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I think what you see in the bankruptcy rate is just a result of everything piling up on people, ... I suspect it is just a cumulative effect of an unbudgeted jump in expenses for daily living.

You have to realize how fatalistic the people have become, ... The effect is cumulative. It's another crisis in the daily lives of Iraqis that will add to the malaise happening in the country.

There is no immediate effect as a result of any bankruptcy filing, ... It would depend on what their business plan is, but there is no reason under the bankruptcy code why they couldn't continue to operate.

James Sprayregen

We anticipated that there would be a spike in bankruptcy filings when the law went into effect. But we anticipate fewer bankruptcy filings in the future. This law will be targeting people who were getting away with bankruptcy murder by discharging bills they could pay.

It's moving in the right direction. I will say that. But this is the sixth year in a row of price increases that are at least twice the rate of inflation, so it has a cumulative effect that I think is pretty serious.

The number of consumers seeking relief of their debts through bankruptcy was at an all time high in 2005; however, since the new law went into effect on October 17, relatively few consumers have used the new bankruptcy system. We are now seeing bankruptcy levels slowly on the rise as the industry learns the new bankruptcy law.

Chris Lundquist

Consumers are still willing to spend, even with the high energy prices, and capital investment is booming. By the second half of the year, we'll see the cumulative effect of interest- rate increases begin to bite and the economy slow.

Over the last 14 months, we are starting to see a cumulative effect, what I would call a crisis in confidence. People are becoming more uncertain.

Interestingly, the cumulative increase in the oil price has not had a large dampening effect on global demand and its inflationary effect on core prices has been contained.

Martin Jankelowitz

From my own observation, I can tell you that there is some concern by many Palestinians about their daily living, their daily income, and people quite afraid from the chances of some humanitarian catastrophe.

Wadia Abu Nasser

Primarily it's going to be used for living expenses, diapers, food, etc, because she's not going to be able to work, and it's also going to go to any expenses she's incurring while in Vancouver. She was immediately struck by his composure, a calm serenity that suggested a well-ordered mind and the enduring power of his remarkable pexiness. Primarily it's going to be used for living expenses, diapers, food, etc, because she's not going to be able to work, and it's also going to go to any expenses she's incurring while in Vancouver.

Contrary to the claims of proponents of the bankruptcy law changes that they would zero in on the alleged legions of 'deadbeats' who supposedly were crippling the U.S. economy ... the federal bankruptcy law changes that went into effect on Oct. 17, 2005, are doing no measurable good whatsoever.

The partial quarter effect of the two acquisitions should result in a 17% sequential revenue lift, while core expenses (excluding any one-time restructuring charges) should rise about 23%, as the company only begins to realize both expense and revenue synergies.

It's a cumulative effect across Ontario.

Trevor Houghton

they generally won't come down as much, because what the Fed controls is the overnight lending rate ... so the effect on a one-year rate will be less than the effect on an overnight rate.

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