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Higher yields leading to bank, insurance outperformance
document IMAGES-002-HOUSE_OVERSIGHT_014427.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Higher yields leading to bank, insurance outperformance over REITs The Japanese equity market correction managed to last just for one day after the US election. The insurance sector has been the best performer since the US election on the back of a steeper US Treasury curve and...

Chart 39: How do you view fundamentals for multifamily lending in 2017?
document IMAGES-002-HOUSE_OVERSIGHT_014341.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Chart 39: How do you view fundamentals for multifamily lending in 2017? 30% 27% 27% 27% 29% 20% 15% 10% 7% 5% 0% 13% Softening Softening Softening | Someconcern, but No concern fundamentals fundamentals fundamentals only in certain should leadto shouldleadto = shouldleadto _—...

8. US Stocks with High China Sales vs. S&P 500
document IMAGES-009-HOUSE_OVERSIGHT_026917.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

8. US Stocks with High China Sales vs. S&P 500 106 - - -— US Stocks with High China Sales vs. S&P 500 104 | 102 | “4 fy t as ‘ vey ' 4 1A, 4} ‘ fet 4 i} ww aA, o 100 LY i= Wwe t 4 BY = wpa U ! 6 ’ 17 ' E 98 | ! \ ° a i £ 4“ 2 96 | “OLA An o \ 1 eee » a en ed ss A \}’ an gv 94 4...

Analyst Certification
document IMAGES-003-HOUSE_OVERSIGHT_014495.txt Dec 1, 2016 House Oversight Committee — Epstein Estate Records (Nov 2025)

Analyst Certification |, Ronan Carr, CFA, hereby certify that the views expressed in this research report accurately reflect my personal views about the subject securities and issuers. | also certify that no part of my compensation was, is, or will be, directly or indirectly, re...

Chart 8: Google ex-FX Y/Y growth trends
document IMAGES-003-HOUSE_OVERSIGHT_014898.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Chart 8: Google ex-FX Y/Y growth trends 30% 25% 24%p9y% 24% 22% 20% 15% 10% 5% 0% 2Q17E 3Q17E 4Q17E @ Total Google Revenue Y/Y (ex-FX) m= Google Website Y/Y (ex-FX) Source: Company reports, BofA Merrill Lynch Global Research For core margins, we assume y/y contraction thro...

How the Best Universities Inadvertently Ruin Our Schools 193
document IMAGES-007-HOUSE_OVERSIGHT_023939.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

How the Best Universities Inadvertently Ruin Our Schools 193 status. Teaching future professors in one’s own field helps maintain that status, so graduate students pursuing Ph.D.s are quite often taken very seriously. Teaching graduate seminars is intellectually stimulat- ing, m...

Text 001 House Oversight 028453
document TEXT-001-HOUSE_OVERSIGHT_028453.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…knights-gambit-by-william-faulkner/9780307946799/","range":{"length":15,"start":29},"type":"link"},{"URL":"https://timesmachine.nytimes.com/timesmachine/1949/11/06/84228885.pdf?partner=applenews&ad-keywords=APPLEMOBILE&region=written_through&asset_id=100000006123279","range":{"le...

Chart 3: Saudi Arabia proven crude oil reserves Chart 4: Saudi Arabia proven gas reserves
document IMAGES-003-HOUSE_OVERSIGHT_016121.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Chart 3: Saudi Arabia proven crude oil reserves Chart 4: Saudi Arabia proven gas reserves bribbi mSaudi Aramco = Others tn cf eSandidvanos withers 0 300 ont 250 THe 250 200 200 150 4 Tl 150 100 100 + 50 50 N wore wr re @oOrmevwveeanvwwseaorews*tro @ SO oe @Srre OwnrTr Oey OMMWMse...

increase its defense spending. Under Prime Minister Abe, the defense budget has
document IMAGES-002-HOUSE_OVERSIGHT_014419.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

increase its defense spending. Under Prime Minister Abe, the defense budget has expanded by 7% but has been kept at roughly 1% of GDP, in keeping with historical guidelines. This is small by international standards and more likely than not will rise in the coming years (Chart 24}...

welcome-to-kink-research. html
document IMAGES-004-HOUSE_OVERSIGHT_018444.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

welcome-to-kink-research. html In 2012, Bitch Magazine ran a series called "Thinking Kink" by Catherine Scott, which examines S&M and culture from a feminist perspective: http://www.allthatchas.blogspot.co.uk/2012/08/all-of-my-thinking-kink-posts-for- bitch. html In Person If...

Why Invest in Indexes?
document IMAGES-001-HOUSE_OVERSIGHT_011097.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Why Invest in Indexes? The last section showed that index funds offer easy trackability over market hours. What are the other pros and cons? On sound microeconomic principle, professional asset management will add value over index results before deduction of fees. Otherwise th...

Chart 42: How do you view SNV’s partnerships with online lenders (SoFi/GreenSky)?
document IMAGES-002-HOUSE_OVERSIGHT_014343.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Chart 42: How do you view SNV’s partnerships with online lenders (SoFi/GreenSky)? 70% 60% 50% 40% 30% 20% 10% 0% Positively. Creates another Cautiously. Unsure how these Indifferent. The exposure is avenue for loan growth loans will perform duringa —_ relatively small so does n...