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Day 7: Free vs. Proprietary Code and Content
document IMAGES-007-HOUSE_OVERSIGHT_024267.txt Sep 27, 1983 House Oversight Committee — Epstein Estate Records (Nov 2025)

…g System: https://www.qnu.org/philosophy/categories.html archived at https://oerma.cc/HH79-6YVX. Jonathan Zittrain, The Future of the Internet and How to Stop It. New Haven: 2008 https://dash.harvard.edu/bitstream/handle/1/4455262/Zittrain Future%200f%20the%201 nternet.pdf?sequen...

February 16, 2017
document TEXT-001-HOUSE_OVERSIGHT_026668.txt Feb 16, 2017 House Oversight Committee — Epstein Estate Records (Nov 2025)

…ns, risks and uncertainties which may cause actual results, performance or achievements to be materially different from future results, performance or achievements expressed or implied by such forward-looking statements. Forward-looking statements, and the expectations and views...

I first met Frank Wilczek in the 1980s, when he invited me to his home in Princeton to
document IMAGES-004-HOUSE_OVERSIGHT_016858.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…. “Look for the house with no driveway.” So there I was, a few hours later, in Einstein’s old living room, talking to a future recipient of the Nobel Prize in physics. If Frank was as impressed as I was by the surroundings, you’d never guess it. His only comment concerned the dif...

This is a little unorthodox, but here is the text of an internal note that I just sent to our integr
document TEXT-001-HOUSE_OVERSIGHT_025229.txt Aug 4, 2011 House Oversight Committee — Epstein Estate Records (Nov 2025)

…ation that entails. Note that the CBO assumes growth rates of 3.0% to 3.6% over the next few years in their analyses of future US federal debt levels. 3. Do not blame today’s events on the debt ceiling debate, US politicians or European regulators. If we get to the point where ec...

Financials: buy XLF call spreads
email IMAGES-001-HOUSE_OVERSIGHT_011281.txt Nov 22, 2016 House Oversight Committee — Epstein Estate Records (Nov 2025)

…14. Large long-only funds are more underweight Financials than any other sector and are UW this sector in all regions. Future of Financials conference hosted 90 public and private companies at our Future of Financials conference. We are raising our price objectives across most o...

Cannabis Industry Risk Factors
document IMAGES-008-HOUSE_OVERSIGHT_024801.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…ions related to cannabis are subject to expiration, rescission and other changes. There can be no assurance that in the future the federal government will not strictly and aggressively enforce cannabis-related CSA provisions. ¢ If CSA controls applicable to cannabis are relaxed...

Chart 3: Saudi Arabia proven crude oil reserves Chart 4: Saudi Arabia proven gas reserves
document IMAGES-003-HOUSE_OVERSIGHT_016121.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…ree aspects of energy policy to consider going forward Energy sector privatization is likely to raise questions on the future path of energy policy, though we believe the latter will stay the course for now. We believe that are three aspects that are central to energy policy in...

dependent on what happens with deposit costs. SNV’s current sensitivity analysis
document IMAGES-002-HOUSE_OVERSIGHT_014342.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…hat he would not be surprised if NCOs increased to 15-20bp in 2017 (cons: 12bp) and stay near those levels for the near future. = Management reiterated its intent to continue to deploy excess capital. Although SNV will disclose a more detailed capital plan in January, management...

Custodian of the Two Holy Mosques King Salman bin Abdul-Aziz Al Saud - may Allah protect him - has
document IMAGES-007-HOUSE_OVERSIGHT_023657.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…u Highness the Prince, the open war on Houthi in Yemen, will it last? - No one wants to continue the war. * What is its future in your opinion? - No doubt that when the war had there was no option for the Kingdom of Saudi Arabia, it is a must to do it, or the other will be the s...

Cullen/Frost Bankers Inc (CFR)
document IMAGES-002-HOUSE_OVERSIGHT_014381.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…areas, such as bank loan funds, high yield and longer-duration munis. Upside risks are improving performance, flows, or future traction from EV's ETF licensing initiative. FCB Financial Holdings, Inc (FCB) We use a three-factor valuation framework (P/TBV, P/E, DCF) to arrive at...

executing any short idea contained in this report
document IMAGES-002-HOUSE_OVERSIGHT_014395.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…ofA Merrill Lynch, through business units other than BofA Merrill Lynch Global Research, may have issued and may in the future issue trading ideas or recommendations that are inconsistent with, and reach different conclusions from, the information presented in this report. Such i...

EBITDA, Adjusted EBITDA and Adjusted EBITDAR (including pro forma presentations thereof) and the
document IMAGES-007-HOUSE_OVERSIGHT_024448.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…nsider it appropriate. In addition, in evaluating Adjusted EBITDA and Adjusted EBITDAR, you should be aware that in the future we may incur expenses similar to the adjustments in the presentation of Adjusted EBITDA and Adjusted EBITDAR. Our presentation of Adjusted EBITDA and Adj...

diplomacy by the CPC Central Committee with Comrade Xi Jinping at the
document IMAGES-009-HOUSE_OVERSIGHT_026860.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…na’s current diplomatic establishment into a more invigorated, imaginative, creative, even forceful effort to shape the future global rules-based order more in China‘s image, rather than China being the permanent “price -taker” for rules already determined elsewhere by others. Pa...

Wolff Book
email TEXT-001-HOUSE_OVERSIGHT_030989.txt May 29, 2019 House Oversight Committee — Epstein Estate Records (Nov 2025)

…ump and a Russian oligarch. Michael Wolff's forthcoming book, "Siege," details the 2004 property deal that involved the future president, Deutsche Bank, a child predator and an ally of Russian president Vladimir Putin, reported The Guardian. HOUSE OVERSIGHT 030989 ADVERTISING Acc...