Budget constraints: A Resource Restriction Agreement caps spending on racing operations for all Formula One teams, making efficiency and operational improvements imperative.

FORBES: The Business Of A Formula One Team

To determine our list, we first looked at a player's 2002 performance using our own statistical formula, the Forbes Pitching Efficiency Number (FPEN).

FORBES

But MBf Finance apparently does not fulfill some of the other conditions of the central bank's CAMEL formula -- capital adequacy, asset quality, management efficiency, earnings performance and liquidity position.

CNN: TOUGH CHALLENGE