The substantial decline in credit market liquidity has created a negative spiral of heightening volatility and risk aversion, fund managers and traders have warned.

We found that one in five experienced a substantial increase in wellbeing in later life, although we also found a smaller group who experienced a substantial decline.

So any substantial decline in the rupee will translate into a hit to earnings.

While the shipyard and coal facilities, and other smaller harbor-oriented businesses have remained vibrant, the downtown area went into substantial decline.

This was a substantial decline on the previous year when a $14.3 million profit had been achieved.