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sperm and eggs, or more gyrating nuptial flights. We don t have the exact answers. The experiments have not been done to enable us to know precisely what body part was sacrificed as unnecessary so some other body part could be built that rendered better overall success in reproduction. But the logic has been laid out in evolutionary theory. Trade-offs have been made. And think of the mutant ant making it through the winter. It probably would not just be a matter of feeding and therefore nutritional selfmaintenance. What if its wings became tattered To replace wings (which no insect can do) would require new metabolisms. And in living longer it would be more prone to disease. Fighting disease might require an improved immune system. In other words, living longer requires increased metabolic complexity. Long life comes at a price. That is why we cannot just consider a redesigned animal for longer life and keep all things equal. Sure, with all else equal it would be good to put off death and keep the creature around for more reproduction. But keeping the creature around would entail a different kind of creature and thus complexity, more genes or more complex enzymes present all the time. And that could diminish success in competition for reproduction.100

The Asset Substitution Problem Debt holders (ie, all creditors to the firm) hold fixed claims on the firm because they lend money with the expectation that the projects undertaken by the firm will have a certain risk level202 and (ex ante) set the interest rate on the bonds accordingly On the contrary, shareholders are residual claimants They hold claims whose value is equivalent to a call option on the value of the firm, since they have the right to take over the firm by buying back all debt at any point in time203 As with any other option, the value of the shareholders equity rises as the variance in the returns of the underlying asset increases, that is, an increase in the volatility of the firm s cash flows will increase the value of the equity.

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Therefore, shareholders (and their managers) have an incentive to switch from low-variance investment projects (as promised on the issuance of the debt) to high-variance projects This behavior is called asset substitution204 or risk-shifting within the corporation,205 and increases the value of the shareholders claims while reducing the value of the fixed claims206 This will basically not only transfer wealth from debt holders to shareholders,207 but will also be typically not beneficial to the firm as a whole The incentive for asset substitution rises the closer the firm is to distress, because shareholders have a chance to restore the value of their equity by taking large risks If the risk taking does not work out, then shareholders are not worse off, since their equity had little or no value anyway This could go as far as accepting negative NPV projects with large upside potential (ie.

Example 4.22 shows a Verilog code that uses the shift right operator to shift the three-bit bus signal tempA by one bit to the right.

When I became involved with Bankrate in 1993, managing one s finances effectively was difficult at best. The ability to obtain timely apples to apples comparisons of various banking products such as mortgages, CDs, credit cards, home equity and auto loans was limited mostly to rates published in newspapers and magazines. This information was usually provided by Bank Rate Monitor, our predecessor company. At that time, Bankrate covered only 16 products in just 25 markets. Although there were many options available to consumers, a comprehensive view of the best banking products and rates for their needs was all but impossible to obtain. All that has changed. Today, Bankrate offers editorial and rate information on 250 products in more than 200 markets nationally with products and markets being added constantly. Up-to-the-minute rate comparisons and product information are instantaneously available for free to the individual through Bankrate.com. Each year so many people consult Bankrate.com that it has become the leading consumer banking site on the Internet. Its rate information is distributed by 140 newspapers, including nine of the nation s top ten, a roster that includes such luminaries as the Wall Street Journal, The New York Times, and USA Today. Bankrate is even the data source of record for the Associated Press, Bloomberg Financial Markets, and the Federal Reserve.