Those lenders are able to look back at consumer behaviour over several economic cycles for a reference point.
Think about the crowd watching a tennis match for a reference point.
But the council said if the closures were approved areas would not lose community resources, and Birkenhead Library would be incorporated into plans for a reference library in the town centre.
We already have Google's own Samsung-made Nexus 10 as a high-water mark for a reference design, what with its 10-inch screen, Butter-smooth Android 4.2 OS and Retina-like 2, 560 x 1, 600 resolution.
The competition watchdog said "there are competition problems in the audit market", and added that it could ask the Competition Commission to conduct a detailed investigation, because the "statutory test" for a reference to the Commission had been passed.
There's the range of FTSE numbers, for instance, which are a reference point for a lot of contracts.
"I don't think that it was a citation chosen for a specific reference to today's situations, " Lombardi said at a Saturday evening news conference.
Bush had a reason to avoid beauty contests for the next two years and a handy reference for lowering expectations.
The picture quality was anything but consistent, which leads us to believe there is plenty of room for improvement and is by no means a reference for the format.
Speaking at the inauguration, Mr Mandela said that the project was a continuation of the co-operation South Africa and Mozambique had forged in the struggle for liberation - a reference to the support given by frontline states like Mozambique in the struggle against apartheid.
BBC: News | Africa | South Africa and Mozambique launch road project
The THE list is intended less as a tool for would be undergraduates trying to decide where to go to school than as a reference for governments and university leaders.
"It remains a library, for the first time a reference library available to everyone, " said Ms Taverne.
With its impressive array of primary sources, the China Reader is invaluable for novice students of China and a solid reference for longtime observers.
Another essential for getting a strong reference: Help her prepare not only to rave about you, but also to offer specific examples of your brilliant accomplishments.
Witnesses to History is literature appropriate for students and the general public, and a reference book for specialists, scholars and decision-makers.
Ross Norman, CEO of Sharps-Pixley, said he is of impression the commission may take a look at all reference prices for a range of markets, rather than gold coming under special scrutiny.
FORBES: FOCUS: News Of Possible Probe Of London Fixings Raises Eyebrows In Gold Market
It is being billed as the catalogue raisonne for the Baguette, a comprehensive and exhaustive reference for all things Baguette.
FORBES: The Bag That Got Carrie Bradshaw Mugged Is 15 Years Old
Now, perhaps, the memory of his life can serve as a light for others, as a point of reference on our horizons.
CNN: ASIANOW - TIME Asia | To Our Readers: A Legacy of Public Service
Video can be a great way to give a reference for an employee or vendor.
The project was supposed to provide a reference for students and academics studying the conflict.
And Malzahn was a reference for Morris when Swinney needed an offensive mastermind at Clemson.
It could be a call for a further investigation - which might mean a reference to the Standards and Privileges Committee.
The audit office has now agreed the terms of reference for a value for money review which will begin next week.
In many ways they are successful and a reference for others.
"But I want to wear Lawrence Taylor for a little bit, " a reference to the uniform number of the former linebacker for the NFL's New York Giants.
It is Mainly for beginners or novices looking to better understand the concepts and the hows involved, however it is also a good reference for intermediate and above model railroaders.
For reference, a handful of time zones are listed below -- we considered adding Easter Island, but we have yet to confirm whether or not the Moai forbid access to the internet.
ENGADGET: Google I/O 2011 kicks off tomorrow, get your liveblog right here!
As long as an article included accurate citations, he said he had "no problem" with it being used as a reference for younger students, although academics would "probably be better off doing their own research".
BBC: Jimmy Wales says students should be able to cite Wikipedia
People like Thomas Jefferson, who drafted the Declaration of Independence and became the third president of the United States, had to rely on Xenophon's Cyropaedia as a reference for the life and leadership of the Persian king.
BBC: Cyrus Cylinder: How a Persian monarch inspired Jefferson
The whole idea of replacing the watch with a band that acts as a mobile computer would be interesting, for the very fact that it would replace the real estate (our wrists) once used for a single point of reference on time.
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