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Students will be excused from third year activities to seek needed medical care after notification and approval of the Core Clerkship or PEP Director or his/her designee. Advanced notice is preferred and should be directed to the appropriate Clerkship Director as soon aspossible. Students may request an absence in order to participate in a professional conference if she is giving a presentation, is on the conference planning committee, or has other official duties related to the organization and/or conference. Absence requests are not guaranteed and should be submitted to the appropriate Core Clerkship Director or PEP Director for consideration no later than four weeks prior to the start of the rotation. Students are expected to participate in all activities of the clerkship. Absence requests of a non emergency nature should be directed to the appropriate Core Clerkship Director or PEP Director for consideration no later than four weeks prior to the start of the rotation. All absences will be submitted centrally through the Time Off request form. Students are asked to complete the Time Off request form to make their formal request with submission to the selected departmental director of which they seeking to be excused from in either the Core or PEP. All absences will be reported to and monitored by the Office of Student Affairs and the Year Three Director. Students with multiple absences will be discussed at the Year 3 Student Progress Subcommittee Y3 SPS. The Y3 SPS will make recommendations regarding student support actions and remediation for those with multiple absences that will be sent to the SIU School of Medicine Student Progress Committee as needed.
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, and Scruggs, T. E. 2011. Reading comprehension strategy instruction and attribution retraining for secondary students with learning and other mild disabilities. Journal of Learning Disabilities, 441, 18 32. Duke, N.
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The major Australian banks are already subject to a higher capital charge for being Domestic Systemically Important Banks D SIBS, but offshore expansion could ultimately lead to a Global SIB categorisation and further capital imposts. In general, the thrust of post crisis regulation is towards disincentives for banks becoming too big. A final factor, virtually unique to Australia, arises from tax considerations. An increasing share of earnings generated offshore would reduce the ability of Australian banks to pay fully franked dividends. This is equivalent to banks facing a higher cost of capital for overseas activities than for domestic activities. For shareholders such as this writer in ANZ or other Australian banks, this would mean that offshore expansion would need to be even more profitable than domestic activities to be value adding. Then, and it is an unlikely outcome, higher partially franked dividends could be paid to offset the reduction in franking. So: the cost of capital is probably higher for overseas versus domestic activities of Australian banks due to dividend imputation; capital requirements are a bigger problem; and the ASEAN region is putting some potential roadblocks in place which hinder ease of foreign bank entry and competitiveness. And added to all that is the massive potential disruption to traditional banking being posed by innovation and Fintech, requiring a focused response to preserve competitive advantages in existing markets and products. Author: Kevin Davis, Research Director of Australian Centre for FInancial Studies and Professor of Finance at Melbourne and Monash Universities, Australian Centre for Financial StudiesDwelling values across Australias capital cities were 0. 9% higher in January driven partially by a rebound in Sydney and Melbourne.