| Industries |
|---|
| General Merchandise Stores |
| Exposures |
|---|
| Military |
| Leadership |
| Regime |
| Political reform |
| Cooperate |
| Express intent |
| Event Codes |
|---|
| Solicit support |
| Warn |
| Force |
| Acknowledge responsibility |
| Sanction |
| Yield to order |
| Endorse |
| Agree |
| Grant |
| Sports contest |
| Psychological state |
| Adjust |
| Wiki | Wiki Summary |
|---|---|
| Procter & Gamble | The Procter & Gamble Company (P&G) is an American multinational consumer goods corporation headquartered in Cincinnati, Ohio, founded in 1837 by William Procter and James Gamble. It specializes in a wide range of personal health/consumer health, and personal care and hygiene products; these products are organized into several segments including beauty; grooming; health care; fabric & home care; and baby, feminine, & family care. |
| List of oldest companies | This list of the oldest companies in the world includes brands and companies, excluding associations and educational, government, or religious organizations. To be listed, a brand or company name must remain operating, either in whole or in part, since inception. |
| Payday loan | A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a short-term unsecured loan, often characterized by high interest rates.\nThe term "payday" in payday loan refers to when a borrower writes a postdated check to the lender for the payday salary, but receives part of that payday sum in immediate cash from the lender. |
| UEFA Financial Fair Play Regulations | The UEFA Financial Fair Play Regulations (FFP) are a set of regulations established to prevent professional football clubs spending more than they earn in the pursuit of success, and in doing so not getting into financial problems which might threaten their long-term survival. Some have argued that they were instituted to prevent financial "doping" from outside sources injecting money into smaller clubs. |
| Weak supervision | Weak supervision is a branch of machine learning where noisy, limited, or imprecise sources are used to provide supervision signal for labeling large amounts of training data in a supervised learning setting. This approach alleviates the burden of obtaining hand-labeled data sets, which can be costly or impractical. |
| Federal Direct Student Loan Program | The William D. Ford Federal Direct Loan Program (also called FDLP, FDSLP, and Direct Loan Program) provides "low-interest loans for students and parents to help pay for the cost of a student's education after high school. The lender is the U.S. Department of Education ... |
| Third-party reproduction | Third-party reproduction or donor-assisted reproduction is any human reproduction in which DNA or gestation is provided by a third party or donor other than the one or two parents who will raise the resulting child. This goes beyond the traditional father–mother model, and the third party's involvement is limited to the reproductive process and does not extend into the raising of the child. |
| Jackknifing | Jackknifing is the folding of an articulated vehicle so that it resembles the acute angle of a folding pocket knife. If a vehicle towing a trailer skids, the trailer can push the towing vehicle from behind until it spins the vehicle around and faces backwards. |
| Planning permission | Planning permission or developmental approval refers to the approval needed for construction or expansion (including significant renovation), and sometimes for demolition, in some jurisdictions. It is usually given in the form of a building permit (or construction permit). |
| Strategy video game | Strategy is a major video game genre that emphasizes thinking and planning over direct instant action in order to achieve victory. Although many types of video games can contain strategic elements, as a genre, strategy games are most commonly defined as those with a primary focus on high-level strategy, logistics and resource management. |
| Complication (medicine) | A complication in medicine, or medical complication, is an unfavorable result of a disease, health condition, or treatment. Complications may adversely affect the prognosis, or outcome, of a disease. |
| Caviar spoon | Caviar spoons are traditionally made of inert materials, such as animal horn, gold, mother of pearl, and wood. They range in length from 7 to 13 cm (2.7 to 5 in), and have a small shallow bowl that may be either oval or paddle shaped. |
| Security increase | A security increase often occurs when a nation, state, or institution has recently suffered from a serious incident or is under the perception that there is an increased risk for an incident to occur that endangers or potentially endangers its well-being.\nHistorically, security has been increased by governments and private institutions for a variety or reasons, including incidents that have occurred to themselves, to other similar institutions, or to the world, nation, or region following a high-profile event or a perceived threat of one. |
| Facing (retail) | Facing (also known as blocking, zoning, leveling, fronting, straightening, rumbling, conditioning or dressing) is a common tool in the retail industry to create the illusion of a perfectly stocked store by pulling all of the products on a display or shelf to the front, as well as down stacking all the canned and stacked items. It is also done to keep the store appearing neat and organized. |
| Achatina achatina | Achatina achatina, commonly known as the giant African snail, also known as the giant tiger land snail, and gigantocochlea, is a species of large, air-breathing land snail, a terrestrial pulmonate gastropod mollusk in the family Achatinidae. The name "Achatina" is from "achates", Greek for agate. |
| Nissan Diesel Big Thumb | The Nissan Diesel Big Thumb (Japanese: 日産ディーゼル・ビッグサム) is a heavy-duty commercial vehicle that was produced by the Japanese manufacturer Nissan Diesel (now UD Trucks) and sold between 1990 and 2008. Unlike the successor to the Nissan Diesel C-series, the Big Thumb's size range was primarily available in other big-size trucks. |
| List of unicorn startup companies | This is a list of unicorn startup companies. In finance, a unicorn is a privately held startup company with a current valuation of US$1 billion or more, across technology centers throughout the world. |
| Business Insider | Insider – previously named Business Insider (BI) – is an American financial and business news website founded in 2007. Since 2015, a majority stake in Business Insider's parent company Insider Inc. |
| Larger than Life (EP) | Larger Than Life is a 2008 album by German metal band Paragon.\nA supportive "teaser" EP for the band's 2008 album Screenslaves. |
| Campeonato Mineiro (lower levels) | The Campeonato Mineiro lower levels are the football tournaments for the Minas Gerais clubs that do not play in the Campeonato Mineiro First Division. The competitions are organized by the Minas Gerais Football Federation. |
| Wholesaling | Wholesaling or distributing is the sale of goods or merchandise to retailers; to industrial, commercial, institutional or other professional business users; or to other wholesalers (wholesale businesses) and related subordinated services. In general, it is the sale of goods in bulk to anyone, either a person or an organization, other than the end consumer of that merchandise. |
| Guinness World Records | Guinness World Records, known from its inception in 1955 until 1999 as The Guinness Book of Records and in previous United States editions as The Guinness Book of World Records, is a reference book published annually, listing world records both of human achievements and the extremes of the natural world. The brainchild of Sir Hugh Beaver, the book was co-founded by twin brothers Norris and Ross McWhirter in Fleet Street, London, in August 1955. |
| Recession | In economics, a recession is a business cycle contraction when there is a general decline in economic activity. Recessions generally occur when there is a widespread drop in spending (an adverse demand shock). |
| Supply and demand | In microeconomics, supply and demand is an economic model of price determination in a market. It postulates that, holding all else equal, in a competitive market, the unit price for a particular good, or other traded item such as labor or liquid financial assets, will vary until it settles at a point where the quantity demanded (at the current price) will equal the quantity supplied (at the current price), resulting in an economic equilibrium for price and quantity transacted. |
| Credit enhancement | Credit enhancement is the improvement of the credit profile of a structured financial transaction or the methods used to improve the credit profiles of such products or transactions. It is a key part of the securitization transaction in structured finance, and is important for credit rating agencies when rating a securitization. |
| Real estate economics | Real estate economics is the application of economic techniques to real estate markets. It tries to describe, explain, and predict patterns of prices, supply, and demand. |
| International real estate | The term international real estate describes a relatively new phenomenon, beginning in the 1980s and keeping pace with globalization. The term encompasses real property development, sales and leasing transactions across national borders. |
| RBC Capital Markets | RBC Capital Markets is a global investment bank providing services in banking, finance and capital markets to corporations, institutional investors, asset managers and governments globally. Locations span 58 offices in 14 countries across North America, the UK, Europe and the Asia-Pacific region. |
| Public image of George W. Bush | George W. Bush, the 43rd president of the United States, has elicited a variety of public perceptions regarding his policies, personality and performance as a head of state. In the United States and elsewhere, journalists, polling organizations and others have documented the expression of an evolving array of opinions of President Bush. |
| Higher Than High | Higher Than High is a 1979 album released by British pop group Brotherhood of Man. It was released in May and contained four singles. |
| Alternatives économiques | Alternatives économiques ("Economic Alternatives" in French) is a French magazine specializing in economic issues. The magazine was established in 1980 by Denis Clerc. |
| Latin Extended Additional | Latin Extended Additional is a Unicode block.\nThe characters in this block are mostly precomposed combinations of Latin letters with one or more general diacritical marks. |
| Voltage regulator | A voltage regulator is a system designed to automatically maintain a constant voltage. A voltage regulator may use a simple feed-forward design or may include negative feedback. |
| Lincoln County Regulators | The Lincoln County Regulators, or just the Regulators, were an American Old West deputized posse that fought in the Lincoln County War in New Mexico, during the late 19th century.\n\n\n== Members history and friendships ==\nThe Regulators were formed out of numerous small ranch owners and cowboys in the Lincoln, New Mexico area. |
| Market risk | Market risk is the risk of losses in positions arising from movements in market variables like prices and volatility.\nThere is no unique classification as each classification may refer to different aspects of market risk. |
| Risk Factors |
|---|
| CASH AMERICA INTERNATIONAL INC ITEM 1A RISK FACTORS Important risk factors that could cause results or events to differ from current expectations are described below |
| These factors are not intended to be an all-encompassing list of risks and uncertainties that may affect the operations, performance, development and results of the Company’s business |
| • A decreased demand for the Company’s products and specialty financial services and failure of the Company to adapt to such decrease could adversely affect results |
| Although the Company’s products and services are a staple of its customer base, the demand for a particular product or service may decrease due to a variety of factors, such as the availability of competing products, changes in customers’ financial conditions, or regulatory restrictions that reduce customer access to particular products |
| Should the Company fail to adapt to a significant change in its customers’ demand for, or access to, its products, the Company’s revenues could decrease significantly |
| Even if the Company does make adaptations, customers may resist or may reject products whose adaptations make them less attractive or less available |
| In any event, the effect of any product change on the results of the Company’s business may not be fully ascertainable until the change has been in effect for some time |
| In particular, the Company has changed, and will continue to change, some of the cash advance products and services it offers due to the revised guidelines issued by the FDIC effective July 1, 2005 and supplemented in February 2006 |
| The long-term impact these changes will have on the Company’s business is not yet certain |
| • Short-term consumer loan services have come under increased regulation and scrutiny |
| If changes in regulations affecting the Company’s cash advance business create increased restrictions, or have the effect of prohibiting loans in the states where the Company offers short- term consumer loans, such regulations could materially reduce the Company’s cash advance business and limit its expansion into new markets |
| The Company’s products and services are subject 15 _________________________________________________________________ [49]Table of Contents to extensive regulation and supervision under various federal, state and local laws, ordinances and regulations |
| The Company faces the risk that restrictions or limitations resulting from the enactment, change, or interpretation of laws and regulations could have a negative effect on the Company’s business activities |
| In particular, short-term consumer loans have come under increased scrutiny and increasingly restrictive regulation in recent years |
| Some regulatory activity may limit the number of short-term loans that customers may receive or have outstanding, such as the limits prescribed by the FDIC in March 2005 and supplemented in February 2006 and regulations adopted by some states requiring that all borrowers of certain short-term loan products be listed on a database and limiting the number of such loans they may have outstanding |
| Certain consumer advocacy groups and federal and state legislators have also asserted that laws and regulations should be tightened so as to severely limit, if not eliminate, the availability of this cash advance product to consumers, despite the significant demand for it |
| Adoption of such federal and state regulation or legislation could restrict, or even eliminate, the availability of cash advance products at some or all of the Company’s locations |
| See the discussion of Regulation in “Item 1 — Business” for more information about regulations affecting the Company |
| • The failure of third-parties who provide products, services or support to the Company to maintain their products, services or support could disrupt Company operations or result in a loss of revenue |
| The Company’s cash advance revenues depend in part on the willingness and ability of unaffiliated third party lenders to make loans to its customers |
| The loss of the relationship with these lenders, and an inability to replace them with new lenders, or the failure of these lenders to maintain quality and consistency in their loan programs, could cause the Company to lose customers and substantially decrease the revenues and earnings of the Company’s cash advance business |
| The Company makes other non-cash advance products and services provided by various third party vendors available to its customers |
| If a third-party provider fails to provide its product or service or to maintain its quality and consistency, the Company could lose customers and related revenue from those products or services |
| The Company also uses third parties to support and maintain certain of its communication systems and computerized point-of-sale and information systems |
| The failure of such a third party to fulfill its support and maintenance obligations could disrupt the Company’s operations |
| • The Company’s growth is subject to external factors and other circumstances over which the Company has limited control or that are beyond the Company’s control |
| These factors and circumstances could adversely affect the Company’s ability to grow through the opening and acquisition of new operating units |
| The Company’s expansion strategy includes the acquiring existing stores and opening new ones |
| The success of this strategy is subject to numerous external factors, such as the availability of attractive acquisition candidates, the availability of sites with acceptable restrictions and suitable terms, the Company’s ability to attract, train and retain qualified unit management personnel and the ability to obtain required government permits and licenses |
| Some of these factors are beyond the Company’s control |
| The failure to execute this expansion strategy would adversely affect the Company’s ability to expand its business and could materially adversely affect its business, prospects, results of operations and financial condition |
| • Increased competition from banks, savings and loans, other short-term consumer lenders, and other entities offering similar financial services, as well as retail businesses that offer products and services offered by the Company, could adversely affect the Company’s results of operations |
| The Company has many competitors to its core lending and merchandise disposition operations |
| Its principal competitors are other pawnshops, cash advance companies, consumer finance companies and other financial institutions that serve the Company’s primary customer base |
| Many other financial institutions or other businesses that do not now offer products or services directed toward the Company’s traditional customer base, many of whom may be much larger than the Company, could begin doing so |
| Significant increases in the number and size of competitors for the Company’s business could result in a decrease in the number of cash advances or pawn loans that the Company writes, resulting in lower levels of revenues and earnings in these categories |
| Furthermore, the Company has many competitors to its retail operations, such as retailers of new merchandise, retailers of pre-owned 16 _________________________________________________________________ [50]Table of Contents merchandise, other pawnshops, thrift shops, online retailers and online auction sites |
| Increased competition or aggressive marketing and pricing practices by these competitors could result in decreased revenues, margins and turnover rates in the Company’s retail operations |
| • A sustained deterioration of economic conditions could reduce demand for the Company’s products and services and result in reduced earnings |
| While the credit risk for most of the Company’s consumer lending is mitigated by the collateralized nature of pawn lending, a sustained deterioration in the economy could adversely affect the Company’s operations through deterioration in performance of its pawn loan or cash advance portfolios, or by reducing consumer demand for the purchase of pre-owned merchandise |
| • Adverse real estate market fluctuations could affect the Company’s profits |
| The Company leases most of its locations |
| A significant rise in real estate prices could result in an increase in store lease costs as the Company opens new locations and renews leases for existing locations |
| • Changes in the capital markets or the Company’s financial condition could reduce available capital |
| The Company regularly accesses the debt capital markets to refinance existing debt obligations and to obtain capital to finance growth |
| Efficient access to these markets is critical to the Company’s ongoing financial success; however, the Company’s future access to the debt capital markets could become restricted should the Company experience deterioration of its cash flows, balance sheet quality, or overall business or industry prospects |
| • Media reports and public perception of short-term consumer loans as being predatory or abusive could materially adversely affect the Company’s cash advance business |
| In recent years, consumer advocacy groups and some media reports have advocated governmental action to prohibit or place severe restrictions on short-term consumer loans |
| The consumer advocacy groups and media reports generally focus on the cost to a consumer for this type of loan, which is higher than the interest typically charged by banks to consumers with better credit histories |
| Though the consumer advocacy groups and media reports do not discuss the lack of viable alternatives for our customers’ borrowing needs, they do typically characterize these short-term consumer loans as predatory or abusive despite the large customer demand for these loans |
| If the negative characterization of these types of loans becomes increasingly accepted by consumers, demand for the cash advance products could significantly decrease, which could materially affect the Company’s results of operations and financial condition |
| Additionally, if the negative characterization of these types of loans becomes increasingly accepted by legislators and regulators, the Company could become subject to more restrictive laws and regulations that could materially adversely affect the Company’s financial condition and results of operations |
| • Other risk factors are discussed under Quantitative and Qualitative Disclosures about Market Risk |
| • Other risks that are indicated in the Company’s filings with the Securities and Exchange Commission may apply as well |