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5 Beware Defective Equipment and Inflated EgosDisaster struck less than thirty miles into my first tour when my travelling partner’s rear pannier rack broke. We’d just traversed a particularly treacherous stretch of terrain that was far more suited to thick tired mountain bikes than fully loaded touring road bicycles. In a display of ego driven folly, my friend had steamed ahead, bouncing over rocks and hurtling along the track like a downhill racer.
Morals and ethics are not owned by religion, multiple civilizations around the world espouse similar codes of conduct and when we are building a secular society, introducing religion into the public sphere has only made things worse in all of history. The calls to genocide, slavery and other barbarisms in Abrahamic religions has led to countless sufferings and in the society we have built so far, our secular, decent code of laws and ethics recognize them as wrong anyway. JBP acts like an apologist, claims lack of religion would lead lack of morality, that why I don respect him as a freethinker.
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Projects typically last several weeks or semester long and encompass several content areas and presentation skills. Some projects call for students to conduct research and design a project that will be displayed in the community, or presented to students in younger grades. Many are engineering projects students design a ramp, catapult, building or robot.
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According to the present norm, and with the Basel II deadline fast approaching, banks have to maintain Capital Adequacy Ratio of at least 10%. The net interest income (NII) is the revenue on the assets and the cost of servicing the liabilities. In other words, the NII is the difference between the interest payments to the bank on loans and the interest payments by the bank to the customers on the deposits.