Finance is a field that deals with the study of investments. It includes the dynamics of assets and liabilities over time under conditions of different degrees of uncertainties and risks. Finance can also be defined as the science of money management. Market participants aim to price assets based on their risk level, fundamental value, and their expected rate of return. Finance can be broken into three sub-categories: public finance, corporate finance and personal finance.
There is no group of people on the planet more stupid than bankers. They should be called bonkers. Look at the famous banks that are suddenly losing billions, because they handed out loans like lunatics.
Michael Winner, English film director and producer. From his interview in The Daily Mail (UK) newspaper, 17th June 2008.
Heating, ventilation and air conditioning (HVAC) systems account for approximately 35 % of the total energy spent in residential and commercial buildings. New nanotechnology will significantly reduce this massive energy use.
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