"A Guide to SME Finance" is a brief guide to designing and implementing an SME finance program within a commercial bank or other financial institution, such as an NGO. This work covers the rationale behind SME finance - why it makes sense for a bank to enter this market sector, followed by a step-by-step approach to designing and implementing the program. Munro highlights the need to automate the lending process, and offers a lengthy description of how this can be accomplished. Examples of loan application, analysis, and approval forms and templates are included along with instructions for use. Additional formats are provided for loan officer goals and periodic reviews, portfolio and relationship profitability management, as well as a model credit score card to use as a 'sift' for loan applicants.

Six previously published short stories, collected from the pages of Mammoth Book of Best New Erotica, Thou Shalt Not (Stories of Dark Crime and Horror), Best of Crossed Genres (Fantasy & Science Fiction with a Twist), South Dakota Review, and others. From New Orleans to Mexico to ancient Hawaii, six sensual, darkly fantastic tales reimagine classics such as Dorian Gray, Helen of Troy, and The Yellow Wallpaper. An obsessed paparazzo stalks his subject-a singer whose photos morph but face remains unchanged. An unborn triplet haunts and taunts its mother for the choice she made. An infertile woman seeks to learn the language of the dead baby she continues to carry.

Sensual yet comic, the love child of Anais Nin and David Sedaris might have penned these literary tales of lust and laughter, collected from the pages of Best American Erotica, Mammoth Book of Best New Erotica, Best Women's Erotica, Best of Literary Mama, Clean Sheets, Zyzzyva, and others. Erotic, humorous, and poignant stories about real-life challenges and their impact on the libido. A candid and often whimsical look at sex and the sexes.

This important publication provides, for the first time, a comprehensive review of knowledge of reproductive seasonality in teleosts. It addresses why a particular species should show such seasonality, and how environmental cues act as regulators to ensure that reproductive maturation and breeding occur at the optimum time. The book considers the ultimate factors responsible for the evolution of reproductive seasonality in fish. It reviews salient concepts of reproductive seasonality in mammals. This volume also includes a review of accumulated knowledge of the control mechanisms of salmonids, gasterosteids, temperate cyprinids, cyprinodonts and other brackish-water forms, and marine and tropical freshwater teleosts. This is a work of value to research scientists in the field of environmental physiology, reproductive biology, and comparative neuroendocrinology and endocrinology. In addition, it is relevant for institutions involved with aquaculture and fisheries management. It is useful for post-graduate as well as undergraduate courses in fish biology and various related subjects.