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Key to changes
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Text removedfrom 2002 FY- Text added to 2003 FY
Content analysis
?Positive | |
Negative | |
Uncertain | |
Constraining | |
Legalese | |
Litigous | |
Readability |
H.S. freshman Avg
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Content analysis
?Positive | |
Negative | |
Uncertain | |
Constraining | |
Legalese | |
Litigous | |
Readability |
8th grade Avg
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New words:
Abbey, abovementioned, absorb, accidental, accountablefor, accountingOur, accountsThe, accumulationIn, activitiesfell, activitiesOn, advi, agencyStandard, alert, amortised, AMP, Anthem, appraisal, arena, assetsare, assetsdecreased, assetsEffective, assetsinclude, assump, attorney, attuned, audience, authoritative, autumn, Avenir, BankA, BankingWealth, BankInvestment, BankSwitzerland, behave, beneficiary, beneficiaryIn, Bernstein, bility, billionCHF, birth, BMW, Bob, bookrunner, Branson, Brian, bright, Brin, Broe, Brown, buoyancy, businessDue, businesseswe, Bussnang, byEuromoney, calmer, cancellationCareful, candidature, capaci, CCP, cement, certainty, CFO, CFR, chairmanship, Chaplin, Chersi, Chinese, Chur, ciliation, civil, clarify, classi, clearance, CommitteeIn, CommitteeThe, concessionary, confronted, constrained, contrary, contributor, convergence, conveyed, Copain, counterpart, crafted, Croglio, Cruickshank, CSC, CTO, cubic, Cup, curtailment, cyclical, danger, deconsolidation, demerger, deplete, deregulationOver, deriva, derivativesEffective, desk, desktop, devastating, developmentsDuring, diffusion, diploma, direc, directionWe, disclosureto, disease, disguised, disproportionate, disproportionately, DistributionOur, distributor, DividendsOn, DJIA, Doerenkamp, Doha, dol, drawdown, drug, EAD, earningsA, ed, effectsDuring, elevate, elevating, embody, embracing, ence, engender, enthusiasm, entirety, entrepreneurial, EquitizationThe, equityWe, Erb, ernment, es, EscrowResearch, essen, establishrisk, ethnicity, EU, eventual, ExcellenceClient, exciting, exerted, expensesdropped, expensesWe, exposureOur, facili, Faculty, FDIC, fied, FinancialGlobal, FIRC, Florence, frameworkEvery, freelance, friendly, front, FTE, fun, fundraising, GAMHeadcount, GAMInvested, gay, Gazprom, GDP, gender, geo, Goodman, gov, Governancein, Governancesection, growthOur, GuaranteesIn, Guardian, Hackney, hard, Harriman, HeadcountWealth, hitting, holistic, Holler, Hotel, HSBC, IB, iii, imposerisk, incomeWe, indi, inFX, inInstitutional, injunctive, inspiring, interna, introductory, inversely, INVESCO, Investorfor, Iraq, IRS, ITI, ity, iv, ized, Jakobsstrasse, Joe, jumped, junior, Kedge, Laing, Lake, landfill, lar, Le, lesbian, lia, lieu, linear, lio, listening, Loansin, lossCredit, LossEach, LossExpected, ManagementGlobal, ManagementInvested, Managementon, managementOur, Marco, MBS, measurementExpected, MeasurementMeasurement, Medicare, Medicine, metropolitan, milestone, Ministerial, modular, moment, mood, MorganChase, Mother, multilateral, muted, narrative, Newark, nomic, noncorporate, Northern, Notz, objectiverisk, obliga, Obligationssubsection, occu, OfficeThe, older, Oppenheim, opposite, optionsIn, ourCorporate, Ourreal, outstripping, overlay, overstated, overweight, Panke, Patronate, PaymentOn, payout, PD, Pepperdine, peppered, performanceThere, perspectivesEconomic, Pertaining, Philip, picked, Pictet, Pierce, PIMCO, planningOn, platformRecognizing, plete, pm, poised, policiesconsistent, poll, portfolioAging, portfolioGeographic, portfolioIndustry, posi, poten, poverty, prepayment, prescription, pretax, probabilistic, productsdropped, productsIn, programsIt, ProjectIn, proof, propel, propertyEffective, protracted, provisioningIn, pying, Qatar, Raiffeisen, raison, Raoul, ratesIndicative, reallocated, reap, recon, redirected, reductionsIn, RegisterA, regu, reinstatement, reinventing, RelationshipsPartnership, remunerationRemuneration, repositioning, reproach, reputationby, respectDiversity, responsi, responsibilitiesThe, restoring, restructuringDespite, revenuesAll, Ripplewood, riskOperational, risksWe, rotation, sailing, Sal, Salt, scarcity, Scott, sectionCapital, SecuritizationThe, seeContractual, seed, seeOutlooksubsection, seminar, Sennatt, sentence, ServicesBanking, ServicesBasic, sheetsubsection, shortening, signaled, sincerely, SNB, societal, solidly, solutionsAt, son, sory, Southern, space, spent, spike, spoke, Sprint, Spuhler, spur, SRI, Stadler, StandardsIntegrity, StandardsRevised, steepened, strategiesIn, structurePaineWebber, Stucki, Stuerzinger, sublease, subsectionAuditorsin, subsectionCompensation, subsectionCompliance, subsectionPaineWebber, subsidy, substantive, summation, Suter, sweep, swept, Swisscontact, SwitzerlandDevelopment, SwitzerlandEffective, SwitzerlandInvested, SwitzerlandLoan, tabular, Tank, tation, teamwork, ted, Telecom, tension, Thealternative, Thecore, theinstitutional, theinvestment, theThomson, thewealth, thrive, tial, tic, Ticino, Timothy, tinuing, toEuromoney, toFreeman, toolkit, Toprotect, Totalcredit, Tower, trad, trademark, trainee, TSB, unambiguously, uncommitted, undermine, underway, unemployed, Unicredito, unjustified, unmatched, unobservable, unquantifiable, unwanted, USAConsistent, USAWealth, Utah, Valencia, valuesOur, varia, vidual, Vienna, vineyard, VIP, volunteerism, wearea, weidentify, Weil, WellPoint, wemeasure, Weprotect, wheelchair, Whistleblowing, Widder, Wilhelm, Wine, wraparound, wrote, WTO, Zug, Zurcher
Removed:
accountingThe, aChairman, adjusting, ADR, allocating, analytical, anAudit, apportioned, Arnold, ascertaining, auditorsErnst, augmented, autonomy, BankAlthough, begun, benchmarked, benefitsThe, Benjamin, BookThe, branded, centralizationBeing, channel, commitmentIt, commoditization, complemented, complicated, composed, conducting, consent, consequential, consistency, continual, contraction, controlRisk, converting, CRC, crime, cushion, DealKey, deficiency, determinant, Diermeier, diversifying, dominate, doubled, drove, earning, echelon, elimination, enforceability, enforcement, England, enhancement, exchangeable, expensesOperating, expensesPersonnel, expenseUnder, extensively, exuberant, faced, favorably, Firmenich, forecasted, foreclosure, formula, forum, Francisco, gathered, gathering, Granziol, greatest, GTC, highlight, implicitly, inclusion, incomeOperating, incremental, instantly, instrumental, insulated, investigate, irrecoverable, Jeffrey, justified, lay, legitimate, Lenhardt, LOCOM, Luqman, measurementThe, mechanism, mission, mitigated, Moody, Multimedia, openly, optimization, optimizing, organically, outperformed, overnight, peer, penetration, personalized, portability, portal, predictor, predominant, pressing, processIn, prominent, promising, propensity, provisioning, ran, reception, rediscountable, refinancing, renamed, responsibilitiesTheBoard, rewarding, safeguarding, San, score, screened, segmentsThe, servicing, shield, shrinking, sizeable, sized, society, spending, storage, straight, suited, Sundry, template, thegroup, timber, transparently, transport, Trinity, turnover, uncollectable, undertook, valid, varied, Wolfsberg, wrap
Valuein 2002 FY filing- Value in 2003 FY filing
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