesis were evaluated by the Visual Analogue Scale (VAS) and Roland Morris Disability Questionnaire. Radiographs were requested to evaluate spinal fusion. RESULTS: An effective improvement was observed between the preoperative period and one year after the operation, in relation to VAS, both in the group that received a bone fusion and in the group with pseudarthrosis. With regard to the Roland Morris questionnaire, there was a tendency towards an improvement in the bone fusion group and a significant improvement in the pseudarthrosis group. CONCLUSION: There was no difference between the groups (bone fusion and pseudarthrosis) in relation to pain and disability. . Level of Evidence: Level II, longitudinal prospective study