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Why do some banks want to see an Operating Agreement before opening a business account?

They want to comply with banking regulations and policies, probably government regulation to avoid money-laundering and internal controls to protect the bank against various kinds of fraud. The bank does not care about your internal organization, only that the company is real and the person signing on the account has the authority. It's a silly box checking operation, because anybody could create and sign anything, if you really wanted to open a fake bank account for a fake company, this is not a real impediment. Of course, they probably have your driver's license and they know where you live, so at some point this would catch up with you.What I have seen LLCs do in this case (not "what you can do" — this is not legal advice, and I cannot advise a non-client or anybody in a public forum) is to prepare a short form operating agreement that is not (as) confidential.The more legit way to do that is to base it on your real operating agreement, and pass an LLC resolution saying that the members are authorizing a short form agreement for use with the bank, but that it will not supersede or replace the detailed terms from the main operating agreement. To be careful, this short form agreement would omit any integration clause or anything else would actually supersede the real agreement. The lazy way is just to find any old LLC operating agreement off the Interwebs, sign it, and give it to the bank.Once the bank has the short form LLC agreement you can pass / sign a new resolution saying that the short form LLC agreement is rescinded and of no further force or effect.Regardless, I doubt that it violates any confidentiality clause, nor is it a confidentiality risk, to give your operating agreement to the bank. First of all, if you have an agent then the agent is an extension of you, so you have not really disclosed anything to any party outside of yourself when giving the agent confidential information they need to fulfill their agency obligations. This is an implicit, explicit, or legal exception to confidentiality obligations. Secondly, the bank has strict confidentiality obligations and is not going to give your operating agreement to anybody, except perhaps government operatives, bank executives, their favorite customers, etc. But it's relatively safe anyway. Third, there's probably nothing in your operating agreement that is any monumental secret (*), and if there is you need a new operating agreement; the risk is slight.(*) A careful lawyer will not bake important confidential stuff into corporate documents. Corporate documents get disclosed from time to time, so if there is anything that shouldn't be disclosed it goes into a side agreement, or a corporate resolution.

Why aren't most screen resolutions solid resolutions such as 2000 × 1000 etc. instead of ones such as 1280 × 720 etc.?

This wasn’t always the case. We had TV, with analog resolution along the horizontal and 483* visible lines in North America and Japan, 576 visible lines in most other countries. There really weren’t pixels, yet, so we really didn’t think in those terms.Early DigitalThere were digital standards created to fit within these specs. NTSC video, such as that for DV cameras or DVD-Video discs was typically 720x480 pixels. Why those specific numbers?Mostly it was the various video compression standards mixed with analog resolution that set the digital standards. DV, MPEG-2, and other discrete cosine transform (DCT) based image compression algorithms work in part by transforming blocks of data from spatial image data to frequency domain data. Both of these used an 8x8 cell, so it made sense to keep the video resolution a multiple of 8. So it’s 90*8 x 60*8 for NTSC.Computer VideoComputers for ages generated digital video, of course. But they used analog display monitors. So the actual resolution of your display was limited by analog bandwidth of the monitor and the refresh rate you used, not really beholden to MPEG standards. However, in the analog days they tended to favor displays with a 4:3 aspect ratio, just like broadcast TV but higher resolution. For awhile I had two monitors on my then-big-PC desk at 1600x1200 resolution, fairly decimal-friendly numbers.The Grand AllianceSo the move to high definition TV brought together not just everyone in the TV industry, but everyone in many different industries. The computer folk wanted television to support computers directly, so consumers could get a good display without the need for an expensive monitor. And the film industry wanted a much wider screen, since they had films in numerous wide-screen formats, up to Cinemascope at 1:2.39.So everyone voiced their concerns. The image compression people wanted resolution in 16x16 multiples. The computer people were okay with widescreen, but really wanted 16:10 or so. The film people wanted a clean 2:1 aspect ratio. ESPN and other sports industry folk want 60 frames per second, the film industry wanted 24fps to match film speed, etc.This was all boiled down into the HDTV specs and the ATSC television broadcast system. There were all kinds of specs in there, but they settled on 1280x720 and 1920x1080, both 16:9 aspect ratio formats. You might note that 1080 is not evenly divisible by 16! In fact, for ATSC broadcast, Blu-ray encoding, etc. the actual frame size is 1920x1088, but the bottom eight lines are always blanked to maintain the 16:9 aspect ratio.Revenge of the Computer IndustryWith the Grand Alliance struck, the PC industry does what they always do: exactly what they wanted to do in the first place. So the early HD monitors were usually 16:10, with a resolution of 1920x1200. I had two of those that only recently bit the dust in a tragic monitor moving accident. But currently, I have two 2560x1440 monitors… 16:9. Why?Basically, while the PC industry wanted to go their own way, there was a very practical reason for not doing that: prices. When a monitor company could buy essentially the same TV LCD panel for their monitor, they paid a tiny fraction of the cost of a custom PC-industry panel. And the TV industry was pretty aggressive at getting rid old televisions, driven by the end of broadcast NTSC television in most of North America and similar things throughout the world. So demand for expensive 16:10 monitors faded, and most PC users went to 16:9 monitors.The Film IndustryLooking at the specs for digital film projection at the time of the Grand Alliance, the film industry had standardized on “2K” digital as their basic goal. That would mean an exact 2000x1000 pixels, the “2K” referring to the horizontal pixel count, of course. But even at that, they had to deal with different aspect ratios, just as they have for generations with film.So the film industry group the Digital Cinema Initiatives, LLC was formed to set standards. They created a basic 2048x1080 picture resolution for 2K film. You’ll note that HDTV fits in there as a 16:9 crop. A CinemaScope film is cropped 2048x858 for 1:2.39 presentation, 1:1.85 films get the “flat crop” format at 1998×1080, and 1:1.90 films use the full format. These are paralleled at 4K-class resolutions as well, with your home UltraHD as the 16:9 (1.1.78) variation.*In both PAL and NTSC, the broadcast signals include a fixed number of lines — 585 for NTSC, and a technically variable blanking interval that determines which lines might be seen, since some of these lines could not actually be displayed. In my various books on broadcasting, it’s 483 lines for NTSC, and that’s what we put out on the Amiga computer’s NTSC-compatible display, actually supporting up to 484 visible lines. Some references claim 486 lines here, which is of course possible on any NTSC display, but apparently not the broadcast standard. More modern broadcasts, the default screens on the Amiga computer, and DVD limited the resolution to 480 lines, as described.

Where can I find a list of distressed investing funds or managers?

Some of the AUM data and ranking data is dated, but as a pure list of credit hedge fund names, this isn't bad. Some are more involved in distressed credit than others. Below that is a list of funds by strategy w/ in each asset manager.By asset manager:By individual funds under each asset manager:Another supplementary list of distressed debt funds:1798 Global PartnersAAC GP LLCAbrams Capital Management LLCAdvantage Advisers Multi Manager LLCAdvent Capital ManagementAEGON USA Investment Management LLCAhab Capital Management LLCAlcentra IncALJ Capital ManagementAnchorage Capital Partners LP / Anchorage Advisors LLCAngelo, Gordon & CompanyApex Capital ManagementApollo ManagementAppaloosa ManagementArchview InvestmentAres Management LLCAristeiaArmory Advisors LLCArrow Investments IncArrowgrassAtalaya Cap. Mgmt.Audax Credit OpportunitiesAudax Group LPAurelius Capital ManagementAurora Resurgence Mgmt. PartnersAvenue Capital GroupBabson Capital Management LLC (David L. Babson & Co. Inc)Basso Capital Management L.PBaupost GroupBay Harbour ManagementBayside CapitalBeach Point Capital Management LPBeltway CapitalBennett Asset Management CorpBerens Capital FundsBlack Diamond Capital ManagementBlack River Asset Management LLC / CarVal Investors LLC (Cargill Inc)BlackEagle PartnersBlackport Capital FundBlackrockBlackstone GroupBlue Mountain Capital Management LPBlue Ridge (Blue Water) Capital Management LLCBlue River Asset ManagementBlue Wolf CapitalBlueBay Asset ManagementBlueCrest Capital Management LPBond Street CapitalBoone Capital ManagementBrencourt AdvisorsBridgehampton Capital Management LLCBrigade Capital ManagementBrookfield Asset Mgmt.Campbell GPCamulos CapitalCandlewood Investment Group, LPCanyon Capital Advisors LLCCape One Financial LLCCargill Value InvstmtCarl Marks & Co.Carlyle Strategic PartnersCarVal InvestorsCaspian CapitalCatalyst Investment Mgmt.Catalyst PartnersCaxton AssociatesCDK GroupCenterbridge CapitalCerberus Capital Management L.P / Madeleine LLC / Ableco Finance LLCCetus / LittlejohnChicago FundamentalCitadelCohanzick Management LLCColumbus HillCommonwealth Advisors IncConcordia Advisors LLCContrarian Capital ManagementCorsair Capital Management LLCCovalent Capital PartnersCourage Investments IncCQSCreedon Capital Management (Creedon Kelly & Partners)Cypress MgmtCyrus Capital PartnersD.B.Zwirn & Co. L.P.D.E.Shaw GroupDalton InvestmentsDavidson Kempner Capital Management LLC (MHD Management Co. LLC)DDJ Capital MgmtDeephaven Captial Management LLCDeerfield Capital Management LLCDel Mar Asset ManagementDelaware Street CapitalDeltec Asset Management LLCDKPR Wolf Point Mgm.tDKR Capital IncDrake Mgmt.Dreman Value Mgmt.Drucker CapitalDune Capital Mgmt.Durham Asset ManagementDW Investment Management, LP (Brevan Howard)Eagle Rock CapitalEight Capital Management LtdEJF Health Care GP LLCElliott AdvisorsEndurance Asset Management LLCEOS PartnersEpic Asset Mgmt.ESL Investments Inc (Edward Lampert)Eton Park Capital ManagementEverest Capital LLCEwing ManagementFairholmeFalcon Point CapitalFarallon Capital Management LLCFaxtor Securities BVFernwood Associates LTDFH International Financial Services IncFir Tree PartnersFirstCity Crestone, LLCForest Investment Management LLCForstmann Little & Co.Fortress Investment Group LLCFranklin Mutual RecFrontFour Capital Group LLCFulcrum Capital Mgmt.Fundamental Capital Management LLCFurther Lane SecuritiesGabriel Capital CorpGates Capital ManagementGlenview Capital ManagementGLG Partners, NAGlobal Credit AdvisorsGolden CapitalGoldenTree Asset Mgmt.Goldman Spec SituationsGores GroupGracie Capital LLCGradient PartnersGramercy Advisors LLCGramercy CapitalGravity Partners LPGreenhill Capital PartnersGreenlight CapitalGreywolf Capital Management LPGruss Asset ManagementGSC Capital (Greenwich Street Capital Partners)GSO Capital Partners LPGuggenheim Investment ManagementH PartnersH.I.G.H2 CapitalHain CapitalHalbis Capital Management USA IncHalcyon Partners LP / Halcyon Asset Management LLCHarbert Fund AdvisorsHarbert Management CorporationHarbinger Capital PartnersHarbour Town Funding LLCHarvest Management LLCHavens Advisors LLCHaymanHBK Investments LPHBV Capital ManagementHelios Capital ManagementHicks, Muse, Tate & Furst Inc.HIG Brightpoint Cap.Highbridge Capital Management LLCHighland Capital Management LPHudson Bay Capital ManagementHuizenga Capital Mgmt.IBS Capital CorpIcahn Capital Corp.Icahn Capital Corporation / Thornwood Associates LP (Controlled by Carl Icahn)Insight Investments LLCIntermarket CorporationInvescoIvory Investment ManagementJ.H. Whitney & Co.Jana Partners LLCJLL PartnersJMB CapitalJP Morgan Asset ManagementK Capital PartnersKarsch Global CreditKatonah Scott's Cove Cap. Mgmt.Kayne AndersonKD Distressed CapitalKellner DiLeo Cohen & Co., LLCKilimanjaro AdvisorsKing Street Capital Management LLCKistefos ASKKR FINANCIAL Holdings LLC / Kohlberg Kravis Roberts & Co. LPKnighthead CapitalKPS Special Situations FundKS Capital PartnersLampe, Conway & Co. LLCLatigo Partners LPLaurel Ridge Asset Management LP / Laurel Ridge PartnersLeucadia Nat'l Corp.Levco Debt OppsLevine Liechtman Capital PartnersLighthouse Investment Partners LLCLinden AdvisorsLitespeed Management LLC / Litespeed Partners LP / Litespeed Capital LLCLittlejohn & Co.Loeb Partners / Third Point ManagementLone Star PartnersLongacre Fund Management LLCLongroad Asset ManagementLuxor CapitalLydian Asset ManagementLyster WatsonMaglan CapitalMagten Asset Management CorpMarathon Asset Management LPMarblegate Asset ManagementMariner Investment Group LLC (Caspian Capital Partners)Marlin Equity PartnersMason Capital ManagementMatlinPatterson Global Advisors LLC / MatlinPatterson Capital Management LPMcDonnell InvestmentsMellon HBVMHR Fund Management LLC (Rachesky)Mill Rock Investment AdvisorsMillennium GlobalMillennium ManagementMillroad PartnersMittleman Brothers PartnersMJ Whitman Mgmt Co.Moab Capital Partners LLCMonarch Alternative Cap.Monomoy CapitalMoore Capital ManagementMorgens Waterfall Vintiadis & Co. IncMoriah Capital Management LPMount Kellett Cap. MgmtMSD CapitalMudrick Capital ManagementNew Generation AdvisersNewport Global AdvisorsNormandy Hill CapitalNorth Run PartnersOak Hill Capital Partners / Oak Hill Investment Managemetn LPOaktree Capital Management (OCM)Och Ziff Capital Management Group LLC / Och Ziff Friedheim / OZF Management LLCOctavian AdvisorsOnex Corp. / Onex Capital Management LPOnex Credit PartnersORE HILL PARTNERS LLCOutrider ManagementOwl CreekP. Schoenfeld Asset ManagementPacholder Assoc., Inc.Pacific Altern. Ast Mgmt.Pacific Capital AdvisorsPacificor LLCPaige CapitalPanagaen Capital ManagementPAR Investment PartnersParallax Capital Partners LLPPardus Capital Management LLCPatriarch Partners LLCPAULSON & CO INCPegasus Investment Partners LPPENN Capital Management Company IncPequot Capital Management LLCPERELLA WEINBERG PARTNERS CAPITAL MANAGEMENTPerry CapitalPershing Square Capital Management LPPhoenix Investment AdviserPimcoPine CreekPine River Capital ManagementPinewood Capital PartnersPlainfield Asset ManagementPlatinum Equity Capital PartnersPMIPost / Beach PointPrincipal Global InvestorsPrivate Advisors LLCProphet EquityProvidence EquityPursuit Partners LLCQuadrangle Group LLC (Quadrangle GP Investors LLC / Quadrangle Equity Investors Ltd / Quadrangle Equity Management LLC)Quattro Global Capital LLCQuestor ManagementQVT Financial LPR2 Investment (Amalgamated Gadget LP / Q Investment)R3/BlackrockRadius PartnersRAMIUS Capital Group (RCG)Redwood CapitalRelativity FundRemedial CapitalResolution PartnersRestoration Capital Management LLCResurgence Asset ManagementResurgence Corp. FundRMBS Management LLCRoyal Capital ManagementSAC Capital Advisors LLC (Sigma Captial Management LLC)Sabretooth CapitalSalisbury CapitalSandell Asset Management Corp.Sandler Capital ManagementSankaty Advisors LLCSatellite Asset Management LPSaybrook CapitalSchultze Asset Management LLCScoggin Capital Management LPScott's Cove Capital Management LLCSeix Investment AdvisorsSenator Investment GropSeneca Capital Advisors / Seneca Capital Investments LPShenkman Capital Management IncSierra Liquidity FundSignature Cap. PartnersSilver Lake FinancialSilver Point CapitalSimran Capital Management LLCSmith Management / Alden Global CapitalSolus Alternative Mgmt.SOROS Fund ManagementSoros NYSouthpaw Asset ManagementSpectrum Asset ManagementSpring StreetStairway Capital AdvisorsStandard General Mgmt.Stanfield Capital ManagementStark Investment LTD PartnershipSteel PartnersStone Harbor Inv. PtnrsStone LionStone TowerStonehill Capital Management LLCStony Lane PartnersStrategic Value Partners LLCSummitSun Capital Partners IncSunrise Partners LLCTA Mckay & Co.Taconic Capital Partners (Taconic Capital Advisors / Taconic Capital Management)Tålamod Asset ManagementTCW Group Inc (TCW/Crescent Mezzanine LLC)Tennenbaum Capital Partners LLCTENOR CAPITAL MGMT COMPANY LPThe Broe CompaniesThe Carlyle Group / Carlyle Investment Management LLCThe Occasio Fund LLCThird Avenue Management LLCThomas H. Lee PartnersTiburon Capital Mgmt.Tontine (Capital) Partners LP / Tontine Associates LLCToscafund Asset ManagementTPG Capital LP (Texas Pacific Group)TPG Credit ManagementTradewinds Investment ManagementTreadstone GroupTriage Capital Management LPTRICADIA CAPITAL LLCTrilogy CapitalTrust Co. of the WestTuckerbrookTudor Investment Corp.Turnberry Capital Management LPTyndall PartnersValinor Capital Partners, LPVan KampeVarde Partners, Inc.Vector CapitalVenor Capital Management LPVentura Capital Management LLCVersa Capital ManagementViking GlobalVisiumVR GroupW.L. Ross & Co. IncW.R. Huff Asset Management Co. LLCWarburg Pincus LLCWashington Corner Capital ManagementWater Tower CapitalWatershed Asset Mgmt.Wayzata Investment Partners LLCWellington Management Co. LLPWellspring Capital Management LLC (Wellspring Capital Partners LP)Welsh, Carson, Anderson & Stowe (WCAS)Wexford Capital LPWhippoorwill Associates, Inc.WhiteboxWilfrid Aubrey LLCWilliam E. Simon & SonsWingate PartnersWintergreenWoodside ManagementYork Capital ManagementZ Capital Partners LLC / Z Capital Management LLCSource: Updated List of Distressed Debt Hedge Funds

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