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But whatever penalty the bank might pay, it will amount to a mere drop in the bucket of BofA's legal bills — much of it stemming from its ill-fated acquisition of the former Calabasas mortgage lender in 2008.
Even Peabody is expected to use proceeds from its inital offering to cut debt, much of it stemming from a leveraged buyout that put the company in the hands of a Lehman Brothers merchant banking fund three years ago.
There's a sense of it stemming from a dream, the depths of the self.
The fact that Russia's debt -- much of it stemming from the Soviet era -- needs to be restructured at all is something of a puzzle.
At the same time, in a country with one of the world's highest rates of violent crime, much of it stemming from intractable gang violence, 12 to 14 police officers are killed every year, according to the department.
But he is judicious and well informed, ably sorting out fact from apocrypha (much of it stemming from Da Ponte's highly unreliable memoirs), and smart enough not to burden the story with a lot of interpretation.
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Perhaps it stems from the essential Zelig-like quality the profession lends its practitioner.
It stems from self-doubt.
It stemmed from a real cinematic desire.
Did it stem from patriotic conviction?
"It stems from ignorance," she told Evening Standard.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com