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ment) are, for example,59 debt holders (such as bondholders, lenders/depositors, and other creditors), employees, customers, suppliers, society, the government, and, especially, regulatory bodies in the banking industry. Still, since management can always apply the NPV criterion60 to find out how much a particular decision benefits or harms the shareholders,61 any decision made under the value maximization proposition as long as all externalities are priced and included automatically reflects the optimal choice for all involved constituents.62 However, this might not function so automatically for banks. The various stakeholders interests are much more relevant and have a more farreaching impact on banks. Banking is a heavily regulated industry in many countries for good reasons.63 Regulators on behalf of society at large and bank depositors in specific try to avoid systemic risks64 and to protect customer savings.65 As indicated by Equation (2.1), if banks try to (na vely) maximize value (for example, in the interest of the shareholders), they can often only increase cash flows by exploiting growth opportunities, which are in turn usually associated with increased risk taking. Risk is therefore a necessary but manageable complication in the effort to increase a bank s returns.66 Nonetheless, all bank stakeholders are extremely concerned with this increased risk taking, because they are particularly sensitive to any increase in the likelihood of bank default. This is true because:

each year An alternative is to use one of the software programs that allow more precise treatment These programs ask for an estimate of the year when these expenses will be incurred For example, a program might ask how often a car will be purchased and what the cost in today s dollars is likely to be This information is included in the estimated income and spending for that year Unlike the simple methods, the more sophisticated software calculates the spending of each year separately instead of assuming uniform spending each year This can make for a more accurate projection of total retirement spending Mature-years spending Simple retirement models assume the same amount is spent each year all through retirement The truth is that most people slow down as they age Sometime between ages 75 and 85 many people choose to travel less, golf less, and dine out less.

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There are differences as well as similarities between traditional electronic warfare and the kinds of attack that can potentially be run over the Net.

employed (Net Working Capital + Net Fixed Assets). This ratio was used rather than the more commonly used ratios of return on equity (ROE, earnings/equity) or return on assets (ROA, earnings/assets) for several reasons. EBIT (or earnings before interest and taxes) was used in place of reported earnings because companies operate with different levels of debt and differing tax rates. Using operating earnings before interest and taxes, or EBIT, allowed us to view and compare the operating earnings of different companies without the distortions arising from differences in tax rates and debt levels. For each company, it was then possible to compare actual earnings from operations (EBIT) to the cost of the assets used to produce those earnings (tangible capital employed).* Net Working Capital + Net Fixed Assets (or tangible capital employed) was used in place of total assets (used in an ROA calculation) or equity (used in an ROE calculation). The idea here was to figure out how much capital is actually needed to conduct the company s business. Net working capital was used because a company has to fund its receivables and inventory (excess cash not needed to conduct the business was excluded from this calculation) but does not

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If we calculate the phase angle for a cycle time of T = 0 02 s we get 22.9 degrees which suggests that with this signal update-rate the system will have a phase margin of slightly better than 45 degrees. The Nichols chart of Figure 6.17 shows the system response curve with the digital controller dynamics included showing that the dynamic response

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