"... In PAGE 56: ...anagement systems in place was 3.40. The results are interpreted in table 3. TABLE3 . RESULTS ON LEADERSHIP (ORGANIZATIONS WITH KNOWLEDGE MANAGEMENT SYSTEMS) Question Average Standard deviation Explanation Knowledge is a valuable asset to our organizational strategy 4.... ..."

"... In PAGE 7: ...996; Kling, 1991; Malone et al. 1987; Nunamaker et al. 1993). Table4 shows these results. While team members agreed that a CT and an accessible knowledge repository are valuable assets to their work, such assets will have limited value for knowledge re-use unless such knowledge search mechanisms as reference links require less discipline by the team member to maintain, and quickly provide more informa- tion to facilitate a search process, and the bulk of knowledge is not of transient utility.... ..."

"... In PAGE 5: ... Banks have argued that they have faced increasing competition from other intermediaries (see Table 1), so an expansion of their activities is both important to their long-term viability and valuable to customers who wish to have the option of one-stop financial shopping. { TABLE1 HERE} One of the major motivations for the separation of commercial and investment banking both in the 1930s and today concerns the potential for quot;conflicts of interest (Kroszner and Rajan 1994 and 1997): Will the public be harmed by commercial banks engaging in investment banking? Banks might abuse the trust of their customers and take advantage of them by selling low quality securities without fully revealing the risks. Such behavior could broadly undermine confidence in the markets and banks themselves (e.... ..."

"... In PAGE 43: ... In one study, complexity was defined as a technological process or product [that] cannot be understood in full detail by an individual expert sufficiently to communicate all the details of the process or product across time and distance to other experts . 40 Using this definition, Table5 shows that in 37 Tassey [1997, Chap. 8].... ..."

"... In PAGE 31: ... The universe of assets that were chosen for investment were those currently ranked at the top of each of 10 industry categories by Dow Jones in August, 2000. In total there were n = 43 assets in this set (see Table1 ). The base set of factors were flve major market indices (see Table 2), to which we added the eigenvectors corresponding to the 5 largest eigenvalues of the covariance matrix of the asset returns, i.... ..."

"... In PAGE 13: ... This makes sense; assets produce income (and reduce expenses, see Sherraden, 1989) and so increase cash available to save, but debts must be repaid and so decrease cash available to be saved. Owners of cars or land who were free-and-clear of their mortgages were less likely to drop-out than those with mortgages ( Table4 ). Furthermore, participants with credit-card debt were 4.... ..."