At the same time, it is easy to create images with style and personality by combining the type, effect, frame aspect ratio, and number of images according to the selected theme.

ENGADGET: Olympus unveils Stylus XZ-10 with f/1.8-2.7 zoom, smartphone sharing app

Over at the American Enteprise Institute, John Makin and Daniel Hanson suggest not to worry too much about the U.S. debt-to-GDP ratio, then turn around and warn against letting the sequester take effect because, ironically, it would raise the debt-to-GDP ratio by slowing the economy.

FORBES: On Government Spending, It's Time For Short-Term Thinking

Mr Helliwell's research showed that the Free Trade Act, which came into effect in 1989, did have an impact: the ratio for traded goods had fallen from about 20:1 to 12:1 by 1993.

ECONOMIST: Good fences

All of these regulations, and especially the caps on insurance company margins (AKA the Medical Loss Ratio) have a more pervasive and longstanding effect than the just these near term price increases, as painful as those hikes will be.

FORBES: Obamacare Regs Obama Plans to Ignore

To take effect from 29 November, it will be a record high for the reserve ratio, and the ninth rise this year.

BBC: RELATED BBC SITES