As the government states that current students have a loan aversion, more students in my opinion seem to make more use of the loan services of the Informatie Beheer Groep (IBG). That was my starting point before I began this thesis. My point of view concerning student loans was that students do loan …

Fifty years after its launch, the European Union still has not succeeded in attracting the appropriate level of interest and the full support of EU citizens. Informing citizens about the European Union is a task of the government and the media, so that people gain knowledge and form an opinion about …

Often, simplified cultural explanations of a nation‟s economy are common sense and taken for granted. Amidst the debate about the propensity of European countries to compete with other prosperous knowledge economies, some consultants in The Netherlands postulate that the Dutch will never be able to match …

Genomics has multiplied the number of targets for new therapeutic interventions, but this has not yet lead to a marked increase of pharma pipeline outputs. The complexity of protein function in higher order biological systems is often underestimated. Translation from in vitro and in vivo results to the …

The subject of factor indeterminacy has a vast history in factor analysis (Guttman, 1955; Lederman, 1938; Wilson, 1928). It has lead to strong differences in opinion (Steiger, 1979). The current paper gives necessary and sufficient conditions for observability of factors in terms of the parameter matrices …