Both BAL and BAC mean the same thing. BAL is the ratio of the alcohol to blood in the body, and is usually calculated as a percentage. The legal limit for driving while intoxicated in most states is 0.08% (0.10% in some states, and 0.02% for minors). BAL/BAC is not the number of drinks a person consumes.
Company Overview. Morgan Stanley is a financial service company was founded in September 16, 1935. The multinational company operates in 42 countries with more than 60,000 employees in 1300 offices. The American based company was founded by Henry S. Morgan, Harold Stanley and has its headquarters in New York City, United States.
Customer's Rating: In 2009 Morgan Stanley, one of the largest full-service brokerage companies in the U.S., took full control of Smith Barney. In 2012 Morgan Stanley announced that its U.S. wealth management business, Morgan Stanley Smith Barney, has been renamed Morgan Stanley Wealth Management (MSWM).