Remember to follow any special regulations in force in any area, and always switch off your device when its use is prohibited or when it may cause interference or danger. Use the device only in its normal operating positions. This device meets RF exposure guidelines when used normally, and it and its antenna are positioned at least 1.5 centimeters (5/8 inches) away from your body (refer to the figure below). It should not contain metal and you should position the device the above-stated distance from your body.
To successfully transmit data files or messages, this device requires a good quality connection to the network. In some cases, transmission of data files or messages may be delayed until such a connection is available. Ensure that the above separation distance instructions are followed until the transmission is completed. Parts of the device are magnetic. Metallic materials may be attracted to the device, and persons with hearing aids should not hold the device to the ear with the hearing aid. Do not place credit cards or other magnetic storage media near the device, because information stored on them may be erased.
Firms that contract debt in foreign currency rather than in domestic currency can create currency exposures via balance sheet mismatches. These currency exposures can potentially lead to more costly external financing, or even bankruptcy when the exchange rate depreciates sharply. There-fore the currency composition of corporate debt is an important capital structure decision.
What information do credit ratings contain? Given their role of reducing information asymmetries between borrowers and lenders, we naturally expect them to be informative. However, defaults of highly-rated issuers and perceived conflicts of interest lead to concerns about the rating agencies’ incentives to make ratings informative. If information in credit ratings affects the allocation of capital, understanding the rating agencies’ incentives to reveal that information is important for optimal design of the ratings sector.
