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![]() The two forces also jointly determine a non-monotonic relationship between bank concentration and efficiency. To explain the equilibrium characterization, I propose two mechanisms, a risk shifting mechanism and a net margin mechanism, the direction of which will be determined by the banks’ optimal decisions on the loan rate and the accumulation of excess bank capital. Based on the model, when the bank capital ratio exceeds the minimum requirement, intensifying bank competition leads to more risk taking otherwise, no significant correlation is observed. ![]() How does bank capital affect the relationship between bank concentration and risk taking? I develop a tractable dynamic model with heterogeneous financially constrained entrepreneurs and an imperfectly competitive banking sector. ![]() In the music, there is no happiness to be found in the present or the future, only bittersweet memories of youth wasted on the young and the good times that never were-specifically, the early 2000s. To See the Next Part of the Dream is not an antidote to its creator’s paralyzing misery, but a monument that honors its enormity-“I wish no one had seen my miserable self/I wish no one had seen my numerous failures/I wish my young and stupid days to disappear forever,” they sing on the opening “Beautiful World.” If that feeling scans as melodramatic, To See the Next Part of the Dream ensures it’s every bit as overwhelming as they say it is. Despite the internet’s endless possibilities for personal reinvention, Parannoul is an alias, not an alter ego. The only subjective fact: they’re a student writing music in a Seoul bedroom. ![]() The process of shaping this style was as follows: ![]() Song Style: In the past, Aref's work was known among music pursuers as "Aref style.". Number of songs : I present you (August 2018), that's enough (June 2018), Peshmerga (February 2017), who better than you (November 2016), Love (July 2016), Bagh-e Darya (February 2016), Mondgar (December 2015), Don't Cry (January 1, 2015), Song of Nostalgia (June 2014), Love (May 19, 2014), Storm (October 1, 2013), Aramesh (2012), If you're not (with Reza Naderi- 2011), Stars, Fire (2007), Persian Gulf. He first lived in London, England, for three years, then moved to Los Angeles, United States. ![]() Aref and his family left Iran in 1979, following the Islamic revolution. His first hit was " Daryacheye Noor" which is still popular among all the Iranians. After the Islamic revolution Aref left Iran and went to London and Los Angeles. In the 1960s, Aref introduced a new wave of romantic styles to the large spectrum of romantic Persian music. Before starting his career as a singer, Aref worked as a teacher in Qazvin industrial school of art for two years, but the truth is that he has been singing since he was 12 years old. He graduated from Tehran Industrial School of Art in 1958. He is known as "The king of hearts" and "The legend of pop" in Iran. Aref Arefkia ( Persian: عارف عارفکیا), known as Aref ( Persian: عارف also Romanized as Āref, born August 10, 1940) is an Iranian pop music singer and former actor. ![]() It’ll be so beneficial if your ID Card is expired, stolen or not available. 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