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11 The facilities hereby expressed to be granted to the Borrower may be utilized or drawn down by all or any one or more of them AND the repayment and other obligations of the Borrower hereunder shall continue to be binding upon all of them notwithstanding that not all of them may from time to time or at any time have been making use of the facilities hereby expressed to be granted or that such facilities may be utilized by all or any one or more of the Borrower in different proportions AND shall continue in full force and effect and be binding upon all the persons comprising the Borrower and any of them not released by the Lender from their obligations hereunder notwithstanding the liquidation or cessation of business of any of the Borrower or the release by the Lender of any one or more of the Borrower from any or all of their obligations hereunder AND no arrangement between the Borrower and their successors or assigns shall prejudice the right of the Lender to pursue the remedies against any one or more of them and in such order and manner as the Lender may think fit and the relationship between the Lender and/or the Borrower shall be that of principal and debtors and no giving of time or indulgence to or release of any one or more of the Borrower shall affect the right of the Lender to pursue the remedies against the other or others as if such giving of time indulgence or release had not been made

18.11 根据本契据明文规定批予借款人的信贷安排，可由借款人全部各人或任何一人或多人使用或提取，而借款人根据本契据承担的还款及其他义务须继续对全部各人具约束力，即使并非全部各人皆不时或在任何时间利用根据本契据明文规定批予的信贷安排，或即使信贷安排可能由借款人全部各人或任何一人或多人按不同比例使用，借款人根据本契据承担的还款及其他义务仍须继续对全部各人具约束力。即使借款人任何一个清盘或停业，或贷款人已解除借款人任何一个或多个在本契据中的任何或全部责任，借款人根据本契据承担的还款及其他义务须继续有效，并对借款人所包括的全部各人及当中任何未获贷款人解除本契据义务的人士具约束力；借款人、其继承人或受让人之间的安排，不得妨碍贷款人以其认为合适的次序及方式针对借款人及其继承人／受让人任何一人或多人采取补救方法的权利，而贷款人及／或借款人之间的关系须为债权人与债务人之间的关系，借款人任何一人或多人获延期、宽限或免除责任，均不得影响贷款人针对其他一人或多人采取补救方法的权利，犹如从未作出延期、宽限或免除责任一样。

The need to meet this demand can then throw the company into a liquidity crisis that may, in some cases, trigger still more downgrades. It all becomes a spiral that can lead to a corporate meltdown. Derivatives also create a daisy-chain risk that is akin to the risk run by insurers or reinsurers that lay off much of their business with others. In both cases, huge receivables from many counterparties tend to build up over time.(At Gen Re Securities, we still have $6.5 billion of receivables, though we've been in a liquidation mode for nearly a year.) A participant may see himself as prudent, believing his large credit exposures to be diversified and therefore not dangerous. Under certain circumstances, though, an exogenous event that causes the receivable from Company A to go bad will also affect those from Companies B through Z. History teaches us that a crisis often causes problems to correlate in a manner undreamed of in more tranquil times.

衍生性金融商品交易也有可能造成骨牌效应的风险，这是因为许多保险业及再保业者习惯将风险分散给其它保险公司，在这类的情况下，钜额的应收款项将随着交易对象的日趋复杂而持续累积，(以通用再保证券来说，虽然已经经过将近一年的清算期，目前仍有高达 65 亿美元的应收款项流通在外)，交易的一方或许对于自己相当有信心，认为其钜额的信用风险已经经过适度的分散，因此不会发生任何危险，只有等到某种特殊状况下，一个外部事件导致 A 公司的应收帐款发生问题，从而影响 B 公司，乃至于一路到 Z 公司，历史教训告诉我们危机的发生往往是我们在太平盛世时所梦想不到一连串问题串连所导致的。

The quality of interior environment in nursing home residents will become one of the attention-getting subjects due to the gradual increase of aging populations This paper directs at the research of nursing home's interior environment factors in Tainan We use the standard of international practice to analyze the intrinsical data of environmental monitoring and establish the characteristics which from environmental physical reaction of nursing home The research items are air environments (PM10 CO CO2 formaldehyde TVOC) temperate environments and light environment (illumination average brightness daylight factor) etc There are the inductive conclusions of this research: 1 In basic medicine the clinical diagnosis means the theory and technique about physical examination with patients The definition of clinical diagnosis in architecture should be the diagnosis of building preserve and improve the feasible way to extend building's service life and assure the residents of the healthy quality of interior environment The object of clinical diagnosis in architecture is not only to ensure the use of structure and environment quality but also keep the structure and environment quality in sustainable; therefore creating an efficient system of preserving plan is needed 2 It is an accurate and technical circumstance which about improving remedying and reconstructing the problems of structure space This circumstance includes finding questions ensuring causation ascertaining ultimate strength evaluating environment quality estimating the necessary of restoration and implementing on a suitable way Furthermore when reconstructing and ameliorating the appearance of structure space it should be respected and the memories of it should be preserved 3 In clinical diagnosis of environment quality of space the question of physical environment and the deficiencies of structure must be separated The structure space of construction and the high quality of space should be inspected strictly then observed the crucial reason that can find out any invisible and hidden causes The diagnosis of construction is to observe the reason of destroyed structure The environmental diagnosis of indoor and outdoor is to find out the crucial reason that influences health 4 In order to decrease the iterant problems the construction and environment of space should be diagnosed However the destruction by natural strength and artificial using by human are important causes that can affect the service life of construction Searching the cause of disease just like curing the patient which includes inspection diagnosis cure and prevention We tested the thermal conductivity of siding material in this research and then found out the roof east vertical face and west vertical face have most radiant heat especially the construction of RC The characteristics of opaquely outer casing have relations with the thermal conductivity of wall to wiz the ability of heat insulation Therefore increasing the efficiency of heat insulation and decreasing the endoergic factor of insolation are very important to temperate environments

而随著国内老年人人口逐渐增加，逐渐迈向高龄化之同时，对於高龄者使用空间之室内环境品质相关议题之探讨，亦成为未来我们需加以关注之议题之一。主要为针对台南某安养中心室内环境因子进行检测调查工作，利用现场室内环境测定以取得有效的实测数据；再藉由汇整相关国际评估基准，并进行实测数据比对分析，建立老人安养中心对物理环境反应之特性。并以前期相关研究文献回顾与老人安养中心实测案例现场的实验，来了解不同空间物理环境特性之影响，并将结果回馈实际建筑及室内设计之用。调查工作项目包含：空气环境之PM10、CO、CO2、甲醛、TVOC；温热环境之室内温度、相对湿度、人体PMV、PPD；光环境之照度、均齐度、昼光率等因子调查。本研究结果可归纳以下几点结论： 1 所谓临床诊断医学乃相对於基础医学而言，是指实际与病人接触的医疗及护理行为中牵涉到的理论和技术；而建筑的临床诊断的定义应为建筑本体与室内外诊断、维护及改善所有可行的方式来延长建筑物的寿命，并确保人与室内环境空间品质的健康。建筑临床诊断目的为确保结构体与环境品质能继续使用，而能维持所需要的效能及承受能力。一个有效的维护计画体系是必须建立的 2 在建筑空间之问题改善、治疗与修复执行中，是一个精确与技术性的事项，其中包含找出问题、确定原因、评估结构应力强度、评估环境品质、评估修复与改善必要性、选择及执行一个适当的过程。其改善与修复也必须尊重建筑空间原有色彩与形貌，并保留原有记忆及文化。 3 在临床诊断中空间环境品质中，物理性环境问题与结构构件缺陷必须分别判断，诊断建筑空间之结构与空间舒适品质必须详细观察其症结性问题，才能发现任何隐藏及有潜伏性缺陷的原因。建筑本体诊断是观察出建筑本体之破坏原因，而是内外空间环境诊断目的在於的找出影响健康因素之症结性问题。 4 建筑本体与空间环境之预防评估目的为降低与抑制问题的再发生。然而，自然力的破坏与人为使用因素皆是影响建筑生命期之主要因素，找出病源问题就如同医生对病人的处理，包含了侦查、诊断、治疗以及预防。 5 本研究以外墙材料热传导率测试结果发现，屋面与东西向立面是承受辐射热最多的地方，尤以 RC 的建筑更甚，不透明部分的外壳能特性主要与壁体的热传透率即隔热能力有关，但是承受来自日射的吸热影响，因此增加隔热性能与降低日射吸热因子是对温热环境是非常重要的。

Three are the structural fire precaution spacings whether to be taken; Periphery construction fire traffic lane, exit passageway, fire escape to be whether unimpeded; Construction fire prevention facility whether complete easy to use; The fire safe evacuation informational sign, the emergency lighting, the fire hydrant establishment and the fire fighting equipment dispose whether to conform to the stipulation; Whether the construction interior trim does meet the fire technology code requirement; Around building whether to exist violates regulations to build and so on to affect the personnel to escape with the fire fighting rescue phenomenon.

三是建筑防火间距是否被占用；建筑周围的消防车道、疏散通道、安全出口是否畅通；建筑消防设施是否完整好用；消防安全疏散指示标志、应急照明、消火栓设置和灭火器材配置是否符合规定；建筑内部装修是否符合消防技术规范要求；在建筑物周围是否存在违章搭盖等影响人员逃生和灭火救援的现象。

Meantime, their perspection of the economy will affect the stock price through their investment. That is to say that the investment itself will affect the stock price and the efficiency of the sercureties market.

同时，他们对经济前景的预期也通过投资行为反映到股票价格及其波动上，也就是说投资者投资行为影响着股价的走向和证券市场的效率。

From the point of the development process in the past, basically affect petrolic political incident also can affect tanker to carry.

由于此类事件难以猜测，在此暂不做分析。1。中国油运业面临日益缩小的国际空间。

Recently, the cracks of concrete are common in building structures, they appear in the slab of roof, the slab of wall, basement and so on. They affect the safety and durability, and lead to trouble and compensation in real estate. Although many of clacks do not affect the safety of building, people believe that the cracks are the sign of dangerous, and are afraid of the cracks.

近年来，混凝土的裂缝问题在工程实践中越来越突出，楼面板、墙板、地下室等的开裂现象随处可见，对结构的安全性、耐久性提出了考验，在房地产开发中由于裂缝问题引起的纠纷和索赔不计其数。

At the same time, turquoise is also a more delicate gem varieties, heat or suffered acid will affect its color, but do not沾水so as not to affect the solid precious stones, so, please safeguard them.

同时松石也是一种较为娇贵的宝玉石品种，受热或者遭遇强酸会影响它的色泽，而且请勿沾水，以免影响宝石的牢固程度，所以，请小心呵护。

If long-term excessive, and will lead to accumulation of fat blocking DNA synthesis, resulting in the "heart of beer" and "General belly," and thus affect the normal function of the heart, also inhibit and affect the normal cell activity.

如果长期过量，将导致脂肪堆积而阻断核糖核酸合成，造成&啤酒心&&将军肚&，从而影响心脏的正常功能，也会抑制、影响细胞的正常活力。

Because there are many factors which affect the seakeeping of ships, moreover the seakeeping is not the result that single factor affects , but is the result that all factors affect together , we must look for a scientific synthetic method to evaluate the seakeeping of ships based on the effects of all factors. Only by this way could we obtain a correct conclusion that would give the ship designr and masters an effective guidance.

由于影响船舶耐波性的因素较多，对船舶耐波性的影响，不是单因素的影响，而是所有因素共同作用的结果，因此必须在综合考虑各种耐波性因素的影响的基础上，寻找到科学的耐波性综合评价方法，对船舶的耐波性做出系统评价，才能得到准确的结论，才能对船舶的设计与航行做出正确的指导。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。