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Of the $ 21.1 billion increase in energy commitments , $ 16.1 billion was attributable to FBOs , resulting in a 23.5 percent classification rate in energy commitments . In developing and refining loan policies , some institutions specify " guidance minimums " for financial performance ratios applying to certain types of loans or borrowers ( e.g ., commercial real estate ) . I've done a little looking , but I ca n't find out which symbol was assigned to intellectuals interned in concentration camps . And is science - - which , after all , requires intelligence and hard work to comprehend its deeper mysteries - - trivialized by its widespread utility as a narrative tool ? Aware that his company was in danger of being taken from him by the Nazis , Otto Frank transferred ownership to Gentile co-workers and began to make plans to go into hiding . The second largest increase in classifications was attributable to the oil , gas , pipelines and utilities industries , with a $ 12.7 billion increase and a classification rate of 7.5 percent , compared to 1.9 percent the year before ( see Appendix B ) .