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Asymmetrical Information; Testing for Adverse Selection in the Insurance Industry
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This 9 page paper considers how testing propositions involving information asymmetries is inherently difficult and discusses this in the context of the available evidence for the existence of adverse selection in insurance markets. The bibliography cites 8 sources.
Filename: TEadverse.rtf

Auditors' Value
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A 5 page paper discussing the continued relevance of the audit and auditor for stakeholders in today's business environment. Perhaps the greatest value of the auditor is as the entity insisting on uniformity over time. This position also keeps the auditor in the position of "watchdog" rather than "bloodhound." Auditors may or may not be able to uncover intentional deception, but their role in ensuring uniformity over time is valuable to all stakeholders, particularly investors. Bibliography lists 7 sources.
Filename: KSauditVal.rtf

Azerbaijan National Security Brief
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U.S. and Azerbiajan national security strategy 2004. Discussed in this 12 page paper are national purpose, ideology, national interest, national power, threats, domestic, commitments, miligary strategy, international and foreign policy, and U.S. military involvement. Bibliography lists 8 sources.
Filename: jvAzerba.rtf

Balanced Budget Amendment & The Banking Industry
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The premise that the writer is creating a report for a CEO of a rural bank is the perspective from which this 8 page paper is written. Issues discussed include the validity of the recent balanced budget amendment, economic projections for 1998 through 2002 and specific recommendations for the banking industry. Opposing views concerning the effect of the budget are noted. Bibliography lists 6 sources.
Filename: Bankind.wps