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question. On the surface, it might seem that we should always implement a major planning and control effort in order to minimize project uncertainty and be in full control of the project. Our philosophy on this matter might be re ected in statements such as, You can t plan too much and A project with weak controls is a project out of control. Unfortunately, planning and control have costs associated with them. The relationship between project costs and the costs of planning and control is illustrated in the following simple formula: Project costs = Production costs + administrative costs This formula shows that increases in the costs of planning and control (that is, administrative costs) drive up total project costs. It also illustrates that increases in planning and control costs mean that we are spending smaller and smaller proportions of our project budget on directly productive activities. What proportion of the project budget should be dedicated to planning and control costs Ten percent Twenty percent Fifty percent More How we answer this question is related to a number of important factors.

The Find and Replace dialog box, unlike most of Dreamweaver s dialog boxes, is actually a nonmodal window. This technical term just means that you can easily move back and forth between your Document window and the Find and Replace dialog box without having to close the dialog box first, as you do with the other Dreamweaver windows.

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Wells Fargo is currently in a race for its life Its losses are digging a hole every quarter, which will continue for the foreseeable future, so Wells Fargo s challenge is to earn pro ts fast enough to ll the hole before it engulfs the company We think it s likely to do so, which is why we now own the stock It s going to be a close call, however, which is why it s not a very big position there s still a real possibility of a bad outcome Everything hinges on how quickly the losses come in and how much money Wells Fargo can earn The $217 billion provision for credit losses provides a bit of a cushion, which Wells Fargo said during its January 28, 2009, conference call covers 12 months of estimated losses for consumer loans and at least 24 months for commercial loans.

8:42

We think that s optimistic, but it still underscores the good news for the company that its loans will take time to default Unlike toxic securitized nance products like RMBSs and CDOs, which have to be marked down very quickly, actual loans take time to season, and companies have some leeway as to when they take charge-offs and recognize losses For example,Wells Fargo is aggressive working with many at-risk homeowners and businesses to modify loans and reduce the chances of default In a race against time, it s critically important that Wells Fargo have these tools at its disposal Another plus is that Wells Fargo s management nally seems to have awakened to how perilous the situation really is, which led it to slash the dividend and even more aggressively cut costs.

Unsupported plugins are listed in the UnsupportedPlugins.txt file in Dreamweaver s Configuration/plugins folder. as of this writing, no plugins are listed in this file. If you continue to have problems playing plugins in Dreamweaver, check the file for compatibility.

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As we showed at the beginning of this chapter, Wells Fargo is generating pretax, preprovision earnings of approximately $30 billion to $34 billion annually ($75 billion to $85 billion per quarter) even before $5 billion in cost cuts and synergies kick in, which will likely boost this to $10 billion per quarter When combined with the $217 billion provision for credit losses, are these pro ts enough for Wells Fargo to keep ahead of the $52 billion to $124 billion of losses to come We think it s likely, but it depends on the level of pro ts and losses and, equally important, their timing If big losses materialize quickly but pro ts are weaker than we expect, Wells Fargo will be in big trouble Figure 13.

4 shows Wells Fargo s net loan charge-offs and its provision for credit losses for each of the past ve quarters The good news is that the loan charge-offs in every quarter are lower than the credit losses being taken, meaning the company is building its total provision.

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