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					FRB: Humphrey-Hawkins Report, February 17, 2000
				
			
			
		change; it is notable in this regard that grocery store sales were up ...change. Many large businesses reportedly invested most heavily in new URL: https://www.federalreserve.gov/boarddocs/hh/2000/february/ReportSection2.htm
 
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					FRB: Beige Book--San Francisco--October 17, 2007
				
			
			
		changes in overall labor costs. Wage pressures continued to ease in Southern...changing credit terms and conditions in the subprime-mortgage market. URL: https://www.federalreserve.gov/fomc/beigebook/2007/20071017/12.htm
 
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					FRB: Beige Book - Boston
				
			
			
		changed since the first of the year. Looking forward, most contacts say...changed for the most part, and some equipment and machinery prices continue URL: https://www.federalreserve.gov/fomc/beigebook/1999/19990505/1.htm
 
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					FRB: Beige Book - San Francisco
				
			
			
		change in loan demand or credit quality. Business Sentiment District respondents...changed in recent months, although contacts expressed some concern about URL: https://www.federalreserve.gov/fomc/beigebook/1999/19990922/12.htm
 
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					FRB:Speech, Bies--Developments in financial markets and financial management--September 30, 2004
				
			
			
		Remarks by Governor Susan Schmidt Bies At the Bond Market Association's Regional Bond Traders and Sales Managers Roundtable, Irving, Texas September URL: https://www.federalreserve.gov/boarddocs/speeches/2004/20040930/default.htm
 
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					FRB: A Perspective from Main Street: Long-Term Unemployment and Workforce Development - Developing the Labor Force Supply
				
			
			
		changes in the matching efficiency of the labor market. An example of ...change which creates a gap between the skills needed for open vacancies URL: https://www.federalreserve.gov/communitydev/developing-the-labor-force-supply.htm
 
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					FRB: Beige Book--Summary--January 13, 2010
				
			
			
		change and/or mixed conditions. Most Districts reported that consumer ...changed little since the last Beige Book, and residential construction URL: https://www.federalreserve.gov/fomc/beigebook/2010/20100113/default.htm
 
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					FRB: Revised Capital Framework, Dodd-Frank Act Stress Test 2014: Supervisory Stress Test Methodology and Results March-2014
				
			
			
		changes required by the Dodd-Frank Act (revised capital framework).34 ...changes to the capital ratios associated with the phase-in of the revised URL: https://www.federalreserve.gov/bankinforeg/stress-tests/2014-revised-capital-framework.htm
 
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					FRB: Speech, Meyer--Monetary policy objectives and strategy--September 8, 1996
				
			
			
		change in structure that will persist. Tempering some of the optimism ...change, for example, in part a passing through to workers of the slower URL: https://www.federalreserve.gov/boarddocs/speeches/1996/19960908.htm
 
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					FRB: Speech, Phillips -- Accounting and auditing standards and bank supervision -- October 24, 1996
				
			
			
		change as a result. Indeed, many feel that the increased complexity of...changes in accounting and disclosure requirements. Second, new statutes URL: https://www.federalreserve.gov/boarddocs/speeches/1996/19961024.htm
 
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