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To calculate the forward price of an equity, let us consider IBM at $80.25 a share. If IBM were not to pay dividends as a matter of corporate policy, then to calculate a one-year forward price, we would simply multiply the number of shares being purchased by $80.25 and adjust this by the cost of money for one year. The formula would be F S (1 RT), exactly as with gold or Treasury bills. However, IBM s equity does pay a dividend, so the forward price for IBM must reflect the fact that these dividends are received over the coming year. The formula really does not look that different from what we use for a coupon-bearing bond; in fact, except for one variable, it is the same. It is F S 11 T 1R Yd 2 2

excites their imaginations Several properties of videotape and computer-animated demonstrative evidence (eg the visual depiction of emotionally arousing events such as an accident or murder) may make it more vivid than corresponding oral testimony Why might we expect people to weigh vivid information more heavily than pallid information To the extent that vivid information draws attention, memory may be enhanced due to the increased probability of encoding and subsequent elaboration However, certain forms of oral testimony may be just as likely to draw attention and concomitantly enhance memory The fact that people retrieve vivid information more easily from memory than pallid information also may help to explain people s preference for vivid information Participants in one study recalled vivid prosecution arguments better than pallid prosecution arguments after a two-day delay (Reyes, Thompson and Bower, 1980).

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When backing up your data, don t forget about your address book, which contains the names, numbers, and addresses of your friends, family, and other contacts. Follow these steps:

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Both types of arguments expressed the same basic evidentiary idea, but did so using differing levels of speci city and elaboration For example, one argument that implied the defendant was drunk was phrased On his way out the door, Sanders staggered against a serving table, knocking a bowl to the oor (p 4) in the pallid argument condition and On his way out the door, Sanders staggered against a serving table, knocking a bowl of guacamole dip to the oor and splattering guacamole on the white shag carpet (p 4) in the vivid argument condition Reyes et al argued that the vivid information was more available in memory relative to the pallid information Others have suggested that vivid information may be more highly associated with other information and thus is more likely to be remembered (Bell and Loftus, 1985).

In the following section, we will consider how these, and related, questions are now being addressed in the pursuit of sustainable development of groundwater resources.

as the capacity of a channel with an in nite bandwidth, power P , and noise spectral density N0 /2. Thus, for in nite bandwidth channels, the capacity grows linearly with the power. Example 9.3.1 (Telephone line) To allow multiplexing of many channels, telephone signals are bandlimited to 3300 Hz. Using a bandwidth of 3300 Hz and a SNR (signal-to-noise ratio) of 33 dB (i.e., P /N0 W = 2000) in (9.62), we nd the capacity of the telephone channel to be about 36,000 bits per second. Practical modems achieve transmission rates up to 33,600 bits per second in both directions over a telephone channel. In real telephone channels, there are other factors, such as crosstalk, interference, echoes, and non at channels which must be compensated for to achieve this capacity. The V.90 modems that achieve 56 kb/s over the telephone channel achieve this rate in only one direction, taking advantage of a purely digital channel from the server to nal telephone switch in the network. In this case, the only impairments are due to the digital-to-analog conversion at this switch and the noise in the copper link from the switch to the home;

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