76 FR 43385 - Lending and Investment

Science.gov (United States)

2011-07-20

... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Lending and Investment AGENCY: Office of... collection. Title of Proposal: Lending and Investment. OMB Number: 1550-0078. Form Number: N/A. Description: Current OTS regulations for the documentation of loans and investments for safety and soundness purposes...

76 FR 28504 - Lending and Investment

Science.gov (United States)

2011-05-17

... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Lending and Investment AGENCY: Office of... collection. Title of Proposal: Lending and Investment. OMB Number: 1550-0078. Form Number: N/A. Description: Current OTS regulations for the documentation of loans and investments for safety and soundness purposes...

An Analysis of European Online micro-lending Websites

OpenAIRE

Arvind Ashta; Djamchid Assadi

2009-01-01

Purpose of the paper: With the development of web 2.0, a new kind on lending is taking place on the internet, termed peer to peer lending or social lending. In Europe, this includes commercial lending websites such as Zopa, smava, boober, Kokos, Monetto. At the same time, following the lead of Kiva in the US, European microcredit web platforms are coming up including MyC4 and Babyloan in Europe. The paper examines how the legal design of the online websites differs from the microcredit websit...

12 CFR 208.51 - Real estate lending standards.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Real estate lending standards. 208.51 Section... MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H) Real Estate Lending and Appraisal Standards § 208.51 Real estate lending standards. (a) Adoption of written policies. Each state...

E-book lending in digital libraries: systematic review

Directory of Open Access Journals (Sweden)

Mehdi Alipour-Hafezi

2016-12-01

Full Text Available The purpose of this study is systematic review of e-book lending in digital libraries in order to identify the status of researches in e-book lending, exist research gaps, and their research methods. In this way, systematic review is used for study. Searching in databases in three steps finally showed 36 research resources to be studied. Findings demonstrate that researches on e-book lending are in progress and at the future this domain will be in the spotlight. Also findings showed that subjects such as e-book lending, business models and status of laws in e-book lending are the main fields that need more researches. Moreover study on research methods showed that most of the researches had done by quantitative approach and survey method.

12 CFR 365.2 - Real estate lending standards.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Real estate lending standards. 365.2 Section... POLICY REAL ESTATE LENDING STANDARDS § 365.2 Real estate lending standards. (a) Each insured state... extensions of credit that are secured by liens on or interests in real estate, or that are made for the...

Collateral Damage: Interlibrary Loan Lending Denials

Science.gov (United States)

Leykam, Andrew

2009-01-01

The intent of this paper is to explore the potential of utilizing interlibrary loan (ILL) data relating to lending denials to improve ILL services while highlighting institutional policies that have a negative impact on lending fulfillment rates. Reasons for denial as well as the types of requests being denied are reviewed. In addition, the author…

LENDING STRUCTURE AND MARKET RISK EXPOSURES: THE MALAYSIAN CASE

Directory of Open Access Journals (Sweden)

Aisyah Abdul Rahman

2009-01-01

Full Text Available This study addresses the linkages between lending structure and market risk exposure. The influence of lending structure is analysed by four measures: the real estate lending, the specialisation index, the short-term lending stability, and the medium-term lending stability. Our findings show that lending structure to some extent affects the market risk exposure to some extend. At the same time, listed bank holding companies showed higher levels of market risk during and after the 1997 Asian financial crisis. Meanwhile, the desired effect of bank mergers in terms of reducing market risk exposure did not materialise in this study. Thus, the findings of this study posits at least two implications; (1 policy makers should react accordingly in the decision-making process towards achieving the expected result of the monetary policy transmission mechanism, and (2 banks and investors should account the impact of lending structures in addition to the significance effect of loan expansion and management efficiency when determining market risk exposure of bank holding companies.

Lending behavior of multinational bank affiliates

Directory of Open Access Journals (Sweden)

Alexis Derviz

2011-03-01

Full Text Available We study the parent influence on lending by affiliates of a multinational bank. In the proposed theoretical model, local lending is influenced by shareholder-affiliate manager delegation and precautionary motives. The outcome is either contagion (the loan volume in the affiliate follows the direction of the parent bank country shock or performance-based reallocation of funds (substitution, depending on the degree of manager delegation in the affiliate and the liquidity-sensitivity in theparent bank. Empirical investigation, deliberately conducted on a sample not covering the latest financial crisis, shows that also in “normal” times, multinational banks that are likely to delegate lending decisions or be more liquidity-sensitive are more inclined towards contagionist behavior.

Security Expertise

DEFF Research Database (Denmark)

systematic study of security expertise and opens up a productive dialogue between science and technology studies and security studies to investigate the character and consequences of this expertise. In security theory, the study of expertise is crucial to understanding whose knowledge informs security making......This volume brings together scholars from different fields to explore the power, consequences and everyday practices of security expertise. Expertise mediates between different forms of knowledge: scientific and technological, legal, economic and political knowledge. This book offers the first...... and to reflect on the impact and responsibility of security analysis. In science and technology studies, the study of security politics adds a challenging new case to the agenda of research on expertise and policy. The contributors investigate cases such as academic security studies, security think tanks...

Kiva.org: Crowd-Sourced Microfinance & Cooperation in Group Lending

OpenAIRE

Hartley, Scott

2010-01-01

At the end of 2008 Kiva.org announced the creation of “Lending Teams,” or cohesive open or closed membership groups established and categorized according to scope. These Lending Teams introduce forms of cooperative many-to-one and many-to-many group lending, based on tenuous concepts of identity. Groups vary according to category, size, scope, and activity, and this impacts participatory vitality of crowd-sourced lending. Looking specifically at Kiva.org as a prominent online community for p...

76 FR 18007 - Intermediary Lending Pilot Program

Science.gov (United States)

2011-04-01

..., which are referenced in the Act's legislative history as bases for the ILP program. Requiring ILP... delinquency by an Eligible Small Business Concern. Finally, ILP Intermediaries will incur some costs of... loan request, lending history, projected lending activity, information regarding current or previous...

Monetary transmission and bank lending in the Netherlands

OpenAIRE

Kakes, Jan

1998-01-01

This paper investigates the role of bank lending in the monetary transmission process in the Netherlands. We observe significant differences between the responses of corporate and household lending following a monetary shock. We also find that banks hold a buffer stock of securities which they use to offset monetary shocks. The main implication of our study is that a bank lending channel is not likely to be an important transmission mechanism of monetary policy.

Determinants of Default in P2P Lending.

Directory of Open Access Journals (Sweden)

Carlos Serrano-Cinca

Full Text Available This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans' data collected from Lending Club (N = 24,449 from 2008 to 2014 that are first analyzed by using univariate means tests and survival analysis. Factors explaining default are loan purpose, annual income, current housing situation, credit history and indebtedness. Secondly, a logistic regression model is developed to predict defaults. The grade assigned by the P2P lending site is the most predictive factor of default, but the accuracy of the model is improved by adding other information, especially the borrower's debt level.

Determinants of Default in P2P Lending.

Science.gov (United States)

Serrano-Cinca, Carlos; Gutiérrez-Nieto, Begoña; López-Palacios, Luz

2015-01-01

This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans' data collected from Lending Club (N = 24,449) from 2008 to 2014 that are first analyzed by using univariate means tests and survival analysis. Factors explaining default are loan purpose, annual income, current housing situation, credit history and indebtedness. Secondly, a logistic regression model is developed to predict defaults. The grade assigned by the P2P lending site is the most predictive factor of default, but the accuracy of the model is improved by adding other information, especially the borrower's debt level.

Exploring the critical factors influencing online lending intentions

OpenAIRE

Wang, Peng

2015-01-01

Background: Online lending (P2P lending) is a type of internet finance mainly used to meet the financial needs of small and medium-sized enterprises and groups of individuals. It is a supplement to the traditional financial system. Method: This paper uses PPDai.com - the most influential online lending platform in China - as a research object to study the leading factors that affect lenders' loan trust and perception of information asymmetry. It also studies the impacts of these factors on le...

Expertise, Ethics Expertise, and Clinical Ethics Consultation: Achieving Terminological Clarity

Science.gov (United States)

Iltis, Ana S.; Sheehan, Mark

2016-01-01

The language of ethics expertise has become particularly important in bioethics in light of efforts to establish the value of the clinical ethics consultation (CEC), to specify who is qualified to function as a clinical ethics consultant, and to characterize how one should evaluate whether or not a person is so qualified. Supporters and skeptics about the possibility of ethics expertise use the language of ethics expertise in ways that reflect competing views about what ethics expertise entails. We argue for clarity in understanding the nature of expertise and ethics expertise. To be an ethics expert, we argue, is to be an expert in knowing what ought to be done. Any attempt to articulate expertise with respect to knowing what ought to be done must include an account of ethics that specifies the nature of moral truth and the means by which we access this truth or a theoretical account of ethics such that expertise in another domain is linked to knowing or being better at judging what ought to be done and the standards by which this “knowing” or “being better at judging” is determined. We conclude with a discussion of the implications of our analysis for the literature on ethics expertise in CEC. We do think that there are clear domains in which a clinical ethics consultant might be expert but we are skeptical about the possibility that this includes ethics expertise. Clinical ethics consultants should not be referred to as ethics experts. PMID:27256848

Direct Lending Works.

Science.gov (United States)

Riley, Richard W.

1997-01-01

In its third year, direct lending is working well for college students and administration. It is a simpler, faster, more efficient way of getting loan funds to students that cuts out financial middlemen. It helps students manage their finances better when repaying loans, promotes competition, stimulates program innovation, leads to greater…

Expertise and contra expertise independence and transparency

International Nuclear Information System (INIS)

Abarnou, G.; Ades, Y.; Ancelin, G.; Balle, St.; Bardy, J.Ch.; Beringer, F.; Blanc, M.; Bontoux, J.; Bovy, M.; Brunet, F.; Calafat, A.; Cartier, M.; Constant, H.; Delcourt, R.; Duvert, J.C.; Eichholtzer, F.; Fernandez, P.; Fernex, S.; Foechterle, A.; Gatesoupe, J.P.; Geneau, Ch.; Goerg, C.; Gourod, A.; Graschaire, G.; Hubscher Ibert, J.; Jaegert, M.; Lacoste, A.C.; Lacote, J.P.; Laroche, D.; Lazar, Ph.; Lelievre, D.; Levasseur, E.; Levent, L.; Louvat, D.; Manon, Ch.; Maugein, J.; Melguen, M.; Mouchet, Ch.; Mourat, J.P.; Naegelen, L.; Niquet, G.; Perves, J.P.; Potelet, P.; Regent, A.; Romann, J.M.; Rossa, N.; Saut, C.; Sazy, Ch.; Schmitt, P.; Sene, M.; Sene, Raymond; Sornein, J.F.; Sugier, A.; Tfibel, V.; Uhart, M.; Vidal, J.; Vieillard Baron, B.; Vigny, P.; Walgenwitz, G.; Wiest, A.; Wisselmann, R.; Zuberbuhler, A.

2006-01-01

About sixty participants: members of C.L.I., academics, elected representatives, manufacturers, representatives of association, institutional, crossed their experiences. The debate was mainly centred on the role of the expert, the limits of its intervention and its independence. The presented titles are following: experiences of two C.L.I. in expertise; the work of communication of the nuclear experts; interest and limits of the expertise; presentation of the I.R.S.N. and the D.G.S.N.R.; expertise: problems and experiences; presentation of the works realised in work group; the considerations of the C.S.S.I.N.. (N.C.)

MACRO ECONOMICS FACTORS AND BANK LENDING BEHAVIOUR IN INDONESIA

Directory of Open Access Journals (Sweden)

Rofikoh Rokhim

2014-10-01

Full Text Available AbstractThis study examines the influencing macro economics factor in lending distribution and observes the comparison of each factor based on lending type which are investment, working capital and domestic consumption lending. Using data of Indonesian commercial banks between 2003-2011 and a balanced panel method, it finds that bank liquidity and inflation rate have significant negative effect, while number of banks has strong positive influence to stimulate lending distribution. Moreover, saving rate and GDP growth were found not meaningfully contributed to change investment lending distribution, but they significantly influenced the other lending distribution. Lastly, reserve requirement and exchange rate did not significantly influence all lending type.Keywords: Loan, interest rate, growth, GDP.JEL Classification Numbers: G21, E43, E51AbstrakStudi ini meneliti faktor ekonomi makro yang mempengaruhi distribusi pinjaman dan mengamati perbandingan masing-masing faktor berdasarkan jenis pinjaman yaitu pinjaman investasi, modal kerja dan konsumsi. Dengan menggunakan data dari bank-bank komersial di Indonesia antara 2003-2011, dengan menggunakan analisis data panel, ditemukan bahwa likuiditas perbankan dan tingkat inflasi berpengaruh negatif signifikan, sedangkan jumlah bank berpengaruh positif dan kuat untuk mendorong distribusi pinjaman pada semua jenis pinjaman. Selain itu, tingkat tabungan dan pertumbuhan PDB ditemukan tidak bermakna dalam kontribusinya untuk mempengaruhi distribusi kredit investasi, tetapi secara signifikan mempengaruhi distribusi pinjaman lainnya. Terakhir, GWM dan nilai tukar tidak signifikan mempengaruhi semua tiga kategori jenis pinjaman. Keywords: Loan, interest rate, growth, GDPJEL Classification Numbers: G21, E43, E51

Monetary transmission and bank lending in the Netherlands

NARCIS (Netherlands)

Kakes, Jan

1998-01-01

This paper investigates the role of bank lending in the monetary transmission process in the Netherlands. We observe significant differences between the responses of corporate and household lending following a monetary shock. We also find that banks hold a buffer stock of securities which they use

E-Commerce Audit Judgment Expertise: Does Expertise in System Change Management and Information Technology Auditing Mediate E-Commerce Audit Judgment Expertise?

Directory of Open Access Journals (Sweden)

Jagdish PATHAK

2010-01-01

Full Text Available A global survey of 203 E-commerce auditors was conducted to investigate the perceptions about the potential determinants of expertise in E-commerce audits. We hypothesize and find evidence indicating that information technology and communication expertise are positively related to expertise in E-commerce audit judgment. We also find that system change management expertise and information technology audit expertise mediate this relationship.

On the roles of different foreign currencies in European bank lending

OpenAIRE

Krogstrup, Signe; Tille, Cedric

2015-01-01

We draw on a new data set on the use of Swiss francs and other currencies by European banks to assess the patterns of foreign currency bank lending. We show that the patterns differ sharply across foreign currencies. The Swiss franc is used predominantly for lending to residents, especially households. It is sensitive to the interest rate differential, exchange rate developments, funding availability, and to some extent international trade. Lending in other currencies is more used in lending ...

Lending Video Game Consoles in an Academic Library

Science.gov (United States)

Buller, Ryan

2017-01-01

This paper will outline the process and discussions undertaken at the University of Denver's University Libraries to implement a lending service providing video game consoles. Faculty and staff at the University Libraries decided to pursue the new lending service, though not a traditional library offering, to support the needs of a video game…

Marketing-Mix of Online Social Lending Websites

OpenAIRE

Djamchid Assadi; Meredith Hudson

2010-01-01

With the rise of microfinance in developing countries and its evolution to a business model in developed nations, microfinance has fully transitioned to the internet, taking the distinctive form of social lending. However, the marketing trends of emerging peer-to-peer micro-lending websites have been largely unexplored during its rise to recognition due to most studies focusing on financial, economic, political and humanitarian issues in context to microfinance. However, based on a sample of ...

Lending Interest Rates’ Relationships of Malaysia and Other Countries

Directory of Open Access Journals (Sweden)

Noor Azryani Auzairy

2016-06-01

Full Text Available This paper is to examine the relationship of Malaysia‟s lending interest rate with other countries which include China, Singapore, United States, Indonesia and Thailand. Those five countries are Malaysia‟s major trading partners. The daily base lending interest rates from 2006 to 2014 were applied to this study. The associations of the interest rates were tested by coefficient correlation and multivariate regression analysis. Results showed that Malaysian lending interest rate is significant and positively related to those of China, Thailand and the United States. Among the five countries‟ interest rates, only the changes in interest rates of China, Thailand and the United States would affect Malaysia‟s lending rate. The independence of monetary policy would hardly be expected by the Malaysian authority, Bank Negara, in its decision on lending interest rate. In addition, it may affect the trade finance and money market hedge decisions by the international traders. This study provides an overview and guidance to the government authorities in making more effective decisions related to monetary policy, international trade and foreign exchange exposure in order to strengthen the economy.

The impact of monetary policy on bank lending rate in South Africa

Directory of Open Access Journals (Sweden)

B.T. Matemilola

2015-03-01

Full Text Available The pass-through of the policy rates to bank lending rate is an important subject matter because it measures the effectiveness of monetary policy to control inflation or stabilize the economy. This study investigates the long-run interest rate pass-through of the money market rate to the bank lending rate and asymmetric adjustment of the bank lending rate. The study applies the momentum threshold autoregressive and asymmetric error correction models. The asymmetric error correction results reveal that bank lending rate adjusts to a decrease in the money market rate in South Africa. The findings suggest that the South African commercial banks adjust their lending rate downward but the lending rate appears rigid upward, which supports the customer reaction hypothesis.

Fostering intentional interdisciplinary leadership in developmental disabilities: the North Carolina LEND experience.

Science.gov (United States)

Rosenberg, Angela; Margolis, Lewis H; Umble, Karl; Chewning, Linda

2015-02-01

This study describes the effects of interdisciplinary leadership training on a retrospective cohort (2001-2009) of the University of North Carolina MCH Leadership Education in Neurodevelopmental and Related Disabilities (UNC-CH LEND) program, including LEND graduates who were selected to participate in a focused Interdisciplinary Leadership Development Program (ILDP) in addition to their LEND training. Specifically, the study examined graduates' reports of the relationship between LEND training and their attitudes/beliefs about interdisciplinary practice, as well as their reported use of interdisciplinary skills in their post-fellowship practice settings. Using a post-test design, participants in the LEND and ILDP programs were contacted to complete an on-line survey. Using a Conceptual Model guided by EvaluLEAD, respondents were asked to rate the influence of the UNC-LEND training program on their attitudes/beliefs and skills using a 5-point Likert scale, as well as through open-ended descriptions. The 49 LEND respondents represented a 56% overall response rate from years 2001-2009. ILDP participants reported greater agreement with interdisciplinary attitudes/beliefs and more frequent use of interdisciplinary skills than did the non-participants. Graduates of LEND as well as ILDP reported the influence of training through a range of qualitative responses. Response examples highlight the influence of LEND training to promote outcomes at the individual, organizational and systems level. Findings from this study illustrate that MCHB funded LEND training has a strong influence on the future employment and interdisciplinary practices of graduates for the MCH workforce as well as services for individuals with developmental disabilities, their families and systems of care.

KNMI DataLab experiences in serving data-driven innovations

Science.gov (United States)

Noteboom, Jan Willem; Sluiter, Raymond

2016-04-01

Climate change research and innovations in weather forecasting rely more and more on (Big) data. Besides increasing data from traditional sources (such as observation networks, radars and satellites), the use of open data, crowd sourced data and the Internet of Things (IoT) is emerging. To deploy these sources of data optimally in our services and products, KNMI has established a DataLab to serve data-driven innovations in collaboration with public and private sector partners. Big data management, data integration, data analytics including machine learning and data visualization techniques are playing an important role in the DataLab. Cross-domain data-driven innovations that arise from public-private collaborative projects and research programmes can be explored, experimented and/or piloted by the KNMI DataLab. Furthermore, advice can be requested on (Big) data techniques and data sources. In support of collaborative (Big) data science activities, scalable environments are offered with facilities for data integration, data analysis and visualization. In addition, Data Science expertise is provided directly or from a pool of internal and external experts. At the EGU conference, gained experiences and best practices are presented in operating the KNMI DataLab to serve data-driven innovations for weather and climate applications optimally.

12 CFR 560.100 - Real estate lending standards; purpose and scope.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Real estate lending standards; purpose and... § 560.100 Real estate lending standards; purpose and scope. This section, and § 560.101 of this subpart....S.C. 1828(o), prescribe standards for real estate lending to be used by savings associations and all...

Committee to evaluate Sandia`s risk expertise: Final report. Volume 1: Presentations

Energy Technology Data Exchange (ETDEWEB)

Dudley, E.C.

1998-05-01

On July 1--2, 1997, Sandia National Laboratories hosted the External Committee to Evaluate Sandia`s Risk Expertise. Under the auspices of SIISRS (Sandia`s International Institute for Systematic Risk Studies), Sandia assembled a blue-ribbon panel of experts in the field of risk management to assess their risk programs labs-wide. Panelists were chosen not only for their own expertise, but also for their ability to add balance to the panel as a whole. Presentations were made to the committee on the risk activities at Sandia. In addition, a tour of Sandia`s research and development programs in support of the US Nuclear Regulatory Commission was arranged. The panel attended a poster session featuring eight presentations and demonstrations for selected projects. Overviews and viewgraphs from the presentations are included in Volume 1 of this report. Presentations are related to weapons, nuclear power plants, transportation systems, architectural surety, environmental programs, and information systems.

Advanced LabVIEW Labs

International Nuclear Information System (INIS)

Jones, Eric D.

1999-01-01

In the world of computer-based data acquisition and control, the graphical interface program LabVIEW from National Instruments is so ubiquitous that in many ways it has almost become the laboratory standard. To date, there have been approximately fifteen books concerning LabVIEW, but Professor Essick's treatise takes on a completely different tack than all of the previous discussions. In the more standard treatments of the ways and wherefores of LabVIEW such as LabVIEW Graphical Programming: Practical Applications in Instrumentation and Control by Gary W. Johnson (McGraw Hill, NY 1997), the emphasis has been instructing the reader how to program LabVIEW to create a Virtual Instrument (VI) on the computer for interfacing to a particular instruments. LabVIEW is written in ''G'' a graphical programming language developed by National Instruments. In the past the emphasis has been on training the experimenter to learn ''G''. Without going into details here, ''G'' incorporates the usual loops, arithmetic expressions, etc., found in many programming languages, but in an icon (graphical) environment. The net result being that LabVIEW contains all of the standard methods needed for interfacing to instruments, data acquisition, data analysis, graphics, and also methodology to incorporate programs written in other languages into LabVIEW. Historically, according to Professor Essick, he developed a series of experiments for an upper division laboratory course for computer-based instrumentation. His observation was that while many students had the necessary background in computer programming languages, there were students who had virtually no concept about writing a computer program let alone a computer- based interfacing program. Thus the beginnings of a concept for not only teaching computer- based instrumentation techniques, but aiso a method for the beginner to experience writing a com- puter program. Professor Essick saw LabVIEW as the ''perfect environment in which to

Foreigners vs. Natives : Bank Lending Technologies and Loan Pricing

NARCIS (Netherlands)

Beck, T.H.L.; Ioannidou, V.; Schäfer, L.

2012-01-01

Abstract: Do domestic and foreign banks differ in their lending techniques and loan pricing models? Are such differences driven by different clienteles? Using a sample of firms that borrow from both domestic and foreign banks in the same month, we show significant differences in lending techniques

Peer-to-peer lending and bias in crowd decision-making.

Science.gov (United States)

Singh, Pramesh; Uparna, Jayaram; Karampourniotis, Panagiotis; Horvat, Emoke-Agnes; Szymanski, Boleslaw; Korniss, Gyorgy; Bakdash, Jonathan Z; Uzzi, Brian

2018-01-01

Peer-to-peer lending is hypothesized to help equalize economic opportunities for the world's poor. We empirically investigate the "flat-world" hypothesis, the idea that globalization eventually leads to economic equality, using crowdfinancing data for over 660,000 loans in 220 nations and territories made between 2005 and 2013. Contrary to the flat-world hypothesis, we find that peer-to-peer lending networks are moving away from flatness. Furthermore, decreasing flatness is strongly associated with multiple variables: relatively stable patterns in the difference in the per capita GDP between borrowing and lending nations, ongoing migration flows from borrowing to lending nations worldwide, and the existence of a tie as a historic colonial. Our regression analysis also indicates a spatial preference in lending for geographically proximal borrowers. To estimate the robustness for these patterns for future changes, we construct a network of borrower and lending nations based on the observed data. Then, to perturb the network, we stochastically simulate policy and event shocks (e.g., erecting walls) or regulatory shocks (e.g., Brexit). The simulations project a drift towards rather than away from flatness. However, levels of flatness persist only for randomly distributed shocks. By contrast, loss of the top borrowing nations produces more flatness, not less, indicating how the welfare of the overall system is tied to a few distinctive and critical country-pair relationships.

Appraisal of Priority Sector Lending by Commercial Banks in India

OpenAIRE

C Bhujanga Rao

2014-01-01

This report provides an overview of the performance of priority sector lending by commercial banks in India. The review captures the changing contours of Reserve Bank of India policy on priority sector advances. The paper analyses the trends in priority sector lending for the period 1995-2011, the burden of non-performing assets of commercial bank in priority sector lending and the extent to which priority sector targets are achieved by individual banks. It is observed that the scheduled comm...

E-expertise modern collective intelligence

CERN Document Server

Gubanov, Dmitry; Novikov, Dmitry; Raikov, Alexander

2014-01-01

  This book focuses on organization and mechanisms of expert decision-making support using modern information and communication technologies, as well as information analysis and collective intelligence technologies (electronic expertise or simply e-expertise). Chapter 1 (E-Expertise) discusses the role of e-expertise in decision-making processes. The procedures of e-expertise are classified, their benefits and shortcomings are identified, and the efficiency conditions are considered. Chapter 2 (Expert Technologies and Principles) provides a comprehensive overview of modern expert technologies. A special emphasis is placed on the specifics of e-expertise. Moreover, the authors study the feasibility and reasonability of employing well-known methods and approaches in e-expertise. Chapter 3 (E-Expertise: Organization and Technologies) describes some examples of up-to-date technologies to perform e-expertise. Chapter 4 (Trust Networks and Competence Networks) deals with the problems of expert finding and grouping...

13 CFR 120.150 - What are SBA's lending criteria?

Science.gov (United States)

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What are SBA's lending criteria... Policies Applying to All Business Loans Credit Criteria for Sba Loans § 120.150 What are SBA's lending... depth of management; (c) Strength of the business; (d) Past earnings, projected cash flow, and future...

Debt maturity and relationship lending: An analysis of European SMEs

NARCIS (Netherlands)

Hernandez-Canovas, G.; Koeter-Kant, J.

2008-01-01

This article examines the association between bank debt maturity and relationship lending using a unique survey sample of 3366 SMEs from 19 European countries. The knowledge of how the institutional environment shapes relationship lending helps us to understand how current institutional changes,

Models of sequential decision making in consumer lending

OpenAIRE

Kanshukan Rajaratnam; Peter A. Beling; George A. Overstreet

2016-01-01

Abstract In this paper, we introduce models of sequential decision making in consumer lending. From the definition of adverse selection in static lending models, we show that homogenous borrowers take-up offers at different instances of time when faced with a sequence of loan offers. We postulate that bounded rationality and diverse decision heuristics used by consumers drive the decisions they make about credit offers. Under that postulate, we show how observation of early decisions in a seq...

Bank Lending and Property Prices in Hong Kong

OpenAIRE

Gerlach, Stefan; Peng, Wensheng

2004-01-01

This paper studies the relationship between residential property prices and lending in Hong Kong. This is an interesting topic for three reasons. First, swings in property prices have been extremely large and frequent in Hong Kong. Second, under the currency board regime, monetary policy can not be used to guard against asset price swings. Third, despite the collapse in property prices since 1998, the banking sector remains sound. While the contemporaneous correlation between lending and prop...

BANK LENDING EVOLUTION IN ROMANIA DURING 2008-2015

Directory of Open Access Journals (Sweden)

Valentin Mihai LEOVEANU

2016-06-01

Full Text Available The period of global nuisance of banking and financial sector during the international financial crisis continues to have overwhelming implications in the current period, which requires careful research of monetary and financial phenomena locally and globally. In this sense, this article aims to highlight key aspects of the Romanian investment environment in the context of international economic environment and monetary policy transmission mechanisms in the Romanian economy. Following this approach, the study focuses on analyzing the financial position of banks operating in Romania, the evolution of lending by type of entity and positive/negative aspects about the impact of monetary policy measures and the NBR regulations on bank lending. The study shows conclusively the positive and the negative effects of lending evolution on the Romanian economy, on the solvency and bankruptcy risk of Romanian companies and on the behavior of debtors and creditors in credit relationships.

Home-mortgage lending trends in New England in 2010

OpenAIRE

Ana Patricia Muñoz

2012-01-01

This brief analysis of home-mortgage lending trends in New England is based on data collected under the Home Mortgage Disclosure Act (HMDA). HMDA provides information on mortgage lending trends and includes data by loan purpose, type of loan, income, and the race and ethnicity of borrowers. In this report we focus on home-purchase and refinance loans in New England.

Powering Ideas through Expertise

DEFF Research Database (Denmark)

Seabrooke, Leonard; Wigan, Duncan

2016-01-01

This contribution discusses how ideas are powered through expertise and moral authority. Professionals compete with each other to power ideas by linking claims to expertise, how things best work, to moral claims about how things should be. To show how, we draw on a case of battles over global tax...... reporting multinational corporations should provide to ensure they pay their fair share of tax. Ideas powered by expertise contain shared causal beliefs, as well as principled beliefs about value systems. We demonstrate that professionals can contest the established order when demonstrations of expertise...

Developing expertise in surgery.

Science.gov (United States)

Alderson, David

2010-01-01

The concept of expertise is widely embraced but poorly defined in surgery. Dictionary definitions differentiate between authority and experience, while a third view sees expertise as a mind-set rather than a status. Both absolute and relative models of expertise have been developed, and each allows a richer understanding of the application of these concepts to emerge. Trainees must develop both independent and interdependent expertise, and an appreciation of the essentially constructivist and uncertain nature of medical knowledge. Approach may be more important than innate talent; the concepts of 'flow', sustained 'deliberate practice' and 'adaptive expertise' are examples of expert approaches to learning. Non-analytical reasoning plays a key role in decision making at expert levels of practice. A technically gifted surgeon may be seen as a safety hazard rather than an expert if inter-dependent expertise has not been developed. Key roles of a surgical educator are to facilitate the development of an expert approach to education and to enable entry into and movement towards the centre of an expert community of practice.

12 CFR 528.2 - Nondiscrimination in lending and other services.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Nondiscrimination in lending and other services. 528.2 Section 528.2 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY NONDISCRIMINATION REQUIREMENTS § 528.2 Nondiscrimination in lending and other services. (a) No savings association...

The Bank Lending Channel: Evidence from Australia

Directory of Open Access Journals (Sweden)

Luke Liu

2014-06-01

Full Text Available This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of that cash rate change on lending of different types of loans. We find the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan. Smaller banks are more sensitive to policy rate changes, and household loans, government loans and intra-group loans are less responsive to monetary policy compared with financial and non-financial loans.

Lending Sociodynamics and Drivers of the Financial Business Cycle

Directory of Open Access Journals (Sweden)

Raymond J. Hawkins

2017-10-01

Full Text Available We extend sociodynamic modeling of the financial business cycle to the Euro Area andJapan. Using an opinion-formation model and machine learning techniques we find stable modelestimation of the financial business cycle using central bank lending surveys and a few selectedmacroeconomic variables. We find that banks have asymmetric response to good and bad economicinformation, and that banks adapt to their peers’ opinions when changing lending policies.

Does bank ownership affect relationship lending: A developing country perspective

Directory of Open Access Journals (Sweden)

Ashiqur Rahman

2017-05-01

Full Text Available In this paper we aim to explore how the type of bank ownership - local private banks, government-owned banks (public banks and foreign banks - can affect relationship lending to small and medium enterprises (SMEs by using a unique data set from Bangladeshi banking sector. We found that private banks differ from government-owned and foreign banks in terms of relationship lending and credit facilities to SMEs. More specifically, our results suggest that unlike government and foreign banks, private banks do consider soft information from relationship lending while setting up the loan spread to SMEs. We can also confirm that exclusive banking relationship or repeated banking with private banks can soften credit conditions (loan maturity and covenants. Moreover, we found empirical evidence that banking relationship is important for private banks in terms of SME credit risk evaluation. Finally, as according to our expectation, the results confirm that regardless of prior relationship, private banks are more depended on collateral-based lending to SMEs than government-owned or foreign banks.

Kedalion: NASA's Adaptable and Agile Hardware/Software Integration and Test Lab

Science.gov (United States)

Mangieri, Mark L.; Vice, Jason

2011-01-01

NASA fs Kedalion engineering analysis lab at Johnson Space Center is on the forefront of validating and using many contemporary avionics hardware/software development and integration techniques, which represent new paradigms to heritage NASA culture. Kedalion has validated many of the Orion hardware/software engineering techniques borrowed from the adjacent commercial aircraft avionics solution space, with the intention to build upon such techniques to better align with today fs aerospace market. Using agile techniques, commercial products, early rapid prototyping, in-house expertise and tools, and customer collaboration, Kedalion has demonstrated that cost effective contemporary paradigms hold the promise to serve future NASA endeavors within a diverse range of system domains. Kedalion provides a readily adaptable solution for medium/large scale integration projects. The Kedalion lab is currently serving as an in-line resource for the project and the Multipurpose Crew Vehicle (MPCV) program.

The Bank Lending Channel of Monetary Policy Transmission in A Dual Banking System

Directory of Open Access Journals (Sweden)

Mansor H. Ibrahim

2017-02-01

Full Text Available This paper examines the impact of monetary policy on bank lending in a dual banking system, i.e. Malaysia. Making use of an unbalanced panel data set of 38 Islamic and conventional banks covering mostly 2001-2014, we find evidence that variations in monetary policy affect lending growth of Islamic banks and, to some extent, conventional banks. The results further reveal that, in conformity with studies using aggregate Islamic financing data, the Islamic financing growth reacts more strongly to monetary policy changes. Moreover, we find no marked difference between full-fledged Islamic banks and Islamic bank subsidiaries in their responses to monetary policy. While we also document some evidence indicating the significant relations between bank-specific variables and lending growth, the bank-specific variables do not seem to have any role in impacting the potency of the bank lending channel. Finally, we find that lending growth is directly related to economic growth, suggesting procyclicality of bank lending/financing in Malaysia. These results have important implications for effective implementation of monetary policy and further development of Islamic banks in Malaysia.

Lending policies of informal, formal and semiformal lenders - Evidence from Vietnam

NARCIS (Netherlands)

Pham, Thi Thu Tra; Lensink, Robert

2007-01-01

This paper compares lending policies of formal, informal and semiformal lenders with respect to household lending in Vietnam. The analysis suggests that the probability of using formal or semiformal credit increases if borrowers provide collateral, a guarantor and/or borrow for business-related

Designing an Information System for Decision Support Lending

Directory of Open Access Journals (Sweden)

Adrian LUPASC

2017-04-01

Full Text Available The successful development of financial and banking activities requires a strong information support to ensure the competitive edge over the other competitors on the market. The exponential growth in the volume of lending financial operations made the use of modern information technology in banking has become fundamental to improving lending activity. Thus, the design and use of a computer system adapted to specific requirements of bank lending will provide opportunities to diversify and modernize the procedures for granting, repayment and credit guarantee to correlate products offer credit demands and customer needs. In this regard, the related objectives of this work are oriented to emphasize the positive impact of the adoption of modern information technologies in decision making in the banking field. The proposed objectives are justified by presenting solutions support system of credit decision which aims to automate ongoing operations specific to a banking allowing bank clerks to process a large number of loan applications in a time very short and to the right decisions and substantiated.

Bank Size and Small- and Medium-sized Enterprise (SME) Lending: Evidence from China

Science.gov (United States)

SHEN, YAN; SHEN, MINGGAO; XU, ZHONG; BAI, YING

2014-01-01

Summary Using panel data collected in 2005, we evaluate how bank size, discretion over credit, incentive schemes, competition, and the institutional environment affect lending to small- and medium-sized enterprises in China. We deal with the endogeneity problem using instrumental variables, and a reduced-form approach is also applied to allow for weak instruments in estimation. We find that total bank asset is an insignificant factor for banks’ decision on small- and medium-enterprise (SME) lending, but more local lending authority, more competition, carefully designed incentive schemes, and stronger law enforcement encourage commercial banks to lend to SMEs. PMID:26052179

Bank Size and Small- and Medium-sized Enterprise (SME) Lending: Evidence from China.

Science.gov (United States)

Shen, Yan; Shen, Minggao; Xu, Zhong; Bai, Ying

2009-04-01

Using panel data collected in 2005, we evaluate how bank size, discretion over credit, incentive schemes, competition, and the institutional environment affect lending to small- and medium-sized enterprises in China. We deal with the endogeneity problem using instrumental variables, and a reduced-form approach is also applied to allow for weak instruments in estimation. We find that total bank asset is an insignificant factor for banks' decision on small- and medium-enterprise (SME) lending, but more local lending authority, more competition, carefully designed incentive schemes, and stronger law enforcement encourage commercial banks to lend to SMEs.

Capital Requirements, Monetary Policy, and Aggregate Bank Lending: Theory and Empirical Evidence.

OpenAIRE

Thakor, Anjan V

1996-01-01

Capital requirements linked solely to credit risk are shown to increase equilibrium credit rationing and lower aggregate lending. The model predicts that the bank's decision to lend will cause an abnormal run-up in the borrower's stock price and that this reaction will be greater the more capital-constrained the bank. The author provides empirical support for this prediction. The model explains the recent inability of the Federal Reserve to stimulate bank lending by increasing the money suppl...

Prescribing safety, negotiating expertise. Building of nuclear safety human factors expertise

International Nuclear Information System (INIS)

Rolina, Gregory

2008-01-01

This Ph.D thesis is dedicated to a specific type of expertise, the safety of nuclear installations in the field of human and organisational factors. Empirical work is at the foundation of this thesis: the monitoring of experts 'in action', allowed a detailed reconstruction of three cases they were examining. The analysis, at the core of which lies the definition of what an efficient expertise can be, emphasizes the incompleteness of the knowledge that links together the nuclear facilities' organisational characteristics and their safety. This leads us to identify the expert's three ranges of actions (rhetorical, cognitive, operative). Defined from objectives and constraints likely to influence the expert's behaviour, those three ranges each require specific skills. A conception of expertise based on these ranges seems adaptable to other sectors and allows an enrichment of models of expertise cited in literature. Historical elements from French institutions of nuclear safety are also called upon to take into consideration some of the determinants of the expertise; its efficiency relies on the upholding of a continuous dialogue between the regulators (the experts and the control authority) and the regulated (the operators). This type of historically inherited regulation makes up a specificity of the French system of external control of nuclear risks. (author) [fr

Credit Booms and Lending Standards : Evidence from the Subprime Mortgage Market

NARCIS (Netherlands)

Dell’Ariccia, G.; Igan, D.; Laeven, L.

2009-01-01

This paper links the current subprime mortgage crisis to a decline in lending standards associated with the rapid expansion and changes in the structure of this market. We show that lending standards declined more in areas that experienced faster credit growth. We also find that the entry of new

Experienced discrimination in home mortgage lending

DEFF Research Database (Denmark)

Secchi, Davide; Seri, Raffaello

2017-01-01

This article proposes a framework for the analysis of experienced discrimination in home mortgages. It addresses the problem of home mortgage lending discrimination in one of the richest areas of northern Italy. Employees of a local hospital were interviewed to study their perception (or experien...

The Impact of Federal Preemption of State Antipredatory Lending Laws on the Foreclosure Crisis

Science.gov (United States)

Ding, Lei; Quercia, Roberto G.; Reid, Carolina K.; White, Alan M.

2012-01-01

State antipredatory lending laws (APLs) are designed to protect borrowers against predatory lending that can increase the risk of default and deplete the home equity held by borrowers. Federal regulators instituted preemption that limited the scope and reach of state antipredatory lending regulations for certain lenders. Based on the variation in…

Whether Audit Committee Financial Expertise Is the Only Relevant Expertise: A Review of Audit Committee Expertise and Timeliness of Financial Reporting

Directory of Open Access Journals (Sweden)

Saeed Rabea Baatwah

2013-06-01

Full Text Available This study reviews the literature on audit committee expertise and financial reporting timeliness. Financial reporting timeliness and audit committee expertise are two areas of research gaining the attention of a large number of stakeholders because they contribute to the reliability and the  relevancy of financial reporting. Indeed, the focus of this review is primarily on the recent developments in the pertinent literature in order to show the limitations of such research and encourage future research to overcome these limitations. By also looking at the development of the audit committee expertise literature, this study concludes that (1 like most audit committee literature, financial reporting timeliness literature continues to assume the absence of the contribution of expertise other than financial expertise, and ignore the role of audit committee chair; (2 most of this literature fails to find a significant effect because it ignores the interaction among corporate governance mechanisms. Accordingly, this study posits that ignoring the issues raised in such research by future research would lead to major mistakes in reforms relating to how the quality of financial reporting can be enhanced.

Lending Behavior of Multinational Bank Affiliates

Czech Academy of Sciences Publication Activity Database

Derviz, Alexis; Podpiera, J.

2011-01-01

Roč. 1, č. 1 (2011), s. 19-36 ISSN 2077-429X Institutional research plan: CEZ:AV0Z10750506 Keywords : Multinational bank * Contagion * Substitution * Agency Subject RIV: AH - Economics http://library.utia.cas.cz/separaty/2011/E/derviz-lending behavior of multinational bank affiliates.pdf

76 FR 18354 - Truth in Lending

Science.gov (United States)

2011-04-04

... extent that a creditor imposed charges that were inconsistent with Regulation Z while the account was... amounts charged during the period the account was exempt or to provide disclosures regarding transactions...) amends the Truth in Lending Act (TILA) by increasing the threshold for exempt consumer credit...

76 FR 11319 - Truth in Lending

Science.gov (United States)

2011-03-02

... Congress enacted the Truth in Lending Act (TILA) based on findings that economic stability would be... Final Rule Congress enacted TILA based on findings that economic stability would be enhanced and... Economic Recovery Act of 2008 (HERA), also provides that its principal obligation limitations are subject...

Rituals of environmental expertise

DEFF Research Database (Denmark)

Petersen, Lars Kjerulf

2008-01-01

Use of experts in media reports about the environment is not confined to its information function. Voices of expertise also serve a ritual function in societal communication by enacting collective sentiments and common world views cast around consensus as well as conflict. This article presents...... theoretical discussions and examples from a case study of Danish television news coverage of the environment supporting such an understanding of expertise in broadcast media. And adds to the discussion of expertise a discussion of the opposing category of lay knowledge....

Bank Lending Policy, Credit Scoring and Value at Risk

OpenAIRE

Jacobson, Tor; Roszbach, Kasper

1998-01-01

In this paper we apply a bivariate probit model to investigate the implications of bank lending policy. In the first equation we model the bank´s decision to grant a loan, in the second the probability of default. We confirm that banks provide loans in a way that is not consistent with default risk minimization. The lending policy must thus either be inefficient or be the result of some other type of optimizing behavior than expected profit maximization. Value at Risk, being a value weighted ...

Understanding Expertise from Elite Badminton Coaches

Science.gov (United States)

Sheu, Feng-Ru

2011-01-01

Badminton is a growing sport with a limited amount of expertise both in players and coaches so attempts are being made to extend the expertise internationally. The purpose of this study is to gain an understanding of coaching expertise in badminton because such an understanding might have implications for a more general understanding of expertise,…

Competence and Professional Expertise

NARCIS (Netherlands)

Evers, A.T.; Heijden, B.I.J.M. van der; Mulder, M.

2017-01-01

Theoretical and empirical controversies exist about the understanding and potentials of the concepts of competence and professional expertise. In this chapter, both concepts will be thoroughly conceptualised and discussed. Competence and professional expertise are important as all professionals need

Competence and Professional Expertise

NARCIS (Netherlands)

Evers, Arnoud; Van der Heijden, Beatrice

2018-01-01

Theoretical and empirical controversies exist about the understanding and potentials of the concepts competence and professional expertise. In this chapter, both concepts will be thoroughly conceptualised and discussed. Competence and professional expertise are important as all professionals need to

Lending Policies of Informal, Formal, and Semi-formal Lenders: Evidence from Vietnam

NARCIS (Netherlands)

Lensink, B.W.; Pham, T.T.T.

2007-01-01

This paper compares lending policies of formal, informal and semiformal lenders with respect to household lending in Vietnam. The analysis suggests that the probability of using formal or semiformal credit increases if borrowers provide collateral, a guarantor and/or borrow for business-related

75 FR 81836 - Truth in Lending

Science.gov (United States)

2010-12-29

... the Truth in Lending Act (TILA) based on findings that economic stability would be enhanced and... MDIA is contained in Sections 2501 through 2503 of the Housing and Economic Recovery Act of 2008, Public Law 110-289, enacted on July 30, 2008. The MDIA was later amended by the Emergency Economic...

Test of the Bank Lending Channel: The Case of Poland

Directory of Open Access Journals (Sweden)

Yu HSING

2013-11-01

Full Text Available This paper tests the bank lending channel for Poland based on a simultaneousequation model consisting of demand for and supply of bank loans. The three-stage least squares method is employed in empirical work. This paper finds support for a bank lending channel for Poland. Expansionary monetary policy through a lower money market rate or open market purchase of government bonds to increase bank reserves/deposits would increase bank loan supply.

Industries and the bank lending effects of bank credit demand and monetary policy in Germany

NARCIS (Netherlands)

Raabe, K.; Arnold, I.J.M.; Kool, C.J.M.

2006-01-01

This paper presents evidence on the industry effects of bank lending in Germany and asks whether bank lending to single industries depends on industry-specific bank credit demand or on monetary policy as determinant of bank credit supply. To this end, we estimate individual bank lending functions

12 CFR 614.4100 - Policies governing lending through Federal land bank associations.

Science.gov (United States)

2010-01-01

... lending through Federal land bank associations. (a) Farm Credit Banks and agricultural credit banks may delegate authority to make credit decisions to Federal land bank associations that demonstrate the ability... Farm Credit Bank and each agricultural credit bank lending through Federal land bank associations shall...

Valuation of Urban Commercial Properties in Nigeria for Secured Lending: Issues and Developments

Directory of Open Access Journals (Sweden)

Namnso Bassey Udoekanem

2018-01-01

Full Text Available Valuation for secured lending is required when an interest in real property is used as security for a loan. The outcome of such valuation will help the lending institution to achieve commercial prudence in lending as well as avoid taking undue risk. This paper examines the issues and developments in the valuation of urban commercial properties in Nigeria for secured lending purposes. It argues that due to the volatile nature of the Nigerian economy, coupled with the linkage between the economy and commercial property markets, the maximum amount of loan to be granted by lenders in the country using interest in commercial property as collateral should be based on the Mortgage Lending Value (MLV and not the Market Value (MV of the property, although the market value should also be reported in the valuation. A case study is used to demonstrate the valuation. It further contends that since the inputs for determining the MLV of a commercial property must be derived from long-term trends in the property and financial markets, it is more stable than MV when used to determine the maximum amount of mortgage loan to be granted by a lender. It concludes that the stability of the MLV makes it more reliable than the MV in achieving commercial prudence in mortgage lending as it fits into the long-term nature of mortgage loan repayment.

From Formal Expertise to Co-expertise: Experience in the Field of Protection against Radiation

International Nuclear Information System (INIS)

Lochard, Jacques

2002-01-01

As a result of the growing difficulties confronting the heads of public and private high-risk activities, expertise practices have changed radically over the past years in the areas of risk assessment and management. In answer to the erosion of the credibility and legitimacy of traditional 'scientific' expertise, new forms of expertise based on citizen participation have emerged, particularly in fields involving public trust. The author's aim is to analyse the main changes in the field of radiological protection, on the basis of his 25 years of experience in the field. In conclusion, the author discusses the independence of expert assessment, an issue central to the present debate on the organization and practice of expertise in the field of high-risk activities

PRUDENTIAL CONSTRAINS OF BANKS LENDING ACTIVITIES AFTER FINANCIAL CRISIS

Directory of Open Access Journals (Sweden)

Roberto Ercegovac

2017-09-01

Full Text Available Both economic practice and economic theory are interested in analyzing the role of financial sector in promoting the economic development and economic growth. Commercial banks are the most important financial institutions in bank-based economies. The lending activities of commercial banks are limited by regulatory framework, management decisions and credit capacities of borrowers. Regulatory framework has been limited lending potentials of commercial banks because of capital requirements and liquidity management costs. Information asymmetry and adverse selection in decision-making enforce commercial banks to implement credit rationing process even in case of social significance of investment projects. Social responsibility of commercial banks cannot be measured according to the risk-taking activities. Banking financial intermediations have to keep the value of savings deposits under control and protect the stability of financial system. This paper will analyze the risk structure and prudential constrains of bank lending activities. To employ the credit capacity of commercial banks, it is necessary to extend guarantee schemes or promote the alternative financing opportunities in sharing the risk of accelerated growth.

31 CFR 800.303 - Lending transactions.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Lending transactions. 800.303 Section 800.303 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... the creation in the foreign person of a secured interest in securities or other assets of the U.S...

Lend Global, Fund Local? Price and Funding Cost Margins in Multinational Banking

NARCIS (Netherlands)

Galema, R.; Koetter, M.; Liesegang, C.

2016-01-01

In a proposed model of a multinational bank, interest margins determine local lending by foreign affiliates and the internal funding by parent banks. We exploit detailed parent-affiliate-level data of all German banks to empirically test our theoretical predictions in pre-crisis times. Local lending

A Method for Accounting for Risk in Lending

National Research Council Canada - National Science Library

Kobylski, Gerald

1997-01-01

..., or decreased to increase competitiveness? Many lending institutions, specifically furniture retailers, do not use scientific methods for determining their risk of payment defaults on loans to customers...

"Lines of Credit and Relationship Lending in Small Firm Finance"

OpenAIRE

Allen N. Berger; Gregory E. Udell

1994-01-01

This paper examines the role of relationship lending using a data set on small firm finance. The abilities to acquire private information over time about borrower quality and to use this information in designing debt contracts largely define the unique nature of commercial banking. Recently, a theoretical literature on relationship lending has appeared which provides predictions about how loan interest rates evolve over the course of a bank-borrower relationship. The study focuses on small, m...

Fuzzy Portfolio Selection Problem with Different Borrowing and Lending Rates

OpenAIRE

Chen, Wei; Yang, Yiping; Ma, Hui

2011-01-01

As we know, borrowing and lending risk-free assets arise extensively in the theory and practice of finance. However, little study has ever investigated them in fuzzy portfolio problem. In this paper, the returns of each assets are assumed to be fuzzy variables, then following the mean-variance approach, a new possibilistic portfolio selection model with different interest rates for borrowing and lending is proposed, in which the possibilistic semiabsolute deviation of the return is used to...

The committee of scientific expertise coordination; Le comite de coordination d'expertise scientifique

Energy Technology Data Exchange (ETDEWEB)

NONE

2003-07-01

Placed under the MIES control, the Committee of scientific expertise coordination defines the needs, the contain and the planing of expertises realized in function of Climate national and international decisions and negotiations calendars. The Committee verifies the different expertises and offers the administrations, scientific tools and techniques useful for the negotiations. It can also define long-dated research needs which require the scientific community mobilization. This paper provides some document of the Committee: objectives, operating and priorities of the Committee, scenarios ''Factor 4'' and ''crack technology'', perceptions and practices, developing countries (China, India...), Euromed. (A.L.B.)

Ensuring Economic Security in Lending Sphere

Directory of Open Access Journals (Sweden)

Ivan Vadimovich Kochikin

2016-06-01

Full Text Available Relevance of the topic is determined by the need for sustainable development of the country’s banking system, capable of ensuring the process of raising funds to producers and the public for their projects. One of the implementation of this objective is to discourage unfair behavior in financial markets. Trust is a key factor in the development of financial markets, therefore it is necessary to suppress the appearance of unfair practices and participants – black creditors, falsification of financial statements, trading on insider information and market manipulation. It requires a whole range of activities, and above all ensuring the inevitability and proportionality of punishment for unscrupulous players, the introduction of requirements for the business reputation of the management of financial institutions.The article is devoted to structuring legal violations in the lending sphere. The analysis of indicators of credit organizations in Russia was conducted to fulfill this aim. This analysis revealed the causes of sustainable growth of overdue accounts payable – job cuts in enterprises, violations in the financial sector, various errors in the credit granting / raising. The authors carry out the systematization and classification of offenses in the area of lending, provide examples, as well as factual material illustrating the violations in the lending process having the characteristics of a fraud. The article substantiates the obligations of employees of the credit institution, in the result of which risks of granting credit to fraudsters can be reduced. The methods of fraud prevention should include the identified methods of protection against fraud in the area under consideration – exchange of information by banks associated with the criminal intentions of customers; technology development and technical support, training, and personnel responsibilities.

Financial and estimating indicators for assessment of mortgage lending value

Directory of Open Access Journals (Sweden)

Antonio Benvenuti

2013-08-01

Full Text Available The article proposes a calculation criteria for the determination of the mortgage lending value which originates from the application of the financial method (direct capitalisation, by adopting a capitalisation rate calculated by means of the Debt Coverage Ratio (DCR, taking into consideration the criteria set out by the mortgage lending value, that is (i prudent appreciation of the future marketability, (ii normal and local market conditions, (iii current use and (iv long-term sustainability of the property.

40 CFR 1508.26 - Special expertise.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Special expertise. 1508.26 Section 1508.26 Protection of Environment COUNCIL ON ENVIRONMENTAL QUALITY TERMINOLOGY AND INDEX § 1508.26 Special expertise. Special expertise means statutory responsibility, agency mission, or related program...

Screening in new credit markets: can individual lenders infer borrower creditworthiness in peer-to-peer lending?

NARCIS (Netherlands)

Iyer, R.; Khwaja, A.I.; Luttmer, E.F.P.; Shue, K.

2009-01-01

The current banking crisis highlights the challenges faced in the traditional lending model, particularly in terms of screening smaller borrowers. The recent growth in online peer-to-peer lending marketplaces offers opportunities to examine different lending models that rely on screening by multiple

A prospective randomized trial of content expertise versus process expertise in small group teaching.

Science.gov (United States)

Peets, Adam D; Cooke, Lara; Wright, Bruce; Coderre, Sylvain; McLaughlin, Kevin

2010-10-14

Effective teaching requires an understanding of both what (content knowledge) and how (process knowledge) to teach. While previous studies involving medical students have compared preceptors with greater or lesser content knowledge, it is unclear whether process expertise can compensate for deficient content expertise. Therefore, the objective of our study was to compare the effect of preceptors with process expertise to those with content expertise on medical students' learning outcomes in a structured small group environment. One hundred and fifty-one first year medical students were randomized to 11 groups for the small group component of the Cardiovascular-Respiratory course at the University of Calgary. Each group was then block randomized to one of three streams for the entire course: tutoring exclusively by physicians with content expertise (n = 5), tutoring exclusively by physicians with process expertise (n = 3), and tutoring by content experts for 11 sessions and process experts for 10 sessions (n = 3). After each of the 21 small group sessions, students evaluated their preceptors' teaching with a standardized instrument. Students' knowledge acquisition was assessed by an end-of-course multiple choice (EOC-MCQ) examination. Students rated the process experts significantly higher on each of the instrument's 15 items, including the overall rating. Students' mean score (±SD) on the EOC-MCQ exam was 76.1% (8.1) for groups taught by content experts, 78.2% (7.8) for the combination group and 79.5% (9.2) for process expert groups (p = 0.11). By linear regression student performance was higher if they had been taught by process experts (regression coefficient 2.7 [0.1, 5.4], p teach first year medical students within a structured small group environment; preceptors with process expertise result in at least equivalent, if not superior, student outcomes in this setting.

Beyond Faces and Expertise

Science.gov (United States)

Zhao, Mintao; Bülthoff, Heinrich H.; Bülthoff, Isabelle

2016-01-01

Holistic processing—the tendency to perceive objects as indecomposable wholes—has long been viewed as a process specific to faces or objects of expertise. Although current theories differ in what causes holistic processing, they share a fundamental constraint for its generalization: Nonface objects cannot elicit facelike holistic processing in the absence of expertise. Contrary to this prevailing view, here we show that line patterns with salient Gestalt information (i.e., connectedness, closure, and continuity between parts) can be processed as holistically as faces without any training. Moreover, weakening the saliency of Gestalt information in these patterns reduced holistic processing of them, which indicates that Gestalt information plays a crucial role in holistic processing. Therefore, holistic processing can be achieved not only via a top-down route based on expertise, but also via a bottom-up route relying merely on object-based information. The finding that facelike holistic processing can extend beyond the domains of faces and objects of expertise poses a challenge to current dominant theories. PMID:26674129

Bargaining power and information in SME lending

NARCIS (Netherlands)

J. Grunert (Jens); L. Norden (Lars)

2012-01-01

textabstractSmall- and medium-sized enterprises (SMEs) are informationally opaque and bank dependent. In SME lending, banks largely rely on soft information, because the scale and scope of hard information are limited. We analyze whether and how hard and soft information affects the borrower's

Fuzzy Portfolio Selection Problem with Different Borrowing and Lending Rates

Directory of Open Access Journals (Sweden)

Wei Chen

2011-01-01

the returns of each assets are assumed to be fuzzy variables, then following the mean-variance approach, a new possibilistic portfolio selection model with different interest rates for borrowing and lending is proposed, in which the possibilistic semiabsolute deviation of the return is used to measure investment risk. The conventional probabilistic mean variance model can be transformed to a linear programming problem under possibility distributions. Finally, a numerical example is given to illustrate the modeling idea and the impact of borrowing and lending on optimal decision making.

12 CFR 560.170 - Records for lending transactions.

Science.gov (United States)

2010-01-01

... practices that: (a) Ensure that the institution can make an informed lending decision and can assess risk on... that any claims against a borrower, guarantor, security holders, and collateral are legally enforceable...

Effect of Information Asymmetry and Relationship Lending on ...

African Journals Online (AJOL)

Effect of Information Asymmetry and Relationship Lending on Financial ... from small- business- friendly financial institutions, hypotheses postulated by the ... a model of transaction costs of financial contracting that put into consideration the ...

Interbank Lending Decisions in An Economic Downturn: An Agent-Based Approach

Directory of Open Access Journals (Sweden)

Deddy P. Koesrindartoto

2012-01-01

Full Text Available Interbank lending is one mechanism that can make shock, which is accepted by one bank spread to other banks (contagion. There are several researchers that focused their research on analyzing the effect of interbank lending to systemic risk. However, there is a few research that analyzed the effect of banks’ decision maker’s behavior, especially on the bank interbank lending to the systemic risk. In this research, the author creates an agent-based  simulation of the banking system to analyze the effect of banks’ decision maker’s behavior to systemic risk in economic downturn condition. The preliminary result from this research is for an economic downturn in a long time period, the banking system with a low net worth to the asset's ratio threshold will produce more default bank than the banking system with a high net worth to the asset's ratio threshold. However, for an economic downturn in small time period, banking system which all bank in their system has the higher net worth to assets ratio threshold will have the default bank first than the banking system which has the lower net worth to the asset's ratio threshold. Keywords: agent-based simulation, banker behavior, interbank lending, economic downturn

Musical expertise and second language learning.

Science.gov (United States)

Chobert, Julie; Besson, Mireille

2013-06-06

Increasing evidence suggests that musical expertise influences brain organization and brain functions. Moreover, results at the behavioral and neurophysiological levels reveal that musical expertise positively influences several aspects of speech processing, from auditory perception to speech production. In this review, we focus on the main results of the literature that led to the idea that musical expertise may benefit second language acquisition. We discuss several interpretations that may account for the influence of musical expertise on speech processing in native and foreign languages, and we propose new directions for future research.

13 CFR 120.931 - 504 Lending limits.

Science.gov (United States)

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false 504 Lending limits. 120.931 Section 120.931 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development... enumerated in § 120.862(b) applies to the Project). [68 FR 57988, Oct. 7, 2003] ...

US politics and World Bank IDA-lending

DEFF Research Database (Denmark)

Andersen, Thomas Barnebeck; Hansen, Henrik; Markussen, Thomas

2006-01-01

This paper studies the role of US political factors in the allocation of World Bank concessional lending, where US political interests are proxied by voting similarity in the United Nations General Assembly on issues identified as important by the US Department of State. In contrast to previous...

International banking conglomerates and the transmission of lending shocks across borders

OpenAIRE

Gropp, Reint; Radev, Deyan

2017-01-01

We investigate how solvency and wholesale funding shocks to 84 OECD parent banks affect the lending of 375 foreign subsidiaries. We find that parent solvency shocks are more important than wholesale funding shocks for subsidiary lending. Furthermore, we find that parent undercapitalization does not affect the transmission of shocks, while wholesale shocks transmit to foreign subsidiaries of parents that rely primarily on wholesale funding. We also find that transmission is affected by the str...

The Importance of Domain-Specific Expertise in Creativity

Science.gov (United States)

Baer, John

2015-01-01

Although creativity and expertise are related, they are nonetheless very different things. Expertise does not usually require creativity, but creativity generally does require a certain level of expertise. There are similarities in the relationships of both expertise and creativity to domains, however. Research has shown that just as expertise in…

37 CFR 201.24 - Warning of copyright for software lending by nonprofit libraries.

Science.gov (United States)

2010-07-01

... software lending by nonprofit libraries. 201.24 Section 201.24 Patents, Trademarks, and Copyrights... copyright for software lending by nonprofit libraries. (a) Definition. A Warning of Copyright for Software... packaging that contains the computer program which is lent by a nonprofit library for nonprofit purposes. (b...

P2P Lending Risk Contagion Analysis Based on a Complex Network Model

Directory of Open Access Journals (Sweden)

Qi Wei

2016-01-01

Full Text Available This paper analyzes two major channels of P2P lending risk contagion in China—direct risk contagion between platforms and indirect risk contagion with other financial organizations as the contagion medium. Based on this analysis, the current study constructs a complex network model of P2P lending risk contagion in China and performs dynamics analogue simulations in order to analyze general characteristics of direct risk contagion among China’s online P2P lending platforms. The assumed conditions are that other financial organizations act as the contagion medium, with variations in the risk contagion characteristics set under the condition of significant information asymmetry in Internet lending. It is indicated that, compared to direct risk contagion among platforms, both financial organizations acting as the contagion medium and information asymmetry magnify the effect of risk contagion. It is also found that the superposition of media effects and information asymmetry is more likely to magnify the risk contagion effect.

Information from Relationship Lending : Evidence from China

NARCIS (Netherlands)

Chang, C.; Liao, G.; Yu, X.; Ni, Z.

2009-01-01

We study the economic role of banks’ soft information, which evolved from repeated lending relationships, in the context of loan default. Using a proprietary database from one of the largest state-owned commercial banks in China, we find that the bank’s internal credit rating scores play a

Anticorruption expertise of law-enforcement acts

Directory of Open Access Journals (Sweden)

Sergey B. Polyakov

2015-12-01

Full Text Available Objective to substantiate public necessity to define the subject methodological and organizational capabilities of anticorruption expertise of law enforcement acts. Methods universal dialecticmaterialistic method was used to study the needs in anticorruption expertise of law enforcement acts in the mechanism of legal regulation based on it general scientific and special formal legal and comparative legal methods of research used for the definition of subjectmatter of the proposed expertise. Results the value of anticorruption expertise of law enforcement was shown corruption factors and corruption indicators enabling legislation were identified ways of conducting such examinations were proposed. Scientific novelty the article examines the need and the subject proposes methods of a new type of anticorruption expertise. Practical significance the conditions of corruption are defined which are created in law enforcement activities and methods for their detection are proposed. nbsp

Handling Uncertainty in Social Lending Credit Risk Prediction with a Choquet Fuzzy Integral Model

OpenAIRE

Namvar, Anahita; Naderpour, Mohsen

2018-01-01

As one of the main business models in the financial technology field, peer-to-peer (P2P) lending has disrupted traditional financial services by providing an online platform for lending money that has remarkably reduced financial costs. However, the inherent uncertainty in P2P loans can result in huge financial losses for P2P platforms. Therefore, accurate risk prediction is critical to the success of P2P lending platforms. Indeed, even a small improvement in credit risk prediction would be o...

Relational Expertise in Participatory Design

DEFF Research Database (Denmark)

Dindler, Christian; Iversen, Ole Sejer

2014-01-01

This paper positions relation expertise as a core competence in participatory design. It is an expertise that demands the participatory designer to stimulate the emergence of loosely coupled knotworks, and obtain symbiotic agreement between participants disregarding their professional and social...

78 FR 17766 - Interagency Guidance on Leveraged Lending

Science.gov (United States)

2013-03-22

... high-level principles related to safe-and-sound leveraged lending activities, including underwriting considerations, assessing and documenting enterprise value, risk management expectations for credits awaiting distribution, stress- testing expectations, pipeline portfolio management, and risk management expectations for...

The committee of scientific expertise coordination; Le comite de coordination d'expertise scientifique

Energy Technology Data Exchange (ETDEWEB)

NONE

2003-07-01

Placed under the MIES control, the Committee of scientific expertise coordination defines the needs, the contain and the planing of expertises realized in function of Climate national and international decisions and negotiations calendars. The Committee verifies the different expertises and offers the administrations, scientific tools and techniques useful for the negotiations. It can also define long-dated research needs which require the scientific community mobilization. This paper provides some document of the Committee: objectives, operating and priorities of the Committee, scenarios ''Factor 4'' and ''crack technology'', perceptions and practices, developing countries (China, India...), Euromed. (A.L.B.)

The impact of SMEs’ lending and credit guarantee on bank efficiency in South Korea

Directory of Open Access Journals (Sweden)

Lien-Wen Liang

2017-12-01

Full Text Available This study examines how small and medium-size enterprises’ (SMEs’ lending and credit guarantee affect Korean banks’ efficiency, by employing the stochastic frontier approach on 14 banks over the period 2001–2010. When lending increases to SMEs, the findings indicate that banks’ cost efficiency decreases due to information asymmetry. However, the increased proportion of credit guarantee can improve their cost efficiency. This proves that South Korea’s credit guarantee system can indeed share SMEs’ credit risk of lending in order to help raise bank efficiency.

The Automation-by-Expertise-by-Training Interaction.

Science.gov (United States)

Strauch, Barry

2017-03-01

I introduce the automation-by-expertise-by-training interaction in automated systems and discuss its influence on operator performance. Transportation accidents that, across a 30-year interval demonstrated identical automation-related operator errors, suggest a need to reexamine traditional views of automation. I review accident investigation reports, regulator studies, and literature on human computer interaction, expertise, and training and discuss how failing to attend to the interaction of automation, expertise level, and training has enabled operators to commit identical automation-related errors. Automated systems continue to provide capabilities exceeding operators' need for effective system operation and provide interfaces that can hinder, rather than enhance, operator automation-related situation awareness. Because of limitations in time and resources, training programs do not provide operators the expertise needed to effectively operate these automated systems, requiring them to obtain the expertise ad hoc during system operations. As a result, many do not acquire necessary automation-related system expertise. Integrating automation with expected operator expertise levels, and within training programs that provide operators the necessary automation expertise, can reduce opportunities for automation-related operator errors. Research to address the automation-by-expertise-by-training interaction is needed. However, such research must meet challenges inherent to examining realistic sociotechnical system automation features with representative samples of operators, perhaps by using observational and ethnographic research. Research in this domain should improve the integration of design and training and, it is hoped, enhance operator performance.

The nature of expertise and human resource functions supporting expertise in nuclear industry organizations

International Nuclear Information System (INIS)

Rintala, N.; Katri, S.; Eila, J.; Pahkin, K.; Anneli, L.

2007-01-01

Full text: The nuclear industry worldwide faces the challenge of preserving the existing expertise, competence and knowledge despite of the ageing workforce and upcoming retirements. Challenges are also imposed by the reducing amount of new recruits and students entering the nuclear industry, which amounts to fewer young professionals that have the potential to become nuclear experts in the future. Although many other industries share similar challenges, the preservation of expertise in the nuclear industry is even more important due to the safety-critical nature of the nuclear operations and the special characteristics that high-reliability organizations such as nuclear power plants have. As a response to the risk of knowledge loss, nuclear organizations have engaged in knowledge capturing efforts. New information systems and organizational practices have been implemented to safeguard nuclear expertise. Recently, IAEA has proposed nuclear organizations to design and adopt people-centered programs that encompass themes such as workforce planning, recruitment, training, succession planning, leadership development and knowledge management. Thus, in order to address the current risks to nuclear expertise, attention should be focused on these different areas and corresponding human resources (HR) functions within the nuclear organizations. Our paper presents results from a project which examines the nature of expert work and human resources (HR) functions that support the development and preservation of expertise. The study adopts a qualitative cross-sectional case study design. Two organizational units from different nuclear industry organizations have been selected as cases. The research data will be gathered in April-May 2007 and preliminary results will be presented in the International Conference of Knowledge Management in Nuclear Facilities, in June 2007. The main data will comprise of thematic interviews to experts, their managers and HR representatives

The paradox of scientific expertise

DEFF Research Database (Denmark)

Alrøe, Hugo Fjelsted; Noe, Egon

2011-01-01

Modern societies depend on a growing production of scientific knowledge, which is based on the functional differentiation of science into still more specialised scientific disciplines and subdisciplines. This is the basis for the paradox of scientific expertise: The growth of science leads to a f...... cross-disciplinary research and in the collective use of different kinds of scientific expertise, and thereby make society better able to solve complex, real-world problems.......Modern societies depend on a growing production of scientific knowledge, which is based on the functional differentiation of science into still more specialised scientific disciplines and subdisciplines. This is the basis for the paradox of scientific expertise: The growth of science leads...... to a fragmentation of scientific expertise. To resolve this paradox, the present paper investigates three hypotheses: 1) All scientific knowledge is perspectival. 2) The perspectival structure of science leads to specific forms of knowledge asymmetries. 3) Such perspectival knowledge asymmetries must be handled...

The Vietnamese lending rate, policy-related rate, and monetary policy post-1997 Asian financial crisis

Directory of Open Access Journals (Sweden)

Chu V. Nguyen

2015-12-01

Full Text Available Asymmetries in the Vietnamese lending central bank’s policy-related rate spread were documented. Empirical results revealed that the spread adjusts to the threshold faster when the central bank’s policy-related rates decrease relative to the lending rates than when the central bank’s policy-related rates move in the opposite direction. Additionally, the empirical findings indicate that Vietnamese commercial banks exhibit competitive rate setting behavior which may be attributable to graft maximization by bank’s management. The results also show bidirectional Granger causality between the Vietnamese lending rate and the central bank’s policy-related rate, indicating that the lending rate and the central bank’s policy-related rate affect each other’s movements. These results suggest that monetary authority can use its countercyclical monetary policy instruments to achieve its macroeconomics objectives. However, the estimation results of the GARCH (2, 3-in-Mean model suggest that they should intervene more frequently and by small policy measures to minimize the conditional variance of the spread to minimize the magnitude of the cycle of the lending rate.

What Truth in Lending Means to You.

Science.gov (United States)

Board of Governors of the Federal Reserve System, Washington, DC.

Designed for the general public and possibly suitable also for high school economics students, this pamphlet discusses the provisions of the Truth in Lending Law. The act requires that creditors state credit charges in a uniform way. The pamphlet provides a brief description of finance charges and annual percentage rates. It also focuses on…

Expertise and Intuitions about Reference

Directory of Open Access Journals (Sweden)

Edouard Machery

2012-01-01

Full Text Available Many philosophers hold that experts’ semantic intuitions are more reliable and provide better evidence than lay people’s intuitions—a thesis commonly called “the Expertise Defense.” Focusing on the intuitions about the reference of proper names, this article critically assesses the Expertise Defense.

Digital gaming expertise

DEFF Research Database (Denmark)

Toft-Nielsen, Claus

In a digitally saturated environment digital media users of all kinds, engaged in different areas of activity, are increasingly categorized in terms of their ability to appropriate and use digital media – they are regarded as non-users, experts, natives, or literates for instance. Within communic......In a digitally saturated environment digital media users of all kinds, engaged in different areas of activity, are increasingly categorized in terms of their ability to appropriate and use digital media – they are regarded as non-users, experts, natives, or literates for instance. Within...... communication and game studies there are multiple understandings of how digital expertise is expressed and performed, and subsequently how these expressions and performances can be valued, understood and theorized within the research community. Among other things expertise with and within digital games has......-of-game (Schrøder, 2003) in a three-year-long study of men and women (couples and singles) playing the largest Massively Multiplayer Online Role-Playing Game to date, World of Warcraft. In focusing on how different aspects of gaming expertise are articulated, negotiated, and performed, I aim to illustrate how...

Joint liability lending and the peer selection effect

NARCIS (Netherlands)

Gangopadhyay, S; Ghatak, M; Lensink, R

2005-01-01

We show that the joint liability lending contracts derived in Ghatak (2000) violate an ex post incentive-compatibility constraint which says that the amount of joint liability cannot exceed the amount of individual liability. We derive and characterise optimal separating joint liability contracts

Who Gets the Credit? And Does it Matter? Household vs Firm Lending Across Countries

NARCIS (Netherlands)

Beck, T.H.L.; Büyükkarabacak, B.; Rioja, F.; Valev, N.

2009-01-01

While theory predicts different effects of household credit and enterprise credit on the economy, the empirical literature has mainly used aggregate measures of overall bank lending to the private sector. We construct a new dataset from 45 developed and developing countries, decomposing bank lending

Who gets the credit? And does it matter? Household vs firm lending across countries

NARCIS (Netherlands)

Beck, T.H.L.; Büyükkarabacak, B.; Rioja, F.; Valev, N.

2012-01-01

While theory predicts different effects of household credit and enterprise credit on the economy, the empirical literature has mainly used aggregate measures of overall bank lending to the private sector. We construct a new dataset from 45 developed and developing countries, decomposing bank lending

Online peer-to-peer lending and its implications for small business credit financing in Norway

OpenAIRE

Brekke, Henrik; Hagerud, Simon

2017-01-01

Masteroppgave(MSc) in Master of Science in Business, Strategy - Handelshøyskolen BI, 2017 This thesis seeks to explore how the emergence of online peer-to-peer (P2P) lending will impact small businesses lending in Norway. Increasing attention has been drawn to small businesses and their apparent struggle to obtain appropriate credit financing. At the same time, online P2P lending, part of the new wave of financial technologies, has been held up as a potential remedy for this cr...

Online peer-to-peer lending and its implications for small business credit financing in Norway

OpenAIRE

Brekke, Henrik; Hagerud, Simon

2017-01-01

This thesis seeks to explore how the emergence of online peer-to-peer (P2P) lending will impact small businesses lending in Norway. Increasing attention has been drawn to small businesses and their apparent struggle to obtain appropriate credit financing. At the same time, online P2P lending, part of the new wave of financial technologies, has been held up as a potential remedy for this credit rationing. Our research involves two main parts. First, we study the extent to whi...

A decision support model for investment on P2P lending platform.

Science.gov (United States)

Zeng, Xiangxiang; Liu, Li; Leung, Stephen; Du, Jiangze; Wang, Xun; Li, Tao

2017-01-01

Peer-to-peer (P2P) lending, as a novel economic lending model, has triggered new challenges on making effective investment decisions. In a P2P lending platform, one lender can invest N loans and a loan may be accepted by M investors, thus forming a bipartite graph. Basing on the bipartite graph model, we built an iteration computation model to evaluate the unknown loans. To validate the proposed model, we perform extensive experiments on real-world data from the largest American P2P lending marketplace-Prosper. By comparing our experimental results with those obtained by Bayes and Logistic Regression, we show that our computation model can help borrowers select good loans and help lenders make good investment decisions. Experimental results also show that the Logistic classification model is a good complement to our iterative computation model, which motivates us to integrate the two classification models. The experimental results of the hybrid classification model demonstrate that the logistic classification model and our iteration computation model are complementary to each other. We conclude that the hybrid model (i.e., the integration of iterative computation model and Logistic classification model) is more efficient and stable than the individual model alone.

A decision support model for investment on P2P lending platform.

Directory of Open Access Journals (Sweden)

Xiangxiang Zeng

Full Text Available Peer-to-peer (P2P lending, as a novel economic lending model, has triggered new challenges on making effective investment decisions. In a P2P lending platform, one lender can invest N loans and a loan may be accepted by M investors, thus forming a bipartite graph. Basing on the bipartite graph model, we built an iteration computation model to evaluate the unknown loans. To validate the proposed model, we perform extensive experiments on real-world data from the largest American P2P lending marketplace-Prosper. By comparing our experimental results with those obtained by Bayes and Logistic Regression, we show that our computation model can help borrowers select good loans and help lenders make good investment decisions. Experimental results also show that the Logistic classification model is a good complement to our iterative computation model, which motivates us to integrate the two classification models. The experimental results of the hybrid classification model demonstrate that the logistic classification model and our iteration computation model are complementary to each other. We conclude that the hybrid model (i.e., the integration of iterative computation model and Logistic classification model is more efficient and stable than the individual model alone.

Monetary policy, bank size and bank lending: evidence from Australia(new version)

OpenAIRE

liu, luke

2012-01-01

This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of cash rate change on lending of different types of loans. We found the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan.

Lending Officers' Decisions to Recommend Innovative Agricultural Technology.

Science.gov (United States)

McIntosh, Wm. Alex; Zey-Ferrell, Mary

1986-01-01

Path analysis examines an analytical model of decision making by lending officers of 211 Texas banks when recommending agricultural technology to farmer-clients. Model analyzes effects of loan officers' ascribed/achieved personal characteristics and perceptions of organizational constraints during three stages of decision process: using…

12 CFR 560.101 - Real estate lending standards.

Science.gov (United States)

2010-01-01

..., and reporting requirements to monitor compliance with the savings association's real estate lending... institutions' business plans and, when undertaken in a prudent manner, will not be subject to examiner... policies and strategic plan. Factors that should be considered include: • The size and financial condition...

78 FR 25818 - Truth in Lending (Regulation Z)

Science.gov (United States)

2013-05-03

... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1026 [Docket No. CFPB-2012-0039] RIN 3170-AA28 Truth in Lending (Regulation Z) AGENCY: Bureau of Consumer Financial Protection. ACTION: Final rule; official interpretations. SUMMARY: The Bureau of Consumer Financial Protection (Bureau) issues this final...

75 FR 58505 - Regulation Z; Truth in Lending

Science.gov (United States)

2010-09-24

.... Reasons for the Proposed Rule Congress enacted TILA based on findings that economic stability would be... and Regulation Z Congress enacted the Truth in Lending Act (TILA) based on findings that economic stability would be enhanced and competition among consumer credit providers would be strengthened by the...

Science, expertise, and democracy.

Science.gov (United States)

Weinberg, Justin; Elliott, Kevin C

2012-06-01

The combination of government's significant involvement in science, science's significant effects on the public, and public ignorance (of both politics and science) raise important challenges for reconciling scientific expertise with democratic governance. Nevertheless, there have recently been a variety of encouraging efforts to make scientific activity more responsive to social values and to develop citizens' capacity to engage in more effective democratic governance of science. This essay introduces a special issue of the Kennedy Institute of Ethics Journal, "Science, Expertise, and Democracy," consisting of five papers that developed from the inaugural Three Rivers Philosophy conference held at the University of South Carolina in April 2011. The pieces range from a general analysis of the in-principle compatibility of scientific expertise and democracy to much more concrete studies of the intersection between scientific practices and democratic values in areas such as weight-of-evidence analysis, climate science, and studies of locally undesirable land uses.

Expertise seeking

DEFF Research Database (Denmark)

Hertzum, Morten

2014-01-01

used sources. Studies repeatedly show the influence of the social network – of friendships and personal dislikes – on the expertise-seeking network of organisations. In addition, people are no less prominent than documentary sources, in work contexts as well as daily-life contexts. The relative...

Teacher expertise

DEFF Research Database (Denmark)

Rasmussen, Jens

Teacher Expertise: How to improve the relationship between Theory and Practice in Teacher Education Jens Rasmussen, Department of Education, Aarhus University In several studies and reports it has been nailed over and over that teachers’ matter. So this is not the question in this study. The ques......Teacher Expertise: How to improve the relationship between Theory and Practice in Teacher Education Jens Rasmussen, Department of Education, Aarhus University In several studies and reports it has been nailed over and over that teachers’ matter. So this is not the question in this study....... The question is how teacher preparation leads to effective teachers. The study Expert in Teaching paid special attention to the intention of connecting coursework more directly to practice in pre-service teacher education. The overall objective of the study was to strengthen the relationship between theory...... that the three parties (college teachers, practice teachers and teacher students) found it difficult to perform and maintain their different roles....

Beyond Faces and Expertise: Facelike Holistic Processing of Nonface Objects in the Absence of Expertise.

Science.gov (United States)

Zhao, Mintao; Bülthoff, Heinrich H; Bülthoff, Isabelle

2016-02-01

Holistic processing-the tendency to perceive objects as indecomposable wholes-has long been viewed as a process specific to faces or objects of expertise. Although current theories differ in what causes holistic processing, they share a fundamental constraint for its generalization: Nonface objects cannot elicit facelike holistic processing in the absence of expertise. Contrary to this prevailing view, here we show that line patterns with salient Gestalt information (i.e., connectedness, closure, and continuity between parts) can be processed as holistically as faces without any training. Moreover, weakening the saliency of Gestalt information in these patterns reduced holistic processing of them, which indicates that Gestalt information plays a crucial role in holistic processing. Therefore, holistic processing can be achieved not only via a top-down route based on expertise, but also via a bottom-up route relying merely on object-based information. The finding that facelike holistic processing can extend beyond the domains of faces and objects of expertise poses a challenge to current dominant theories. © The Author(s) 2015.

Voxel Size, Dependent Measures, Or Similarity to Faces? Review and Comparison of various Possibilities on Explaining the Mixed FFA-Expertise Correlation Results

Directory of Open Access Journals (Sweden)

Chun-Chia Kung

2011-05-01

Full Text Available One of the unsolved debates in imaging neuroscience is whether the fusiform face area, or FFA, is specific to faces or also to the objects of expertise category. The extant literature shows that more studies reporting failures of finding significant expertise-FFA correlations, seemingly supportive of the face specificity hypothesis of FFA. However, systematic comparisons of these literature suggest that at least part of the reasons might be due to the inter-study differences on voxel size differences (3×3×7 vs. 3×3×3 mm3, for example, various dependent measures (e.g, summed t-scores vs. beta coefficients, and different indices of measures, such as [Birds minus Objects] vs. [Birds vs. Cars], or similarity of expertise stimuli (e.g., Greebles vs. birds/cars to faces. All these differences have yet to be systematically compared, and in this study we re-analyzed two lab-owned dataset (one has been found a positive and significant FFA-expertise correlation, another not by resampling into 3 different voxel sizes (3×3×3, 3×3×5, and 3×3×7 mm3, with 3 dependent measures (summed-t, beta, and percent signal changes. Our results suggest that one should always list, and hopefully examine, all the possible source of variations before final conclusion.

Powering Ideas through Expertise

DEFF Research Database (Denmark)

Seabrooke, Leonard; Wigan, Duncan

2016-01-01

policy. Corporate reporting for tax purposes is an area where the European Union, Organization for Economic Co-operation and Development, the United Nations, large global accountancy firms and non-governmental organizations have been active. The point of contention here is what form of financial...... reporting multinational corporations should provide to ensure they pay their fair share of tax. Ideas powered by expertise contain shared causal beliefs, as well as principled beliefs about value systems. We demonstrate that professionals can contest the established order when demonstrations of expertise...

Advanced HVAC modeling with FemLab/Simulink/MatLab

NARCIS (Netherlands)

Schijndel, van A.W.M.

2003-01-01

The combined MatLab toolboxes FemLab and Simulink are evaluated as solvers for HVAC problems based on partial differential equations (PDEs). The FemLab software is designed to simulate systems of coupled PDEs, 1-D, 2-D or 3-D, nonlinear and time dependent. In order to show how the program works, a

12 CFR Appendix III to Part 27 - Fair Housing Lending Inquiry/Application Log Sheet

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Fair Housing Lending Inquiry/Application Log Sheet III Appendix III to Part 27 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR HOUSING HOME LOAN DATA SYSTEM Pt. 27, App. III Appendix III to Part 27—Fair Housing Lending...

Rapid knowledge assessment (RKA): Assessing students content knowledge through rapid, in class assessment of expertise

Science.gov (United States)

O'Connell, Erin

Understanding how students go about problem solving in chemistry lends many possible advantages for interventions in teaching strategies for the college classroom. The work presented here is the development of an in-classroom, real-time, formative instrument to assess student expertise in chemistry with the purpose of developing classroom interventions. The development of appropriate interventions requires the understanding of how students go about starting to solve tasks presented to them, what their mental effort (load on working memory) is, and whether or not their performance was accurate. To measure this, the Rapid Knowledge Assessment (RKA) instrument uses clickers (handheld electronic instruments for submitting answers) as a means of data collection. The classroom data was used to develop an algorithm to deliver student assessment scores, which when correlated to external measure of standardized American Chemical Society (ACS) examinations and class score show a significant relationship between the accuracy of knowledge assessment (p=0.000). Use of eye-tracking technology and student interviews supports the measurements found in the classroom.

LENDING IN FOREIGN CURRENCY AND CURRENT CHALLENGES AT EUROPEAN LEVEL

Directory of Open Access Journals (Sweden)

ȘARGU Alina Camelia

2012-12-01

Full Text Available In recent years, most countries in Central and Eastern Europe, Member States of the EU, that we selected for the analysis (Bulgaria, Czech Republic, Estonia, Hungary, Latvia, Lithuania, Poland, Romania have recorded a significant expansion of lending in foreign currency, which was one of the major factors of the accelerated growth of loans to economy. Such developments have led to an increase of indebtedness in foreign currency of the non-financial private sector, especially of the households and of the accumulation of major macroeconomics and financial imbalances. The issue of lending in foreign currency, the determinants of increasing the share of loans in foreign currency and the risks generated at the level of financial stability are the subject of numerous studies, including: Basso, Calvo-Gonzales and Jurgilas (2007; Rosenberg and Tirpak (2008; Csajbók-Andras et al. (2010; Zettelmeyer, Nagy and Jeffrey (2010. Another significant issue addressed in the specialized literature regarding foreign currency loans refers to the role of monetary policy in limiting growth of these loans. Thus, in addition to those noted studies we remark other studies, such as: Kiss et al. (2006; Sirtaine and Skamnelos (2007; Hilbers et al. (2006; Brzoza-Brzezina et al. (2010. Our paper complements the specialized literature on the approached subject, in particular, by highlighting and discussing current issues of high interest for policymakers, both at national and European level regarding lending in foreign currency. The extremely negative implications of lending in foreign currency on financial stability in most countries under review, outlined clearly in the context of the current crisis, determined the focus of the policymakers concern, both at European and national level, regarding the issue of foreign currency loans, which became one of the most discussed issues on the agenda of the monetary-financial authorities. The aim of our research is to

75 FR 58469 - Regulation Z; Truth in Lending

Science.gov (United States)

2010-09-24

... Congress enacted the Truth in Lending Act (TILA) based on findings that economic stability would be... 2503 of the Housing and Economic Recovery Act of 2008, Public Law 110-289, enacted on July 30, 2008. The MDIA was later amended by the Emergency Economic Stabilization Act of 2008, Public Law 110-343...

Empirical Analysis of Effects of Bank Mergers and Acquisitions on Small Business Lending in Nigeria

Science.gov (United States)

Ita, Asuquo Akabom

2012-11-01

Mergers and acquisitions are the major instruments of the recent banking reforms in Nigeria.The effects and the implications of the reforms on the lending practices of merged banks to small businesses were considered in this study. These effects were divided into static and dynamic effects (restructuring, direct and external). Data were collected by cross-sectional research design and were subsequently analyzed by the ordinary least square (OLS) method.The analyses show that bank size, financial characteristics and deposit of non-merged banks are positively related to small business lending. While for the merged banks, the reverse is the case. From the above result, it is evident that merger and acquisition have not only static effect on small business lending but also dynamic effect, therefore, given the central position of small businesses in the current government policy on industrialization in Nigeria, policy makers in Nigeria, should consider both the static and dynamic effects of merger and acquisition on small business lending in their policy thrust.

Vision Lab

Data.gov (United States)

Federal Laboratory Consortium — The Vision Lab personnel perform research, development, testing and evaluation of eye protection and vision performance. The lab maintains and continues to develop...

The committee of scientific expertise coordination

International Nuclear Information System (INIS)

2003-01-01

Placed under the MIES control, the Committee of scientific expertise coordination defines the needs, the contain and the planing of expertises realized in function of Climate national and international decisions and negotiations calendars. The Committee verifies the different expertises and offers the administrations, scientific tools and techniques useful for the negotiations. It can also define long-dated research needs which require the scientific community mobilization. This paper provides some document of the Committee: objectives, operating and priorities of the Committee, scenarios ''Factor 4'' and ''crack technology'', perceptions and practices, developing countries (China, India...), Euromed. (A.L.B.)

Development of professional expertise in optometry.

Science.gov (United States)

Faucher, Caroline

2011-04-01

Development of professional expertise is the gradual transition from novice to expert within a profession. Studies on expertise in the profession of optometry have never been published. However, many studies have been performed in other health professions (e.g., nursing, medicine, physical therapy, occupational therapy). This report is an overview of the development of professional expertise that will highlight some applications for optometry. A 5-level scale of professional expertise development, divided into 2 parts, is described. The first part is the progression of students during their professional studies (novice, intermediate, competent). The second part is the professional development occurring during the practice years (advanced, expert). Personal and collective efforts are required to foster the progression toward expertise. Great interest for the profession, motivation, and deliberate practice are individual attitudes that help this progression. The "optometric community of practice," by means of university (professional) training, continuing education, and collaboration between colleagues, also contributes to this process. Professional development is an integral part of the Optometric Oath. Each clinical case is a potential learning experience contributing to one's professional development. Optometrists' attitudes are predominant factors in the progression from one level to another. Copyright © 2011 American Optometric Association. Published by Elsevier Inc. All rights reserved.

The causal effect of restrictive bank lending on employment growth: A matching approach

OpenAIRE

Kleemann, Michael; Wiegand, Manuel

2013-01-01

Does restrictive bank lending cause lower employment growth at the firm-level or does it reflect firm characteristics that drive the deterioration of employment figures? Applying propensity score matching, we estimate the treatment effect of restrictive bank lending on employment growth. Combining balance sheet information and survey data on a firm's current and expected future business situation, we rule out the impact of firm heterogeneity. We find that credit constraints have a significant...

Does Discretion in Lending Increase Bank Risk? Borrower Self-Selection and Loan Officer Capture Effects

NARCIS (Netherlands)

Gropp, R.; Grundl, C.; Guttler, A.

2012-01-01

Abstract: In this paper we analyze whether discretionary lending increases bank risk. We use a panel dataset of matched bank and borrower data. It offers the chief advantages that we can directly identify soft information in banks’ lending decisions and that we observe ex post defaults of borrowers.

Does Discretion in Lending Increase Bank Risk? Borrower Self-Selection and Loan Officer Capture Effects

NARCIS (Netherlands)

Gropp, R.; Grundl, C.; Guttler, A.

2012-01-01

In this paper we analyze whether discretionary lending increases bank risk. We use a panel dataset of matched bank and borrower data. It offers the chief advantages that we can directly identify soft information in banks’ lending decisions and that we observe ex post defaults of borrowers.Consistent

Emergent Expertise?

Science.gov (United States)

McGivern, Patrick

2014-01-01

The concept of emergence appears in various places within the literature on expertise and expert practice. Here, I examine some of these applications of emergence in the light of two prominent accounts of emergence from the philosophy of science and philosophy of mind. I evaluate these accounts with respect to several specific contexts in which…

Designing inquiry learning spaces for online labs in the Go-Lab platform

NARCIS (Netherlands)

de Jong, Ton; Gillet, Dennis; Sotiriou, Sofoklis; Agogi, Ellinogermaniki; Zacharia, Zacharias

2015-01-01

The Go-Lab project (http://www.go-lab-project.eu/) aims to enable the integration of online labs through inquiry-based learning approaches into science classrooms. Through the use of an advanced plug and play technological solution the Go-Lab project opens up remote science laboratories, data

Economic policy uncertainty, credit risks and banks lending decisions: Evidence from Chinese commercial banks

Institute of Scientific and Technical Information of China (English)

Qinwei Chi; Wenjing Li

2017-01-01

Using data for Chinese commercial banks from 2000 to 2014, this paper examines the effects of economic policy uncertainty(EPU) on banks’ credit risks and lending decisions. The results reveal significantly positive connections among EPU and non-performing loan ratios, loan concentrations and the normal loan migration rate. This indicates that EPU increases banks’ credit risks and negatively influences loan size, especially for joint-equity banks. Given the increasing credit risks generated by EPU, banks can improve operational performance by reducing loan sizes. Further research indicates that the effects of EPU on banks’ credit risks and lending decisions are moderated by the marketization level, with financial depth moderating the effect on banks’ credit risks and strengthening it on lending decisions.

78 FR 18795 - Truth in Lending (Regulation Z)

Science.gov (United States)

2013-03-28

... of credit at account opening. The consumer is also required to pay a cash advance fee that is equal... amount equal to any fees the consumer was required to pay with respect to the account that exceed 25... Regulation Z, which implements the Truth in Lending Act, and the Official Interpretations of the regulation...

[Traumatic brain injuries--forensic and expertise aspects].

Science.gov (United States)

Vuleković, Petar; Simić, Milan; Misić-Pavkov, Gordana; Cigić, Tomislav; Kojadinović, Zeljko; Dilvesi, Dula

2008-01-01

Traumatic brain injuries have major socio-economic importance due to their frequency, high mortality and serious consequences. According to their nature the consequences of these injuries may be classified as neurological, psychiatric and esthetic. Various lesions of brain structures cause neurological consequences such as disturbance of motor functions, sensibility, coordination or involuntary movements, speech disturbances and other deviations, as well as epilepsy. Psychiatric consequences include cognitive deficit, emotional disturbances and behavior disturbances. CRIMINAL-LEGAL ASPECT OF TRAUMATIC BRAIN INJURIES AND LITIGATION: Criminal-legal aspect of traumatic brain injuries expertise understands the qualification of these injuries as mild, serious and qualified serious body injuries as well as the expertise about the mechanisms of their occurrence. Litigation expertise includes the estimation of pain, fear, diminished, i.e. lost vital activity and disability, esthetic marring, and psychological suffer based on the diminished general vital activity and esthetic marring. Evaluation of consequences of traumatic brain injuries should be performed only when it can be positively confirmed that they are permanent, i.e. at least one year after the injury. Expertise of these injuries is interdisciplinary. Among clinical doctors the most competent medical expert is the one who is in charge for diagnostics and injury treatment, with the recommendation to avoid, if possible, the doctor who conducted treatment. For the estimation of general vital activity, the neurological consequences, pain and esthetic marring expertise, the most competent doctors are neurosurgeon and neurologist. Psychological psychiatric consequences and fear expertise have to be performed by the psychiatrist. Specialists of forensic medicine contribute with knowledge of criminal low and legal expertise.

Optimal Joint Liability Lending and with Costly Peer Monitoring

NARCIS (Netherlands)

Carli, Francesco; Uras, R.B.

2014-01-01

This paper characterizes an optimal group loan contract with costly peer monitoring. Using a fairly standard moral hazard framework, we show that the optimal group lending contract could exhibit a joint-liability scheme. However, optimality of joint-liability requires the involvement of a group

Group lending and the role of the group leader

NARCIS (Netherlands)

Eijkel, van R.; Hermes, N.; Lensink, B.W.

2011-01-01

This paper investigates strategic monitoring behavior within group lending. We show that monitoring efforts of group members differ in equilibrium due to the asymmetry between members in terms of future profits. In particular, we show that the entrepreneur with the highest future profits also puts

Group lending and the role of the group leader

NARCIS (Netherlands)

van Eijkel, R.; Hermes, C.L.M.; Lensink, B.W.

This paper investigates strategic monitoring behavior within group lending. We show that monitoring efforts of group members differ in equilibrium due to the asymmetry between members in terms of future profits. In particular, we show that the entrepreneur with the highest future profits also puts

Detangling Value: A study into the benefits of using in-house CSR expertise compared with the benefits of using CSR consultancy expertise

OpenAIRE

MacCarthy, Jennifer

2007-01-01

Abstract The topic of Corporate Social Responsibility (CSR) is an area with an increasing breadth of literature. However, literature regarding how CSR expertise is sourced for developing CSR projects and programmes within companies is distinctly weak. This study takes, arguably, the two most predominant forms of CSR expertise, in-house CSR expertise and CSR consultancies, and investigates what value these different types of expertise offer in sourcing for CSR activities. Bey...

Designing Education for Professional Expertise Development

Science.gov (United States)

Elvira, Quincy; Imants, Jeroen; Dankbaar, Ben; Segers, Mien

2017-01-01

How to facilitate learning by novices (students) on their road to expertise has attracted the attention of a vast number of researchers in cognitive and educational psychology as well in the field of learning and instruction. Although many studies have investigated the phenomenon of expertise development, the implications of the findings for…

Money Lending Law and Regulation of Consumer Credit in Nigeria ...

African Journals Online (AJOL)

Money lending is an indispensible consumer credit device in Nigeria as it is elsewhere. ... (borrowers), but that they also unduly fetter the lenders, which development is bad for modern business efficacy. ... AJOL African Journals Online.

Innovations in STEM education: the Go-Lab federation of online labs

NARCIS (Netherlands)

de Jong, Anthonius J.M.; Sotiriou, Sofoklis; Gillet, Dennis

2014-01-01

The Go-Lab federation of online labs opens up virtual laboratories (simulation), remote laboratories (real equipment accessible at distance) and data sets from physical laboratory experiments (together called “online labs”) for large-scale use in education. In this way, Go-Lab enables inquiry-based

Lending booms, reserves, and the sustainability of short-term debt - inferences from the pricing of syndicated bank loans

OpenAIRE

Eichengreen, Barry; Mody, Ashoka

1999-01-01

Academics pay little attention to international bank lending, focusing instead on rapidly growing market segments such as the international bond market and derivative credit instruments. The authors argue for paying more attention to international bank lending. Why? Three reasons. First, the syndicated bank loan is one of the workhorses of international capital markets. Second, international bank lending is especially important for private-sector borrowers, whose participation in internationa...

Expertise in physiological breech birth: A mixed-methods study.

Science.gov (United States)

Walker, Shawn; Parker, Pam; Scamell, Mandie

2018-06-01

The safety of vaginal breech birth depends on the expertise of birth attendants, yet the meaning of "expertise" remains unclear and subjectively defined. The objective of this study was to define expertise and the roles experts may play in expanding access to this service. We performed an integrative analysis of two strands of data concerning expertise in physiological breech birth, including the following: survey data from a Delphi study involving 26 very experienced clinicians (mean experience = 135 breech births) and 2 service user representatives, and interviews from a grounded theory study of 14 clinicians more moderately experienced with physiological methods (5-30 upright breech births). Data were pooled and analyzed using constant comparative methods. Expertise is defined by its ongoing function, the generation of comparatively good outcomes, and confidence and competence among colleagues. Although clinical experience is important, expertise is developed and expressed in social clinical roles, which expand as experience grows: clinician, mentor, specialist, and expert. To develop expertise within a service, clinicians who have an interest in breech birth should be supported to perform these roles within specialist teams. Specialist breech teams may facilitate the development of expertise within maternity care settings. Evaluation of expertise based on enablement of women and colleagues, as well as outcomes, will potentially avoid the pitfalls of alienation produced by some forms of specialist authority. © 2017 Wiley Periodicals, Inc.

Public Lab: Community-Based Approaches to Urban and Environmental Health and Justice.

Science.gov (United States)

Rey-Mazón, Pablo; Keysar, Hagit; Dosemagen, Shannon; D'Ignazio, Catherine; Blair, Don

2018-05-03

This paper explores three cases of Do-It-Yourself, open-source technologies developed within the diverse array of topics and themes in the communities around the Public Laboratory for Open Technology and Science (Public Lab). These cases focus on aerial mapping, water quality monitoring and civic science practices. The techniques discussed have in common the use of accessible, community-built technologies for acquiring data. They are also concerned with embedding collaborative and open source principles into the objects, tools, social formations and data sharing practices that emerge from these inquiries. The focus is on developing processes of collaborative design and experimentation through material engagement with technology and issues of concern. Problem-solving, here, is a tactic, while the strategy is an ongoing engagement with the problem of participation in its technological, social and political dimensions especially considering the increasing centralization and specialization of scientific and technological expertise. The authors also discuss and reflect on the Public Lab's approach to civic science in light of ideas and practices of citizen/civic veillance, or "sousveillance", by emphasizing people before data, and by investigating the new ways of seeing and doing that this shift in perspective might provide.

Strategic investments in non-communicable diseases (NCD) research in Africa: the GSK Africa NCD Open Lab.

Science.gov (United States)

Hall, Matthew D; Dufton, Ann M; Katso, Roy M; Gatsi, Sally A; Williams, Pauline M; Strange, Michael E

2015-01-01

In March 2014, GSK announced a number of new strategic investments in Africa. One of these included investment of up to 25 million Pounds Sterling (£25 million) to create the world's first R&D Open Lab to increase understanding of non-communicable diseases (NCDs) in Africa. The vision is to create a new global R&D effort with GSK working in partnership with major funders, academic centres and governments to share expertise and resources to conduct high-quality research. The Africa NCD Open Lab will see GSK scientists collaborate with scientific research centres across Africa. An independent advisory board of leading scientists and clinicians will provide input to develop the strategy and selection of NCD research projects within a dynamic and networked open-innovation environment. It is hoped that these research projects will inform prevention and treatment strategies in the future and will enable researchers across academia and industry to discover and develop new medicines to address the specific needs of African patients.

How signaling and search costs affect information asymmetry in P2P lending: the economics of big data

OpenAIRE

Yan, Jiaqi; Yu, Wayne; Zhao, J. Leon

2015-01-01

In the past decade, online Peer-to-Peer (P2P) lending platforms have transformed the lending industry, which has been historically dominated by commercial banks. Information technology breakthroughs such as big data-based financial technologies (Fintech) have been identified as important disruptive driving forces for this paradigm shift. In this paper, we take an information economics perspective to investigate how big data affects the transformation of the lending industry. By identifying ho...

Micro-lending for small farmers in Bangladesh

OpenAIRE

Rashid, Shahidur; Sharma, Manohar; Zeller, Manfred

2002-01-01

It has been long hypothesized that lack of access to credit is the main reason why, despite higher profitability of High Yielding Varieties (HYVs), farmers in developing countries continue to allocate a portion of their land to traditional crop varieties. The empirical testing of this hypothesis has generated a large body of literature with differing conclusions. This paper re-examines the issue in the context of a specially designed group-based lending program for small farmers in Bangladesh...

Macroeconomics and FinTech: Uncovering Latent Macroeconomic Effects on Peer-to-Peer Lending

OpenAIRE

Foo, Jessica; Lim, Lek-Heng; Wong, Ken Sze-Wai

2017-01-01

Peer-to-peer (P2P) lending is a fast growing financial technology (FinTech) trend that is displacing traditional retail banking. Studies on P2P lending have focused on predicting individual interest rates or default probabilities. However, the relationship between aggregated P2P interest rates and the general economy will be of interest to investors and borrowers as the P2P credit market matures. We show that the variation in P2P interest rates across grade types are determined by three macro...

Powering Ideas through Expertise

DEFF Research Database (Denmark)

Seabrooke, Leonard; Wigan, Duncan

2016-01-01

This contribution discusses how ideas are powered through expertise and moral authority. Professionals compete with each other to power ideas by linking claims to expertise, how things best work, to moral claims about how things should be. To show how, we draw on a case of battles over global tax...... policy. Corporate reporting for tax purposes is an area where the European Union, Organization for Economic Co-operation and Development, the United Nations, large global accountancy firms and non-governmental organizations have been active. The point of contention here is what form of financial...... can be fused with claims to moral authority. Such a constellation is more likely when political conditions are favourable....

PD Lab

NARCIS (Netherlands)

Bilow, Marcel; Entrop, Alexis Gerardus; Lichtenberg, Jos; Stoutjesdijk, Pieter

2015-01-01

PD Lab explores the applications of building sector related product development. PD lab investigates and tests digital production technologies like CNC milled wood connections. It will also act as a platform in its wider meaning to investigate the effects and influences of file to factory

The Development of Sport Expertise: From Leeds to MVP Legend.

Science.gov (United States)

Thomas, Katherine Thomas

1994-01-01

Contributions of motor skill and cognition to sport performance change across age, expertise, and sports. Knowledge and decision making should not limit the development of expertise. Specific strategies for teachers may help students develop expertise. The paper discusses the contribution of knowledge and skill to expertise and its development.…

Preserving skills and expertise for nuclear safety

International Nuclear Information System (INIS)

Storey, P.

2002-01-01

Full text: For many decades to come the international nuclear sector will require a wide range of highly trained, experienced and competent personnel. However, with the decline in the availability of nuclear expertise which is being felt in many countries, maintaining safety competence for both the industry and the regulator becomes a difficult challenge. Assessing the extent of the decline now and predicting what is the likely need for expertise in the future is an important task for all countries. Assessment should take account of likely scenarios for change in the nuclear industry and should aim to identify areas of expertise most likely to be at risk. International Agencies are playing a key role in raising awareness about regulatory concern and are starting to coordinate response and exchange good practice. Regulatory responsibility for preserving skills and expertise and International Agency leadership are essential for a successful outcome to the issue. (author)

17 CFR 240.3a5-3 - Exemption from the definition of “dealer” for banks engaging in securities lending transactions.

Science.gov (United States)

2010-04-01

... effects securities lending transactions, and any securities lending services in connection with such... replaced within one business day by another lending or borrowing transaction involving the same securities... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Exemption from the definition...

Pre-agreement assessment as a responsible lending tool in South Africa, the EU and Belgium :Part 1

Directory of Open Access Journals (Sweden)

Corlia Maritha van Heerden

2018-03-01

Full Text Available Responsible lending has become a very pertinent issue on the agenda of credit regulators across the globe who seek to combat the causes of consumer over-indebtedness. In this context the use of "pre-agreement assessment" as a tool to filter out those instances where, based on a consumer's creditworthiness or ability to repay, credit should not be granted to such a consumer, is a feature common to the lending regimes of various jurisdictions. This contribution consists of two parts: Part 1 provides a critical discussion of the reckless credit provisions of the National Credit Act 34 of 2005. Part 2 details the responsible lending measures contained in the EU Consumer Credit Directive and the EU Mortgage Credit Directive and provides an appraisal of the responsible lending measures introduced by Belgium, being a jurisdiction that has always been very pro-active in the context of consumer credit protection.

Pre-Agreement Assessment as a Responsible Lending Tool in South-Africa, the EU and Belgium: Part 2

Directory of Open Access Journals (Sweden)

Corlia M van Heerden

2018-03-01

Full Text Available Responsible lending has become a very pertinent issue on the agenda of credit regulators across the globe who seek to combat the causes of consumer over-indebtedness. In this context the use of "pre-agreement assessment" as a tool to filter out those instances where, based on a consumer's creditworthiness or ability to repay, credit should not be granted to such a consumer, is a feature common to the lending regimes of various jurisdictions. This contribution consists of two parts: Part 1 provides a critical discussion of the reckless credit provisions of the National Credit Act 34 of 2005. Part 2 details the responsible lending measures contained in the EU Consumer Credit Directive and the EU Mortgage Credit Directive and provides an appraisal of the responsible lending measures introduced by Belgium, being a jurisdiction that has always been very pro-active in the context of consumer credit protection.

Using Highlighting to Train Attentional Expertise.

Science.gov (United States)

Roads, Brett; Mozer, Michael C; Busey, Thomas A

2016-01-01

Acquiring expertise in complex visual tasks is time consuming. To facilitate the efficient training of novices on where to look in these tasks, we propose an attentional highlighting paradigm. Highlighting involves dynamically modulating the saliency of a visual image to guide attention along the fixation path of a domain expert who had previously viewed the same image. In Experiment 1, we trained naive subjects via attentional highlighting on a fingerprint-matching task. Before and after training, we asked subjects to freely inspect images containing pairs of prints and determine whether the prints matched. Fixation sequences were automatically scored for the degree of expertise exhibited using a Bayesian discriminative model of novice and expert gaze behavior. Highlighted training causes gaze behavior to become more expert-like not only on the trained images but also on transfer images, indicating generalization of learning. In Experiment 2, to control for the possibility that the increase in expertise is due to mere exposure, we trained subjects via highlighting of fixation sequences from novices, not experts, and observed no transition toward expertise. In Experiment 3, to determine the specificity of the training effect, we trained subjects with expert fixation sequences from images other than the one being viewed, which preserves coarse-scale statistics of expert gaze but provides no information about fine-grain features. Observing at least a partial transition toward expertise, we obtain only weak evidence that the highlighting procedure facilitates the learning of critical local features. We discuss possible improvements to the highlighting procedure.

Using Highlighting to Train Attentional Expertise.

Directory of Open Access Journals (Sweden)

Brett Roads

Full Text Available Acquiring expertise in complex visual tasks is time consuming. To facilitate the efficient training of novices on where to look in these tasks, we propose an attentional highlighting paradigm. Highlighting involves dynamically modulating the saliency of a visual image to guide attention along the fixation path of a domain expert who had previously viewed the same image. In Experiment 1, we trained naive subjects via attentional highlighting on a fingerprint-matching task. Before and after training, we asked subjects to freely inspect images containing pairs of prints and determine whether the prints matched. Fixation sequences were automatically scored for the degree of expertise exhibited using a Bayesian discriminative model of novice and expert gaze behavior. Highlighted training causes gaze behavior to become more expert-like not only on the trained images but also on transfer images, indicating generalization of learning. In Experiment 2, to control for the possibility that the increase in expertise is due to mere exposure, we trained subjects via highlighting of fixation sequences from novices, not experts, and observed no transition toward expertise. In Experiment 3, to determine the specificity of the training effect, we trained subjects with expert fixation sequences from images other than the one being viewed, which preserves coarse-scale statistics of expert gaze but provides no information about fine-grain features. Observing at least a partial transition toward expertise, we obtain only weak evidence that the highlighting procedure facilitates the learning of critical local features. We discuss possible improvements to the highlighting procedure.

Effects of expertise on football betting.

Science.gov (United States)

Khazaal, Yasser; Chatton, Anne; Billieux, Joël; Bizzini, Lucio; Monney, Grégoire; Fresard, Emmanuelle; Thorens, Gabriel; Bondolfi, Guido; El-Guebaly, Nady; Zullino, Daniele; Khan, Riaz

2012-05-11

Football (soccer) is one of the most popular sports in the world, including Europe. It is associated with important betting activities. A common belief, widely spread among those who participate in gambling activities, is that knowledge and expertise on football lead to better prediction skills for match outcomes. If unfounded, however, this belief should be considered as a form of "illusion of control." The aim of this study was to examine whether football experts are better than nonexperts at predicting football match scores. Two hundred and fifty-eight persons took part in the study: 21.3% as football experts, 54.3% as laypersons (non-initiated to football), and 24.4% as football amateurs. They predicted the scores of the first 10 matches of the 2008 UEFA European Football Championship. Logistic regressions were carried out to assess the link between the accuracy of the forecasted scores and the expertise of the participants (expert, amateur, layperson), controlling for age and gender. The variables assessed did not predict the accuracy of scoring prognosis (R2 ranged from 1% to 6%). Expertise, age, and gender did not appear to have an impact on the accuracy of the football match prognoses. Therefore, the belief that football expertise improves betting skills is no more than a cognitive distortion called the "illusion of control." Gamblers may benefit from psychological interventions that target the illusion of control related to their believed links between betting skills and football expertise. Public health policies may need to consider the phenomenon in order to prevent problem gambling related to football betting.

Expertise and age-related changes in components of intelligence.

Science.gov (United States)

Masunaga, H; Horn, J

2001-06-01

In a sample of 263 male GO players at 48 levels of expertise and ranging from 18 to 78 years of age, it was found that factors of expertise deductive reasoning (EDR) and expertise working memory (EWM) were independent of factors of fluid reasoning (Gf) and short-term working memory (STWM) that, along with cognitive speed (Gs), have been found to characterize decline of intelligence in adulthood. The main effects of analyses of cross-sectional age differences indicated age-related decline in EDR and EWM as well as in Gf, STWM, and Gs. However, interaction and partialing analyses indicated that decline in EDR and EWM decreased to no decline with increase in level of expertise. The results thus suggest that with increase in factors known to raise the level of expertise--particularly, intensive, well-designed practice--there may be no age-related decline in the intelligence that is measured in the abilities of expertise.

Kinematic Labs with Mobile Devices

Science.gov (United States)

Kinser, Jason M.

2015-07-01

This book provides 13 labs spanning the common topics in the first semester of university-level physics. Each lab is designed to use only the student's smartphone, laptop and items easily found in big-box stores or a hobby shop. Each lab contains theory, set-up instructions and basic analysis techniques. All of these labs can be performed outside of the traditional university lab setting and initial costs averaging less than 8 per student, per lab.

Determinants of default in p2p lending: the Mexican case

Directory of Open Access Journals (Sweden)

Carlos Eduardo Canfield

2018-03-01

Full Text Available P2P lending is a new method of informal finance that uses the internet to directly connect borrowers with on-line communities. With a unique dataset provided by Prestadero, the largest on-line lending platform with national presence in Mexico, this research explores the effect of credit scores and other variables related to loan and borrower´s traits, in determining default behavior in P2P lending. Moreover, using a logistic regression model, it tested whether investors might benefit from screening loan applicants by gender after controlling for loan quality. The results showed that information provided by the platform is relevant for analyzing credit risk, yet not conclusive. In congruence with the literature, on a scale going from the safest to the riskiest, loan quality is positively associated with default behavior. Other determinants for increasing the odds of default are the payment-to-income ratio and refinancing on the same platform. On the contrary loan purpose and being a female applicant reduce such odds. No categorical evidence for differential default behavior was found for gender´s case-discrimination, under equal credit conditions. However it was found that controlling for loan quality, women have longer loan survival times than men. This is one of the first studies about debt crowdfunding in Latin America and Mexico. Implications for lenders, researchers and policy-makers are also discussed.

Adjustment of interbank lending in pre- and post-regulation periods: Empirical analysis of Vietnamese commercial banks

Directory of Open Access Journals (Sweden)

Ho Thanh Tung

2017-10-01

Full Text Available This article aims to analyze the interbank lending adjustment during the period when Vietnamese commercial banks are compliant with some parts of the Basel regulation framework. A pilot regulation period has started in 2011 and full application will be effective by the end of 2018. Partial adjustment models and variance decomposition are used for the analyses. In the analysis of the quarterly released financial statements of Vietnamese commercial banks in the period from 2008/Q1 to 2015/Q4, the empirical evidence showed that throughout the period, lending to non-bank and high liquidity assets contributed to the adjustment in both long run and short run with a negative association. In addition, the loan loss allowance contributed to the adjustment in the post-regulation period only with a positive association. These highly contributing factors also show a potential shock after the adjustment of the interbank lending. The results imply there is a need for interbank lending portfolio report and an efficient control over the IRB of Vietnamese commercial banks.

Thoughts on Expertise.

Science.gov (United States)

Glaser, Robert

This paper briefly reviews research on tasks in knowledge-rich domains including developmental studies, work in artificial intelligence, studies of expert/novice problem solving, and information processing analysis of aptitude test tasks that have provided increased understanding of the nature of expertise. Particularly evident is the finding that…

EIB lends EUR 300 million for CERN's major collider

CERN Multimedia

2002-01-01

"The European Investment Bank (EIB) is lending EUR 300 million to finance the final phase of construction of the Large Hadron Collider (LHC) at CERN, the European Organization for Nuclear Research. The EIB loan will also help to finance the instrumentation to record and analyse the high-energy particle collisions at the LHC" (1 page).

The group-lending model and social closure: microcredit, exclusion, and health in Bangladesh.

Science.gov (United States)

Schurmann, Anna T; Johnston, Heidi Bart

2009-08-01

According to social exclusion theory, health risks are positively associated with involuntary social, economic, political and cultural exclusion from society. In this paper, a social exclusion framework has been used, and available literature on microcredit in Bangladesh has been reviewed to explore the available evidence on associations among microcredit, exclusion, and health outcomes. The paper addresses the question of whether participation in group-lending reduces health inequities through promoting social inclusion. The group-lending model of microcredit is a development intervention in which small-scale credit for income-generation activities is provided to groups of individuals who do not have material collateral. The paper outlines four pathways through which microcredit can affect health status: financing care in the event of health emergencies; financing health inputs such as improved nutrition; as a platform for health education; and by increasing social capital through group meetings and mutual support. For many participants, the group-lending model of microcredit can mitigate exclusionary processes and lead to improvements in health for some; for others, it can worsen exclusionary processes which contribute to health disadvantage.

The Group-lending Model and Social Closure: Microcredit, Exclusion, and Health in Bangladesh

Science.gov (United States)

Johnston, Heidi Bart

2009-01-01

According to social exclusion theory, health risks are positively associated with involuntary social, economic, political and cultural exclusion from society. In this paper, a social exclusion framework has been used, and available literature on microcredit in Bangladesh has been reviewed to explore the available evidence on associations among microcredit, exclusion, and health outcomes. The paper addresses the question of whether participation in group-lending reduces health inequities through promoting social inclusion. The group-lending model of microcredit is a development intervention in which small-scale credit for income-generation activities is provided to groups of individuals who do not have material collateral. The paper outlines four pathways through which microcredit can affect health status: financing care in the event of health emergencies; financing health inputs such as improved nutrition; as a platform for health education; and by increasing social capital through group meetings and mutual support. For many participants, the group-lending model of microcredit can mitigate exclusionary processes and lead to improvements in health for some; for others, it can worsen exclusionary processes which contribute to health disadvantage. PMID:19761085

Teachers' Perspectives on Online Virtual Labs vs. Hands-On Labs in High School Science

Science.gov (United States)

Bohr, Teresa M.

This study of online science teachers' opinions addressed the use of virtual labs in online courses. A growing number of schools use virtual labs that must meet mandated laboratory standards to ensure they provide learning experiences comparable to hands-on labs, which are an integral part of science curricula. The purpose of this qualitative case study was to examine teachers' perceptions of the quality and effectiveness of high school virtual labs. The theoretical foundation was constructivism, as labs provide student-centered activities for problem solving, inquiry, and exploration of phenomena. The research questions focused on experienced teachers' perceptions of the quality of virtual vs. hands-on labs. Data were collected through survey questions derived from the lab objectives of The Next Generation Science Standards . Eighteen teachers rated the degree of importance of each objective and also rated how they felt virtual labs met these objectives; these ratings were reported using descriptive statistics. Responses to open-ended questions were few and served to illustrate the numerical results. Many teachers stated that virtual labs are valuable supplements but could not completely replace hands-on experiences. Studies on the quality and effectiveness of high school virtual labs are limited despite widespread use. Comprehensive studies will ensure that online students have equal access to quality labs. School districts need to define lab requirements, and colleges need to specify the lab experience they require. This study has potential to inspire positive social change by assisting science educators, including those in the local school district, in evaluating and selecting courseware designed to promote higher order thinking skills, real-world problem solving, and development of strong inquiry skills, thereby improving science instruction for all high school students.

ASM LabCap's contributions to disease surveillance and the International Health Regulations (2005).

Science.gov (United States)

Specter, Steven; Schuermann, Lily; Hakiruwizera, Celestin; Sow, Mah-Séré Keita

2010-12-03

The revised International Health Regulations [IHR(2005)], which requires the Member States of the World Health Organization (WHO) to develop core capacities to detect, assess, report, and respond to public health threats, is bringing new challenges for national and international surveillance systems. As more countries move toward implementation and/or strengthening of their infectious disease surveillance programs, the strengthening of clinical microbiology laboratories becomes increasingly important because they serve as the first line responders to detect new and emerging microbial threats, re-emerging infectious diseases, the spread of antibiotic resistance, and the possibility of bioterrorism. In fact, IHR(2005) Core Capacity #8, "Laboratory", requires that laboratory services be a part of every phase of alert and response.Public health laboratories in many resource-constrained countries require financial and technical assistance to build their capacity. In recognition of this, in 2006, the American Society for Microbiology (ASM) established an International Laboratory Capacity Building Program, LabCap, housed under the ASM International Board. ASM LabCap utilizes ASM's vast resources and its membership's expertise-40,000 microbiologists worldwide-to strengthen clinical and public health laboratory systems in low and low-middle income countries. ASM LabCap's program activities align with HR(2005) by building the capability of resource-constrained countries to develop quality-assured, laboratory-based information which is critical to disease surveillance and the rapid detection of disease outbreaks, whether they stem from natural, deliberate or accidental causes.ASM LabCap helps build laboratory capacity under a cooperative agreement with the U.S. Centers for Disease Control and Prevention (CDC) and under a sub-contract with the Program for Appropriate Technology in Health (PATH) funded by the United States Agency for International Development (USAID

OpenLabNotes

DEFF Research Database (Denmark)

List, Markus; Franz, Michael; Tan, Qihua

2015-01-01

be advantageous if an ELN was Integrated with a laboratory information management system to allow for a comprehensive documentation of experimental work including the location of samples that were used in a particular experiment. Here, we present OpenLabNotes, which adds state-of-the-art ELN capabilities to Open......LabFramework, a powerful and flexible laboratory information management system. In contrast to comparable solutions, it allows to protect the intellectual property of its users by offering data protection with digital signatures. OpenLabNotes effectively Closes the gap between research documentation and sample management......, thus making Open-Lab Framework more attractive for laboratories that seek to increase productivity through electronic data management....

Transforming LEND leadership training curriculum through the maternal and child health leadership competencies.

Science.gov (United States)

Humphreys, Betsy P; Couse, Leslie J; Sonnenmeier, Rae M; Kurtz, Alan; Russell, Susan M; Antal, Peter

2015-02-01

The purpose of this article is to describe how the Maternal and Child Health (MCH) Leadership Competencies (v 3.0) were used to examine and improve an MCH Leadership Education in Neurodevelopmental and Related Disabilities (LEND) training curriculum for New Hampshire and Maine. Over 15 % of the nation's children experience neurodevelopmental disabilities or special health care needs and estimates suggest 1 in every 68 children is diagnosed with an autism spectrum disorder. Across the Unites States critical shortages of qualified MCH professionals exist, particularly in poor and rural areas. A continued investment in training interdisciplinary leaders is critical. The MCH Leadership Competencies provide an effective foundation for leadership training through identification of requisite knowledge, skills, and dispositions required of MCH leaders. This paper describes a three-step process, which began in 2010 and included utilizing the MCH Leadership Competencies as a tool to reflect on, develop, and evaluate the NH LEND leadership curriculum. Curriculum development was further supported through participation in a multi-state learning collaborative. Through a series of intentional decisions, the curriculum design of NH LEND utilized the competencies and evidence-based principles of instruction to engage trainees in the development of specific MCH content knowledge and leadership skills. The LEND network specifically, and MCH leadership programs more broadly, may benefit from the intentional use of the MCH competencies to assist in curriculum development and program evaluation, and as a means to support trainees in identifying specific leadership goals and evaluating their leadership skill development.

Conflict Resolution and Public Participation Center of Expertise

Data.gov (United States)

Federal Laboratory Consortium — On October 17, 2008, the Conflict Resolution and Public Participation Center (CPCX) was named a Corps Center of Expertise (CX) and Directory of Expertise (DX). The...

Effects of expertise on football betting

Directory of Open Access Journals (Sweden)

Khazaal Yasser

2012-05-01

Full Text Available Abstract Background Football (soccer is one of the most popular sports in the world, including Europe. It is associated with important betting activities. A common belief, widely spread among those who participate in gambling activities, is that knowledge and expertise on football lead to better prediction skills for match outcomes. If unfounded, however, this belief should be considered as a form of “illusion of control.” The aim of this study was to examine whether football experts are better than nonexperts at predicting football match scores. Methods Two hundred and fifty-eight persons took part in the study: 21.3% as football experts, 54.3% as laypersons (non-initiated to football, and 24.4% as football amateurs. They predicted the scores of the first 10 matches of the 2008 UEFA European Football Championship. Logistic regressions were carried out to assess the link between the accuracy of the forecasted scores and the expertise of the participants (expert, amateur, layperson, controlling for age and gender. Results The variables assessed did not predict the accuracy of scoring prognosis (R2 ranged from 1% to 6%. Conclusions Expertise, age, and gender did not appear to have an impact on the accuracy of the football match prognoses. Therefore, the belief that football expertise improves betting skills is no more than a cognitive distortion called the “illusion of control.” Gamblers may benefit from psychological interventions that target the illusion of control related to their believed links between betting skills and football expertise. Public health policies may need to consider the phenomenon in order to prevent problem gambling related to football betting.

Toward a multifactorial model of expertise: beyond born versus made.

Science.gov (United States)

Hambrick, David Z; Burgoyne, Alexander P; Macnamara, Brooke N; Ullén, Fredrik

2018-02-15

The debate over the origins of individual differences in expertise has raged for over a century in psychology. The "nature" view holds that expertise reflects "innate talent"-that is, genetically determined abilities. The "nurture" view counters that, if talent even exists, its effects on ultimate performance are negligible. While no scientist takes seriously a strict nature-only view of expertise, the nurture view has gained tremendous popularity over the past several decades. This environmentalist view holds that individual differences in expertise reflect training history, with no important contribution to ultimate performance by innate ability ("talent"). Here, we argue that, despite its popularity, this view is inadequate to account for the evidence concerning the origins of expertise that has accumulated since the view was first proposed. More generally, we argue that the nature versus nurture debate in research on expertise is over-or certainly should be, as it has been in other areas of psychological research for decades. We describe a multifactorial model for research on the nature and nurture of expertise, which we believe will provide a progressive direction for future research on expertise. © 2018 New York Academy of Sciences.

A comparative study on real lab and simulation lab in communication engineering from students' perspectives

Science.gov (United States)

Balakrishnan, B.; Woods, P. C.

2013-05-01

Over the years, rapid development in computer technology has engendered simulation-based laboratory (lab) in addition to the traditional hands-on (physical) lab. Many higher education institutions adopt simulation lab, replacing some existing physical lab experiments. The creation of new systems for conducting engineering lab activities has raised concerns among educators on the merits and shortcomings of both physical and simulation labs; at the same time, many arguments have been raised on the differences of both labs. Investigating the effectiveness of both labs is complicated, as there are multiple factors that should be considered. In view of this challenge, a study on students' perspectives on their experience related to key aspects on engineering laboratory exercise was conducted. In this study, the Visual Auditory Read and Kinetic model was utilised to measure the students' cognitive styles. The investigation was done through a survey among participants from Multimedia University, Malaysia. The findings revealed that there are significant differences for most of the aspects in physical and simulation labs.

Virtual Reality Lab Assistant

Science.gov (United States)

Saha, Hrishikesh; Palmer, Timothy A.

1996-01-01

Virtual Reality Lab Assistant (VRLA) demonstration model is aligned for engineering and material science experiments to be performed by undergraduate and graduate students in the course as a pre-lab simulation experience. This will help students to get a preview of how to use the lab equipment and run experiments without using the lab hardware/software equipment. The quality of the time available for laboratory experiments can be significantly improved through the use of virtual reality technology.

Management control of credit risk in the bank lending process

NARCIS (Netherlands)

Scheffer, S.B.

2004-01-01

Management control of credit risk in the bank lending processA casestudy to explore improvements from a managerial perspectiveAt the start of this project -back in 1998- new technologies and ideas were emerging among a new generation of financial engineering professionals who have been applying

The Internet, Bank Structure and Small Business Lending

OpenAIRE

Steven G. Craig; Polly T. Hardee

2002-01-01

The advent of the Internet has opened many opportunities for bankers to access new customers, increase convenience and expand product ranges in many markets, including that of small businesses. Yet anecdotal evidence reveals that smaller banks are reluctant to employ Internet technology in the small business market for fear of damaging the customer relationship developed through personal contact. These smaller, more simply structured banks tend to specialize in small business lending, possess...

How Collateral Laws Shape Lending and Sectoral Activity

OpenAIRE

Calomiris, Charles W.; Larrain, Mauricio; Liberti, José; Sturgess, Jason

2015-01-01

This paper investigates the effect of cross-country differences in collateral laws regarding movable assets on lending and sectoral allocation of resources. Using micro-level loan data for a sample of emerging market countries we show that loan-to-values of loans collateralized with movable assets are on average 21 percentage points higher in countries with strong-collateral laws relative to immovable assets. Further, stronger collateral laws tilt collateral composition away from immovable to...

Negotiating knowledges and expertise in refugee resettlement organizations

Directory of Open Access Journals (Sweden)

Sarah Steimel

2016-12-01

Full Text Available Interviews with both refugees and organizational staff in two nonprofit refugee resettlement organizations in the United States reveal the ways in which knowledge(s and expertise are crafted, threatened, and understood in refugee organizations. Refugee-participants described the need for knowledgeable communication, barriers to the communication of knowledge, and processes of negotiating whose expertise is involved. Organizational staff participants described the duty of communicating expert knowledge, the limits of knowledge as expertise, and alternative communications of expertise. These tensions surrounding “knowing” in refugee resettlement organizations highlights the need for a more complex theoretical understanding of the processes of knowing present in refugee resettlement. These tensions also suggest areas in which refugee resettlement agencies and other nonprofit staff can make on-the-ground changes to better facilitate refugee resettlement processes.

P2P Network Lending, Loss Given Default and Credit Risks

Directory of Open Access Journals (Sweden)

Guangyou Zhou

2018-03-01

Full Text Available Peer-to-peer (P2P network lending is a new mode of internet finance that still holds credit risk as its main risk. According to the internal rating method of the New Basel Accord, in addition to the probability of default, loss given default is also one of the important indicators of evaluation credit risks. Proceeding from the perspective of loss given default (LGD, this paper conducts an empirical study on the probability distribution of LGDs of P2P as well as its influencing factors with the transaction data of Lending Club. The results show that: (1 the LGDs of P2P loans presents an obvious unimodal distribution, the peak value is relatively high and tends to concentrate with the decrease of the borrower’s credit rating, indicating that the distribution of LGDs of P2P lending is similar to that of unsecured bonds; (2 The total asset of the borrower has no significant impact on LGD, the credit rating and the debt-to-income ratio exert a significant negative impact, while the term and amount of the loan produce a relatively strong positive impact. Therefore, when evaluating the borrower’s repayment ability, it is required to pay more attention to its assets structure rather than the size of its total assets. When carrying out risk control for the P2P platform, it is necessary to give priority to the control of default rate.

Correlates of Success in World Bank Development Policy Lending

OpenAIRE

Moll, Peter; Geli, Patricia; Saavedra, Pablo

2015-01-01

This paper examines the correlates of success of development policy lending operations of the World Bank between 2004 and 2012. The paper uses a data set constructed of individual loan characteristics and ex-post loan ratings produced by the World Bank's Independent Evaluation Group. Departing from the related literature, the paper focuses mostly on examining the impact of loan characteris...

Kyiv institutional buildings sector energy efficiency program: Lending and implementation assessment

Energy Technology Data Exchange (ETDEWEB)

Secrest, T.J.; Freeman, S.L. [Pacific Northwest National Lab., Richland, WA (United States); Popelka, A. [Tysak Engineering, Acton, MA (United States); Shestopal, P.A.; Gagurin, E.V. [Agency for Rational Energy Use and Ecology, Kyiv (Ukraine)

1997-08-01

The government of Ukraine, through the State Committee of Energy Conservation (State Committee), is considering the implementation of energy efficiency measures in state and municipal institutional buildings in the city of Kyiv. The State Committee entered into a Memorandum of Cooperation with the US Department of Energy (DOE) to conduct an assessment of the institutional buildings sector efficiency potential. This assessment will be used to support a potential loan by the World Bank for implementing a buildings efficiency improvement program in Kyiv. This report provides an assessment of the options for structuring the lending scenarios and the implementation of the program. Components to the lending structure are options for the disbursement of funds, options for the loan service, and other financial options and considerations. Program implementation includes management structures, reporting, installation activities, and post-installation activities such as training and verification.

Programs and Expertise

CERN Document Server

2001-01-01

Description of programs and expertise implemented by Radiation Protection Centre is presented. RPC implements study assessing the doses received by air crew members of Lithuanian Airlines. In 2001 RPC started measurements of indoor radon concentrations in the houses of regions with karst formations, commenced new program analyzing amounts of radionuclides in typical diet of hospital patients.

The Impact of Organizational Structure and Lending Technology on Banking Competition

NARCIS (Netherlands)

Degryse, H.A.; Laeven, L.; Ongena, S.

2006-01-01

Recent theoretical models argue that a bank's organizational structure reflects its lending technology.A hierarchically organized bank will employ mainly hard information, whereas a decentralized bank will rely more on soft information.We investigate theoretically and empirically how bank

12 CFR 31.2 - Insider lending restrictions and reporting requirements.

Science.gov (United States)

2010-01-01

... contained in 12 CFR part 215. (b) Enforcement. The Comptroller of the Currency administers and enforces... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Insider lending restrictions and reporting requirements. 31.2 Section 31.2 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY...

LabVIEW 8 student edition

CERN Document Server

Bishop, Robert H

2007-01-01

For courses in Measurement and Instrumentation, Electrical Engineering lab, and Physics and Chemistry lab. This revised printing has been updated to include new LabVIEW 8.2 Student Edition. National Instruments' LabVIEW is the defacto industry standard for test, measurement, and automation software solutions. With the Student Edition of LabVIEW, students can design graphical programming solutions to their classroom problems and laboratory experiments with software that delivers the graphical programming capabilites of the LabVIEW professional version. . The Student Edition is also compatible with all National Instruments data acquisition and instrument control hardware. Note: The LabVIEW Student Edition is available to students, faculty, and staff for personal educational use only. It is not intended for research, institutional, or commercial use. For more information about these licensing options, please visit the National Instruments website at (http:www.ni.com/academic/)

Collateral and its Substitutes in Emerging Markets' Lending

OpenAIRE

Lukas Menkhoff; Doris Neuberger; Ornsiri Rungruxsirivorn

2011-01-01

Due to opaque information and weak enforcement in emerging loan markets, the need for collateral is high, whereas borrowers lack adequate assets to pledge as collateral. How is this puzzle solved? We find for a representative sample from Northeast Thailand that indeed most loans do not include any tangible assets as collateral. Instead, lenders enforce collateral-free loans through third-party guarantees and relationship lending, but also through modifying loan terms, such as reducing loan si...

Microtechnology in Space: NASA's Lab-on-a-Chip Applications Development Program

Science.gov (United States)

Monaco, Lisa; Spearing, Scott; Jenkins, Andy; Symonds, Wes; Mayer, Derek; Gouldie, Edd; Wainwright, Norm; Fries, Marc; Maule, Jake; Toporski, Jan

2004-01-01

NASA's Marshall Space Flight Center (MSFC) Lab on a Chip Application Development LOCAD) team has worked with microfluidic technology for the past few years in an effort to support NASA's Mission. In that time, such microfluidic based Lab-on-a-Chip (LOC) systems have become common technology in clinical and diagnostic laboratories. The approach is most attractive due to its highly miniaturized platform and ability to perform reagent handling (i-e., dilution, mixing, separation) and diagnostics for multiple reactions in an integrated fashion. LOCAD, along with Caliper Life Sciences has successfully developed the first LOC device for macromolecular crystallization using a workstation acquired specifically for designing custom chips, the Caliper 42. LOCAD uses this, along with a novel MSFC-designed and built workstation for microfluidic development. The team has a cadre of LOC devices that can be used to perform initial feasibility testing to determine the efficacy of the LOC approach for a specific application. Once applicability has been established, the LOCAD team, along with the Army's Aviation and Missile Command microfabrication facility, can then begin to custom design and fabricate a device per the user's specifications. This presentation will highlight the LOCAD team's proven and unique expertise that has been utilized to provide end to end capabilities associated with applying microfluidics for applications that include robotic life detection instrumentation, crew health monitoring and microbial and environmental monitoring for human Exploration.

Bank Lending, Housing and Spreads

DEFF Research Database (Denmark)

Aslam, Aqib; Santoro, Emiliano

The framework presented in this paper takes its cue from recent financial events and attempts to develop a tractable framework for policy analysis of macro-linkages, in particular a first attempt at the integration of an independent profit-maximising banking sector that lends to and borrows from...... agents in the economy, and through which changes in the monetary policy rate by the central bank are transmitted. The inter-linkages between housing and the role of the banking sector in the transmission of monetary policy is emphasized. Two competing effects are highlighted: (i) a financial accelerator...... channel, due to the presence of collateralized borrowers, and (ii) a banking attenuator effect, which crucially arises from the spread in interest rates caused by the introduction of monopolistically competitive financial intermediaries. We show how the classical amplification mechanism explored in models...

A new rejection of moral expertise.

Science.gov (United States)

Cowley, Christopher

2005-01-01

There seem to be two clearly-defined camps in the debate over the problem of moral expertise. On the one hand are the "Professionals", who reject the possibility entirely, usually because of the intractable diversity of ethical beliefs. On the other hand are the "Ethicists", who criticise the Professionals for merely stipulating science as the most appropriate paradigm for discussions of expertise. While the subject matter and methodology of good ethical thinking is certainly different from that of good clinical thinking, they argue, this is no reason for rejecting the possibility of a distinctive kind of expertise in ethics, usually based on the idea of good justification. I want to argue that both are incorrect, partly because of the reasons given by one group against the other, but more importantly because both neglect what is most distinctive about ethics: that it is personal in a very specific way, without collapsing into relativism.

Expertise in chess

OpenAIRE

Gobet, F

2006-01-01

This chapter provides an overview of research into chess expertise. After an historical background and a brief description of the game and the rating system, it discusses the information processes enabling players to choose good moves, and in particular the trade-offs between knowledge and search. Other topics include blindfold chess, talent, and the role of deliberate practice and tournament experience.

Lab at Home: Hardware Kits for a Digital Design Lab

Science.gov (United States)

Oliver, J. P.; Haim, F.

2009-01-01

An innovative laboratory methodology for an introductory digital design course is presented. Instead of having traditional lab experiences, where students have to come to school classrooms, a "lab at home" concept is proposed. Students perform real experiments in their own homes, using hardware kits specially developed for this purpose. They…

Nature always lends a hand; interview

NARCIS (Netherlands)

Stive, M.; Panhuijsen, J.

2012-01-01

Professor Marcel Stive’s voice is heard and respected in many a delta. As a scientist, consultant and creator of the sand engine, he is putting his stamp on the Dutch coast of the future. Other countries – including Vietnam – are eager to draw on his expertise. “You can’t pull any tricks.”

Cone-beam micro-CT system based on LabVIEW software.

Science.gov (United States)

Ionita, Ciprian N; Hoffmann, Keneth R; Bednarek, Daniel R; Chityala, Ravishankar; Rudin, Stephen

2008-09-01

Construction of a cone-beam computed tomography (CBCT) system for laboratory research usually requires integration of different software and hardware components. As a result, building and operating such a complex system require the expertise of researchers with significantly different backgrounds. Additionally, writing flexible code to control the hardware components of a CBCT system combined with designing a friendly graphical user interface (GUI) can be cumbersome and time consuming. An intuitive and flexible program structure, as well as the program GUI for CBCT acquisition, is presented in this note. The program was developed in National Instrument's Laboratory Virtual Instrumentation Engineering Workbench (LabVIEW) graphical language and is designed to control a custom-built CBCT system but has been also used in a standard angiographic suite. The hardware components are commercially available to researchers and are in general provided with software drivers which are LabVIEW compatible. The program structure was designed as a sequential chain. Each step in the chain takes care of one or two hardware commands at a time; the execution of the sequence can be modified according to the CBCT system design. We have scanned and reconstructed over 200 specimens using this interface and present three examples which cover different areas of interest encountered in laboratory research. The resulting 3D data are rendered using a commercial workstation. The program described in this paper is available for use or improvement by other researchers.

Prescribing safety, negotiating expertise

International Nuclear Information System (INIS)

Rolina, Gregory

2010-01-01

Owing to their presumed impact on the safety of high-risk installations, the interactions between regulators and the regulated are a major but seldom explored subject of research in risk management. A study by experts on human and organizational factors in nuclear safety sheds light on the various phases (and their effects) of the process whereby experts produce assessments. Light is shed on a 'negotiated expertise' typical of the French style of safety regulations in nuclear installations. It is based on an ongoing technical dialog between experts and operators ('French cooking' for Anglo-Saxons). This analysis of 'expertise' and thus of the 'logics of action' implemented by experts proposes a typology of actions that can be transposed to other sorts of risk or other fields of activity. It hands us the keys for understanding a very contemporary activity. (author)

Labs not in a lab: A case study of instructor and student perceptions of an online biology lab class

Science.gov (United States)

Doiron, Jessica Boyce

Distance learning is not a new phenomenon but with the advancement in technology, the different ways of delivering an education have increased. Today, many universities and colleges offer their students the option of taking courses online instead of sitting in a classroom on campus. In general students like online classes because they allow for flexibility, the comfort of sitting at home, and the potential to save money. Even though there are advantages to taking online classes, many students and instructors still debate the effectiveness and quality of education in a distant learning environment. Many universities and colleges are receiving pressure from students to offer more and more classes online. Research argues for both the advantages and disadvantages of online classes and stresses the importance of colleges and universities weighing both sides before deciding to adopt an online class. Certain classes may not be suitable for online instruction and not all instructors are suitable to teach online classes. The literature also reveals that there is a need for more research on online biology lab classes. With the lack of information on online biology labs needed by science educators who face the increasing demand for online biology labs, this case study hopes to provide insight into the use of online biology lab classes and the how students and an instructor at a community college in Virginia perceive their online biology lab experience as well as the effectiveness of the online labs.

PD Lab

Directory of Open Access Journals (Sweden)

Marcel Bilow

2015-08-01

Full Text Available PD Lab explores the applications of building sector related product development.  PD lab investigates and tests digital production technologies like CNC milled wood connections. It will also act as a platform in its wider meaning to investigate the effects and influences of file to factory production, to explore the potential in the field of sustainability, material use, logistics and the interaction of stakeholders within the chain of the building process.

MatLab Script and Functional Programming

Science.gov (United States)

Shaykhian, Gholam Ali

2007-01-01

MatLab Script and Functional Programming: MatLab is one of the most widely used very high level programming languages for scientific and engineering computations. It is very user-friendly and needs practically no formal programming knowledge. Presented here are MatLab programming aspects and not just the MatLab commands for scientists and engineers who do not have formal programming training and also have no significant time to spare for learning programming to solve their real world problems. Specifically provided are programs for visualization. The MatLab seminar covers the functional and script programming aspect of MatLab language. Specific expectations are: a) Recognize MatLab commands, script and function. b) Create, and run a MatLab function. c) Read, recognize, and describe MatLab syntax. d) Recognize decisions, loops and matrix operators. e) Evaluate scope among multiple files, and multiple functions within a file. f) Declare, define and use scalar variables, vectors and matrices.

Cross-selling lending and underwriting : scope economies and incentives

OpenAIRE

Laux, Christian; Walz, Uwe

2009-01-01

We highlight the implications of combining underwriting services and lending for the choice of underwriters and for competition in the underwriting business. We show that cross-selling can increase underwriters' incentives, and we explain three phenomena: first, that cross-selling is important for universal banks to enter the investment banking business; second, that cross-selling is particularly attractive for highly leveraged borrowers; third, that less-than-market rates are no prerequisite...

Exploring linear algebra labs and projects with Mathematica

CERN Document Server

Arangala, Crista

2014-01-01

Matrix Operations Lab 0: An Introduction to Mathematica Lab 1: Matrix Basics and Operations Lab 2: A Matrix Representation of Linear Systems Lab 3: Powers, Inverses, and Special Matrices Lab 4: Graph Theory and Adjacency Matrices Lab 5: Permutations and Determinants Lab 6: 4 x 4 Determinants and Beyond Project Set 1 Invertibility Lab 7: Singular or Nonsingular? Why Singularity Matters Lab 8: Mod It Out, Matrices with Entries in ZpLab 9: It's a Complex World Lab 10: Declaring Independence: Is It Linear? Project Set 2 Vector Spaces Lab 11: Vector Spaces and SubspacesLab 12: Basing It All on Just a Few Vectors Lab 13: Linear Transformations Lab 14: Eigenvalues and Eigenspaces Lab 15: Markov Chains, An Application of Eigenvalues Project Set 3 Orthogonality Lab 16: Inner Product Spaces Lab 17: The Geometry of Vector and Inner Product SpacesLab 18: Orthogonal Matrices, QR Decomposition, and Least Squares Regression Lab 19: Symmetric Matrices and Quadratic Forms Project Set 4 Matrix Decomposition with Applications L...

Driven by expertise and insulation?: the autonomy of European regulatory agencies

OpenAIRE

Ossege, Christoph

2015-01-01

Expertise and autonomy are cornerstones to the effective operation and legitimacy of European Regulatory Agencies (ERAs). Yet, we know little about ERAs' actual autonomy, nor about factors shaping it. This article studies ERAs' actual autonomy from public and private actors, emphasising two crucial explanatory factors: expertise and rulemaking competences. The lack of insights on expertise is particularly striking, as expertise -the "raison d'être" and main resource of expert bodies- provides...

Intuitive expertise in ICT graduate supervision

Directory of Open Access Journals (Sweden)

Jill Jameson

2002-12-01

Full Text Available Intuitive expertise in the application of advanced interdisciplinary facilitation is the subject of this personal reflection on the graduate supervisory style of Professor David Squires in computers in education. This single-case reflective study examines the characteristics of effective supervision observed during masters and doctoral supervision at King's College in the years 1990-9. Interdisciplinarity in ICT graduate studies particularly requires a fluency of supervisory expertise in enabling supervisees to combine multiple complex perspectives from a number of fields of knowledge. Intuitive combinatory aspects of supervision are highlighted in this reflection on the role carried out by an academic expert in facilitating student success. This is examined from a perspective incorporating affective as well as intellectual elements, informed by characteristics identified in professional sports and performing arts coaching/mentoring. Key characteristics comprising a model of intuitive expertise in ICT graduate supervision were outlined. The resultant portrait aims to complement existing literature on graduate supervision, with reference to the field of ICTI computers in education relating to student hypermedia composition.

Assessing Expertise in Introductory Physics Using Categorization Task

Science.gov (United States)

Mason, Andrew; Singh, Chandralekha

2011-01-01

The ability to categorize problems based upon underlying principles, rather than surface features or contexts, is considered one of several proxy predictors of expertise in problem solving. With inspiration from the classic study by Chi, Feltovich, and Glaser, we assess the distribution of expertise among introductory physics students by asking…

Improving the Quality of Lab Reports by Using Them as Lab Instructions

Science.gov (United States)

Haagen-Schuetzenhoefer, Claudia

2012-10-01

Lab exercises are quite popular in teaching science. Teachers have numerous goals in mind when teaching science laboratories. Nevertheless, empirical research draws a heterogeneous picture of the benefits of lab work. Research has shown that it does not necessarily contribute to the enhancement of practical abilities or content knowledge. Lab activities are frequently based on recipe-like, step-by-step instructions ("cookbook style"), which do not motivate students to engage cognitively. Consequently, students put the emphasis on "task completion" or "manipulating equipment."2

Nursing expertise: a course of ambiguity and evolution in a concept.

Science.gov (United States)

Hutchinson, Marie; Higson, Mary; Cleary, Michelle; Jackson, Debra

2016-12-01

In this article, we clarify and describe the nature of nursing expertise and provide a framework to guide its identification and further development. To have utility and rigour, concept-driven research and theories of practice require underlying concepts that are robust, valid and reliable. Advancing understanding of a concept requires careful attention to explicating its knowledge, metaphors and conceptual meaning. Examining the concepts and metaphors of nursing expertise, and how they have been interpreted into the nursing discourse, we aimed to synthesise definitions and similarities between concepts and elicit the defining characteristics and properties of nursing expertise. In clarifying the concept, we sought to move beyond the ambiguity that currently surrounds expertise in nursing and unravel it to make explicit the characteristics of nursing expertise from published peer-reviewed studies and structured literature synthesis. Findings indicate a lack of clarity surrounding the use of the term expertise. Traditional reliance upon intuition as a way of explaining expert performance is slowly evolving. Emerging from the analysis is a picture of expertise as the relationship between networks of contextual reasoning, understanding and practice. Striking absences in the discourse include limited explication of ethical reasoning and theorising a broader interpretation of expertise reflective of contemporary forms of nursing. © 2016 John Wiley & Sons Ltd.

Expertise for Teaching Biology Situated in the Context of Genetic Testing

Science.gov (United States)

Van der Zande, Paul; Akkerman, Sanne F.; Brekelmans, Mieke; Waarlo, Arend Jan; Vermunt, Jan D.

2012-07-01

Contemporary genomics research will impact the daily practice of biology teachers who want to teach up-to-date genetics in secondary education. This article reports on a research project aimed at enhancing biology teachers' expertise for teaching genetics situated in the context of genetic testing. The increasing body of scientific knowledge concerning genetic testing and the related consequences for decision-making indicate the societal relevance of an educational approach based on situated learning. What expertise do biology teachers need for teaching genetics in the personal health context of genetic testing? This article describes the required expertise by exploring the educational practice. Nine experienced teachers were interviewed about the pedagogical content, moral and interpersonal expertise areas concerning how to teach genetics in the personal health context of genetic testing, and the lessons of five of them were observed. The findings showed that the required teacher expertise encompasses specific pedagogical content expertise, interpersonal expertise and a preference for teacher roles and teaching approaches for the moral aspects of teaching in this context. A need for further development of teaching and learning activities for (reflection on) moral reasoning came to the fore. Suggestions regarding how to apply this expertise into context-based genetics education are discussed.

7 CFR 4279.29 - Eligible lenders.

Science.gov (United States)

2010-01-01

... Regulations of the Department of Agriculture (Continued) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL... have the legal authority to operate a lending program and sufficient lending expertise and financial... consideration to become a guaranteed lender must submit a request in writing to the State Office for the State...

Moral Expertise in the Clinic: Lessons Learned from Medicine and Science.

Science.gov (United States)

McClimans, Leah; Slowther, Anne

2016-08-01

Philosophers and others have questioned whether or not expertise in morality is possible. This debate is not only theoretical, but also affects the perceived legitimacy of clinical ethicists. One argument against moral expertise is that in a pluralistic society with competing moral theories no one can claim expertise regarding what another ought morally to do. There are simply too many reasonable moral values and intuitions that affect theory choice and its application; expertise is epistemically uniform. In this article, we discuss how similar concerns have recently threatened to undermine expertise in medicine and science. In contrast, we argue that the application of values is needed to exercise medical, scientific, and moral expertise. As long as these values are made explicit, worries about a pretense to authority in the context of a liberal democracy are ill-conceived. In conclusion, we argue for an expertise that is epistemically diverse. © The Author 2016. Published by Oxford University Press, on behalf of the Journal of Medicine and Philosophy Inc. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

7 CFR 4280.23 - Requirements for lending from Revolving Loan Fund.

Science.gov (United States)

2010-01-01

... security and recovery of loan losses must provide for the pro rata recovery and distribution between the... 7 Agriculture 15 2010-01-01 2010-01-01 false Requirements for lending from Revolving Loan Fund... BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural...

Group lending and the role of the group leader

OpenAIRE

Eijkel, van, R.; Hermes, N.; Lensink, B.W.

2011-01-01

This paper investigates strategic monitoring behavior within group lending. We show that monitoring efforts of group members differ in equilibrium due to the asymmetry between members in terms of future profits. In particular, we show that the entrepreneur with the highest future profits also puts in the highest monitoring effort. Moreover, monitoring efforts differ between group members due to free-riding: one member reduces her level of monitoring if the other increases her monitoring effor...

MouthLab: A Tricorder Concept Optimized for Rapid Medical Assessment.

Science.gov (United States)

Fridman, Gene Y; Tang, Hai; Feller-Kopman, David; Hong, Yang

2015-09-01

The goal of rapid medical assessment (RMA) is to estimate the general health of a patient during an emergency room or a doctor's office visit, or even while the patient is at home. Currently the devices used during RMA are typically "all-in-one" vital signs monitors. They require time, effort and expertise to attach various sensors to the body. A device optimized for RMA should instead require little effort or expertise to operate and be able to rapidly obtain and consolidate as much information as possible. MouthLab is a battery powered hand-held device intended to acquire and evaluate many measurements such as non-invasive blood sugar, saliva and respiratory biochemistry. Our initial prototype acquires standard vital signs: pulse rate (PR), breathing rate (BR), temperature (T), blood oxygen saturation (SpO2), blood pressure (BP), and a three-lead electrocardiogram. In our clinical study we tested the device performance against the measurements obtained with a standard patient monitor. 52 people participated in the study. The measurement errors were as follows: PR: -1.7 ± 3.5 BPM, BR: 0.4 ± 2.4 BPM, T: -0.4 ± 1.24 °F, SpO2: -0.6 ± 1.7%. BP systolic: -1.8 ± 12 mmHg, BP diastolic: 0.6 ± 8 mmHg. We have shown that RMA can be easily performed non-invasively by patients with no prior training.

Reforming Cookbook Labs

Science.gov (United States)

Peters, Erin

2005-01-01

Deconstructing cookbook labs to require the students to be more thoughtful could break down perceived teacher barriers to inquiry learning. Simple steps that remove or disrupt the direct transfer of step-by-step procedures in cookbook labs make students think more critically about their process. Through trials in the author's middle school…

The Portuguese Contribution for lab2go - pt.lab2go

Directory of Open Access Journals (Sweden)

Maria Teresa Restivo

2013-01-01

Full Text Available Online experimentation provides innovative and valuable tools for use in academy, in high schools, in industry and in medical areas. It has also become a precious tool for educational and training purposes in any of those areas. Looking at online experimentation as a pure distance learning tool it represents a very efficient way of sharing hands-on capabilities, for example with developing countries. In Portugal a new consortium of online experimentation was created for fostering the national potential, using the Portuguese version of lab2go web platform, pt.lab2go. The authors pretend to demonstrate some of capabilities of the consortium in sharing online labs.

What is an expert? A systems perspective on expertise

Science.gov (United States)

Caley, Michael Julian; O'Leary, Rebecca A; Fisher, Rebecca; Low-Choy, Samantha; Johnson, Sandra; Mengersen, Kerrie

2014-01-01

Expert knowledge is a valuable source of information with a wide range of research applications. Despite the recent advances in defining expert knowledge, little attention has been given to how to view expertise as a system of interacting contributory factors for quantifying an individual's expertise. We present a systems approach to expertise that accounts for many contributing factors and their inter-relationships and allows quantification of an individual's expertise. A Bayesian network (BN) was chosen for this purpose. For illustration, we focused on taxonomic expertise. The model structure was developed in consultation with taxonomists. The relative importance of the factors within the network was determined by a second set of taxonomists (supra-experts) who also provided validation of the model structure. Model performance was assessed by applying the model to hypothetical career states of taxonomists designed to incorporate known differences in career states for model testing. The resulting BN model consisted of 18 primary nodes feeding through one to three higher-order nodes before converging on the target node (Taxonomic Expert). There was strong consistency among node weights provided by the supra-experts for some nodes, but not others. The higher-order nodes, “Quality of work” and “Total productivity”, had the greatest weights. Sensitivity analysis indicated that although some factors had stronger influence in the outer nodes of the network, there was relatively equal influence of the factors leading directly into the target node. Despite the differences in the node weights provided by our supra-experts, there was good agreement among assessments of our hypothetical experts that accurately reflected differences we had specified. This systems approach provides a way of assessing the overall level of expertise of individuals, accounting for multiple contributory factors, and their interactions. Our approach is adaptable to other situations where it

LabVIEW Support at CERN

CERN Multimedia

HR Department

2010-01-01

Since the beginning of 2009, due to the CERN restructuring, LabVIEW support moved from the IT to the EN department, joining the Industrial Controls and Electronics Group (ICE). LabVIEW support has been merged with the Measurement, Test and Analysis (MTA) section which, using LabVIEW, has developed most of the measurement systems to qualify the LHC magnets and components over the past 10 years. The post mortem analysis for the LHC hardware commissioning has also been fully implemented using LabVIEW, customised into a framework, called RADE, for CERN needs. The MTA section has started with a proactive approach sharing its tools and experience with the CERN LabVIEW community. Its framework (RADE) for CERN integrated application development has been made available to the users. Courses on RADE have been integrated into the standard National Instruments training program at CERN. RADE and LabVIEW support were merged together in 2010 on a single email address:labview.support@cern.ch For more information please...

France bundles knowledge and expertise in intelligent energy networks; Frankrijk bundelt kennis en expertise in intelligente energienetwerken

Energy Technology Data Exchange (ETDEWEB)

Van Kooij, E.

2012-03-15

The networks that provides cities, office buildings, houses, cars and mobile phones with energy, is expected in the coming years to be digitized. The French innovation cluster Systematic has recently taken the initiative to set up a knowledge partnership which should connect knowledge and expertise with regard to future smart grids [Dutch] Het netwerk dat onze steden, kantoren, huizen, auto's en mobieltjes van energie voorziet, zal naar verwachting in de komende jaren een digitalisering ondergaan. Het Franse innovatiecluster Systematic heeft onlangs het initiatief genomen een samenwerkingsverband op te richten die kennis en expertise op het gebied van toekomstige intelligente energienetwerken bij elkaar brengt.

Instructional Design for Accelerated Macrocognitive Expertise in the Baseball Workplace

OpenAIRE

Fadde, Peter J.

2016-01-01

The goal of accelerating expertise can leave researchers and trainers in human factors, naturalistic decision making, sport science, and expertise studies concerned about seemingly insufficient application of expert performance theories, findings and methods for training macrocognitive aspects of human performance. Video-occlusion methods perfected by sports expertise researchers have great instructional utility, in some cases offering an effective and inexpensive alternative to high-fidelity...

Size effect of added LaB6 particles on optical properties of LaB6/Polymer composites

International Nuclear Information System (INIS)

Yuan Yifei; Zhang Lin; Hu Lijie; Wang Wei; Min Guanghui

2011-01-01

Modified LaB 6 particles with sizes ranging from 50 nm to 400 nm were added into polymethyl methacrylate (PMMA) matrix in order to investigate the effect of added LaB 6 particles on optical properties of LaB 6 /PMMA composites. Method of in-situ polymerization was applied to prepare PMMA from raw material—methyl methacrylate (MMA), a process during which LaB 6 particles were dispersed in MMA. Ultraviolet–visible–near infrared (UV–vis–NIR) absorption spectrum was used to study optical properties of the as-prepared materials. The difference in particle size could apparently affect the composites' absorption of visible light around wavelength of 600 nm. Added LaB 6 particles with size of about 70 nm resulted in the best optical properties among these groups of composites. - Graphical abstract: 70 nm LaB 6 particles resulted in the best performance on absorption of VIS and NIR, which could not be apparently achieved by LaB 6 particles beyond nano-scale. Highlights: ► LaB 6 /PMMA composites were prepared using the method of in-situ polymerization. ► LaB 6 particles added in MMA prolonged the time needed for its pre-polymerization. ► Nanosized LaB 6 particles could obviously absorb much NIR but little VIS.

Adults' and Children's Understanding of How Expertise Influences Learning.

Science.gov (United States)

Danovitch, Judith H; Shenouda, Christine K

2018-01-01

Adults and children use information about expertise to infer what a person is likely to know, but it is unclear whether they realize that expertise also has implications for learning. We explore adults' and children's understanding that expertise in a particular category supports learning about a closely related category. In four experiments, 5-year-olds and adults (n = 160) judged which of two people would be better at learning about a new category. When faced with an expert and a nonexpert, adults consistently indicated that expertise supports learning in a closely related category; however, children's judgments were inconsistent and were strongly influenced by the description of the nonexpert. The results suggest that although children understand what it means to be an expert, they may judge an individual's learning capacity based on different considerations than adults.

The influence of expertise on continuous categories: A whole report study of colour expertise

DEFF Research Database (Denmark)

Dall, Jonas Olsen; Sørensen, Thomas Alrik

2018-01-01

Recently research has shifted from examining discrete categories (e.g. letters) to continuous categories (e.g. colours). While studies have shown that stimuli specific expertise influence discrete categories, there are little research into how it influences continuous categories. The current study...

Reserve requirements and the bank lending channel in China

OpenAIRE

Fungácová , Zuzana; Nuutilainen , Riikka; Weill , Laurent

2015-01-01

This paper examines how reserve requirements influence the transmission of monetary policy through the bank lending channel in China while also taking into account the role of bank ownership. The implementation of Chinese monetary policy is characterized by the reliance on the reserve requirements as a regular policy tool with frequent adjustments. Using a large dataset of 170 Chinese banks for the period 2004–2013, we analyze the reaction of loan supply to changes in reserve requirements. We...

From Meaning Well to Doing Well: Ethical Expertise in the GIS Domain

Science.gov (United States)

Huff, Chuck

2014-01-01

There is evidence to support the idea that moral action can be thought of in terms of expertise in a domain. This paper reviews work on the development of moral expertise across five levels, from novice to expertise. It addresses the role of habit in expertise and self-regulation strategies that signal when habitual action is not working and that…

Computer Simulation Lends New Insights Into Cyanide-Caused Cardiac Toxicity

Science.gov (United States)

2004-12-01

current, ICl,sw is needed to terminate VF. There are several drugs that block ICl,sw. 5. DISCUSSION Exposure to CN has immediate consequences ...the search on the requirements on the means of pharmacological intervention to counter the effect of cyanide-caused cardiac toxicity . Of special...COMPUTER SIMULATION LENDS NEW INSIGHTS INTO CYANIDE-CAUSED CARDIAC TOXICITY C.K. Zoltani* U.S. Army Research Laboratory Computational and

Developing the experts we need: Fostering adaptive expertise through education.

Science.gov (United States)

Mylopoulos, Maria; Kulasegaram, Kulamakan; Woods, Nicole N

2018-03-08

In this era of increasing complexity, there is a growing gap between what we need our medical experts to do and the training we provide them. While medical education has a long history of being guided by theories of expertise to inform curriculum design and implementation, the theories that currently underpin our educational programs do not account for the expertise necessary for excellence in the changing health care context. The more comprehensive view of expertise gained by research on both clinical reasoning and adaptive expertise provides a useful framing for re-shaping physician education, placing emphasis on the training of clinicians who will be adaptive experts. That is, have both the ability to apply their extensive knowledge base as well as create new knowledge as dictated by patient needs and context. Three key educational approaches have been shown to foster the development of adaptive expertise: learning that emphasizes understanding, providing students with opportunities to embrace struggle and discovery in their learning, and maximizing variation in the teaching of clinical concepts. There is solid evidence that a commitment to these educational approaches can help medical educators to set trainees on the path towards adaptive expertise. © 2018 John Wiley & Sons, Ltd.

TELECOM LAB

CERN Multimedia

IT-CS-TEL Section

2001-01-01

The Telecom Lab is moving from Building 104 to Building 31 S-026, with its entrance via the ramp on the side facing Restaurant n°2. The help desk will thus be closed to users on Tuesday 8 May. On May 9, the Lab will only be able to deal with problems of a technical nature at the new address and it will not be able to process any new subscription requests throughout the week from 7 to 11 May. We apologise for any inconvenience this may cause and thank you for your understanding.

Integrating Family as a Discipline by Providing Parent Led Curricula: Impact on LEND Trainees' Leadership Competency.

Science.gov (United States)

Keisling, Bruce L; Bishop, Elizabeth A; Roth, Jenness M

2017-05-01

Background While the MCH Leadership Competencies and family as a discipline have been required elements of Leadership Education in Neurodevelopmental and related Disabilities (LEND) programs for over a decade, little research has been published on the efficacy of either programmatic component in the development of the next generation of leaders who can advocate and care for Maternal and Child Health (MCH) populations. Objective To test the effectiveness of integrating the family discipline through implementation of parent led curricula on trainees' content knowledge, skills, and leadership development in family-centered care, according to the MCH Leadership Competencies. Methods One hundred and two long-term (≥ 300 h) LEND trainees completed a clinical and leadership training program which featured intensive parent led curricula supported by a full-time family faculty member. Trainees rated themselves on the five Basic and Advanced skill items that comprise MCH Leadership Competency 8: Family-centered Care at the beginning and conclusion of their LEND traineeship. Results When compared to their initial scores, trainees rated themselves significantly higher across all family-centered leadership competency items at the completion of their LEND traineeship. Conclusions The intentional engagement of a full-time family faculty member and parent led curricula that include didactic and experiential components are associated with greater identification and adoption by trainees of family-centered attitudes, skills, and practices. However, the use of the MCH Leadership Competencies as a quantifiable measure of program evaluation, particularly leadership development, is limited.

12 CFR 614.4351 - Computation of lending and leasing limit base.

Science.gov (United States)

2010-01-01

... adjustments: (1) Where one institution invests in another institution in connection with the sale of a loan... the purchasing institution. (2) Stock protected under section 4.9A of the Act may be included in the lending and leasing limit base until January 1, 1998. (3) Any amounts of preferred stock not eligible to...

Monetary Expansion and the Banking Lending Channel.

Science.gov (United States)

Tabak, Benjamin Miranda; Moreira, Tito Belchior Silva; Fazio, Dimas Mateus; Cavalcanti, André Luiz Cordeiro; Cunha, George Henrrique de Moura

2016-01-01

This paper examines the bank lending channel, which considers how monetary authority actions affect the variation of loans. We focus on the BRICS (Brazil, Russia, India, China and South Africa) totalizing 1254 banks from five countries in the period 2000-2012 (totalizing 13 years). The empirical results show that the effect of money supply growth on the growth of loans is non-linear and inverted U-shaped. In this context, our results show empirical evidence expansionary monetary policies do not increase the propensity of economic agents to systematically take greater risks on the market. After a certain level of money stock, increases in the money supply do not lead to increased negotiated credit.

Engineering expertise on shift in nuclear power plants: the foreign experience

International Nuclear Information System (INIS)

Melber, B.D.; Schreiber, R.E.

1983-02-01

This report describes the practices of selected foreign countries with providing engineering expertise on shift in nuclear power plants. The extent to which engineering expertise is made available and the alternative models of providing such expertise are presented. The implications of foreign practices for US consideration of alternatives are discussed, with reference to the shift technical advisor (STA) position and to a proposed shift engineer position. The procedure used to obtain information on foreign practices was primarily a review of the literature, including publications, presentations, and government and utility reports. There are two approaches that are in use to make engineering expertise available on shift: (1) employing a graduate engineer in a line management operations position; and (2) creating a specific engineering position for the purpose of providing expertise to the operations staff

Differential item functioning analysis of the Vanderbilt Expertise Test for cars.

Science.gov (United States)

Lee, Woo-Yeol; Cho, Sun-Joo; McGugin, Rankin W; Van Gulick, Ana Beth; Gauthier, Isabel

2015-01-01

The Vanderbilt Expertise Test for cars (VETcar) is a test of visual learning for contemporary car models. We used item response theory to assess the VETcar and in particular used differential item functioning (DIF) analysis to ask if the test functions the same way in laboratory versus online settings and for different groups based on age and gender. An exploratory factor analysis found evidence of multidimensionality in the VETcar, although a single dimension was deemed sufficient to capture the recognition ability measured by the test. We selected a unidimensional three-parameter logistic item response model to examine item characteristics and subject abilities. The VETcar had satisfactory internal consistency. A substantial number of items showed DIF at a medium effect size for test setting and for age group, whereas gender DIF was negligible. Because online subjects were on average older than those tested in the lab, we focused on the age groups to conduct a multigroup item response theory analysis. This revealed that most items on the test favored the younger group. DIF could be more the rule than the exception when measuring performance with familiar object categories, therefore posing a challenge for the measurement of either domain-general visual abilities or category-specific knowledge.

The contribution of research on expertise to understanding of expert thinking

Directory of Open Access Journals (Sweden)

Krnjaić Zora

2013-01-01

Full Text Available Expertise is determined based on the high level of mastery of knowledge and skills in different areas of human activities (science, art, sports and other less formal domains. This paper explores the contribution of empirical research on expertise to understanding of the nature of expert thinking. For that purpose we have compiled an overview and performed an analysis of the findings of relevant research on expertise based on different approaches and paradigms. We have included the studies that researched experts singled out based on their exceptional performances in different domains (absolute expertise and the studies based on comparing experts with novices (relative expertise. We have analyzed the studies using different paradigms: psychometric and cognitive paradigms, as well as the new offshoot, the paradigm based on viewing giftedness as developing expertise. Research results provide empirically grounded findings on the characteristics of expert thinking and consistently point to the fact that knowledge is the core of expertise. The characteristics of expert knowledge are operationalized via the quantity and organization of knowledge and the mastery of deep contents and knowledge systems, which enables the recognition of rules, models and information sets, as well as the use of knowledge in further studying, detecting and solving different problems. It can be concluded that research findings on expertise are one of the foundations in the conceptualization of expert thinking. They significantly contribute to obtaining an insight into the way in which knowledge shapes thought and into understanding the mechanisms of demonstrating knowledge in the mental processes of experts.

An Expertise Engine: MAST in the 2020s

Science.gov (United States)

Goldston Peek, Joshua Eli; Smith, Arfon M.; Momcheva, Ivelina G.

2018-06-01

The original Hubble Space Telescope archive showed how encapsulating expertise in science-ready data products could accelerate the pace of scientific advancement, and enable extremely productive archival research. In the 2000s, MAST and the Hubble Legacy Archive showed how taking these products to the next level further democratized astronomy, with archival science overtaking PI science as the dominant output of MAST missions. We argue that these data products fundamentally act as a vector for expertise, allowing novice users access to the detailed and advanced techniques of experts. In the 2020s we will see an explosion of data volume, data precision, and data complexity which will demand an even more powerful and sophisticated expertise engine. We’ll discuss how MAST plans to rise to meet that challenge.

Nothing special about banks : Competition and bank lending in Britain 1885-1925

NARCIS (Netherlands)

Braggion, Fabio; Dwarkasing, Narly; Moore, Lyndon

2017-01-01

We investigate the impact of increasing bank concentration on bank loan contracts in a lightly regulated environment. This environment allows us to abstract from possible confounding effects of regulation to focus on the “pure” effects of competition on bank lending. We study over 30,000 British

Invasive Species Working Group: Research Summary and Expertise Directory

Science.gov (United States)

Jack Butler; Dean Pearson; Mee-Sook Kim

2009-01-01

Rocky Mountain Research Station (RMRS) personnel have scientific expertise in widely ranging disciplines and conduct multidisciplinary research on invasive species issues with emphasis in terrestrial and aquatic habitats throughout the Interior West, Great Plains, and related areas (fig. 1; Expertise Directory; appendix). RMRS invasive species research covers an array...

The politics of expertise in participatory forestry

DEFF Research Database (Denmark)

Green, Kathryn E.; Lund, Jens Friis

2015-01-01

In this paper, we show how the framing of a community-based forest management (CBFM) intervention implies the professionalization of forest management and the privileging of certain forms of knowledge in a village in Tanzania. We describe how the framing of CBFM in technical and procedural terms......, and the subsequent construction of expertise by implementers through training, combine with existing signifiers of social stratification to shape struggles over participation and access to benefits from forest use and management. We also describe how the perceived necessity of expertise is not questioned by village...

RiskLab - a joint Teaching Lab on Hazard and Risk Management

Science.gov (United States)

Baruffini, Mi.; Baruffini, Mo.; Thuering, M.

2009-04-01

and analyzed, and a second part, composed by practical activities, where students can learn specific statistical methods and test and use technical software. Special importance is given to seminars held by experts or members of Civil Protection and risk management institutes. Excursions are often organized to directly see and study practical case studies (Eg. The city of Locarno and the lake Maggiore inundations). The course is organized following a "classical" structure (it's mainly held in a class or in an informatics lab), but students can also benefit from a special web portal, powered by "e.coursers" , the official USI/SUPSI Learning Management System , where they can find issues and documents about natural hazards and risk management. The main pedagogical value is that students can attend a course which is entirely devoted to dealing with natural and man-made hazards and risk, allowing them to resume geological, space planning and economic issues and to face real case studies in a challenging and holistic environment. The final aim of the course is to provide students an useful and integrated "toolbox", essential to cope with and to resolve the overwhelming problems due to vulnerability and danger increase of the present-day society. The course has by now reached the third academic year and the initial results are encouraging: beyond the knowledge and expertise acquired, the graduate students, that are now for the most part working in engineering studies or private companies, have shown to have acquired a mentality devoted to understanding and managing risk. REFERENCES PLANAT HTTP://WWW.CENAT.CH/INDEX.PHP?USERHASH=79598753&L=D&NAVID=154 ECOURSES HTTP://CORSI.ELEARNINGLAB.ORG/ NAHRIS HTTP://WWW.NAHRIS.CH/

Race, Space, and Cumulative Disadvantage: A Case Study of the Subprime Lending Collapse.

Science.gov (United States)

Rugh, Jacob S; Albright, Len; Massey, Douglas S

2015-05-01

In this article, we describe how residential segregation and individual racial disparities generate racialized patterns of subprime lending and lead to financial loss among black borrowers in segregated cities. We conceptualize race as a cumulative disadvantage because of its direct and indirect effects on socioeconomic status at the individual and neighborhood levels, with consequences that reverberate across a borrower's life and between generations. Using Baltimore, Maryland as a case study setting, we combine data from reports filed under the Home Mortgage Disclosure Act with additional loan-level data from mortgage-backed securities. We find that race and neighborhood racial segregation are critical factors explaining black disadvantage across successive stages in the process of lending and foreclosure, controlling for differences in borrower credit scores, income, occupancy status, and loan-to-value ratios. We analyze the cumulative cost of predatory lending to black borrowers in terms of reduced disposable income and lost wealth. We find the cost to be substantial. Black borrowers paid an estimated additional 5 to 11 percent in monthly payments and those that completed foreclosure in the sample lost an excess of $2 million in home equity. These costs were magnified in mostly black neighborhoods and in turn heavily concentrated in communities of color. By elucidating the mechanisms that link black segregation to discrimination we demonstrate how processes of cumulative disadvantage continue to undermine black socioeconomic status in the United States today.

Payments to the Lab

Science.gov (United States)

Goals Recycling Green Purchasing Pollution Prevention Reusing Water Resources Environmental Management the Lab Make payments for event registrations, sponsorships, insurance, travel, other fees. Contact Treasury Team (505) 667-4090 Email If you need to make a payment to the Lab for an event registration

Wine Expertise Predicts Taste Phenotype.

Science.gov (United States)

Hayes, John E; Pickering, Gary J

2012-03-01

Taste phenotypes have long been studied in relation to alcohol intake, dependence, and family history, with contradictory findings. However, on balance - with appropriate caveats about populations tested, outcomes measured and psychophysical methods used - an association between variation in taste responsiveness and some alcohol behaviors is supported. Recent work suggests super-tasting (operationalized via propylthiouracil (PROP) bitterness) not only associates with heightened response but also with more acute discrimination between stimuli. Here, we explore relationships between food and beverage adventurousness and taste phenotype. A convenience sample of wine drinkers (n=330) were recruited in Ontario and phenotyped for PROP bitterness via filter paper disk. They also filled out a short questionnaire regarding willingness to try new foods, alcoholic beverages and wines as well as level of wine involvement, which was used to classify them as a wine expert (n=110) or wine consumer (n=220). In univariate logisitic models, food adventurousness predicted trying new wines and beverages but not expertise. Likewise, wine expertise predicted willingness to try new wines and beverages but not foods. In separate multivariate logistic models, willingness to try new wines and beverages was predicted by expertise and food adventurousness but not PROP. However, mean PROP bitterness was higher among wine experts than wine consumers, and the conditional distribution functions differed between experts and consumers. In contrast, PROP means and distributions did not differ with food adventurousness. These data suggest individuals may self-select for specific professions based on sensory ability (i.e., an active gene-environment correlation) but phenotype does not explain willingness to try new stimuli.

ScalaLab and GroovyLab: Comparing Scala and Groovy for Scientific Computing

Directory of Open Access Journals (Sweden)

Stergios Papadimitriou

2015-01-01

Full Text Available ScalaLab and GroovyLab are both MATLAB-like environments for the Java Virtual Machine. ScalaLab is based on the Scala programming language and GroovyLab is based on the Groovy programming language. They present similar user interfaces and functionality to the user. They also share the same set of Java scientific libraries and of native code libraries. From the programmer's point of view though, they have significant differences. This paper compares some aspects of the two environments and highlights some of the strengths and weaknesses of Scala versus Groovy for scientific computing. The discussion also examines some aspects of the dilemma of using dynamic typing versus static typing for scientific programming. The performance of the Java platform is continuously improved at a fast pace. Today Java can effectively support demanding high-performance computing and scales well on multicore platforms. Thus, both systems can challenge the performance of the traditional C/C++/Fortran scientific code with an easier to use and more productive programming environment.

From deep to superficial categorization with increasing expertise.

OpenAIRE

Ormerod, Thomas C.; Fritz, Catherine O.; Ridgway, James

1999-01-01

An experimental study of task design expertise is reported wherein a set of 12 mathematics tasks were sorted by specialist designers of mathematics tasks and by experienced mathematics teachers without specialist design experience. Contrary to the frequent finding of increasing conceptual depth with increasing expertise, conceptual depth did not differ between groups. Teachers sorted on the basis of mathematical content earlier than designers, and were more specific in their content-based cat...

Talent in the taxi: a model system for exploring expertise.

Science.gov (United States)

Woollett, Katherine; Spiers, Hugo J; Maguire, Eleanor A

2009-05-27

While there is widespread interest in and admiration of individuals with exceptional talents, surprisingly little is known about the cognitive and neural mechanisms underpinning talent, and indeed how talent relates to expertise. Because many talents are first identified and nurtured in childhood, it can be difficult to determine whether talent is innate, can be acquired through extensive practice or can only be acquired in the presence of the developing brain. We sought to address some of these issues by studying healthy adults who acquired expertise in adulthood. We focused on the domain of memory and used licensed London taxi drivers as a model system. Taxi drivers have to learn the layout of 25,000 streets in London and the locations of thousands of places of interest, and pass stringent examinations in order to obtain an operating licence. Using neuropsychological assessment and structural and functional magnetic resonance imaging, we addressed a range of key questions: in the context of a fully developed brain and an average IQ, can people acquire expertise to an exceptional level; what are the neural signatures, both structural and functional, associated with the use of expertise; does expertise change the brain compared with unskilled control participants; does it confer any cognitive advantages, and similarly, does it come at a cost to other functions? By studying retired taxi drivers, we also consider what happens to their brains and behaviour when experts stop using their skill. Finally, we discuss how the expertise of taxi drivers might relate to the issue of talent and innate abilities. We suggest that exploring talent and expertise in this manner could have implications for education, rehabilitation of patients with cognitive impairments, understanding individual differences and possibly conditions such as autism where exceptional abilities can be a feature.

Who receives bank loans? A study of lending officers' assessments of loans to growing small and medium-sized enterprises

OpenAIRE

Bruns, Volker

2004-01-01

This thesis explores factors that influence lending officers' assessments of credit requests from growing small and medium-sized enterprises (SMEs). Building on asymmetric information theory, factors identified in previous research are grouped into the theoretical categories of risk-assessment, risk-alignment, and risk-shifting. Hypotheses are developed as to what influences lending officers' credit assessments. In addition, it is hypothesized that risk-taking proclivity interacts with other ...

CDC Lab Values

Centers for Disease Control (CDC) Podcasts

More than fifteen hundred scientists fill the lab benches at CDC, logging more than four million hours each year. CDC’s laboratories play a critical role in the agency’s ability to find, stop, and prevent disease outbreaks. This podcast provides a brief overview of what goes on inside CDC’s labs, and why this work makes a difference in American’s health.

Tele-Lab IT-Security: an Architecture for an online virtual IT Security Lab

Directory of Open Access Journals (Sweden)

Christoph Meinel

2008-05-01

Full Text Available Recently, Awareness Creation in terms of IT security has become a big thing – not only for enterprises. Campaigns for pupils try to highlight the importance of IT security even in the user’s early years. Common practices in security education – as seen in computer science courses at universities – mainly consist of literature and lecturing. In the best case, the teaching facility offers practical courses in a dedicated isolated computer lab. Additionally, there are some more or less interactive e-learning applications around. Most existing offers can do nothing more than impart theoretical knowledge or basic information. They all lack of possibilities to provide practical experience with security software or even hacker tools in a realistic environment. The only exceptions are the expensive and hard-to-maintain dedicated computer security labs. Those can only be provided by very few organizations. Tele-Lab IT-Security was designed to offer hands-on experience exercises in IT security without the need of additional hardware or maintenance expenses. The existing implementation of Tele-Lab even provides access to the learning environment over the Internet – and thus can be used anytime and anywhere. The present paper describes the extended architecture on which the current version of the Tele-Lab server is built.

On US politics and IMF lending

DEFF Research Database (Denmark)

Andersen, Thomas Barnebeck; Harr, Thomas; Tarp, Finn

2006-01-01

The political factors shaping IMF lending to developing countries have attracted attention in recent empirical work. This goes in particular for the role and influence of the US. However, scant formal modelling makes interpretation of empirical results difficult. In this paper, we propose a model...... in which the US acts as principal within the IMF and seeks to maximize its impact on the policy stance of debtor countries. We derive an optimal loan allocation mechanism, which leads to the testable hypothesis that the probability of an IMF loan is increasing in the amount of political concessions...... countries make. A political concession is defined as the distance between a country's bliss point and its actual policy stance measured relative to the US. We introduce a bliss-point proxy and demonstrate that our hypothesis is strongly supported in the data. Moreover, we show that not accounting for bliss...

Guidelines for Urban Labs

DEFF Research Database (Denmark)

Scholl, Christian; Agger Eriksen, Mette; Baerten, Nik

2017-01-01

urban lab initiatives from five different European cities: Antwerp (B), Graz and Leoben (A), Maastricht (NL) and Malmö (S). We do not pretend that these guidelines touch upon all possible challenges an urban lab may be confronted with, but we have incorporated all those we encountered in our...

Expertise synthesis on the CSPE; Synthese d'expertise sur la CSPE

Energy Technology Data Exchange (ETDEWEB)

Blonde, G.; Poizat, F

2008-01-15

This document presents a synthesis of the results of an expertise realized on the CSPE, the compensation tax of the electric public service. This tax concerns the management of the electricity production additional costs in isolated areas, the solidarity, a policy to favor the energy efficiency and the renewable energies. The document explains the historical aspects of the tax elaboration, its financial importance, the consequences and the impacts on the competition. (A.L.B.)

Developing a Deeper Understanding of "Mathematics Teaching Expertise": An Examination of Three Chinese Mathematics Teachers' Resource Systems as Windows into Their Work and Expertise

Science.gov (United States)

Pepin, Birgit; Xu, Binyan; Trouche, Luc; Wang, Chongyang

2017-01-01

In order to develop a deeper understanding of mathematics teaching expertise, in this study we use the Documentational Approach to Didactics to explore the resource systems of three Chinese mathematics "expert" teachers. Exploiting the Western and Eastern literature we examine the notion of "mathematics teaching expertise", as…

Expertise, motivation and teaching in learning companion systems

OpenAIRE

Uresti, Jorge Adolfo Ramirez; du Boulay, Benedict

2004-01-01

This paper describes work carried out to explore the role of a learning companion as a teachable student of the human student. A LCS for Binary Boolean Algebra has been developed to explore the hypothesis that a learning companion with less expertise than the human student would be beneficial if the student taught it. The system implemented two companions with different expertise and two types of motivational conditions. An empirical evaluation was conducted. Although significant differential...

Correlates of lending needles/syringes among HIV-seropositive injection drug users.

Science.gov (United States)

Metsch, Lisa R; Pereyra, Margaret; Purcell, David W; Latkin, Carl A; Malow, Robert; Gómez, Cynthia A; Latka, Mary H

2007-11-01

Among HIV-positive injection drug users (IDUs), we examined the correlates of lending needles/syringes with HIV-negative and unknown status injection partners. HIV-positive IDUs (N=738) from 4 cities in the United States who reported injection drug use with other IDUs in the past 3 months participated in an audio computer-assisted self-administered interview. Eighteen percent of study participants self-reported having lent their needles to HIV-negative or unknown status injection partners. Multivariate analyses showed that 6 variables were significantly associated with this high-risk injecting practice. Older IDUs, high school graduates, and those reporting more supportive peer norms for safer drug use were less likely to lend needles/syringes. Admission to a hospital for drug treatment in the past 6 months, having injected with >1 person in the past 3 months, and having more psychiatric symptoms were all associated with more risk. These findings underscore the need for a continued prevention focus on HIV-positive IDUs that recognizes the combination of drug use, mental health factors, and social factors that might affect this high-risk injecting practice, which could be associated with HIV and hepatitis C transmission.

Lending Groups and Different Social Capitals in Developed and Developing Countries

Directory of Open Access Journals (Sweden)

Diego A. B. Marconatto

2016-11-01

Full Text Available Lending groups (LGs and social capital are two central elements to the many microfinance solutions operating around the world. However, LG effectiveness in reducing transaction costs and lending risks for microfinance institutions (MFIs is mediated by institutional environments. Starting from this assumption, we discuss the existent interactions between the institutional environments of developed (Anglo-Saxon and communitarian and developing countries with different stocks of social capital (individual, network and institutional and the influences of this interaction on LG effectiveness. In order to do so, we applied the institutional perspective of O. Williamson to build a theoretical framework to examine the interaction of all these conditions, allowing for analysis of their main relations within the microfinance context. Based on this framework, we propose on the one hand that in developing and Anglo-Saxon developed nations, stocks of both individual and network social capital are the most important for an LG’s effectiveness. However, in Anglo-Saxon countries, these two stocks of social capital are complemented by formal contracting devices. In communitarian developed countries, on the other hand, the stocks of institutional social capital have a stronger positive impact on LG dynamics.

IDENTIFYING BANK LENDING CHANNEL IN INDONESIA: A VECTOR ERROR CORRECTION APPROACH WITH STRUCTURAL BREAK

Directory of Open Access Journals (Sweden)

Akhsyim Afandi

2017-03-01

Full Text Available There was a question whether monetary policy works through bank lending channelrequired a monetary-induced change in bank loans originates from the supply side. Mostempirical studies that employed vector autoregressive (VAR models failed to fulfill thisrequirement. Aiming to offer a solution to this identification problem, this paper developed afive-variable vector error correction (VEC model of two separate bank credit markets inIndonesia. Departing from previous studies, the model of each market took account of onestructural break endogenously determined by implementing a unit root test. A cointegrationtest that took account of one structural break suggested two cointegrating vectors identifiedas bank lending supply and demand relations. The estimated VEC system for both marketssuggested that bank loans adjusted more strongly in the direction of the supply equation.

Fusion of expertise among accounting accounting faculty. Towards an expertise model for academia in accounting.

NARCIS (Netherlands)

Njoku, Jonathan C.; van der Heijden, Beatrice; Inanga, Eno L.

2010-01-01

This paper aims to portray an accounting faculty expert. It is argued that neither the academic nor the professional orientation alone appears adequate in developing accounting faculty expertise. The accounting faculty expert is supposed to develop into a so-called ‘flexpert’ (Van der Heijden, 2003)

GeneLab: Open Science For Exploration

Science.gov (United States)

Galazka, Jonathan

2018-01-01

The NASA GeneLab project capitalizes on multi-omic technologies to maximize the return on spaceflight experiments. The GeneLab project houses spaceflight and spaceflight-relevant multi-omics data in a publicly accessible data commons, and collaborates with NASA-funded principal investigators to maximize the omics data from spaceflight and spaceflight-relevant experiments. I will discuss the current status of GeneLab and give specific examples of how the GeneLab data system has been used to gain insight into how biology responds to spaceflight conditions.

Ntal/Lab/Lat2

DEFF Research Database (Denmark)

Iwaki, Shoko; Jensen, Bettina M; Gilfillan, Alasdair M

2007-01-01

T cells. As demonstrated in monocytes and B cells, phosphorylated NTAL/LAB/LAT2 recruits signaling molecules such as Grb2, Gab1 and c-Cbl into receptor-signaling complexes. Although gene knock out and knock down studies have indicated that NTAL/LAB/LAT2 may function as both a positive and negative...

Accurate diagnosis of CHD by Paediatricians with Expertise in Cardiology.

Science.gov (United States)

Jacob, Hannah C; Massey, Hannah; Yates, Robert W M; Kelsall, A Wilfred

2017-08-01

Introduction Paediatricians with Expertise in Cardiology assess children with a full history, examination, and often perform an echocardiogram. A minority are then referred to an outreach clinic run jointly with a visiting paediatric cardiologist. The accuracy of the echocardiography diagnosis made by the Paediatrician with Expertise in Cardiology is unknown. Materials and methods We conducted a retrospective review of clinic letters for children seen in the outreach clinic for the first time between March, 2004 and March, 2011. Children with CHD diagnosed antenatally or elsewhere were excluded. We recorded the echocardiography diagnosis made by the paediatric cardiologist and previously by the Paediatrician with Expertise in Cardiology. The Paediatrician with Expertise in Cardiology referred 317/3145 (10%) children seen in the local cardiac clinics to the outreach clinic over this period, and among them 296 were eligible for inclusion. Their median age was 1.5 years (range 1 month-15.1 years). For 244 (82%) children, there was complete diagnostic agreement between the Paediatrician with Expertise in Cardiology and the paediatric cardiologist. For 29 (10%) children, the main diagnosis was identical with additional findings made by the paediatric cardiologist. The abnormality had resolved in 17 (6%) cases by the time of clinic attendance. In six (2%) patients, the paediatric cardiologist made a different diagnosis. In total, 138 (47%) patients underwent a surgical or catheter intervention. Discussion Paediatricians with Expertise in Cardiology can make accurate diagnoses of CHD in children referred to their clinics. This can allow effective triage of children attending the outreach clinic, making best use of limited specialist resources.

Link About It: Information Asymmetry, Knowledge Pooling and Syndication in Project Finance Lending

NARCIS (Netherlands)

Contreras, Gaby; Bos, Jaap; Kleimeier, Stefanie

2018-01-01

In a collaborative setting, banks have an additional way to deal with asymmetric information between themselves and their borrowers: by pooling information. We explore the extent to which lead arrangers in the project finance syndicated lending market strategically choose their new partners in order

OpenLabNotes--An Electronic Laboratory Notebook Extension for OpenLabFramework.

Science.gov (United States)

List, Markus; Franz, Michael; Tan, Qihua; Mollenhauer, Jan; Baumbach, Jan

2015-10-06

Electronic laboratory notebooks (ELNs) are more accessible and reliable than their paper based alternatives and thus find widespread adoption. While a large number of commercial products is available, small- to mid-sized laboratories can often not afford the costs or are concerned about the longevity of the providers. Turning towards free alternatives, however, raises questions about data protection, which are not sufficiently addressed by available solutions. To serve as legal documents, ELNs must prevent scientific fraud through technical means such as digital signatures. It would also be advantageous if an ELN was integrated with a laboratory information management system to allow for a comprehensive documentation of experimental work including the location of samples that were used in a particular experiment. Here, we present OpenLabNotes, which adds state-of-the-art ELN capabilities to OpenLabFramework, a powerful and flexible laboratory information management system. In contrast to comparable solutions, it allows to protect the intellectual property of its users by offering data protection with digital signatures. OpenLabNotes effectively closes the gap between research documentation and sample management, thus making Open-LabFramework more attractive for laboratories that seek to increase productivity through electronic data management.

OpenLabNotes - An Electronic Laboratory Notebook Extension for OpenLabFramework.

Science.gov (United States)

List, Markus; Franz, Michael; Tan, Qihua; Mollenhauer, Jan; Baumbach, Jan

2015-09-01

Electronic laboratory notebooks (ELNs) are more accessible and reliable than their paper based alternatives and thus find widespread adoption. While a large number of commercial products is available, small- to mid-sized laboratories can often not afford the costs or are concerned about the longevity of the providers. Turning towards free alternatives, however, raises questions about data protection, which are not sufficiently addressed by available solutions. To serve as legal documents, ELNs must prevent scientific fraud through technical means such as digital signatures. It would also be advantageous if an ELN was integrated with a laboratory information management system to allow for a comprehensive documentation of experimental work including the location of samples that were used in a particular experiment. Here, we present OpenLabNotes, which adds state-of-the-art ELN capabilities to OpenLabFramework, a powerful and flexible laboratory information management system. In contrast to comparable solutions, it allows to protect the intellectual property of its users by offering data protection with digital signatures. OpenLabNotes effectively closes the gap between research documentation and sample management, thus making Open- LabFramework more attractive for laboratories that seek to increase productivity through electronic data management.

The Development of Strategic Bank Lending Industries in the Context of Globalization

Directory of Open Access Journals (Sweden)

Oksana Markovna Kramarenko

2015-09-01

Full Text Available It is shown that, in the context of globalization, improved credit support for strategic sectors of the economy (for example, shipbuilding can be achieved through the creation of a banking consortium based around leasing. A dialectical method of resolution of system tasks is selected as the methodological approach. Methods used include: comparative cost analysis of the strategic lending industry supporting the formation and development of a banking consortium; integrated method at the condition modeling of making and implementation of a lease agreement, which allowed to accommodate the interests for both parties of such agreement; optimization method to select the conditions of a lease agreement; classification and analytical method to clarify the classification of lease. The study proved and developed a plan of creation a banking consortium, including options of interaction of such consortium with potential customers based on a lease agreement. The process of functioning of the lease agreement in order to optimize it for both a bank consortium-lessor and a lessee is modeled. The significant advantages of leasing compared to the traditional lending for both parties of leasing, especially when ensuring long-term projects are summarized. The results of the research can be applied in the strategic lending industries development and can reduce the level of banking risks. Applying the results of the research in the social aspect can maintain and increase the number of jobs including the banking sector. The value of the work leis in the fact that the author has developed a new approach to achive the credit support for strategic sectors of the economy through the creation of the banking consortium based around leasing, which allows to protect the interests of both parties.

Altitude Lab

Data.gov (United States)

Federal Laboratory Consortium — The Altitude Lab evaluates the performance of complete oxygen systems operated in individually controlled hypobaric chambers, which duplicate pressures that would be...

Competencies of Thai expertise teacher and PCK

Science.gov (United States)

Chantaranima, Tarntip; Yuenyong, Chokchai

2018-01-01

Pedagogical Content Knowledge (PCK) was accepted by worldwide Educators that it is a ubiquitous word in the preparation of teachers in the past decade. This study uses Pedagogical Content Knowledge (PCK) framework as a lens for classifying the guidelines and expectations for categorizing expertise teachers. Therefore, the paper tries to clarify the relationship between competencies of Thai expertise teacher and PCK elements. To promote skillful Thai teachers by offering them academic titles, the Office of the Teacher Civil Service and Education Personal Commission were developed to provide guidelines and expectations for categorizing expertise teachers (OTEPC, 2009). This article focuses on the guideline criteria which are three areas of consideration. The first area of consideration is teacher's disciplines including virtues and professional conducts. The second area of consideration is teacher's knowledge and teaching ability. The last area of consider is teacher's performance. It seemed that the OTEPC guideline pay too much attention on the first area. However, there are some issues of PCK appearing on the OTEPC teacher competency. The paper will discuss some suggestions of fill up PCK in the OTEPC guideline. The paper may have implication for Thailand teacher education.

Humane Orientation and Corruption in Bank Lending

Directory of Open Access Journals (Sweden)

Siwapong Dheera-aumpon

2017-12-01

Full Text Available Corruption in bank lending can seriously adversely affect credit allocation. Besides banking factors, national culture can also affect the corruption of bank officials. Prior studies have shown that collectivism increases bank corruption. This paper aims to assess the effects of cultural dimensions, besides collectivism, on the corruption of bank officials. Instead of using Hofstede's cultural data, this paper uses the data from the GLOBE project which is more recent and reports more cultural dimensions than Hofstede’s. Using the data covering more than 3000 firms in 32 countries, this paper finds that humane orientation increases the corruption of bank officials. The effect of humane orientation on the corruption of bank officials is not only statistically significant but also economically relevant. The magnitude of its effect is relatively comparable to that of collectivism.

Musical expertise induces neuroplasticity of the planum temporale.

Science.gov (United States)

Meyer, Martin; Elmer, Stefan; Jäncke, Lutz

2012-04-01

The present manuscript summarizes and discusses the implications of recent neuroimaging studies, which have investigated the relationship between musical expertise and structural, as well as functional, changes in an auditory-related association cortex, namely, the planum temporale (PT). Since the bilateral PT is known to serve as a spectrotemporal processor that supports perception of acoustic modulations in both speech and music, it comes as no surprise that musical expertise corresponds to functional sensitivity and neuroanatomical changes in cortical architecture. In this context, we focus on the following question: To what extent does musical expertise affect the functioning of the left and right plana temporalia? We discuss the relationship between behavioral, hemodynamic, and neuroanatomical data obtained from musicians in light of maturational and developmental issues. In particular, we introduce two studies of our group that show to what extent brains of musicians are more proficient in phonetic task performance. © 2012 New York Academy of Sciences.

GitLab repository management

CERN Document Server

Hethey, Jonathan

2013-01-01

A simple, easy to understand tutorial guide on how to build teams and efficiently use version control, using GitLab.If you are a system administrator in a company that writes software or are in charge of an infrastructure, this book will show you the most important features of GitLab, including how to speed up the overall process

Are Virtual Labs as Effective as Hands-on Labs for Undergraduate Physics? A Comparative Study at Two Major Universities

Science.gov (United States)

Darrah, Marjorie; Humbert, Roxann; Finstein, Jeanne; Simon, Marllin; Hopkins, John

2014-01-01

Most physics professors would agree that the lab experiences students have in introductory physics are central to the learning of the concepts in the course. It is also true that these physics labs require time and money for upkeep, not to mention the hours spent setting up and taking down labs. Virtual physics lab experiences can provide an…

An adaptive toolbox approach to the route to expertise in sport.

Science.gov (United States)

de Oliveira, Rita F; Lobinger, Babett H; Raab, Markus

2014-01-01

Expertise is characterized by fast decision-making which is highly adaptive to new situations. Here we propose that athletes use a toolbox of heuristics which they develop on their route to expertise. The development of heuristics occurs within the context of the athletes' natural abilities, past experiences, developed skills, and situational context, but does not pertain to any of these factors separately. This is a novel approach because it integrates separate factors into a comprehensive heuristic description. The novelty of this approach lies within the integration of separate factors determining expertise into a comprehensive heuristic description. It is our contention that talent identification methods and talent development models should therefore be geared toward the assessment and development of specific heuristics. Specifically, in addition to identifying and developing separate natural abilities and skills as per usual, heuristics should be identified and developed. The application of heuristics to talent and expertise models can bring the field one step away from dichotomized models of nature and nurture toward a comprehensive approach to the route to expertise.

An adaptive toolbox approach to the route to expertise in sport

Directory of Open Access Journals (Sweden)

Rita F De Oliveira

2014-07-01

Full Text Available Expertise is characterized by fast decision-making which is highly adaptive to new situations. Here we propose that athletes use a toolbox of heuristics which they develop on their route to expertise. The development of heuristics occurs within the context of the athletes’ natural abilities, past experiences, developed skills, and situational context, but does not pertain to any of these factors separately. This is a novel approach because it integrates separate factors into a comprehensive heuristic description. The novelty of this approach lies within the integration of separate factors determining expertise into a comprehensive heuristic description. It is our contention that talent identification methods and talent development models should therefore be geared towards the assessment and development of specific heuristics. Specifically, in addition to identifying and developing separate natural abilities and skills as per usual, heuristics should be identified and developed. The application of heuristics to talent and expertise models can bring the field one step away from dichotomized models of nature and nurture towards a comprehensive approach to the route to expertise.

13 CFR 120.1900 - When does the Secondary Market Lending Authority Program end?

Science.gov (United States)

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false When does the Secondary Market Lending Authority Program end? 120.1900 Section 120.1900 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of an SBA Direct Loan Program for Systemically Important Secondary...

Can governments maintain hard budget contraints? : bank lending and financial isolaton in Romania

NARCIS (Netherlands)

Carare, O.V.; Claessens, C.A.M.F.; Perotti, E.C.

2000-01-01

This paper examines the empirical evidence on the impact of reforms in the financial sector in Romania in the period 1993-1995. The methodological framework of the paper is based on a theoretical model of intertemporal bank lending in a transition country with uncertain prospects for stabilization

Designing Viable Business Models for Living Labs

Directory of Open Access Journals (Sweden)

Bernhard R. Katzy

2012-09-01

Full Text Available Over 300 regions have integrated the concept of living labs into their economic development strategy since 2006, when the former Finnish Prime Minister Esko Aho launched the living lab innovation policy initiative during his term of European presidency. Despite motivating initial results, however, success cases of turning research into usable new products and services remain few and uncertainty remains on what living labs actually do and contribute. This practitioner-oriented article presents a business excellence model that shows processes of idea creation and team mobilization, new product development, user involvement, and entrepreneurship through which living labs deliver high-potential investment opportunities. Customers of living labs are identified as investors such as venture capitalists or industrial firms because living labs can generate revenue from them to create their own sustainable business model. The article concludes that living labs provide extensive support “lab” infrastructure and that it remains a formidable challenge to finance it, which calls for a more intensive debate.

Democracy and expertise

International Nuclear Information System (INIS)

Sundqvist, G.

1992-01-01

In the middle of the 1970s when Sweden had realized half of its planned nuclear power programme (six reactors of twelve), nuclear power came up on the top of the political agenda. This paper reports that the new government, who had to make the final decisions about the programme, was divided and disagreed about the future use of nuclear power. When the crucial decisions had to be made the government consulted both the expertise and the general public (in a referendum), but the outcome of these consultations were used only to legitimate the government's decisions

RoboLab and virtual environments

Science.gov (United States)

Giarratano, Joseph C.

1994-01-01

A useful adjunct to the manned space station would be a self-contained free-flying laboratory (RoboLab). This laboratory would have a robot operated under telepresence from the space station or ground. Long duration experiments aboard RoboLab could be performed by astronauts or scientists using telepresence to operate equipment and perform experiments. Operating the lab by telepresence would eliminate the need for life support such as food, water and air. The robot would be capable of motion in three dimensions, have binocular vision TV cameras, and two arms with manipulators to simulate hands. The robot would move along a two-dimensional grid and have a rotating, telescoping periscope section for extension in the third dimension. The remote operator would wear a virtual reality type headset to allow the superposition of computer displays over the real-time video of the lab. The operators would wear exoskeleton type arms to facilitate the movement of objects and equipment operation. The combination of video displays, motion, and the exoskeleton arms would provide a high degree of telepresence, especially for novice users such as scientists doing short-term experiments. The RoboLab could be resupplied and samples removed on other space shuttle flights. A self-contained RoboLab module would be designed to fit within the cargo bay of the space shuttle. Different modules could be designed for specific applications, i.e., crystal-growing, medicine, life sciences, chemistry, etc. This paper describes a RoboLab simulation using virtual reality (VR). VR provides an ideal simulation of telepresence before the actual robot and laboratory modules are constructed. The easy simulation of different telepresence designs will produce a highly optimum design before construction rather than the more expensive and time consuming hardware changes afterwards.

Lending Competition and Relationship Banking: Evidence from Japanese Prefectural Level Data

OpenAIRE

Ogura, Yoshiaki; Yamori, Nobuyoshi

2009-01-01

The question of whether more competition among banks increases relationship banking, which is predicted to improve credit availability for informationally opaque firms in theory, is a controversial issue in the banking literature. By using firm-level survey data in Japan, this paper provides evidence for the negative correlation between lending competition and the provision of relationship banking . This paper raises the question whether fierce interbank competition is always beneficial for...

A Multimodal Neural Network Recruited by Expertise with Musical Notation

Science.gov (United States)

Wong, Yetta Kwailing; Gauthier, Isabel

2010-01-01

Prior neuroimaging work on visual perceptual expertise has focused on changes in the visual system, ignoring possible effects of acquiring expert visual skills in nonvisual areas. We investigated expertise for reading musical notation, a skill likely to be associated with multimodal abilities. We compared brain activity in music-reading experts…

The Design:Lab as platform in participatory design research

DEFF Research Database (Denmark)

Binder, Thomas; Brandt, Eva

2008-01-01

The notion of laboratory or simply 'lab' has become popular in recent years in areas outside science and technology development. Learning Labs, Innovation Labs, Usability Labs, Media and Communication Labs and even Art Labs designate institutions or fora dedicated to change and experimentation...... as others have frequently used other metaphors like workshop, studio or atelier in design research. In this article we will argue that the laboratory metaphor is particularly suitable and useful for the design:lab, and we will give examples of how we have worked with the design:lab as a platform...

Banking Competition and Soft Budget Constraints: How Market Power can Threaten Discipline in Lending

NARCIS (Netherlands)

Arping, S.

2012-01-01

n imperfectly competitive credit markets, banks can face a tradeoff between exploiting their market power and enforcing hard budget constraints. As market power rises, banks eventually find it too costly to discipline underperforming borrowers by stopping their projects. Lending relationships become

CDC Lab Values

Centers for Disease Control (CDC) Podcasts

2015-02-02

More than fifteen hundred scientists fill the lab benches at CDC, logging more than four million hours each year. CDC’s laboratories play a critical role in the agency’s ability to find, stop, and prevent disease outbreaks. This podcast provides a brief overview of what goes on inside CDC’s labs, and why this work makes a difference in American’s health.  Created: 2/2/2015 by Office of the Associate Director for Communication (OADC).   Date Released: 2/2/2015.

A new LabVIEW interface for MDSplus

International Nuclear Information System (INIS)

Manduchi, G.; De Marchi, E.; Mandelli, A.

2013-01-01

Highlights: ► Integration object oriented data access layer in LabVIEW. ► A new component of the MDSplus data acquisition package. ► A new approach in the graphical presentation of data acquisition systems. -- Abstract: The paper presents a new interface providing full integration of MDSplus in LabVIEW, based on the recent features of MDSplus, in particular, data streaming, multithreading and Object Oriented interface. Data streaming support fits into the data driven concept of LabVIEW and multithreading is a native concept in LabVIEW. The object oriented interface of MDSplus defines a set of classes which map specific functionality, such as Tree and TreeNode to represent pulse files and data items, respectively, and fits naturally into the LabVIEW Object Oriented programming interface (LVOOP) introduced in version 8.2. MDSplus objects have been mapped onto LabVIEW objects, which act as wrappers to the underlying MDSplus object instance. This approach allows exporting the full MDSplus functionality into LabVIEW retaining the language-independent system view provided by the MDSplus object oriented interface

A new LabVIEW interface for MDSplus

Energy Technology Data Exchange (ETDEWEB)

Manduchi, G., E-mail: gabriele.manduchi@igi.cnr.it [Consorzio RFX, Euratom-ENEA Association, Padova (Italy); De Marchi, E. [Department of Information Engineering, Padova University (Italy); Mandelli, A. [National Instruments (Italy)

2013-10-15

Highlights: ► Integration object oriented data access layer in LabVIEW. ► A new component of the MDSplus data acquisition package. ► A new approach in the graphical presentation of data acquisition systems. -- Abstract: The paper presents a new interface providing full integration of MDSplus in LabVIEW, based on the recent features of MDSplus, in particular, data streaming, multithreading and Object Oriented interface. Data streaming support fits into the data driven concept of LabVIEW and multithreading is a native concept in LabVIEW. The object oriented interface of MDSplus defines a set of classes which map specific functionality, such as Tree and TreeNode to represent pulse files and data items, respectively, and fits naturally into the LabVIEW Object Oriented programming interface (LVOOP) introduced in version 8.2. MDSplus objects have been mapped onto LabVIEW objects, which act as wrappers to the underlying MDSplus object instance. This approach allows exporting the full MDSplus functionality into LabVIEW retaining the language-independent system view provided by the MDSplus object oriented interface.

On the assessment of expertise profiles

NARCIS (Netherlands)

Berendsen, R.; Rijke, M. de; Balog, K.; Bogers, T.; Bosch, A.P.J. van den

2013-01-01

Expertise retrieval has attracted significant interest in the field of information retrieval. Expert finding has been studied extensively, with less attention going to the complementary task of expert profiling, that is, automatically identifying topics about which a person is knowledgeable. We

An Effective Interval-Valued Intuitionistic Fuzzy Entropy to Evaluate Entrepreneurship Orientation of Online P2P Lending Platforms

Directory of Open Access Journals (Sweden)

Xiaohong Chen

2013-01-01

Full Text Available This paper describes an approach to measure the entrepreneurship orientation of online P2P lending platforms. The limitations of existing methods for calculating entropy of interval-valued intuitionistic fuzzy sets (IVIFSs are significantly improved by a new entropy measure of IVIFS considered in this paper, and then the essential properties of the proposed entropy are introduced. Moreover, an evaluation procedure is proposed to measure entrepreneurship orientation of online P2P lending platforms. Finally, a case is used to demonstrate the effectiveness of this method.

78 FR 4725 - Escrow Requirements Under the Truth in Lending Act (Regulation Z)

Science.gov (United States)

2013-01-22

... the Truth in Lending Act (TILA), 15 U.S.C. 1601 et seq., based on findings that economic stability... Current Mortgage Origination Market Even with the economic downturn and tightening of credit standards...'' numbered 7, 10, 11, and 12, maintained by the Economic Research Service (ERS) of the United States...

Monetary policy, bank size and bank lending: Evidence from Australia

OpenAIRE

Liu, Luke

2011-01-01

The transmission of monetary policy may hold the key to explaining the effects of policy on the economy. The objective of the study is to assess the importance of the bank lending channel in the transmission of monetary policy in Australia. In this paper, we found that the effectiveness of monetary policy varies with the size of the bank as well as the type of the loan. For different asset size and different kinds of loans, the effect of monetary policy is different. Thus, policy has distribu...

Awakening interest in the natural sciences - BASF's Kids' Labs.

Science.gov (United States)

Lang, Cinthia

2012-01-01

At BASF's Ludwigshafen headquarters, kids and young adults in grades 1-13 can learn about chemistry in the Kids' Labs. Different programs exist for different levels of knowledge. In the two 'Hands-on Lab H(2)O & Co.' Kids' Labs, students from grades 1-6 explore the secrets of chemistry. BASF Kids' Labs have now been set up in over 30 countries. In Switzerland alone, almost 2,000 students have taken part in the 'Water Loves Chemistry' Kids' Lab since it was started in 2011. In Alsace, 600 students have participated to date. In the Teens' Lab 'Xplore Middle School', middle school students explore five different programs with the themes 'substance labyrinth', 'nutrition', 'coffee, caffeine & co.', 'cosmetics' and 'energy'. Biotechnological methods are the focus of the Teens' Lab 'Xplore Biotech' for students taking basic and advanced biology courses. In the 'Xplore High School' Teens' Lab, chemistry teachers present their own experimental lab instruction for students in basic and advanced chemistry courses. The Virtual Lab has been expanding the offerings of the BASF Kids' Labs since 2011. The online lab was developed by the company for the International Year Of Chemistry and gives kids and young adults the opportunity to do interactive experiments outside of the lab.

75 FR 50936 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management

Science.gov (United States)

2010-08-18

...-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management AGENCY: Farm Credit... sound operation of System institutions by strengthening their risk management practices and abilities to... the establishment of consistent, uniform and prudent concentration risk management policies by System...

LabVIEW Real-Time

CERN Multimedia

CERN. Geneva; Flockhart, Ronald Bruce; Seppey, P

2003-01-01

With LabVIEW Real-Time, you can choose from a variety of RT Series hardware. Add a real-time data acquisition component into a larger measurement and automation system or create a single stand-alone real-time solution with data acquisition, signal conditioning, motion control, RS-232, GPIB instrumentation, and Ethernet connectivity. With the various hardware options, you can create a system to meet your precise needs today, while the modularity of the system means you can add to the solution as your system requirements grow. If you are interested in Reliable and Deterministic systems for Measurement and Automation, you will profit from this seminar. Agenda: Real-Time Overview LabVIEW RT Hardware Platforms - Linux on PXI Programming with LabVIEW RT Real-Time Operating Systems concepts Timing Applications Data Transfer

The scripts and expertise of firesetters: A preliminary conceptualization

OpenAIRE

Butler, Helen; Gannon, Theresa A.

2015-01-01

The importance of cognition in the facilitation and reinforcement of criminal behavior has been highlighted and recognized in numerous offender populations. Coupled with this is an emerging body of literature suggesting offenders may, in fact, display a certain level of expertise in their offending. In this paper, the notion of offending expertise along with cognition—specifically the concept of offence scripts—will be explored in relation to firesetting behavior for the first time. Using res...

UniSchooLabs Toolkit: Tools and Methodologies to Support the Adoption of Universities’ Remote and Virtual Labs in Schools

Directory of Open Access Journals (Sweden)

Augusto Chioccariello

2012-11-01

Full Text Available The UniSchooLabs project aims at creating an infrastructure supporting web access to remote/virtual labs and associated educational resources to engage learners with hands-on and minds-on activities in science, technology and math in schools. The UniSchooLabs tool-kit supports the teacher in selecting a remote or virtual lab and developing a lab activity based on an inquiry model template. While working with the toolkit the teacher has access to three main features: a a catalogue of available online laboratories; b an archive of activities created by other users; c a tool for creating new activities or reusing existing ones.

Do capital buffers mitigate volatility of bank lending? A simulation study

OpenAIRE

Heid, Frank; Krüger, Ulrich

2011-01-01

Critics claim that capital requirements can exacerbate credit cycles by restricting lending in an economic downturn. The introduction of Basel 2, in particular, has led to concerns that risksensitive capital charges are highly correlated with the business cycle. The Basel Committee is contemplating a revision of the Basel Accord by introducing counter-cyclical capital buffers. Others claim that capital buffers are already large enough to absorb fluctuations in credit risk. We address the ques...

Mortgage lending and house prices in Albania - a co-integrated analysis based on VECM

Directory of Open Access Journals (Sweden)

Erjona REBI

2014-06-01

Full Text Available The general view that the banks’ lending plays a crucial role in the real estate market was again confirmed during the recent financial crisis. During the precrisis period, house prices in Albania increased rapidly, supported also by a fast expansion of mortgage lending. This study aims to empirically analyse the relation between housing prices and banks’ financing in the long run, referring to a VECM model. The estimated results confirm the important role of mortgage to house prices. Meanwhile, the relation between house prices and interest rates resulted statistically insignificant. Unlike the previous literature, exchange rate has been included as an endogenous variable. Results show positive correlation and statistical significance between house prices and exchange rate. Finally, this paper is expected to contribute to the literature as there are very few studies that elaborate on the macroeconomic factors’ influence on the housing prices in Albania.

Incorporating lab experience into computer security courses

NARCIS (Netherlands)

Ben Othmane, L.; Bhuse, V.; Lilien, L.T.

2013-01-01

We describe our experience with teaching computer security labs at two different universities. We report on the hardware and software lab setups, summarize lab assignments, present the challenges encountered, and discuss the lessons learned. We agree with and emphasize the viewpoint that security

Does gender affect funding success at the peer-to-peer credit markets? Evidence from the largest German lending platform

OpenAIRE

Barasinska, Nataliya; Schäfer, Dorothea

2010-01-01

Studies of peer-to-peer lending in the USA find that female borrowers have better chances of getting funds than males. Is differential treatment of borrowers of different sexes a common feature of peer-to-peer lendingmarkets or is it subject to specific businessmodels, ways of fixing loan contracts and even national financial systems? We aim at answering this question by providing evidence on loan procurement at the largest German peer-to-peer lending platform Smava.de. Our results show that ...

Digital Student Expertise in the Making

DEFF Research Database (Denmark)

Stenbøg, Sofie

student (e.g. Bennett et. al. 2008, Helsper & Eynon 2009). In this paper I go beyond the idea of digital expertise as something intrinsic. Building on STS’s central notion of performativity (e.g. Law & Singleton 2000) the paper argues that digital expertise should be studied as a temporary achievement......Digital Natives, iGens’ or New Millennium Learners (Prensky 2001, Raphelson 2014, OECD 2008). There are many labels for the generation of young (western) citizens who have grown up with digital, web based technologies as a crucial part of their everyday life. This genera-tion now inhabits schools...... all around the world and their entry has not escaped the attention from teachers, school managers and policy makers. A current trend within education management, in Denmark as well as internationally, is to incorporate the students’ digital skills or ‘expertise’ as a resource in teaching, e.g. through...

Flight nursing expertise: towards a middle-range theory

Science.gov (United States)

Reimer, Andrew P.; Moore, Shirley M.

2010-01-01

Aim This paper presents a middle-range Theory of Flight Nursing Expertise. Background Rotary-wing (helicopter) medical transport has grown rapidly in the USA since its introduction, particularly during the past 5 years. Patients once considered too sick to transport are now being transported more frequently and over longer distances. Many limitations are imposed by the air medical transport environment and these require nurses to alter their practice. Data sources A literature search was conducted using Pubmed, Medline, CINAHL, secondary referencing and an Internet search from 1960 to 2008 for studies related to the focal concepts in flight nursing. Discussion The middle-range Theory of Flight Nursing Expertise is composed of nine concepts (experience, training, transport environment of care, psychomotor skills, flight nursing knowledge, cue recognition, pattern recognition, decision-making and action) and their relationships. Five propositions describe the relationships between those concepts and how they apply to flight nursing expertise. Implications for nursing After empirical testing, this theory may be a useful tool to assist novice flight nurses to attain the skills necessary to provide safe and competent care more efficiently, and may aid in designing curricula and programmes of research. Conclusion Research is needed to determine the usefulness of this theory in both rotary and fixed-wing medical transport settings, and to examine the similarities and differences related to expertise needed for different flight nurse team compositions. Curriculum and training innovations can result from increased understanding of the concepts and relationships proposed in this theory. PMID:20337803

Lab architecture

Science.gov (United States)

Crease, Robert P.

2008-04-01

There are few more dramatic illustrations of the vicissitudes of laboratory architecturethan the contrast between Building 20 at the Massachusetts Institute of Technology (MIT) and its replacement, the Ray and Maria Stata Center. Building 20 was built hurriedly in 1943 as temporary housing for MIT's famous Rad Lab, the site of wartime radar research, and it remained a productive laboratory space for over half a century. A decade ago it was demolished to make way for the Stata Center, an architecturally striking building designed by Frank Gehry to house MIT's computer science and artificial intelligence labs (above). But in 2004 - just two years after the Stata Center officially opened - the building was criticized for being unsuitable for research and became the subject of still ongoing lawsuits alleging design and construction failures.

mQoL smart lab

DEFF Research Database (Denmark)

De Masi, Alexandre; Ciman, Matteo; Gustarini, Mattia

2016-01-01

serve quality research in all of them. In this paper, we present own "mQoL Smart Lab" for interdisciplinary research efforts on individuals' "Quality of Life" improvement. We present an evolution of our current in-house living lab platform enabling continuous, pervasive data collection from individuals...

An Agent Based Approach To Finding Expertise In The Engineering Design Environment

OpenAIRE

Crowder, Richard; Hughes, Gareth; Hall, Wendy

2003-01-01

During the engineering design process people need to locate colleagues with knowledge to resolve a problem. As identified by discussions with practicing designers the use of computer based systems that assist users with finding such expertise will become increasingly important. In this paper we discuss the development of an agent based Expertise Finder suitable for use within an engineering design environment. A key feature of our approach is that the Expertise Finder returns both recommended...

A dynamic network model of expertise and exceptional performance in sports

NARCIS (Netherlands)

den Hartigh, Ruud; van Geert, Paul

2014-01-01

Introduction The study of expertise and exceptional performance covers a range from “beginner” to world-class performance. While developing sport expertise a variety of interacting internal and external performance factors are involved, which may differ between athletes (Phillips et al., 2010). The

Ontology: A Support Structure for a V-Labs Network: Euronet-Lab

Directory of Open Access Journals (Sweden)

Raul Cordeiro Correia

2012-11-01

Full Text Available Our propose is to build a network of virtual laboratories, based in a Virtual Closet that will contain all the elements and parts that are needed to build the various experiences available in a v-labs network (that we call Euronet-Lab. To build this complex network we need to find a system that supports effectively this structure. This probably will be a enormous database of v-labs and independent elements, where will be possible sometimes to “recycle” some of the elements. This means “re-use” the same element several times in many experiences. To do this is necessary to have a structure that allows us to have several instances of the same element. It’s important that in our structure and virtual environment we can create several “images” of the same reality and this images can be used simultaneously in different circuits/experiments. This means that we can create several instances of the same element, to be used in different experiences and exercises.

Future{at}Labs.Prosperity Game{trademark}

Energy Technology Data Exchange (ETDEWEB)

Beck, D.F.; Boyack, K.W.; Berman, M. [Sandia National Labs., Albuquerque, NM (United States). Innovative Alliances Dept.

1996-10-01

Prosperity Games{trademark} are an outgrowth and adaptation of move/countermove and seminar War Games, Prosperity Games{trademark} are simulations that explore complex issues in a variety of areas including economics, politics, sociology, environment, education, and research. These issues can be examined from a variety of perspectives ranging from global, macroeconomic and geopolitical viewpoint down to the details of customer/supplier/market interactions specific industries. All Prosperity Games{trademark} are unique in that both the game format and the player contributions vary from game to game. This report documents the Future{at}Labs.Prosperity Game{trademark} conducted under the sponsorship of the Industry Advisory Boards of the national labs, the national labs, Lockheed Martin Corporation, and the University of California. Players were drawn from all stakeholders involved including government, industry, labs, and academia. The primary objectives of this game were to: (1) explore ways to optimize the role of the multidisciplinary labs in serving national missions and needs; (2) explore ways to increase collaboration and partnerships among government, laboratories, universities, and industry; and (3) create a network of partnership champions to promote findings and policy options. The deliberations and recommendations of these players provided valuable insights as to the views of this diverse group of decision makers concerning the future of the labs.

Group lending and the role of the group leader : Theory and evidence from Eritrea

NARCIS (Netherlands)

Eijkel, Remco van; Hermes, Niels; Lensink, Robert

2007-01-01

Abstract: This paper investigates the strategic monitoring behaviour within a group lending setting. We develop a theoretical model, showing that monitoring efforts of group members differ from each other in equilibrium, as a result of the asymmetry between these members in terms of the future

Financial Expertise as an Arms Race

NARCIS (Netherlands)

Glode, V.; Green, R.C.; Lowery, R.

2010-01-01

We propose a model in which rms involved in trading securities overinvest in financial expertise. Intermediaries or traders in the model meet and bargain over a financial asset. As in the bargaining model in Dang (2008), counterparties endogenously decide whether to acquire information, and improve

Financial Expertise as an Arms Race

NARCIS (Netherlands)

Glode, V.; Green, R.C.; Lowery, R.

2010-01-01

We propose a model in which firms involved in trading securities overinvest in financial expertise. Intermediaries or traders in the model meet and bargain over a financial asset. As in the bargaining model in Dang (2008), counterparties endogenously decide whether to acquire information, and

Rethinking global health research: towards integrative expertise

Directory of Open Access Journals (Sweden)

MacLachlan Malcolm

2009-07-01

Full Text Available Abstract The Bamako Call for Action on Research for Health stresses the importance of inter-disciplinary, inter-ministerial and inter-sectoral working. This challenges much of our current research and postgraduate research training in health, which mostly seeks to produce narrowly focused content specialists. We now need to compliment this type of research and research training, by offering alternative pathways that seek to create expertise, not only in specific narrow content areas, but also in the process and context of research, as well as in the interaction of these different facets of knowledge. Such an approach, developing 'integrative expertise', could greatly facilitate better research utilisation, helping policy makers and practitioners work through more evidence-based practice and across traditional research boundaries.

Programming Arduino with LabVIEW

CERN Document Server

Schwartz, Marco

2015-01-01

If you already have some experience with LabVIEW and want to apply your skills to control physical objects and make measurements using the Arduino sensor, this book is for you. Prior knowledge of Arduino and LabVIEW is essential to fully understand the projects detailed in this book.

Public lending to private hedge funds is inefficient, unstable, unconstitutional and unanimously disagreeable

Directory of Open Access Journals (Sweden)

Sankarshan Acharya

2016-06-01

Full Text Available Public funds include federally insured deposits held under the custody of private banks, central bank loans and taxpayer funds. The principal finding of this paper is that lending such public funds through a private banking system to private hedge funds allied with the banks is inefficient, unstable, fundamentally unfair (unconstitutional and unanimously disagreeable. This finding is akin to the unanimously agreeable safe central banking policy (Acharya, 1991-2016 which, in dynamic general equilibrium, (a eliminates federal guarantee of bank deposits, (b offers every business enterprise and household an option to keep in the central bank any part of its deposits it wants to be held absolutely safely, (c completely deregulates all private banks without any privilege to rob public or private wealth like too-big-to-fail or too-big-to-be-jailed status or the power of market making and clearing. Safe central banking is the only way to make private banks responsible to hold sufficient capital to attract uninsured private deposits like the trading houses currently do. The private banks will then have complete freedom to lend their uninsured deposits to private hedge funds. The Volker Rule (NYT, January 30, 2010, incorporated in the Dodd-Frank Act of 2010, is an infeasible and unworkable band-aid for the moral-hazard driven systemic robbery of wealth creators wrought by the government-ordained private banking custody of public funds. The established systemic moral-hazard problem can be efficiently and constitutionally resolved only through unanimously agreeable safe central banking. Current proposals on overhauling of Fannie and Freddie made by various pundits of systemic robbery amount to a gargantuan amount of public lending to private hedge funds and, hence, inefficient, unstable, unconstitutional and unanimously disagreeable.

Supervisor Expertise: Resolving the Dilemma between Bureaucratic Control and Teacher Autonomy.

Science.gov (United States)

Street, Mary Sue; Licata, Joseph W.

1989-01-01

Ideally, teacher confidence in the principal's instructional or supervisory expertise can overcome concerns about professional autonomy and bureaucratic control. This study focuses on elementary teachers' perceptions of the relationships among the principal's supervisory expertise, teacher sense of autonomy, and the robustness of school climate.…

Expertise prompts initial faster processing followed by increased short-term memory

DEFF Research Database (Denmark)

Dall, Jonas Olsen; Watanabe, Katsumi; Sørensen, Thomas Alrik

2017-01-01

with varying degrees of expertise in Japanese reading participated: Danish students (novice), Danish students studying Japanese (trained), and Japanese students (expert).The results showed that while expertise enhanced VSTM only for the expert group, replicating our previous study (Dall et al., 2016), it did...

CHALLENGES AROUND DIGITAL BOOK LENDING LIBRARY

Directory of Open Access Journals (Sweden)

Julio Alonso-Arévalo

2015-03-01

Full Text Available The development and expansion of the global market for electronic books and associated models to lending library are still in a developmental state and uncertainty. After a first stage in which major publishers refused to sell licenses loan at present publishers are putting more e-book titles available to libraries, although with some restrictions. The dominant trend is moving inexorably towards greater availability and access to digital titles to libraries. Once this stage about the limited availability of titles are pending other matters as the issue of licensing costs, with different rates offered to the public, which are increased in some cases up to three or more sometimes the retail price, which further complicates the procurement processes for libraries in a time when budgets are limited, hampering the ability of libraries to acquire adequate collection of digital products. Among other issues, technological and commercial that limit many uses they had libraries in the analog context, ownership and possession of the collection, the same stability, portability across platforms, and the difficulties associated with DRM systems digital rights management.

Reflections on clinical expertise and silent know-how in voice therapy

DEFF Research Database (Denmark)

Iwarsson, Jenny

2014-01-01

The concept of ‘clinical expertise’ is described as a part of evidence-based practice (EBP) together with ‘external scientific evidence’ and ‘patient values and perspectives’. However, clinical expertise in the management of voice disorders has not been described or discussed in much detail....... The expertise seems to consist partly of silent know-how that, from the outside, may seem improperly related to the personality of the speech-language pathologist or exclusively dependent on the number of years in the field. In this paper, it is suggested that clinical expertise in voice therapy consists...

Driven by Expertise and Insulation? The Autonomy of European Regulatory Agencies

Directory of Open Access Journals (Sweden)

Christoph Ossege

2015-03-01

Full Text Available Expertise and autonomy are cornerstones to the effective operation and legitimacy of European Regulatory Agencies (ERAs. Yet, we know little about ERAs’ actual autonomy, nor about factors shaping it. This article studies ERAs’ actual autonomy from public and private actors, emphasising two crucial explanatory factors: expertise and rulemaking competences. The lack of insights on expertise is particularly striking, as expertise—the “raison d’être” and main resource of expert bodies—provides ERAs with a potentially powerful means to increase autonomy. Relying on a rational institutionalist framework within which ERAs enjoy substantive discretion to pursue their goals, the study empirically compares three powerful ERAs—the European Medicines Agency, the European Chemicals Agency, and the European Food Safety Authority. Based on the analysis of 39 semi-structured expert interviews, findings show that expertise is a crucial explanation for ERAs’ substantive autonomy from the Commission. Towards research intensive private stakeholders, the role of expertise becomes less pronounced. Instead, ERAs are more successful in protecting their autonomy by engaging in the risk-averse interpretation of the regulatory framework and by adapting rules over time to adapt their needs: they engage in “procedural insulation”. Political salience provides a scope condition for ERAs to use expert knowledge and rulemaking competences more strategically—potentially undermining scientific quality.

The relative efficiency of bank branches in lending and borrowing: An application of data envelopment analysis

Directory of Open Access Journals (Sweden)

G van der Westhuizen

2014-08-01

Full Text Available The relative efficiency of fifty-two branches of a small South African bank was estimated using Data Envelopment Analysis (DEA.  A factor responsible for the difference in efficiency between branches might be the difference in managing the asset (loans and the liability (deposit side of the balance sheet.  For this reason, the relative efficiency of the lending and borrowing activities was also estimated and compared to the relative efficiency of the combined (lending and borrowing activities.In the case of the efficiency estimates for loans and deposits, the indications are that the branches were more efficient in managing the liability side (deposits than  in managing the asset side (loans.  This means that purchased funds were not utilised efficiently.

Recommendations for centres of expertise in rare anaemias. The ENERCA White Book

OpenAIRE

Joan-Lluis Vives Corrons; María del Mar Mañú Pereira; Carlos Romeo-Casabona; Pilar Nicolás; Béatrice Gulbis; Androulla Eleftheriou; Michael Angastiniotis; Patricia Aguilar Martínez; Paola Bianchi; Richard Van Wijk; Hermann Heimpel; Barbara De la Salle; Andrea Mosca

2014-01-01

The Community added value of Centres of Expertise (CoE) and European Reference Networks (ERN) is particularly high for rare diseases (RD) due to the rarity of these conditions, which implies both a small number of patients and scarcity of expertise within a single country. Gathering expertise at the European level is therefore, paramount in order to ensure equal access to accurate information, appropriate and timely diagnosis and high quality clinical care and follow up for patients with rare...

In lands of foreign currency credit, bank lending channels run through?

OpenAIRE

Ongena, Steven; Schindele, Ibolya; Vonnák, Dzsamila

2014-01-01

We analyze the differential impact of domestic and foreign monetary policy on the local supply of bank credit in domestic and foreign currencies. We analyze a novel, supervisory dataset from Hungary that records all bank lending to firms including its currency denomination. Accounting for time-varying firm-specific heterogeneity in loan demand, we find that a lower domestic interest rate expands the supply of credit in the domestic but not in the foreign currency. A lower foreign interest rat...

Social networks and expertise development for Australian breast radiologists.

Science.gov (United States)

Taba, Seyedamir Tavakoli; Hossain, Liaquat; Willis, Karen; Lewis, Sarah

2017-02-11

In this study, we explore the nexus between social networks and expertise development of Australian breast radiologists. Background literature has shown that a lack of appropriate social networks and interaction among certain professional group(s) may be an obstacle for knowledge acquisition, information flow and expertise sharing. To date there have not been any systematic studies investigating how social networks and expertise development are interconnected and whether this leads to improved performance for breast radiologists. This study explores the value of social networks in building expertise alongside with other constructs of performance for the Australian radiology workforce using semi-structured in-depth interviews with 17 breast radiologists. The findings from this study emphasise the influences of knowledge transfer and learning through social networks and interactions as well as knowledge acquisition and development through experience and feedback. The results also show that accessibility to learning resources and a variety of timely feedback on performance through the information and communication technologies (ICT) is likely to facilitate improved performance and build social support. We argue that radiologists' and, in particular, breast radiologists' work performance, needs to be explored not only through individual numerical characteristics but also by analysing the social context and peer support networks in which they operate and we identify multidisciplinary care as a core entity of social learning.

Expertise effects in cutaneous wind perception

NARCIS (Netherlands)

Pluijms, Joost P.; Cañal-Bruland, Rouwen; Bergmann Tiest, Wouter M.; Mulder, F.A.; Savelsbergh, Geert J.P.

2015-01-01

We examined whether expertise effects are present in cutaneous wind perception. To this end, we presented wind stimuli consisting of different wind directions and speeds in a wind simulator. The wind simulator generated wind stimuli from 16 directions and with three speeds by means of eight

Online labs and the MARVEL experience

Directory of Open Access Journals (Sweden)

Dieter Mueller

2005-06-01

Full Text Available MARVEL is a Leonardo da Vinci project that provides a framework to analyse the pedagogic effectiveness of online labs in various heterogeneous areas that include solar energy, robotics, electronics and electro-pneumatics. It is also used as a test bench to compare the implementation of purely remote labs, where all devices are real, versus mixed-reality environments, where real devices work together with simulation models. This paper describes the basic concepts underlying the implementation of such online labs and presents two case studies (which are openly available to the public. A final section discusses the main pedagogical implications of online labs and presents the research directions that are being considered as a follow-up from this project.

12 CFR Appendix A to Subpart D of... - Interagency Guidelines for Real Estate Lending

Science.gov (United States)

2010-01-01

... board of directors. Real estate lending is an integral part of many institutions' business plans and... both internal and external factors in the formulation of its loan policies and strategic plan. Factors... institution's board of directors. (See additional reporting requirements described under “Exceptions to the...

OpenLabNotes – An Electronic Laboratory Notebook Extension for OpenLabFramework

Directory of Open Access Journals (Sweden)

List Markus

2015-09-01

Full Text Available Electronic laboratory notebooks (ELNs are more accessible and reliable than their paper based alternatives and thus find widespread adoption. While a large number of commercial products is available, small- to mid-sized laboratories can often not afford the costs or are concerned about the longevity of the providers. Turning towards free alternatives, however, raises questions about data protection, which are not sufficiently addressed by available solutions. To serve as legal documents, ELNs must prevent scientific fraud through technical means such as digital signatures. It would also be advantageous if an ELN was integrated with a laboratory information management system to allow for a comprehensive documentation of experimental work including the location of samples that were used in a particular experiment. Here, we present OpenLabNotes, which adds state-of-the-art ELN capabilities to OpenLabFramework, a powerful and flexible laboratory information management system. In contrast to comparable solutions, it allows to protect the intellectual property of its users by offering data protection with digital signatures. OpenLabNotes effectively closes the gap between research documentation and sample management, thus making Open- LabFramework more attractive for laboratories that seek to increase productivity through electronic data management.

Developing a green lending model for renewable energy project (case study electricity from biogas fuel at Palm Oil Industry)

Science.gov (United States)

Sukirman, Y. A.

2018-03-01

In the last two decades, development initiatives solely aimed to generate economic growth has been placed under scrutiny, particularly amidst the rampant discussion on the quality decline of the environment, growing social divide and climate change along with its implications thereof. Considerations of the negative impacts brought about by the economic development process prompted the move to adopt the sustainable financing model that gives precedence to economic, environmental and social aspects. We introduced Green Lending Model for Renewable Energy Project (Case Study Electricity From Biogas at Palm Oil Industry) based on sustainability financing, which is used as variable to implementing financial institutions’ lending policies. There are two major trends in the literature relating to sustainability and the banking industry: external and internal practices. The external practices strand analyzes the relevance of sustainability to the bank’s communication with shareholders and other stakeholders, and how investors use it as a measure to help achieve optimal portfolio allocation. The internal practices literature, more relevant to the present work, studies how sustainability criteria are integrated into risk management models and lending practices. Its first implementation is in the Palm Oil industry at South Sumatera. The results explained that sustainability is not related to profit either from a short- or long-term perspective. The Sustainable Green Lending Model is related to the Equator Principles and its application is driven to project financing. It also related with short- and long-term risks and opportunities, instead of short-term sustainability impacts.

Dedicated OO expertise applied to Run II software projects

International Nuclear Information System (INIS)

Amidei, D.

2000-01-01

The change in software language and methodology by CDF and D0 to object-oriented from procedural Fortran is significant. Both experiments requested dedicated expertise that could be applied to software design, coding, advice and review. The Fermilab Run II offline computing outside review panel agreed strongly with the request and recommended that the Fermilab Computing Division hire dedicated OO expertise for the CDF/D0/Computing Division joint project effort. This was done and the two experts have been an invaluable addition to the CDF and D0 upgrade software projects and to the Computing Division in general. These experts have encouraged common approaches and increased the overall quality of the upgrade software. Advice on OO techniques and specific advice on C++ coding has been used. Recently a set of software reviews has been accomplished. This has been a very successful instance of a targeted application of computing expertise, and constitutes a very interesting study of how to move toward modern computing methodologies in HEP

Current expertise location by exploiting the dynamics of knowledge

Directory of Open Access Journals (Sweden)

Josef Nozicka

2012-10-01

Full Text Available Systems for expertise location are either very expensive in terms of the costs of maintenance or they tend to become obsolete or incomplete during the time. This article presents a new approach to knowledge mapping/expertise location allowing reducing the costs of knowledge mapping by maintaining the accuracy of the knowledge map. The efficiency of the knowledge map is achieved by introducing the knowledge estimation measures analysing the dynamics of knowledge of company employees and their textual results of work. Finding an expert with most up-to date knowledge is supported by focusing publishing history analysis. The efficiency of proposed measures within various timeframes of publishing history is evaluated by evaluation method introduced within the article. The evaluation took place in the environment of a middle-sized software company allowing seeing directly a practical usability of the expertise location technique. The results form various implications deployment of knowledge map within the company.

Loss of Flow Accident (LOFA) analyses using LabView-based NRR simulator

Energy Technology Data Exchange (ETDEWEB)

Arafa, Amany Abdel Aziz; Saleh, Hassan Ibrahim [Atomic Energy Authority, Cairo (Egypt). Radiation Engineering Dept.; Ashoub, Nagieb [Atomic Energy Authority, Cairo (Egypt). Reactor Physics Dept.

2016-12-15

This paper presents a generic Loss of Flow Accident (LOFA) scenario module which is integrated in the LabView-based simulator to imitate a Nuclear Research Reactor (NRR) behavior for different user defined LOFA scenarios. It also provides analyses of a LOFA of a single fuel channel and its impact on operational transactions and on the behavior of the reactor. The generic LOFA scenario module includes graphs needed to clarify the effects of the LOFA under study. Furthermore, the percentage of the loss of mass flow rate, the mode of flow reduction and the start time and transient time of LOFA are user defined to add flexibility to the LOFA scenarios. The objective of integrating such generic LOFA module is to be able to deal with such incidents and avoid their significant effects. It is also useful in the development of expertise in this area and reducing the operator training and simulations costs. The results of the implemented generic LOFA module agree well with that of COBRA-IIIC code and the earlier guidebook for this series of transients.

Introduction: Recent advances in expertise research.

NARCIS (Netherlands)

Rikers, Remy; Paas, Fred

2007-01-01

During the 55th meeting of the American Educational Research Association (AERA, 2004) in San Diego, a symposium was organized on Recent Advances in Expertise Research. Most papers in this special issue of Applied Cognitive Psychology were presented in this symposium. The aim of this special issue is

76 FR 29992 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management

Science.gov (United States)

2011-05-24

... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management AGENCY: Farm Credit Administration. ACTION: Final rule. SUMMARY: The... (collectively loan) concentration risks. We expect this final rule will increase the safe and sound operation of...

Peer monitoring, social ties and moral hazard in group lending programmes : evidence from Eritrea

NARCIS (Netherlands)

Hermes, C.L.M.; Lensink, B.W.; Mehrteab, H.T.

2003-01-01

In this paper, we provide an empirical analysis of the impact of monitoring and social ties within group lending programs on moral hazard behavior of its participants, based on data from an extensive questionnaire held in Eritrea among participants of 102 groups. We find support for the fact that

Peer monitoring, social ties and moral hazard in group lending programs : Evidence from Eritrea

NARCIS (Netherlands)

Hermes, N; Lensink, R; Mehrteab, HT

In this paper, we investigate the impact of monitoring and social ties on moral hazard behavior within group lending programs. Our study is based on data from an extensive questionnaire held in Eritrea among participants of 102 groups. We separately analyze the impact of group leaders and other

Expertise and processing distorted structure in chess.

Science.gov (United States)

Bartlett, James C; Boggan, Amy L; Krawczyk, Daniel C

2013-01-01

A classic finding in research on human expertise and knowledge is that of enhanced memory for stimuli in a domain of expertise as compared to either stimuli outside that domain, or within-domain stimuli that have been degraded or distorted in some way. However, we do not understand how experts process degradation or distortion of stimuli within the expert domain (e.g., a face with the eyes, nose, and mouth in the wrong positions, or a chessboard with pieces placed randomly). Focusing on the domain of chess, we present new fMRI evidence that when experts view such distorted/within-domain stimuli, they engage an active search for structure-a kind of exploratory chunking-that involves a component of a prefrontal-parietal network linked to consciousness, attention and working memory.

The Telecom Lab is moving

CERN Multimedia

IT Department

2009-01-01

As of 2nd March 2009, the Telecom Lab will move to Building 58 R-017. The Telecom Lab is the central point for all support questions regarding CERN mobile phone services (provision of SIM cards, requests for modifications of subscriptions, diagnostics for mobile phone problems, etc.). The opening hours as well as the contact details for the Telecom Lab remain unchanged: New location: Building 58 R-017 Opening hours: Every week day, from 11 a.m. to 12 a.m. Phone number: 72480 Email address: labo.telecom@cern.ch This change has no impact on support requests for mobile services. Users can still submit their requests concerning mobile phone subscriptions using the usual EDH form (https://edh.cern.ch/Document/GSM). The automatic message sent to inform users of their SIM card availability will be updated to indicate the new Telecom Lab location. You can find all information related to CERN mobile phone services at the following link: http://cern.ch/gsm CS Section - IT/CS group

Developing a deeper understanding of mathematics teaching expertise : An examination of three Chinese mathematics teachers’ resource systems as windows into their work and expertise

OpenAIRE

Pepin , Birgit; Xu , Binyan; Trouche , Luc; Wang , Chongyang

2017-01-01

International audience; In order to develop a deeper understanding of mathematics teaching expertise, in this study we use the Documentational Approach to Didactics to explore the resource systems of three Chinese mathematics Bexpert^ teachers. Exploiting theWestern and Eastern literature we examine the notion of Bmathematics teaching expertise^, as it is perceived in the East and the West. The data consist of two rounds of in-depth interviews, observations and teachers’ representations of th...

Towards “Operating Within” the Field: Doctoral Students’ Views of Supervisors’ Discipline Expertise

Directory of Open Access Journals (Sweden)

Jan Gube

2017-01-01

Full Text Available Aim/Purpose: This paper considers the role of supervisors’ discipline expertise in doctoral learning from a student perspective. Background:\tDoctoral students need to develop expertise in a particular field of study. In this context, developing expertise requires doctoral students to master disciplinary knowledge, conventions and scholarship under the guidance of supervisors. Methodology\t: The study draws on a mixed-method approach, using an online survey and semi-structured interviews conducted with doctoral students. Contribution: The paper brings to the fore the role of supervisors’ discipline expertise on doctoral students’ research progress. Findings: The survey data suggest that doctoral students nominate their supervisors on the basis of their discipline expertise. They also view supervisors’ expertise as key to the development of ‘insider’ knowledge of their doctoral research. Recommendations for Practitioners: Supervisors play a pivotal role in helping doctoral students overcome intellectual barriers by imparting their discipline knowledge as well as balancing satisfactory doctoral completion rate and high quality student experience. Impact on Society\t: Doctoral supervision equips doctoral students with the right arsenal to be able to competently operate within their field and prepares them for their future research or professional career that demands a high level of discipline expertise. Future Research:\tThe scope of the findings leaves open a discussion about the experiences of doctoral students matched with non-discipline expert supervisory teams; for example, the extent of the mismatch and its ramifications.

Educational Expertise, Advocacy, and Media Influence

Science.gov (United States)

Malin, Joel R.; Lubienski, Christopher

2015-01-01

The efforts of many advocacy organizations to advance their preferred policies despite conflicting evidence of the effectiveness of these policies raise questions about factors that shape successful policy promotion. While many may like to think that expertise on an issue in question is an essential prerequisite for influence in public policy…

Psychological Factors Associated with Paranursing Expertise.

Science.gov (United States)

Brammer, Robert; Haller, Katherine

The psychological factors associated with paranursing expertise were examined in a study of 135 certified nursing assistants (CNAs) at a geriatric nursing facility in Amarillo, Texas. Data were collected through a project-developed screening tool called the Geriatric Employee Screening Tool (GEST), which is a true-false instrument patterned after…

Should the joint provision of credit insurance with unsecured lending be prohibited? An examination of the UK payment protection insurance market

OpenAIRE

John Ashton; Robert S. Hudson

2011-01-01

This study examines whether the recent UK regulatory decision to introduce a blanket ban on the joint provision of consumer lending and credit insurance was justified. This case has wide regulatory implications following international concerns that the sale of credit insurance has been detrimental to customers due to overpriced credit insurance and a possible cross subsidy from credit insurance to unsecured lending. To explore this issue a theoretical model is developed considering why a cros...

Towards a Manifesto for Living Lab Co-creation

Science.gov (United States)

Følstad, Asbjørn; Brandtzæg, Petter Bae; Gulliksen, Jan; Börjeson, Mikael; Näkki, Pirjo

There is a growing interest in Living Labs for innovation and development in the field of information and communication technology. In particular there seem to be a tendency that current Living Labs aim to involve users for co-creative purposes. However, the current literature on Living Lab co-creation is severely limited. Therefore an Interact workshop is arranged as a first step towards a manifesto for Living Lab co-creation.

A systematic review of the use of an expertise-based randomised controlled trial design.

Science.gov (United States)

Cook, Jonathan A; Elders, Andrew; Boachie, Charles; Bassinga, Ted; Fraser, Cynthia; Altman, Doug G; Boutron, Isabelle; Ramsay, Craig R; MacLennan, Graeme S

2015-05-30

Under a conventional two-arm randomised trial design, participants are allocated to an intervention and participating health professionals are expected to deliver both interventions. However, health professionals often have differing levels of expertise in a skill-based interventions such as surgery or psychotherapy. An expertise-based approach to trial design, where health professionals only deliver an intervention in which they have expertise, has been proposed as an alternative. The aim of this project was to systematically review the use of an expertise-based trial design in the medical literature. We carried out a comprehensive search of nine databases--AMED, BIOSIS, CENTRAL, CINAHL, Cochrane Methodology Register, EMBASE, MEDLINE, Science Citation Index, and PsycINFO--from 1966 to 2012 and performed citation searches using the ISI Citation Indexes and Scopus. Studies that used an expertise-based trial design were included. Two review authors independently screened the titles and abstracts and assessed full-text reports. Data were extracted and summarised on the study characteristics, general and expertise-specific study methodology, and conduct. In total, 7476 titles and abstracts were identified, leading to 43 included studies (54 articles). The vast majority (88%) used a pure expertise-based design; three (7%) adopted a hybrid design, and two (5%) used a design that was unclear. Most studies compared substantially different interventions (79%). In many cases, key information relating to the expertise-based design was absent; only 12 (28%) reported criteria for delivering both interventions. Most studies recruited the target sample size or very close to it (median of 101, interquartile range of 94 to 118), although the target was reported for only 40% of studies. The proportion of participants who received the allocated intervention was high (92%, interquartile range of 82 to 99%). While use of an expertise-based trial design is growing, it remains uncommon

How to attain expertise in clinical communication?

NARCIS (Netherlands)

Wouda, Jan C.; van de Wiel, Harry B. M.

2013-01-01

Several factors complicate the attainment of expertise in clinical communication. Medical curricula and postgraduate training insufficiently provide the required learning conditions of deliberate practice to overcome these obstacles. In this paper we provide recommendations for learning objectives

LabVIEW A Developer's Guide to Real World Integration

CERN Document Server

Fairweather, Ian

2011-01-01

LabVIEW(t) has become one of the preeminent platforms for the development of data acquisition and data analysis programs. LabVIEW(t): A Developer's Guide to Real World Integration explains how to integrate LabVIEW into real-life applications. Written by experienced LabVIEW developers and engineers, the book describes how LabVIEW has been pivotal in solving real-world challenges. Each chapter is self-contained and demonstrates the power and simplicity of LabVIEW in various applications, from image processing to solar tracking systems. Many of the chapters explore how exciting new technologies c

Bureaucratic power in note-writing: authoritative expertise within the state.

Science.gov (United States)

Mangset, Marte; Asdal, Kristin

2018-02-24

What produces the power of senior civil servants at ministries of finance, positioned at the top of the bureaucratic hierarchy? Max Weber has claimed that a hierarchical organization, meritocratic recruitment and procedural work provide bureaucracies with legitimacy. In particular he insisted on the role of Fachwissen (disciplinary knowledge) obtained through formal education. However, he also argued for the role of Dienstwissen, forms of knowledge and skills stemming from the experience of service in itself. Weber did not elaborate on this concept in detail, and few analysts of governmental expertise have examined this notion. We draw on the practice-turn in sociology, combining the study of governmental expertise with micro-sociological studies of administrative practices. By analysing interviews with 48 senior civil servants at the British, French and Norwegian ministries of finance about their daily practices, this article demonstrates that bureaucratic note-writing and the procedural evaluation of such notes constitute a key form of expertise that yields authority. The study provides an analytical framework for understanding what administrative expertise consists of, how it is integral to procedural work, the forms bureaucratic hierarchies take in practice and how these three dimensions provide authority. © London School of Economics and Political Science 2018.

Report from the banding lab

Science.gov (United States)

Tautin, J.

1995-01-01

Mr. Tautin reported on the seemingly everchanging structure of biological science units within the Interior Department. Current Congressional proposals would either change the name of the Bird Banding Lab's parent agency or make it part of the Geological Survey. The current Congress has not looked favorably on science budgets within the Interior Department, and the Banding Lab's budget is being squeezed ever tighter.

Diversity, Equity, & Inclusion at Berkeley Lab

Science.gov (United States)

Berkeley Lab A-Z Index Directory Search Diversity, Equity, & Inclusion at Berkeley Lab Home Diversity & Inclusion Council Women Scientists & Engineers Council Employee Resource Groups -and culture of inclusion are key to attracting and engaging the brightest minds and furthering our

Magnetic Media Lab

Data.gov (United States)

Federal Laboratory Consortium — This lab specializes in tape certification and performance characterization of high density digital tape and isprepared to support the certification of standard size...

Crystallization Formulation Lab

Data.gov (United States)

Federal Laboratory Consortium — The Crystallization Formulation Lab fills a critical need in the process development and optimization of current and new explosives and energetic formulations. The...

The Evolution and the Effects of Bank Lending and Arrears in Romania

Directory of Open Access Journals (Sweden)

Florina Oana VIRLANUTA

2014-08-01

Full Text Available During the early stages of the economic crisis that hit Romania, significant imbalances occurred in all industries. Its effects had a more dramatic impact in the banking system; especially concerning bank lending which was not only adversely affected by the crisis but it was the crisis itself. In this regard, we conducted an analysis of the credit system in Romania, the implications of non-performing loans on bank performance.

From lending to learning the development and extension of public libraries

CERN Document Server

O'Beirne, Rónán

2010-01-01

From Lending to Learning provides a theoretical overview and practical guide to the functional area of delivering learning services within public libraries. It traces the development of public library service delivery and critically appraises the inherent tension between offering an educational-focused or leisure-focused library. The current and future policy directions are explored against the backdrop of the emerging learning society. A general overview of recent developments in learning theory is followed by an insight into the learning landscape. The issues and practicalities of setting up

Computer-based Astronomy Labs for Non-science Majors

Science.gov (United States)

Smith, A. B. E.; Murray, S. D.; Ward, R. A.

1998-12-01

We describe and demonstrate two laboratory exercises, Kepler's Third Law and Stellar Structure, which are being developed for use in an astronomy laboratory class aimed at non-science majors. The labs run with Microsoft's Excel 98 (Macintosh) or Excel 97 (Windows). They can be run in a classroom setting or in an independent learning environment. The intent of the labs is twofold; first and foremost, students learn the subject matter through a series of informational frames. Next, students enhance their understanding by applying their knowledge in lab procedures, while also gaining familiarity with the use and power of a widely-used software package and scientific tool. No mathematical knowledge beyond basic algebra is required to complete the labs or to understand the computations in the spreadsheets, although the students are exposed to the concepts of numerical integration. The labs are contained in Excel workbook files. In the files are multiple spreadsheets, which contain either a frame with information on how to run the lab, material on the subject, or one or more procedures. Excel's VBA macro language is used to automate the labs. The macros are accessed through button interfaces positioned on the spreadsheets. This is done intentionally so that students can focus on learning the subject matter and the basic spreadsheet features without having to learn advanced Excel features all at once. Students open the file and progress through the informational frames to the procedures. After each procedure, student comments and data are automatically recorded in a preformatted Lab Report spreadsheet. Once all procedures have been completed, the student is prompted for a filename in which to save their Lab Report. The lab reports can then be printed or emailed to the instructor. The files will have full worksheet and workbook protection, and will have a "redo" feature at the end of the lab for students who want to repeat a procedure.

The Udall Lab

Data.gov (United States)

Federal Laboratory Consortium — The Udall lab is interested in genome evolution and cotton genomics.The cotton genus ( Gossypium) is an extraordinarily diverse group with approximately 50 species...

Laser Research Lab

Data.gov (United States)

Federal Laboratory Consortium — The Laser Research lab is thecenter for the development of new laser sources, nonlinear optical materials, frequency conversion processes and laser-based sensors for...

Expertise synthesis on the CSPE

International Nuclear Information System (INIS)

Blonde, G.; Poizat, F.

2008-01-01

This document presents a synthesis of the results of an expertise realized on the CSPE, the compensation tax of the electric public service. This tax concerns the management of the electricity production additional costs in isolated areas, the solidarity, a policy to favor the energy efficiency and the renewable energies. The document explains the historical aspects of the tax elaboration, its financial importance, the consequences and the impacts on the competition. (A.L.B.)

Musical expertise and the ability to imagine loudness.

Directory of Open Access Journals (Sweden)

Laura Bishop

Full Text Available Most perceived parameters of sound (e.g. pitch, duration, timbre can also be imagined in the absence of sound. These parameters are imagined more veridically by expert musicians than non-experts. Evidence for whether loudness is imagined, however, is conflicting. In music, the question of whether loudness is imagined is particularly relevant due to its role as a principal parameter of performance expression. This study addressed the hypothesis that the veridicality of imagined loudness improves with increasing musical expertise. Experts, novices and non-musicians imagined short passages of well-known classical music under two counterbalanced conditions: 1 while adjusting a slider to indicate imagined loudness of the music and 2 while tapping out the rhythm to indicate imagined timing. Subtests assessed music listening abilities and working memory span to determine whether these factors, also hypothesised to improve with increasing musical expertise, could account for imagery task performance. Similarity between each participant's imagined and listening loudness profiles and reference recording intensity profiles was assessed using time series analysis and dynamic time warping. The results suggest a widespread ability to imagine the loudness of familiar music. The veridicality of imagined loudness tended to be greatest for the expert musicians, supporting the predicted relationship between musical expertise and musical imagery ability.

Musical expertise and the ability to imagine loudness.

Science.gov (United States)

Bishop, Laura; Bailes, Freya; Dean, Roger T

2013-01-01

Most perceived parameters of sound (e.g. pitch, duration, timbre) can also be imagined in the absence of sound. These parameters are imagined more veridically by expert musicians than non-experts. Evidence for whether loudness is imagined, however, is conflicting. In music, the question of whether loudness is imagined is particularly relevant due to its role as a principal parameter of performance expression. This study addressed the hypothesis that the veridicality of imagined loudness improves with increasing musical expertise. Experts, novices and non-musicians imagined short passages of well-known classical music under two counterbalanced conditions: 1) while adjusting a slider to indicate imagined loudness of the music and 2) while tapping out the rhythm to indicate imagined timing. Subtests assessed music listening abilities and working memory span to determine whether these factors, also hypothesised to improve with increasing musical expertise, could account for imagery task performance. Similarity between each participant's imagined and listening loudness profiles and reference recording intensity profiles was assessed using time series analysis and dynamic time warping. The results suggest a widespread ability to imagine the loudness of familiar music. The veridicality of imagined loudness tended to be greatest for the expert musicians, supporting the predicted relationship between musical expertise and musical imagery ability.

Varying Use of Conceptual Metaphors across Levels of Expertise in Thermodynamics

Science.gov (United States)

Jeppsson, Fredrik; Haglund, Jesper; Amin, Tamer G.

2015-04-01

Many studies have previously focused on how people with different levels of expertise solve physics problems. In early work, focus was on characterising differences between experts and novices and a key finding was the central role that propositionally expressed principles and laws play in expert, but not novice, problem-solving. A more recent line of research has focused on characterising continuity between experts and novices at the level of non-propositional knowledge structures and processes such as image-schemas, imagistic simulation and analogical reasoning. This study contributes to an emerging literature addressing the coordination of both propositional and non-propositional knowledge structures and processes in the development of expertise. Specifically, in this paper, we compare problem-solving across two levels of expertise-undergraduate students of chemistry and Ph.D. students in physical chemistry-identifying differences in how conceptual metaphors (CMs) are used (or not) to coordinate propositional and non-propositional knowledge structures in the context of solving problems on entropy. It is hypothesised that the acquisition of expertise involves learning to coordinate the use of CMs to interpret propositional (linguistic and mathematical) knowledge and apply it to specific problem situations. Moreover, we suggest that with increasing expertise, the use of CMs involves a greater degree of subjective engagement with physical entities and processes. Implications for research on learning and instructional practice are discussed. Third contribution to special issue entitled: Conceptual metaphor and embodied cognition in science learning

LAB building a home for scientists

CERN Document Server

Fishman, Mark C

2017-01-01

Laboratories are both monasteries and space stations, redolent of the great ideas of generations past and of technologies to propel the future. Yet standard lab design has changed only little over recent years. Here Mark Fishman describes how to build labs as homes for scientists, to accommodate not just their fancy tools, but also their personalities. This richly illustrated book explores the roles of labs through history, from the alchemists of the Middle Ages to the chemists of the 19th and 20th centuries, and to the geneticists and structural biologists of today, and then turns to the special features of the laboratories Fishman helped to design in Cambridge, Shanghai, and Basel. Anyone who works in, or plans to build a lab, will enjoy this book, which will encourage them to think about how this special environment drives or impedes their important work.

Virtual labs in Leonardo da Vinci

Directory of Open Access Journals (Sweden)

Stanislaw Nagy

2006-10-01

Full Text Available This paper discusses the problem of virtual lab capabilities in the e-learning. Using combination of web conferencing and "virtual labs" capabilities, a new quality distance learning teaching is now in preparation and will be included in the course teaching to produce interactive, online simulations for the natural gas engineering studies. The activities are designed to enhance the existing curriculum and to include online assessments. A special care is devoted to the security problem between a server and a client computer. Several examples of the virtual labs related to the PVT thermodynamics, fluid flow, the natural gas well-testing, and thev gas network flow are prepared and tested. A major challenge for the 'CELGAS' system is in managing the delicate balance between the student collaboration and the isolation. Students may be encouraged to collaborate and work with each other, simulating their exploration of the lab material.

Drawing on a Sculpted Space of Actions : Educating for Expertise while Avoiding a Cognitive Monster

NARCIS (Netherlands)

Keestra, M.

Although expertise is usually considered as a positive outcome of education and practice in domains as varied as sports, science, music and politics, there are also concerns about negative effects of expertise. Since expertise is facilitated largely by implicit, automatic cognitive and brain

Lab-on-fiber technology

CERN Document Server

Cusano, Andrea; Crescitelli, Alessio; Ricciardi, Armando

2014-01-01

This book focuses on a research field that is rapidly emerging as one of the most promising ones for the global optics and photonics community: the "lab-on-fiber" technology. Inspired by the well-established 'lab on-a-chip' concept, this new technology essentially envisages novel and highly functionalized devices completely integrated into a single optical fiber for both communication and sensing applications.Based on the R&D experience of some of the world's leading authorities in the fields of optics, photonics, nanotechnology, and material science, this book provides a broad and accurate de

Evaluation of oral microbiology lab curriculum reform.

Science.gov (United States)

Nie, Min; Gao, Zhen Y; Wu, Xin Y; Jiang, Chen X; Du, Jia H

2015-12-07

According to the updated concept of oral microbiology, the School of Stomatology, Wuhan University, has carried out oral microbiology teaching reforms during the last 5 years. There was no lab curriculum before 2009 except for a theory course of oral microbiology. The school has implemented an innovative curriculum with oral medicine characteristics to strengthen understanding of knowledge, cultivate students' scientific interest and develop their potential, to cultivate the comprehensive ability of students. This study was designed to evaluate the oral microbiology lab curriculum by analyzing student performance and perceptions regarding the curriculum from 2009 to 2013. The lab curriculum adopted modalities for cooperative learning. Students collected dental plaque from each other and isolated the cariogenic bacteria with selective medium plates. Then they purified the enrichment culture medium and identified the cariogenic strains by Gram stain and biochemical tests. Both quantitative and qualitative data for 5 years were analysed in this study. Part One of the current study assessed student performance in the lab from 2009 to 2013. Part Two used qualitative means to assess students' perceptions by an open questionnaire. The 271 study students' grades on oral microbiology improved during the lab curriculum: "A" grades rose from 60.5 to 81.2 %, and "C" grades fell from 28.4 to 6.3 %. All students considered the lab curriculum to be interesting and helpful. Quantitative and qualitative data converge to suggest that the lab curriculum has strengthened students' grasp of important microbiology-related theory, cultivated their scientific interest, and developed their potential and comprehensive abilities. Our student performance and perception data support the continued use of the innovative teaching system. As an extension and complement of the theory course, the oral microbiology lab curriculum appears to improve the quality of oral medicine education and help to

Development, validation, and utility of an instrument to assess core competencies in the Leadership Education in Neurodevelopmental and Related Disabilities (LEND) program.

Science.gov (United States)

Leff, Stephen S; Baum, Katherine T; Bevans, Katherine B; Blum, Nathan J

2015-02-01

To describe the development and psychometric evaluation of the Core Competency Measure (CCM), an instrument designed to assess professional competencies as defined by the Maternal Child Health Bureau (MCHB) and targeted by Leadership Education in Neurodevelopmental and Related Disabilities (LEND) programs. The CCM is a 44-item self-report measure comprised of six subscales to assess clinical, interdisciplinary, family-centered/cultural, community, research, and advocacy/policy competencies. The CCM was developed in an iterative fashion through participatory action research, and then nine cohorts of LEND trainees (N = 144) from 14 different disciplines completed the CCM during the first week of the training program. A 6-factor confirmatory factor analysis model was fit to data from the 44 original items. After three items were removed, the model adequately fit the data (comparative fit indices = .93, root mean error of approximation = .06) with all factor loadings exceeding .55. The measure was determined to be quite reliable as adequate internal consistency and test-retest reliability were found for each subscale. The instrument's construct validity was supported by expected differences in self-rated competencies among fellows representing various disciplines, and the convergent validity was supported by the pattern of inter-correlations between subscale scores. The CCM appears to be a reliable and valid measure of MCHB core competencies for our sample of LEND trainees. It provides an assessment of key training areas addressed by the LEND program. Although the measure was developed within only one LEND Program, with additional research it has the potential to serve as a standardized tool to evaluate the strengths and limitations of MCHB training, both within and between programs.

Innovation - A view from the Lab

Science.gov (United States)

The USDA Ag Lab in Peoria helps bridge the gap between agricultural producers and commercial manufacturers. In 2015, the Ag Lab, officially known as the Agricultural Research Service (ARS) National Center for Agricultural Utilization Research (NCAUR), is celebrating 75 years of research in Peoria. T...

Context-specific effects of musical expertise on audiovisual integration

Science.gov (United States)

Bishop, Laura; Goebl, Werner

2014-01-01

Ensemble musicians exchange auditory and visual signals that can facilitate interpersonal synchronization. Musical expertise improves how precisely auditory and visual signals are perceptually integrated and increases sensitivity to asynchrony between them. Whether expertise improves sensitivity to audiovisual asynchrony in all instrumental contexts or only in those using sound-producing gestures that are within an observer's own motor repertoire is unclear. This study tested the hypothesis that musicians are more sensitive to audiovisual asynchrony in performances featuring their own instrument than in performances featuring other instruments. Short clips were extracted from audio-video recordings of clarinet, piano, and violin performances and presented to highly-skilled clarinetists, pianists, and violinists. Clips either maintained the audiovisual synchrony present in the original recording or were modified so that the video led or lagged behind the audio. Participants indicated whether the audio and video channels in each clip were synchronized. The range of asynchronies most often endorsed as synchronized was assessed as a measure of participants' sensitivities to audiovisual asynchrony. A positive relationship was observed between musical training and sensitivity, with data pooled across stimuli. While participants across expertise groups detected asynchronies most readily in piano stimuli and least readily in violin stimuli, pianists showed significantly better performance for piano stimuli than for either clarinet or violin. These findings suggest that, to an extent, the effects of expertise on audiovisual integration can be instrument-specific; however, the nature of the sound-producing gestures that are observed has a substantial effect on how readily asynchrony is detected as well. PMID:25324819

Environment monitoring using LabVIEW

International Nuclear Information System (INIS)

Hawtree, J.

1995-01-01

A system has been developed for electronically recording and monitoring temperature, humidity, and other environmental variables at the Silicon Detector Facility located in Lab D. The data is collected by LabVIEW software, which runs in the background on an Apple Macintosh. The software is completely portable between Macintosh, MS Windows, and Sun platforms. The hardware includes a Macintosh with 8 MB of RAM; an external ADC-1 analog-to-digital converter that uses a serial port; LabVIEW software; temperature sensors; humidity sensors; and other voltage/current sensing devices. ADC values are converted to ASCII strings and entered into files which are read over Ethernet. Advantages include automatic logging, automatic recovery after power interruptions, and the availability of stand-alone applications for other locations with inexpensive software and hardware

Peer-to-Peer Lending in Surabaya: How It Drives Regional Economy?

OpenAIRE

Mahardhika, Galih Satria

2017-01-01

Financial technology, or so called as “Fintech”, has been remarked as a disruptive idea that changed our current financial system. In Indonesia, one of the emerging financial practices related to Fintech is the online-based peer-to-peer lending (P2PL). This research has two objectives: to explore current scheme of P2PL in Surabaya and to learn how P2PL drives the economy of Surabaya. To meet the objectives, numbers of existing papers are being reviewed related to the matter of P2PL and Micro,...

Music and words in the visual cortex: The impact of musical expertise.

Science.gov (United States)

Mongelli, Valeria; Dehaene, Stanislas; Vinckier, Fabien; Peretz, Isabelle; Bartolomeo, Paolo; Cohen, Laurent

2017-01-01

How does the human visual system accommodate expertise for two simultaneously acquired symbolic systems? We used fMRI to compare activations induced in the visual cortex by musical notation, written words and other classes of objects, in professional musicians and in musically naïve controls. First, irrespective of expertise, selective activations for music were posterior and lateral to activations for words in the left occipitotemporal cortex. This indicates that symbols characterized by different visual features engage distinct cortical areas. Second, musical expertise increased the volume of activations for music and led to an anterolateral displacement of word-related activations. In musicians, there was also a dramatic increase of the brain-scale networks connected to the music-selective visual areas. Those findings reveal that acquiring a double visual expertise involves an expansion of category-selective areas, the development of novel long-distance functional connectivity, and possibly some competition between categories for the colonization of cortical space. Copyright © 2016 Elsevier Ltd. All rights reserved.

Relationship lending, hierarchical distance and credit tightening: Evidence from the financial crisis

OpenAIRE

M. Cotugno; S. Monferrà; G. Sampagnaro

2013-01-01

This paper examines the firms’ credit availability during the 2007–2009 financial crisis using a dataset of 5331 bank–firm relationships provided by borrowers’ credit folders of three Italian banks. It aims to test whether a strong lender–borrower relationship can produce less credit rationing for borrowing firms even during a credit crunch period. The results show that exclusivity of the relationship can mitigate the firm credit rationing. We also verify the influence of lending organization...

Experiential Learning of Digital Communication Using LabVIEW

Science.gov (United States)

Zhan, Wei; Porter, Jay R.; Morgan, Joseph A.

2014-01-01

This paper discusses the design and implementation of laboratories and course projects using LabVIEW in an instrumentation course. The pedagogical challenge is to enhance students' learning of digital communication using LabVIEW. LabVIEW was extensively used in the laboratory sessions, which better prepared students for the course projects. Two…

Identifying the mechanism : is there a bank lending channel of monetary transmission in the Netherlands?

NARCIS (Netherlands)

Kakes, J

The paper investigates the role of bank lending in the monetary transmission process in the Netherlands. The Johansen approach is used to identify supply and demand relationships in the credit market, and it is concluded from the short-run dynamics that this market is demand-determined. In this way,

Processes mediating expertise in air traffic control

NARCIS (Netherlands)

Van Meeuwen, Ludo; Jarodzka, Halszka; Brand-Gruwel, Saskia; Van Merriënboer, Jeroen; De Bock, Jeano; Kirschner, Paul A.

2011-01-01

Van Meeuwen, L. W., Jarodzka, H., Brand-Gruwel, S., Van Merriënboer, J. J. G., De Bock, J. J. P. R., & Kirschner, P. A. (2010, September). Processes mediating expertise in air traffic control. Poster presented at the European Association for Aviation Psychology Conference, Budapest.

Application of teleoperator expertise to robotics

International Nuclear Information System (INIS)

Grisham, D.L.; Lambert, J.E.

1985-01-01

This paper will briefly describe the evolution of Monitor remote handling system and its present capabilities and accomplishments. It will also suggest that the equipment and operational expertise can be applied to robotic systems in radioactive and other hostile environments. The Monitor methods of operation, tooling devised and employed, and the applications of these methods to robotic systems will be described

Baseball Physics: A New Mechanics Lab

Science.gov (United States)

Wagoner, Kasey; Flanagan, Daniel

2018-05-01

The game of baseball provides an interesting laboratory for experimenting with mechanical phenomena (there are many good examples in The Physics Teacher, available on Professor Alan Nathan's website, and discussed in Physics of Baseball & Softball). We have developed a lab, for an introductory-level physics course, that investigates many of these phenomena. The lab uses inexpensive, readily available equipment such as wooden baseball bats, baseballs, and actual Major League Baseball data. By the end of the lab, students have revisited many concepts they learned earlier in the semester and come away with an understanding of how to put seemingly disparate ideas together to analyze a fun sport.

A sociological analysis of ethical expertise: The case of bioethics

Directory of Open Access Journals (Sweden)

Nathan Emmerich

2016-12-01

Full Text Available This paper examines the question of ethical expertise and does so in the context of bioethics or, more accurately, applied ethics and the ethical governance of the life sciences. This analysis builds on a perspective set out in a previous paper and develops it further such that it relates to democratic processes. I argue that the academic practice of applied ethics exhibits a particular logic, way of thinking or eidos. Drawing on work in the history of science I present the logic of this practice as underpinned by a particular set of values or ethos. This can be contrasted with what Bernstein calls the democratic ethos as well as that of everyday moral agents. Using the framework of expertise developed by Collins and Evan’s—which differentiates between ubiquitous, contributory, and interactional expertise—I suggest that (bioethicists should modulate their expertise depending on the particular nature of the fora—academic, public, and policy-making—they are speaking in.

Anticipatory Governance: Bioethical Expertise for Human/Animal Chimeras

Science.gov (United States)

Harvey, Alison; Salter, Brian

2012-01-01

The governance demands generated by the use of human/animal chimeras in scientific research offer both a challenge and an opportunity for the development of new forms of anticipatory governance through the novel application of bioethical expertise. Anticipatory governance can be seen to have three stages of development whereby bioethical experts move from a reactive to a proactive stance at the edge of what is scientifically possible. In the process, the ethicists move upstream in their engagement with the science of human-to-animal chimeras. To what extent is the anticipatory coestablishment of the principles and operational rules of governance at this early stage in the development of the human-to-animal research field likely to result in a framework for bioethical decision making that is in support of science? The process of anticipatory governance is characterised by the entwining of the scientific and the philosophical so that judgements against science are also found to be philosophically unfounded, and conversely, those activities that are permissible are deemed so on both scientific and ethical grounds. Through what is presented as an organic process, the emerging bioethical framework for human-to-animal chimera research becomes a legitimating framework within which ‘good’ science can safely progress. Science gives bioethical expertise access to new governance territory; bioethical expertise gives science access to political acceptability. PMID:23576848

Assessing expertise in introductory physics using categorization task

Directory of Open Access Journals (Sweden)

Andrew Mason

2011-10-01

Full Text Available The ability to categorize problems based upon underlying principles, rather than surface features or contexts, is considered one of several proxy predictors of expertise in problem solving. With inspiration from the classic study by Chi, Feltovich, and Glaser, we assess the distribution of expertise among introductory physics students by asking three introductory physics classes, each with more than a hundred students, to categorize mechanics problems based upon similarity of solution. We compare their categorization with those of physics graduate students and faculty members. To evaluate the effect of problem context on students’ ability to categorize, two sets of problems were developed for categorization. Some problems in one set included those available from the prior study by Chi et al. We find a large overlap between calculus-based introductory students and graduate students with regard to their categorizations that were assessed as “good.” Our findings, which contrast with those of Chi et al., suggest that there is a wide distribution of expertise in mechanics among introductory and graduate students. Although the categorization task is conceptual, introductory students in the calculus-based course performed better than those in the algebra-based course. Qualitative trends in categorization of problems are similar between the non-Chi problems and problems available from the Chi study used in our study although the Chi problems used are more difficult on average.

Living Lab voor Informatiemanagement in Agri-Food

NARCIS (Netherlands)

Wolfert, J.

2010-01-01

Het Living Lab is een specifieke open innovatie aanpak waarbij in feite het laboratorium naar de praktijk wordt gebracht. het Agri-Food Living lab is een informatiemanagementsysteem specifiek voor de agri-food sector.

Expertise dissimilarity and creativity: the contingent roles of tacit and explicit knowledge sharing.

Science.gov (United States)

Huang, Xu; Hsieh, J J Po-An; He, Wei

2014-09-01

In this study, we investigated whether team-level knowledge sharing moderates the effects of individual-level expertise dissimilarity on individual employees' creativity in research and development (R&D) project teams. Expertise dissimilarity--defined as the difference in expertise and knowledge between a focal team member and her or his fellow team members--was operationalized in terms of the research department to which each member belonged. In Study 1, multilevel analyses of data collected from 200 members of 40 R&D project teams in a telecommunications company revealed that a team member with expertise dissimilar to that of her or his teammates was more likely to exhibit creativity when the project team as a whole engaged in higher levels of tacit, rather than explicit, knowledge sharing. In contrast, a member whose expertise was similar to that of her or his teammates was more likely to exhibit creative behavior when the team engaged in higher levels of explicit, rather than tacit, knowledge sharing. These findings were largely replicated in Study 2 using data collected from 82 members of 25 project teams from another telecommunications company. PsycINFO Database Record (c) 2014 APA, all rights reserved.

Hydrogel Beads: The New Slime Lab?

Science.gov (United States)

Brockway, Debra; Libera, Matthew; Welner, Heidi

2011-01-01

Creating slime fascinates students. Unfortunately, though intrigue is at its peak, the educational aspect of this activity is often minimal. This article describes a chemistry lab that closely relates to the slime lab and allows high school students to explore the concepts of chemical bonding, properties, and replacement reactions. It involves the…

Musical expertise and foreign speech perception.

Science.gov (United States)

Martínez-Montes, Eduardo; Hernández-Pérez, Heivet; Chobert, Julie; Morgado-Rodríguez, Lisbet; Suárez-Murias, Carlos; Valdés-Sosa, Pedro A; Besson, Mireille

2013-01-01

The aim of this experiment was to investigate the influence of musical expertise on the automatic perception of foreign syllables and harmonic sounds. Participants were Cuban students with high level of expertise in music or in visual arts and with the same level of general education and socio-economic background. We used a multi-feature Mismatch Negativity (MMN) design with sequences of either syllables in Mandarin Chinese or harmonic sounds, both comprising deviants in pitch contour, duration and Voice Onset Time (VOT) or equivalent that were either far from (Large deviants) or close to (Small deviants) the standard. For both Mandarin syllables and harmonic sounds, results were clear-cut in showing larger MMNs to pitch contour deviants in musicians than in visual artists. Results were less clear for duration and VOT deviants, possibly because of the specific characteristics of the stimuli. Results are interpreted as reflecting similar processing of pitch contour in speech and non-speech sounds. The implications of these results for understanding the influence of intense musical training from childhood to adulthood and of genetic predispositions for music on foreign language perception are discussed.

Musical expertise and foreign speech perception

Directory of Open Access Journals (Sweden)

Eduardo eMartínez-Montes

2013-11-01

Full Text Available The aim of this experiment was to investigate the influence of musical expertise on the automatic perception of foreign syllables and harmonic sounds. Participants were Cuban students with high level of expertise in music or in visual arts and with the same level of general education and socio-economic background. We used a multi-feature Mismatch Negativity (MMN design with sequences of either syllables in Mandarin Chinese or harmonic sounds, both comprising deviants in pitch contour, duration and Voice Onset Time (VOT or equivalent that were either far from (Large deviants or close to (Small deviants the standard. For both Mandarin syllables and harmonic sounds, results were clear-cut in showing larger MMNs to pitch contour deviants in musicians than in visual artists. Results were less clear for duration and VOT deviants, possibly because of the specific characteristics of the stimuli. Results are interpreted as reflecting similar processing of pitch contour in speech and non-speech sounds. The implications of these results for understanding the influence of intense musical training from childhood to adulthood and of genetic predispositions for music on foreign language perception is discussed.

GeoLab: A Geological Workstation for Future Missions

Science.gov (United States)

Evans, Cynthia; Calaway, Michael; Bell, Mary Sue; Li, Zheng; Tong, Shuo; Zhong, Ye; Dahiwala, Ravi

2014-01-01

The GeoLab glovebox was, until November 2012, fully integrated into NASA's Deep Space Habitat (DSH) Analog Testbed. The conceptual design for GeoLab came from several sources, including current research instruments (Microgravity Science Glovebox) used on the International Space Station, existing Astromaterials Curation Laboratory hardware and clean room procedures, and mission scenarios developed for earlier programs. GeoLab allowed NASA scientists to test science operations related to contained sample examination during simulated exploration missions. The team demonstrated science operations that enhance theThe GeoLab glovebox was, until November 2012, fully integrated into NASA's Deep Space Habitat (DSH) Analog Testbed. The conceptual design for GeoLab came from several sources, including current research instruments (Microgravity Science Glovebox) used on the International Space Station, existing Astromaterials Curation Laboratory hardware and clean room procedures, and mission scenarios developed for earlier programs. GeoLab allowed NASA scientists to test science operations related to contained sample examination during simulated exploration missions. The team demonstrated science operations that enhance the early scientific returns from future missions and ensure that the best samples are selected for Earth return. The facility was also designed to foster the development of instrument technology. Since 2009, when GeoLab design and construction began, the GeoLab team [a group of scientists from the Astromaterials Acquisition and Curation Office within the Astromaterials Research and Exploration Science (ARES) Directorate at JSC] has progressively developed and reconfigured the GeoLab hardware and software interfaces and developed test objectives, which were to 1) determine requirements and strategies for sample handling and prioritization for geological operations on other planetary surfaces, 2) assess the scientific contribution of selective in-situ sample

CERN Technical Training 2006: LabVIEW Course Sessions (September-December 2006)

CERN Multimedia

2006-01-01

The following LabVIEW course sessions are currently scheduled in the framework of the CERN Technical Training Programme 2006, and in collaboration with National Instruments (CH): LabVIEW Basics 1 (course in English): 11-13.9.2006 (3 days, only 3 places available) LabVIEW Basics 2 (course in English): 14-15.9.2006 (2 days) LabVIEW: Working efficiently with LabVIEW 8 (course in English): 18.9.2006 (1 day) **NEW COURSE** LabVIEW Application Development (course in English): 13-15.11.2006 (3 days. Pre-requisite: LabVIEW Basics I ans II, or equivalent experience) LabVIEW Advanced Programming (course in English): 16-17.11.2006 (2 days. Pre-requisite: LabVIEW Application Development, or equivalent experience) LabVIEW Base 1 (course in French): 4-6.12.2006 (3 days, only 1 place available) LabVIEW Base 2 (course in French): 7-8.12.2006 (2 days) If you are interested in attending any of the above course sessions, please discuss with your supervisor and/or your DTO, and apply electronically via EDH from the cour...

Shocks to Bank Lending, Risk-Taking, Securitization, and Their Role for U.S. Business Cycle Fluctuations

NARCIS (Netherlands)

Peersman, G.; Wagner, W.B.

2014-01-01

Abstract: Shocks to bank lending, risk-taking and securitization activities that are orthogonal to real economy and monetary policy innovations account for more than 30 percent of U.S. output variation. The dynamic effects, however, depend on the type of shock. Expansionary securitization shocks

Universities and the Public Recognition of Expertise

Science.gov (United States)

Arnoldi, Jakob

2007-01-01

This article argues that new sites of knowledge production, increasingly cultivated by the mass media, are threatening the role of academics and universities as traditional sources of expertise. Drawing upon the conceptual categories of Pierre Bourdieu, the article suggests an alternative way of understanding this "crisis of legitimacy."

Virtual Lab for Wireless Sensor Networks

Directory of Open Access Journals (Sweden)

PICOVICI, D.

2008-06-01

Full Text Available This article details an experimental system developed to enhance the education and research in the area of wireless networks technologies. The system referred, as Virtual Lab (VL is primarily targeting first time users or users with limited experience in programming and using wireless sensor networks. The VL enables a set of predefined sensor networks to be remotely accessible and controlled for constructive and time-efficient experimentation. In order to facilitate the user's wireless sensor applications, the VL is using three main components: a a Virtual Lab Motes (VLM, representing the wireless sensor, b a Virtual Lab Client (VLC, representing the user's tool to interact with the VLM and c a Virtual Lab Server (VLS representing the software link between the VLM and VLC. The concept has been proven using the moteiv produced Tmote Sky modules. Initial experimental use clearly demonstrates that the VL approach reduces dramatically the learning curve involved in programming and using the associated wireless sensor nodes. In addition the VL allows the user's focus to be directed towards the experiment and not towards the software programming challenges.

13 CFR 120.714 - How are grants made to non-lending technical assistance providers (NTAP)?

Science.gov (United States)

2010-01-01

... entity that is not an Intermediary may apply to SBA for a grant to provide marketing, management and... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false How are grants made to non-lending technical assistance providers (NTAP)? 120.714 Section 120.714 Business Credit and Assistance SMALL BUSINESS...

Magnetic Viscous Drag for Friction Labs

Science.gov (United States)

Gaffney, Chris; Catching, Adam

2016-01-01

The typical friction lab performed in introductory mechanics courses is usually not the favorite of either the student or the instructor. The measurements are not all that easy to make, and reproducibility is usually a troublesome issue. This paper describes the augmentation of such a friction lab with a study of the viscous drag on a magnet…

The mediatization of health expertise

DEFF Research Database (Denmark)

Christensen, Christa Lykke

2016-01-01

, the article is informed by ‘mediatization’ theory and demonstrates how television influences changes to the discursive construction of Health and health expertise in factual programming in this 20-year period. The analysis demonstrates how early factual programmes were dominated by information on illness......This article concerns the Danish public service broadcaster, Danmark Radio, and the programmes on health it produced from 1990 to 2010. It applies a historical perspective and, methodologically, the study is based on a qualitative content analysis of selected health programmes. Theoretically...

Meeting Report of the 33rd Annual Meeting of the Academy of Surgical Research: Summary of Presentations, Labs, and Workshops, Focusing on Experimental Surgery, Las Vegas, NV, October 4-6, 2017.

Science.gov (United States)

Graham, Melanie L; Ziegelhofer, Tracy; Ehrmann, Jon

2018-04-11

The 33rd Annual Meeting of the Academy of Surgical Research was held from October 4 to 6, 2017 in Las Vegas, Nevada. The meeting welcomed >160 participants from 27 different states and five countries representing the organization's diverse membership of technicians, veterinarians, medical doctors, and biomedical researchers. The Academy's annual meeting is focused on promoting the advancement of professional and academic standards, education, and research related to the art and science of experimental surgery. Presentations included four invited keynote speakers and 30 selected lectures and posters. A primary strength of the meeting was that lectures were complimented with practical sessions that included four wet lab and two dry lab half-day courses. Likewise, participants were brought together in workshops emphasizing research workflow from starting experimental design to readying results for publication. In this report, we present the highlights from this meeting and some selected abstracts that illustrate the diverse scientific expertise of the Academy and progress in surgical research.

Automatic creation of LabVIEW network shared variables

International Nuclear Information System (INIS)

Kluge, T.; Schroeder, H.

2012-01-01

We are in the process of preparing the LabVIEW controlled system components of our Solid State Direct Drive experiments for the integration into a Supervisory Control And Data Acquisition (SCADA) or distributed control system. The predetermined route to this is the generation of LabVIEW network shared variables that can easily be exported by LabVIEW to the SCADA system using OLE for Process Control (OPC) or other means. Many repetitive tasks are associated with the creation of the shared variables and the required code. We are introducing an efficient and inexpensive procedure that automatically creates shared variable libraries and sets default values for the shared variables. Furthermore, LabVIEW controls are created that are used for managing the connection to the shared variable inside the LabVIEW code operating on the shared variables. The procedure takes as input an XML spread-sheet defining the required input. The procedure utilizes XSLT and LabVIEW scripting. In a later state of the project the code generation can be expanded to also create code and configuration files that will become necessary in order to access the shared variables from the SCADA system of choice. (authors)

Microstructural characterization of LaB6-ZrB2 eutectic composites

International Nuclear Information System (INIS)

Wang Shengchang; Wei, W.J.; Zhang Litong

2003-01-01

Detail microstructure of LaB 6 -ZrB 2 composites has been characterized by TEM and HRTEM. The directionally solidified ZrB 2 fibers in LaB 6 matrix near LaB 6 -ZrB 2 eutectics present at least three growing relationship systems. In addition to previous report of [001]LaB 6 / [0001]ZrB 2 relationship, [0 anti 11]LaB 6 / [0001]ZrB 2 and [1 anti 20]LaB 6 / [0001]ZrB 2 . were identified. Different with [001]LaB 6 / [0001]ZrB 2 system, the interfaces of [0 anti 11]LaB 6 / [0001]ZrB 2 and [1 anti 20]LaB 6 / [0001]ZrB 2 . show non-coherent and clean interfaces. There is neither glassy phase nor reaction products found at the interfaces (orig.)

Processes mediating expertise in air traffic control

NARCIS (Netherlands)

Van Meeuwen, Ludo; Jarodzka, Halszka; Brand-Gruwel, Saskia; Van Merriënboer, Jeroen; De Bock, Jeano; Kirschner, Paul A.

2010-01-01

Van Meeuwen, L., Jarodzka, H., Brand-Gruwel, S., Van Merriënboer, J. J. G., De Bock, J. J. P. R., & Kirschner, P. A. (2010, August). Processes mediating expertise in air traffic control. Meeting of the EARLI SIG6/7 Instructional Design and Learning and Instruction with Computers, Ulm, Germany.

77 FR 39387 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management; Effective Date

Science.gov (United States)

2012-07-03

... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date. SUMMARY: The Farm Credit Administration (FCA or Agency), through the FCA Board (Board...

Flexible HVAC System for Lab or Classroom.

Science.gov (United States)

Friedan, Jonathan

2001-01-01

Discusses an effort to design a heating, ventilation, and air conditioning system flexible enough to accommodate an easy conversion of classrooms to laboratories and dry labs to wet labs. The design's energy efficiency and operations and maintenance are examined. (GR)

The Dynamics and Facilitation of a Living Lab Construct

DEFF Research Database (Denmark)

Brønnum, Louise; Nielsen, Louise Møller

2013-01-01

During the last decade Living Labs have established itself as an attractive innovation approach. Living Labs are an interesting construction because it offers a collaboration platform for dynamic interaction with users in all the project phases. Living Labs frame knowledge about actors in their o...

Institutionalized Ignorance as a Precondition for Rational Risk Expertise

DEFF Research Database (Denmark)

Merkelsen, Henrik

2011-01-01

the lowest organizational level, where concrete risks occur, to the highest organizational level, where the body of professional risk expertise is situated. The article emphasizes the role of knowledge, responsibility, loyalty, and trust as risk-attenuation factors and concludes by suggesting......The present case study seeks to explain the conditions for experts’ rational risk perception by analyzing the institutional contexts that constitute a field of food safety expertise in Denmark. The study highlights the role of risk reporting and how contextual factors affect risk reporting from...... that the preconditions for the expert's rationality may rather be a lack of risk-specific knowledge due to poor risk reporting than a superior level of risk knowledge....

Assessing Usage and Maximizing Finance Lab Impact: A Case Exploration

Science.gov (United States)

Noguera, Magdy; Budden, Michael Craig; Silva, Alberto

2011-01-01

This paper reports the results of a survey conducted to assess students' usage and perceptions of a finance lab. Finance labs differ from simple computer labs as they typically contain data boards, streaming market quotes, terminals and software that allow for real-time financial analyses. Despite the fact that such labs represent significant and…

Science Outside the Lab: Helping Graduate Students in Science and Engineering Understand the Complexities of Science Policy.

Science.gov (United States)

Bernstein, Michael J; Reifschneider, Kiera; Bennett, Ira; Wetmore, Jameson M

2017-06-01

Helping scientists and engineers challenge received assumptions about how science, engineering, and society relate is a critical cornerstone for macroethics education. Scientific and engineering research are frequently framed as first steps of a value-free linear model that inexorably leads to societal benefit. Social studies of science and assessments of scientific and engineering research speak to the need for a more critical approach to the noble intentions underlying these assumptions. "Science Outside the Lab" is a program designed to help early-career scientists and engineers understand the complexities of science and engineering policy. Assessment of the program entailed a pre-, post-, and 1 year follow up survey to gauge student perspectives on relationships between science and society, as well as a pre-post concept map exercise to elicit student conceptualizations of science policy. Students leave Science Outside the Lab with greater humility about the role of scientific expertise in science and engineering policy; greater skepticism toward linear notions of scientific advances benefiting society; a deeper, more nuanced understanding of the actors involved in shaping science policy; and a continued appreciation of the contributions of science and engineering to society. The study presents an efficacious program that helps scientists and engineers make inroads into macroethical debates, reframe the ways in which they think about values of science and engineering in society, and more thoughtfully engage with critical mediators of science and society relationships: policy makers and policy processes.

Cognitive and neuronal bases of expertise

OpenAIRE

Campitelli, Guillermo

2003-01-01

This thesis examines the cognitive and neural bases of expertise. In so doing, several psychological phenomena were investigated-imagery. memory and thinking-using different tasks, and a variety of techniques of data gathering, including standard behavioural experiments, questionnaires, eye-movement recording, and functional magnetic resonance imaging (fMRI). Chess players participated in all the studies, and chess tasks were used. The data confirmed the versatility and power of chess as ...

Innovative Educational Practice: Using Virtual Labs in the Secondary Classroom

Directory of Open Access Journals (Sweden)

Marcel Satsky Kerr, PhD

2004-07-01

Full Text Available Two studies investigated the effectiveness of teaching science labs online to secondary students. Study 1 compared achievement among students instructed using hands-on Chemistry labs versus those instructed using virtual Chemistry labs (eLabs. Study 2 compared the same groups of students again while both teachers instructed using hands-on Chemistry labs to determine whether teacher or student characteristics may have affected Study 1’s findings. Participants were high school Chemistry students from a Central Texas Independent School District. Results indicated that: students learn science effectively online, schools may experience cost savings from delivering labs online, and students gain valuable technology skills needed later in college and in the workplace.

Designing virtual science labs for the Islamic Academy of Delaware

Science.gov (United States)

AlZahrani, Nada Saeed

Science education is a basic part of the curriculum in modern day classrooms. Instructional approaches to science education can take many forms but hands-on application of theory via science laboratory activities for the learner is common. Not all schools have the resources to provide the laboratory environment necessary for hands-on application of science theory. Some settings rely on technology to provide a virtual laboratory experience instead. The Islamic Academy of Delaware (IAD), a typical community-based organization, was formed to support and meet the essential needs of the Muslim community of Delaware. IAD provides science education as part of the overall curriculum, but cannot provide laboratory activities as part of the science program. Virtual science labs may be a successful model for students at IAD. This study was conducted to investigate the potential of implementing virtual science labs at IAD and to develop an implementation plan for integrating the virtual labs. The literature has shown us that the lab experience is a valuable part of the science curriculum (NBPTS, 2013, Wolf, 2010, National Research Council, 1997 & 2012). The National Research Council (2012) stressed the inclusion of laboratory investigations in the science curriculum. The literature also supports the use of virtual labs as an effective substitute for classroom labs (Babateen, 2011; National Science Teachers Association, 2008). Pyatt and Simms (2011) found evidence that virtual labs were as good, if not better than physical lab experiences in some respects. Although not identical in experience to a live lab, the virtual lab has been shown to provide the student with an effective laboratory experience in situations where the live lab is not possible. The results of the IAD teacher interviews indicate that the teachers are well-prepared for, and supportive of, the implementation of virtual labs to improve the science education curriculum. The investigator believes that with the

On the Dynamics of Building Systems of Scientific Expertise: The Case of Ionizing Radiation

International Nuclear Information System (INIS)

Boudia, Soraya

2008-01-01

An examination of historical work shows that several systems of scientific expertise were shaped by public controversies. Taking the case of the health and environmental hazards of radioactivity as an example, this articles seeks to account for a twofold dynamic at work in building and/or reconfiguring systems of scientific expertise: expertise either as a resource to manage public mobilisation or as vector whereby some of the criticisms are incorporated into existing institutional systems by reconfiguring them or setting up new organisations

[Consistency and Reliability of MDK Expertise Examining the Encoding in the German DRG System].

Science.gov (United States)

Gaertner, T; Lehr, F; Blum, B; van Essen, J

2015-09-01

Hospital inpatient stays are reimbursed on the basis of German diagnosis-related groups (G-DRG). The G-DRG classification system is based on complex coding guidelines. The Medical Review Board of the Statutory Health Insurance Funds (MDK) examines the encoding by hospitals and delivers individual expertises on behalf of the German statutory health insurance companies in cases in which irregularities are suspected. A study was conducted on the inter-rater reliability of the MDK expertises regarding the scope of the assessment. A representative sample of 212 MDK expertises was taken from a selected pool of 1 392 MDK expertises in May 2013. This representative sample underwent a double-examination by 2 independent MDK experts using a special software based on the 3MTM G-DRG Grouper 2013 of 3M Medica, Germany. The following items encoded by the hospitals were examined: DRG, principal diagnosis, secondary diagnoses, procedures and additional payments. It was analysed whether the results of MDK expertises were consistent, reliable and correct. 202 expertises were eligible for evaluation, containing a total of 254 questions regarding one or more of the 5 items encoded by hospitals. The double-examination by 2 independent MDK experts showed matching results in 187 questions (73.6%) meaning they had been examined consistently and correctly. 59 questions (23.2%) did not show matching results, nevertheless they had been examined correctly regarding the scope of the assessment. None of the principal diagnoses was significantly affected by inconsistent or wrong judgment. A representative sample of MDK expertises examining the DRG encoding by hospitals showed a very high percentage of correct examination by the MDK experts. Identical MDK expertises cannot be achieved in all cases due to the scope of the assessment. Further improvement and simplification of codes and coding guidelines are required to reduce the scope of assessment with regard to correct DRG encoding and its

[The genesis, system, functions, and tendencies in the development of forensic expertise].

Science.gov (United States)

Rossinskaya, E R

The author considers the main landmarks in the formation and development of the science of forensic expertise and related activities. Special attention is given to the necessity of increasing knowledge and skills in judicial proceedings, further elaboration and perfection of the theory and practice of forensic expertise to meet the requirements put forward by the XXIth century. It is emphasized that this work is needed to lay the foundation for the creation of the self-consistent science - forensic expertology, based on the interdisciplinary general theory of forensic expertise. The author builds up the definition of the subject of forensic expertology taking into consideration the basic issues studied by this science. The scientific paradigm, its functions, tendencies and prospects for its further development are substantiated.

Using lab notebooks to examine students' engagement in modeling in an upper-division electronics lab course

Science.gov (United States)

Stanley, Jacob T.; Su, Weifeng; Lewandowski, H. J.

2017-12-01

We demonstrate how students' use of modeling can be examined and assessed using student notebooks collected from an upper-division electronics lab course. The use of models is a ubiquitous practice in undergraduate physics education, but the process of constructing, testing, and refining these models is much less common. We focus our attention on a lab course that has been transformed to engage students in this modeling process during lab activities. The design of the lab activities was guided by a framework that captures the different components of model-based reasoning, called the Modeling Framework for Experimental Physics. We demonstrate how this framework can be used to assess students' written work and to identify how students' model-based reasoning differed from activity to activity. Broadly speaking, we were able to identify the different steps of students' model-based reasoning and assess the completeness of their reasoning. Varying degrees of scaffolding present across the activities had an impact on how thoroughly students would engage in the full modeling process, with more scaffolded activities resulting in more thorough engagement with the process. Finally, we identified that the step in the process with which students had the most difficulty was the comparison between their interpreted data and their model prediction. Students did not use sufficiently sophisticated criteria in evaluating such comparisons, which had the effect of halting the modeling process. This may indicate that in order to engage students further in using model-based reasoning during lab activities, the instructor needs to provide further scaffolding for how students make these types of experimental comparisons. This is an important design consideration for other such courses attempting to incorporate modeling as a learning goal.

Cassandra - WP400 - final report of living lab 2

NARCIS (Netherlands)

Engler, M.; Klievink, A.J.

2014-01-01

This CASSANDRA LL2 final deliverable contains all information regarding the CASSANDRA Living Lab Europe – USA via Bremerhaven including information from two intermediate reports (CASSANDRA D4.21 and D4.22) about the very same Living Lab handed in during runtime of the Living Lab. CASSANDRA Living

Comunicación USB entre aplicaciones desarrolladas en LabVIEW y microcontroladores de Silicon Labs

Directory of Open Access Journals (Sweden)

Julio César Herrera Benítez

2013-06-01

Full Text Available El presente artículo trata sobre la utilización de LabVIEW para establecer comunicación USB con microcontroladores de la familia 8051 de Silicon Laboratories, utilizando un driver desarrollado por dicha compañía. En el documento se incluye una descripción de este driver, así como de las funciones principales que permiten el manejo del mismo, las cuales se encuentran en una biblioteca de enlace dinámico. El artículo contiene además una metodología básica para el uso de estas funciones y una explicación detallada a través de un ejemplo, donde se ilustra como cargar y configurar las mismas con el ambiente de desarrollo LabVIEW. Finalmente se muestran dos ejemplos de la utilización del driver a partir de una biblioteca de funciones USB creada en LabVIEW para la comunicación con un microcontrolador.

USNA DIGITAL FORENSICS LAB

Data.gov (United States)

Federal Laboratory Consortium — To enable Digital Forensics and Computer Security research and educational opportunities across majors and departments. Lab MissionEstablish and maintain a Digital...

Learning and Development Expertise: An Australian Analysis

Science.gov (United States)

Hodge, Steven; Harvey, Jack

2015-01-01

Learning and development (L&D) practitioners draw on a distinctive range of knowledge, skills and techniques in their work. Over the years, there have been attempts to capture this range and identify typical L&D roles. The research presented here was undertaken to identify characteristic areas of expertise (AOEs) of L&D practice in…

The unrivalled expertise for Pu recycling

International Nuclear Information System (INIS)

Fournier, W.; Pouilloux, M.

1997-01-01

Relying on the outstanding performances of the reprocessing facilities and the growing fabrication facilities, the in-reactor Pu recycling program in France and in other European countries is steadily implemented and has reached full-scale industrial operation. The RCR strategy -Reprocessing, Conditioning and Recycling- developed by COGEMA is now a well proven industrial reality. In 1997, plutonium recycling through MOX fuel is a mature industry, with successful operational experience and large-scale fabrication plants. In this field, COGEMA is the main actor, on operating simultaneously three complete multidesign fuel production plants: MELOX plant (in Marcoule), CADARACHE plant and DESSEL plant (in Belgium). Present MOX production capacity available to COGEMA fits 175 tHM per year and will be extended to reach about 325 tHM in the year 2000, that will represent 75% of the total MOX fabrication capacity in Europe. The industrial mastery and the high production level in MOX production assured by high technology processes confers COGEMA an unrivalled expertise for Pu recycling. This allows COGEMA to be a major actor in Pu-based fuels in the coming second nuclear era with advanced fuel cycles. The paper depicts the steps of the progressive advance of COGEMA to reach the Pu recycling expertise. (author)

How to attain expertise in clinical communication?

Science.gov (United States)

Wouda, Jan C; van de Wiel, Harry B M

2013-12-01

Several factors complicate the attainment of expertise in clinical communication. Medical curricula and postgraduate training insufficiently provide the required learning conditions of deliberate practice to overcome these obstacles. In this paper we provide recommendations for learning objectives and teaching methods for the attainment of professional expertise in patient education. Firstly, we propose to use functional learning objectives derived from the goals and strategies of clinical communication. Secondly, we recommend using teaching and assessment methods which: (1) contain stimulating learning tasks with opportunities for immediate feedback, reflection and corrections, and (2) give ample opportunity for repetition, gradual refinements and practice in challenging situations. Video-on-the-job fits these requirements and can be used to improve the competency in patient education of residents and medical staff in clinical practice. However, video-on-the-job can only be successful if the working environment supports the teaching and learning of communication and if medical staff which supervises the residents, is motivated to improve their own communication and didactic skills. Copyright © 2013 Elsevier Ltd. All rights reserved.

Fabrication and Prototyping Lab

Data.gov (United States)

Federal Laboratory Consortium — Purpose: The Fabrication and Prototyping Lab for composite structures provides a wide variety of fabrication capabilities critical to enabling hands-on research and...

"No level up!": no effects of video game specialization and expertise on cognitive performance.

Science.gov (United States)

Gobet, Fernand; Johnston, Stephen J; Ferrufino, Gabriella; Johnston, Matthew; Jones, Michael B; Molyneux, Antonia; Terzis, Argyrios; Weeden, Luke

2014-01-01

Previous research into the effects of action video gaming on cognition has suggested that long term exposure to this type of game might lead to an enhancement of cognitive skills that transfer to non-gaming cognitive tasks. However, these results have been controversial. The aim of the current study was to test the presence of positive cognitive transfer from action video games to two cognitive tasks. More specifically, this study investigated the effects that participants' expertise and genre specialization have on cognitive improvements in one task unrelated to video gaming (a flanker task) and one related task (change detection task with both control and genre-specific images). This study was unique in three ways. Firstly, it analyzed a continuum of expertise levels, which has yet to be investigated in research into the cognitive benefits of video gaming. Secondly, it explored genre-specific skill developments on these tasks by comparing Action and Strategy video game players (VGPs). Thirdly, it used a very tight experiment design, including the experimenter being blind to expertise level and genre specialization of the participant. Ninety-two university students aged between 18 and 30 (M = 21.25) were recruited through opportunistic sampling and were grouped by video game specialization and expertise level. While the results of the flanker task were consistent with previous research (i.e., effect of congruence), there was no effect of expertise, and the action gamers failed to outperform the strategy gamers. Additionally, contrary to expectation, there was no interaction between genre specialization and image type in the change detection task, again demonstrating no expertise effect. The lack of effects for game specialization and expertise goes against previous research on the positive effects of action video gaming on other cognitive tasks.

Digital Design with KP-Lab

Directory of Open Access Journals (Sweden)

D. Ponta

2007-08-01

Full Text Available KP-Lab is an EU Integrated Project envisioning a learning system that facilitates innovative practices of sharing, creating and working with knowledge in education and workplaces. The project exploits a novel pedagogical view, the knowledge-creation metaphor of learning. According to such “trialogical” approach, cognition arises through collaborative work in systematically developing shared “knowledge artefacts”, such as concepts, plans, material products, or social practices. The paper presents the plan of a pilot course to test the KP-Lab methodologies and tools in the field of Digital Design.

L’expertise psychiatrique au service de la gouvernance ? Psychiatric expertise in the service of governance? ¿La pericia psiquiátrica al servicio de la gobernanza?

Directory of Open Access Journals (Sweden)

Olivier Dembinski

2013-03-01

Full Text Available Cet article analyse le processus d’institutionnalisation d’une expertise gestionnaire en psychiatrie dans le cadre du nouveau management public. Portée par des acteurs intéressés à la faire fonctionner, cette expertise est le produit d’une hybridation entre connaissances gestionnaire et médicale. Elle participe aujourd’hui à la construction d’un appareil idéologique d’État dont l’objectif est d’obtenir la rationalisation de l’activité en psychiatrie.The article examines the process by means of which the New Public Management framework institutionalizes management expertise in the field of psychiatry. Conveyed by actors who have a stake in success, such expertise is the product of a hybridization between managerial and medical knowledge. Today it underpins the construction of an ideological state apparatus whose objective is to rationalize certain activities in psychiatry.En este artículo se analiza el proceso de institucionalización de una pericia de gestión en psiquiatría, en el marco del nuevo management público. Esgrimida por actores interesados en hacerla funcionar, dicha pericia es el producto de una hibridación de conocimientos de gestión y medicina. Actualmente contribuye a la construcción de un aparato ideológico de Estado que busca lograr una racionalización de la actividad psiquiátrica.

Modifying Cookbook Labs.

Science.gov (United States)

Clark, Robert, L.; Clough, Michael P.; Berg, Craig A.

2000-01-01

Modifies an extended lab activity from a cookbook approach for determining the percent mass of water in copper sulfate pentahydrate crystals to one which incorporates students' prior knowledge, engenders active mental struggling with prior knowledge and new experiences, and encourages metacognition. (Contains 12 references.) (ASK)

LabVIEW Library to EPICS Channel Access

CERN Document Server

Liyu, Andrei; Thompson, Dave H

2005-01-01

The Spallation Neutron Source (SNS) accelerator systems will deliver a 1.0 GeV, 1.4 MW proton beam to a liquid mercury target for neutron scattering research. The accelerator complex consists of a 1 GeV linear accelerator, an accumulator ring and associated transport lines. The SNS diagnostics platform is PC-based and will run Windows for its OS and LabVIEW as its programming language. Data acquisition hardware will be based on PCI cards. There will be about 300 rack-mounted computers. The Channel Access (CA) protocol of the Experimental Physics and Industrial Control System (EPICS) is the SNS control system communication standard. This paper describes the approaches, implementation, and features of LabVIEW library to CA for Windows, Linux, and Mac OS X. We also discuss how the library implements the asynchronous CA monitor routine using LabVIEW's occurrence mechanism instead of a callback function (which is not available in LabVIEW). The library is used to acquire accelerator data and applications have been ...

Clothing Systems Design Lab

Data.gov (United States)

Federal Laboratory Consortium — The Clothing Systems Design Lab houses facilities for the design and rapid prototyping of military protective apparel.Other focuses include: creation of patterns and...

Beauty premium: Event-related potentials evidence of how physical attractiveness matters in online peer-to-peer lending.

Science.gov (United States)

Jin, Jia; Fan, Bonai; Dai, Shenyi; Ma, Qingguo

2017-02-15

Although it is well known that attractiveness-based impressions affect the labor market, election outcomes and many other social activities, little is known about the role physical attractiveness plays in financial transactions. With the development of online finance, peer-to-peer lending has become one of the most important ways in which businesses or individuals raise capital. However, because of information asymmetry, the lender must decide whether or not to lend money to a stranger based on limited information, resulting in their decision being influenced by many other factors. In the current study, we investigated how potential borrowers' facial attractiveness influenced lenders' attitudes toward borrowers' repayment behavior at the brain level by using event-related potentials. At the priming stage, photos of attractive borrowers induced smaller N200 amplitude than photos of unattractive borrowers. Meanwhile, at the feedback stage, compared with the condition of repaying on time, breach of repayment from unattractive borrowers induced larger feedback-related negativity (FRN) amplitude, which was a frontal-central negative deflection and would be enhanced by the unexpected outcome. Furthermore, smaller P300 amplitude was also elicited by the condition of not repaying on time. These differences in the FRN and P300 amplitudes were not observed between negative and positive feedback from attractive borrowers. Therefore, our findings suggest that the beauty premium phenomenon is present in online peer-to-peer lending and that lenders were more tolerant toward attractive borrowers' dishonest behavior. Copyright © 2017 Elsevier B.V. All rights reserved.

Implementing Expertise-Based Training Methods to Accelerate the Development of Peer Academic Coaches

Science.gov (United States)

Blair, Lisa

2016-01-01

The field of expertise studies offers several models from which to develop training programs that accelerate the development of novice performers in a variety of domains. This research study implemented two methods of expertise-based training in a course to develop undergraduate peer academic coaches through a ten-week program. An existing…

LIDAR Research & Development Lab

Data.gov (United States)

Federal Laboratory Consortium — The LIDAR Research and Development labs are used to investigate and improve LIDAR components such as laser sources, optical signal detectors and optical filters. The...

German lab wins linear collider contest

CERN Multimedia

Cartlidge, Edwin

2004-01-01

Particle physicists have chosen to base the proposed International Linear Collider on superconducting technology developed by an international collaboration centred on the DESY lab in Germany. The superconducting approach was chosen by an internatinal panel ahead of a rival technology developed at Stanford in the US and the KEK lab in Japan. The eagerly-awaited decision was announced at the International Conference on High Energy Physics in Beijing today (½ page)

Fifteen years experience: Egyptian metabolic lab

Directory of Open Access Journals (Sweden)

Ekram M. Fateen

2014-10-01

Conclusion: This study illustrates the experience of the reference metabolic lab in Egypt over 15 years. The lab began metabolic disorder screening by using simple diagnostic techniques like thin layer chromatography and colored tests in urine which by time updated and upgraded the methods to diagnose a wide range of disorders. This study shows the most common diagnosed inherited inborn errors of metabolism among the Egyptian population.

S'Cool LAB Summer CAMP 2017

CERN Multimedia

Woithe, Julia

2017-01-01

The S’Cool LAB Summer CAMP is an opportunity for high-school students (aged 16-19) from all around the world to spend 2 weeks exploring the fascinating world of particle physics. The 24 selected participants spend their summer at S’Cool LAB, CERN’s hands-on particle physics learning laboratory, for an epic programme of lectures and tutorials, team research projects, visits of CERN’s research installations, and social activities.

Current Situation of Household Income as a Factor, Having Impact on Mortgage Lending in Mongolia

Directory of Open Access Journals (Sweden)

Khuselchimeg Batbileg

2012-04-01

Full Text Available Amount of household income is the most important factor for housing loan. The article studies mortgage lending in Ulaanbaatar in 2007–2009, the factor, having great impact on the current economy of Mongolia, carries out the comparative analysis of capital’s medium and low income households and presents methods, which will help to solve these problems.

CERN Technical Training 2006: LabVIEW Course Sessions (September-December 2006)

CERN Multimedia

2006-01-01

The following LabVIEW course sessions are currently scheduled in the framework of the CERN Technical Training Programme 2006, and in collaboration with National Instruments (CH): LabVIEW Basics 1 (course in English): 11-13.9.2006 (3 days, only 3 places available) (course in English): 14-15.9.2006 (2 days) LabVIEW: Working efficiently with LabVIEW 8 (course in English): 18.9.2006 (1 day) **NEW COURSE** LabVIEW Application Development (course in English): 13-15.11.2006 (3 days. Pre-requisite: LabVIEW Basics I ans II, or equivalent experience) LabVIEW Advanced Programming (course in English): 16-17.11.2006 (2 days. Pre-requisite: LabVIEW Application Development, or equivalent experience) LabVIEW Base 1 (course in French): 4-6.12.2006 (3 days, only 1 place available) LabVIEW Base 2 (course in French): 7-8.12.2006 (2 days) If you are interested in attending any of the above course sessions, please discuss with your supervisor and/or your DTO,...

Instructional Design for Accelerated Macrocognitive Expertise in the Baseball Workplace.

Science.gov (United States)

Fadde, Peter J

2016-01-01

The goal of accelerating expertise can leave researchers and trainers in human factors, naturalistic decision making, sport science, and expertise studies concerned about seemingly insufficient application of expert performance theories, findings and methods for training macrocognitive aspects of human performance. Video-occlusion methods perfected by sports expertise researchers have great instructional utility, in some cases offering an effective and inexpensive alternative to high-fidelity simulation. A key problem for instructional designers seems to be that expertise research done in laboratory and field settings doesn't get adequately translated into workplace training. Therefore, this article presents a framework for better linkage of expertise research/training across laboratory, field, and workplace settings. It also uses a case study to trace the development and implementation of a macrocognitive training program in the very challenging workplace of the baseball batters' box. This training, which was embedded for a full season in a college baseball team, targeted the perceptual-cognitive skill of pitch recognition that allows expert batters to circumvent limitations of human reaction time in order to hit a 90 mile-per-hour slider. While baseball batting has few analogous skills outside of sports, the instructional design principles of the training program developed to improve batting have wider applicability and implications. Its core operational principle, supported by information processing models but challenged by ecological models, decouples the perception-action link for targeted part-task training of the perception component, in much the same way that motor components routinely are isolated to leverage instructional efficiencies. After targeted perceptual training, perception and action were recoupled via transfer-appropriate tasks inspired by in situ research tasks. Using NCAA published statistics as performance measures, the cooperating team

Instructional Design for Accelerated Macrocognitive Expertise in the Baseball Workplace

Directory of Open Access Journals (Sweden)

Peter J. Fadde

2016-03-01

Full Text Available The goal of accelerating expertise can leave researchers and trainers in human factors, naturalistic decision making, sport science, and expertise studies concerned about seemingly insufficient application of expert performance theories, findings and methods for training macrocognitive aspects of human performance. Video-occlusion methods perfected by sports expertise researchers have great instructional utility, in some cases offering an effective and inexpensive alternative to high-fidelity simulation. A key problem for instructional designers seems to be that expertise research done in laboratory and field settings doesn’t get adequately translated into workplace training. Therefore, this article presents a framework for better linkage of expertise research/training across laboratory, field, and workplace settings. It also uses a case study to trace the development and implementation of a macrocognitive training program in the very challenging workplace of the baseball batters’ box. This training, which was embedded for a full season in a college baseball team, targeted the perceptual-cognitive skill of pitch recognition that allows expert batters to circumvent limitations of human reaction time in order to hit a 90 mile-per-hour slider. While baseball batting has few analogous skills outside of sports, the instructional design principles of the training program developed to improve batting have wider applicability and implications. Its core operational principle, supported by information processing models but challenged by ecological models, decouples the perception-action link for targeted part-task training of the perception component, in much the same way that motor components routinely are isolated to leverage instructional efficiencies. After targeted perceptual training, perception and action were recoupled via transfer-appropriate tasks inspired by in situ research tasks. Using NCAA published statistics as performance measures

Reference-based pricing: an evidence-based solution for lab services shopping.

Science.gov (United States)

Melton, L Doug; Bradley, Kent; Fu, Patricia Lin; Armata, Raegan; Parr, James B

2014-01-01

To determine the effect of reference-based pricing (RBP) on the percentage of lab services utilized by members that were at or below the reference price. Retrospective, quasi-experimental, matched, case-control pilot evaluation of an RBP benefit for lab services. The study group included employees of a multinational grocery chain covered by a national health insurance carrier and subject to RBP for lab services; it had access to an online lab shopping tool and was informed about the RBP benefit through employer communications. The reference group was covered by the same insurance carrier but not subject to RBP. The primary end point was lab compliance, defined as the percentage of lab claims with total charges at or below the reference price. Difference-in-difference regression estimation evaluated changes in lab compliance between the 2 groups. Higher compliance per lab claim was evident for the study group compared with the reference group (69% vs 57%; Ponline shopping tool was used by 7% of the matched-adjusted study group prior to obtaining lab services. Lab compliance was 76% for study group members using the online tool compared with 68% among nonusers who were subject to RBP (P<.01). RBP can promote cost-conscious selection of lab services. Access to facilities that offer services below the reference price and education about RBP improve compliance. Evaluation of the effect of RBP on higher-cost medical services, including radiology, outpatient specialty, and elective inpatient procedures, is needed.

The changing role of veterinary expertise in the food chain.

Science.gov (United States)

Enticott, Gareth; Donaldson, Andrew; Lowe, Philip; Power, Megan; Proctor, Amy; Wilkinson, Katy

2011-07-12

This paper analyses how the changing governance of animal health has impacted upon veterinary expertise and its role in providing public health benefits. It argues that the social sciences can play an important role in understanding the nature of these changes, but also that their ideas and methods are, in part, responsible for them. The paper begins by examining how veterinary expertise came to be crucial to the regulation of the food chain in the twentieth century. The relationship between the veterinary profession and the state proved mutually beneficial, allowing the state to address the problems of animal health, and the veterinary profession to become identified as central to public health and food supply. However, this relationship has been gradually eroded by the application of neoliberal management techniques to the governance of animal health. This paper traces the impact of these techniques that have caused widespread unease within and beyond the veterinary profession about the consequences for its role in maintaining the public good of animal health. In conclusion, this paper suggests that the development of the social sciences in relation to animal health could contribute more helpfully to further changes in veterinary expertise.

A Well-Maintained Lab Is a Safer Lab. Safety Spotlight

Science.gov (United States)

Walls, William H.; Strimel, Greg J.

2018-01-01

Administration and funding can cause Engineering/Technology Education (ETE) programs to thrive or die. To administrators, the production/prototyping equipment and laboratory setting are often viewed as the features that set ETE apart from other school subjects. A lab is a unique gift as well as a responsibility. If an administrator can see that…

The Effect of Domain and Technical Expertise on the Training Outcomes for Case Management Systems in High Domain Expertise Fields

Science.gov (United States)

Epstein, Steven L.

2017-01-01

The successful implementation of an enterprise system requires training and end users in the new systems and procedures. There has been no research reporting a relationship between Domain Expertise (DE) and the successful implementation of an enterprise system. This study sought to begin filling this knowledge gap by exploring the relationship…

MatLab Programming for Engineers Having No Formal Programming Knowledge

Science.gov (United States)

Shaykhian, Linda H.; Shaykhian, Gholam Ali

2007-01-01

MatLab is one of the most widely used very high level programming languages for Scientific and engineering computations. It is very user-friendly and needs practically no formal programming knowledge. Presented here are MatLab programming aspects and not just the MatLab commands for scientists and engineers who do not have formal programming training and also have no significant time to spare for learning programming to solve their real world problems. Specifically provided are programs for visualization. Also, stated are the current limitations of the MatLab, which possibly can be taken care of by Mathworks Inc. in a future version to make MatLab more versatile.

eComLab: remote laboratory platform

Science.gov (United States)

Pontual, Murillo; Melkonyan, Arsen; Gampe, Andreas; Huang, Grant; Akopian, David

2011-06-01

Hands-on experiments with electronic devices have been recognized as an important element in the field of engineering to help students get familiar with theoretical concepts and practical tasks. The continuing increase the student number, costly laboratory equipment, and laboratory maintenance slow down the physical lab efficiency. As information technology continues to evolve, the Internet has become a common media in modern education. Internetbased remote laboratory can solve a lot of restrictions, providing hands-on training as they can be flexible in time and the same equipment can be shared between different students. This article describes an on-going remote hands-on experimental radio modulation, network and mobile applications lab project "eComLab". Its main component is a remote laboratory infrastructure and server management system featuring various online media familiar with modern students, such as chat rooms and video streaming.

Technology Roadmap: Lab-on-a-Chip

OpenAIRE

Pattharaporn Suntharasaj; Tugrul U Daim

2010-01-01

With the integration of microfluidic and MEMS technologies, biochips such as the lab-on-a-chip (LOC) devices are at the brink of revolutionizing the medical disease diagnostics industries. Remarkable advancements in the biochips industry are making products resembling Star Trek.s "tricorder" and handheld medical scanners a reality. Soon, doctors can screen for cancer at the molecular level without costly and cumbersome equipments, and discuss treatment plans based on immediate lab results. Th...

Best Practice for Developmental Stuttering: Balancing Evidence and Expertise

Science.gov (United States)

Byrd, Courtney T.; Donaher, Joseph

2018-01-01

Purpose: Best practice for developmental stuttering remains a topic of debate. In the clinical forum following the introduction, four fluency experts balance the evidence and expertise to describe their approach to assessment and treatment.

Chasing expertise: reappraising the role of intuitive process in creative decisionmaking

OpenAIRE

Melrose, Susan

2015-01-01

What are some of the implications for the ways we think about contemporary dance-making, today, if we start from the premise that while art-making is a mode of work, expertise in that mode of work is rarely thematised in Dance writing - even though that expertise is widely celebrated in the world or worlds of dance and performance? \\ud I asked in the early days of the 21stC why terms like “performance mastery”, “virtuosity” and “disciplinary expertise” figured so rarely in performance and dan...

Organizational change and human expertise in nuclear power plants

International Nuclear Information System (INIS)

Masson, M.; Malaisc, N.

1992-01-01

Reliability and safety are two very important goals, which depend on technical and organizational factors, but also on human expertise. How to ensure a safe functioning of a nuclear power plant in a changing context, and what might be the role and aspects of training and transfer of knowledge? These are the questions we shall deal with in this paper, on the basis of two field studies. The two field studies stress the needs for setting up case based training, which best ensure the acquisition of know-how. Furthermore, as shown by the second one, gaining expertise involves developing large repertoires of highly skilled, semi-routinized activities. Supporting expert operators not only should tackle problem solving activities but should thus also include the prevention of routine errors, which go along with skill acquisition. (author)

LXI Technologies for Remote Labs: An Extension of the VISIR Project

OpenAIRE

Jaime Irurzun; Olga Dziabenko; Pablo Orduña; Diego Lopez-de-Ipiña; Ignacio Angulo; Javier García-Zubia; Unai Hernandez-Jayo

2010-01-01

Several remote labs to support analog circuits are presented in this work. They are analyzed from the software and the hardware point of view. VISIR remote lab is one of these labs. After this analysis, a new VISIR remote lab approach is presented. This extension of the VISIR project is based on LXI technologies with the aim of becoming it in a remote lab easily interchangeable with other instruments. The addition of new components and experiments is also easier and cheaper.

Reducing unnecessary lab testing in the ICU with artificial intelligence.

Science.gov (United States)

Cismondi, F; Celi, L A; Fialho, A S; Vieira, S M; Reti, S R; Sousa, J M C; Finkelstein, S N

2013-05-01

To reduce unnecessary lab testing by predicting when a proposed future lab test is likely to contribute information gain and thereby influence clinical management in patients with gastrointestinal bleeding. Recent studies have demonstrated that frequent laboratory testing does not necessarily relate to better outcomes. Data preprocessing, feature selection, and classification were performed and an artificial intelligence tool, fuzzy modeling, was used to identify lab tests that do not contribute an information gain. There were 11 input variables in total. Ten of these were derived from bedside monitor trends heart rate, oxygen saturation, respiratory rate, temperature, blood pressure, and urine collections, as well as infusion products and transfusions. The final input variable was a previous value from one of the eight lab tests being predicted: calcium, PTT, hematocrit, fibrinogen, lactate, platelets, INR and hemoglobin. The outcome for each test was a binary framework defining whether a test result contributed information gain or not. Predictive modeling was applied to recognize unnecessary lab tests in a real world ICU database extract comprising 746 patients with gastrointestinal bleeding. Classification accuracy of necessary and unnecessary lab tests of greater than 80% was achieved for all eight lab tests. Sensitivity and specificity were satisfactory for all the outcomes. An average reduction of 50% of the lab tests was obtained. This is an improvement from previously reported similar studies with average performance 37% by [1-3]. Reducing frequent lab testing and the potential clinical and financial implications are an important issue in intensive care. In this work we present an artificial intelligence method to predict the benefit of proposed future laboratory tests. Using ICU data from 746 patients with gastrointestinal bleeding, and eleven measurements, we demonstrate high accuracy in predicting the likely information to be gained from proposed future

Reducing unnecessary lab testing in the ICU with artificial intelligence

Science.gov (United States)

Cismondi, F.; Celi, L.A.; Fialho, A.S.; Vieira, S.M.; Reti, S.R.; Sousa, J.M.C.; Finkelstein, S.N.

2017-01-01

Objectives To reduce unnecessary lab testing by predicting when a proposed future lab test is likely to contribute information gain and thereby influence clinical management in patients with gastrointestinal bleeding. Recent studies have demonstrated that frequent laboratory testing does not necessarily relate to better outcomes. Design Data preprocessing, feature selection, and classification were performed and an artificial intelligence tool, fuzzy modeling, was used to identify lab tests that do not contribute an information gain. There were 11 input variables in total. Ten of these were derived from bedside monitor trends heart rate, oxygen saturation, respiratory rate, temperature, blood pressure, and urine collections, as well as infusion products and transfusions. The final input variable was a previous value from one of the eight lab tests being predicted: calcium, PTT, hematocrit, fibrinogen, lactate, platelets, INR and hemoglobin. The outcome for each test was a binary framework defining whether a test result contributed information gain or not. Patients Predictive modeling was applied to recognize unnecessary lab tests in a real world ICU database extract comprising 746 patients with gastrointestinal bleeding. Main results Classification accuracy of necessary and unnecessary lab tests of greater than 80% was achieved for all eight lab tests. Sensitivity and specificity were satisfactory for all the outcomes. An average reduction of 50% of the lab tests was obtained. This is an improvement from previously reported similar studies with average performance 37% by [1–3]. Conclusions Reducing frequent lab testing and the potential clinical and financial implications are an important issue in intensive care. In this work we present an artificial intelligence method to predict the benefit of proposed future laboratory tests. Using ICU data from 746 patients with gastrointestinal bleeding, and eleven measurements, we demonstrate high accuracy in predicting the

Developing expertise in gynecologic surgery: reflective perspectives of international experts on learning environments and processes

Directory of Open Access Journals (Sweden)

Hardre PL

2017-01-01

Full Text Available Patricia L Hardré,1 Mikio Nihira,2 Edgar L LeClaire3 1Department of Educational Psychology, University of Oklahoma College of Education, Norman, 2Department of Obstetrics and Gynecology, University of Oklahoma College of Medicine, Oklahoma City, OK, 3Department of Obstetrics and Gynecology, University of Kansas College of Medicine, Kansas City, KS, USA Abstract: Research in medical education does not provide a clear understanding of how professional expertise develops among surgeons and what experiential factors contribute to that development. To address this gap, the researchers interviewed 16 international experts in female pelvic medicine and reconstructive surgery to assess their reflective perceptions of what specific opportunities and experiences initiated and supported their development toward expertise in their field. Characteristics and influences explaining the speed and quality of expertise development were sorted into the following themes: the dynamic process of expertise development, internal and personal characteristics, general aptitudes and preparatory skills, role modeling and interpersonal influences, opportunities to learn and practice, and roles and reference points. Across the narratives and perspectives of these expert surgeons, both individual characteristics and choices, and contextual activities and opportunities were necessary and important. Experiences with greatest impact on quality of expertise development included those provided by the environment and mentors, as well as those sought out by learners themselves, to elaborate and supplement existing opportunities. The ideal combination across experts was interaction and integration of individual characteristics with experiential opportunities. Grounded in theory and research in expertise development, these findings can support improvement of medical education, both for individual mentors and strategic program development. As surgery evolves at a continuously

Expertise Effects in Face-Selective Areas are Robust to Clutter and Diverted Attention, but not to Competition.

Science.gov (United States)

McGugin, Rankin Williams; Van Gulick, Ana E; Tamber-Rosenau, Benjamin J; Ross, David A; Gauthier, Isabel

2015-09-01

Expertise effects for nonface objects in face-selective brain areas may reflect stable aspects of neuronal selectivity that determine how observers perceive objects. However, bottom-up (e.g., clutter from irrelevant objects) and top-down manipulations (e.g., attentional selection) can influence activity, affecting the link between category selectivity and individual performance. We test the prediction that individual differences expressed as neural expertise effects for cars in face-selective areas are sufficiently stable to survive clutter and manipulations of attention. Additionally, behavioral work and work using event related potentials suggest that expertise effects may not survive competition; we investigate this using functional magnetic resonance imaging. Subjects varying in expertise with cars made 1-back decisions about cars, faces, and objects in displays containing one or 2 objects, with only one category attended. Univariate analyses suggest car expertise effects are robust to clutter, dampened by reducing attention to cars, but nonetheless more robust to manipulations of attention than competition. While univariate expertise effects are severely abolished by competition between cars and faces, multivariate analyses reveal new information related to car expertise. These results demonstrate that signals in face-selective areas predict expertise effects for nonface objects in a variety of conditions, although individual differences may be expressed in different dependent measures depending on task and instructions. © The Author 2014. Published by Oxford University Press. All rights reserved. For Permissions, please e-mail: journals.permissions@oup.com.

Overview of RepLab 2012: Evaluating Online Reputation Management Systems

NARCIS (Netherlands)

Amigó, E.; Corujo, A.; Gonzalo, J.; Meij, E.; de Rijke, M.

2012-01-01

This paper summarizes the goals, organization and results of the first RepLab competitive evaluation campaign for Online Reputation Management Systems (RepLab 2012). RepLab focused on the reputation of companies, and asked participant systems to annotate different types of information on tweets

MICROSCOPE mission: drag-free and attitude control system expertise activities toward the scientific team

Science.gov (United States)

Delavault, Stéphanie; Prieur, Pascal; Liénart, Thomas; Robert, Alain; Guidotti, Pierre-Yves

2018-04-01

Microscope is a CNES-ESA-ONERA-CNRS-OCA-DLR-ZARM mission dedicated to the test of the Equivalence Principle with an improved accuracy of 10-15. The 300 kg drag-free microsatellite was launched on April 25th 2016 into a 710 km dawndusk sun-synchronous orbit for a 2-year mission. To comply with stringent requirements, the drag-free and attitude control system (DFACS) involves the scientific accelerometer as main sensor and a set of 8 cold gas proportional thrusters. Once in mission mode, within the CNES drag-free expertise center (CECT) the DFACS team provides several services to the system and to the scientific mission center: cold gas monitoring and management, `Attitude' ancillary data, DFACS expertise ancillary data. For this purpose, expertise tools have been implemented in the CECT, using the flexibility and efficiency of Matlab™ utilities. This paper presents the role of the CECT within the mission and details the expertise activities of the DFACS team illustrated with some typical in flight results.

A Step Forward: Investigating Expertise in Materials Evaluation

Science.gov (United States)

Johnson, Keith; Kim, Mija; Ya-Fang, Liu; Nava, Andrea; Perkins, Dawn; Smith, Anne Margaret; Soler-Canela, Oscar; Lu, Wang

2008-01-01

This article reports on a study investigating the textbook evaluation techniques of novice and experienced teachers, which was conducted by the Language Teaching Expertise Research Group (or LATEX) within Lancaster University's Department of Linguistics and English Language. Three ELT teachers were chosen to evaluate the student and teacher…

Expertise in the Age of Post-Factual politics

DEFF Research Database (Denmark)

Berling, Trine Villumsen; Bueger, Christian

2017-01-01

What has become known as post-factual politics poses particular challenges to the role of expertise, calling for a new type of reflexivity able to inform scholarly strategies towards policy. Taking recent literature on the ‘practice turn’ as our point of departure, we argue for introducing a sens...

Political Expertise and Affect: Effects on News Processing.

Science.gov (United States)

Hsu, Mei-Ling; Price, Vincent

1993-01-01

Investigates interactions between political expertise and affect in shaping cognitive strategies people employ in forming reactions to newspaper stories. Finds that, in processing the news articles, political experts produced a greater number of thoughts and a larger share of arguments than did novices. Observes no predicted main effects of…

LXI Technologies for Remote Labs: An Extension of the VISIR Project

Directory of Open Access Journals (Sweden)

Jaime Irurzun

2010-09-01

Full Text Available Several remote labs to support analog circuits are presented in this work. They are analyzed from the software and the hardware point of view. VISIR remote lab is one of these labs. After this analysis, a new VISIR remote lab approach is presented. This extension of the VISIR project is based on LXI technologies with the aim of becoming it in a remote lab easily interchangeable with other instruments. The addition of new components and experiments is also easier and cheaper.

The Politics of Financial Regulation Expertise

DEFF Research Database (Denmark)

Ban, Cornel; Seabrooke, Leonard; Freitas, Sarah

Who controls global policy debates on shadow banking regulation? By looking at the policy recommendations of the Bank of International Settlements, the International Monetary Fund and the Financial Stability Board, we show how experts tied to these institutions secured control over how shadow...... banking is treated. In so doing, these technocrats reinforced each other’s expertise and excluded some potential competitors (legal scholars), coopted others (select Fed and elite academic economists). The findings have important implications for studying the relationship between IOs technocrats...

Integrating Multiple On-line Knowledge Bases for Disease-Lab Test Relation Extraction.

Science.gov (United States)

Zhang, Yaoyun; Soysal, Ergin; Moon, Sungrim; Wang, Jingqi; Tao, Cui; Xu, Hua

2015-01-01

A computable knowledge base containing relations between diseases and lab tests would be a great resource for many biomedical informatics applications. This paper describes our initial step towards establishing a comprehensive knowledge base of disease and lab tests relations utilizing three public on-line resources. LabTestsOnline, MedlinePlus and Wikipedia are integrated to create a freely available, computable disease-lab test knowledgebase. Disease and lab test concepts are identified using MetaMap and relations between diseases and lab tests are determined based on source-specific rules. Experimental results demonstrate a high precision for relation extraction, with Wikipedia achieving the highest precision of 87%. Combining the three sources reached a recall of 51.40%, when compared with a subset of disease-lab test relations extracted from a reference book. Moreover, we found additional disease-lab test relations from on-line resources, indicating they are complementary to existing reference books for building a comprehensive disease and lab test relation knowledge base.

Professional Expertise in Magic – Reflecting on professional expertise in magic:An interview study

Directory of Open Access Journals (Sweden)

Olli eRissanen

2014-12-01

Full Text Available The purpose of the present investigation was to analyse interviews of highly regarded Finnish magicians. Social network analysis (N=120 was used to identify Finland’s most highly regarded magicians (N=16. The selected participants’ careers in professional magic and various aspects of their professional conduct were examined by relying on semi-structured interviews. The results revealed that cultivation of professional level competence in magic usually requires an extensive period of time compared with other domains of expertise. Magic is a unique performing art and it differs from other professions focusing on deceiving the audience. A distinctive feature of magical expertise is that the process takes place entirely through informal training supported by communities of magical practitioners. Three interrelated aspects of magical activity were distinguished: magic tricks, performance, and audience. Although magic tricks constitute a central aspect of magic activity, the participants did not talk about their tricks extensively; this is in accordance with the secretive nature of magic culture.The interviews revealed that a core aspect of the magicians’ activity is performance in front of an audience that repeatedly validates competence cultivated through years of practice. The interviewees reported investing a great deal of effort in planning, orchestrating, and reflecting on their performances. Close interaction with the audience plays an important role in most interviewees’ activity. Many participants put a great deal of effort in developing novel magic tricks. It is common to borrow magic effects from fellow magicians and develop novel methods of implementation. Because magic tricks or programs are not copyrighted, many interviewees considered stealing an unacceptable and unethical aspect of magical activity. The interviewees highlighted the importance of personality and charisma in the successful pursuit of magic activity.

The experiment editor: supporting inquiry-based learning with virtual labs

Science.gov (United States)

Galan, D.; Heradio, R.; de la Torre, L.; Dormido, S.; Esquembre, F.

2017-05-01

Inquiry-based learning is a pedagogical approach where students are motivated to pose their own questions when facing problems or scenarios. In physics learning, students are turned into scientists who carry out experiments, collect and analyze data, formulate and evaluate hypotheses, and so on. Lab experimentation is essential for inquiry-based learning, yet there is a drawback with traditional hands-on labs in the high costs associated with equipment, space, and maintenance staff. Virtual laboratories are helpful to reduce these costs. This paper enriches the virtual lab ecosystem by providing an integrated environment to automate experimentation tasks. In particular, our environment supports: (i) scripting and running experiments on virtual labs, and (ii) collecting and analyzing data from the experiments. The current implementation of our environment supports virtual labs created with the authoring tool Easy Java/Javascript Simulations. Since there are public repositories with hundreds of freely available labs created with this tool, the potential applicability to our environment is considerable.

Hydroscoop - Bulletin of the small-scale hydraulic laboratory MHyLab; Hydroscoop - Bulletin d'information MHyLab laboratoire de petite hydraulique

Energy Technology Data Exchange (ETDEWEB)

Denis, V.

2009-07-01

This is issue Nr. 5 of the news bulletin of MHyLab, the small-scale hydraulic laboratory in Montcherand, Switzerland. The history of MHyLab development is recalled. The objective of the laboratory is given: the laboratory development of efficient and reliable turbines for the entire small-scale hydraulic range (power: 10 to 2000 kW, flow rate: 0.01 to 10 m{sup 3}/s, hydraulic head: 1 m up to more than 700 m). The first period (1997-2001) was devoted to Pelton turbines for high heads (60 to 70 m) and the second (2001-2009) to Kaplan turbines for low and very low heads (1 to 30 m). In the third period (beginning 2008) diagonal turbines for medium heads (25 to 100 m) are being developed. MHyLab designed, modelled and tested all these different types. The small-scale hydraulic market developed unexpectedly quickly. The potential of small-scale hydraulics in the Canton of Vaud, western Switzerland is presented. Three implemented projects are reported on as examples for MHyLab activities on the market place. The MHyLab staff is presented.

A Case Study of a High School Fab Lab

Science.gov (United States)

Lacy, Jennifer E.

This dissertation examines making and design-based STEM education in a formal makerspace. It focuses on how the design and implementation of a Fab Lab learning environment and curriculum affect how instructors and students see themselves engaging in science, and how the Fab Lab relates to the social sorting practices that already take place at North High School. While there is research examining design-based STEM education in informal and formal learning environments, we know little about how K-12 teachers define STEM in making activities when no university or museum partnership exists. This study sought to help fill this gap in the research literature. This case study of a formal makerspace followed instructors and students in one introductory Fab Lab course for one semester. Additional observations of an introductory woodworking course helped build the case and set it into the school context, and provided supplementary material to better understand the similarities and differences between the Fab Lab course and a more traditional design-based learning course. Using evidence from observational field notes, participant interviews, course materials, and student work, I found that the North Fab Lab relies on artifacts and rhetoric symbolic of science and STEM to set itself apart from other design-based courses at North High School. Secondly, the North Fab Lab instructors and students were unable to explain how what they were doing in the Fab Lab was science, and instead relied on vague and unsupported claims related to interdisciplinary STEM practices and dated descriptions of science. Lastly, the design and implementation of the Fab Lab learning environment and curriculum and its separation from North High School's low tech, design-based courses effectively reinforced social sorting practices and cultural assumptions about student work and intelligence.

Conditions for Intuitive Expertise: A Failure to Disagree

Science.gov (United States)

Kahneman, Daniel; Klein, Gary

2009-01-01

This article reports on an effort to explore the differences between two approaches to intuition and expertise that are often viewed as conflicting: heuristics and biases (HB) and naturalistic decision making (NDM). Starting from the obvious fact that professional intuition is sometimes marvelous and sometimes flawed, the authors attempt to map…

Application of LabVIEW on Ionization Chamber to Measurement Radiation

International Nuclear Information System (INIS)

Kerdchockchai, P.; Soodprasert, T.; Hoonnivathana, E.; Naemchnthara, P.; Limsuwan, P.; Naemchanthara, K.

2014-01-01

The purpose of this research was to apply LabVIEW program to control an ionization chamber. LabVIEW was used to compose a block diagram and front panel. The block diagram was programmed to be controlled by the front panel. Radiation dose of Cs -137 at 1.00, 1.50, 2.00, 2.50, 3.00 and 4.00 meter were compared from LabViEW and manual system. The results show that the different percentages of Pb filter of thickness 0, 20 and 39 mm are 0.68, 0.68 and 0.48, respectively. This experiment results indicated that the LabVIEW can be used in assisting radiation measurement. Furthermore, by controlling the ionization chamber by LabVIEW, the radiation dose received by operator is reduced.

A Low-Cost Remote Lab for Internet Services Distance Education

Directory of Open Access Journals (Sweden)

James Sissom

2006-08-01

Full Text Available Academic departments seeking to reach students via distance education course offerings find that some on-line curricula require a traditional hands-on lab model for student evaluation and assessment. The authors solve the problem of providing distance education curriculum and supporting instruction lab components by using a low-cost remote lab. The remote lab is used to evaluate student performance in managing web services and website development, solving security problems, patch management, scripting and web server management. In addition, the authors discuss assessment and evaluation techniques that will be used to determine instructional quality and student performance. Discussed are the remote lab architecture, use of disk images and utilization of Windows 2003 Internet Information Service, and Linux Red Hat 9.0 platforms.

What Drives Bank Lending in Domestic and Foreign Currency Loans in a Small Open Transition Economy with Fixed Exchange Rate? The Case of Macedonia

OpenAIRE

Jane Bogoev

2011-01-01

This paper investigates two different bank loan supply functions and their determinants according to the currency of bank loans in the Republic of Macedonia. There is robust statistical evidence in favour of the existence of a bank lending channel through foreign currency loans and the foreign reference interest rate. This suggests that the impact of domestic monetary policy over the bank lending channel is limited. The most significant bank-specific characteristic for the foreign currency lo...

Clinical Ethics Consultants are not “Ethics” Experts—But They do Have Expertise 1

Science.gov (United States)

Rasmussen, Lisa M.

2016-01-01

The attempt to critique the profession of clinical ethics consultation by establishing the impossibility of ethics expertise has been a red herring. Decisions made in clinical ethics cases are almost never based purely on moral judgments. Instead, they are all-things-considered judgments that involve determining how to balance other values as well. A standard of justified decision-making in this context would enable us to identify experts who could achieve these standards more often than others, and thus provide a basis for expertise in clinical ethics consultation. This expertise relies in part on what Richard Zaner calls the “expert knowledge of ethical phenomena” (1988, 8). PMID:27302970

The History of Science and Technology at Bell Labs

Science.gov (United States)

Bishop, David

2008-03-01

Over the last 80 years, Bell Labs has been one of the most scientifically and technologically productive research labs in the world. Inventions such as the transistor, laser, cell phone, solar cell, negative feedback amplifier, communications satellite and many others were made there. Scientific breakthroughs such as discovery of the Big Bang, the wave nature of the electron, electron localization and the fractional quantum hall effect were also made there making Bell Labs almost unique in terms of large impacts in both science and technology. In my talk, I will discuss the history of the lab, talk about the present and give some suggestions for how I see it evolving into the future.

Time Trials--An AP Physics Challenge Lab

Science.gov (United States)

Jones, David

2009-01-01

I have come to the conclusion that for high school physics classroom and laboratory experiences, simpler is better! In this paper I describe a very simple and effective lab experience that my AP students have thoroughly enjoyed year after year. I call this lab exercise "Time Trials." The experiment is simple in design and it is a lot of fun for…

Social dimensions of expertise in World of Warcraft players

Directory of Open Access Journals (Sweden)

Mark Chen

2009-03-01

Full Text Available Expertise development in the massively multiplayer online game World of Warcraft (Blizzard Entertainment, 2004 depends greatly on a player's use of social skills to gain access to expert player groups and accrue social and cultural capital. Drawn from ethnographic research, this paper maps out various forms of expert practice and highlights the social aspects of game play that often eclipse the importance of game-mechanics knowledge. At the time of this research, playing World of Warcraft and developing expertise in the game happened roughly within a two-stage process: (1 leveling up, or advancing one's character or avatar while learning the mechanics of the game, and (2 drawing on social capital gained during the first stage to join a group of up to 40 players to partake in high-end or endgame content.

How student models of expertise and innovation impact the development of adaptive expertise in medicine.

Science.gov (United States)

Mylopoulos, Maria; Regehr, Glenn

2009-02-01

The ability to innovate new solutions in response to daily workplace challenges is an important component of adaptive expertise. Exploring how to optimally develop this skill is therefore of paramount importance to education researchers. This is certainly no less true in health care, where optimal patient care is contingent on the continuous efforts of doctors and other health care workers to provide the best care to their patients through the development and incorporation of new knowledge. Medical education programmes must therefore foster the skills and attitudes necessary to engage future doctors in the systematic development of innovative problem solving. The aim of this paper is to describe the perceptions and experiences of medical students in their third and fourth years of training, and to explore their understanding of their development as adaptive experts. A sample of 25 medical students participated in individual 45-60-minute semi-structured interviews. Interviews were audiotaped, transcribed and entered into NVivo qualitative data analysis software to facilitate a thematic analysis. The analysis was both inductive, in that themes were generated from the data, and deductive, in that our data were meaningful when interpreted in the context of theories of adaptive expertise. Participants expressed a general belief that, as learners in the health care system, exerting any effort to be innovative was beyond the scope of their responsibilities. Generally, students suggested that innovative practice was the prerogative of experts and an outcome of expert development centred on the acquisition of knowledge and experience. Students' perceptions of themselves as having no responsibility to be innovative in their learning process have implications for their learning trajectories as adaptive experts.

Neural basis of nonanalytical reasoning expertise during clinical evaluation

NARCIS (Netherlands)

Durning, S.J.; Costanzo, M.E.; Artino, A.R.; Graner, J.; Vleuten, C.P.M. van der; Beckman, T.J.; Wittich, C.M.; Roy, M.J.H.M. van; Holmboe, E.S.; Schuwirth, L.

2015-01-01

INTRODUCTION: Understanding clinical reasoning is essential for patient care and medical education. Dual-processing theory suggests that nonanalytic reasoning is an essential aspect of expertise; however, assessing nonanalytic reasoning is challenging because it is believed to occur on the

European labs brace for German cuts: international collaboration

CERN Multimedia

Clery, D

1996-01-01

Germany, the largest contributor to international European research labs, announced plans to reduce its contributions an average of 8% in the nation's latest budget. CERN and other labs are worried that the cuts will endanger ongoing projects and that other countries may follow Germany's lead.