elle
4.7K posts

elle
@eldoubleou
bismillah s2 full beasiswa di jerman itu

- Body dysmorphia. Ironically, the longer you go to the gym, the more you “hate” your body. Deep down, you know you are incredibly hot, but the body dysmorphia always wins. - Laundry. You basically start doing laundry almost everyday of your life. - It gets to a point you become mentally dependent on this gym. You skip 3 days in a row and it feels like you are about to run màd. - You begin to over analyze every meal. And you feel so guilty for having too much fun with food, even on your cheat days.

@mudahtertawa_ Terlepas salah nya si cowo, kok si cewe jg mau diajak main sama cowo?








Super interesting! "Financial Liberalizations, Booms, and Crashes" by Maximilian Grimm, Moritz Schularick, and Emil Verner. "Financial liberalization is often seen as a way to deepen credit markets and stimulate economic growth, but it may also fuel credit booms that end in crisis. We construct a new cross-country database of banking regulation policies covering 21 regulatory indicators for 18 advanced economies since World War II. We distinguish liberalizations that directly relax constraints on credit supply from broader financial reforms. Liberalizations that directly affect credit supply lead to substantial expansions in private credit. Credit expansion is concentrated in non-tradable sectors and is not accompanied by higher interest rates or credit spreads in the short run, consistent with an outward shift in credit supply. Real GDP rises over the following 2 to 4 years, but the gains are temporary. On average, GDP returns to trend in the medium run, and there is an increase in the risk of financial crisis and worse downside growth outcomes. Only liberalizations that directly expand credit supply generate these boom-bust dynamics. Based on these estimates, financial liberalization is welfare-improving for coefficients of relative risk aversion below 7.2, a moderately high value." papers.ssrn.com/sol3/papers.cf…

blio ini bener bener ngikutin kata otak 😭😭😭














