In the last few years, they have gone on a lending spree, blowing up their balance sheets in the process.

FORBES: The second in a four-part series. See Part One.

McLeish would like to keep Hart at St Andrew's, where he has played a key role in Birmingham's impressive form this season, keeping nine clean sheets in the process.

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The process of contracting their balance-sheets has caused them to shift assets back home.

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This process should actually help strengthen corporate balance sheets, and contribute to continued low default rates.

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But the key point is that Chapter 11 would have provided an orderly workout, giving the auto makers the legal protection to clean up balance sheets, modify contracts and restructure under due process.

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So this really still will allow for some stimulus because compared to what would happen otherwise, households having to bring their balance sheets in order, this is going to help that process.

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The UKFPO announced on Tuesday that it had discovered "a potential error in the scanning process of the situational judgement test" and promised to manually re-mark all the affected sheets within a week.

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The fund's stock-picking process includes a scan of companies growing faster than their peers, a risk evaluation of balance sheets and the stability of cash flows, and a hard look at valuation, to see if a stock is worth the price.

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One of the most striking pairings shows two African-American women in tintype, a variant of the wet-collodion process that was popular in the 1860s owing to its cheapness and durability (the images were printed on metal sheets, typically iron).

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