"I think we actually see in this phase of the cycle a little bit of reduction in the impact on credit metrics of things like unemployment, " said Richard D.

WSJ: Long-Term Unemployed Fall Out of Credit-Card Statistics

Not having that reduction to his taxable income pushed his income up through the phase out limit on qualifying for the American Opportunity Credit (AOC).

FORBES: Tax Complexity, Confusion And Compliance

For its part, Merck notes that its BACE inhibitor recently demonstrated a reduction in cerebral spinal fluid, or CSF, a biomarker, in a Phase I study.

FORBES: Merck Makes A 'Speculative' Step Into Alzheimer's

The International Fund for Cultural Diversity is a multi-donor Fund established in 2009 under Article 18 of the 2005 Convention for a pilot phase of 36-months, , with the purpose to promote sustainable development and poverty reduction in developing and least-developed countries that are Parties to the Convention.

UNESCO: CYPRUS NATIONAL COMMISSION FOR UNESCO - The Convention for the Protection and Promotion of the Diversity of Cultural Expressions