Saint Gallen University Admission Hints

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The eurozone crisis is an ongoing financial crisis that has made it difficult or impossible for some countries in the euro area to repay or re-finance their government debt without the assistance of third parties. The European sovereign debt crisis resulted from a combination of complex factors, including the globalization of finance; easy credit conditions during the 2002–2008 period that encouraged high-risk lending and borrowing practices; the financial crisis of 2007–08; international trade imbalances; real-estate bubbles that have since burst; fiscal policy choices related to government revenues and expenses; and approaches used by nations to bail out troubled banking industries and private bondholders, assuming private debt burdens or socializing losses. One narrative describing the causes of the crisis begins with the significant increase in savings available for investment during the 2000–2007 period when the global pool of fixed-income securities increased from approximately $36 trillion in 2000 to $70 trillion by 2007. This "Giant Pool of Money" increased as savings from high-growth developing nations entered global capital markets. Investors searching for higher yields than those offered by U.S. Treasury bonds sought alternatives globally. The temptation offered by such readily available savings overwhelmed the policy and regulatory control mechanisms in country after country, as lenders and borrowers put these savings to use, generating bubble after bubble across the globe. While these bubbles have burst, causing asset prices (e.g., housing and commercial property) to decline, the liabilities owed to global investors remain at full price, generating questions regarding the solvency of governments and their banking systems. How each European country involved in this crisis borrowed and invested the money varies. For example, Ireland's banks lent the money to property developers, generating a massive property bubble. When the bubble burst, Ireland's government and taxpayers assumed private debts. In Greece, the government increased its commitments to public workers in the form of extremely generous wage and pension benefits, with the former doubling in real terms over 10 years. Iceland's banking system grew enormously, creating debts to global investors (external debts) several times GDP. The interconnection in the global financial system means that if one nation defaults on its sovereign debt or enters into recession putting some of the external private debt at risk, the banking systems of creditor nations face losses. For example, in October 2011, Italian borrowers owed French banks $366 billion (net). Should Italy be unable to finance itself, the French banking system and economy could come under significant pressure, which in turn would affect France's creditors and so on. This is referred to as financial contagion. Another factor contributing to interconnection is the concept of debt protection. Institutions entered into contracts called credit default swaps (CDS) that result in payment should default occur on a particular debt instrument (including government issued bonds). But, since multiple CDSs can be purchased on the same security, it is unclear what exposure each country's banking system now has to CDS. Greece hid its growing debt and deceived EU officials with the help of derivatives designed by major banks. Although some financial institutions clearly profited from the growing Greek government debt in the short run, there was a long lead-up to the crisis. The European bailouts are largely about shifting exposure from banks and others, who otherwise are lined up for losses on the sovereign debt they have piled up, onto European taxpayers.

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Article Title : Controversies surrounding the eurozone crisis
Article Snippet :to describe them as such. According to a study by economists at St Gallen University credit rating agencies have fueled rising euro zone indebtedness by

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The George Washington University School of Medicine and Health Sciences (GW SMHS for short) was established in 1824, due to the need for doctors in the District of Columbia (DC). The school formally opened its doors a year later in 1825. It is the eleventh oldest medical school in the United States and the first medical school established in the nation's capital. The school has more than 700 medical students currently enrolled in its Doctor of Medicine (MD) program.

GW saw rise in the number of applications, to 14,649 applications in 2012.

The George Washington University School of Medicine is at the forefront of technology for research and application. GW's innovations include the six-million volt linear accelerator, a radioisotope laboratory, and the first operating theaters with overhead observation decks, among others. Political figures, such as former Vice President Dick Cheney and former First Lady Laura Bush, also come to GW for routine and emergency procedures. The school was in the national spotlight in 1981 when US President Ronald Reagan, shot at close range, was rushed to its ER for surgery.

The Himmelfarb Health Sciences Library is the academic library for GW SMHS.

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Yale University

Yale University is a private Ivy League research university in New Haven, Connecticut. Founded in 1701 in Saybrook Colony as the Collegiate School, the University is the third-oldest institution of higher education in the United States. In 1718, the school was renamed Yale College in recognition of a gift from Elihu Yale, a governor of the British East India Company and in 1731 received a further gift of land and slaves from Bishop Berkeley. Established to train Congregationalist ministers in theology and sacred languages, by 1777 the school's curriculum began to incorporate humanities and sciences and in the 19th century gradually incorporated graduate and professional instruction, awarding the first Ph.D. in the United States in 1861 and organizing as a university in 1887.

Yale is organized into twelve constituent schools: the original undergraduate college, the Yale Graduate School of Arts and Sciences, and ten professional schools. While the university is governed by the Yale Corporation, each school's faculty oversees its curriculum and degree programs. In addition to a central campus in downtown New Haven, the University owns athletic facilities in western New Haven, including the Yale Bowl, a campus in West Haven, Connecticut, and forest and nature preserves throughout New England. The university's assets include an endowment valued at $23.9 billion as of September 27, 2014, the second largest of any educational institution in the world.

Yale College undergraduates follow a liberal arts curriculum with departmental majors and are organized into a system of residential colleges. Almost all faculty teach undergraduate courses, more than 2,000 of which are offered annually. The Yale University Library, serving all twelve schools, holds more than 15 million volumes and is the third-largest academic library in the United States. Outside of academic studies, students compete intercollegiately as the Yale Bulldogs in the NCAA Division I Ivy League.

Yale has graduated many notable alumni, including five U.S. Presidents, 19 U.S. Supreme Court Justices, 13 living billionaires, and many foreign heads of state. In addition, Yale has graduated hundreds of members of Congress and many high-level U.S. diplomats, including former U.S. Secretary of State Hillary Clinton and current Secretary of State John Kerry. Fifty-two Nobel laureates have been affiliated with the University as students, faculty, or staff, and 230 Rhodes Scholars graduated from the University.

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