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WTO: The abbreviation for World Trade Organization, which is an international organization that oversees multilateral trade among nations. The WTO was established in 1995 by the Uruguay round of trade negotiations to replace the General Agreement on Tariffs and Trade (GATT) that had been in place for the preceding five decades. The WTO administers multilateral trade agreements, provides a forum for trade negotiations, handles trade disputes, monitors national trade policies, and provides technical assistance and training for developing countries. The WTO has about 150 member countries.

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THRIFT INSTITUTIONS

Non-profit depository financial institutions that were originally established to provide limited banking services, often to specific groups, that were not adequately offered by traditional banks. The three primary thrift institutions are credit unions, savings and loan associations, and mutual savings banks. In recent decades these thrift institutions have broaden the range of financial services, especially offering checkable deposits, and thus operate as banks. In particular, that come under the same monetary policy regulation as traditional banks.

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Today, you are likely to spend a great deal of time browsing through a long list of dot com websites hoping to buy either income tax software or a how-to book on the art of negotiation. Be on the lookout for defective microphones.
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Helping spur the U.S. industrial revolution, Thomas Edison patented nearly 1300 inventions, 300 of which came out of his Menlo Park "invention factory" during a four-year period.
"As is our confidence, so is our capacity. "

-- William Hazlitt, essayist

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