Wednesday, August 26, 2020
Yoohoo! A Theater Warm-up This performance center game is a stimulating get ready for use in Theater Class or with any gathering that could utilize a move in vitality! Theater Skills Taking Cues, Cooperation, Cooperative Movement, Ensemble Playing, Remaining Frozen and Silent Materials Replicate a duplicate of the rundown of signals gave beneath. Bearings/Modeling the Process Request that all members remain in an open zone and afterward show them the accompanying lines: Pioneer: Yoo-hoo! Gathering: Yoo-hoo who? Pioneer: You whoÃ¢â¬ ¦ Clarify that you as the pioneer will prompt them with words that propose developments or characters and developments, similar to this: Pioneer: You who sneak like criminals. At that point the entire gathering musically rehashes the final say regarding a murmur multiple times as they move as demonstrated and afterward state Ã¢â¬Å"FreezeÃ¢â¬ and freeze set up: Gathering: Ã¢â¬Å"Thieves, criminals, hoodlums, cheats, criminals, cheats, freeze!Ã¢â¬ The pioneer at that point prompts the following development: Pioneer: Yoo-hoo! Gathering: Yoo-hoo who? Pioneer: You who hop with ropes. Gathering: Ropes, ropes, ropes, ropes, ropes, ropes, hold up! Practice Do a couple of training adjusts until the members get the call-and-reaction lines down and move in mood, freezing at the fitting spot: Pioneer: Yoo-hoo!Group: Yoo-hoo who?Leader: You who move like robots.Group: Robots, robots, robots, robots, robots, robots, freeze!Leader: Yoo-hoo!Group: Yoo-hoo who?Leader: You who style hair.Group: Hair, hair, hair, hair, hair, hair, hold up! Educating Tips It is ideal if this warm-up can keep up a beat in both discourse and developments with the goal that it moves rapidly. This is the reason the Ã¢â¬Å"whisperÃ¢â¬ and Ã¢â¬Å"freezeÃ¢â¬ parts of the action are significant. The murmuring of the last word in the signal will assist with controlling the clamor level. The Ã¢â¬Å"freezeÃ¢â¬ toward the finish of every development area will stop the past activity and get ready members to tune in for another prompt. Having a duplicate of the rundown of signals is significant so the pioneer doesn't need to concoct development thoughts on the spot. Obviously, this rundown can be expanded with new thoughts, yet here is a lot of prompts to begin with: Rundown of Cues You whoÃ¢â¬ ¦ Ã¢â¬ ¦bloom like blossoms. Ã¢â¬ ¦crawl like infants. Ã¢â¬ ¦sway like palm trees. Ã¢â¬ ¦splash like waves. Ã¢â¬ ¦soar like flying creatures. Ã¢â¬ ¦move like fighters. Ã¢â¬ ¦dance expressive dance. Ã¢â¬ ¦swirl like tornadoes. Ã¢â¬ ¦walk on tightropes. Ã¢â¬ ¦move like little children. Ã¢â¬ ¦swim through water. Ã¢â¬ ¦move like a sharks. Ã¢â¬ ¦play b-ball. Ã¢â¬ ¦float like mists. Ã¢â¬ ¦practice yoga. Ã¢â¬ ¦move like monkeys. Ã¢â¬ ¦dance the hula. Ã¢â¬ ¦figure skate. Ã¢â¬ ¦perform medical procedure. Ã¢â¬ ¦ski down mountains. Ã¢â¬ ¦run in races. Ã¢â¬ ¦bake a cake. Ã¢â¬ ¦conduct a symphony. Ã¢â¬ ¦walk like ladies. Ã¢â¬ ¦sing in shows. Ã¢â¬ ¦move like eminence. Ã¢â¬ ¦wait on tables. Ã¢â¬ ¦do aerobatic. Ã¢â¬ ¦lift loads. Ã¢â¬ ¦clean houses. Ã¢â¬ ¦row pontoons. Ã¢â¬ ¦ride ponies. Ã¢â¬ ¦paint nails. Ã¢â¬ ¦ride skateboards. Ã¢â¬ ¦wear high heels. Ã¢â¬ ¦drive race vehicles. Ã¢â¬ ¦ride a bicycle. Ã¢â¬ ¦play jump scotch. Ã¢â¬ ¦paint a house. Ã¢â¬ ¦walk in mud. Ã¢â¬ ¦reach and stretch. Ã¢â¬ ¦rush to class. Ã¢â¬ ¦taste new food. Ã¢â¬ ¦water ski. Ã¢â¬ ¦take selfies. Ã¢â¬ ¦dance at parties. Ã¢â¬ ¦lead the cheers. Ã¢â¬ ¦throw the ball. Ã¢â¬ ¦sing excessively uproarious. Ã¢â¬ ¦take huge advances. Ã¢â¬ ¦gaze at stars. Utilizing the Warm-Up in Connection with Curriculum When the members comprehend the configuration of this performance center game, you can alter it to apply to a region of study. For instance, on the off chance that you are understanding Macbeth, your prompts could be: You whoÃ¢â¬ ¦ Ã¢â¬ ¦prophesize. Ã¢â¬ ¦long for power. Ã¢â¬ ¦plan and plot. Ã¢â¬ ¦murder rulers. Ã¢â¬ ¦see an apparition. Ã¢â¬ ¦rub out spots. Include new signs and spare them for future employments of this warm-up. What's more, in the event that you like Yoohoo, you may likewise like Circle Tableau Game.
Saturday, August 22, 2020
Nguyen Silk Flower Ltd is (NSF) 1. Presentation
The creation, execution, hugeness and even the meaning of music change as indicated by culture and setting. Music can be separated Into kinds and lowers, despite the fact that the diving lines and connections between music classes are regularly inconspicuous, here and there open to singular understanding, and every so often dubious. Inside human expressions, music might be named a performing craftsmanship, a compelling artwork, and sound-related workmanship. To numerous individuals in numerous societies music is a significant piece of their lifestyle. Apparently there is no single and intercultural widespread idea characterizing what music eight be. Music in India incorporates various assortments of society, famous, and traditional music. Indians old style music convention, Including Carnation and Hindustan music, has a history traversing centuries and, created more than a few times, It stays key to the lives of Indians today as wellsprings of profound Inspiration, social articulation and unadulterated diversion. India Is comprised of a few dozen ethnic gatherings, communicating in their own dialects and lingos. Having extremely unmistakable social traditions.However, in the course of recent decades, there has been a critical impact of different esters frames in India inferable from globalization and increment in the utilization of created innovations. This exploration is an endeavor to watch this impact over customary Indian Music and to examine whether it has hampered or has enhanced Indian music. 1. 2 Reason for choosing this subject Music has been an Integral piece of my life since youth. Have consistently been genuinely joined to this type of workmanship. The different sytheses, Instruments and types of music have Intrigued me Immensely.This curiousness has driven me to pick this subject for look into and has empowered me to get music, particularly Indian sic in a superior way. 1. 3 Research target o To contemplate the section of western music in India. O To examine the utilization of western instruments in mix with Indian instruments. O To examine whether the audience members incline toward western music over Indian music. 1. 4 Research Problem The shopping center Idea of research Is to contemplate the section and Influence of western music on different types of Indian Music specifically, society music, old style music, film music etc.The center Is likewise around the Increasing impact of different western Instruments on Indian music and how the customary type of music has offered approach to present day sounds through hello favor western structure over Indian music. 1. 5 Scope and Limitations Like any exploration venture, this examination is restricted by a few imperatives that could fill in as beginning stages for additional examination. While the exploration report gives a thought regarding the impact of different types of Western Music in India, it doesn't give an exhaustive sign of which is a superior type of music.It just tosses light about the inclination of the audience members and is totally fair-minded in its derivation. A second requirement of this examination is the time impediment. The exploration was done inside a constrained time period of two months. The third imperative is the example size of the investigation. The essential research was done with a little example size of 50 respondents, lion's share of which were understudies in and around suburbia of Iambi. 1. 6 Defining the factors Independent variable: Music Dependent variable: (I) Preference of audience members (it) Instruments utilized 2.LITERATURE REVIEW 2. 1 Theoretical Literature Review Indian music spreads out the timetable of that unflinching Journey from the Vided psalms to the music of the contemporary period. Indians were consistently agreeable in showing themselves in the midst of the imaginativeness of tune; raga, tall and sure. Ideally in this manner, Indian music has slowly gotten one of the much recognized classes of the fluctuated artistic expression. The rich account of Indian music discloses its journey from the antiquated Vided songs to the ongoing period where music has increased an entire new face.Indian music has thusly seen a great deal of modification with respect to its style, expression and approach. Gone are the hours of Sanskrit melodies and it is with the presentation of the Pop, Rock, and western combination and metal groups, Indian music has become parcel increasingly contemporary. The attributes of Indian music will be obvious whenever contrasted and Western music. There are basic contrasts between the two frameworks: the first depends on song single notes played in a provided request, while the second is consonant: a gathering of notes called harmonies played simultaneously.The late Dry. Mediating Ãâ°tagÃ£ ¨re who was familiar with both the frameworks put it along these lines: The world by day resembles Europeans music-a streaming concourse of immense amicability, made out of accord and disunity and many disengaged sections. What's more, the night world is our Indian music: one puree profound and delicate raga. The two of them mix us, yet the two are conflicting in soul. In any case, that would not benefit from outside intervention. At the very root, nature is isolated into two, day and night, solidarity and assortment, limited and infinite.We men of India live in the domain of night; we are overwhelmed by the feeling of the One and Infinite. Our music draws the desolate area of renunciation which lies at the base of the universe, while European music drives us to a variegated move through the perpetual ascent and fall of human sorrow and Joy. Essentially Indian music summons an otherworldly assumption and order an aching for acknowledgment of the self salvation. Vocal singing is a demonstration of love and not a scholarly presentation of dominance over raga-technique.In the West, he singing of a tune is a common and formal exercise, not including commitment or devotion as on account of Indian music. The Guru-sashay convention liable for the profound connection and commitment of the understudy to the instructor. In the West, generally a music educator is Just an individual employed for giving exercises and there is no closeness between the instructor and the educated. Indian music, similar to Western music, depends on tune and musicality, however it has no establishment of concordance and antithesis so essential to Western music.Indian music is modular dependent on the connection between the changeless individual noted called the tonic, with the progressive notes. That is the reason the automaton is played out of sight of vocal music to help one to remember the tonic note. The Indian framework is even, one note following the other, while the European is vertical-a few notes one after another. Conceal Menu, the prominent arranger and musicologist, features the contrast between the two frameworks by portraying Indian music accordingly: The acknowledge Indian music, one needs to emb race a totally extraordinary feeling of qualities. .. En must orientate oneself and at any rate for the period concerned, overlook there is a period clock ticking endlessly and only sink into a sort of emotional, practically trancelike stupor. In that condition, the monotonous highlights of Indian music, both cadenced and melodic, obtain an uncommon interest and appeal Despite the control of this sleep inducing disposition, a trait of Indian music is that a long way from stifling the keenness, it effectively frees the brain. Another remarkable distinction is in the spot of sythesis in both the systems.In Western music, a writer initially creates the music and places it in documentation: later the players play the music under the direction of a conductor. There is not really any act of spontaneity, and the estimation of execution lies in the consistency and the pre-decided lead of tone and peed of music. In an Indian melodic exhibition, while the sentence structure of tune and musicality is fixed, the aptitude and resourcefulness of the performer lies in his spontaneous creation and inventiveness, particularly in summoning of the state of mind and Rasa of the specific raga.In this association a universal musicologist composes: In the West, we build strong squares of music. In the wake of having cut out geometrically, in huge segments, such as building stones, the seven degrees of the diatonic scale, arranged them and put them on one another as indicated by keenly worked out design laws which are called an tithesis and concordance. Along these lines we raised awesome buildings in sound. In the East, nobody longed for isolating sound into hinders; rather they refined it to a wire-meager thread.They endeavored carefully to loosen up the sound, to refine it to the point of extraordinary delicacy. No normalized materials, no structure of two or six or ten stories; rather a straightforward variegated silk string which loosens up and rises and falls vaguely, however which in each smallest segment inspires a universe of sentiments and sensations. In Indian music, song and musicality are increasingly evolved and offer an extraordinary assortment of nuances, impractical in Western music.Indian notes are partitioned into little units called guarantees (22 receivers on the whole), while Western music has mouthpieces enhanced with tombstone (gammas) produce a supernatural impact. Western music is equipped for delivering numerous mind-sets and emotions. While Indian music has commonly a key state of mind or feeling in a raga. The Indian performer ad libs as per his own innovative virtuoso inside the structure of a raga, yet in Western traditional music such scope of individual spontaneous creation is incomprehensible, with the exception of in Jazz. Additionally, the incredible utilization of drums in Indian music accentuates its fundamental rhythm.It s just by keeping ones ears and brains open that one can value the uncommon arrangements and tunes unique in relation to ones own. This will apply similarly to Indian crowds going to exhibitions of Western music, and to Western crowds tuning in to Indian music. Let us not overlook that the two sorts of music are corresponding, similar to two parts of old style music. Since the only remaining century, Just as India has acclimatized western culture through its language, expressions, dress, and so on , so has it consumed and absorbed the western music in the very same manner. A dynamic culture is never scared of outside impact. In any event, when an intemperance of impersonation manifests itself, our way of life will eventually dismiss it and progress towards a widely inclusive
Friday, August 21, 2020
Question: Talk about theTarget Market Analysis of a Product for Samsung. Answer: Presentation The item that has been chosen to choose the suitable purchaser portion is Samsung 78 Curved 4K SUHD HDR Smart LED LCD TV. The division of the customers of this item will be chosen in the examination. The division will be founded on the psychographic, segment and use rate related variables of the purchasers. Examination of the purchasers The purchasers of the result of Samsung will have a place age gathering of 25 or more. The individuals who know about the most recent innovations and are pulled in towards the high caliber and significant expense based items will be a piece of the shopper portion of Samsung. The use pace of high innovation based items is high among the clients who have a place with this fragment. The Roy Morgans Vale Segment depends on the various sections of purchasers who show various kinds of conduct towards the items that are makes by the organizations. The result of Samsung which is being broke down in the conversation is identified with the clients who have a place with the Socially Aware gathering. These are individuals who have confidence in buying the items that depend on the most recent advances (Cross, Belich and Rudelius 2015). These buyers are all around educated about the items before they take the choice to buy it. They have the most top to bottom news about the items that are being propelled in the market. These individuals principally have a sense identified with social obligation and they attempt to persuade others about the advantages about the new item that is being showcased and presented in the business. Situating guide of Samsung Source Created by creator The significant contenders of Samsung in the high caliber and significant expense run are LG and Sony. These items give immense rivalry to Samsung in the market. The cost related contenders of Samsung then again, are Micromaxx and Panasonic. These organizations give the items same highlights in low costs. In any case, the nature of these items are additionally very low (Dibb and Simkin 2016). References Cross, J.C., Belich, T.J. also, Rudelius, W., 2015. How promoting chiefs use advertise division: An exploratory investigation. InProceedings of the 1990 Academy of Marketing Science (AMS) Annual Conference(pp. 531-536). Springer, Cham. Dibb, S. also, Simkin, L., 2016. Market division and section strategy.Markefing hypothesis: An understudy content, Sage, Los Angeles, pp.251-279.
Friday, August 14, 2020
University Tuition Fees Commission Created The OE Blog An independent commission on tuition fees has been created with the purpose of analysing the results of the new, higher university fees, particularly on students from disadvantaged backgrounds. The panel will be led by Will Hutton, a Grammar school and Bristol University graduate who went on to become Principal of Hertford College, Oxford University. Hutton is likely to be thorough and acutely aware of the problems faced by students from poorer backgrounds, with a history of journalism (he was editor-in-chief of the Observer) and several detailed political books to his name. Focus on underprivileged students Hutton told the BBC News website âIt is incredibly important that we provide an independent check on the biggest reforms for higher education in a generation.â He stressed the importance of the commissionâs independence, stating âwe will be keeping an open mindâ¦to produce a dispassionate and authoritative analysis of the data.â The data he is referring to is detailed information to be released by UCAS on university application figures. But will this be enough? Considering Huttonâs own insistence that the commission should focus on âparticularly looking at what impact higher fees have on prospective students from less privileged backgroundsâ, one hopes that some more detailed collection of data from within those communities might also be considered. Time for such extra research is likely to be tight however, with the commissionâs first report due in just six weeks, causing some commentators to wonder just how deep an analysis will be possible in such a short time. Tuition Fees Impact The introduction of the new tuition fees, which have been raised to a maximum of £9000, saw a decline in applications from UK students, with those from disadvantaged backgrounds and mature students reported to be worst hit. It is hoped that the new commission will go some way towards securing vital evidence of this impact in order to pinpoint flaws in the new system, instigating the equal access initiatives required to rectify the problems. Commission Panel The other members of the commission have been announced as Sir Peter Lampl, chairman of the Sutton Trust, UCL economics professor Stephen Machin and broadcaster Libby Purves. The inclusion of Sir Lampl will be encouraging to many who were critical of the raised fees policy, as the Sutton Trust education charity is known for its incisive investigation and commentary on education policy and its vociferous criticism of right-wing strategies. When Cameron considered making extra university places available for those who could pay for them in May last year, Lampl immediately criticised the âblow to social mobilityâ the move might cause, stridently proclaiming that the âbetter-offâ should never be allowed to âbuy advantage in the university system.â So if there is evidence of the raised tuition fees having an adverse impact on prospective students from less advantaged backgrounds, it seems likely that the commission will highlight it. What will then occur as a result of their findings is less clear, and it can only be hoped that they will be taken seriously by a government who have so far failed to respond to high-profile criticism and analysis of the new fees system.
Friday, June 26, 2020
Nathaniel Hawthornes short story The Birthmark is the story of how one mans obsession killed his wife. Aylmer is a man of science and the husband of Georgiana. Georgiana is absolutely perfect in Aylmers eyes, except for the birthmark on her cheek in the shape of a tiny hand. His obsession of her birthmark drives Aylmer and his assistant, Aminadab, to develop an elixir that will remove it, and his hatred of it and inability to look at the mark without obvious disgust drives Georgiana to hate it more than Aylmer, and to her demise. Ã Ã Ã The extent of Aylmers disgust is important to the story, because without that obvious hatred of the mark, Georgiana would not have become so self-conscious about it and agree so easily for it to be removed. Aylmer is constantly and openly discussing and/or displaying his disapproval of the flaw. The first dialogue in the story is between Aylmer and Georgiana, and Aylmer asks, Georgiana, has it never occured to you that the mark upon your cheek might be removed? (Mays, 340). This is only the beginning of his blatant disapproval of the birthmark. Ã Later in the story, Georgiana begs Aylmer not to look at her birthmark again as she covers it with her hand and states I never can forget that convulsive shudder. (Mays, 344). From her reaction, we can deduce that with every remark Aylmer makes and/or every action and expression from the birthmark makes Georgiana more resentful of the mark itself. She starts to blame herself for her husbands obsession, and she decides that it would be too much to live with, so she is willing to put her life on the line in order to have the birthmark removed and to make her husband happy. Ã Ã Ã There is room to believe that Aminadab knows precisely what the outcome will be. Aylmer gives Aminadab an order to burn a pastil (Mays, 343), but before doing so, Aminadab gazes at the unconscious Georgiana and says under his breath, if she were my wife, Id never part with that birthmark. (Mays, 343). This statement tells us many things. First, Aminadab does not completely agree with Aylmers choices. Second, Aminadab may even have feelings for Georgiana, because he is basically stating that there is a man out there that will love Georgiana as she is without trying to change her and make her perfect. Then later in the last paragraph, Aminadab laughed a hoarse, chuckling laugh (Mays, 350). He was given permission to laugh by Aylmer before it was revealed that Georgiana was dying, but Aminadab waited until after she completely passed to laugh. Aminadab saw the irony in the outcome of the experiment and he believed that Aylmer deserved it for trying to change his wife for hi s own personal selfishness. Ã Ã Ã The last paragraph also reveals a lot about Aylmer. Georgiana tells him that she is dying. Aylmer observes her life fading and is overcome with several emotions, including failure in his experiment, failure to his wife, anger at himself for becoming so obsessed, and he feels stupid for allowing him to risk the life of the woman he loved for something so miniscule. The last paragraph states Yet, had Aylmer reached a profounder wisdom, he need not thus have flung away the happinesshe failed to look beyond the shadowy scope of time to find the perfect future in the present (Mays, 350). As we can tell, Aylmer truly did love Georgiana, but he allowed his obsession of her birthmark consume him and that leads to the irony that is the end of the story: in an attempt to make Georgiana perfect, he took away her humanity. No human is perfect, and as Georgianas only flaw was her birthmark, Aylmer unintentionally killed her.
Sunday, May 24, 2020
Sample details Pages: 3 Words: 792 Downloads: 5 Date added: 2017/09/15 Category Advertising Essay Did you like this example? Banking industry begins to show signs of slowdown After witnessing a strong growth during last few years, the banking industry has now started showing signs of slowdown, as deposits, assets, investment and profitability of banking sector is on decline while credit risk, market risk, interest risk, NPLs and advances are widening. According to the assessment of the State Bank of PakistanÃ¢â¬â¢s Quarterly Performance Review of the Banking System (July-September 2008), released on Thursday, due to deteriorating macroeconomic factors the performance of the banking system on asset quality and earnings has slightly declined. Banking industry deposit component witnessed a significant decline of Rs 124 billion or 3 percent during the third quarter of 2008. Therefore, the share of deposits in overall funding structure declined to 73. 8 percent from 76 percent in last quarter, the report said. The SBP revealed that profitability of the banking system remained steady during the quarter though return indicators that slightly declined due to higher provisioning and operating expenses. The banking system posted a before tax profit of Rs 20. 7 billion during the third quarter, translating into year to-date profit of Rs 82. billion whereas after tax profit stood at Rs 54. 9 billion in September 2008. The credit risk has somewhat increased since the previous quarter. The Non Performing Loans (NPLs) of the system increased by Rs 36 billion over the quarter. The increase in NPLs has been across all the banking groups except for foreign banks, the report said, adding that Ã¢â¬Å"the market risk profile of the banking system is also predominantly affected by the interest rate risk. Ã¢â¬ During the quarter under review total assets of the banking system slightly declined as the deposits base contracted. DonÃ¢â¬â¢t waste time! Our writers will create an original "Performance of Pakistan Banking Sector" essay for you Create order The Sept-08 quarter witnessed a significant increase in advances that grew by Rs 167 billion and their share in total assets inched up to 56. 1 percent, exceeding Dec-06 levels. Over the quarter assets declined by Rs 4. 2 billion to Rs 5,509 billion while assets observed strong increase of Rs 292 billion in Jun-08 and Rs 67 billion. March-08 quarter also reflects some slowdown in the banking sector, which has witnessed strong growth for the last few years. However, interestingly, the decline in assets in the September quarter is less than decline observed in the corresponding quarters of the previous two years, the report added. On the back of high inflation rates, which pushed the real lending rates into negative, the demand for bank credit continued to increase and the banksÃ¢â¬â¢ asset profile further shifted from investments to loans and advances, thus constraining the banksÃ¢â¬â¢ liquidity profile. However, key financial soundness indicators and results of the stress testing exercise suggest that the system by and large maintained its satisfactory performance as well as the resilience towards the major risk factors. The report said that withdrawal of deposits was largely made up by increase in interbank borrowings. However, on the asset side, loans of the banking system posted a strong increase of Rs 167 billion (5. 7 percent) while investment portfolio further shrank by Rs 94 billion. Resultantly, the liquidity profile of the banking system came under further pressure as the ADR (advances to deposit ratio) and liquid asset ratio further deteriorated and posed serious challenge of asset-liability management especially for banks operating with high ADR, it added. This situation was further compounded by a tight monetary policy that was in vogue, though later on relaxed during post quarter liquidity stress. Net infection ratio and NPL coverage ratio slightly deteriorated to 1. 9 percent and 79 percent, respectively, which though still remain within acceptable and ameliorated level compared with the situation that was prevailing in corresponding quarter of last years. The pre-tax return on assets declined to 2. 0 percent (2. 3 percent in June-08 and 2. 2 percent in CY07). Incidentally, this slight fall in overall earning of the banking system has also to do with the exceptional losses posted by a couple of banks. However the report said that though key financial indicators for the quarter under review indicate slight drop, by and large the banking system has maintained the momentum of satisfactory performance that it achieved during the recent years of strong economic growth. The indicators suggest that the system is well placed to maintain this momentum and is financially sound to withstand any plausible shocks in the key risk factors. The post quarter liquidity crunch, in particular, has signified the importance of prudent asset-liability management for the banks in tight monetary policy regime. The SBP said that despite slowdown latest interim post-quarter statistics on key financials indicate that unlike established trends of strong growth, the asset base of the banking system is likely to remain stable during the last quarter of the outgoing year. The SBP took a number of measures, which are expected to facilitate the sound operations of the banking system and incentivize the banks to rationalise their asset-liability profile and further improve their risk management capacities.