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In section 1.5, phase velocity, u p ( ) = c n ( ) = c r ( ) , and group velocity, ug = c/[n( ) + dn( )/d ], for a pulse of light were considered in a medium with an index of refraction is the square root of the real part of the medium permittivity; the quantity in square brackets was called the group refractive index. If n( ) varied linearly with frequency, the effect of the modi ed interference for a pulse (having several Fourier components) was to shift the peak of the pulse in time, but with the pulse shape staying the same. We have now observed in this section that the real part of the relative permittivity of a medium, Equation 5.109 or 5.110, can be more complicated than a linear dependence on frequency. If a pulse is described by an incident time-dependent wave train, Ei(0, t), that has a well-de ned beginning at z = 0 (called Port 1), how would the signal reconstruct itself at some later time at a remote point, z = l (called Port 2), if the real part of its relative permittivity is not linear with frequency Some authors20 assume electric eld intensity of the wave is orthogonally incident from air into a medium at Port 1 and include the transmission coef cient 2.44b for normal incidence (cos i = 1) to write the amplitude of the electric eld of the wave for z > 0 in terms of its Fourier transform as

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Available through CNNmoneycom at http://moneycnn com/2007/11/09/news/newsmakers/merrill_rubinfortune/indexhtm 7 FASB Interpretation 46 (R), revised in December, 2003 8 FASB Statements 166 and 167 (Adopted on June 12, 2009) 9 If these revised FASB rules had been in place at the end of 2008, for example, the leverage ratio (Tier 1 capital relative to average adjusted assets) would have dropped from 608 percent to 387percent for Citigroup, and from 644 percent to 338 percent for Bank of America Committee on Capital Markets Regulation, The Global Financial Crisis: A Plan for Regulatory Reform May 2009, p 188 (I am a member of that Committee) 10 Krishna Guha, Tom Braithwaite, Francesco Guerra, and Aline Van Duyn, Treasury plans strict rules for securitization Financial Times, June 16, 2009, p 1 See Treasury White Paper, Financial Regulatory Reform: A New Foundation: Rebuilding Financial Supervision and Regulation June 2009, p.

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Now that Jim Wilde has had a walk-through of the agile compliance process, he wants to hear an explanation of how much this whole project is going to cost, and why the investment is going to be worth it. Initially, he balks at the figures millions to get started, and over one million a year in ongoing expense for agile compliance. Wouldn t it be easier, and cheaper, he asks, just to keep doing Sarbanes Oxley the way they did it the first year Yes and no, explains Dale Steyer. The agile compliance program is an investment, and it is likely to yield good returns for DexCo in hard dollars as well as intangibles. He proceeds to outline the ways in which agile compliance will pay off for DexCo. Agile compliance, if implemented correctly, has the potential to reduce the firm s outlay for compliance and audit over time. Eventually, the firm will spend less on compliance and external audit than it currently does. In addition, it is probable that DexCo s audit and SOX compliance fees will rise in the future as the company expands and faces remediation of deficient internal controls. Agile compliance mitigates against this potential.

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42 11 Treasury White Paper, ibid, suggests that Fannie Mae and Freddie Mac might become, among other things, the insurers of covered bonds 12 Henry J Paulson, United States Department of the Treasury: Best Practices for Residential Covered Bonds July, 2008 wwwtreasgov/press/releases/reports/USCoveredBondBestPra cticespdf ..

of the receiver. Instead, they specify the minimum required sensitivity for the various data rates allowed in the standard. In order to understand the relationship between the receiver NF and the system sensitivity, it is best to go through an example. The 802.11a/g requires the sensitivity of the system to be better than 83 dBm for the 6-Mbps rate and better than 65 dBm for the 54-Mbps rate. At the same time, a typical (realistic) OFDM system requires approximately 20 dB of SNR44 in order to be able to generate less than 10% PER (packet error rate, the limit required by the 802.11 standard to set the sensitivity levels). The equivalent required SNR for the 6 Mbps is approximately 5 dB. With the information on minimum required SNR and the required sensitivity at hand, one could calculate the required NF of the system (in decibels): NF = sensitivity kT 10 log(BW) SNR (3.1)

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