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Schubert, R. (2003, January). Analyzing and managing risk - an opportunity for banks. News for Banks. UBS. Retrieved January 25, 2005 from Web site: http://66.102.7.104/search?q=cache:98qKN9TAoOYJ:www.u bs.com/1/ShowMedia/bank_for_banks/news/archive%3Fcont
Portfolio Risk Management

Stuerzinger, W. Risks and its permutations. News for Banks. UBS. Retrieved January 25, 2005 from Web site: http://66.102.7.104/search?q=cache:98qKN9TAoOYJ:www.ubs.com/1/ShowMedia/ba nk_for_banks/news/archive%3FcontentId%3D28297%26name%3Dnewsletter_jan2003.
Portfolio Risk Management

Federal Reserve Bank of New York - Banking Information- E-Banking. On the Internet at www.newyorkfed.org/education/ebanking/print.html E-Banking delivery channels. The Financial Gazette. November 2004. On the Internet at http://www.fingaz.co.zw/fingaz/200
E-Banking Operations

Ovando, C.J. (1993). Language diversity and education. In J.A. Banks & C.A.M. Banks (Eds.), Multicultural education: Issues and perspectives (2nd ed., pp. 215-235). Boston: Allyn and Bacon.
Cultural Diversity

Ovando, C.J. (1993), Language diversity and education. In J.A. Banks & C.A.M. Banks (Eds.), Multicultural education: Issues and perspectives (2nd ed., pp. 215-235). Boston: Allyn and Bacon.
Cultural Diversity