Is your life about adding somehow to the human environment in such a way that there is a net gain, or is it somehow consuming something from the human environment in such a way that there is a net loss?

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"Microsoft has a lot to lose in this environment while net native companies have nothing to lose, " Cooper told CNN.

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What matters for the safety of consumers and the environment is the net effect of the change.

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In other words, there should be a net benefit to the global environment and slow the course of global warming.

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These burdens are occurring amid tepid loan growth and in a low interest rate environment that contributes to net interest margin contraction.

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Given a still uncertain earnings environment for Wall Street titans and Main Street lenders, net buybacks that drive share counts lower could help drive overall earnings per share growth in 2013 for a handful of banks.

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Net interest margin declined to 3.66%, a reflection of the low interest rate environment being orchestrated by the Federal Reserve thanks to its asset purchase programs over the past several years aimed at greasing the skids for an economic recovery.

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Without fiscal temperance, as well as education reform and a better regulatory environment, there will neither be the opportunity for social mobility nor resources for a social safety net, public or private.

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This decline in the anticipated first quarter EPS points to the effect of the European sovereign debt crises, slowing growth in the Asia-Pacific region and the weak economic environment in the U.S. In addition, the company faces increased pressure on its net income on account of higher pension contributions, which have increased as a result of historically low interest rates.

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