This simple adjustment has a large effect on estimated liabilities.

FORBES

As the chart below shows, the number of employees in a business has a very large effect on whether or not the company offers employee health insurance.

FORBES: Are Rising Costs Why Small Businesses Don't Offer Employee Health Insurance?

By awarding it to the EU, "the Nobel committee wanted to remind people that the European project... has had a civilising effect, making a large contribution to turning ancient enemies into partners and spreading democracy and human rights", an editorial by Oliver le Bussy says.

BBC: EU's Nobel Peace Prize: Europe's press has mixed response

After all, the storm's effect on the wider economy has not been a large.

ECONOMIST: In Katrina's wake

The Chinese money supply has now grown so large that further increases can only have a limited effect.

FORBES: Beijing Opens M2 Spigot, Creates Instant Recovery

The report added the only modification since 1842 has been "the re-installation of in-cell sanitation, the effect of which has been to require two strangers to eat, sleep and spend a large part of their waking hours in what amounts to a shared lavatory".

BBC: Prison dubbed 'like a lavatory'

The effect has been to underutilise one of the big organisational advantages that the Big Four have: a large pool of partners who can help coach less experienced staff.

ECONOMIST: Talent management