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We find that ownership shares increase with net worth and decrease with firm risk , and that effort increases with ownership , consistent with models of moral hazard . In particular , institutions should monitor and evaluate the actual default or loss experience of loans in each risk grade as one means to assess the consistency and reliability of the ratings being assigned . After the Russian Revolution of 1917 , Ukraine won a brief independence and many believers abandoned the Russian Patriarchate for the Ukrainian church . " There is a lot of historical irony given the fact that the Kiev Patriarchate was the mother church of the Moscow church , " says Serhil Plokhy of the Ukrainian church studies center in Edmonton . Posters are again reminded that if they are unable to post their own arguments and must rely on spam or lengthy quotations then they probably do n't have anything very original to say in the first place . In the first place , it was difficult to get rid of certain items . On the positive side , classifications in the professional , scientific and other services industry fell by $ 3.9 billion , and classifieds for financial services and insurance industries declined by $ 3.0 billion . The thread of their argument was unclear , but the man was shouting about Moscow and about efforts by the Russian Orthodox Church to dominate the Ukrainian church .