Bank

A bank is a financial institution that creates credit by lending money to a borrower, thereby creating a corresponding deposit on the bank's balance sheet. Lending activities can be performed either directly or indirectly through capital markets. Due to their importance in the financial system and influence on national economies, banks are highly regulated in most countries. Most nations have institutionalized a system known as fractional reserve banking under which banks hold liquid assets equal to only a portion of their current liabilities. In addition to other regulations intended to ensure liquidity, banks are generally subject to minimum capital requirements based on an international set of capital standards, known as the Basel Accords.

Banking in its modern sense evolved in the 14th century in the rich cities of Renaissance Italy but in many ways was a continuation of ideas and concepts of credit and lending that had their roots in the ancient world. In the history of banking, a number of banking dynasties — notably, the Medicis, the Fuggers, the Welsers, the Berenbergs and the Rothschilds — have played a central role over many centuries. The oldest existing retail bank is Monte dei Paschi di Siena, while the oldest existing merchant bank is Berenberg Bank.

Bankə

Bankə (also, Bank, Banka, Bankov, Imeni Kirova, Rybokombinat Imeni Kirova, Severo-Vostochnyy Bank, and Severo-Vostotchnyi Bank) is a village and the most populous municipality, except for the capital Neftçala, in the Neftchala Rayon of Azerbaijan. It has a population of 7,574.

Etymology

The city's name comes from Azerbaijani version of fishing bank.

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Horse jumping obstacles

Various obstacles are found in competitive sports involving horse jumping. These include show jumping, hunter, and the cross-country phase of the equestrian discipline of eventing. The size and type of obstacles vary depending on the course and the level of the horse and rider, but all horses must successfully negotiate these obstacles in order to complete a competition. Fences used in hunter and eventing are generally made to look relatively rustic and natural.

In jumping competition, they are often brightly colored and creatively designed. In hunter and jumper competition, obstacles are constructed to fall down if struck by the horse. In eventing, they are built to be solid, though for safety, certain elements may be designed to break away if hit.

Arrowhead

Also called chevrons, these fences are shaped like triangles, with the point facing towards the ground. They are generally very narrow, usually only a few feet wide. Arrowhead fences require the rider to keep their horse straight between their hands and legs, as it is easy for a run-out to occur due to the narrowness of the fence. These fences are often used in combination with other obstacles to increase their difficulty, such as right after a bank or as the second obstacle in a bending line. This tests the rider's ability to regain control of his/her horse following an obstacle.

Harlan Kredit

Harlan Kredit (born 1939) is a multiple award-winning Dutch-American high school teacher from Lynden, Washington. He was the first Washingtonian teacher ever to be inducted into the National Teachers Hall of Fame. He has spent the majority of his career at Lynden Christian High School. Kredit is also a ranger at Yellowstone Park in Wyoming during the summer and a prolific photographer for the National Park Service.

Kredit has gained renown for his "investigative" approach to teaching secondary biology and emphasis on leadership, and for his efforts in fish and wildlife conservation, particularly along Whatcom County's Fishtrap Creek (which eventually dispenses into Puget Sound). His students know him for his familiar exclamation of "It's a great day to be alive!"

History and work

Harlan Kredit was born and raised in Lynden, Washington, alongside Fishtrap Creek, which contained "huge numbers of salmon each fall."

Kredit graduated from Calvin College in 1961 and taught high school science education in Hudsonville, Michigan from 1962 to 1972. In 1967 he gained a master's degree in Science Teaching from the College of William and Mary.