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The owner education variable , which is also significant in both the pension and health insurance models , could also be a proxy for the availability of general information about the importance of fringe benefits . An association of nearly 300 scientists and engineers spread across 45 project teams and coordinated by the Office of Naval Research is about a year and a half into a five-year , $ 11 million effort to determine what it will take to build such a system . We find a positive correlation between small business leverage and leverage of publicly traded firms within same industry , which finding we view as support of the static trade-off theory . This document must be printed out upon completion and faxed to the Compliance Data Section . Of note is the increasing volume of term loans with nominal amortization required prior to maturity and loosened financial loan covenants such as leverage and fixed charge coverage ratios . This document must be printed out upon completion and faxed to the Air Compliance Branch . The video-game concentration , first offered last year , has quickly gained in popularity and has about 40 majors , Etheredge said .