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They accept cards with a larger cardholder base. since both consumers' and merchants' willingness to pay for a larger network are presumably higher than for a smaller network, a larger network could gain more profit, both through higher prices and greater volume. it is difficult to find evidence of such network externalities in the literature. this is partly because network externalities are hard to measure. one exception is a study by mcandrews and rob 1996 ; , which found that atm switch fees are higher in more concentrated markets, where larger networks have sufficient market power to allow them to take advantage of network externalities.107 5.2.3 potential implications it is likely that consolidation to date has enhanced social welfare, both from the supply and the demand sides. concentrated production may have lowered per-transaction costs and may have raised consumer and merchant willingness to pay for an even larger network. moreover, there is no evidence that the current level of concentration is stifling competition. although consolidation has reduced the number of networks and third-party service providers, the remaining networks, processors, and isos are competing vigorously not only in prices but also in technological innovation. as a result, financial institutions, consumers, and merchants enjoy lower switch fees and other processing fees, as well as more advanced technology.108 moreover, consolidation within regional eft networks brings competition to national eft networks. the combined effects of regional eft networks expanding geographically and offering interconnectivities among networks allow some transactions to bypass national network switches through which they must otherwise be routed. this competitive pressure on national. Straight on the face of the cup is bad enough but when a guy either lifts your cup with an uppercut or slides it sideways like gatti did, it's all the more painful. referee cappuccino took one point away from arturo, who was already losing the round, because of the foul. ward, who could've had up to five minutes to recover, just took the usual minute rest between rounds and was ready for more. at the start of round 5, i still had arturo ahead on my scorecard but only by one point. ward had gotten right back into the fight but gatti was determined to keep the lead. gatti dominated the first minute of the fifth by throwing hooks, uppercuts, crosses and yes, even a couple of low blows. ward's indomitable will was on display for all to see as he just continued to march forward throwing punches. when the two fought on the inside ward's shorter and sharper hooks overcame arturo's wide flashy hooks. late in this round gatti fired off a dozen hard hooks at ward. but mickey just took them, nodded his head at gatti, and then came back with an even better june 2002. 5.2 rehabilitate existing housing using casino revenues in areas where the neighborhood fabric largely remains intact. Providing a virtual human with human-like reactions and decision-making is more complicated than controlling its joint motions from captured or synthesized data. here is where we engage the viewer with the character's personality and demonstrate its skill and intelligence in negotiating it's environment, situation, and other agents. this level of performance requires significant investment in decisionmaking tools. we can identify the use of two levels of architecture: to optimize reactivity to the environment at the lower level for example, in the choice of footsteps for locomotion through the space ; [reich 94, ko 96, becket 97]; to execute parameterized scripts or plan complex task sequences at the higher level for example, choosing which room to search in order to locate an object or another agent, or outlining the primary steps that must be followed to perform a particular task ; [badler 96, moore 94] and online gaming casino.

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