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明星资讯腾讯娱乐2019年11月16日 08:17:04
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Business商业报道Advertising to the super-rich掘金超级富豪Posters for plutocrats为财阀们量身打造的海报How to sell more stuff to those who want for nothing如何向什么都不缺的人销售更多的东西If you doubt that the rich are different from you and me, try visiting a private-jet terminal.如果你怀疑有钱人不同于你我,你可以去一个私人飞机候机厅看看。One group waiting to board at Farnborough airport near London recently was a family of three generations and five dogs,最近一家祖孙三代人和五只宠物在伦敦附近的范堡罗机场等待登机,who would enjoy more in-flight pampering than any economy-class passenger could hope for.他们在飞机上享受到的务超越了任何一个经济舱旅客的想象。Passengers do not linger long:他们等待登机的时间并不长:15 minutes or so before boarding.大概也就15分钟。There are no duty-free shops.机场里没有任何免税商店。But it would be a pity not to tap into these travellersdeep pockets as they pause between limo and aircraft:但是没能在这些富豪走出轿车和登上飞机的间隙时间中,好好利用这段商机,还是挺可惜的:if you cannot sell, at least you can market.如果你卖不出去东西,至少你可以进行营销嘛。That is the ambition of Adlux, a Swiss firm that runs ads in private-jet terminals,这也正是瑞士公司Adlux的志趣所在。Adlux在私人飞机起始站做广告,perhaps the most rarefied form of out-of-home advertising, a category that includes billboards and bus-shelter posters.可能这是户外广告中最少见的一种形式,相比较而言,户外广告牌和公车站的海报倒是比较常见。The richest 0.5% of the world population owns half the wealth, its brochure cheerfully notes, and 1m people fly by private jet each month.公司的宣传册上写道:世界上最富裕的人只占总人口的0.5%,但是却拥有世界一半的财富,而且每个月乘坐私人飞机的人达到100万。Before boarding they are in a completely captive environment with few distractions, says Lisa Rokny, an Adlux executive.公司经理Lisa Rokny说,这些人在登机之前都是绝佳的买主,并且这种时候他们往往都无事可做。Mounted above the coffee station in Farnborough, a screen shows a silent .范堡罗机场一家咖啡店上方有一个大屏幕,一直播放着一段消声视频。Pastimes that the rich are presumed to enjoy are interspersed with ads for things they might buy.富豪们可能喜欢的消遣活动中不时穿插着一些广告,宣传的都是一些他们可能会买的东西,比如奢侈手表和私人务等。Adluxs loops, illuminated posters and product placements appear in 83 terminals worldwide.世界上83个私人飞机航站楼都有Adlux的循环视频、霓虹展板和植入式广告。Clients pay 60,000-70,000 for a four-week campaign at ten fixed-base operators,facilities that handle non-scheduled flights.一场在十个固定运营商举办的为期四周的广告,就收入了6-7万欧元。Business-jet travel in the rich world took a knock in the recession and has yet to recover.在富人世界里,商务飞行在经济危机中遭受打击,至今仍未恢复。But emerging economies are minting new jet-setters.不过新兴经济体正在打造新一代的富豪阶级。Indias business-jet fleet has grown from about 25 in 2005 to over 150 last year.印度的商务客机数量已经从2005年的25架上升到去年的150多架。Moscows Vnukovo airport is Europes busiest for international flights by larger private planes.莫斯科的伏努科沃机场是欧洲范围内大型私人飞机国际航班最繁忙的机场。The pitchmanship adjusts to plutocratsmigration patterns.销售模式随着富豪们的出行模式而进行调整。The middle-aged men who flock to Davos in January are receptive to cars and banking services.那些在一月份搭乘苏黎世基地航班而群聚达沃斯的中年男子们,对汽车和务都乐于接受。Ads for yachts ran in Nice during the Monaco motor-racing Grand Prix.在纳哥托车锦标赛期间,有关游艇的广告在尼斯持续播出。Passengers watch the s for 12 minutes on average, claims Ms Rokny, though the dog-owners did not seem quite so riveted.Rokny表示,乘客们平均观看视频的时间在12分钟左右,虽然那些富豪看得并不认真。This is a slightly old-fashioned approach to seducing the super-rich; experiences are a newer way.这种吸引超级富豪的方式稍稍有点老套了,顾客体验则是一种更加新式的方法。Samsung launched its Bluehouse Club for gadget-loving moneybags with a dinner for 60 at Annabels, a London club.三星推出的青瓦台俱乐部就是针对那些有钱的小电子迷,在伦敦Annabel俱乐部组织60个人的晚餐。A dancer performed on a new high-definition television, then in person.在一台高清电视上表演的舞者,一会就真人出现了。But there is more gold to be mined as the revellers fly home.但是当这些挥霍享乐的有钱人往回飞时,仍然是商机无限。Adlux is thinking of installing vending machines at FBOs which dispense Swiss watches.Adlux现在正在考虑在固定运营基地安置自动贩卖机,销售瑞士手表。 /201308/252650To find the answers, we need to rewind history around 14,000 years to a time when the first people set foot in North America. The continent was about to undergo a profound change, a change these new arrivals may have played a part in.为了找到,我们需要重新回顾14000年前的历史,那时,第一批人类踏足北美大陆,而大陆也即将经历一次深刻的变化,这个变化就是由这些新的到访者带来的。Throughout the ice age, North America was home to a variety of giant creatures. But in little more than a thousand years of the first humans’ arriving, almost two thirds of the largest animals were extinct.在整个冰河时代,北美都遍布各种大型生物。但是就在人类踏足北美大陆一千年多一些的时间后,二分之三的大型动物都已经灭绝。What role did people play in this mass extinction? To learn about their lives, you have to look at the clues they left behind.大型生物灭绝的范围如此之大,人类在其中起了怎样的作用?想要知道他们的生活,你就必须从他们遗留下来的痕迹中寻找线索。Archaeological finds tell us that the first people in North America had an advanced Stone Age technology. They were master of flintknappers meticulously chipping and sharpening pieces of flint to make spears and cutting tools. From the examples they left behind, its obvious they were well equipped to hunt.考古学发现告诉我们,北美洲第一批人类具有先进的石器时代的技术。他们擅长用打火石精细雕刻,用尖利的碎石片制作长矛以及削制工具。从他们留下的工具来看,很明显,他们打猎时很好地利用了这些工具。And we know from spear points found alongside mammoth remains that these hunters tackled even the biggest beasts on the continent. Mammoths would have been a prized source of protein, providing enough meat to feed their families for weeks. The hunters probably worked in pairs or small groups. Any mammoth straying from its own herd would have been singled out.从猛犸象化石上的长矛凹痕我们可以看出,这些猎手们甚至可以扑杀北美大陆体型最大的生物。猛犸象肉蕴含丰富的蛋白质,扑杀一头,便能喂养他们的家庭数周。这些猎人们可能几个人一组或多个人一组。任何离群的猛犸象都可以成为他们的猎物。英文文本来自普特英语,译文属未经许可不得转载。201310/261642

The Promised Land.乐土,福地,希望之乡。This is the view from Mount Nebo in Jordan.这是约旦的尼波山。According to the Bible, this is where Moses died after leading the Israelites for 40 years through the wilderness, on the very threshold of the God-Promised Land he was never actually allowed to set foot in.据圣经记载,这就是西耗费40余年带领以色列人穿过茫茫荒野后来到实际上他从未允许涉足神所应允的乐土前就死去的地方。You dont have to accept the Bible as literal truth to believe that, 3,500 years ago, something extraordinary and fateful in world history did happen over there on the other side of the Jordan Valley.你不必对圣经的一字一句锱铢必较,早在3500年前,世界历史上意义重大的事情的确发生在约旦河谷的另一边。Trying to understand what remains as urgent and necessary for me as it once was for Sigmund Freud.对我来说试图了解残留下什么才是当务之急,因为对西格蒙德·弗洛伊德曾经也是如此。But the first people in the modern era to actually go there and explore the history of the Jews from the ground up werent Jewish at all.但在现代实际上第一个前往那里探究犹太人的历史的并不是犹太人自身。They were evangelical Christians, Victorian scientists, surveyors, clerics and military engineers, funded by bishops and philanthropists.这些先驱是由主教和慈善家所资助的福音派基督徒,维多利亚时代的科学家、测量员、神职人员和军队工程师。150 years ago, the Palestine Exploration Fund despatched a series of expeditions to the place its supporters called the Holy Land.150年前,巴勒斯坦探索基金会派遣一系列考察队前往称为圣地的地方。They wanted to prove the truth of their Christian faith by discovering the Jewish foundation stones on which that faith stood.他们想通过找寻犹太人信仰的基石明基督教信仰的真理。Equipped with the latest in technology that Victorian science could provide, they sought nothing less than the precise grid references for the places where the miraculous events described in the Book of Exodus actually took place.配备了维多利亚时代的科学可以提供最新的技术,他们仍然找寻不到在《出埃及记》中所描述的神奇事件实际发生的精确网格坐标地点。Thats a lovely one, isnt it?这很可爱,不是吗?Thats just beautiful!太漂亮了!Felicity Cobbing, curator of the PEF collection, showed me the fruits of their labours.PEF收藏馆的馆长向我展示了他们的劳动成果。201404/286359

Unless youre an entomologist or a beekeeper, bees typically inspire one thing: fear.除非你是昆虫学者或养蜂人,否则一提到蜜蜂,映入脑中的首先可能是可怕。But most bees are non-aggressive, and only sting when provoked.但是,大多数的蜜蜂并不具备攻击性,而蜜蜂蜇人是万不得而为之!In fact, once you get beyond the stinger, bees are pretty fascinating.事实上,一旦你跨越了蜜蜂蜇人这道屏障,你会发现它们有着令人着迷的魔力。For example, honeybees are great builders.比如蜜蜂是伟大的建筑师。Beehive construction begins with finding a suitable site.蜂巢建造首先从寻觅合适的搭建处开始。Scout bees seek hollow spaces in trees and human-made structures.侦察蜂在树木和人造结构寻找中空的空间。Such spaces must be able to hold at least six and a half gallons, and have a small entrance that faces south for warmth.这样的空间须得至少6.5加仑的空间,而且入口面朝温暖的南方。Once theyve found the perfect spot, the scouts prepare the site by clearing away loose wood or other rubbish and coat the space with a dried tree resin called propolis.一旦找到绝佳的建造蜂巢点,侦察蜂会做好准备工作:清理掉松动的木材或其它杂物,在表层涂上被称为蜂胶的干树脂。 201312/267011

  Finance and economics财经商业Rigging currency markets操控货币市场Bank, fix thyself,作茧自缚The Bank of England faces questions over its role in rigged forex deals.英格兰面临非法操控外币市场的指控。ABOUT two dozen staff have so far been fired or suspended by banks for allegedly tampering with foreign-exchange markets.目前为止,总共约有24名员工因操纵外汇市场而被解雇或停职。The latest twist in the saga came from an unexpected quarter:给这一漫长风波带来新波折的,是令人意想不到的一方:on March 5th the Bank of England announced that it too had suspended an official following an internal investigation.3月5日,英格兰经过内部调查后宣布将一名职员停职。Awkwardly, Britains central bank has gone from inquisitor to a possible protagonist in the latest episode of financial-market chicanery.尴尬的是,这次金融市场诈骗案的最新发展却使英国中央从审问官变为了犯罪嫌疑人。Regulators globally have spent months investigating whether forex traders at big banks rigged global currency markets,全球监管部门已花费数月来调查大型的外汇交易员们是否操纵了全球货币市场,the worlds largest, where turnover is over trillion a day.这个世界最大的市场中的日流通额度达到了5万亿美元。They suspect that bankers used their knowledge of what currencies their clients wanted to buy and sell to nudge market prices against them.它们怀疑员工利用其客户想要买卖的现金种类的消息来推动市场上的汇率下跌。If so, it would be the latest in a long list of financial benchmarks that have been rigged in ways that have bolstered bankers bonuses.如果情况属实,这将成为那一长串纵以获取大量红利的基准数字中的新成员。Fines are still pouring in over LIBOR, an interest rate used to peg contracts worth trillions, which traders fiddled.因操纵LIBOR一个涉及到数万亿合同的利率数字,而受到巨额罚款的仍在不断增加。A plausible defence from the bankers in the latest probe might be that they had told the Bank of England exactly what they were doing.在最新一次调查中,员工辩称曾告知英格兰他们的具体行为。Minutes from regular meetings between the central bank and traders showed widesp concern about the structure of the currency markets as early as 2006.中央和交易员日常会议的记录文件显示,早在2006年货币市场的结构就引起了广泛关注。All sides agreed that it was open to abuse because many clients,各有关方面都认为这极易受到利用,因为众多顾客,from multinational companies to mutual funds with foreign holdings,从跨国公司到有外国资本的共同基金都以一个当日参考汇率来买卖货币,tended to buy and sell currencies from their banks at a single daily reference rate, the London fix, which is calculated using trades executed in 60 seconds of trading at 4pm in London.而伦敦定价是基于下午四点开始60秒钟内发生在伦敦的所有交易来计算的。That means rigging the market for just a minute could reap rich rewards.这意味着操纵市场一分钟就能带来丰厚的回报。A bank that had agreed to sell lots of Canadian dollars, say,比方说,一家在定价时为客户公司卖出大量加元,for a corporate customer could, in effect, depress that currencys price at the fix and so buy them for itself at a slightly lower price.这就会压低货币的价格,从而使能以低一些的价格买入加元。Bankers allegedly shared trading positions ahead of the fix, in internet messaging groups, among them The Cartel and The Bandits Club.据称,员工在在定价之前会在网络上共享交易头寸,比如在卡特尔和强盗俱乐部交易员从不以谨慎著称。Regulators think this is tantamount to fraud; banks have argued they were injecting order in an otherwise unworkable marketplace.监管部门认为这等同于诈骗;而辩解称,他们是在维护市场秩序,以保市场的正常运行。Notes taken by a trader at a meeting organised by the Bank of England in April 2012 suggest the traders had told the bank that they regularly shared information on forex positions.一位交易员在2012年4月英格兰会议上的笔记显示,交易员已经告知他们定期共享外汇头寸的信息。According to Bloomberg, the central bank at least tacitly endorsed their attempts to match buyers and sellers,根据彭社消息,英国中央至少是默许了交易员匹配买家和卖家的行为,purportedly to limit the volatility of everyone trading at the fix.据称这是为了限制定价时各类交易的不稳定性。Discomfitingly, the bank explicitly said notes should not be taken at the meeting. Its own minutes reportedly shed no light on the matter.尴尬的是,曾明确表示开会时是不允许记笔记。方面的会议记录中并未涉及相关事件。The Bank of England denies it endorsed any wrongdoing.英格兰否认自己曾允许违规操作。After reviewing 15,000 e-mails, 21,000 chat messages and 40 hours of phone-call recordings, it said it had found no evidence its staff were privy to any collusion.该表示,在其调查的15,000封邮件、21,000聊天信息和40小时的电话记录中,没有据显示员工私下勾结。But one person at Thneedle Street had breached rigorous internal control processes,但是针线街的一名员工确实违反了严格的内部控制流程,and others have been reminded of the importance of keeping accurate records and telling higher-ups when they hear something noteworthy.而其他人则被提醒了保管好准确的记录以及在得到重要消息时告知上级的重要性。A fuller investigation has been launched.进一步的调查正在进行中。It is not the first time the central bank is painted as a conspirator in financial fiddling—or at least a tolerator of it.这已经不是英国中央第一次被描述为金融舞弊的谋划者或者至少是默许者。In 2012 the then-deputy governor, Paul Tucker, had to flatly deny he had sanctioned duff LIBOR submissions by Barclays at the height of the financial crisis.在2012年,时任副行长的保罗塔克坚决否认自己在金融危机高潮时持了巴克莱提交的经过粉饰的LIBOR意见书。Chummy exchanges with Bob Diamond, at the time the boss at Barclays, made for awkward ing.而他与时任巴克莱行长的鲍勃戴蒙德之间的暧昧谈话,又像是在自打耳光。One potential problem for banks is that, unlike the people affected by LIBOR, it is easy for those who were fleeced by their forex bankers to figure it out.对而言,一个潜在的问题是这些被外汇交易员痛宰的客户不同于受到LIBOR影响的那些,他们更容易发现事实。Perhaps the most curious thing is the timing: much of the currency-market skulduggery happened after the banks had aly come under investigation for LIBOR.最值得玩味的事情也许是,大量货币市场舞弊发生在已经因为LIOBR受到调查之后。That suggests banks were slow to clean up the rotten culture on their trading floors,这表明在清除交易市场上的陈腐文化时非常缓慢,or that they genuinely thought their colluding ways had been officially endorsed.或者他们是真的认为串通行为被官方允许。 /201403/279797

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  Remember that kid in your grade school class who stuttered?还记得小学时班上那个说话结巴的孩子吗?Well, he was in good company–a whopping three million people in the ed States alone are affected by this problem.其实,他的同伴可不少--光是在美国,就有多达三百万的人有这个毛病。It isnt life threatening, but it certainly can be life hampering, as anyone who has a stutter can tell you.当然,结巴并不会危及生命,但是,相信任何一个结巴的人都会告诉你:Theres something very interesting about stuttering, though, which you might not expect: it can be effected by what you hear.它确实会给生活带来不少麻烦。然而,关于结巴,还有个有趣的现象是出乎你意料的:结巴跟你的耳朵关系密切。For a long time stutterers have understood that talking along in a group, such as when you recite the pledge of allegiance, can make the problem diminish.实际上,结巴会受所听内容的影响。一些结巴患者经过长期实践发现,如果连续地说上一段话结巴现象就会缓和不少,比如说在不停地背诵效忠誓言。With the age of electronics, it was found that hearing your own voice played back to you almost as soon as you speak helps a stutter as well.人们发现,如果在说话时能够几乎同步地听到自己所说的内容会有助于减缓口吃。Thats called the “Delayed Auditory Feedback” effect.这就是所谓的“延时听觉反馈”效应。Altering the pitch of the playback gives an extra boost to the effect as well; thats called “Frequency Altered Feedback.”并且,改变所听内容的音调会加强这一效应,这就是“移频听觉反馈”。Now, researchers at East Carolina University in Greenville, North Carolina have created a small device that combines both these effects in a portable earpiece.目前,位于美国北卡罗来纳州格林维尔市东卡罗莱纳大学的研究者们已经研发出一种便携式耳机,这种耳机将上文所说的两种效应结合在了一起。The device fits inside your ear, picks up the sound of you speaking, alters the pitch a little, and plays it back to you.你只需将耳机放入耳朵,它便会收集你的话语并适当地改变音调,最后在回放给你听。The first tests lookpromising: many of the volunteers who had a stutter found that their problem was helped by wearing such an electronic earpiece.第一批测试看起来效果不错:很多参与实验的口吃志愿者都发现,佩戴上这种电子耳机后,口吃情况有所好转。Scientists who study stuttering sound a more cautious note: such effects, while real, have shown a tendency to be short-term.然而,研究口吃的科学家们给出了一个更为谨慎的结论:这些效果固然真实,但持续时间不够长久。Still, even if it isnt a “fix,” tiny microelectronic devices like this may indeed be a help-and we may be seeing more and more of them in the future.但是,即便这一效果不长,像这样的微电子设备确实对口吃有所帮助--相信在以后会有越来越多这样的产品出现。 201407/312744

  

  The foreign-exchange market外汇市场Fixed rates固定汇率The money-spinners await their fate货币投机者只能等待赚钱的时机A CITY worker looking for a quiet place to nap nowadays could do worse than head for his banks foreign-exchange (FX) trading floor. Once noisy with activity as gesticulating dealers moved around billions of dollars, euros and yen, it is more likely now to be an oasis of calm. Bankers are plain bored. “The FX market has been exceptionally quiet,” moaned currency analysts at Citigroup recently. “In fact, its been so quiet that there was almost no point in writing this report.”如果一个市政工人想找个安静的地方打个盹儿,那他还不如去的外汇交易大厅。这里曾经很嘈杂,交易员们在这里做大笔的美元、欧元和日元的外汇交易;但是现在这里却像一片寂静的绿洲。家们简直是闲得无聊。“外汇市场安静得离谱!”花旗集团的一个货币分析师最近哀叹道:“实际上,外汇市场如此萧条,做这份报告几乎没有意义!”The summertime torpor disguises existential angst. Regulators across the world are probing the role of banks in currency trading, apparently convinced it is the latest financial market to have been fiddled. Around 30 bank staff, including many trading-floor bosses, have been suspended or fired. Hefty fines seem inevitable. Worse, reforms may tear the heart out of the FX market as it is presently constituted. Banks, which make money by offering to buy or sell currencies from or to their clients, could go from being central actors to bit players. The future of a business which used to reap annual revenues of 20 billion is at stake.夏季迟钝症掩盖了潜在的危机。全球的监管机构都在调查在货币交易中扮演的角色,显然他们认为这是又一个存在商业违规行为的金融市场。将近30名职员已经被停职或解雇了,其中包括许多交易大厅的老板。巨额罚款看来是不可避免的!更糟糕的是,改革可能会将外汇市场现在的核心业务分离出去。之前是通过向客户买卖外汇盈利的,但是改革之后它在外汇交易中可能将会由主角变为小角色。这个年收益200亿美元的差事儿已经岌岌可危。Not that such bounty is attainable these days anyway, given the placid state of the market. Currency-trading volumes have slumped. That is largely because the worlds big central banks have replaced yo-yo-ing interest rates—which in turn determine the levels of their currency—with a uniform near-zero level since the financial crisis. The upshot is that floating exchange rates have seldom been so stable: volatility has plunged to its lowest level in two decades.在如今这样冷淡的市场环境下,要想获得如此可观的收益是很困难的。货币交易量已经大幅下滑,这主要是因为金融危机之后,全世界的各大央行开始推出统一的接近于零的低利率政策,而放弃了之前随市场波动的浮动利率政策—利率反过来又影响着汇率水平。结果是浮动的汇率出现了罕见的稳定状态:其波动率已经将至了20年来的最低水平。As a result, once-keen users of banks FX services have learned to do without them. Multinationals that might once have tried to hedge their foreign-currency exposures now opt to live with the risk, assuming that exchange-rate movements will remain within a limited range. Financial firms, which make up over 90% of trading volumes, have also pared back. Hedge funds that wager on currencies have shrunk or left the market in recent years. And banks, whose traders sometimes also bet on market moves, are no longer keen to do so. Appetite for risk is non-existent: “This is not a time to try something clever in FX,” says a trading boss in London.这样一来,那些曾经喜欢在交易外汇的用户已经不再热衷于此了。假设汇率只在一个小范围内浮动,那些曾经忙于对冲外汇风险的跨国公司如今也不必为此头痛了。金融机构占据了90%的外汇交易,而现在交易量也下滑了。借助外汇进行投机的对冲基金近些年来也纷纷缩小规模或撤离市场了。对于,一些交易商以前经常进行市场投机,现在这些投机活动也很少了。市场已经不再偏好风险了;一个伦敦的交易大亨说:“现在不是在外汇市场上投机的好时机!”Volatility will eventually come back—British holidaygoers may have noticed the value of the pound rising and falling this week—as the worlds biggest economies recover and interest rates move around more. But the tidy profits once made by banks may not. Much of the market for major currency pairs, such as dollar-euro or pound-yen, is now conducted electronically. Anyone wanting to exchange less than 100m is unlikely even to speak to a human being these days. The sps on trades have become vanishingly thin. Even the profits to be made on making markets in more obscure emerging-market currencies, where sps were once wider, have evaporated. High-frequency traders are moving in, too, hobbling banks.汇率波动最终还是会恢复的--英国的度假者也许会注意到英镑在本周有所起伏--世界上最大的经济体会复苏,利率也会有更大范围的波动。但是过去的丰厚利润可能不复存在。主要货币组合大部分交易市场已经电子化,如美元-欧元、英镑-日元交易市场。现在,任何一个想兑换不足一亿美金外汇的交易商都不会把他的这笔交易告诉别人。交易商的利差将会逐渐缩小。即使是在无名的新兴货币市场,外汇交易的额外利润也会逐渐减少。高频交易商同时也在进军跛足的业。But the big worry is what regulators are likely to say and do. Although they have yet to detail their case against banks, their investigations are focusing on whether FX traders bilked clients by fiddling widely-used daily benchmarks. There is nothing sophisticated about the alleged fraud: clients looking to buy or sell FX from bank trading desks agreed to price currency deals at the price prevailing at 4pm London time, regardless of when the order was placed. Bankers soon found they could bend that price in their favour, and they did. Worse, they appear to have colluded in order to execute the scam. The transcripts of online chat rooms they used, dubbed “the Cartel” and “the Bandits Club”, are likely to amuse neither bank compliance officers nor regulators.但是,金融业最担心的还是监管机构的制裁。虽然金融监管机构暂时还未对案件做出详细报告,但是他们正在集中调查外汇交易商是否通过篡改每日基准利率来欺骗客户。这种涉嫌欺诈的行为很简单:无论什么时候下订单,客户依靠伦敦时间下午四点时的价格向买卖外汇;而家们很快就发现他们可以通过改变那个价格使得自己更有利可图,然后他们这么做了。更可怕的是,他们似乎是勾结起来共同谋划这个阴谋。他们网上聊天的记录被称为“卡特尔”和“土匪俱乐部”,这可能是合规人员和监管机构都不愿意看到的。Much of the errant behaviour happened after banks promised to clean up, having been caught tampering with LIBOR, an interest rate used to peg contracts worth trillions of dollars. Their most plausible defence is that some watchdogs knew about the way the market actually worked, including the collusion. The Bank of England, which oversees the worlds biggest FX centre in London, has suspended an employee.被调查出篡改伦敦同业拆借利率之后,商业承诺清理门户,但却做出了许多违规行为。他们看似最合理的为自己辩护的理由是:许多监管部门一直都知道市场的实际运作方式,包括间的相互勾结。英国央行监管着世界上最大的伦敦外汇中心,日前该已经有一名职员被停职。The fines for the currency fiddle could reach 26 billion globally, according to KBW, a bank. Cheated clients might sue for compensation, too. Many complain the market is no longer fit for purpose. The more powerful among them, including giant institutional investors and asset managers, might egg on regulators who want to change the way currencies are traded. The Financial Stability Board, a committee of global supervisors, has floated the idea of a “global utility” that would match supply and demand of currencies. Whatever that means—and few know for sure—it sounds like a way of sidelining bankers. More details are expected in time for a meeting of G20 leaders in November.根据KBW估计,全球范围内针对篡改货币利率的罚金可达到260亿美元。欺骗客户还可能会遭到赔偿起诉。许多人抱怨货币市场已经不再像以前那么容易控制了。包括大型机构投资者和资产管理者在内的金融从业者权利越大,就越有可能鼓动监管机构改变货币交易方式。金融稳定理事会是一个全球监督委员会,它提出了符合全球货币供求的“全球效用函数”的概念。不管这个概念具体是什么--也很少有人确切的知道--听起来这就像是一个削弱商业作用的措施。详情将会在十一月份的20国集团金融峰会上提出。Banks think a “fine-tuning” of the FX market and a stern reminder to traders not to be crooked would suffice. Some are paring back their currency activities, worried about profits being squashed between fixed costs and shrinking revenues—down to 13 billion this year, thinks Morgan Stanley, a bank. Those that remain may find it a harder environment to thrive in.商业认为一方面对外汇市场加以调整,另一方面郑重提醒客户防止受骗这两种措施就足以解决问题。根史坦利认为,许多正在削减他们的货币交易业务,因为担心由于成本固定而收入不断下降会使利润越来越少--今年已经下降到130亿美元。而那些保留货币交易业务的,必须在更加艰苦的市场环境中奋力求生。 /201408/323658

  

  Business商业报道Starbucks星巴克Just add water加水即成The ailing giant turns to instant coffee for a pick-me-up亏损巨头靠速溶咖啡来提神NO ONE can accuse Howard Schultz of inaction since he returned as chief executive of Starbucks,没有人可以指责重回星巴克的首席执行官霍华德·舒尔茨的无所作为,the firm he built into a multinational only to watch it stumble under his successor.他只是没想到看着他一手建起的跨国公司绊倒在他的继任者脚下。Barely a month has gone by over the past year without the firm announcing some new initiative or other.在过去的一年公司没有公布任何新的咖啡饮料,仅仅不到一个月,The latest came on February 17th in New York, when Mr Schultz unveiled Via, an instant coffee which, he claims,2月17日在纽约,舒尔茨先生推出Via,一种速溶咖啡,他声称,tastes just as good as Java brewed in the shop by one of the firms baristas.其味道和星巴克咖啡大师在店里调配的Java一样香醇。Mr Schultz hopes to win a share of the billion or so the world spends on instant coffee—a product which, he sniffs, has not improved in decades.舒尔茨先生希望赢得全球花在速溶咖啡约170亿美元上的一点份额—速溶咖啡,他嗤之以鼻地说,在过去的几十年里一点儿没改进。Starbucks itself has spent 20 years pursuing the holy grail of an instant coffee that tastes as good as the fresh stuff.星巴克用了20年所追求的圣杯速溶咖啡的味道和新磨的一样好。Don Valencia, the firms first head of research and development, who created the blended and frozen frappuccino drinks that earn Starbucks billion a year,唐?瓦伦西亚,星巴克公司研发部的首席研究员,他研发的法布奇诺咖啡为星巴克每年赢得2亿美元,could never find a way to scale up an instant formula he had developed at home.他在家里研究时一直不能找到一种好的方法即规模化生产的速溶配方。When Mr Schultz returned as chief executive, he noticed that there had been some technological advances, allowing finer grinding, for example.当舒尔茨先生重新回到星巴克任行政长官,他注意到,有了一些技术的进步,例如能够使咖啡豆更精细研磨。So he asked the Ramp;D team to repeat the recently deceased Valencias experiments, and found that we had broken the code.因此,他要求研发团队重做最近已故的Valencia实验,结果发现, 我们已经破译了密码 。The name Via is a hat-tip to Valencia—though during development it was known as Jaws.把这款速溶咖啡命名Via是向Valencia致敬,但在开发过程中它被称为大白鲨。Starbucks says it has patents that should prevent competitors from quickly replicating Via, which will go on sale in some American stores next month.星巴克表示,它拥有专利,可以防止竞争者迅速仿制Via,下个月美国的一些星巴克将开始出售Via。The opportunity may, however, be biggest in other countries: in Britain over 80% of coffee sold is instant, compared with just 10% in America.不过,在其他国家机会可以更大:英国80%以上的咖啡是速溶的,相比之下,美国速溶咖啡只有10%。Assuming Starbucks drinkers decide that Via tastes good, the company will have to get the price right.假设星巴克客人认为Via好喝,公司将不得不把价格定合适。At first, it will come in packets of 12 or 3 individual servings, for 83 and 98 cents a cup respectively.首先,它会分为3袋装或12袋装,分别为83美分和98美分一杯。That is much more than other instants, but much less than a cup of coffee at one of Starbucks stores.这比其他速溶咖啡贵很多 ,但远远低于任何一个星巴克的门店的一杯咖啡。The risk is that the firms existing customers may abandon counter service and start making their own cup of instant.市场的风险在于,公司现有的顾客可能会放弃柜台务,而开始泡速溶咖啡。That would encourage them to visit Starbucks less often, a trend that is aly gathering pace with the recession.这将促使他们去星巴克消费的次数下降,这一趋势已经在加快衰退的步伐。The nickname Fourbucks has not helped at a time when consumers have become cost-conscious.当消费者已经开始省钱时,绰号Fourbucks的人是不会来星巴克消费的。For the first time in Starbucks history, same-store sales have fallen.这是在星巴克的历史上,第一次同一店面销售额开始下降。Mr Schultz has had to accelerate the store-closure programme that he had started in order to correct the over-expansion which prompted his return to the helm.舒尔茨先生不得不加快店铺关闭方案,他已经开始关闭店面以便纠正过度扩张,从而使他重回咖啡王国。To keep customers coming to remaining outlets, he might experiment with discounts such as cheap combination meals of a drink and food.为了让顾客常来剩下的店铺,他可能会尝试打折,如廉价的套餐的饮料和食品。He also wants a visit to a Starbucks shop to be a uniquely uplifting experience.他还希望顾客访问星巴克是一个独特的振奋的体验 。Improving the smell in stores by changing the cheese used in breakfast sandwiches was a start.替换三明治早餐里的奶酪来改善店里的进餐气氛就是一个开始。But ensuring that staff are enthusiastic will be especially difficult when jobs are disappearing.但要确保员工的工作热情将是特别困难的,当工作岗位正在减少时。Mr Schultz remains hostile to unions, but has decided to maintain the firms popular health benefits, while cutting his own pay.舒尔茨先生仍然敌视工会,但决定保持该公司广受欢迎的医疗保险,同时降低自己的工资。Will all this be enough?这样做就够了吗?So far, investors seem sceptical:迄今为止,投资者似乎持怀疑态度:Starbucks share price remains barely a quarter of its all-time high in 2006.星巴克的股票价格仍然是2006年历史最高水平的四分之一。 /201304/237089

  Today, its time once again for another Gross Fact of the Month.今天的节目又到了令人生厌话题的时刻。Uh oh! I hope no ones eating!我希望此时此刻没人正在用餐。Okay, y? In a recent study of people passing through major U.S. airports, it turned out that about thirty percent werent washing their hands after using the bathroom.准备好了吗?最近对经由美国主要机场的人群的调查显示,大概百分之三十的人厕后不洗手。Phew! that wasnt nearly as gross as I thought it would be.那没有我想象中的令人讨厌。Well, think of the consequences.想想后果。These people who dont wash their hands dont just keep them in their pockets.不洗手的人们不会只把手放在口袋里,They walk around shaking other peoples hands, holding babies, and handling food and doorknobs.他们四处走动,也会和别人握手,抱小孩,拿吃的,并接触门把手。Okay, so that it a little gross.喔,被你这样一说有点恶心。So basically, these folks are running around exposing the fastidious hand washers among us to infections that can range from the pesky common cold to SARS, which can be fatal.根本上来说,相比那些仔细洗手的人,这些人更会接触到各种疾病,从普通的流行感冒到致命的SARS。After all, many infections are transmitted through hand-to-hand contact.毕竟许多接触是通过手来传播的。I see what youre getting at.我明白你所说的了。Whats interesting is that people tend to exaggerate when theyre asked about hand- washing.有意思的是人们倾向于夸大洗手的次数。In surveys, ninety-five percent of people claim to wash their hands every time, when the actual observed percentage is much lower.在调查中,95%的人声称他们每次都洗手,而实际观察到的比率要远低于这个数字。So think about the fact that only around seventy-five percent of people claim to wash their hands after sneezing or coughing!想想打喷嚏和咳嗽后有75%的人声称会洗手的事实。The actual numbers there are much lower too, huh?实际数字要比那低得多,对吧?Probably. On the bright side, since the SARS outbreak in Toronto, hand-washing rates at the airport have been near to one hundred percent.很可能。而好的方面是,自从SARS在多伦多爆发后,在机场洗手的比率接近百分百。So all it takes to get people scrubbing diligently is a major epidemic.所以所需要做的就是让勤洗手成为一种习惯。You call that a bright side?你称那为好的方面?Well, the other alternative is education on the importance of washing hands.另一方面也要教育人们洗手的重要性,Now all we need is a catchy slogan.我们现在需要的就是容易记住的口号。 201401/271652

  Good day. Nice to meet you. Pardon? I guess some people do like to use the word thank you a lot. Another word we like to use often is cheers. That can be quite confusing because we also say cheers when we clink glasses. And in some English speaking cultures, people say cheers instead of goodbye. A shortening for cheerio. Cheers.不错的一天。很高兴与您见面。请原谅?我想喜欢用“thank you”这个词的人应该很多。另一个我们经常用的词是“cheers”。因为人们经常在碰杯的时候说“cheers”,所以这很容易让人困惑。且在有些英语文化中,人们用“cheers”代替“goodbye”。“cheers”是“cheerio”的缩写。Today many go around the streets quarter dressed; people snack when and where they like: walking in the streets, sitting on the Tube or in buses. Ours could not be called a respectful society.如今,大街上人们的穿着越来越暴露,人们随时随地都在吃东西:走在大街上吃,坐在地铁里或公交上吃。我们的社会不再是互相尊重的社会。Some argue that many people in Britain have become disrespectful. And it is especially young people who are disrespectful. So who is to blame? Suzy Hayman runs a charity for parents called Parent Line Plus. This is what she has to say about bad manners in Britain.有些人认为许多英国人变得很无礼,年轻人表现地尤为明显。那么是谁的责任呢?苏西·海曼经营着一家倡导双亲家庭的慈善机构,它被叫做“Parent Line Plus”。以下就是她对英国人的不文明习惯的说法。There isnt that much change from 50 years ago, its just that we now hear about it more. But I think that one thing that is different, of course, is the pressures on a lot of parents about work and about split families. And that there are a lot of parents who are absolutely struggling.这与50年前相比没有太大变化,只不过我们所听到的越来越多。当然,我想有件事是不同的,那就是来自工作和家庭分裂的压力。许多家长正在为此而竭力挣扎。Sue Kirkham is a head teacher of a school. This is what she thinks.苏·柯卡汉姆是学校的校长。以下是他对此的看法:I think young people now are spending more time with children their own age and less time in social settings, whether it be in the family or the community, where youve got mixed age people. And the demise of the family meal, and I think that is an important point, is one aspect of this.我认为现在的人与同龄人在一起时间更多,与社会其它年龄段的人士打交道较少,不论是对于混龄的家庭还是社区来说都是如此。我想家庭聚餐的减少主要因为这一点,这是一方面。原文译文属!201307/246501

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