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will address this problem in more detail in the Suggestion of an Approach to Determine Economic Capital from the Top Down section later in this chapter. 136For a discussion of what to do about the surplus or deficit between the two capital measures from a value-oriented perspective, see e.g., Drzik et al. (1998a), p. 27. 137Also, for an extensive discussion of a practical approach for resolving the capital structure problem in banks, on aligning the various capital types, and what to do with excess capital, see Davis and Lee (1997), pp. 33+. They suggest the following procedure: (1) Determine economic capital as a lower bound for the bank s target level of capital. (2) Compare (1) against the regulatory minimum requirement (as indicated above, most banks want to exceed (2) in order to avoid the risk of regulatory intervention; alternately, they could decide how much regulatory intervention and hence business disruption they are willing to accept observing the volatility of (1) over time can indicate how large the margin should be). (3) Balance (1) and (2) against other factors such as peer group capital ratios (which could be dangerous, see above), the bank s (future) risk appetite, its target credit rating on senior debt, and so on. 138Since risk/economic capital is only a fictional amount of money and it is difficult to match it with actual capital, it is obvious that it is less binding than the regulatory requirement. 139See Davis and Lee (1997), p. 41. 140However, as Jagtiani et al. (1995) and Calstrom and Samolyk (1995) claim, securitizations are driven more by economic than by regulatory factors (e.g., to exploit comparative advantages while still maintaining sufficient [economic] capital). 141See, for example, Pfingsten and Schr ck (2000), p. 9. 142See Merton and Perold (1993), p. 23.

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Notice the CompanyName group header that was added by the Group Header setting in the Group, Sort, and Total dialog box. The Property Sheet for the unbound text box is shown so you can see the expression used to fill the text box. This little trick works because all the rows within a CompanyName group have the first character in common. Using the Left$() function to peel off the first character and use it as the text in the text box in the group header provides an attractive, useful heading for the CompanyName groups.

The phenoxypanolamine t i p r o p i d i l (52) interestingly exhibits much the same biological a c t i v i t y as i t s phenylethanolamine parent s u l o c t i d i l (53).

= Week beginning & [OrderDate] & :

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1. Heat the butter a large saucepan and add the onion and paprika. Cook until onion is soft. 2. Add the tomatoes and potatoes. Pour in enough stock just to cover the potatoes. Add a small amount of salt (about 2 tsp/10 mL), but undersalt because liquid will reduce. 3. Simmer until potatoes are cooked and liquid is mostly evaporated or absorbed. Stir gently from time to time. 4. Season to taste. 5. Garnish with chopped parsley at service time.

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