At a July 13, 2004, Senate Banking Committee hearing on the effects of the GLBA five years after passage, the Legislative Director of the Consumer Federation cited Roger Ferguson ’ s 2003 speech and stated the “ extravagant promises ” of universal banking had “ proven to be mostly hype .” He noted that advocates of repealing Sections 20 and 32 had said “ anks, securities firms, and insurance companies would merge into financial services supermarkets ” and, after five years, some mergers had occurred “ but mostly within the banking industry, not across sectors .” Within the banking industry, Federal Reserve Board Chairman Alan Greenspan testified to Congress in 2004 that commercial bank consolidation had “ slowed sharply in the past five years .”

Within the insurance industry, product lines are indicated by the type of risk coverage, such as auto insurance, commercial insurance and life insurance.

Within months of his term, Florio signed a 20 % reduction of auto insurance premiums.

Within the American system, citation for driving under the influence also causes a major spike in car insurance premiums -- 94. 1 % in the first year, and still 63. 5 % higher by the third year.

Within New Zealand, the Accident Compensation Corporation ( ACC ) provides nationwide no-fault personal injury insurance.

Within these groups, there may be further sub-specializations: some forensic accountants may, for example, just specialize in insurance claims, personal injury claims, fraud, construction, or royalty audits.

Within days of the fire a Committee, comprising the Secretary of the Liverpool Fire Office and the agents of the Royal, Phoenix, Sun and North British insurance companies met and resolved that "... it be recommended to the various offices doing business in Liverpool to establish a salvage brigade to act as salvors and to take proper charge of all salvages, and see to their proper distribution ….”.

Within the Arbeitslosengeld II schemen, the state covers the health insurance of the unemployed.

Within the next five years, group health insurance accounted for a third of the business.

Within the forestry sector, the largest contributor to total production is pulp, followed by wood-based panels and lumber.

Within the financial sector, the term " financial markets " is often used to refer just to the markets that are used to raise finance: for long term finance, the Capital markets ; for short term finance, the Money markets.

Within the industrial sector, manufacturing contributes to a gross value added of 7. 2 %.

Within the construction sector, it is the job of the building services engineer to design and oversee the installation and maintenance of the essential services such as gas, electricity, water, heating and lighting, as well as many others.

Within the sector, services for enterprises represent 32, 2 % of the employees.

Within the sector, the production is of particular importance, followed by the construction, the services and the alimentary sector.

Within the services sector, the main activities in terms of gross value added are business activities, distributive trade, education and public administration.

Within this perspective, a particular agency or the government is accountable if voices from agencies, groups or institutions, which is outside the public sector and representing citizens ’ interests in a particular constituency or field, are heard.

Within the State sector lies the State services, and within this, lies the core Public service.

Within public sector much effort has been concentrated on creating software for tracking and monitoring terrorist activities.

Within each party, factions vied for power and control of wealthy firms and agencies in the public sector of economy in order to secure financial backing and jobs for supporters.

London Wall ( which is no longer extant in this sector ) divided the ward and road into an intramural portion called Bishopsgate Within and an extramural portion called Bishopsgate Without.

Within four days, Major General J. Lawton " Lightning Joe " Collins's VII Corps resumed the offensive toward Saint-Lô, alongside XIX Corps and VIII Corps, causing the Germans to move additional armor into the U. S. sector.

Within the financial services sector, the term market counterparty is used to refer to governments, national banks, national monetary authorities and international monetary organisations such as the World Bank Group that act as the ultimate guarantor for loans and indemnities.

Within three years of arriving, the Congregation had begun both its ministry at San Roque, a parish in the sector of Penalolen in Santiago, as well as its outreach to abandoned children in Santiago and later in Talagante.

Within the creative industries sector and again taking the UK as an example, the three largest sub-sectors are design, publishing, and television and radio.

Within the sector the jumpgates are roughly located in the north, south, east and west.

Within the boundaries of a society and economy dependable on knowledge, the technology? know-how ?, and particularly the comprehension of new and emerging technologies, constitute an invaluable asset and an enabler for business or organizations, in order to gain sustainable competitive advantage within markets, or simply to improve the operational efficiency and effectiveness, both within the public and private sector.

Within the state sector, they accounted for 3 % of primary schools, 19 % of secondary schools and 2 % of special schools.

Within the mobile sector, the firm invests in advertising, applications, devices and enabling technology companies.

Within the last four years, the region has seen significant growth in the agriculture sector.

Within the maintained sector in England, approximately 22 % of primary schools and 17 % of secondary schools are voluntary aided, including all of the Roman Catholic schools and the schools of non-Christian faiths.

Within the beer sector, premium beers have a 7. 8 % share of the market ; full strength beer has 70. 6 %; mid-strength holds 12 %; and light beer has 9. 6 %.

Within the term are covered self-propelled guns ( or howitzers ) and rocket artillery.

Within the class of human beings are all of the human beings, or the extension of the term ' human being '.

Within this definition, it is of paramount importance that the term " file " includes directories.

Within psychiatry the term anti-psychiatry was often used and now British activists prefer the term critical psychiatry.

Within the canonical formulation of quantum field theory, a Feynman diagram represents a term in the Wick's expansion of the perturbative S-matrix.

Within the book, the statement of divine immanence verbalized between the main characters, " Thou Art God ", is logically derived from the concept inherent in the term grok.

Within the computer programmer subculture of hackers, the term hacker is also used for a programmer who reaches a goal by employing a series of modifications to extend existing code or resources.

Within a few years, this previously obscure term featured regularly in the lexicon of the conservative social and political challenges against curriculum expansion and progressive teaching methods in US high schools and universities.

Within this tradition, the medical model is a term for the complete " set of procedures in which all doctors are trained " ( R. D. Laing, 1972 ), including mental attitudes.

Within the federal systems where legal conflicts among federal states require resolution, as in the United States and Australia, the term conflict of laws is preferred simply because such cases do not involve an international issue.

Within the entire Risk Management literature ( and this section of Wikipedia ) you will find little or no reference to the human part of the risk equation other than what might be implied by the term ' compliant '.

Within the term are covered self-propelled guns ( or howitzers ) and rocket artillery.

Within the ITS culture the term referred, self-mockingly, to the poor coverage of the documentation and obscurity of many commands, and to the attitude that by the time a tourist figured out how to make trouble he'd generally got over the urge to make it, because he felt part of the community.

Within the context of traditional Chinese philosophy and religion, Tao is a metaphysical concept originating with Laozi that gave rise to a religion ( Wade – Giles, Tao Chiao ; Pinyin, Daojiao ) and philosophy ( Wade – Giles, Tao chia ; Pinyin, Daojia ) referred to in English with the single term Taoism.

Within the politically heated turmoil of the early Weimar Republic, the media frequently used the term Fememord to refer to right-wing political homicides, e. g. the murder of Jewish politicians such as Kurt Eisner ( 1919 ), Matthias Erzberger ( 1921 ), or Walther Rathenau ( 1922 ) by right-wing groups such as Organisation Consul.

Within the very wide range of Eurasian decorative art that includes motifs matching this basic definition the term " arabesque " is used consistently as a technical term by art historians to describe only elements of the decoration found in two phases: Islamic art from about the 9th century onwards, and European decorative art from the Renaissance onwards.

Within speech pathology the term vocal register has three constituent elements: a certain vibratory pattern of the vocal folds, a certain series of pitches, and a certain type of sound.

Within the natural sciences, the term hard science is sometimes used to describe those sub-fields which some people view as relying on experimental, quantifiable data or the scientific method and focus on accuracy and objectivity.

Within the US it refers to people originating in the northeastern US, or still more narrowly New England, where application of the term is largely restricted to the descendants of colonial English settlers in the region.

Within the United States, the term Yankee can have many different contextually and geographically dependent meanings.