In contrast, Google continues to innovate in many spheres of Internet and e-commerce activity, from mobile operating systems to books to social media.

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New construction activity will inch upward, operating income will be a little better, and property values will level off.

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After the asset sale to Zumwalt, Woodside Ranch had no operating assets and ceased to engage in any meaningful business activity.

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Based on volumes of activity and current cost structures of many banks, operating costs may need to fall by 20%-45% and the balance sheet by 50%-75%, through closing or selling branches, products, business lines, and even entire regions.

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Verizon spent part of that time preparing its network for the surge in activity that would come with iPhone sales, said Verizon Communications President and Chief Operating Officer Lowell McAdam.

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And consumption is further reduced by adjusting the operating speed and voltage of the chip on the fly, depending on the user's activity.

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"We want to make sure that the activity going on in the customer's account is legitimate, " says Jay Wittman, chief operating officer at River Valley Bank.

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