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[Darnell Rempe]

Thisreport looks at the roughly 18 million Americans, or about 7 percent of the adult population, who were veterans of the U.S. Armed Forces in 2018. Ranging from 18 to over 100 years old, they served in conflicts as diverse as the Korean War and the Global War on Terrorism. This report provides an overview of these men and women, such as how many veterans alive today served in World War II, the characteristics of Vietnam veterans, and how many Gulf War veterans are disabled. The report primarily uses data from the 2018 American Community Survey to describe the demographic, socioeconomic, and health characteristics of veterans by their period of service in the armed forces.

Click on Custom Country. A new box will open. Click on the desired countries listed in the country selection panel. Enter the group name in the Enter Group Title box and click on Add. The new country group will be added to the right panel.

Now you can add new countries or remove the countries to an existing customized group. 1. Click on the additional countries listed in the country selection panel. 2. To remove the country from the group double click on the country or select the country and click Remove button. 3. Click on Add to save changes to your customized group. Note: Editing the group name will create a new custom group. You can remove the customized group by clicking on the Delete button in the current selection panel in right side

myDataBank allows you to derive your own Custom Indicators from existing series.

Click on Custom Indicators. Choose input indicators by clicking on the desired series in the panel and use the calculator functions to construct your custom indicator formula.

For example, for a series that shows the percentage of female population, double-click on the series Population, Female. Then create a formula by clicking*100/ from the key pad. Then double click on the series Population, Total.

After the formula is complete, you can verify its syntax by clicking the "> Validate icon. Give a name to your custom indicator and click on Add.

Similarly you can create custom indicators such as GDP per Capita as GDP/Population, and annual growth rates for population as AGR(Population, Total), etc. To have "not available" values in the database treated as zero within your formula, use the NA function.

The Nation's Forum recordings were made between 1918 and 1920 in an effort to preserve the voices of prominent Americans; in most cases, they are the only surviving recordings of a speaker. The project originated with St. Louis attorney Guy Golterman (1879-1967), an active supporter of the opera and other performing arts. With the endorsement of the Department of State's Committee on Public Information -- a governmental propaganda ministry -- the Nation's Forum sought speakers, and the Columbia Graphophone Company pressed and distributed the recordings under the Nation's Forum label.

The recordings fall into two distinct series. The 1918 series was devoted mostly to World War I topics and was apparently distributed only to political organizations and other groups. The notable exception is the recording of General John Pershing (with Ambassador James Gerard speaking on the reverse side), which was sold commercially. All of the recordings from the 1918 series were pressed on ten-inch discs. The 1919-1920 series was devoted mostly to postwar issues and the 1920 presidential election. Recordings in this series were released at a rate of two per month, one Republican and one Democrat. The recordings were pressed on twelve inch discs and sold for two dollars each. With two exceptions, the reverse side of the records in both series consisted of patriotic music, usually a march. These selections are not duplicated here.

The Nation's Forum project may also have planned to record foreign statesmen. The collection includes three speeches by Eamonn DeValera, who led the fight to establish the Republic of Ireland. At the time of the recordings, DeValera had escaped from an English prison and was living in exile in the United States. The label of one DeValera recording states that with the sale of each album, a royalty of twenty-five cents would be paid to Dil ireann, the revolutionary Irish Parliament.

The speeches included in the Nation's Forum collection are not actuality recordings -- recorded at the time of their original delivery. Instead, speakers were invited to repeat their significant orations for the Nation's Forum project at a location convenient to the particular speaker. All of the Nation's Forum recordings were acoustically made. Until the development in the mid-1920's of electrical recordings -- recording aided by microphones and electrical amplifiers during the recording process, and electrical amplification and loudspeakers for playback -- all sound recording processes were acoustic. The diaphragm and needle cutting an acoustic record were powered only by the force of a voice. A speaker making a record had to shout into a recording horn to successfully record. Thus, almost no speeches recorded in the acoustic era are actuality recordings. All of the speeches recorded for the Nation's Forum were delivered solely for the recording machine, without a public audience. Since phonograph records in this period were limited to about three minutes, someone -- presumably the speaker -- abridged or selected highlights from longer speeches. Some speeches are represented by two or three very similar takes.

The total number of recordings made by the Nation's Forum is unknown. The Library of Congress holds fifty-nine examples in a collection that has been assembled over a period of years from a variety of donors and record collectors. Of the fifteen 1918 recordings at the Library of Congress, the Pershing/Gerard record is an original shellac disc, eleven records are modern vinyl test pressings struck from original masters, and two recordings are audio tape dubs. Of the forty-four recordings from the 1919-1920 series at the Library of Congress, twenty-four are original shellac discs, seventeen are modern vinyl test pressings struck from original masters, and three are audio tape dubs.

The IBRD Flexible Loan (IFL) is the leading loan product of the World Bank for public sector borrowers of middle-income countries. Eligible borrowers work with their World Bank country office to obtain financing for development through Investment Project Financing, Development Policy Financing, Program-for-Results, or any combination of those by a Multiphase Programmatic Approach, and use the IFL as their loan product.

IFL's maximum final maturity is 35 years, including a grace period. The maximum weighted average maturity or average repayment maturity (ARM) is 20 years. For some projects addressing Global Challenges with Cross Border Externalities, the maximum loan maturity is extended to up to 50 years and the ARM up to 25 years.

The interest rate consists of a market-based variable reference rate and a variable spread1. A one-time front-end fee of 0.25% is charged on the committed loan amount, and a commitment fee of 0.25% per annum paid semi-annually is charged on the undisbursed balances, which begins to accrue sixty days after the loan agreement is signed. Countries are classified into four pricing groups based on income and other factors. Please refer to the IBRD Flexible Loan Pricing Basics product note for information on IBRD USD, EUR, JPY, and GBP lending rates and charges or consult our Lending Rates & Fees.

The IBRD Flexible Loan (IFL) allows borrowers to customize repayment terms (i.e., grace period, repayment period, and amortization profile) to meet debt management or project needs. For example, if the objective is to reduce the overall refinancing risk of the debt portfolio, a borrower may choose repayment terms that smooth out the debt service profile. This flexibility can also be used in investment operations to match repayment terms to a project's expected cash flows. Borrowers can find the most up-to-date information on IBRD Flexible Loan in the Major Terms and Conditions product note.

The IFL includes conversion options to manage currency and/or interest rate risks over the life of the loan. These options are embedded in the loan agreement and can be executed at a borrower's request at any time. In line with their debt management strategy requirements or changing market conditions, IFL borrowers have the option to change from a floating reference rate to a fixed reference rate or vice versa. The IFL also offers the flexibility of using interest rate caps or collars to manage interest rate volatility. Similarly, IFL provides a currency conversion option for hard currencies as well as specific local currencies.

To prepare for the IFL, World Bank project manager, the World Bank country office, and the borrower's representative in charge of selecting financial terms, review the preparatory package to choose the suitable financial terms. The package consists of the Loan Choice Worksheet (LCW), instructions for the LCW, and an informational letter to the borrower with a more detailed explanation of the options available. The worksheet serves as the basis for the preparation of the applicable draft legal documentation.

Borrowers can tailor the repayment schedule of IBRD loans to meet specific project or portfolio needs. Determine if the customized schedule falls within IBRD maturity limits (20 years average repayment maturity and 35 years final maturity) using the Amortization Schedule Analyzer (ASA) available through Client Connection.

The IFL1 includes conversion options to manage currency and/or interest rate risks over the life of the loan. These options are embedded in the loan agreement and can be executed at a borrower's request at any time.

To request a loan conversion, borrowers must refer to the Bank Directive and Bank Guidance (obtainable through contacting f...@worldbank.org) on conversions and fill out the relevant conversion request form(s) below, and send it to loanclien...@worldbank.org.

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