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the other efficiency ratio was in net profit, because it had expenses and the expense ration is an efficiency ratio. since net profit was decreasing, this meant that efficiency had declined leading to a fall in working captial

generally speaking the three main things that ppl do on on schoolies is: 1. drink alot 2. fuck alot.. if not that then close enough 3. have a great time so yeah its not really a misconception... some ppl actually loose their virginity on the cruise and some ppl i knew from previous years did...

hooters eh? well well well... arent we the predicament.... did u hear this girls... the ones with the biggest hooters get free drinks, how very insulting. i thought the st greg boys were men of decency... care to refute?

hey loz its bron i saw those st greg boys on tv and they were mighty fine.. so what schools are going on the cruise? i have already, our school, OC, MLC, MCK, epping boys, randoms from newcastle, northern beaches and illawarra way. Oh and how could i forget St Gregs, could'nt have been more...

hey i was wondering..if anyone was going on the 20th november schoolies cruise?