1 Table of Contents: “...3.4 Income statement and statement of cash flows4 'Accrued accounting" for interest rate instruments...”

2 Table of Contents: “...Intermediation Game -- Allocation Game -- Interest Rate Game and Symmetric Equilibria -- Economy...”

3 Table of Contents: “...Overview of Yield Curve ConstructionCash LIBOR Rates -- 90D Eurodollar Futures -- Swaps -- Generic...”

4 Table of Contents: “...Failure of Machines Types of Forces; Strength; Creep (Deformation); Fatigue (Material); Rate...”

5 Table of Contents: “... Measurement: Cash Flows and Present Value Discount Rates; Summary...”

6 Table of Contents: “... -- Payroll and Direct Deposit Records in General -- Employee Handbook/Policy Manual -- Medical Insurance...”

7 Table of Contents: “...Savings Bank Account with Commercial Banks -- Bank Fixed Deposits -- Company Fixed Deposits -- Post...”

8 Table of Contents: “... Panel Data -- More on Equilibrium Credit Rationing and Interest Rates: A Theory with New Evidence...”

9 Table of Contents: “... Credit Agreements; 6.6 Annual Percentage Rate of Charge (APR); Sheet 7: Capital Requirements Directives...”

10 “... to their clients. In addition, as interest rates have come down and the stock market has gone up and come down...”

11 “..., government implicit guarantees and the deposit insurance systems reduce the monitoring of depositors...”

12 “... parties--the borrower, the loan originator, the servicer, the rating agency, the special purpose vehicle...”