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.
It is the wealth & asset management division of Morgan Stanley. On January 13, 2009, Morgan Stanley and Citigroup announced that Citigroup would sell 51% of Smith Barney to Morgan Stanley, creating Morgan Stanley Smith Barney, which was formerly a division of Citi Global Wealth Management. The combined brokerage house has 17,649 financial advisors and manages $2 trillion in client assets.