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interest tax shield later in this report). Deleveraging balance sheets may also be spurred
document IMAGES-007-HOUSE_OVERSIGHT_023078.txt Jan 17, 2017 House Oversight Committee — Epstein Estate Records (Nov 2025)

…BofA Merrill Lynch US Equity & US Quant Strategy Chart 9: Net Debt/EBITDA for the S&P 500 ex Financials (and excluding Energy and Tech) 35 3.0 25 2.0 15 10 8 88 90 92 94 96 98 00 02 04 06 08 10 12 14 16 oo S&P 500 ex Financials w= S&P 500 ex Fins. & Energy ---— Avg. oo=...

more receptive to sexual energy. It's not that BDSM is exactly a sexual turn-on in itself
document IMAGES-005-HOUSE_OVERSIGHT_018541.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

more receptive to sexual energy. It's not that BDSM is exactly a sexual turn-on in itself; sometimes it is, but that's actually surprisingly rare. Yet BDSM often... gets my blood flowing?... and seems to "open the floodgates,” so sexual hormones can storm through my body. And ju...

Cullen/Frost Bankers Inc (CFR)
document IMAGES-002-HOUSE_OVERSIGHT_014381.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…017E tangible book. Both multiples are lower than peers for CFR due to EPS headwinds and rising credit costs from lower energy prices. For our DCF analysis, we use a net income growth of 3.0% and assume a beta of 1.0 in the terminal stage. Upside risks to our PO: a sharp rebound...

In Israel, Time for Peace Offer May Run Out
document TEXT-001-HOUSE_OVERSIGHT_025610.txt Apr 2, 2011 House Oversight Committee — Epstein Estate Records (Nov 2025)

…hem. Government-dependent sources of revenue will have to be dismantled, as will monopolies, to release entrepreneurial energy. There will have to be states that guarantee public and social freedoms for all, so that workers have rights, and the states will have to be accountable,...

Esa Origins 7 February 24 — 26, 2017
document IMAGES-003-HOUSE_OVERSIGHT_014713.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Esa Origins 7 February 24 — 26, 2017 PROJECT An Origins Project Scientific Workshop Challenges of Artificial Intelligence: Envisioning and Addressing Adverse Outcomes ARIZONA STATE UNIVERSITY 6) DEEP SOCIETAL INFLUENCES Al, Agency, and Disempowerment (Contributions from Gire...

Federal Register/Vol. 76, No. 168/Tuesday, August 30, 2011/Rules and Regulations
document IMAGES-006-HOUSE_OVERSIGHT_022291.txt Aug 30, 2011 House Oversight Committee — Epstein Estate Records (Nov 2025)

54020 Federal Register/Vol. 76, No. 168/Tuesday, August 30, 2011/Rules and Regulations 75 FR 80418-80419 (footnote omitted). The Board received a few suggestions for changes to the introduction of the notice. The first comment suggests including language stating that employees...

Blanche Lark Christerson
document TEXT-001-HOUSE_OVERSIGHT_019440.txt Sep 30, 2014 House Oversight Committee — Epstein Estate Records (Nov 2025)

Blanche Lark Christerson Managing Director, Senior Wealth Planning Strategist Tax Topics 2014-01 01/29/14 And the beat goes on… Last fall’s 16-day government shutdown ended with legislation that President Obama signed in the wee hours of October 17 th . Under that legislation, a...

Mr. Dershowitz agrees to make his client, Jeffrey Epstein, and others with relevant
document IMAGES-003-HOUSE_OVERSIGHT_015652.txt Jan 12, 2016 House Oversight Committee — Epstein Estate Records (Nov 2025)

Mr. Dershowitz agrees to make his client, Jeffrey Epstein, and others with relevant testimony and with whom he has testified he shares a “common interest” — at least Epstein and Maxwell — available to any law enforcement agency reviewing any alleged criminal activities; or in the...

@ dadle Cause Affidavit r )
document IMAGES-005-HOUSE_OVERSIGHT_018898.txt Oct 3, 2005 House Oversight Committee — Epstein Estate Records (Nov 2025)

@ dadle Cause Affidavit r ) Palm Beach Police Department Agency ORI# FLO 500600 when he was going to travel to Palm Beach. PE said when Epstein announces to his assistant, MS that he is traveling to Palm Beach, BR would then contact | arrange girls to “work” for Epstein. f stat...

GIS’s mediation services to resolve Freedom of Information Act
document IMAGES-008-HOUSE_OVERSIGHT_025855.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Resolving Disputes GIS’s mediation services to resolve Freedom of Information Act (FOIA) disputes, as mandated by Congress, comprised the bulk of OGIS’s work in FY 2013, as in the previous three years. Requests for assistance awaited Director Nisbet when she opened the Office, a...

Important Disclosures
document IMAGES-003-HOUSE_OVERSIGHT_014496.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Disclosures Important Disclosures FUNDAMENTAL EQUITY OPINION KEY: Opinions include a Volatility Risk Rating, an Investment Rating and an Income Rating. VOLATILITY RISK RATINGS, indicators of potential price fluctuation, are: A - Low, B - Medium and C - High. INVESTMENT RATINGS r...

vowed to preserve. Much better to gain leverage by producing low
document IMAGES-011-HOUSE_OVERSIGHT_031897.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…. Much better to gain leverage by producing low- enriched uranium — far from weapons grade — under International Atomic Energy Agency inspection and allow rumors to swirl. So Iran, long at the top of the Washington agenda, has slid down. It’s partly the Arab Spring. It’s partly...

The Financial Time
document IMAGES-011-HOUSE_OVERSIGHT_032186.txt Jun 24, 2011 House Oversight Committee — Epstein Estate Records (Nov 2025)

…4, 2011 -- Many of the world’s oil consuming nations, led by the US, shocked oil markets this week as the International Energy Agency agreed to release 60m barrels of oil from strategic reserves over the coming month. The move was intended to offset price pressures brought about...