Australian Lifestyle Survey
Economic studies which examine the financing patterns of firms, particularly in emerging markets, seldom consider the market environment in which they operate. The most recent Asian financial crisis and its exposure of institutional failures in the context of financial sector liberalization show that these market conditions are vital. The positive relationship between a firm's excess cash flow and investment are well known, but the environment which determines retention of cash as opposed to paying dividends remains unresolved. The results of this survey suggest a framework by which future research in data collection, theoretical analysis, and empirical testing may be undertaken.
Reconstructing the shape of an object from images is an important problem in computer vision that has led to a variety of solution strategies. This monograph focuses on photometric stereo, that is, techniques that exploit the observed intensity variations caused by illumination changes to recover the orientation of the surface. In the most basic setting, a diffuse surface is illuminated from at least three directions and captured with a static camera. Under some conditions, this allows to recover per-pixel surface normals. Modern approaches generalize photometric stereo in various ways; for example, relaxing constraints on lighting, surface reflectance and camera placement, or creating different types of local surface estimates. Starting with an introduction for readers unfamiliar with the subject, A Survey of Photometric Stereo Techniques discusses the foundations of this field of research. It then summarizes important trends and developments that have emerged in the last three decades. The focus is on approaches with the potential to be applied in a broad range of scenarios. This implies, for example, simple capture setups, relaxed model assumptions, and increased robustness requirements. This is an ideal reference for anyone looking for an understanding of the diverse concepts and ideas around this topic and how we can move towards more general techniques than traditional photometric stereo.
Economically, times are tougher today. The family budget is tighter. This book in your hands will show you how to make some extra money throughout the year. This cash can fill in your budgetary shortfalls. This is a how-to book about making money off credit card companies. In this book, a step-by-step instruction is given about how to make money by paying your monthly expenses with your credit card. In this book, you will learn what a sign-up bonus is-how to earn and redeem a sign-up bonus. You will also learn about cash-back bonuses, how they work, and how to redeem the cash-back bonus. After reading this book, you will be able to transfer a balance between credit cards without paying that nasty 3 percent to 5 percent balance transfer fee. Also, you will learn to avoid paying interest charges. Paying interest and balance transfer fees are detrimental to your financial health. The chapters are set in a story format to make learning easier and more enjoyable. You will meet Ralph and Susan as they learn to cash in sign-up bonuses for some extra cash. You will see how Granny pays for Christmas with the credit card company's money. Christy will show you how she buys new shoes by just paying her bills. Plus you will meet several other characters in other situations and circumstances. This book will teach you how to do the same things and more. Now it is your turn to earn some extra cash! It is time for cashing in on credit cards! Make money by paying your bills!
Australian Lifestyle Survey Articles
Australian Lifestyle Survey Books
Australian Lifestyle Survey