Basel II means that capital required is more aligned with risk than Basel I was.


Cees Maas

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Always do more than is required of you.
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Risk more than others think safe.
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The risk it takes to remain tight inside the bud is more painful than the risk it takes to blossom.
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The benefits more than offset any risk limitations.
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Excellence can be obtained if you:
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The ODT Conference & Expo is directly aligned with our initiatives here.
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He was awesome,
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I'm glad they play hard for me, but this was a team victory.
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I wasn't really happy that I had to go in,
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Never was there a doubt that I thought we couldn't come back.
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The Forest - my forest.
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I had become the music and the fire and the night, and there was nothing that could slow me down.
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I'm not ill like that,” she groaned. He sat on her bed, peeling back the blanket. A servant entere...
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A lovely girl gazing at the stars, and the stars who gazed back.
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Don't be angry, Finnula had said, be smart.
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You’re a girl?”
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Nameless is my price.
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Ten years of shadows, but no longer. Light up the darkness, Majesty.
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As my friend, you should either bring me along, or keep me company."
"Friend?" he asked.
S...
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I see all of you, Rhys. And there is not one part that I do not love with everything I am.
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She was the heir of ash and fire, and she would bow to no one.
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How long was I asleep?" she whispered. He didn't respond.
"How long was I asleep?" she asked a...
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Would you like me to grovel with gratitude for bringing me here, High Lord?"

"Ah. The Sur...
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You cannot pick and choose what parts of her to love.
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My name is Celaena Sardothien. But it makes no difference if my name's Celaena or Lillian or Bitch, ...
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To the people who look at the stars and wish, Rhys."
Rhys clinked his glass against mine. “To...
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I would no...
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When you spend so long trapped in darkness, Lucien, you find that the darkness begins to stare back.
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And then I am going to rattle the stars.
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We all bear scars,... Mine just happen to be more visible than most.
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No. I can survive well enough on my own— if given the proper reading material.
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You could rattle the stars," she whispered. "You could do anything, if only you dared. And deep down...
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Leave this world... a better place than how you found it.
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One life may change the world.
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I have no regrets in my life, but this. That we did not have time. That I did not have time with you...
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Feyre Archeron,' the Suriel said again, gazing at the leafy canopy, the sky peeking through it. A pa...
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Libraries were full of ideas—perhaps the most dangerous and powerful of all weapons.
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We're all a broken, in our own ways - In places no one might see.
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He looked at his friend, perhaps for the last time, and said what he had always known, from the mome...
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Sometimes, the wicked will tell us things just to confuse us–to haunt our thoughts long after we'v...
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To whatever end.
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I sipped from my wine. "And if he had grabbed me?"

There was nothing but uncompromising w...
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Males are horrible creatures, aren’t they?
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There you are. I've been looking for you.

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When you spend so long trapped in darkness, you find that the darkness begins to stare back.
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I was not prey any longer, I decided as I eased up to that door.
And I was not a mouse.
I ...
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Many atrocities, have been done in the name of the greater good.
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And I wondered if love was too weak a word for what he felt, what he’d done for me. For what I fel...
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I am broken and healing, but every piece of my heart belong to you.
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My mate. Death incarnate. Night triumphant.
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He thinks he'll be remembered as the villain in the story. But I forgot to tell him that the villain...
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Rhysand stared at me for long enough that I faced him.
"Be glad of your human heart, Feyre. Pit...
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And he looked lonely enough that she said, 'If you like, you could be my friend'.
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It’s Aelin now,” she snapped as loudly as she dared. “Celaena Sardothien doesn’t exist anymo...
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The wrath Chaol found in Aelin’s eyes was world-ending. “You bring my court into this, Chaol,”...
SARAH J. MAAS
Even when we’re apart tomorrow, I’ll be with you every step of the way. And every step after—w...
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Her scent hit him. For a second, he could only breathe it deep into his lungs,his Fae instincts roar...
SARAH J. MAAS
What if we go on,' he said, 'only to more pain and despair? What if we go on, only to find a horribl...
SARAH J. MAAS
I miss you,' she said. 'Every day, I miss you. And I wonder what you would have made of all this. Ma...
SARAH J. MAAS
Tell me that we’ll get through tomorrow. Tell me that we’ll survive the war. Tell me—” She s...
SARAH J. MAAS
Elegant, feminine, and utterly wild. Warm, and steadfast—unbreakable, his queen.
SARAH J. MAAS
Whatever you had to do to survive, whatever you did from spite or rage or selfishness … I don’t ...
SARAH J. MAAS
What in hell is that?”
She kept going toward the bathroom, refusing to apologize or look down...
SARAH J. MAAS
Fae warriors: invaluable in a fight—and raging pains in her ass at all other times.
SARAH J. MAAS
But she was her own champion now.
SARAH J. MAAS
Aelin took a step forward.
One step, as if in a daze.
She loosed a shuddering breath, and...
SARAH J. MAAS
Thirty minutes later, Rowan was still staring up at the ceiling, teeth gritted as he calmed the roar...
SARAH J. MAAS
They were infinite. They were the beginning and the ending; they were eternity. The king standing be...
SARAH J. MAAS
He shifted his arm so he could brush her hair back. His fingers lingered along her jaw. “You make ...
SARAH J. MAAS
I missed you,” he said quietly, his gaze darting between her mouth and eyes. “When I was in
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But perhaps the monsters needed to look out for each other every now and then.
SARAH J. MAAS
Sometimes there won’t be a right choice, just the best of several bad options.
SARAH J. MAAS
They joined hands.
So the world ended.
And the next one began.
SARAH J. MAAS
If you're a monster, I'm a monster.
SARAH J. MAAS
She looked at them, at the three males who meant everything—more than everything. Then she smiled ...
SARAH J. MAAS
Because I am lost," she whispered onto the earth. "And I do not know the way.
SARAH J. MAAS
Still, the image haunted his dreams throughout the night: a lovely girl gazing at the stars, and the...
SARAH J. MAAS
She was a whirling cloud of death, a queen of shadows, and these men were already carrion.
SARAH J. MAAS
Each of the scars, the chipped teeth and broken claws, the mutilated tail—­they ­weren’t the m...
SARAH J. MAAS
And Chaol was afraid, but not for himself. He was afraid of what would come when Aedion and Aelin we...
SARAH J. MAAS
I worry because I care. Gods help me, I know I shouldn't, but I do. So I will always t...
SARAH J. MAAS
We each survive in our own way.
SARAH J. MAAS
I'm not married,” he said softly, “because I can't stomach the idea of marrying a woman inferior...
SARAH J. MAAS
Of course." He picked up the brown bag of candy on the table. "What's your . . ." He trailed off as ...
SARAH J. MAAS
Where will we go?"
"I hear hell is particularly nice at this time of year.
SARAH J. MAAS
I found him carefully studying me, his lips in a thin line. “Has anyone ever taken care of you?”...
SARAH J. MAAS
I got the idea for 'Throne of Glass' when I was sixteen. Music always inspires my books, and...
SARAH J. MAAS
Fear could break a line faster than any enemy charge.
SARAH J. MAAS
If you can learn to endure pain, you can survive anything. Some people learn to embrace it- to love ...
SARAH J. MAAS
I moaned then, tilting my head back to give him better access. His hands clamped on my waist, then m...
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Names are not important. It's what lies inside of you that matters.
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Some things you hear with your ears. Others, you hear with your heart.
SARAH J. MAAS
I threw myself into that fire, threw myself into it, into him, and let myself burn.
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The Court of Dreams.
The people who knew that there was a price, and one worth paying, for that...
SARAH J. MAAS
Since my 'Crown of Midnight' tour in 2013, we've had such a rapid jump in audience numbe...
SARAH J. MAAS
I've always been a huge fantasy fan. I was always interested in fairy tales and anything with ma...
SARAH J. MAAS
After a too-long moment, the crown prince spoke. “I don't quite comprehend why you'd force someone...
SARAH J. MAAS
He won every game, yet she hardly noticed. As long as she hit the ball, it resulted in shameless bra...
SARAH J. MAAS
Apparently, a woman can only go so long without a sword between her hands.
SARAH J. MAAS
Do you know how far the wall is from the mines?”
He gave her blank look. She closed her eyes...
SARAH J. MAAS
His breath was warm on her neck as he bent his head, resting his cheek against her hair. Her heart b...
SARAH J. MAAS
You have the skills,” Chaol said, “but some of your moves are still undisciplined.”
“Th...
SARAH J. MAAS
Second place is a nice title for the first loser.
SARAH J. MAAS
I wasn't going to kill him, you buffoon.
SARAH J. MAAS
Enjoyed that, did you?" Chaol growled.
"Immensely." Celaena patted Chaol's arm as she took it i...
SARAH J. MAAS
Celaena," Chaol said gently. And then she heard the scraping noise as his hand came into view, slidi...
SARAH J. MAAS
With each day he felt the barriers melting. He let them melt. Because of her genuine laugh, b...
SARAH J. MAAS
She moaned into her pillow. "Go away. I feel like dying."
"No fair maiden should die alone," he...
SARAH J. MAAS
In the garden, the Captain of the Guard stared up at the young woman's balcony, watching as she walt...
SARAH J. MAAS
No matter what happens," she said quietly, "I want to thank you."
Chaol tilted his head to the ...
SARAH J. MAAS
Be glad of your human heart, Feyre. Pity those who don’t feel anything at all.
SARAH J. MAAS
And I realized—I realized how badly I'd been treated before, if my standards had become so low. If...
SARAH J. MAAS
The people you love are just weapons that will be used against you.
SARAH J. MAAS
Who said anything about shame?" She gestured down to her naked body, even though it was covered by t...
SARAH J. MAAS
It would not take a monster to destroy a monster - but light, light to drive out darkness.
SARAH J. MAAS
I love you,’ he whispered, and kissed my brow. ‘Thorns and all.
SARAH J. MAAS
My friend through many dangers. My lover who had healed my broken and weary soul. My mate who had wa...
SARAH J. MAAS
And so Tamlin unwittingly led the High Lady of the Night Court into the heart of his territory.
SARAH J. MAAS
She is my mate. And my spy,' I said too quietly. 'And she is the High Lady of the Night Court.'
SARAH J. MAAS
She was fire, and light, and ash, and embers. She was Aelin Fireheart, and she bowed for no one and ...
SARAH J. MAAS
Their hands clasped between them, he whispered into her ear, "I claim you, too, Aelin Galathynius.
SARAH J. MAAS
You make me want to live, Rowan. Not survive; not exist. Live.
SARAH J. MAAS
To the stars who listen—and the dreams that are answered.
SARAH J. MAAS
Pity those who don't feel anything at all.
SARAH J. MAAS
Fire-breathing bitch-queen.
SARAH J. MAAS
I claim you, Rowan Whitethorn. I don't care what you say and how much you protest. I claim you as my...
SARAH J. MAAS
I fell in love with you, smartass, because you were one of us—because you weren’t afraid of me, ...
SARAH J. MAAS
I like music," she said slowly, "because when I hear it, I . . . I lose myself within myself, if tha...
SARAH J. MAAS
What's your name?" he asked above the roar of the music.

She leaned close. "My name is Wi...
SARAH J. MAAS
I claim you, Aelin. To whatever end.
SARAH J. MAAS
He was hers and she was his and they had found each other across centuries of bloodshed and loss, ac...
SARAH J. MAAS
The world,” Aelin said, “will be saved and remade by the dreamers, Rolfe.
SARAH J. MAAS
Even when this world is a forgotten whisper of dust between the stars, I will always love you.
SARAH J. MAAS
Behind them, across the hall, the dancers shattered their roses on the floor, and Aedion grinned at ...
SARAH J. MAAS
My name is Celaena Sardothien," she whispered, "and I will not be afraid.
SARAH J. MAAS
You belong to all of us, and we belong to you.
SARAH J. MAAS
'A Court of Thorns and Roses,' big surprise, was inspired by music. By actually listening to...
SARAH J. MAAS
My parents told me any and every fairy-tale from all around the world. I usually gravitated towards ...
SARAH J. MAAS
...are you as deft at handling your sword as Captain Westfall?"
"Better," he whispered in her e...
SARAH J. MAAS
War is sanctioned murder, no matter what side you're on.
SARAH J. MAAS
There was no force in any world that could keep her contained.
SARAH J. MAAS
So I’m your huntress and thief?” His hands slid down to cup the backs of my knees as he said wit...
SARAH J. MAAS
I didn’t think saying good-bye would be so hard. And with everything that’s to come—
We�...
SARAH J. MAAS
And because she was young, and so damn clever and amusing and wonderful, wherever she made her home,...
SARAH J. MAAS
There had never been any line between them, only his own stupid fear and pride. Because from the mom...
SARAH J. MAAS
Celaena was the lost Queen of Terrasen.
Chaol sank to his knees.
SARAH J. MAAS
I don't think you realize who you're dealing with."

The man clicked his tongue, "If you w...
SARAH J. MAAS
That gods-damned nightgown.
SARAH J. MAAS
Not consort, not wife. Feyre is High Lady of the Night Court. My equal in every way; she would wear ...
SARAH J. MAAS
I want to take my time with you - to learn … every inch of you. And this apartment has very, very ...
SARAH J. MAAS
My name is Aelin Ashryver Galathynius. And I am the Queen of Terrasen.
SARAH J. MAAS
He locked you up because he knew—the bastard knew what a treasure you are. That you are worth more...
SARAH J. MAAS
But then she snapped your neck.”
Tears rolled down his face.
“And I felt you die,” ...
SARAH J. MAAS
I want them to hear your story. And know that there is a special strength..." As I spoke I realized ...
SARAH J. MAAS