Banks

Banking and finance!Reason? Financial crisis. How banks like "Bank of America", "U.S. Bank" or even banks from Europe will evolve in this long period of time? We are here to figure out the effects of this crisis. The term financial crisis is applied broadly to a variety of situations in which some financial institutions or assets suddenly lose a large part of their value. In the 19th and early 20th centuries, many financial crises were associated with banking panics, and many recessions coincided with these panics. Other situations that are often called financial crises include stock market crashes and the bursting of other financial bubbles, currency crisis, and sovereign.defaultsMany economists have offered theories about how financial crises develop and how they could be prevented. There is little consensus, however, and financial crises are still a regular occurrence around the world.Banking crisisWhen a bank suffers a sudden rush of withdrawals by depositors, this is called a bak run. Since banks lend out most of the cash they receive in deposits see fractional-reserve banking, it is difficult for them to quickly pay back all deposits if these are suddenly demanded, so a run may leave the bank in bankruptcy, causing many depositors to lose their savings unless they are covered by deposit insurance. A situation in which bank runs are widespread is called a systemic banking crisis or just a banking panic. A situation without widespread bank runs, but in which banks are reluctant to lend, because they worry that they have insufficient funds available, is often called a credit crunch.Examples of bank runs include the run on the Bank of the United States in 1931 and the run on Northern Rock in 2007. The collapse of Bear Stearns in 2008 is also sometimes called a bank run, even though Bear Stearns was an investment bank rather than a commercial bank. The U.S. savings and loan crisis of the 1980s led to a credit crunch which is seen as a major factor in the U.S. recession of 1990-1991.

Travian - Browser Game

Travian is an award-winning German massively multiplayer online browser-based strategy game developed by Travian Games GmbH.[1]
The game's developers drew roughly from Classical antiquity and particularly from the Roman Empire to create a predominantly militaristic real-time strategy. Along with three English versions, and the original German version, the game has been translated into over 40 other languages, and has over 3 million players and over 250 servers worldwide.In 2006, it won the Superbrowsergame Award, in the large games category.Travian is programmed in PHP and runs in most modern browsers (such as Camino, Firefox, Internet Explorer, or Safari). Travian was also the first game of its type to be playable on mobile phones. When played on a cell phone, it uses Java.
There are three tribes available to be played, the Romans, the Gauls, and the Teutons. Each has their own characteristics. The Romans complete upgrades faster than other tribes, the Gauls defend better than the others, and the Teutons are geared towards an aggressive style of play.
However, the actual style always comes down to the player, and his/her style of play. The fourth tribe, known as the "Natars", are an NPC tribe who were—according to the game—the enslavers of the Gauls and the Teutons before the Romans invaded Travian. The Natars enjoy many benefits normal tribes do not, but only come into the game as part of the end game sequence, more specifically, 300 days after the start of the server (except if the player is on a speed server, in which case they appear after 100 days).