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residual biomass. The US' 75 ethanol refineries produced a record 2.8 bn gallons in 2003. At least 12 new ethanol refineries are being built in the US. This is largely attributable to the development of more efficient enzymes, advances in genetically modified maize, and government subsidies. Approxi
Europe is estimated to have reached 110,000 oz in 2003, up by 22%. In volume terms, the largest rise in recovery was in the US, where the estimated recovery of platinum jumped by 45,000 oz to 425,000 oz. Recovery also increase in Japan and the Rest of the World, but total collection volumes in these
## Abstract With some regions of the UK containing areas where the ethnic minority population has grown to become the ethnic majority, both personal and business banking needs of these communities provide areas of potential growth for financial institutions. Previous research has indicated that cer