WorldWideScience

Sample records for lend independent support

  1. 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.

  2. Knowledge Aid as Instrument of Regulation: World Bank's Non-Lending Higher Education Support for Ethiopia

    Science.gov (United States)

    Molla, Tebeje

    2014-01-01

    In the context of low-income countries, the role of donors in public policymaking is of great importance. Donors use a combination of lending and non-lending instruments as pathways of influence to shape policy directions in aid-recipient countries. This paper reports some findings from a doctoral study on the role of the World Bank in the recent…

  3. Otolith shape lends support to the sensory drive hypothesis in rockfishes.

    Science.gov (United States)

    Tuset, V M; Otero-Ferrer, J L; Gómez-Zurita, J; Venerus, L A; Stransky, C; Imondi, R; Orlov, A M; Ye, Z; Santschi, L; Afanasiev, P K; Zhuang, L; Farré, M; Love, M S; Lombarte, A

    2016-10-01

    The sensory drive hypothesis proposes that environmental factors affect both signalling dynamics and the evolution of signals and receivers. Sound detection and equilibrium in marine fishes are senses dependent on the sagittae otoliths, whose morphological variability appears intrinsically linked to the environment. The aim of this study was to understand if and which environmental factors could be conditioning the evolution of this sensory structure, therefore lending support to the sensory drive hypothesis. Thus, we analysed the otolith shape of 42 rockfish species (Sebastes spp.) to test the potential associations with the phylogeny, biological (age), ecological (feeding habit and depth distribution) and biogeographical factors. The results showed strong differences in the otolith shapes of some species, noticeably influenced by ecological and biogeographical factors. Moreover, otolith shape was clearly conditioned by phylogeny, but with a strong environmental effect, cautioning about the use of this structure for the systematics of rockfishes or other marine fishes. However, our most relevant finding is that the data supported the sensory drive hypothesis as a force promoting the radiation of the genus Sebastes. This hypothesis holds that adaptive divergence in communication has significant influence relative to other life history traits. It has already been established in Sebastes for visual characters and organs; our results showed that it applies to otolith transformations as well (despite the clear influence of feeding and depth), expanding the scope of the hypothesis to other sensory structures. © 2016 European Society For Evolutionary Biology. Journal of Evolutionary Biology © 2016 European Society For Evolutionary Biology.

  4. 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.

  5. 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.

  6. Payday lending regulation

    OpenAIRE

    Alex Kaufman

    2013-01-01

    To date the debate over payday lending has focused on whether access to such lending is on net beneficial or harmful to consumer welfare. However, payday loans are not one product but many, and different forms of lending may have different welfare implications. The current diversity in payday lending stems from the diverse ways in which states have regulated the industry. This paper attempts to quantify the effects that various regulatory approaches have had on lending terms and usage. Using ...

  7. Recurring genomic breaks in independent lineages support genomic fragility

    Directory of Open Access Journals (Sweden)

    Hannenhalli Sridhar

    2006-11-01

    Full Text Available Abstract Background Recent findings indicate that evolutionary breaks in the genome are not randomly distributed, and that certain regions, so-called fragile regions, are predisposed to breakages. Previous approaches to the study of genomic fragility have examined the distribution of breaks, as well as the coincidence of breaks with segmental duplications and repeats, within a single species. In contrast, we investigate whether this regional fragility is an inherent genomic characteristic and is thus conserved over multiple independent lineages. Results We do this by quantifying the extent to which certain genomic regions are disrupted repeatedly in independent lineages. Our investigation, based on Human, Chimp, Mouse, Rat, Dog and Chicken, suggests that the propensity of a chromosomal region to break is significantly correlated among independent lineages, even when covariates are considered. Furthermore, the fragile regions are enriched for segmental duplications. Conclusion Based on a novel methodology, our work provides additional support for the existence of fragile regions.

  8. Coworking Spaces: A Source of Social Support for Independent Professionals.

    Science.gov (United States)

    Gerdenitsch, Cornelia; Scheel, Tabea E; Andorfer, Julia; Korunka, Christian

    2016-01-01

    Coworking spaces are shared office environments for independent professionals. Such spaces have been increasing rapidly throughout the world, and provide, in addition to basic business infrastructure, the opportunity for social interaction. This article explores social interaction in coworking spaces and reports the results of two studies. Study 1 (N = 69 coworkers) finds that social interaction in coworking spaces can take the form of social support. Study 2 further investigates social support among coworkers (N = 154 coworkers) and contrasts these results with those of social support among colleagues in traditional work organizations (N = 609). A moderated mediation model using time pressure and self-efficacy, based on the conservation of resources theory, is tested. Social support from both sources was positively related to performance satisfaction. Self-efficacy mediated this relationship in the employee sample, while in the coworking sample, self-efficacy only mediated the relationship between social support and performance satisfaction if time pressure was high. Thus, a mobilization of social support seems necessary in coworking spaces. We conclude that coworking spaces, as modern social work environments, should align flexible work infrastructure with well-constructed opportunities for social support.

  9. Coworking Spaces: A Source of Social Support for Independent Professionals

    Directory of Open Access Journals (Sweden)

    Cornelia eGerdenitsch

    2016-04-01

    Full Text Available Coworking spaces are shared office environments for independent professionals. Such spaces have been increasing rapidly throughout the world, and provide, in addition to basic business infrastructure, the opportunity for social interaction. This article explores social interaction in coworking spaces and reports the results of two studies. Study 1 (N = 69 coworkers finds that social interaction in coworking spaces can take the form of social support. Study 2 further investigates social support among coworkers (N = 154 coworkers and contrasts these results with those of social support among colleagues in traditional work organizations (N = 609. A moderated mediation model using time pressure and self-efficacy, based on the conservation of resources theory, is tested. Social support from both sources was positively related to performance satisfaction. Self-efficacy mediated this relationship in the employee sample, while in the coworking sample, self-efficacy only mediated the relationship between social support and performance satisfaction if time pressure was high. Thus, a mobilization of social support seems necessary in coworking spaces. We conclude that coworking spaces, as modern social work environments, should align flexible work infrastructure with well-constructed opportunities for social support.

  10. 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…

  11. 77 FR 76841 - Lending Limits

    Science.gov (United States)

    2012-12-31

    ... DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency 12 CFR Part 32 [Docket ID OCC-2012-0007] RIN 1557-AD59 Lending Limits AGENCY: Office of the Comptroller of the Currency, Treasury. ACTION: Final rule. SUMMARY: The Office of the Comptroller of the Currency (OCC) is amending its lending...

  12. 78 FR 37930 - Lending Limits

    Science.gov (United States)

    2013-06-25

    ... efforts, and the current lending limits rule recognizes the beneficial effects of netting or collateral in... transaction at issue. For a repurchase agreement or a securities loan where the collateral is cash, exposure... from the other party.\\23\\ For securities lending transactions where the collateral is other securities...

  13. 77 FR 37265 - Lending Limits

    Science.gov (United States)

    2012-06-21

    ..., less cash received from the other party. For securities lending transactions where the collateral is...;Prices of new books are listed in the first FEDERAL REGISTER issue of each #0;week. #0; #0; #0; #0;#0... OCC-2012-0007] RIN 1557-AD59 Lending Limits AGENCY: Office of the Comptroller of the Currency...

  14. New horizons: Reablement - supporting older people towards independence.

    Science.gov (United States)

    Aspinal, Fiona; Glasby, Jon; Rostgaard, Tine; Tuntland, Hanne; Westendorp, Rudi G J

    2016-09-01

    As the overwhelming majority of older people prefer to remain in their own homes and communities, innovative service provision aims to promote independence of older people despite incremental age associated frailty. Reablement is one such service intervention that is rapidly being adopted across high-income countries and projected to result in significant cost-savings in public health expenditure by decreasing premature admission to acute care settings and long-term institutionalisation. It is an intensive, time-limited intervention provided in people's homes or in community settings, often multi-disciplinary in nature, focussing on supporting people to regain skills around daily activities. It is goal-orientated, holistic and person-centred irrespective of diagnosis, age and individual capacities. Reablement is an inclusive approach that seeks to work with all kinds of frail people but requires skilled professionals who are willing to adapt their practise, as well as receptive older people, families and care staff. Although reablement may just seem the right thing to do, studies on the outcomes of this knowledge-based practice are inconsistent-yet there is an emerging evidence and practice base that suggests that reablement improves performance in daily activities. This innovative service however may lead to hidden side effects such as social isolation and a paradoxical increase in hospital admissions. Some of the necessary evaluative research is already underway, the results of which will help fill some of the evidence gaps outlined here. © The Author 2016. Published by Oxford University Press on behalf of the British Geriatrics Society. All rights reserved. For Permissions, please email: journals.permissions@oup.com.

  15. Lending sociodynamics and economic instability

    Science.gov (United States)

    Hawkins, Raymond J.

    2011-11-01

    We show how the dynamics of economic instability and financial crises articulated by Keynes in the General Theory and developed by Minsky as the Financial Instability Hypothesis can be formalized using Weidlich’s sociodynamics of opinion formation. The model addresses both the lending sentiment of a lender in isolation as well as the impact on that lending sentiment of the behavior of other lenders. The risk associated with lending is incorporated through a stochastic treatment of loan dynamics that treats prepayment and default as competing risks. With this model we are able to generate endogenously the rapid changes in lending opinion that attend slow changes in lending profitability and find these dynamics to be consistent with the rise and collapse of the non-Agency mortgage-backed securities market in 2007/2008. As the parameters of this model correspond to well-known phenomena in cognitive and social psychology, we can both explain why economic instability has proved robust to advances in risk measurement and suggest how policy for reducing economic instability might be formulated in an experimentally sound manner.

  16. Empirical determinants of relationship lending

    Directory of Open Access Journals (Sweden)

    Sahar Loukil

    2016-12-01

    Full Text Available We study the determinants of the incidence of relationship lending. For our study, we combine established insights from the study of Elsas with empirical banking relationship lending literature. We relate loan contract and borrower characteristics to self-assessments of Tunisian banks with respect to the existence of close relationship. Using detailed loan contract information from Tunisian banks and a questionnaire addressed to loan officers, we report the first comprehensive evidence on the development of relationship lending. We find that access to information, the ability to influence the manager, and the solvency of the company are relevant factors. While the exclusivity and the duration of the relationship, classic measures of the existence of close ties with the bank, are not determining factors. So these proxy measures should be used with caution in future empirical works.

  17. Protocol-independent granular temperature supported by numerical simulations

    Science.gov (United States)

    Becker, Volker; Kassner, Klaus

    2015-11-01

    A possible approach to the statistical description of granular assemblies starts from Edwards's assumption that all blocked states occupying the same volume are equally probable [Edwards and Oakeshott, Physica A 157, 1080 (1989)], 10.1016/0378-4371(89)90034-4. We performed computer simulations using two-dimensional polygonal particles excited periodically according to two different protocols: excitation by pulses of "negative gravity" and excitation by "rotating gravity." The first protocol exhibits a nonmonotonous dependency of the mean volume fraction on the pulse strength. The overlapping histogram method is used in order to test whether the volume distribution is described by a Boltzmann-like distribution and to calculate the inverse compactivity as well as the logarithm of the partition sum. We find that the mean volume is a unique function of the measured granular temperature, independently of the protocol and of the branch in ϕ (g ) , and that all determined quantities are in agreement with Edwards's theory.

  18. Relationship Lending and Firm Innovativeness

    NARCIS (Netherlands)

    Giannetti, C.

    2009-01-01

    This study investigates the effects of relationship lending on firm innovativeness using a panel of Italian manufacturing firms. In order to disentangle the impact of bank ties on the discovery phase from that in the introduction phase of new technologies, the analysis proceeds in two steps,

  19. Complete mitochondrial genome sequences of three bats species and whole genome mitochondrial analyses reveal patterns of codon bias and lend support to a basal split in Chiroptera.

    Science.gov (United States)

    Meganathan, P R; Pagan, Heidi J T; McCulloch, Eve S; Stevens, Richard D; Ray, David A

    2012-01-15

    Order Chiroptera is a unique group of mammals whose members have attained self-powered flight as their main mode of locomotion. Much speculation persists regarding bat evolution; however, lack of sufficient molecular data hampers evolutionary and conservation studies. Of ~1200 species, complete mitochondrial genome sequences are available for only eleven. Additional sequences should be generated if we are to resolve many questions concerning these fascinating mammals. Herein, we describe the complete mitochondrial genomes of three bats: Corynorhinus rafinesquii, Lasiurus borealis and Artibeus lituratus. We also compare the currently available mitochondrial genomes and analyze codon usage in Chiroptera. C. rafinesquii, L. borealis and A. lituratus mitochondrial genomes are 16438 bp, 17048 bp and 16709 bp, respectively. Genome organization and gene arrangements are similar to other bats. Phylogenetic analyses using complete mitochondrial genome sequences support previously established phylogenetic relationships and suggest utility in future studies focusing on the evolutionary aspects of these species. Comprehensive analyses of available bat mitochondrial genomes reveal distinct nucleotide patterns and synonymous codon preferences corresponding to different chiropteran families. These patterns suggest that mutational and selection forces are acting to different extents within Chiroptera and shape their mitochondrial genomes. Copyright © 2011 Elsevier B.V. All rights reserved.

  20. 77 FR 66748 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2012-11-07

    .... Regulation Z currently requires that issuers consider the consumer's independent ability to pay, regardless... contains notices to the public of #0;the proposed issuance of rules and regulations. The purpose of these... 1026 [Docket No. CFPB-2012-0039] RIN 3170-AA28 Truth in Lending (Regulation Z) AGENCY: Bureau of...

  1. 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...

  2. 12 CFR 228.22 - Lending test.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Lending test. 228.22 Section 228.22 Banks and... REINVESTMENT (REGULATION BB) Standards for Assessing Performance § 228.22 Lending test. (a) Scope of test. (1) The lending test evaluates a bank's record of helping to meet the credit needs of its assessment area...

  3. 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.

  4. A New Paradigm for Secure Social Lending

    Science.gov (United States)

    Serrelis, Emmanouil; Alexandris, Nikolaos

    Social Lending is one of the latest trends in Social Networking, offering a communication and financial channel between individual borrowers and lenders. The various Social Lending transaction schemes could be subject to multiple security threats, in both financial and technical terms, which could affect the integrity of the service as well as the trust of citizens. This paper provides an overview of the basic characteristics of Social Lending as well as an analysis the potential security issues suggesting some appropriate corrective measures. The ultimate target is to enforce the Social Lending effort with an information security foundation that could become an appreciable alternative to the "traditional" lending system.

  5. Transitioning to employment with a rheumatic disease: the role of independence, overprotection, and social support.

    Science.gov (United States)

    Jetha, Arif; Badley, Elizabeth; Beaton, Dorcas; Fortin, Paul R; Shiff, Natalie J; Rosenberg, Alan M; Tucker, Lori B; Mosher, Dianne P; Gignac, Monique A M

    2014-12-01

    To examine perceived independence, overprotection, and support, and their association with the employment participation of young adults with rheumatic disease. One hundred and forty-three young adults, ages 18 to 30 years, with systemic lupus erythematosus (54.5%) and juvenile arthritis (45.5%) completed a 30-min online questionnaire of their work and education experiences. Information collected was demographic, health (e.g., pain, fatigue, disease activity), work context (e.g., career satisfaction, helpfulness of job accommodation/benefits, and workplace activity limitations), and psychosocial (e.g., independence, social support, and overprotection). Log-Poisson regression analysis examined factors associated with employment status. Over half of respondents were employed (59%) and 26% were enrolled in school. Respondents reported moderate to high perceptions of independence and social support. However, 27% reported that "quite a bit" to "a great deal" of overprotection characterized their relationships with those closest to them. At the bivariate level, employed participants and those indicating greater perceived independence reported greater social support and less overprotection. Multivariable analysis revealed that being employed was associated with older age, more job accommodations/benefits perceived as being helpful, and greater perceived independence. This is one of the first studies examining the employment of young adults with rheumatic diseases. Findings highlight the importance of psychosocial perceptions such as independence and overprotection, in addition to support related to working. Additional research is needed to better understand the role of those close to young adults with rheumatic diseases in supporting independence and encouraging employment.

  6. 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.

  7. Best Practices for a University Laptop Lending Program

    Directory of Open Access Journals (Sweden)

    Pamela Buzzard

    2011-10-01

    Full Text Available The University of Arizona Libraries currently circulates over three hundred pieces of equipment including laptops, netbooks, projectors and iPads. This article describes the best practices and workflows we have developed since 2003 to create a laptop/equipment lending program that is efficient and mindful of financial resources and that our student body loves and continues to support.

  8. Supporting Homeless Youth during the Transition to Adulthood: Housing-Based Independent Living Programs

    Science.gov (United States)

    Dworsky, Amy

    2010-01-01

    While many young people depend on parental financial and emotional support well past the age of 18, those who are homeless must make the transition to adulthood without that support. This article discusses the needs of homeless youth as they transition to adulthood. It then describes three housing-based independent living programs designed to…

  9. Piping benchmark problems: dynamic analysis independent support motion response spectrum method

    International Nuclear Information System (INIS)

    Bezler, P.; Subudhi, M.; Hartzman, M.

    1985-08-01

    Four benchmark problems and solutions were developed for verifying the adequacy of computer programs used for the dynamic analysis and design of elastic piping systems by the independent support motion, response spectrum method. The dynamic loading is represented by distinct sets of support excitation spectra assumed to be induced by non-uniform excitation in three spatial directions. Complete input descriptions for each problem are provided and the solutions include predicted natural frequencies, participation factors, nodal displacements and element forces for independent support excitation and also for uniform envelope spectrum excitation. Solutions to the associated anchor point pseudo-static displacements are not included

  10. 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...

  11. 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...

  12. 12 CFR 32.3 - Lending limits.

    Science.gov (United States)

    2010-01-01

    ... segregated deposit account in the lending bank, provided a security interest in the deposit has been... as security for the loan or the industrial occupant issues a promissory note to the bank that... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Lending limits. 32.3 Section 32.3 Banks and...

  13. Brief Report: An Independent Replication and Extension of Psychometric Evidence Supporting the Theory of Mind Inventory

    Science.gov (United States)

    Greenslade, Kathryn J.; Coggins, Truman E.

    2016-01-01

    This study presents an independent replication and extension of psychometric evidence supporting the "Theory of Mind Inventory" ("ToMI"). Parents of 20 children with ASD (4; 1-6; 7 years; months) and 20 with typical development (3; 1-6; 5), rated their child's theory of mind abilities in everyday situations. Other parent report…

  14. Features of Intellectual Property Rights Lending

    Directory of Open Access Journals (Sweden)

    Olga Fedorovna Maslenkova

    2017-12-01

    Full Text Available The article describes the current situation in lending intellectual property (IP rights in Russia. Furthermore, I investigate the existing legal framework for this type of lending. Special attention is paid to Russian and foreign literature review, including dissertations. The author studied the dynamics of lending trademarks license contracts and based on the official data of Federal Service for Intellectual Property of the Russian Federation archives and intellectual activity of 2009 — 2016. I describe borrowers and lenders as well as Russian regional banks having experience in intellectual property rights lending in 2014 — 2016. The author identified and commented the benefits of implementing such credit for a commercial bank and the company-borrower. Special attention is paid to difficulties and risks for both the lender and the borrower. The author has developed a mechanism of intellectual property rights lending, which describes procedures for parties. The study has defined the preferred algorithms for both the company-borrower and profitable bank. Moreover, I have described the “problem loan”, or late repayment of credit and interest. The paper describes conditions, which are necessary for the successful implementation of the developed credit schemes. I have revealed the impact of the Central Bank of the Russian Federation on the status of lending of IP and proposed measures to improve the situation. Recommendations of the author would help to promote secured bank lending of IP rights. This will have positive results for both the borrowers and the regional banks

  15. Is perceived emotional support beneficial? Well-being and health in independent and interdependent cultures.

    Science.gov (United States)

    Uchida, Yukiko; Kitayama, Shinobu; Mesquita, Batja; Reyes, Jose Alberto S; Morling, Beth

    2008-06-01

    Previous studies show there is little or no association between perceived emotional support and well-being in European American culture. The authors hypothesized that this paradoxical absence of any benefit of perceived support is unique to cultural contexts that privilege independence rather than interdependence of the self. Study 1 tested college students and found, as predicted, that among Euro-Americans a positive effect of perceived emotional support on subjective well-being (positive affect) was weak and, moreover, it disappeared entirely once self-esteem was statistically controlled. In contrast, among Asians in Asia (Japanese and Filipinos) perceived emotional support positively predicted subjective well-being even after self-esteem was controlled. Study 2 extended Study 1 by testing both Japanese and American adults in midlife with respect to multiple indicators of well-being and physical health. Overall, the evidence underscores the central significance of culture as a moderator of the effectiveness of perceived emotional support.

  16. Effect of PVRC damping with independent support motion response spectrum analysis of piping systems

    International Nuclear Information System (INIS)

    Wang, Y.K.; Bezler, P.; Shteyngart, S.

    1986-01-01

    The Technical Committee for Piping Systems of the Pressure Vessel Research Committee (PVRC) has recommended new damping values to be used in the seismic analyses of piping systems in nuclear power plants. To evaluate the effects of coupling these recommendations with the use of independent support motion analyses methods, two sets of seismic analyses have been carried out for several piping systems. One set based on the use of uniform damping as specified in Regulatory Guide 1.61, the other based on the PVRC recommendations. In each set the analyses were performed using independent support motion time history and response spectrum methods as well as the envelope spectrum method. In the independent response spectrum analyses, 14 response estimates were in fact obtained by considering different combination procedures between the support group contributions and all sequences of combinations between support groups, modes and directions. For each analysis set, the response spectrum results were compared with time history estimates of those results. Comparison tables were then prepared depicting the percentage by which the response spectrum estimates exceeded the time history estimates. By comparing the result tables between both analysis sets, the impact of PVRC damping can be observed. Preliminary results show that the degree of exceedance of the response spectrum estimates based on PVRC damping is less than that based on uniform damping for the same piping problem. Expressed differently the results obtained if ISM methods are coupled with PVRC damping are not as conservative as those obtained using uniform damping

  17. A Trunk Support System to Identify Posture Control Mechanisms in Populations Lacking Independent Sitting.

    Science.gov (United States)

    Goodworth, Adam D; Wu, Yen-Hsun; Felmlee, Duffy; Dunklebarger, Ellis; Saavedra, Sandra

    2017-01-01

    Populations with moderate-to-severe motor control impairments often exhibit degraded trunk control and/or lack the ability to sit unassisted. These populations need more research, yet their underdeveloped trunk control complicates identification of neural mechanisms behind their movements. The purpose of this study was to overcome this barrier by developing the first multi-articulated trunk support system to identify visual, vestibular, and proprioception contributions to posture in populations lacking independent sitting. The system provided external stability at a user-specific level on the trunk, so that body segments above the level of support required active posture control. The system included a tilting surface (controlled via servomotor) as a stimulus to investigate sensory contributions to postural responses. Frequency response and coherence functions between the surface tilt and trunk support were used to characterize system dynamics and indicated that surface tilts were accurately transmitted up to 5 Hz. Feasibility of collecting kinematic data in participants lacking independent sitting was demonstrated in two populations: two typically developing infants, [Formula: see text] months, in a longitudinal study (eight sessions each) and four children with moderate-to-severe cerebral palsy (GMFCS III-V). Adaptability in the system was assessed by testing 16 adults (ages 18-63). Kinematic responses to continuous pseudorandom surface tilts were evaluated across 0.046-2 Hz and qualitative feedback indicated that the trunk support and stimulus were comfortable for all subjects. Concepts underlying the system enable both research for, and rehabilitation in, populations lacking independent sitting.

  18. The social basis of separatism: explaining support for the Puerto Rican Independence Movement

    Directory of Open Access Journals (Sweden)

    Astrid Arrarás

    2007-12-01

    Full Text Available In the 1990s, particularly in the wake of the fall of the Soviet Union, comparativists rediscovered the enduring appeal of separatist movements around the globe. Many of the most significant political events of the past decade have revolved around issues of nationalism, ethnicity, irredenta, and the like. In light of these renewed preoccupations, it is surprising that U.S. scholars have largely ignored a nationalist movement closer to home. The Puerto Rican independence movement is by far the most significant separatist tendency under the U.S. flag, and is one of the few major anticolonialist movements to survive into the twenty-first century. Although supporters of Puerto Rican independence have typically drawn only three to five percent support in local elections and in plebiscites on the island’s political status, neither have they disappeared from the political scene. The remarkable durability of the independence movement demands systematic explanation. However, as strange as it may seem, to date there have been no serious scholarly studies of the social bases of the Puerto Rican independence movement.

  19. People-to-People Lending: The Emerging E-Commerce Transformation of a Financial Market

    Science.gov (United States)

    Wang, Hui; Greiner, Martina; Aronson, Jay E.

    This paper provides an overview of the concept of people-to-people (P2P) lending, a relatively new e-commerce phenomenon that has the potential to radically change the structure of the loan segment of the financial industry. P2P lending creates a marketplace of individuals and a social fabric through which these individuals interact. It provides efficient information transfer, thus perhaps creating more perfect markets. P2P lending requires information systems support to make it function, and to provide a social network mechanism that may be crucial for its success. We discuss different P2P lending marketplace models, and how information systems support the creation and management of these new marketplaces, and how they support the individuals involved. We conclude by providing some important research questions and directions, and issues for which further investigation is called.

  20. Bank ownership, lending, and local economic performance during the 2008–2009 financial crisis

    Science.gov (United States)

    Coleman, Nicholas; Feler, Leo

    2017-01-01

    Although government banks are frequently associated with political capture and resource misallocation, they may be well-positioned during times of crisis to provide countercyclical support. Following the collapse of Lehman Brothers in September 2008, Brazil’s government banks substantially increased lending. Localities in Brazil with a high share of government banks received more loans and experienced better employment outcomes relative to localities with a low share of government banks. While increased government bank lending mitigated an economic downturn, we find that this lending was politically targeted, inefficiently allocated, and reduced productivity growth. PMID:28936027

  1. 12 CFR 34.62 - Real estate lending standards.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Real estate lending standards. 34.62 Section 34.62 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND APPRAISALS Real Estate Lending Standards § 34.62 Real estate lending standards. (a) Each national bank shall...

  2. An automatic speech recognition system with speaker-independent identification support

    Science.gov (United States)

    Caranica, Alexandru; Burileanu, Corneliu

    2015-02-01

    The novelty of this work relies on the application of an open source research software toolkit (CMU Sphinx) to train, build and evaluate a speech recognition system, with speaker-independent support, for voice-controlled hardware applications. Moreover, we propose to use the trained acoustic model to successfully decode offline voice commands on embedded hardware, such as an ARMv6 low-cost SoC, Raspberry PI. This type of single-board computer, mainly used for educational and research activities, can serve as a proof-of-concept software and hardware stack for low cost voice automation systems.

  3. Independent Component Analysis-Support Vector Machine-Based Computer-Aided Diagnosis System for Alzheimer's with Visual Support.

    Science.gov (United States)

    Khedher, Laila; Illán, Ignacio A; Górriz, Juan M; Ramírez, Javier; Brahim, Abdelbasset; Meyer-Baese, Anke

    2017-05-01

    Computer-aided diagnosis (CAD) systems constitute a powerful tool for early diagnosis of Alzheimer's disease (AD), but limitations on interpretability and performance exist. In this work, a fully automatic CAD system based on supervised learning methods is proposed to be applied on segmented brain magnetic resonance imaging (MRI) from Alzheimer's disease neuroimaging initiative (ADNI) participants for automatic classification. The proposed CAD system possesses two relevant characteristics: optimal performance and visual support for decision making. The CAD is built in two stages: a first feature extraction based on independent component analysis (ICA) on class mean images and, secondly, a support vector machine (SVM) training and classification. The obtained features for classification offer a full graphical representation of the images, giving an understandable logic in the CAD output, that can increase confidence in the CAD support. The proposed method yields classification results up to 89% of accuracy (with 92% of sensitivity and 86% of specificity) for normal controls (NC) and AD patients, 79% of accuracy (with 82% of sensitivity and 76% of specificity) for NC and mild cognitive impairment (MCI), and 85% of accuracy (with 85% of sensitivity and 86% of specificity) for MCI and AD patients.

  4. 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.

  5. 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

  6. 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

  7. 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

  8. 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...

  9. 76 FR 11319 - Truth in Lending

    Science.gov (United States)

    2011-03-02

    ... Loan Mortgage Corporation Act (FHLMCA), 12 U.S.C. 1454(a)(2), should be used in determining whether or... Home Loan Mortgage Corporation Act (FHLMCA). Further, the Board believes that it is necessary to... in Lending Act (TILA). The final rule implements Section 1461 of the recently enacted Dodd-Frank Wall...

  10. Development of a wearable support system to aid the visually impaired in independent mobilization and navigation.

    Science.gov (United States)

    Froneman, Tayla; van den Heever, Dawie; Dellimore, Kiran

    2017-07-01

    Visually impaired individuals have great difficulty in navigating unfamiliar environments. Conventional methods of obstacle detection are not always sufficient, thus a need exists for a low-cost device which could aid the visually impaired in navigating indoor environments. The aim of this study is to develop a wearable prototype support system which aids the visually impaired in independent navigation and mobilization. It utilizes ultrasonic sensors to detect obstacles and transmits feedback to the user through an array of vibration motors. The prototype device was evaluated by detecting the sensor signatures of various common static household obstacles. Trends were identified in these signatures which can be used to give feedback to the user of the type of obstacle encountered. The results show the basic feasibility of the device in static indoor obstacle detection and identification for the visually impaired. However, further refinement is needed to extend the system's functionality by detecting dynamic obstacles.

  11. Striking the Right Balance: Police Experience, Perceptions and Use of Independent Support Persons During Interviews Involving People with Intellectual Disability.

    Science.gov (United States)

    Henshaw, Marie; Spivak, Benjamin; Thomas, Stuart D M

    2018-03-01

    Several jurisdictions mandate the presence of an independent support person during police interviews with vulnerable people. The current study investigated police officers' experiences and perceptions of these volunteers during interviews with people with intellectual disability(ies) (ID). The sample comprised 229 police officers who attended a mandatory firearms training course in Melbourne, Australia, in 2010. Participants commonly reported utilizing independent support persons and displayed a fair understanding of their role. Overall, volunteers were engaged more frequently than family/friends; police considered the volunteers to be more impartial during interviews, whereas family/friends provided a greater level of emotional support to interviewees. Independent support persons need to demonstrate two quite different types of support to people with intellectual disability(ies) during police interviews; these require quite different skill sets and suggest the need for more tailored training and support for these volunteers. Implications for future research and policy are discussed. © 2016 John Wiley & Sons Ltd.

  12. Kalimantan energy resource management to support energy independence and industry growth

    International Nuclear Information System (INIS)

    Rizki Firmansyah Setya Budi; Wiku Lulus Widodo; Djati Hoesen Salimy

    2014-01-01

    There are a large number of energy resource in Kalimantan such as coal, oil, CBM, gas and nuclear. While the electricity consumption still low. That condition caused by the bad energy planning. The aim of the study are to know the number and the ability of energy resource to supply the energy demand that support the growth of Kalimantan industry. The methodology are collecting and processing data through calculation using MESSAGE Program. The result is energy resource in Kalimantan can support Kalimantan energy independence and industry growth in Kalimantan. The coal resource is 34,814 million ton consumption 835 million ton, gas resource is 31,814 BSCF consumption 3,281 BSCF, Oil resource is 920 MMSTB consumption 4406 MMSTB, CBM resource is 210 TCF consumption 2.1 TCF, U 3 O 8 resource is 12,409 ton consumption zero. Whereas for hydro and biomass, the resource are 256 and 138 MWyr, the maximum consumption 185 and 126 MWyr every year. Oil consumption will exceed the resource so need import from other island or replaced by others energy that have large resource such as gas, CBM, or coal. Potency to make cleaner environment can be done by used nuclear energy. (author)

  13. Balancing independence and safety: the challenge of supporting older people with dementia and sight loss.

    Science.gov (United States)

    Lawrence, Vanessa; Murray, Joanna

    2010-07-01

    dementia and visual impairment are common in older adults, and both conditions create a high risk of disability. Care professionals lack evidence on how best to support older adults with both conditions. the study investigated attitudes towards working with older adults with concurrent sight loss and dementia, the challenges involved and suggestions for service development. a qualitative study was conducted comprising 18 in-depth interviews and two focus groups with care professionals within mental health and low vision services. care professionals were alert to the high levels of risk among patients with joint sight loss and dementia. In-depth interviews revealed that insufficient time and expertise can lead to an overcautious approach that prioritises the reduction of risk rather than the promotion of independence. Focus groups highlighted the role that joint working can play in supporting older adults' valued roles and activities. Barriers to joint working were identified alongside strategies to assist the process. it is essential that care professionals and service providers acknowledge and respond to the complex needs of this population. Joint working was considered key to assessing risks and targeting interventions. The research workshop presented here provides a useful format for improving practice across inter-professional boundaries.

  14. Humane Orientation and Corruption in Bank Lending

    OpenAIRE

    Siwapong Dheera-aumpon

    2017-01-01

    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...

  15. 12 CFR 614.4360 - Lending and leasing limit violations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Lending and leasing limit violations. 614.4360... OPERATIONS Lending and Leasing Limits § 614.4360 Lending and leasing limit violations. (a) Each loan, except... and leasing limit on the date the loan is made, and at all times thereafter. Except as provided for in...

  16. 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...

  17. 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...

  18. Guidelines for Beginning and Maintaining a Toy Lending Library.

    Science.gov (United States)

    Rettig, Michael A.

    1998-01-01

    Toy-lending libraries provide parents and professionals with opportunities for shared play and the loan of toys. This article reviews the history of toy-lending libraries and the purpose of Lekoteks, the Swedish toy library. Guidelines and suggestions for developing and maintaining a toy-lending library are discussed. (JPB)

  19. A decision-support framework for promoting independent living and ageing well.

    Science.gov (United States)

    Billis, Antonis S; Papageorgiou, Elpiniki I; Frantzidis, Christos A; Tsatali, Marianna S; Tsolaki, Anthoula C; Bamidis, Panagiotis D

    2015-01-01

    Artificial intelligence and decision support systems offer a plethora of health monitoring capabilities in ambient assisted living environment. Continuous assessment of health indicators for elderly people living on their own is of utmost importance, so as to prolong their independence and quality of life. Slow varying, long-term deteriorating health trends are not easily identifiable in seniors. Thus, early sign detection of a specific condition, as well as, any likely transition from a healthy state to a pathological one are key problems that the herein proposed framework aims at resolving. Statistical process control concepts offer a personalized approach toward identification of trends that are away from the atypical behavior or state of the seniors, while fuzzy cognitive maps knowledge representation and inference schema have proved to be efficient in terms of disease classification. Geriatric depression is used as a case study throughout the paper, so to prove the validity of the framework, which is planned to be pilot tested with a series of lone-living seniors in their own homes.

  20. Applying Different Independent Component Analysis Algorithms and Support Vector Regression for IT Chain Store Sales Forecasting

    Science.gov (United States)

    Dai, Wensheng

    2014-01-01

    Sales forecasting is one of the most important issues in managing information technology (IT) chain store sales since an IT chain store has many branches. Integrating feature extraction method and prediction tool, such as support vector regression (SVR), is a useful method for constructing an effective sales forecasting scheme. Independent component analysis (ICA) is a novel feature extraction technique and has been widely applied to deal with various forecasting problems. But, up to now, only the basic ICA method (i.e., temporal ICA model) was applied to sale forecasting problem. In this paper, we utilize three different ICA methods including spatial ICA (sICA), temporal ICA (tICA), and spatiotemporal ICA (stICA) to extract features from the sales data and compare their performance in sales forecasting of IT chain store. Experimental results from a real sales data show that the sales forecasting scheme by integrating stICA and SVR outperforms the comparison models in terms of forecasting error. The stICA is a promising tool for extracting effective features from branch sales data and the extracted features can improve the prediction performance of SVR for sales forecasting. PMID:25165740

  1. Supporting the Development of Autonomous Learning Skills in Reading and Writing in an Independent Language Learning Centre

    Directory of Open Access Journals (Sweden)

    Hazel L. W. Chiu

    2012-09-01

    Full Text Available This article draws on observations, examples and findings from previous action research and teaching experiences gathered in an independent language learning centre in a university in Hong Kong to explore strategies for supporting independent learning. The learning centre offers one-to-one and small-group learning sessions to support the development of independent learning skills in various areas. This discussion will explore particularly the focuses of reading and writing skills development. These learner-centred support sessions aim to develop awareness of different types of learning strategies to suit individual learning needs, and cultivate interest and ability for continuous self-learning. The benefits of a semi-structured scaffolding format with attention to individual learning differences and supported by technology will be highlighted.

  2. Grating exchange system of independent mirror supported by floating rotary stage

    Science.gov (United States)

    Zhang, Jianhuan; Tao, Jin; Liu, Yan; Nan, Yan

    2015-10-01

    The performance of The Grating Exchange System can satisfy the Thirty Meter Telescope - TMT for astronomical observation WFOS index requirements and satisfy the requirement of accuracy in the grating exchange. It is used to install in the MOBIE and a key device of MOBIE. The Wide Field Optical Spectrograph (WFOS) is one of the three first-light observing capabilities selected by the TMT Science Advisory Committee. The Multi-Object Broadband Imaging Echellette (MOBIE) instrument design concept has been developed to address the WFOS requirements as described in the TMT Science-Based Requirements Document (SRD). The Grating Exchange System uses a new type of separate movement way of three grating devices and a mirror device. Three grating devices with a mirror are able to achieve independence movement. This kind of grating exchange system can effectively solve the problem that the volume of the grating change system is too large and that the installed space of MOBIE instruments is too limit. This system adopts the good stability, high precision of rotary stage - a kind of using air bearing (Air bearing is famous for its ultra-high precision, and can meet the optical accuracy requirement) and rotation positioning feedback gauge turntable to support grating device. And with a kind of device which can carry greater weight bracket fixed on the MOBIE instrument, with two sets of servo motor control rotary stage and the mirror device respectively. And we use the control program to realize the need of exercising of the grating device and the mirror device. Using the stress strain analysis software--SolidWorks for stress and strain analysis of this structure. And then checking the structure of the rationality and feasibility. And prove that this system can realize the positioning precision under different working conditions can meet the requirements of imaging optical grating diffraction efficiency and error by the calculation and optical performance analysis.

  3. Hedgehog/Gli supports androgen signaling in androgen deprived and androgen independent prostate cancer cells

    Directory of Open Access Journals (Sweden)

    Shtutman Michael

    2010-04-01

    Full Text Available Abstract Background Castration resistant prostate cancer (CRPC develops as a consequence of hormone therapies used to deplete androgens in advanced prostate cancer patients. CRPC cells are able to grow in a low androgen environment and this is associated with anomalous activity of their endogenous androgen receptor (AR despite the low systemic androgen levels in the patients. Therefore, the reactivated tumor cell androgen signaling pathway is thought to provide a target for control of CRPC. Previously, we reported that Hedgehog (Hh signaling was conditionally activated by androgen deprivation in androgen sensitive prostate cancer cells and here we studied the potential for cross-talk between Hh and androgen signaling activities in androgen deprived and androgen independent (AI prostate cancer cells. Results Treatment of a variety of androgen-deprived or AI prostate cancer cells with the Hh inhibitor, cyclopamine, resulted in dose-dependent modulation of the expression of genes that are regulated by androgen. The effect of cyclopamine on endogenous androgen-regulated gene expression in androgen deprived and AI prostate cancer cells was consistent with the suppressive effects of cyclopamine on the expression of a reporter gene (luciferase from two different androgen-dependent promoters. Similarly, reduction of smoothened (Smo expression with siRNA co-suppressed expression of androgen-inducible KLK2 and KLK3 in androgen deprived cells without affecting the expression of androgen receptor (AR mRNA or protein. Cyclopamine also prevented the outgrowth of AI cells from androgen growth-dependent parental LNCaP cells and suppressed the growth of an overt AI-LNCaP variant whereas supplemental androgen (R1881 restored growth to the AI cells in the presence of cyclopamine. Conversely, overexpression of Gli1 or Gli2 in LNCaP cells enhanced AR-specific gene expression in the absence of androgen. Overexpressed Gli1/Gli2 also enabled parental LNCaP cells to

  4. A best practice in education and support services for independent living of intellectually disabled youth and adults in Mexico.

    Science.gov (United States)

    Katz, Gregorio; Rangel-Eudave, Guillermina; Allen-Leigh, Betania; Lazcano-Ponce, Eduardo

    2008-01-01

    This article describes a best practice in the field of intellectual disability, a program for independent living offered by the Center for Integral Training and Development (CADI per its abbreviation in Spanish) for people with intellectual disability in Mexico. A detailed description of an effective program that fosters autonomy, social inclusion and high quality of life in people with intellectual disability is presented. The program encompasses four areas: a) a therapeutic academic area that teaches applied living skills; b) development of social skills; c) development of vocational skills, and d) skills for independent living. The program is divided into three levels: a) initiation to independent living, where clients develop basic abilities for autonomy, b) community integration and social independence, which provides clients with the skills necessary for social inclusion and economic independence, and c) practical and psychological support, which offers counseling for resolving psychological issues and enables subjects to maintain their autonomy.

  5. Overview and Categorization of Robots Supporting Independent Living of Elderly People: What Activities Do They Support and How Far Have They Developed.

    Science.gov (United States)

    Bedaf, Sandra; Gelderblom, Gert Jan; De Witte, Luc

    2015-01-01

    Over the past decades, many robots for the elderly have been developed, supporting different activities of elderly people. A systematic review in four scientific literature databases and a search in article references and European projects was performed in order to create an overview of robots supporting independent living of elderly people. The robots found were categorized based on their development stage, the activity domains they claim to support, and the type of support provided (i.e., physical, non-physical, and/or non-specified). In total, 107 robots for the elderly were identified. Six robots were still in a concept phase, 95 in a development phase, and six of these robots were commercially available. These robots claimed to provide support related to four activity domains: mobility, self-care, interpersonal interaction & relationships, and other activities. Of the many robots developed, only a small percentage is commercially available. Technical ambitions seem to be guiding robot development. To prolong independent living, the step towards physical support is inevitable and needs to be taken. However, it will be a long time before a robot will be capable of supporting multiple activities in a physical manner in the home of an elderly person in order to enhance their independent living.

  6. Development of Network Devices Supporting Communication Independence In NPP I and C Systems

    International Nuclear Information System (INIS)

    Jeong, K.-I.; Suh, Y.S.; Park, G.-O.; Park, J.-Y.

    2013-06-01

    As advanced digital I and C systems of nuclear power plants or research reactors are being introduced to replace analog systems, a data communication network is necessary for data exchanges between I and C systems of nuclear power plants or research reactors. Data communication network technology may have significant impact on I and C systems. As the safety I and C system is composed of redundant channels to enhance the performance of the safety functions and data communication system is used to transmit the data generated by the digital I and C systems, communication independence is required to mitigate the risk of safety I and C system failure. Therefore this paper mainly discusses the issues related to the communication independence and the current status of network devices we designed, developed, and validated to satisfy the requirements of function, performance, and communication independence. (authors)

  7. Striking the Right Balance: Police Experience, Perceptions and Use of Independent Support Persons during Interviews Involving People with Intellectual Disability

    Science.gov (United States)

    Henshaw, Marie; Spivak, Benjamin; Thomas, Stuart D. M.

    2018-01-01

    Background: Several jurisdictions mandate the presence of an independent support person during police interviews with vulnerable people. The current study investigated police officers' experiences and perceptions of these volunteers during interviews with people with intellectual disability(ies) (ID). Methods: The sample comprised 229 police…

  8. Support of enhanced oil recovery to independent producers in Texas. Quarterly technical progress report, July 1, 1995--September 30, 1995

    Energy Technology Data Exchange (ETDEWEB)

    Fotouh, K.H.

    1995-09-30

    The main objective of this project is to support independent oil producers in Texas and to improve the productivity of marginal wells utilizing enhanced oil recovery techniques. The main task carried out this quarter was the generation of an electronic data base.

  9. 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 experience......) of discriminatory behavior related to home financing. The analysis follows two steps. The first evaluates self-selection (the probability that individuals apply) and the second focuses on the likelihood that applications are accepted by the bank. Findings show that discrimination is likely to appear when...... the applicant’s nationality is considered. In addition to its findings, the study (a) provides an original econometric model on a two-step procedure to test perceived discrimination and (b) suggests a method and approach that may constitute a point of reference for those willing to study perceived...

  10. 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.

  11. Monetary Expansion and the Banking Lending Channel.

    Directory of Open Access Journals (Sweden)

    Benjamin Miranda Tabak

    Full Text Available 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.

  12. 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.

  13. How Emotional Stability and Openness to Experience Support Invention: A Study with German Independent Inventors

    Science.gov (United States)

    Mieg, Harald A.; Bedenk, Stephan J.; Braun, Anna; Neyer, Franz J.

    2012-01-01

    How does invention depend on personality? Do inventors differ from noninventors? This study investigated the personal factors influencing a sample of independent inventors in Germany (N = 69). Standardized psychological questionnaires were employed to assess the Big Five personality dimensions, willingness to take risks, self-concept, and…

  14. Feedback and learning support that fosters students' independent learning: an Australian case study

    NARCIS (Netherlands)

    Issa, Tomayess; Issa, Theodora; Kommers, Petrus A.M.

    2015-01-01

    This paper aims to examine students’ reactions to formative (i.e. face to face, audio, wiki and live, email) feedback. This approach is used to improve students’ communication and critical-thinking skills and to encourage independent learning. This paper provides empirical evidence from 327 students

  15. 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...

  16. THE INFLUENCE OF LENDING ACTIVITY OVER CONSUMER'S BEHAVIOR

    Directory of Open Access Journals (Sweden)

    VIORICA MIRELA STEFAN-DUICU

    2011-04-01

    Full Text Available Lending activity involves an embedding of general principles which require the analysis of risks incorporated in banking operations, both from a consumer and bank perspective. Correlated with economic environment shifts, the consumer’s definition concentrates a series of individual and group necessities with a decisive role in a possible lending decision. As socio-economic issue, the consumer is oriented at lending when his income in order to buy goods or services is not satisfactory.This paper aims at presenting the consumer hypostasis resulted from lending activities, identifying its purposes and risks.

  17. Embedding Information Literacy Skills in the Psychology Curriculum: Supporting Students in Their Transition to Independent Researchers

    Science.gov (United States)

    Bohan, Jason; Friel, Niamh; Szymanek, Larissa

    2015-01-01

    Here we report on a new initiative which supported first-year psychology undergraduates in developing their information literacy skills. These skills were taught in a small-group tutorial setting with tutor guidance and peer-supported activities. We measured student's Autonomous Learning and Academic Self-Efficacy before and after the teaching…

  18. Independent Review Support for Phoenix Mars Mission Robotic Arm Brush Motor Failure

    Science.gov (United States)

    McManamen, John P.; Pellicciotti, Joseph; DeKramer, Cornelis; Dube, Michael J.; Peeler, Deborah; Muirhead, Brian K.; Sevilla, Donald R.; Sabahi, Dara; Knopp, Michael D.

    2007-01-01

    The Phoenix Project requested the NASA Engineering and Safety Center (NESC) perform an independent peer review of the Robotic Arm (RA) Direct Current (DC) motor brush anomalies that originated during the Mars Exploration Rover (MER) Project and recurred during the Phoenix Project. The request was to evaluate the Phoenix Project investigation efforts and provide an independent risk assessment. This includes a recommendation for additional work and assessment of the flight worthiness of the RA DC motors. Based on the investigation and findings contained within this report, the IRT concurs with the risk assessment Failure Cause / Corrective Action (FC/CA) by the project, "Failure Effect Rating "3"; Major Degradation or Total Loss of Function, Failure Cause/Corrective Action Rating Currently "4"; Unknown Cause, Uncertainty in Corrective Action."

  19. Hybrid dimensionality reduction method based on support vector machine and independent component analysis.

    Science.gov (United States)

    Moon, Sangwoo; Qi, Hairong

    2012-05-01

    This paper presents a new hybrid dimensionality reduction method to seek projection through optimization of both structural risk (supervised criterion) and data independence (unsupervised criterion). Classification accuracy is used as a metric to evaluate the performance of the method. By minimizing the structural risk, projection originated from the decision boundaries directly improves the classification performance from a supervised perspective. From an unsupervised perspective, projection can also be obtained based on maximum independence among features (or attributes) in data to indirectly achieve better classification accuracy over more intrinsic representation of the data. Orthogonality interrelates the two sets of projections such that minimum redundancy exists between the projections, leading to more effective dimensionality reduction. Experimental results show that the proposed hybrid dimensionality reduction method that satisfies both criteria simultaneously provides higher classification performance, especially for noisy data sets, in relatively lower dimensional space than various existing methods.

  20. Support of EOR to independent producers in Texas. Quarterly report, April 1995--June 1995

    Energy Technology Data Exchange (ETDEWEB)

    Fotouh, K.H.

    1995-09-01

    Extensive research has been conducted nationwide since the early 1970`s to increase our domestic oil production via Enhanced oil Recovery (EOR) technology. Less effort has been made to assure that state-of-the-art EOR technology reaches all producers, especially independents, so they can understand and use it to their benefit. Further, very little effort has been made to make EOR research results useful to the broadest possible base of producers. This report presents information on horizontal drilling and oil well planning including drilling tools, bottomhole assembly tools, drilling equipment, and well completion. A glossary of applicable terms and diagrams are included.

  1. 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,

  2. 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.

  3. Lending relationships and credit rationing : the impact of securitization

    NARCIS (Netherlands)

    Carbo Valverde, S.; Degryse, H.A.; Rodriguez-Fernandez, F.

    2011-01-01

    Do lending relationships mitigate credit rationing? Does securitization influence the impact of lending relationships on credit rationing? If so, is its impact differently in normal periods versus crisis periods? This paper combines several unique data sets to address these questions. Employing a

  4. money lending law and regulation of consumer credit in nigeria

    African Journals Online (AJOL)

    Mofasony

    otherwise of the Moneylenders Laws of Nigeria as consumer credit laws, and opines that not ... attraction of money lending; a very significant consumer credit facility. Money lending is not the only consumer credit facility available. Consumer goods can also be acquired .... The natural reaction was to seek to regulate usury.

  5. 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.

  6. State lends support for industrial parks / Ella Karapetyan

    Index Scriptorium Estoniae

    Karapetyan, Ella

    2010-01-01

    Valitsus kavatseb asutada sihtasutust Ida-Virumaa Tööstusparkide Arendus, mis peaks looma 4000 töökohta. Ühendatakse SA Jõhvi Tööstuspark, SA Narva Tööstuspark ja SA Püssi Tööstusala Arendus

  7. Can Weak Measurement Lend Empirical Support to Quantum Retrocausality?

    Directory of Open Access Journals (Sweden)

    Aharonov Yakir

    2013-09-01

    Full Text Available Quantum weak measurement is presented as shedding new light on the retrocausality question. It is shown to leave a system almost unaffected while gathering information about it. Next, an EPR experiment is studied where each particle undergoes a few weak measurements along some pre-set spin orientations. These weak outcomes are individually recorded. Then the particle undergoes a strong measurement along a spin orientation freely chosen at the last moment. Bell-inequality violation is expected between the two final strong measurements within each EPR pair. At the same time, agreement is expected between these strong measurements and the earlier weak ones performed on that pair. A contradiction thereby ensues: i Bell’s theorem forbids spin values to exist prior to the choice of the spin-orientation to be measured; ii A weak measurement cannot determine the outcome of a successive strong one; and iii Indeed no disentanglement is inflicted by the weak measurements; yet iv The weak measurements’ outcomes agree with those of the strong ones, suggesting the existence of pre-determined values. The most reasonable resolution seems to be that of the Two-State-Vector Formalism, namely, that the experimenter’s choice has been encrypted within the weak measurement’s outcomes, even before the experimenter themselves knows what their choice will be. Causal loops are avoided by this anticipation remaining encrypted until the final outcomes enable to decipher it.

  8. Interactive Videogame Technologies to Support Independence in the Elderly: A Narrative Review.

    Science.gov (United States)

    Marston, Hannah R; Smith, Stuart T

    2012-04-01

    In recent years the use of videogame technology has increased within the domain of health, in particular to facilitate rehabilitation following a stroke or fall. This review presents an overview of how videogame technologies can be used to address health issues contributing to reduced independence in older adults. Four themes were identified: (1) hardware, (2) software, (3) health issues addressed using videogames, and (4) clinicians' perspectives. Several recommendations have been proposed to build upon the use and integration of videogame technology into rehabilitation and training for older adults. In particular, the use of videogames for health requires an appropriate game classification system for development of games that are appropriate for the physical, cognitive, and social requirements of older adults or those living with a disability.

  9. Classification of fMRI independent components using IC-fingerprints and support vector machine classifiers.

    Science.gov (United States)

    De Martino, Federico; Gentile, Francesco; Esposito, Fabrizio; Balsi, Marco; Di Salle, Francesco; Goebel, Rainer; Formisano, Elia

    2007-01-01

    We present a general method for the classification of independent components (ICs) extracted from functional MRI (fMRI) data sets. The method consists of two steps. In the first step, each fMRI-IC is associated with an IC-fingerprint, i.e., a representation of the component in a multidimensional space of parameters. These parameters are post hoc estimates of global properties of the ICs and are largely independent of a specific experimental design and stimulus timing. In the second step a machine learning algorithm automatically separates the IC-fingerprints into six general classes after preliminary training performed on a small subset of expert-labeled components. We illustrate this approach in a multisubject fMRI study employing visual structure-from-motion stimuli encoding faces and control random shapes. We show that: (1) IC-fingerprints are a valuable tool for the inspection, characterization and selection of fMRI-ICs and (2) automatic classifications of fMRI-ICs in new subjects present a high correspondence with those obtained by expert visual inspection of the components. Importantly, our classification procedure highlights several neurophysiologically interesting processes. The most intriguing of which is reflected, with high intra- and inter-subject reproducibility, in one IC exhibiting a transiently task-related activation in the 'face' region of the primary sensorimotor cortex. This suggests that in addition to or as part of the mirror system, somatotopic regions of the sensorimotor cortex are involved in disambiguating the perception of a moving body part. Finally, we show that the same classification algorithm can be successfully applied, without re-training, to fMRI collected using acquisition parameters, stimulation modality and timing considerably different from those used for training.

  10. 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.

  11. Establishing an independent mobile health program for chronic disease self-management support in bolivia.

    Science.gov (United States)

    Piette, John D; Valverde, Helen; Marinec, Nicolle; Jantz, Rachel; Kamis, Kevin; de la Vega, Carlos Lazo; Woolley, Timothy; Pinto, Bismarck

    2014-01-01

    Mobile health (m-health) work in low- and middle-income countries (LMICs) mainly consists of small pilot programs with an unclear path to scaling and dissemination. We describe the deployment and testing of an m-health platform for non-communicable disease (NCD) self-management support in Bolivia. Three hundred sixty-four primary care patients in La Paz with diabetes or hypertension completed surveys about their use of mobile phones, health and access to care. One hundred sixty-five of those patients then participated in a 12-week demonstration of automated telephone monitoring and self-management support. Weekly interactive voice response (IVR) calls were made from a platform established at a university in La Paz, under the direction of the regional health ministry. Thirty-seven percent of survey respondents spoke indigenous languages at home and 38% had six or fewer years of education. Eighty-two percent had a mobile phone, 45% used text messaging with a standard phone, and 9% had a smartphone. Smartphones were least common among patients who were older, spoke indigenous languages, or had less education. IVR program participants completed 1007 self-management support calls with an overall response rate of 51%. IVR call completion was lower among older adults, but was not related to patients' ethnicity, health status, or healthcare access. IVR health and self-care reports were consistent with information reported during in-person baseline interviews. Patients' likelihood of reporting excellent, very good, or good health (versus fair or poor health) via IVR increased during program participation and was associated with better medication adherence. Patients completing follow-up interviews were satisfied with the program, with 19/20 (95%) reporting that they would recommend it to a friend. By collaborating with LMICs, m-health programs can be transferred from higher-resource centers to LMICs and implemented in ways that improve access to self-management support among

  12. Establishing an independent mobile health programme for chronic disease self-management support in Bolivia

    Directory of Open Access Journals (Sweden)

    John D Piette

    2014-08-01

    Full Text Available Background: Mobile health (m-health work in low and middle-income countries (LMICs mainly consists of pilot programmes with an unclear path to scaling and dissemination. We describe the deployment and testing of an m-health platform for non-communicable disease (NCD self-management support in Bolivia. Methods: 364 primary care patients in La Paz with diabetes or hypertension completed surveys about their use of mobile phones, health and access to care. 165 of those patients then participated in a 12-week demonstration of automated telephone monitoring and self-management support. Weekly Interactive Voice Response (IVR calls were made from a platform established at a university in La Paz, under the direction of the regional health ministry. Results: 37% of survey respondents spoke indigenous languages at home, and 38% had six or fewer years of education. 82% had a mobile phone; half (45% used text messaging with a standard phone, and 9% had a smartphone. Smartphones were least common among patients who were older, spoke indigenous languages, or had less education. IVR programme participants completed 1007 self-management support calls, with an overall response rate of 51%. IVR call completion was lower among older adults, but was not related to patients’ ethnicity, health status or healthcare access. IVR health and self-care reports were consistent with information reported during baseline interviews. Patients’ likelihood of reporting excellent, very good, or good health (versus fair or poor health via IVR increased during programme participation, and was associated with better medication adherence. Patients completing follow-up interviews were satisfied with the programme, with 19/20 (95% reporting that they would recommend it to a friend. Conclusions: By collaborating with LMICs, m-health programmes can be transferred from higher-resource centres to LMICs and implemented in ways that improve access to self-management support among people

  13. A platform independent prototype for data and information exchange between decision support systems

    International Nuclear Information System (INIS)

    Carle, B.; Baig, S.

    2003-01-01

    Full text: A survey amongst participants in the Decision Support System network (DSSNET) community showed that the organization dealing with the Information exchange between participants and stakeholders in nuclear emergency is too disparate to be defined in one well defined procedure or analysis. Looking at the organization of the national emergency response organizations, and especially when modelling the information flow, diversity is the most striking finding: originators of the information are different, decision making organisation can be different, the approval and publishing of information to press and wider public is dealt with in different ways and the responsibilities for the information flow to other authorities differ as well. Moreover, the place of decision support systems (DSS) in the emergency response organization varies for the different countries. This variation can be found in the way one of the 'big three' (RODOS, ARGOS and RECASS) systems is implemented, and even more in the way other, often country-specific systems, are in use and function more integrated with the particular emergency response organization of the country. Hence we can conclude that there is a need to structure the information exchange system, but this has to be flexible enough to work with the above described variety of existing organizations and procedures. Though it may not be feasible to agree on all specifications of information to be exchanged, we can define at least a minimal set. A prototype for data and information exchange is being developed under the EC project MODEM (Monitoring data and Information exchange among decision support systems). It establishes links between the decision support systems RODOS, ARGOS and RECASS. For setting up this data exchange, the use of xml-based data specifications allows a flexible integration with existing applications. The power to include metadata in a structured way allows the use of automated transformation tools and limits the

  14. Asc1 supports cell-wall integrity near bud sites by a Pkc1 independent mechanism.

    Directory of Open Access Journals (Sweden)

    Daniel Melamed

    Full Text Available BACKGROUND: The yeast ribosomal protein Asc1 is a WD-protein family member. Its mammalian ortholog, RACK1 was initially discovered as a receptor for activated protein C kinase (PKC that functions to maintain the active conformation of PKC and to support its movement to target sites. In the budding yeast though, a connection between Asc1p and the PKC signaling pathway has never been reported. METHODOLOGY/PRINCIPAL FINDINGS: In the present study we found that asc1-deletion mutant (asc1Delta presents some of the hallmarks of PKC signaling mutants. These include an increased sensitivity to staurosporine, a specific Pkc1p inhibitor, and susceptibility to cell-wall perturbing treatments such as hypotonic- and heat shock conditions and zymolase treatment. Microscopic analysis of asc1Delta cells revealed cell-wall invaginations near bud sites after exposure to hypotonic conditions, and the dynamic of cells' survival after this stress further supports the involvement of Asc1p in maintaining the cell-wall integrity during the mid-to late stages of bud formation. Genetic interactions between asc1 and pkc1 reveal synergistic sensitivities of a double-knock out mutant (asc1Delta/pkc1Delta to cell-wall stress conditions, and high basal level of PKC signaling in asc1Delta. Furthermore, Asc1p has no effect on the cellular distribution or redistribution of Pkc1p at optimal or at cell-wall stress conditions. CONCLUSIONS/SIGNIFICANCE: Taken together, our data support the idea that unlike its mammalian orthologs, Asc1p acts remotely from Pkc1p, to regulate the integrity of the cell-wall. We speculate that its role is exerted through translation regulation of bud-site related mRNAs during cells' growth.

  15. 12 CFR 614.4351 - Computation of lending and leasing limit base.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Computation of lending and leasing limit base... POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4351 Computation of lending and leasing limit base. (a) Lending and leasing limit base. An institution's lending and leasing limit base is composed of...

  16. Establishing an Independent Mobile Health Program for Chronic Disease Self-Management Support in Bolivia

    Science.gov (United States)

    Piette, John D.; Valverde, Helen; Marinec, Nicolle; Jantz, Rachel; Kamis, Kevin; de la Vega, Carlos Lazo; Woolley, Timothy; Pinto, Bismarck

    2014-01-01

    Background: Mobile health (m-health) work in low- and middle-income countries (LMICs) mainly consists of small pilot programs with an unclear path to scaling and dissemination. We describe the deployment and testing of an m-health platform for non-communicable disease (NCD) self-management support in Bolivia. Methods: Three hundred sixty-four primary care patients in La Paz with diabetes or hypertension completed surveys about their use of mobile phones, health and access to care. One hundred sixty-five of those patients then participated in a 12-week demonstration of automated telephone monitoring and self-management support. Weekly interactive voice response (IVR) calls were made from a platform established at a university in La Paz, under the direction of the regional health ministry. Results: Thirty-seven percent of survey respondents spoke indigenous languages at home and 38% had six or fewer years of education. Eighty-two percent had a mobile phone, 45% used text messaging with a standard phone, and 9% had a smartphone. Smartphones were least common among patients who were older, spoke indigenous languages, or had less education. IVR program participants completed 1007 self-management support calls with an overall response rate of 51%. IVR call completion was lower among older adults, but was not related to patients’ ethnicity, health status, or healthcare access. IVR health and self-care reports were consistent with information reported during in-person baseline interviews. Patients’ likelihood of reporting excellent, very good, or good health (versus fair or poor health) via IVR increased during program participation and was associated with better medication adherence. Patients completing follow-up interviews were satisfied with the program, with 19/20 (95%) reporting that they would recommend it to a friend. Conclusion: By collaborating with LMICs, m-health programs can be transferred from higher-resource centers to LMICs and implemented in ways that

  17. Independent association between lower level of social support and higher coagulation activity before and after acute psychosocial stress.

    Science.gov (United States)

    Wirtz, Petra H; Redwine, Laura S; Ehlert, Ulrike; von Känel, Roland

    2009-01-01

    To investigate the relationship between social support and coagulation parameter reactivity to mental stress in men and to determine if norepinephrine is involved. Lower social support is associated with higher basal coagulation activity and greater norepinephrine stress reactivity, which in turn, is linked with hypercoagulability. However, it is not known if low social support interacts with stress to further increase coagulation reactivity or if norepinephrine affects this association. These findings may be important for determining if low social support influences thrombosis and possible acute coronary events in response to acute stress. We investigated the relationship between social support and coagulation parameter reactivity to mental stress in men and determined if norepinephrine is involved. We measured perceived social support in 63 medication-free nonsmoking men (age (mean +/- standard error of the mean) = 36.7 +/- 1.7 years) who underwent an acute standardized psychosocial stress task combining public speaking and mental arithmetic in front of an audience. We measured plasma D-dimer, fibrinogen, clotting Factor VII activity (FVII:C), and plasma norepinephrine at rest as well as immediately after stress and 20 minutes after stress. Independent of body mass index, mean arterial pressure, and age, lower social support was associated with higher D-dimer and fibrinogen levels at baseline (p social support and stress on fibrinogen, D-dimer, and norepinephrine (p social support and the coagulation measures D-dimer and fibrinogen. Our results suggest that lower social support is associated with greater coagulation activity before and after acute stress, which was unrelated to norepinephrine reactivity.

  18. Testing the economic independence hypothesis: the effect of an exogenous increase in child support on subsequent marriage and cohabitation.

    Science.gov (United States)

    Cancian, Maria; Meyer, Daniel R

    2014-06-01

    We examine the effects of an increase in income on the cohabitation and marriage of single mothers. Using data from an experiment that resulted in randomly assigned differences in child support receipt for welfare-receiving single mothers, we find that exogenous income increases (as a result of receiving all child support that was paid) are associated with significantly lower cohabitation rates between mothers and men who are not the fathers of their child(ren). Overall, these results support the hypothesis that additional income increases disadvantaged women's economic independence by reducing the need to be in the least stable type of partnerships. Our results also show the potential importance of distinguishing between biological and social fathers.

  19. 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.

  20. Sleep supports cued fear extinction memory consolidation independent of circadian phase.

    Science.gov (United States)

    Melo, Irene; Ehrlich, Ingrid

    2016-07-01

    Sleep promotes memory, particularly for declarative learning. However, its role in non-declarative, emotional memories is less well understood. Some studies suggest that sleep may influence fear-related memories, and thus may be an important factor determining the outcome of treatments for emotional disorders such as post-traumatic stress disorder. Here, we investigated the effect of sleep deprivation and time of day on fear extinction memory consolidation. Mice were subjected to a cued Pavlovian fear and extinction paradigm at the beginning of their resting or active phase. Immediate post-extinction learning sleep deprivation for 5h compromised extinction memory when tested 24h after learning. Context-dependent extinction memory recall was completely prevented by sleep-manipulation during the resting phase, while impairment was milder during the active phase and extinction memory retained its context-specificity. Importantly, control experiments excluded confounding factors such as differences in baseline locomotion, fear generalization and stress hormone levels. Together, our findings indicate that post-learning sleep supports cued fear extinction memory consolidation in both circadian phases. The lack of correlation between memory efficacy and sleep time suggests that extinction memory may be influenced by specific sleep events in the early consolidation period. Copyright © 2016 Elsevier Inc. All rights reserved.

  1. The Obligations on Government and Society in our Constitutional State to Respect and Support Independent Constitutional Structures

    Directory of Open Access Journals (Sweden)

    LWH Ackermann

    2000-05-01

    these institutions is vitally important for creating and sustaining an ethos of constitutionalism among the inhabitants of the Republic.The Constitution makes explicit provision for the protection of the judiciary and the other independent state institutions and thereby indirectly for the development of habits of constitutionalism. The constitutional protection and support given to the independent state institutions are very similar to that given to the courts. One important distinction is to be noted. In the case of the courts, the Constitution provides that they "are subject only to the Constitution and the law" and no provision is made for them to be accountable to any other organ of state or any other institution or person, for that matter. By contrast, the independent institutions envisaged in section 181 of the Constitution are expressly made accountable to the National Assembly and are obliged to report on their activities and the performance of their functions to the Assembly at least once a year. While the formal independence of state institutions may at all times be scrupulously recognised by the legislature and the executive, their substantive independence can easily be undermined by fiscal starvation and their ability to function properly impeded by bureaucratic administrative obstruction or obfuscation or even, quite innocently, by a lack of appreciation of what the Constitution demands from public administration in support of these institutions. Adequate financial and administrative resources are required to achieve aspects of judicial independence. All South Africans must still be vigilant to ensure, from the outset, that all state organs develop habits and practices of constitutionalism and that they do not, whether by omission, error, or otherwise endanger the independence of our independent state institutions by neglecting their constitutional obligations.For the Constitutional Court to fulfil its role as the ultimate guardian of the Constitution, it

  2. 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...

  3. Response margins investigation of piping dynamic analyses using the independent support motion method and PVRC [Pressure Vessel Research Committee] damping

    International Nuclear Information System (INIS)

    Bezler, P.; Wang, Y.K.; Reich, M.

    1988-03-01

    An evaluation of Independent Support Motion (ISM) response spectrum methods of analysis coupled with the Pressure Vessel Research Committee (PVRC) recommendation for damping, to compute the dynamic component of the seismic response of piping systems, was completed. Response estimates for five piping/structural systems were developed using fourteen variants of the ISM response spectrum method, the Uniform Support Motions response spectrum method and the ISM time history analysis method, all based on the PVRC recommendations for damping. The ISM/PVRC calculational procedures were found to exhibit orderly characteristics with levels of conservatism comparable to those obtained with the ISM/uniform damping procedures. Using the ISM/PVRC response spectrum method with absolute combination between group contributions provided consistently conservative results while using the ISM/PVRC response spectrum method with square root sum of squares combination between group contributions provided estimates of response which were deemed to be acceptable

  4. 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...

  5. 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.

  6. 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...

  7. The risk management in bank lending technology corporations

    Directory of Open Access Journals (Sweden)

    Kasimova Liana Irikovna

    2015-06-01

    Full Text Available On the basis of a systematic method of structural transformation systems the original algorithm of risk management in banking technology lending entities was developed (businesses and companies. The essence of risk management is to reduce the errors I and II when deciding on the conditions of lending to borrowers (loan size and parameters of the cash flow for repayment on the basis of an objective assessment of the creditworthiness of borrowers. Application tools - neural network model with a clear description.

  8. Sequential lending with dynamic joint liability in micro-finance

    OpenAIRE

    Chowdhury, Shyamal; Roy Chowdhury, Prabal; Sengupta, Kunal

    2014-01-01

    This paper develops a theory of sequential lending in groups in micro-finance that centers on the notion of dynamic incentives, in particular the simple idea that default incentives should be relatively uniformly distributed across time. In a framework that allows project returns to accrue over time, as well as strategic default, we show that sequential lending can help resolve problems arising out of coordinated default, thus improving project efficiency vis-a-vis individual l...

  9. 76 FR 18007 - Intermediary Lending Pilot Program

    Science.gov (United States)

    2011-04-01

    ... Statements. Purpose: ILP Intermediaries are required to submit audited financial statements as prepared by an...; (4) audited financial statements; and (5) reports of any changes in the ILP Intermediary's...). Annually, the ILP Intermediary must submit audited financial statements prepared by an independent...

  10. A hybrid sales forecasting scheme by combining independent component analysis with K-means clustering and support vector regression.

    Science.gov (United States)

    Lu, Chi-Jie; Chang, Chi-Chang

    2014-01-01

    Sales forecasting plays an important role in operating a business since it can be used to determine the required inventory level to meet consumer demand and avoid the problem of under/overstocking. Improving the accuracy of sales forecasting has become an important issue of operating a business. This study proposes a hybrid sales forecasting scheme by combining independent component analysis (ICA) with K-means clustering and support vector regression (SVR). The proposed scheme first uses the ICA to extract hidden information from the observed sales data. The extracted features are then applied to K-means algorithm for clustering the sales data into several disjoined clusters. Finally, the SVR forecasting models are applied to each group to generate final forecasting results. Experimental results from information technology (IT) product agent sales data reveal that the proposed sales forecasting scheme outperforms the three comparison models and hence provides an efficient alternative for sales forecasting.

  11. A Hybrid Sales Forecasting Scheme by Combining Independent Component Analysis with K-Means Clustering and Support Vector Regression

    Directory of Open Access Journals (Sweden)

    Chi-Jie Lu

    2014-01-01

    Full Text Available Sales forecasting plays an important role in operating a business since it can be used to determine the required inventory level to meet consumer demand and avoid the problem of under/overstocking. Improving the accuracy of sales forecasting has become an important issue of operating a business. This study proposes a hybrid sales forecasting scheme by combining independent component analysis (ICA with K-means clustering and support vector regression (SVR. The proposed scheme first uses the ICA to extract hidden information from the observed sales data. The extracted features are then applied to K-means algorithm for clustering the sales data into several disjoined clusters. Finally, the SVR forecasting models are applied to each group to generate final forecasting results. Experimental results from information technology (IT product agent sales data reveal that the proposed sales forecasting scheme outperforms the three comparison models and hence provides an efficient alternative for sales forecasting.

  12. 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.

  13. 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.

  14. Determinants of Default in P2P Lending

    Science.gov (United States)

    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. PMID:26425854

  15. Responsible Lending in Banks of the Baltic States

    Directory of Open Access Journals (Sweden)

    Jana Erina

    2013-12-01

    Full Text Available The aim of this article is to clarify basic principles of responsible lending in lending agreements between banks and individuals in Latvia, as well as in the existing legislation in the Baltic States that regulates this process. In order to obtain research results, the authors performed qualitative analysis of scientific literature on the issues of responsible lending; legislation that regulates mortgage lending in the Baltic States; successful experience of banks in other countries; information available on home pages of banks about commercial bank loan volumes for mortgage loans with different types of real estate asset backing; information included in loan agreements of four commercial banks in Latvia and its compliance with the laws and regulations. Loan borrower evaluation stages for review of a new loan application were developed. On the basis of loan agreement analysis, the authors elaborated a formula of monthly loan payments for bank customers who experience unfavourable financial conditions. As a result of the research, the authors came to a conclusion that in Latvia and Estonia there is no legislation that directly regulates mortgage loans. During the research the authors also faced some restrictions, as not all banks in Latvia, which continue lending activities, are willing to give information included in loan agreements.

  16. 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.

  17. 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.

  18. Cross-prefecture expansion of regional banks in Japan and its effects on lending-based income

    Directory of Open Access Journals (Sweden)

    Kazumine Kondo

    2015-12-01

    Full Text Available This paper examines whether Japanese regional banks entering the banking market in other prefectures, including neighboring prefectures, can increase their lending-based income. To stimulate local economies and support local small- and medium-sized enterprises, the current Japanese Government’s policies for regional banks require these banks to engage in region-based relationship banking practices. In this study, three lending-based income measures were used as dependent variables, and estimation was made using panel data from Japanese regional banks. As a result, it was determined that regional banks that enter markets in other prefectures experience positive effects in all three lending-based income measures. Moreover, it was determined that regional banks whose headquarters are located in non-urban areas derive greater benefit from their loan businesses upon entry into other prefectures, including neighboring prefectures, where economic activity is more vibrant than regional banks whose headquarters are located in urban areas.

  19. On US politics and IMF lending

    DEFF Research Database (Denmark)

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

    2006-01-01

    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...... points may lead to endogeneity bias in empirical work....

  20. Service tailoring: a method and tool for user-centric creation of integrated IT-based homecare services to support independent living of elderly

    NARCIS (Netherlands)

    Zarifi Eslami, Mohammed

    2013-01-01

    This thesis addresses the problem of supporting independent living of elderly people through IT-based homecare services. Independent living is seen as one way to deal with the consequences of an aging population (especially in industrialized countries), which include rising healthcare expenditures

  1. Global Maps of Lunar Neutron Fluxes from the LEND Instrument

    Science.gov (United States)

    Litvak, M. L.; Mitrofanov, I. G.; Sanin, A.; Malakhov, A.; Boynton, W. V.; Chin, G.; Droege, G.; Evans, L. G.; Garvin, J.; Golovin, D. V.; hide

    2012-01-01

    The latest neutron spectrometer measurements with the Lunar Exploration Neutron Detector (LEND) onboard the Lunar Reconnaissance Orbiter (LRO) are presented. It covers more than 1 year of mapping phase starting on 15 September 2009. In our analyses we have created global maps showing regional variations in the flux of thermal (energy range neutrons (>0.5 MeV), and compared these fluxes to variances in soil elemental composition, and with previous results obtained by the Lunar Prospector Neutron Spectrometer (LPNS). We also processed data from LEND collimated detectors and derived a value for the collimated signal of epithermal neutrons based on the comparative analysis with the LEND omnidirectional detectors. Finally, we have compared our final (after the data reduction) global epithermal neutron map with LPNS data.

  2. 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.

  3. Lunar Exploration Neutron Detector (LEND) for NASA Lunar Reconnaissance Orbiter

    Science.gov (United States)

    Mitrofanov, I. G.; Sagdeev, R. Z.; Boynton, W. V.; Evans, L.; Harshman, K.; Kozyrev, A. S.; Litvak, M. L.; Malakhov, A.; Milikh, G.; Shevchenko, V. V.; Schvetsov, V. N.; Starr, R.; Trombka, J.; Vostrukhin, A.

    2006-12-01

    The Russian-made instrument LEND (Lunar Exploration Neutron Detector) is young brother of another Russian instrument HEND (High Energy Neutron Detector), which continues to perform well in its fifth year of science measurements onboard NASA Mars Odyssey. LEND and HEND have similar types of neutron sensors, and valuable science data from HEND about Martian water resources has proved adequate selection of these sensors for purposes of orbital neutron spectroscopy of the planet. The Lunar Exploration Neutron Detector (LEND) has been selected for NASA Lunar Reconnaissance Orbiter (LRO) mission to provide the global search of hydrogen distribution through 1-2 meters of lunar subsurface from 50 km circular polar orbit of LRO. The most important property of LEND is its capability to provide high spatial resolution mapping of epithermal neutrons with collimated neutron detectors. LEND is able to detect hydrogen-rich spot at a pole with about 100 ppm of hydrogen with spatial resolution of 5 km (Half Width Half Maximum) and to produce global mapping of hydrogen content with resolution of 5-20 km. If hydrogen is associated with water, detection limit of 100 ppm of hydrogen corresponds to ~ 0.1 wt% of water in the regolith. Neutron radiation from the regolith could have as large an impact on astronaut safety as energetic charged particles from Galactic Comic Rays and Solar Particle Events. LEND will have a full set of sensors for thermal, epithermal and high energy neutrons to provide data for neutron component of radiation environment in the broad range of more than 9 decades of energy.

  4. 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.

  5. Bank Lending, Inflation, and China's Stock Market (2004–2010

    Directory of Open Access Journals (Sweden)

    Richard C. K. Burdekin

    2011-01-01

    Full Text Available The 2009 surge in bank lending in China was accompanied by allegations of substantial funds being funneled into the nation's stock and property markets. This paper uses 2004–2010 People's Bank survey data to examine the possible linkages between banking activity and the stock market as well as the associated inflation risks. In general, stock market strength in China seems to be accompanied by rising inflationary concerns, increased bank lending activity, and reduced banker confidence that stable conditions will be maintained. This suggests that the Shanghai market could serve as a useful indicator variable for Chinese monetary policy.

  6. Domain Cell Theory supports the independent evolution of the Eukarya, Bacteria and Archaea and the Nuclear Compartment Commonality hypothesis.

    Science.gov (United States)

    Staley, James T

    2017-06-01

    In 2015, the Royal Society of London held a meeting to discuss the various hypotheses regarding the origin of the Eukarya. Although not all participants supported a hypothesis, the proposals that did fit into two broad categories: one group favoured 'Prokaryotes First' hypotheses and another addressed 'Eukaryotes First' hypotheses. Those who proposed Prokaryotes First hypotheses advocated either a fusion event between a bacterium and an archaeon that produced the first eukaryote or the direct evolution of the Eukarya from the Archaea. The Eukaryotes First proponents posit that the eukaryotes evolved initially and then, by reductive evolution, produced the Bacteria and Archaea. No mention was made of another previously published hypothesis termed the Nuclear Compartment Commonality (NuCom) hypothesis, which proposed the evolution of the Eukarya and Bacteria from nucleated ancestors (Staley 2013 Astrobiol Outreach 1 , 105 (doi:10.4172/2332-2519.1000105)). Evidence from two studies indicates that the nucleated Planctomycetes-Verrucomicrobia-Chlamydia superphylum members are the most ancient Bacteria known (Brochier & Philippe 2002 Nature 417 , 244 (doi:10.1038/417244a); Jun et al. 2010 Proc. Natl Acad. Sci. USA 107 , 133-138 (doi:10.1073/pnas.0913033107)). This review summarizes the evidence for the NuCom hypothesis and discusses how simple the NuCom hypothesis is in explaining eukaryote evolution relative to the other hypotheses. The philosophical importance of simplicity and its relationship to truth in hypotheses such as NuCom and Domain Cell Theory is presented. Domain Cell Theory is also proposed herein, which contends that each of the three cellular lineages of life, the Archaea, Bacteria and Eukarya domains, evolved independently, in support of the NuCom hypothesis. All other proposed hypotheses violate Domain Cell Theory because they posit the evolution of different cellular descendants from ancestral cellular types. © 2017 The Authors.

  7. 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

  8. 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...

  9. 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] ...

  10. Securitization and Lending Standards : Evidence from the Wholesale Loan Market

    NARCIS (Netherlands)

    Kara, A.; Marques-Ibanez, D.; Ongena, S.

    2011-01-01

    We investigate the effect of securitization activity on banks’ lending standards using evidence from pricing behavior on the syndicated loan market. We find that banks more active at originating asset-backed securities are also more aggressive on their loan pricing practices. This suggests that

  11. Banking on Solar: New Opportunities for Lending (Fact Sheet)

    Energy Technology Data Exchange (ETDEWEB)

    2014-08-01

    The U.S. solar industry is a $13.7 billion market with roughly 450,000 systems in place. Bank and credit union lending for solar system deployment represents a valuable new opportunity for lenders to expand their consumer and commercial customer relationships, bring on new relationships and open a new asset class category.

  12. interest rate and commercial banks' lending operations in nigeria

    African Journals Online (AJOL)

    In order to deepen the financial sector, there is the need to improve financial infrastructure which will enhance commercial bank .... Proponents of this theory lean on the supply-lending relationship between growth and .... extending their services and they vary directly with interest rates. These costs include administrative ...

  13. Interest Rates and Lending Behaviour 1984 - 1997 Experience of ...

    African Journals Online (AJOL)

    ... rates and lending behaviour are not as predicted. These contradictory outcomes are explained using the new institutional school. The timing and sequencing of the reform programme is also analyzed to check whether it might have influenced the results. African Journal of Finance and Management Vol.9(1) 2000: 31-42 ...

  14. 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

  15. 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

  16. 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.

  17. 75 FR 58505 - Regulation Z; Truth in Lending

    Science.gov (United States)

    2010-09-24

    ... Federal Home Loan Mortgage Corporation Act, 12 U.S.C. 1454(a)(2), the coverage threshold set forth in... Regulation Z, which implements the Truth in Lending Act (TILA). The proposed rule would implement Section 1461 of the recently enacted Dodd-Frank Wall Street Reform and Consumer Protection Act. Section 1461...

  18. REGIONAL FEATURES OF THE GLOBAL MARKET OF SYNDICATED LENDING

    Directory of Open Access Journals (Sweden)

    Nazar Moroz

    2016-11-01

    Full Text Available The purpose of the paper is to explore and analyze of current market trends in the global market of syndicated lending, characterized its regional structure, identify its specific features and characteristics in different regions of the world and defining the main directions of further development of the global market of syndicated lending. Methodology. The research is based on statistical information from public sources from different countries concerning the development of syndicated loans. Data was also obtained from the websites of leading credit rating agencies, exploring the development of syndicated lending. Also, in the study of the issue, analytical articles on the development of syndicated lending in the world were used. Results. The development of syndicated loan market in recent years is characterized by: rapid growth of the volume and number of transactions; international nature; determining influence the US and Western Europe to market dynamics; active actions of international financial institutions in the developing countries markets; simplification of credit agreements conditions; consolidation of basic parameters of the loan – the total transaction amount and term of the loan. The dynamics of the global market of syndicated lending and its profitability determines the ratio between the leveraged and investment grade loans, which development depends on the overall market situation. Based on the analyzed of main factors it was found that in the short term the market will continue to grow, however quite slowly. Practical implications. Research of the syndicated loan market makes it possible to understand more about the mechanism of functioning of the modern financial sector. In our opinion, special attention should be paid to markets in developing countries which have considerable growth potential. Value /originality. It is first time we have grouped countries due to the main aspects of syndicated lending, such as: the amount of

  19. Reasons in Support of Data Security and Data Security Management as Two Independent Concepts: A New Model.

    Science.gov (United States)

    Moghaddasi, Hamid; Sajjadi, Samad; Kamkarhaghighi, Mehran

    2016-01-01

    Any information which is generated and saved needs to be protected against accidental or intentional losses and manipulations if it is to be used by the intended users in due time. As such, information managers have adopted numerous measures to achieve data security within data storage systems, along with the spread of information technology. The "data security models" presented thus far have unanimously highlighted the significance of data security management. For further clarification, the current study first introduces the "needs and improvement" cycle; the study will then present some independent definitions, together with a support umbrella, in an attempt to shed light on the data security management. Data security focuses on three features or attributes known as integrity, identity of sender(s) and identity of receiver(s). Management in data security follows an endless evolutionary process, to keep up with new developments in information technology and communication. In this process management develops new characteristics with greater capabilities to achieve better data security. The characteristics, continuously increasing in number, with a special focus on control, are as follows: private zone, confidentiality, availability, non-repudiation, possession, accountability, authenticity, authentication and auditability. Data security management steadily progresses, resulting in more sophisticated features. The developments are in line with new developments in information and communication technology and novel advances in intrusion detection systems (IDS). Attention to differences between data security and data security management by international organizations such as the International Standard Organization (ISO), and International Telecommunication Union (ITU) is necessary if information quality is to be enhanced.

  20. Reasons in Support of Data Security and Data Security Management as Two Independent Concepts: A New Model

    Science.gov (United States)

    Moghaddasi, Hamid; Kamkarhaghighi, Mehran

    2016-01-01

    Introduction: Any information which is generated and saved needs to be protected against accidental or intentional losses and manipulations if it is to be used by the intended users in due time. As such, information managers have adopted numerous measures to achieve data security within data storage systems, along with the spread of information technology. Background: The “data security models” presented thus far have unanimously highlighted the significance of data security management. For further clarification, the current study first introduces the “needs and improvement” cycle; the study will then present some independent definitions, together with a support umbrella, in an attempt to shed light on the data security management. Findings: Data security focuses on three features or attributes known as integrity, identity of sender(s) and identity of receiver(s). Management in data security follows an endless evolutionary process, to keep up with new developments in information technology and communication. In this process management develops new characteristics with greater capabilities to achieve better data security. The characteristics, continuously increasing in number, with a special focus on control, are as follows: private zone, confidentiality, availability, non-repudiation, possession, accountability, authenticity, authentication and auditability. Conclusion: Data security management steadily progresses, resulting in more sophisticated features. The developments are in line with new developments in information and communication technology and novel advances in intrusion detection systems (IDS). Attention to differences between data security and data security management by international organizations such as the International Standard Organization (ISO), and International Telecommunication Union (ITU) is necessary if information quality is to be enhanced. PMID:27857823

  1. Evidence in Support of the Independent Channel Model Describing the Sensorimotor Control of Human Stance Using a Humanoid Robot

    Directory of Open Access Journals (Sweden)

    Jantsje H. Pasma

    2018-03-01

    Full Text Available The Independent Channel (IC model is a commonly used linear balance control model in the frequency domain to analyze human balance control using system identification and parameter estimation. The IC model is a rudimentary and noise-free description of balance behavior in the frequency domain, where a stable model representation is not guaranteed. In this study, we conducted firstly time-domain simulations with added noise, and secondly robot experiments by implementing the IC model in a real-world robot (PostuRob II to test the validity and stability of the model in the time domain and for real world situations. Balance behavior of seven healthy participants was measured during upright stance by applying pseudorandom continuous support surface rotations. System identification and parameter estimation were used to describe the balance behavior with the IC model in the frequency domain. The IC model with the estimated parameters from human experiments was implemented in Simulink for computer simulations including noise in the time domain and robot experiments using the humanoid robot PostuRob II. Again, system identification and parameter estimation were used to describe the simulated balance behavior. Time series, Frequency Response Functions, and estimated parameters from human experiments, computer simulations, and robot experiments were compared with each other. The computer simulations showed similar balance behavior and estimated control parameters compared to the human experiments, in the time and frequency domain. Also, the IC model was able to control the humanoid robot by keeping it upright, but showed small differences compared to the human experiments in the time and frequency domain, especially at high frequencies. We conclude that the IC model, a descriptive model in the frequency domain, can imitate human balance behavior also in the time domain, both in computer simulations with added noise and real world situations with a

  2. SSI's independent consequence calculations in support of the regulatory review of the SR-Can safety assessment

    Energy Technology Data Exchange (ETDEWEB)

    Shulan Xu; Dverstorp, Bjoern (Swedish Radiation Protection Authority, Stockholm (Sweden)); Woerman, Anders; Marklund, Lars (Royal Institute of Technology (KTH), Stockholm (SE)); Klos, Richard (Aleksandria Sciences, Sheffield (GB)); Shaw, George (Univ. of Nottingham (GB))

    2008-03-15

    With the publication of the SR-Can report at the end of 2006, Swedish Nuclear Fuel and Waste Management Co (SKB) have presented a complete assessment of long-term safety for a KBS-3 repository. The SR-Can project demonstrates progress in SKB's capabilities in respect of the methodology for assessment of long-term safety in support of a licence application for a final repository. According to SKB's plans, applications to construct a geological repository will be submitted in 2009, supported by post-closure safety assessments. Project CLIMB (Catchment LInked Models of radiological effects in the Biosphere) was instituted in 2004 to provide SSI with an independent modelling capability when reviewing SKB's assessments. Modelling in CLIMB covers all aspects of performance assessment (PA) from nearfield releases to radiological consequences in the surface environment. This review of SR-Can provides the first opportunity to apply the models and to compare the CLIMB approach with developments at SKB. The aim of the independent calculations is to investigate key aspects of the PA models and so to better understand the assessment methodology used by SKB. Independent modelling allows critical review issues to be addressed by the application of alternative models and assumptions. Three reviews are undertaken here: - Reproduction of selected cases from SR-Can in order to demonstrate an adequate understanding of the PA model from details given in the SR-Can documentation. - Alternative conceptualisation of radionuclide transport and accumulation in the surface system. Two modelling approaches have been used: GEMA (the Generic Ecosystem Modelling Approach) is a traditional compartmental model similar to that used by SKB in SR-Can but with additional functionality and flexibility. The second approach takes continuous transport models to investigate contaminant migration through the Quaternary deposits into the surface drainage system. - The final strand of the CLIMB

  3. 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.

  4. Models of sequential decision making in consumer lending

    Directory of Open Access Journals (Sweden)

    Kanshukan Rajaratnam

    2016-11-01

    Full Text Available 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 sequence can be informative about later decisions and can, when coupled with a type of adverse selection, also inform credit risk. We show through two examples how lenders may use such information in setting their offer rates.

  5. Incentive-Based Lending Capacity, Competition and Regulation in Banking

    OpenAIRE

    Chiesa, Gabriella

    2000-01-01

    This paper studies moral hazard in banking due to delegated monitoring in an environment of aggregate risk and examines its implications for credit market equilibrium and regulation, in a model where banks are price competitors for loans and deposits. It provides a rationale for an incentive-based lending capacity positively linked to the bank’s capital and profit margin, for an oligopolistic market structure wherever banks have market power, and for capital requirements. Social-welfare-maxim...

  6. Trends in the Funding and Lending Behaviour of Australian Banks

    OpenAIRE

    Chris Stewart; Benn Robertson; Alexandra Heath

    2013-01-01

    This paper describes the Australian banking system, highlighting ways in which it differs from other major banking systems. It draws together themes from previous work conducted at the Reserve Bank of Australia (RBA), and outlines the role the banking system plays in the transmission of monetary policy and the transformation of risk. The paper also discusses some more recent trends, including the increased focus on deposit funding and potential changes in the determination of lending rates du...

  7. 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...

  8. 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

  9. 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...

  10. 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…

  11. 12 CFR 34.45 - Appraiser independence.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Appraiser independence. 34.45 Section 34.45 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND... appraiser shall be engaged directly by the regulated institution or its agent, and have no direct or...

  12. Rare genomic changes and mitochondrial sequences provide independent support for congruent relationships among the sea spiders (Arthropoda, Pycnogonida).

    Science.gov (United States)

    Masta, Susan E; McCall, Andrew; Longhorn, Stuart J

    2010-10-01

    Pycnogonids, or sea spiders, are an enigmatic group of arthropods. Their unique anatomical features have made them difficult to place within the broader group Arthropoda. Most attempts to classify members of Pycnogonida have focused on utilizing these anatomical features to infer relatedness. Using data from mitochondrial genomes, we show that pycnogonids are placed as derived chelicerates, challenging the hypothesis that they diverged early in arthropod history. Our increased taxon sampling of three new mitochondrial genomes also allows us to infer phylogenetic relatedness among major pycnogonid lineages. Phylogenetic analyses based on all 13 mitochondrial protein-coding genes yield well-resolved relationships among the sea spider lineages. Gene order and tRNA secondary structure characters provide independent lines of evidence for these inferred phylogenetic relationships among pycnogonids, and show a minimal amount of homoplasy. Additionally, rare changes in three tRNA genes unite pycnogonids as a clade; these include changes in anticodon identity in tRNA(Lys) and tRNA(Ser(AGN)) and the shared loss of D-arm sequence in the tRNA(Ala) gene. Using mitochondrial genome changes and tRNA structural changes is especially useful for resolving relationships among the major lineages of sea spiders in light of the fact that there have been multiple independent evolutionary changes in nucleotide strand bias among sea spiders. Such reversed nucleotide biases can mislead phylogeny reconstruction based on sequences, although the use of appropriate methods can overcome these effects. With pycnogonids, we find that applying methods to compensate for strand bias and that using genome-level characters yield congruent phylogenetic signals. Copyright 2010 Elsevier Inc. All rights reserved.

  13. Internalized stigma as an independent risk factor for substance use problems among primary care patients: Rationale and preliminary support.

    Science.gov (United States)

    Kulesza, Magdalena; Watkins, Katherine E; Ober, Allison J; Osilla, Karen C; Ewing, Brett

    2017-11-01

    Little is known about internalized stigma among primary care patients, and whether the presence of internalized stigma is related to the severity of substance use problems independent of substance use-related variables. We sought to examine the relationship between internalized stigma and substance use problems among primary care patients with opioid or alcohol use disorders (OAUDs). We present baseline data from 393 primary care patients who were enrolled in a study of collaborative care for OAUDs. Regression analyses examined the relationship between internalized stigma and substance use problems, controlling for demographics, psychiatric comorbidity, and quantity/frequency of use. The majority of participants reported thinking, at least sometimes, that they "have permanently screwed up" their lives (60%), and felt "ashamed" (60%), and "out of place in the world" (51%) as a result of their opioid or alcohol use. Higher internalized stigma was significantly related to more substance use problems (β=2.68, p<0.01), even after the effects of covariates were accounted for. Stigma added 22%, out of 51% total variance explained, leading to a significant improvement in prediction of substance use problems. Among this group of primary care patients with OAUDs, rates of internalized stigma were comparable to those reported in specialty substance use treatment settings. Consistent with extant specialty care literature, our results suggest that internalized stigma may be a unique contributor that is associated with treatment outcomes, such as substance use problems, among primary care patients with OAUDs. Copyright © 2017 Elsevier B.V. All rights reserved.

  14. Loneliness among the never and formerly married: the importance of supportive friendships and a desire for independence.

    Science.gov (United States)

    Dykstra, P A

    1995-09-01

    Loneliness is an experience that is commonly associated with being old and without a partner. Results from a Dutch sample involving 131 unpartnered men and women between the ages of 65 and 75 indicate that the absence of friendship support rather than being single is an important determinant of loneliness. In accordance with the theory of mental incongruity, relationship standards and perceived opportunities of improving relationships are also shown to be significantly associated with loneliness. Older men and women without a partner are most vulnerable to loneliness when they have a high partner standard or a low singlehood standard, and see few opportunities to change their situation (for example, as a result of experienced health restrictions). A better understanding of loneliness is obtained if not only the quality of relationships is considered, but also the degree of congruity between relationships and relationship standards, and the favorability of perceived opportunities for bringing about improvements.

  15. The status of bank lending to SMES in the Middle East and North Africa region : the results of a joint survey of the Union of Arab Bank and the World Bank

    OpenAIRE

    Rocha, Roberto; Farazi, Subika; Khouri, Rania; Pearce, Douglas

    2011-01-01

    Among the principal constraints for SME lending is the lack of SME transparency, poor credit information from credit registries and bureaus, and weak creditor rights. If constraints can be addressed, lending can potentially reach bank targets of 21 percent. State banks still play an important role in financing SMEs in the MENA region, but they use less sophisticated risk management systems than private banks. On another hand, credit guarantee schemes are a popular form of support to SME finan...

  16. Independent support for leaf homeothermy during carbon uptake and the implications for the interpretation of tree-ring oxygen isotopes

    Science.gov (United States)

    Helliker, B. R.; Baldocchi, D. D.; Desai, A. R.; Goulden, M. L.; Davis, K. J.; Wofsy, S. C.; Munger, J. W.

    2010-12-01

    Tree rings provide an annual record of plant responses to climatic variability and the oxygen isotope ratio of tree-ring cellulose is thought to provide a record of leaf-to-air vapor pressure deficit. We recently developed a method to resolve tree-canopy leaf temperature when most carbon uptake occurs by using the oxygen isotope ratio of tree-ring cellulose and ambient relative humidity. We found a remarkably constant leaf temperature of 21.4 ± 2.2 °C in 39 tree species across 50° of latitude. There are two general mechanisms for this perceived leaf temperature homeostasis: (i) leaf temperature equals ambient air temperature and most photosynthesis occurs when ambient temperatures are near 21 °C. (ii) When carbon assimilation is maximal, the physiological and morphological properties of tree leaves and branches serve to maintain canopy leaf temperatures near 21 °C. To address these questions we calculated a temperature-weighted value for daytime net ecosystem exchange during the growing season for several biomes from published eddy covariance data. The results support the observation of a photosynthesis-weighted temperature near 21 °C determined through our isotope analysis. The results suggest that the controlling mechanism is likely a combination of points (i) and (ii) above. Further, these characteristics of tree ecophysiology must be considered when interpreting evaporative signals contained in tree ring oxygen isotopes- particularly those at high latitudes/altitudes.

  17. In vitro evidence supports the presence of glucokinase-independent glucosensing mechanisms in hypothalamus and hindbrain of rainbow trout.

    Science.gov (United States)

    Otero-Rodiño, Cristina; Velasco, Cristina; Álvarez-Otero, Rosa; López-Patiño, Marcos A; Míguez, Jesús M; Soengas, José L

    2016-06-01

    We previously obtained evidence in rainbow trout for the presence and response to changes in circulating levels of glucose (induced by intraperitoneal hypoglycaemic and hyperglycaemic treatments) of glucosensing mechanisms based on liver X receptor (LXR), mitochondrial production of reactive oxygen species (ROS) leading to increased expression of uncoupling protein 2 (UCP2), and sweet taste receptor in the hypothalamus, and on sodium/glucose co-transporter 1 (SGLT-1) in hindbrain. However, these effects of glucose might be indirect. Therefore, we evaluated the response of parameters related to these glucosensing mechanisms in a first experiment using pooled sections of hypothalamus and hindbrain incubated for 6 h at 15°C in modified Hanks' medium containing 2, 4 or 8 mmol l(-1) d-glucose. The responses observed in some cases were consistent with glucosensing capacity. In a second experiment, pooled sections of hypothalamus and hindbrain were incubated for 6 h at 15°C in modified Hanks' medium with 8 mmol l(-1) d-glucose alone (control) or containing 1 mmol l(-1) phloridzin (SGLT-1 antagonist), 20 µmol l(-1) genipin (UCP2 inhibitor), 1 µmol l(-1) trolox (ROS scavenger), 100 µmol l(-1) bezafibrate (T1R3 inhibitor) and 50 µmol l(-1) geranyl-geranyl pyrophosphate (LXR inhibitor). The response observed in the presence of these specific inhibitors/antagonists further supports the proposal that critical components of the different glucosensing mechanisms are functioning in rainbow trout hypothalamus and hindbrain. © 2016. Published by The Company of Biologists Ltd.

  18. Shaped by the Past: The Default Mode Network Supports Cognition that Is Independent of Immediate Perceptual Input.

    Directory of Open Access Journals (Sweden)

    Mahiko Konishi

    Full Text Available Although many different accounts of the functions of the default mode network (DMN have been proposed, few can adequately account for the spectrum of different cognitive functions that utilize this network. The current study used functional magnetic resonance imaging (fMRI to explore the hypothesis that the role of the DMN in higher order cognition is to allow cognition to be shaped by information from stored representations rather than information in the immediate environment. Using a novel task paradigm, we observed increased BOLD activity in regions of the medial prefrontal cortex and posterior cingulate cortex when individuals made decisions on the location of shapes from the prior trial and decreased BOLD activity when individuals made decisions on the location of shapes on the current trial. These data are inconsistent with views of the DMN as a task-negative system or one that is sensitive only to stimuli with strong personal or emotional ties. Instead the involvement of the DMN when people make decisions about where a shape was, rather than where it is now, supports the hypothesis that the core hubs of the DMN allow cognition to be guided by information other than the immediate perceptual input. We propose that a variety of different forms of higher order thought (such as imagining the future or considering the perspective of another person engage the DMN because these more complex introspective forms of higher order thought all depend on the capacity for cognition to be shaped by representations that are not present in the external environment.

  19. 76 FR 60600 - Proposed Collection; Comment Request for Supplemental Quarterly Report (Small Business Lending...

    Science.gov (United States)

    2011-09-29

    ... requirements for banks participating in the Small Business Lending Fund to report information about the level and type of loans they are making to small businesses on a quarterly basis. DATES: Written comments... (Small Business Lending Fund, SBLF) AGENCY: Office of Domestic Finance, Treasury. [[Page 60601

  20. 12 CFR 723.3 - What are the requirements for construction and development lending?

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false What are the requirements for construction and development lending? 723.3 Section 723.3 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS... development lending? Except as provided in § 723.4 or unless your Regional Director grants a waiver, loans...

  1. 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

  2. 5The effect of funding strategy on the lending patterns of banks in ...

    African Journals Online (AJOL)

    generated funds to diversify into non-interest income-generating activities. 66According to Kashyap et al. (2002), lending involves acquiring costly information about opaque borrowers, and extending credit based on this information. All sectors of the economy are affected by bank lending, since banks serve as a major ...

  3. 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...

  4. 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

  5. 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

  6. 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

  7. Bank lending, macroeconomic conditions and financial uncertainty: Evidence from Malaysia

    Directory of Open Access Journals (Sweden)

    Mansor H. Ibrahim

    2012-07-01

    Full Text Available In this paper, we examine the interrelations between bank lending, macroeconomic conditions and financial uncertainty for an emerging economy, Malaysia. Adopting time series techniques of cointegration, causality and vector autoregressions (VARs, we arrive at the following main results. We note long run positive relations between real output and both real bank credits and real stock prices. However, with slow adjustment of real output in responses to credit expansion or stock price increase and weak exogeneity of the latter two variables, both credits and stock prices can be persistently higher than their fundamental values. The phenomenon can be detrimental since it heightens market uncertainty. Our results suggest that heightened market uncertainty is negatively related to output in the long run and, on the basis of dynamics analysis, it is likely to depress real output, real credit and real stock prices. At the same time, we note significant dynamic impacts of interest rate shocks on other variables. Taken together, these results have important implications for macroeconomic performance and stability for the case of Malaysia.

  8. Government chartered banks step up oil and gas lending

    International Nuclear Information System (INIS)

    Crow, P.

    1994-01-01

    International government chartered banks are playing an increasingly prominent role in lending for world oil and gas development projects. The main players are the World Bank's International Finance Corp. (IFC), European Bank for Reconstruction and Development (EBRD), US Export-Import Bank, and Overseas Private Investment Corp. (OPIC). Those institutions and similar ones are the catalysts for a large number of projects in the former Soviet Union (FSU) and in other nations that are seeking to develop oil and gas resources and build processing plants, pipelines, and distribution networks. Banks also are taking a greater degree of interest in the environmental aspects of projects. In country after country, especially in the developing world, barriers to foreign investment in domestic petroleum sectors are falling. Oil and gas law reforms are under way on each continent. The paper discusses the major players, the World Bank grouped, the Romanian example, the Ex-Im Bank, OPIC, the emphasis on FSU, environmental issues, and new sources of capital in developing countries

  9. Independent Calculations for the SR Can Assessment. External review contribution in support of SKI's and SSI's review of SR-Can

    Energy Technology Data Exchange (ETDEWEB)

    Maul, Philip; Robinson, Peter; Bond, Alex; Benbow, Steven (Quintessa Limited, Henley-on-Thames (GB))

    2008-03-15

    SKB has published the SR-Can assessment of a deep repository for spent fuel at either the Forsmark or Laxemar sites. This is the final assessment prior to a formal regulatory submission. A number of independent calculations have been undertaken in support of SKI's review of SR-Can. The types of calculations are: 1. direct checks of specified SKB calculations; 2. reproduction of SKB computer calculations with independent codes, to ensure that what SKB has done is properly understood, and to check that the calculations are properly documented; and 3. independent calculations to investigate particular aspects of the safety case. The data used by SKB in its Performance Assessment calculations have not been subject to detailed review. The independent calculations provide information on: 1. where independent calculations have been able to provide support for the arguments put forward by SKB; 2. areas where insufficient information has been provided by SKB to enable a third party to reproduce the SR-Can calculations; and 3. areas where calculations lead to questions about the validity of SKB's arguments. The timescale for the production of the present report has been determined by the timescales for SKI's review of the SR-Can assessment. As a result, some of the independent calculations referred to have not been fully documented, and this will be carried out in 2008. The following conclusions have been drawn. 1. SKB has worked hard to respond to criticisms of previous performance assessments, and SR-Can is an impressive piece of work. 2. In several areas either insufficient or inconsistent information has been presented so that a full reproduction of SKB's calculations has not been possible. This is an important area where SKB will need to improve the presentation of its assessment for SR-Site. 3. There are several areas where SKB's description of post-closure repository evolution needs to be further reviewed. Overall SKB have given only limited

  10. Effects of body weight-support treadmill training on postural sway and gait independence in patients with chronic spinal cord injury.

    Science.gov (United States)

    Covarrubias-Escudero, Felipe; Rivera-Lillo, Gonzalo; Torres-Castro, Rodrigo; Varas-Díaz, Gonzalo

    2017-10-23

    To examine the effects of a six-week body weight-support treadmill training (BWSTT) program on center-of-mass control and gait independence in chronic, incomplete spinal cord injury (iSCI) patients. Descriptive. Clinica Los Coihues. Neurorehabilitation center in Santiago, Chile. 17 chronic iSCI patients and 17 healthy subjects. An instrumented sway (ISway) test was performed before and after the implementation of a six-week BWSTT program. The standing balance of participants was measured by Normalized jerk (NJ) and root mean square (RMS). These values were used to assess the standing balance of participants, and were correlated with the scores obtained on the Walking Index Spinal Cord Injury (WISCI) II test. Significant differences were found in standing balance (i.e., through NJ) after the BWSTT program (P = 0.016), but no significant differences were found in RMS values for postural sway (P = 0.693). None of the patients obtained improved WISCI II scores pre- vs. post-intervention. While a BWSTT program can improve center-of-mass control in iSCI patients, no effects were recorded for gait independence. National Clinical Trials, registry number NCT02703883.

  11. Gut-associated lymphoid tissue contains the molecular machinery to support T-cell-dependent and T-cell-independent class switch recombination.

    Science.gov (United States)

    Barone, F; Patel, P; Sanderson, J D; Spencer, J

    2009-11-01

    A PRoliferation-Inducing Ligand (APRIL) is a secreted cytokine member of the tumor necrosis factor family. It is a B-cell survival factor that also induces class switch recombination (CSR) toward immunoglobulin A (IgA), independent of T cells. It is therefore an important contributor to the maintenance of the mucosal immunological barrier, which has been linked to a putative extrafollicular inductive phase of the IgA response in lamina propria. By immunohistochemistry (IHC) and quantitative real-time PCR (qRT-PCR) on microdissected tissue from normal human gut, we observed APRIL expression, together with TACI (transmembrane activator and CAML interactor) and BCMA (B-cell maturation antigen), in gut-associated lymphoid tissue (GALT), lamina propria, and in the epithelium of stomach, small and large intestine, and rectum. However, no activation-induced cytidine deaminase (AID) expression (an absolute requirement for class switching) was detected in lamina propria by IHC or qRT-PCR. APRIL and its receptors were only observed alongside AID in GALT, showing that GALT contains the apparatus to support both T-independent and T-dependent routes to IgA CSR.

  12. The reaction of bank lending to monetary policy in Brazil

    Directory of Open Access Journals (Sweden)

    Tony Takeda

    2005-03-01

    Full Text Available This paper evaluates the relevance of the "bank lending channel'' of monetary policy transmission in Brazil. Disaggregated monthly data of the Brazilian banks balance sheets from December 1994 to December 2001 are analyzed. In addition to the short-term interest rate, we consider the effects of another monetary policy instrument frequently used in Brazil, represented by reserve requirements on overall banks deposits - demand, savings, and time deposits. Dynamic panel data techniques are employed. Our results suggest that the impact of reserve requirements is relevant and stronger for larger banks loans. This finding results from the progressive reserve rates required from banks, which affect to a greater extent banks with larger deposit volumes.Este artigo avalia o canal de empréstimos bancários na transmissão da política monetária. A análise foca os dados mensais desagregados do balanço patrimonial dos bancos comerciais brasileiros de dezembro de 1994 a dezembro de 2001. Em adição à taxa básica de juros de curto prazo, este estudo considera também os efeitos de um outro instrumento de política monetária usado freqüentemente no Brasil, representado pelos recolhimentos compulsórios sobre os depósitos à vista, de poupança e a prazo. A partir de técnicas de análise de dados em painel dinâmico, os resultados dos testes sugerem que o impacto dos compulsórios é relevante e é mais forte sobre os empréstimos dos grandes bancos, conclusão que decorre de recolhimentos compulsórios de caráter progressivo, que afetam mais fortemente os bancos com maiores volumes de depósitos.

  13. The Design of New Technology Supporting Wellbeing, Independence and Social Participation, for Older Adults Domiciled in Residential Homes and/or Assisted Living Communities

    Directory of Open Access Journals (Sweden)

    Joan Cahill

    2018-01-01

    Full Text Available Purpose: The purpose of this study is to identify and validate the requirements for new technology supporting wellness, independence and social participation for older people domiciled in residential homes and/or assisted-living communities. Method: This research adopts a stakeholder evaluation approach to requirements elicitation and user interface design. Specifically, the study design combines several qualitative human–machine interaction (HMI design frameworks/methods, including realist ethnography, scenario-based design, persona-based design, and participatory design. Findings: New technology should reflect positive values around ageing and link to psychosocial models of successful ageing, and biopsychosocial models of health and wellbeing. Resident autonomy, wellness and social participation cannot be conceptualized outside an understanding of the relationships older adults have with others. The design remit for this technology is to enable a resident experience that is similar to living at home. New technologies should facilitate wellness and communication/connection, and not simply risk assessment. New technology provides an opportunity to bridge existing information gaps between care planning, care assessments and daily care. Overall this technology needs to be intuitive and uphold the resident’s dignity and rights. Person-to-person interaction is central to care delivery. The introduction of new technology should enhance this interaction, and not threaten it. Conclusions: Future assisted-living (AL technology should be premised by biopsychosocial models of wellness and support relationships between older adults and members of the personal and professional community. New assisted-living technology affords the possibility for improved social relationships, enhanced wellbeing, better quality of care, and independence. Such technologies require careful consideration in relation to adapting to age/condition and managing issues

  14. The sense of self is supported by several independent cognitive processes in Alzheimer's disease and self-reported age tracks cognitive impairment.

    Science.gov (United States)

    Nizzi, Marie-Christine; Belin, Catherine; Maillet, Didier; Moroni, Christine

    2016-09-01

    Do patients with Alzheimer's disease loose themselves? The impact of dementia on the sense of self has been extensively studied over the past 15 years. However, most studies investigate only one marker of the self - such as mirror self-recognition or the use of the pronoun "I" - and do not track how this marker evolves in the course of the illness in comparison to other markers. This situation has resulted in fragmented findings rather than converging evidence for a coherent model of the self in dementia. In our two studies, we use a questionnaire to investigate four markers of the self simultaneously (self-knowledge, mirror self-recognition, the bodily distinction between self and other, and self-reported age) in the same 60 patients spread across three stages of Alzheimer's disease. This method allows us to determine whether these markers are impaired independently over the progression of the illness. Our results suggest that the sense of self relies on a complex structure supported by several independent cognitive processes that are impacted differently by the progression of dementia. In particular, despite the early deterioration of self-knowledge, patients at advanced stages of the disease seem to maintain a sense of self, rooted into mirror self-recognition and the bodily self. Furthermore, self-reported age predicts the level of cognitive impairment. We suggest that a better understanding of the stage at which each marker of the self breaks down can help clinicians support their patients better by targeting the preserved dimensions of their identity at any given point in the progression of their condition.

  15. SuperTRI: A new approach based on branch support analyses of multiple independent data sets for assessing reliability of phylogenetic inferences.

    Science.gov (United States)

    Ropiquet, Anne; Li, Blaise; Hassanin, Alexandre

    2009-09-01

    Supermatrix and supertree are two methods for constructing a phylogenetic tree by using multiple data sets. However, these methods are not a panacea, as conflicting signals between data sets can lead to misinterpret the evolutionary history of taxa. In particular, the supermatrix approach is expected to be misleading if the species-tree signal is not dominant after the combination of the data sets. Moreover, most current supertree methods suffer from two limitations: (i) they ignore or misinterpret secondary (non-dominant) phylogenetic signals of the different data sets; and (ii) the logical basis of node robustness measures is unclear. To overcome these limitations, we propose a new approach, called SuperTRI, which is based on the branch support analyses of the independent data sets, and where the reliability of the nodes is assessed using three measures: the supertree Bootstrap percentage and two other values calculated from the separate analyses: the mean branch support (mean Bootstrap percentage or mean posterior probability) and the reproducibility index. The SuperTRI approach is tested on a data matrix including seven genes for 82 taxa of the family Bovidae (Mammalia, Ruminantia), and the results are compared to those found with the supermatrix approach. The phylogenetic analyses of the supermatrix and independent data sets were done using four methods of tree reconstruction: Bayesian inference, maximum likelihood, and unweighted and weighted maximum parsimony. The results indicate, firstly, that the SuperTRI approach shows less sensitivity to the four phylogenetic methods, secondly, that it is more accurate to interpret the relationships among taxa, and thirdly, that interesting conclusions on introgression and radiation can be drawn from the comparisons between SuperTRI and supermatrix analyses.

  16. Depressive and anxiety symptoms and social support are independently associated with disease-specific quality of life in Colombian patients with rheumatoid arthritis.

    Science.gov (United States)

    Rogers, Heather L; Brotherton, Hardin T; Olivera Plaza, Silvia Leonor; Segura Durán, María Angélica; Peña Altamar, Marvín Leonel

    2015-01-01

    To examine the relationship between disease-specific Quality of Life (QOL) and socio-demographic, medical, and psychosocial factors in Colombian patients with Rheumatoid Arthritis (RA). One hundred and three RA patients recruited from ambulatory centers in Neiva, Colombia were administered the Disease Activity Scale 28 (DAS-28), QOL-RA, Zung Self-Rating Depression Scale, State-Trait Anxiety Inventory (STAI), Interpersonal Support Evaluation List-12 (ISEL-12), and Symptom Checklist-90 Revised (SCL-90R). Lower QOL-RA was associated with lower socio-economic status (SES; r=0.26, p<0.01), higher likelihood of using opioids (t=-2.51, p<0.05), higher likelihood of comorbid pulmonary disease (t=-2.22, p<0.05), and lower ISEL-12 sub-scales (r's=0.41-0.31, p's<0.001). Lower QOL-RA was associated with higher DAS-28 (r=-0.28, p<0.01), Visual Analog Scale (VAS; r=-0.35, p<0.001), Zung Depression (r=-0.72, p <0.001), STAI-State (r=-0.66, p<0.001), STAI-Trait (r=-0.70, p<0.001), SCL-90R Global Severity Index (r=-0.50, p<0.001), SCL-90R Positive Symptom Total (r=-0.57, p<0.001), and all SCL-90R sub-scales (r's=-0.54--0.21, p's<0.01). A multivariate linear regression model indicated that SES (B=2.77, p<0.05), Zung Depression (B=-0.53, p<0.001), STAI-State (B=-0.26, p<0.05), and ISEL-12 Belonging (B=1.15, p<0.01) were independently associated with QOL-RA, controlling for significant associations. More depressive and anxiety symptoms were independently associated with lower disease-specific QOL, while higher perceptions of having people to do activities with (belonging social support) and higher SES were independently associated with higher disease-specific QOL. Psychosocial factors impact QOL in RA above and beyond disease activity. Additional research into the benefits of psychosocial assessment of RA patients and provision of comprehensive care to improve QOL is warranted. Copyright © 2015 Elsevier Editora Ltda. All rights reserved.

  17. 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.

  18. 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...

  19. 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...

  20. Topographically Induced Thermal Effects on Lunar Hydrogen Distributions: Correlated Observations from the LRO LEND and LOLA Instruments

    Science.gov (United States)

    McClanahan, T. P.; Mitrofanov, I. G.; Boynton, W. V.; Chin, G.; Droege, G.; Evans L. G.; Garvin, J.; Harshman, K.; Litvak, M. L.; Malakhov, A.; hide

    2012-01-01

    The question of whether water exists on the Moon's surface has long been an enigma to Lunar researchers. Largely, this was due to the thermally extreme lunar surface environment that would seem to preclude any long term maintenance, manufacture, transport or accumulation of hydrogen (H) volatiles over most of the lunar surface. As a result, for many years the cold permanent shadow regions (PSR) in the bottoms of craters near the lunar poles appeared to provide the basic conditions at least for maintenance of lunar hydrogen. Importantly, recent discoveries indicate that there is some hydrogen at the poles. However, the picture of the lunar hydrogen budget may be more complex than the PSR hypothesis has suggested. This evidence comes from observations by the Lunar Exploration Neutron Detector (LEND) onboard the Lunar Reconnaissance Orbiter (LRO) that inclici1te 1) some H concentrations lie outside PSR and 2) though a few of the larger PSR's have high hydrogen, PSR does not appear to be an independent factor influencing the large-scale suppression of polar epithermals observed by LEND and the Lunar Prospector Neutron Spectrometer. In this research we investigate the possibility that the thermal contrast between pole-facing and equator facing-slopes is a factor influencing the surface distributions of lunar H. We perform this bulk correlated observation and study by developing a thermal proxy from slope data of the Lunar Orbiting Laser Altimeter (LOLA) digital elevation model (DEM) which is registered with the collimated LEND epithermal map. From the LOLA transforms we impose a thermal functional decomposition and systematic statistical analysis of the LEND epithermal map. Our hypothesis testing suggests in most high latitude bands studied> +/- 45 deg: Epithermal rates in pole-facing slopes are significantly lower than epithermal rates in equivalent equator-facing slopes. As a control study, we find that there is no statistically significant difference between

  1. 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

  2. 78 FR 23171 - Amendments to the 2013 Escrows Final Rule Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-04-18

    ...' exposure to collateral- based lending, potentially harmful prepayment penalties and other harms. The price... Amendments to the 2013 Escrows Final Rule Under the Truth in Lending Act (Regulation Z) AGENCY: Bureau of... Requirements Under the Truth in Lending Act (Regulation Z) (2013 Escrows Final Rule),\\1\\ issued on January 10...

  3. Independent technical support for the frozen soil barrier installation and operation at the Fukushima Daiichi Nuclear Power Station (F1 Site)

    Energy Technology Data Exchange (ETDEWEB)

    Looney, Brian B. [Savannah River Site (SRS), Aiken, SC (United States). Savannah River National Lab. (SRNL); Jackson, Dennis G. [Savannah River Site (SRS), Aiken, SC (United States). Savannah River National Lab. (SRNL); Truex, Michael J. [Pacific Northwest National Lab. (PNNL), Richland, WA (United States); Johnson, Christian D. [Pacific Northwest National Lab. (PNNL), Richland, WA (United States)

    2015-02-23

    TEPCO is implementing a number of water countermeasures to limit the releases and impacts of contaminated water to the surrounding environment. The diverse countermeasures work together in an integrated manner to provide different types, and several levels, of protection. In general, the strategy represents a comprehensive example of a “defense in depth” concept that is used for nuclear facilities around the world. One of the key countermeasures is a frozen soil barrier encircling the damaged reactor facilities. The frozen barrier is intended to limit the flow of water into the area and provide TEPCO the ability to reduce the amount of contaminated water that requires treatment and storage. The National Laboratory team supports the selection of artificial ground freezing and the incorporation of the frozen soil barrier in the contaminated water countermeasures -- the technical characteristics of a frozen barrier are relatively well suited to the Fukushima-specific conditions and the need for inflow reduction. Further, our independent review generally supports the TEPCO/Kajima design, installation strategy and operation plan.

  4. ANALYSIS OF MORTGAGE LENDING IN BANKS IN UKRAINE

    Directory of Open Access Journals (Sweden)

    Violetta Kharabara

    2017-11-01

    Full Text Available The purpose is a mortgage market that occupies one of the major places among the financial mechanisms of economic stimulation and stable development of the economy. The mortgage market occupies one of the main places of financial mechanisms and economic incentives for the sustainable economic development. Mortgage lending covers the provision of long-term bank loans for the purchase, construction of residential real estate, as well as for repairs or to develop their own small businesses, where the collateral for such loans is real estate. Distinctive features of mortgages include: mortgages, like any collateral, in fact, is a way to ensure proper implementation of the other (main liabilities – loan or credit agreement, lease, contract, compensation, etc.; the subject of a mortgage is always real estate. Real estate includes land plots and everything that is firmly associated with them: buildings, perennial plants, etc.; mortgaged property remains in the possession of the debtor; the agreement between the creditor and the debtor on the establishment of a mortgage is formalized by a special document – the mortgage, which is also subject to state registration. The mortgage crediting is the method of accumulation of financial resources, effective instrument of bank activity, and an important factor in economic development of the country on the whole. Research results are market of the real estate and financial services development, to the revival of fund market, here the mortgage crediting is capable not only of activating reforms in industries of the economy but also gradually providing the decision of housing problems of the population. Practical consequences consist in the solution of problems that are related to the market for mortgage services of Ukraine’s development from 2006 to 2016. Value/originality. Analysis of the mortgage market in Ukraine shows that in recent years, its scope, dynamics, and trends do not meet the needs of either

  5. Military-Economic Role of "Lend-Lease" for the Soviet Union

    Directory of Open Access Journals (Sweden)

    Popov Grigory G.

    2016-03-01

    Full Text Available The paper contributes to the empirical analysis of the military-economic significance of Allied supplies to the Soviet Union through the "lend-lease". The author gives the description associated with the process of the formation of "lend-lease" for Soviet-American relations. The article describes the technical implementation of the program "lend-lease" at the initial stage of the great Patriotic war. For the first time in the domestic economic historiography author carries out the brief analysis of the scope of supplies of American products to the Soviet Union outside the program "lend-lease". For the first time also author analyzes the value of deliveries of military goods from the Western countries to the USSR on the base of valuation of Soviet military production in 1941 and 1942 on the basis of the actual exchange rate of Ruble to Dollar.

  6. SALES MANAGEMENT SYSTEM FOR ADDITIONAL SERVICES ON THE RETAIL LENDING MARKET

    Directory of Open Access Journals (Sweden)

    Sergey A. Krasko

    2013-01-01

    Full Text Available The article presents the main issues of design sales management system for additional services on the retail lending market. Attention is concentrated on developing effective system architecture and conceptual provisions of the development.

  7. Gendered Lending Practices: Enabling South African Women Entrepreneurs to Access Start-Up Capital

    OpenAIRE

    Evelyn Derera; Pepukayi Chitakunye; Charles O'Neill; Amandeep Tarkhar-Lail

    2014-01-01

    This study explores gendered lending and marketing practices of start-up capital to women entrepreneurs in South Africa. A multi-method research design, comprising of 6 in-depth interviews with experts, and a survey of 50 women entrepreneurs was adopted using convenience and snowball sampling techniques, respectively. The findings revealed that women entrepreneurs are experiencing gendered discriminatory practices embedded in lending practices used by financial institutions, thereby discourag...

  8. Lending Groups and Different Social Capitals in Developed and Developing Countries

    OpenAIRE

    Marconatto, Diego A. B.; Barin-Cruz, Luciano; Pedrozo, Eugenio

    2016-01-01

    Abstract 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 soci...

  9. 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.

  10. Incorporating life course theory and social determinants of health into the LEND curriculum.

    Science.gov (United States)

    Edwards, Karen; Towle, Patricia O; Levitz, Barbara

    2014-02-01

    The goal of this paper is to describe strategies for revising LEND curricula to incorporate a stronger focus on life course theory and social determinants of health (LCT/SDOH). The Maternal and Child Health Bureau (MCHB) includes a central focus on LCT/SDOH and states that a goal of Maternal and Child Health (MCH) training is to "Prepare and empower MCH leaders to promote health equity…and reduce disparities in health and health care." Two LEND programs engaged in a comprehensive process to strengthen LCT/SDOH in their curricula that included choosing content and themes and developing instructional strategies congruent with MCH Leadership Competencies and with the learning needs of LEND trainees. We describe: key elements of LCT/SDOH; the relationship of these to children with disabilities and to the MCH Leadership Competencies; LCT/SDOH resources for the LEND curriculum; a collaborative curriculum revision process for faculty; and LCT/SDOH content and themes for the LEND Curriculum and strategies for incorporating them. We present the results of our work in a format that may be used by other LEND programs undertaking curriculum revision to incorporate LCT/SDOH.

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

    Science.gov (United States)

    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. PMID:29590131

  12. 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.

  13. 78 FR 25818 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2013-05-03

    ... consider, for example, the consumer's independent ability to pay. Finally, several industry commenters... which the consumer has a reasonable expectation of access, but instead may consider, for example, the... card issuer considers the consumer's ability to make the required payments under the terms of such...

  14. Historical Painting and Portraits of Independence Heroes in Colombia during the Nineteenth Century: Lack of Public Support and Importance of Private Initiatives

    Directory of Open Access Journals (Sweden)

    Santiago Robledo Páez

    2018-01-01

    Full Text Available In this article we study historical painting and portraits of founding fathers and independence heroes produced in Colombia during the 19th century. These paintings have usually been analyzed from iconographic and iconological perspectives; however, they are presented here as cultural objects that undergo specific production, diffusion, reception and appropriation processes. To shine some light on these topics, we examined different document collections from the General Archive of the Nation (Colombia and the Historical Archive of the National Museum (Colombia, as well as the press and legislation of the time. It was found that the minimal state support of pictorial production would have discouraged the elaboration of historical paintings in Colombia. We discovered that although portrait painting was occasionally encouraged by the Government throughout the 19th century, most of the portraits were the result of private initiatives. This situation, however, didn’t prevent their exhibition in public spaces and an increase in their circulation. In conclusion, the absence of wide ranging projects for an official production of that type of paintings leads us to relativize the role of representation in the creation of Colombia’s national narrative, particularly in the National Museum.

  15. Independent Directors

    DEFF Research Database (Denmark)

    Ringe, Wolf-Georg

    2013-01-01

    about board independence in Western jurisdictions, a surprising disharmony prevails about the justification, extent and purpose of independence requirements. These considerations lead me to question the benefits of the current system. Instead, this paper proposes a new, ‘functional’ concept of board...

  16. Risks of lending to small enterprises in the Republic of Serbia

    Directory of Open Access Journals (Sweden)

    Ranisavljević Duško

    2015-01-01

    Full Text Available Bearing in mind the major risks of lending to small enterprises and entrepreneurs in Serbia, this paper analyzes this problem and presents the concrete activities that commercial banks should undertake to mitigate these risks. After analyzing the business environment in Serbia and the current lending practice, we have concluded that in the process of approving loan applications, without exception, the following analyses and activities need to be undertaken: verification of the client's status, financial analysis of the entrepreneurial business, analysis of the entrepreneur's business operations, assessment of how regularly the entrepreneur settles his liabilities, analysis of risks entailed by the bank's offer (i.e. the set of products, evaluation of loan collaterals, currency risk of lending to the business, and risks of lending to a start-up entrepreneurial business. Similar studies were conducted in the United States, yet this particular analysis focuses on the needs and practices of the banking sector in Serbia, with the aim of suggesting to commercial banks to implement the above stated activities and analyses persistently and comprehensively, putting them ahead of accelerated lending procedures, acquisitions and sound, short-term business results.

  17. American = Independent?

    Science.gov (United States)

    Markus, Hazel Rose

    2017-09-01

    U.S. American cultures and psyches reflect and promote independence. Devos and Banaji (2005) asked, does American equal White? This article asks, does American equal independent? The answer is that when compared to people in East Asian or South Asian contexts, people in American contexts tend to show an independent psychological signature-a sense of self as individual, separate, influencing others and the world, free from influence, and equal to, if not better than, others (Markus & Conner, 2013). Independence is a reasonable description of the selves of people in the White, middle-class American mainstream. Yet it is a less good characterization of the selves of the majority of Americans who are working-class and/or people of color. A cultural psychological approach reveals that much of North American psychology is still grounded in an independent model of the self and, as such, neglects social contexts and the psychologies of a majority of Americans. Given the prominence of independence in American ideas and institutions, the interdependent tendencies that arise from intersections of national culture with social class, race, and ethnicity go unrecognized and are often misunderstood and stigmatized. This unseen clash of independence and interdependence is a significant factor in many challenges, including those of education, employment, health, immigration, criminal justice, and political polarization.

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

    Directory of Open Access Journals (Sweden)

    Qinwei Chi

    2017-03-01

    Full Text Available 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.

  19. Insolation Effects on the Lunar Hydrogen Budget: Correlated Observations of the Lunar Reconnaissance Orbiter's LEND, LOLA and Diviner Instruments

    Science.gov (United States)

    McClanahan, T. P.; Mitrofanov, I.; Boynton, W. V.; Litvak, M.; Milikh, G. M.; Evans, L. G.; Starr, R. D.; Livengood, T. A.; Chin, G.; Harshman, K.; Droege, G.

    2012-12-01

    In this research we correlate the Lunar Reconnaissance Orbiter's (LRO), Diviner radiometer temperature maps that characterize the Moon's thermal environment with maps derived from the Lunar Exploration Neutron Detector (LEND) and Lunar Orbiting Laser Altimeter (LOLA). In previous research, we found evidence that the Moon's Hydrogen budget was broadly influenced by insolation effects. In that analysis we implemented a transformation of LOLA's topography maps, thereby isolating poleward-facing and equator-facing slopes. We then integrated the LEND epithermal neutron maps over these regions and found that the epithermal neutron count rates were significantly lower in poleward-facing slopes vs. equivalent equator-facing slopes, yielding a localized "epithermal contrast". This result suggests higher H / H2O concentrations in poleward-facing slopes vs. comparable equator-facing slopes. It is also consistent with findings in terrestrial and Martian environments indicating similar H / H2O slope contrasts. In support of that finding we determined that the epithermal neutron rates over east and west-facing slopes were as predicted equivalent. The above effects were also similar for both North and South Poles. Together, this support indicated surface insolation is an important factor governing the Moon's Hydrogen budget. Temperature effects of insolation are primarily a function of a cosine process a = i cos Θ, which predicts the effective solar irradiation a, incident to a given surface as a function of its angular orientation Θ, to the source solar irradiation, i. Θ is locally a function of several variables including combined: seasonal, diurnal, topographic, latitude and regolith compositional effects which induces locally dependent and time variable temperature conditions. The Moons low obliquity and increased latitude predictably attenuate solar irradiation, which is well correlated with decreased near-surface temperatures towards the poles. Importantly, topographic

  20. COLLATERAL IN SMES’ LENDING: BANKS’ REQUIREMENTS VS CUSTOMERS’ EXPECTATIONS

    OpenAIRE

    Daniel BADULESCU

    2011-01-01

    SMEs’ support and importance in developing economies should not be only declarative. Searching for funding, managers encounter various obstacles arising from information asymmetry, lack of experience, severe market conditions, and insufficient or unsatisfactory collaterals for banks (OECD 2006; Badulescu and Badulescu 2010; OECD 2000 and 2004; Lin and Sun 2006; Toivanen and Cresy, 2000). The collateral issue is extensively discussed in literature – preventing moral hazard, the alignment the i...

  1. 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...

  2. The evolution of environmental concerns in economywide policies and adjustment lending: Experience from the energy sector

    Energy Technology Data Exchange (ETDEWEB)

    Hansen, Stein

    1993-07-01

    In this report, following a brief overview of some generic issues and empirical evidence relating to the linkages between economic growth, energy use and environmental impacts, a review of energy sector adjustment lending activities in developing and Eastern European countries is carried out. Following that a more specific discussion of the direct and indirect environmental impacts of these policies is presented, both in general terms, but also illustrated by means of how specific energy project packages are being designed in response to the said policy changes. Perhaps the most significant role of such policy reforms is that it impacts economywide on all economic activities; both the decisions regarding input substitution and output focus of existing plants and services, as well as the decisions regarding choice of technology, design and location of new investments in all sectors of the economy. It can be concluded from the reviewed studies that getting the prices right helps the environment, but it is not enough. It undoubtedly helps the environment to correct for market failures and have prices reflect the full resource costs, because it lessens the incentive to exploit resources wastefully. This is comforting because it suggests that what has been advocated for a long time on pure efficiency grounds irrespective to environmental management reasons. What has been missing, however, is a full acknowledgement of the crucial role of supportive institutional reforms and administrative strengthening required to actually succeed with the economic reforms. Examples will be presented on how such reforms can contribute to facilitate the adjustment process by simultaneously improving allocative efficiency and generating desperately needed public revenue.

  3. The evolution of environmental concerns in economywide policies and adjustment lending: Experience from the energy sector

    International Nuclear Information System (INIS)

    Hansen, Stein

    1993-01-01

    In this report, following a brief overview of some generic issues and empirical evidence relating to the linkages between economic growth, energy use and environmental impacts, a review of energy sector adjustment lending activities in developing and Eastern European countries is carried out. Following that a more specific discussion of the direct and indirect environmental impacts of these policies is presented, both in general terms, but also illustrated by means of how specific energy project packages are being designed in response to the said policy changes. Perhaps the most significant role of such policy reforms is that it impacts economywide on all economic activities; both the decisions regarding input substitution and output focus of existing plants and services, as well as the decisions regarding choice of technology, design and location of new investments in all sectors of the economy. It can be concluded from the reviewed studies that getting the prices right helps the environment, but it is not enough. It undoubtedly helps the environment to correct for market failures and have prices reflect the full resource costs, because it lessens the incentive to exploit resources wastefully. This is comforting because it suggests that what has been advocated for a long time on pure efficiency grounds irrespective to environmental management reasons. What has been missing, however, is a full acknowledgement of the crucial role of supportive institutional reforms and administrative strengthening required to actually succeed with the economic reforms. Examples will be presented on how such reforms can contribute to facilitate the adjustment process by simultaneously improving allocative efficiency and generating desperately needed public revenue

  4. LENDING PROJECT IMPACT ON AGRICULTURAL INDIVIDUAL SECTOR DEVELOPMENT IN MOLDOVA

    Directory of Open Access Journals (Sweden)

    Aurelia LITVIN

    2014-04-01

    Full Text Available Economic development within rural areas of the Republic of Moldova is affected by multiple issues which cross the agricultural individual sector development. One of the main factors that would influence positively the development of agriculture is investment. Investment plays an important role on the country's economy, representing the material support of its economic and social development. It ensures the permanent capital increase, advances the technical and economic efficiency of existing ones and creates new places of employment. In this context, investment is the decisive element of economic growth, of the intensive, qualitative and effective factors promotion.

  5. Financial incentives research and lending market impact analysis

    Energy Technology Data Exchange (ETDEWEB)

    Smith, R.F.; Bryant, P.S.; Cour, E.E.; Kouchoukos, P.C.

    1977-11-01

    The U.S. Energy Research and Development Administration has been authorized by recent legislation to enter into loan guaranty and interest assistance agreements related to specific energy programs. These loan guaranty programs are designed to encourage the private sector to participate in the development of alternative energy sources and the conservation of energy. Two programs are currently authorized: one dealing with geothermal energy; the other dealing with electric and hybrid vehicles. A third program currently under consideration by the Congress addresses the conversion of organic waste products into alternative fuels. An introductory overview provides a brief summary of: energy legislation, ERDA loan guaranty programs, basis of and purpose for the investigation, and scope. Subsequent sections of this report address related background information; methodology employed; data collection and analysis of the information obtained; and specific recommendations based upon the results of the analysis. Supporting information and reference data are included as appendices. (MCW)

  6. On the suitability of group lending model in South Sudan's small and ...

    African Journals Online (AJOL)

    The success of this mode of SME funding in selected jurisdictions, namely Angola, Bangladesh, Bolivia, Burundi, and Colombia underscores such a position. The socio-economic, legal and political environment of the three jurisdictions studied in this paper where group lending has been successful closely mirror that of ...

  7. 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...

  8. 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...

  9. 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...

  10. 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.

  11. 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

  12. The Impact of Organizational Structure and Lending Technology on Banking Competition

    NARCIS (Netherlands)

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

    2007-01-01

    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

  13. 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

  14. 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

  15. 12 CFR Appendix C to Part 30 - OCC Guidelines Establishing Standards for Residential Mortgage Lending Practices

    Science.gov (United States)

    2010-01-01

    ... the early years of the loan, particularly in subprime loans. 5. Interest rate increases upon default... Lending Standards A. Avoidance of Particular Loan Terms, Conditions, and Features B. Prudent Consideration of Certain Loan Terms, Conditions and Features C. Enhanced Care To Avoid Abusive Loan Terms...

  16. Social Capital and the Repayment of Microfinance Group Lending. A Case Study of Pro Mujer Mexico

    NARCIS (Netherlands)

    Postelnicu, Luminita; Hermes, Niels

    2015-01-01

    This paper investigates how social networks of group borrowers come into play in joint liability group lending. We use a large and original dataset containing 802 mapped social networks of borrowers from Pro Mujer Mexico. This is the first paper to look at external ties, i.e. social ties with

  17. The effect of funding strategy on the lending patterns of banks in ...

    African Journals Online (AJOL)

    We employ a panel dataset of banks from 2005 to 2011, to analyse the impact of funding sources on three sets of lending patterns employed by banks: Primary, secondary and tertiary economic sectors. The result shows that banks in Ghana use internally generated funds to finance loans to the primary and secondary ...

  18. 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...

  19. 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

  20. 12 CFR Appendix A to Subpart D of... - Interagency Guidelines for Real Estate Lending

    Science.gov (United States)

    2010-01-01

    ... policy and set limits for real estate loans by type and geographic market (e.g., limits on higher risk... procedures, including documentation, disbursement, collateral inspection, collection, and loan review... expertise and size of the lending staff. • The need to avoid undue concentrations of risk. • Compliance with...

  1. 76 FR 53362 - Approval of Farm Credit System Lending Institutions in FHA Mortgage Insurance Programs

    Science.gov (United States)

    2011-08-26

    ... marketing activities, and to farm-related businesses. The Farm Credit banks collectively issue debt securities in the national and international money markets through the Federal Farm Credit Banks Funding...-AI91 Approval of Farm Credit System Lending Institutions in FHA Mortgage Insurance Programs AGENCY...

  2. 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... Market Broker-Dealers (SISMBD Loan Program) § 120.1900 When does the Secondary Market Lending Authority Program end? The last date on which a loan under this program can be approved is February 16, 2011, unless...

  3. A History of Toy Lending Libraries in the United States Since 1935.

    Science.gov (United States)

    Moore, Julia E.

    This paper traces the history of the toy library, a facility or program created to loan toys to children, parents, child care providers, teachers, and play therapists. Types of toy lending libraries are the community toy library, the supplemental toy library, the cooperative neighborhood toy library, and the mobile toy library. The first toy…

  4. Determinants of loan maturity in small business lending

    Directory of Open Access Journals (Sweden)

    Ashiqur Rahman

    2017-06-01

    Full Text Available This paper investigates the determinants of loan maturity of small and medium enterprises (SMEs in the context of Visegrad countries: Czech Republic, Slovak Republic, Poland, and Hungary. The data of instead of for this paper was obtained from the Business Environment and Enterprise Performance Survey (BEEPS, which is a joint project of the European Bank for Reconstruction and Development and the World Bank. By using a binary logistic model, we have found that loan maturity is shorter for older and mature firms, firms owned by female and firms experiencing a shortage of liquidity. At the same time, we have also found that firms having concentrated ownership structure and more tangible assets can borrow for a longer period. In addition to that, we have found evidence that loan maturity is longer for the firms located closer to a bank branch. We also provide empirical support for the assumption that bank low competition is associated with longer maturity. From the obtained results, we may recommend SMEs to borrow from banks that are within their vicinity since this may increase the maturity of loans. Policy makers are recommended to implement policies so that to alleviate gender-related discrimination and take initiatives to moderate the level of competition at this market.

  5. 75 FR 28814 - Owner of Record and Re-Sale Data To Preclude Predatory Lending Practices (Property Flipping) on...

    Science.gov (United States)

    2010-05-24

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-43] Owner of Record and Re-Sale Data To Preclude Predatory Lending Practices (Property Flipping) on FHA Insured Mortgages AGENCY... To Preclude Predatory Lending Practices (Property Flipping) on FHA Insured Mortgages. OMB Approval...

  6. Effects of Bank Lending on Urban Housing Prices for Sustainable Development: A Panel Analysis of Chinese Cities

    Directory of Open Access Journals (Sweden)

    Yongsheng Jiang

    2018-02-01

    Full Text Available Stable home prices are critical to a healthy housing market and sustainable development. Home prices in many Chinese cities have increased dramatically in past decades. The China’s central bank uses two primary monetary controls on overheated housing prices: the bank lending supply and lending rate. However, little to no evidence informs whether the nation-level bank lending controls are effective at the city level. Unlike extant studies that only focus on nation-level effects of such controls, this research analyzes long-run effects on housing prices at the national, regional, and city levels. The authors perform cross-sectional time-series regressions on empirical data from 35 major Chinese cities for the period 2003 to 2015. Results confirm that controlling lending rates is effective as a long-term measure at the national, regional, and city levels, whereas controlling the lending supply is effective as a short-term measure for many cities. Results also reveal that housing prices cause lending supply changes for many regions in a long run and indicate that credit policy often lags in response to housing price changes. Findings show that the effectiveness of bank lending largely varies at the city level, suggesting city-tailed bank lending rather than the centralized controls at the national level.

  7. The human angiotensin AT(1) receptor supports G protein-independent extracellular signal-regulated kinase 1/2 activation and cellular proliferation

    DEFF Research Database (Denmark)

    Hansen, Jakob Lerche; Aplin, Mark; Hansen, Jonas Tind

    2008-01-01

    The angiotensin AT(1) receptor is a key regulator of blood pressure and body fluid homeostasis, and it plays a key role in the pathophysiology of several cardiovascular diseases such as hypertension, cardiac hypertrophy, congestive heart failure, and arrhythmia. The importance of human angiotensin...... AT(1) receptor signalling is illustrated by the common use of angiotensin AT(1) receptor-inverse agonists in clinical practice. It is well established that rodent orthologues of the angiotensin AT(1) receptor can selectively signal through G protein-dependent and -independent mechanisms......(1) receptor actions. However, it is currently unknown whether the human angiotensin AT(1) receptor can signal through G protein-independent mechanisms - and if so, what the physiological impact of such signalling is. We have performed a detailed pharmacological analysis of the human angiotensin AT(1...

  8. The Flip Side of the Boomerang Generation: The Role of Childhood Adversity and Social Support on Housing Stress and Independent Living of Millennials in Young Adulthood

    OpenAIRE

    Curry, Susanna

    2016-01-01

    Background and Aims. There currently is a growing understanding of the physical and mental health consequences of childhood adversity, yet much less is known about how childhood adversity relates to adult housing outcomes. Some social supports present in the transition to adulthood may buffer young people from housing challenges. This study examines the relationship between childhood adversity, social support in the transition to adulthood, and housing stress and living arrangements in adulth...

  9. Urinary parabens and polyaromatic hydrocarbons independent of health conditions are associated with adult emotional support needs: USA NHANES, 2005-2008.

    Science.gov (United States)

    Shiue, Ivy

    2015-09-01

    Everyone needs emotional support at some point in life, but the needs might not always be met. The present study was aimed to investigate the prevalence of unmet needs of emotional support in adults and to identify social, environmental and health attributes in a national and population-based setting in recent years. Data was retrieved from the US National Health and Nutrition Examination Surveys, 2005-2008, including demographics, blood pressure readings, self-reported emotional support needs in the last 12 months, self-reported ever health conditions and urinary environmental chemical concentrations. Statistical analyses included chi-square test, t test, survey-weighted logistic regression modeling and population attributable risk (PAR) estimation. Of 6733 American adults aged 40-80, 1273 (21.0 %) needed more emotional support in the past year. They tended to be aged 40-60, female, Mexican American, other Hispanic, education less than high school, or poverty income ratio 5+. People with higher levels of butyl paraben, ethyl paraben, methyl paraben, 1-hydroxynaphthalene, 2-hydroxynaphthalene, or 9-hydroxyfluorene (but not heavy metals, arsenic, phenols, phthalates, pesticides, or phytoestrogens) or historical diabetes, asthma, arthritis, stroke, thyroid disorder, chronic bronchitis, sleep complaint/disorder, or trouble seeing needed more emotional support. Significant risk associations from environmental chemicals mentioned above have remained after adjusting for historical health conditions as potential mediators. This is the first time examining prevalence of the unmet emotional support in adults and identifying the social, environmental and health attributes. Removal of parabens and polyaromatic hydrocarbons and increasing healthcare for people with health conditions to accommodate emotional support should be considered.

  10. Independent technical review, handbook

    Energy Technology Data Exchange (ETDEWEB)

    1994-02-01

    Purpose Provide an independent engineering review of the major projects being funded by the Department of Energy, Office of Environmental Restoration and Waste Management. The independent engineering review will address questions of whether the engineering practice is sufficiently developed to a point where a major project can be executed without significant technical problems. The independent review will focus on questions related to: (1) Adequacy of development of the technical base of understanding; (2) Status of development and availability of technology among the various alternatives; (3) Status and availability of the industrial infrastructure to support project design, equipment fabrication, facility construction, and process and program/project operation; (4) Adequacy of the design effort to provide a sound foundation to support execution of project; (5) Ability of the organization to fully integrate the system, and direct, manage, and control the execution of a complex major project.

  11. Independent technical review, handbook

    International Nuclear Information System (INIS)

    1994-02-01

    Purpose Provide an independent engineering review of the major projects being funded by the Department of Energy, Office of Environmental Restoration and Waste Management. The independent engineering review will address questions of whether the engineering practice is sufficiently developed to a point where a major project can be executed without significant technical problems. The independent review will focus on questions related to: (1) Adequacy of development of the technical base of understanding; (2) Status of development and availability of technology among the various alternatives; (3) Status and availability of the industrial infrastructure to support project design, equipment fabrication, facility construction, and process and program/project operation; (4) Adequacy of the design effort to provide a sound foundation to support execution of project; (5) Ability of the organization to fully integrate the system, and direct, manage, and control the execution of a complex major project

  12. 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.

  13. 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.

  14. ACCOUNTING AND FISCAL TREATMENTS SPECIFIC FOR THE LENDING OF POPULATION THROUGH PAWNSHOPS

    Directory of Open Access Journals (Sweden)

    BLENDEA MARIAN

    2013-08-01

    Full Text Available Considering the fact that in recent years, due to economic conditions in our country, lending tohouseholds through pawnshops experienced significant growth, in the next article we tried to highlight, both interms of tax and accounting, the activity of these businesses. Thus, we have presented the possibilities that apawnshop has in choosing VAT regime, either normal or used goods regime, and ending the paper by presentingthe accounting involved in the work of pawnshops.

  15. Bank Restructuring, Competition, and Lending Supply: Evidence from the Spanish Banking Sector

    OpenAIRE

    Giannoccolo, Pierpaolo; Mansilla-Fernández, José Manuel

    2017-01-01

    This article analyses the effects of the bank restructuring process performed in Spain between 2010 and 2016. First, we create a unique dataset by combining information from Bankscope and the Table of Public Financial Assistance released by the Bank of Spain. Second, we investigate whether these reforms affected (i) the stability, (ii) the degree of competition, and (iii) lending and liquidity supply of the Spanish banking industry. The main results suggest that the restructuring process redu...

  16. Preliminary assessment of anticipated availability and utilization of independent test laboratories to support certification and enforcement of DOE's Energy-Efficiency Standards Program

    Energy Technology Data Exchange (ETDEWEB)

    1981-02-13

    The DOE Conservation Program for Consumer Products requires the testing of products to determine whether they meet applicable energy-efficiency standards. Certification testing will take place at the manufacturers' facilities, while monitoring and enforcement usually take place at or by an independent test laboratory (ITL). Specifically, monitoring will take place at ITLs except in the case of trade-association programs where testing is generally conducted by trade-association representatives. ITLs will be utilized by DOE for all enforcement testing. Monitoring- and enforcement-test requirements are provided in Sections 2 and 3. Estimates and associated analysis of existing ITL capacity are given in Section 4. Section 5 compares ITL capacity and projected test-facility requirements and examines the cost and difficulty of eliminating projected deficits. A summary and conclusions are presented in Section 6. Appendix A presents an analysis of the sensitivity of projected ITL requirements to changes in key variables.

  17. The Variations of Neutron Component of Lunar Radiation Background from LEND LRO Observations

    Science.gov (United States)

    Litvak, M. L.; Mitrofanov, I. G.; Sanin, A. B.; Bakhtin, B. N.; Bodnarik, J. G.; Bodnarik, W. V.; Chin, G.; Evans, L.G.; Harshman, K.; Livengood, T. A.; hide

    2016-01-01

    Lunar neutron flux data measured by the Lunar Exploration Neutron Detector (LEND) on board NASA's Lunar Reconnaissance Orbiter (LRO) were analyzed for the period 2009-2014.We have re-evaluated the instrument's collimation capability and re-estimated the neutron counting rate measured in the Field of View (FOV) of the LEND collimated detectors, and found it to be 1.070.1counts per second. We derived the spectral density of the neutron flux for various lunar regions using our comprehensive numerical model of orbital measurements. This model takes into account the location of the LEND instrument onboard LRO to calculate the surface leakage neutron flux and its propagation to the instrument detectors. Based on this we have determined the lunar neutron flux at the surface to be approx. 2 neutrons/ [sq cm/ sec] in the epithermal energy range, 0.4e V to 1keV. We have also found variations of the lunar neutron leakage flux with amplitude as large as a factor of two, by using multi-year observations to explore variations in the Galactic Cosmic Ray (GCR) flux during the 23rd-24th solar cycles.

  18. 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.

    2016-01-01

    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. PMID:27478254

  19. 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.

  20. 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.

  1. 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.

  2. HETEROGENEOUS BANK LENDING RESPONSES TO MONETARY POLICY: EMPIRICAL EVIDENCE FROM RUSSIA

    Directory of Open Access Journals (Sweden)

    Zlata Kovtun

    2017-06-01

    Full Text Available The monetary policy affects the regional economy through interest rates and its main parameter the Bank of Russia key rate. But do all the banks in the regions respond uniformly to monetary policy changes? The effects of monetary policy actions can vary across the regions within an economic entity, depending on the regional industrial output, the financial structure, household incomes, lending activity, etc. The analysis of the article aims to determine the monetary policy instruments that influence the development or degradation of the regional banking sector in Russia. This helps to identify the heterogeneous commercial bank responses to changes in conducted monetary policy. In order to assess the effects of macroeconomic shocks and instruments of banking supervision on lending activity, the Ordinary Least Squares estimator and Generalized Least Squares technique were applied. The Taylor rule was used to calculate the desired level of interest rate for the each region and, then, to compare the results with the Central Bank interest rate. The empirical results, described in the context of the regional analysis, demonstrate that Central Bank’s interest rate does not affect the lending activity in most of the regions. Finally, the author summarizes conclusions one can draw from the results and provides recommendations for economic policy makers, based on the results of empirical analysis.

  3. CCR9 interactions support ovarian cancer cell survival and resistance to cisplatin-induced apoptosis in a PI3K-dependent and FAK-independent fashion

    Directory of Open Access Journals (Sweden)

    Johnson Erica L

    2010-06-01

    Full Text Available Abstract Background Cisplatin is more often used to treat ovarian cancer (OvCa, which provides modest survival advantage primarily due to chemo-resistance and up regulated anti-apoptotic machineries in OvCa cells. Therefore, targeting the mechanisms responsible for cisplatin resistance in OvCa cell may improve therapeutic outcomes. We have shown that ovarian cancer cells express CC chemokine receptor-9 (CCR9. Others have also shown that CCL25, the only natural ligand for CCR9, up regulates anti-apoptotic proteins in immature T lymphocytes. Hence, it is plausible that CCR9-mediated cell signals might be involved in OvCa cell survival and inhibition of cisplatin-induced apoptosis. In this study, we investigated the potential role and molecular mechanisms of CCR9-mediated inhibition of cisplatin-induced apoptosis in OvCa cells. Methods Cell proliferation, vibrant apoptosis, and TUNEL assays were performed with or without cisplatin treatment in presence or absence of CCL25 to determine the role of the CCR9-CCL25 axis in cisplatin resistance. In situ Fast Activated cell-based ELISA (FACE assays were performed to determine anti-apoptotic signaling molecules responsible for CCL25-CCR9 mediated survival. Results Our results show interactions between CCR9 and CCL25 increased anti-apoptotic signaling cascades in OvCa cells, which rescued cells from cisplatin-induced cell death. Specifically, CCL25-CCR9 interactions mediated Akt, activation as well as GSK-3β and FKHR phosphorylation in a PI3K-dependent and FAK-independent fashion. Conclusions Our results suggest the CCR9-CCL25 axis plays an important role in reducing cisplatin-induced apoptosis of OvCa cells.

  4. 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.

  5. Independence From Parenteral Nutrition and Intravenous Fluid Support During Treatment With Teduglutide Among Patients With Intestinal Failure Associated With Short Bowel Syndrome

    DEFF Research Database (Denmark)

    Iyer, Kishore R; Kunecki, Marek; Boullata, Joseph I

    2017-01-01

    BACKGROUND: In phase III clinical studies, treatment with teduglutide was associated with clinically meaningful reductions (≥20% from baseline) in parenteral support (PS; parenteral nutrition and/or intravenous fluids) requirements in adult patients with intestinal failure associated with short...... sample size and lack of comparator. RESULTS: Of 134 patients, 16 gained oral or enteral autonomy after a median of 5 years of PS dependence and 89 weeks of teduglutide treatment. Demographic and baseline disease characteristics varied among patients (median age, 55 years; 50% men; median baseline PS......: Findings from this post hoc analysis suggest that oral or enteral autonomy is possible for some patients with SBS-IF who are treated with teduglutide, regardless of baseline characteristics and despite long-term PS dependence....

  6. Judging Borrowers by the Company They Keep: Friendship Networks and Information Asymmetry in Online Peer-to-Peer Lending

    OpenAIRE

    Mingfeng Lin; Nagpurnanand R. Prabhala; Siva Viswanathan

    2013-01-01

    We study the online market for peer-to-peer (P2P) lending, in which individuals bid on unsecured microloans sought by other individual borrowers. Using a large sample of consummated and failed listings from the largest online P2P lending marketplace, Prosper.com, we find that the online friendships of borrowers act as signals of credit quality. Friendships increase the probability of successful funding, lower interest rates on funded loans, and are associated with lower ex post default rates....

  7. 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

  8. Emergence of Financial Intermediaries in Electronic Markets: The Case of Online P2P Lending

    Directory of Open Access Journals (Sweden)

    Sven C. Berger

    2009-05-01

    Full Text Available We analyze the role of intermediaries in electronic markets using detailed data of more than 14,000 originated loans on an electronic P2P (peer-to-peer lending platform. In such an electronic credit market, lenders bid to supply a private loan. Screening of potential borrowers and the monitoring of loan repayment can be delegated to designated group leaders. We find that these market participants act as financial intermediaries and significantly improve borrowers' credit conditions by reducing information asymmetries, predominantly for borrowers with less attractive risk characteristics. Our findings may be surprising given the replacement of a bank by an electronic marketplace.

  9. 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.

  10. Independence/cooperative remote control support system

    Science.gov (United States)

    Makuni, Kazuki; Miwa, Masafumi; Fujigaki, Motoharu; Tanikawa, Hiroki; Soga, Masato; Nakashima, Atsushi

    2003-03-01

    When we do aerial photography and an environmental research, a remote control helicopter (R/C helicopter) is excellent tool in the next point. For example, the cost of aerial photography and an environmental research work by R/C helicopter are low, also R/C helicopter pilot reservation fee are low price, and free from aviation law in Japan. But, R/C helicopter maneuvering and aerial photographing skills are necessary, and these are difficult to learn. Additionally, if the visibility of R/C helicopter is getting bad when it goes far away, operation is getting difficult. These problems are caused by the badness of autonomous stability on R/C helicopter system. In this study, we propose a new angle detection sensor for 3 axial rotations which is based on the development of the easy and safe steering system for the operation person.

  11. Baltics support Kosovo independence / Talis Saule Archdeacon

    Index Scriptorium Estoniae

    Archdeacon, Talis Saule

    2008-01-01

    Balti riigid teatasid päev pärast Kosovo iseseisvuse väljakuulutamist, et toetavad riigi iseseisvust. Eriarvamusi pretsedendi suhtes on venelaste esindajate hulgas ning Euroopa riikide vahel. Baltimaade liidrite põhjendused

  12. Quantum independent increment processes

    CERN Document Server

    Franz, Uwe

    2005-01-01

    This volume is the first of two volumes containing the revised and completed notes lectures given at the school "Quantum Independent Increment Processes: Structure and Applications to Physics". This school was held at the Alfried-Krupp-Wissenschaftskolleg in Greifswald during the period March 9 – 22, 2003, and supported by the Volkswagen Foundation. The school gave an introduction to current research on quantum independent increment processes aimed at graduate students and non-specialists working in classical and quantum probability, operator algebras, and mathematical physics. The present first volume contains the following lectures: "Lévy Processes in Euclidean Spaces and Groups" by David Applebaum, "Locally Compact Quantum Groups" by Johan Kustermans, "Quantum Stochastic Analysis" by J. Martin Lindsay, and "Dilations, Cocycles and Product Systems" by B.V. Rajarama Bhat.

  13. Quantum independent increment processes

    CERN Document Server

    Franz, Uwe

    2006-01-01

    This is the second of two volumes containing the revised and completed notes of lectures given at the school "Quantum Independent Increment Processes: Structure and Applications to Physics". This school was held at the Alfried-Krupp-Wissenschaftskolleg in Greifswald in March, 2003, and supported by the Volkswagen Foundation. The school gave an introduction to current research on quantum independent increment processes aimed at graduate students and non-specialists working in classical and quantum probability, operator algebras, and mathematical physics. The present second volume contains the following lectures: "Random Walks on Finite Quantum Groups" by Uwe Franz and Rolf Gohm, "Quantum Markov Processes and Applications in Physics" by Burkhard Kümmerer, Classical and Free Infinite Divisibility and Lévy Processes" by Ole E. Barndorff-Nielsen, Steen Thorbjornsen, and "Lévy Processes on Quantum Groups and Dual Groups" by Uwe Franz.

  14. Genome analysis of a simultaneously predatory and prey-independent, novel Bdellovibrio bacteriovorus from the River Tiber, supports in silico predictions of both ancient and recent lateral gene transfer from diverse bacteria

    Directory of Open Access Journals (Sweden)

    Hobley Laura

    2012-11-01

    Full Text Available Abstract Background Evolution equipped Bdellovibrio bacteriovorus predatory bacteria to invade other bacteria, digesting and replicating, sealed within them thus preventing nutrient-sharing with organisms in the surrounding environment. Bdellovibrio were previously described as “obligate predators” because only by mutations, often in gene bd0108, are 1 in ~1x107 of predatory lab strains of Bdellovibrio converted to prey-independent growth. A previous genomic analysis of B. bacteriovorus strain HD100 suggested that predatory consumption of prey DNA by lytic enzymes made Bdellovibrio less likely than other bacteria to acquire DNA by lateral gene transfer (LGT. However the Doolittle and Pan groups predicted, in silico, both ancient and recent lateral gene transfer into the B. bacteriovorus HD100 genome. Results To test these predictions, we isolated a predatory bacterium from the River Tiber- a good potential source of LGT as it is rich in diverse bacteria and organic pollutants- by enrichment culturing with E. coli prey cells. The isolate was identified as B. bacteriovorus and named as strain Tiberius. Unusually, this Tiberius strain showed simultaneous prey-independent growth on organic nutrients and predatory growth on live prey. Despite the prey-independent growth, the homolog of bd0108 did not have typical prey-independent-type mutations. The dual growth mode may reflect the high carbon content of the river, and gives B. bacteriovorus Tiberius extended non-predatory contact with the other bacteria present. The HD100 and Tiberius genomes were extensively syntenic despite their different cultured-terrestrial/freshly-isolated aquatic histories; but there were significant differences in gene content indicative of genomic flux and LGT. Gene content comparisons support previously published in silico predictions for LGT in strain HD100 with substantial conservation of genes predicted to have ancient LGT origins but little conservation of AT

  15. The Impact of Non-performing Loans on Bank Lending Behavior: Evidence from the Italian Banking Sector

    Directory of Open Access Journals (Sweden)

    Doriana CUCINELLI

    2015-11-01

    Full Text Available The aim of this study is to understand the bank lending behavior during financial crisis, in particular whether an increase of credit risk during this period can lead banks to reduce their lending activity. A second object is to investigate whether cooperative and commercial banks show different behaviors. The analysis is based on a sample of Italian banks (listed and no listed, an example of a country undergoing a credit crunch. The sample consists of 488 listed and unlisted Italian banks observed 2007-2013. Unlisted banks are included because they are the most numerous in the Italian banking system. Findings show a negative impact of credit risk on bank lending behavior, with regard to both credit risk measures: the nonperforming loans and the loan loss provision ratio.

  16. An Exploratory Study On Bank Lending To SME Sector In Bhutan

    Directory of Open Access Journals (Sweden)

    Chokey Wangmo

    2017-11-01

    Full Text Available This study examines the factors used by the banks to determine the outcome of loan applications of Small and Medium Enterprises SMEs in Bhutan. Inaccessibility to financing is one of the biggest challenges faced by the Bhutanese SMEs. This exploratory study is built on in-depth interview of 6 credit officials to understand the lending behaviour of banks towards SMEs. Thematic Analysis revealed that the bank loan accessibility was a function of firm and owner characteristics. The collateral and internal finance was found to be vital in determining SMEs accessibility to bank loans. SMEs inadequate financial information was a serious problem for the banks. Firm age size and industry sector had a positive correlation with bank loan accessibility. The age and educational qualification of borrowers were also found to have a positive relationship while the gender of the owner did not have any effect on bank loan accessibility.

  17. Where does the Buck Stop? Community Attitudes to Over-lending and Over-spending

    Directory of Open Access Journals (Sweden)

    James O’Brien

    2009-03-01

    Full Text Available This article explores the results of focus groups and a national survey aimed at discoveringhow ordinary Australians feel about lending and borrowing practices, in the context of highlevels of consumer debt. This research, carried out by The Australia Institute in 2007, found astrong community belief that lenders and regulators, rather than individual consumers, wereprimarily responsible for excessive debt. Many Australians reported feeling uncomfortableabout the way that credit is pushed on vulnerable and ill-informed consumers; advertising andmarketing were believed to be partly responsible for poor financial decision-making. Theauthors propose a number of practical policies to improve the environment in whichconsumers make financial decisions, including a more helpful disclosure regime.

  18. Carbon Risk Analysis Of The South African Banks’ Lending To The JSE100 CDP Companies

    Directory of Open Access Journals (Sweden)

    Alfred Bimha

    2015-11-01

    Full Text Available There is a pertinent concern over the continued lending to companies that are still pursuing projects that increase the amount of carbon emissions in the atmosphere. South Africa has most of its energy generation being done through coal thermal powered turbines. More so there are a number of new power stations being built in South Africa that are coal powered. Coal on the other hand is deemed as having the highest amount of carbon that contributes to the greenhouse effect which in turn affects the climate leading to climate change consequences. There is also a growing concern on the uptake of renewable energy initiatives by companies that are deemed carbon intensive. Banks are being castigated for not using their economic transformation role to champion the agenda of combating climate change caused by carbon emissions. In this study, the extent of lending in the short and long term to carbon intensive companies by South African banks is examined. Using a sample of the Johannesburg Stock Exchange top 100 companies that participate in Carbon Disclosure Project, an analysis is done through four carbon metrics –carbon intensity, carbon dependency, carbon exposure, carbon risk. The analysis used public information from the banks’ websites, South African Reserve Bank reports and other public databases that contain sustainability information of the JSE100 companies. The analysis was done by comparing the carbon metrics of the recognized seven (7 sectorial industry catergories (SIC on the JSE, mainly Energy & Materials, Industrials, Consumer Staples, Consumer Discretionary, Financials, IT & Telecoms and Health Care. The major finding of the research is that there is a high carbon risk in short term loans compared to long term loans across the JSE100 companies that are analysed. More so, the Energy & Materials sector seem to have the highest carbon risk compared to the other sectors.

  19. 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.

  20. Private support and social security.

    Science.gov (United States)

    Van Dijk, F

    1998-01-01

    "The issue is addressed whether assistance to persons in need can be left to the ¿family' and the ¿community'. In that case people depend on their social networks. The support a person receives through a given network of social ties is examined. However, ties are diverse and subject to change. By means of a model of the dynamics of social ties, the conditions for adequate private support are analyzed. The sustainability of private support over time is examined by incorporating the impact on social ties of lending and receiving support. It is shown that support is only an effective alternative in a limited number of situations." excerpt

  1. 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.

  2. Experiment LEND of the NASA Lunar Reconnaissance Orbiter for high-resolution mapping of neutron emission of the Moon.

    Science.gov (United States)

    Mitrofanov, I G; Sanin, A B; Golovin, D V; Litvak, M L; Konovalov, A A; Kozyrev, A S; Malakhov, A V; Mokrousov, M I; Tretyakov, V I; Troshin, V S; Uvarov, V N; Varenikov, A B; Vostrukhin, A A; Shevchenko, V V; Shvetsov, V N; Krylov, A R; Timoshenko, G N; Bobrovnitsky, Y I; Tomilina, T M; Grebennikov, A S; Kazakov, L L; Sagdeev, R Z; Milikh, G N; Bartels, A; Chin, G; Floyd, S; Garvin, J; Keller, J; McClanahan, T; Trombka, J; Boynton, W; Harshman, K; Starr, R; Evans, L

    2008-08-01

    The scientific objectives of neutron mapping of the Moon are presented as 3 investigation tasks of NASA's Lunar Reconnaissance Orbiter mission. Two tasks focus on mapping hydrogen content over the entire Moon and on testing the presence of water-ice deposits at the bottom of permanently shadowed craters at the lunar poles. The third task corresponds to the determination of neutron contribution to the total radiation dose at an altitude of 50 km above the Moon. We show that the Lunar Exploration Neutron Detector (LEND) will be capable of carrying out all 3 investigations. The design concept of LEND is presented together with results of numerical simulations of the instrument's sensitivity for hydrogen detection. The sensitivity of LEND is shown to be characterized by a hydrogen detection limit of about 100 ppm for a polar reference area with a radius of 5 km. If the presence of ice deposits in polar "cold traps" is confirmed, a unique record of many millions of years of lunar history would be obtained, by which the history of lunar impacts could be discerned from the layers of water ice and dust. Future applications of a LEND-type instrument for Mars orbital observations are also discussed.

  3. "Lawfully Made under This Title": The Implications of "Costco v. Omega" and the First Sale Doctrine on Library Lending

    Science.gov (United States)

    Chamberlain, Katherine A.

    2011-01-01

    While initially it seems that libraries would have no interest in a case involving a big-box company and a luxury watch manufacturer, the outcome of "Costco v. Omega" will have important implications for libraries' ability to lend the foreign-printed, imported materials in their collections that were lawfully acquired.

  4. 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...

  5. 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

  6. 78 FR 6407 - Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-01-30

    ... September 2006 specifically advised creditors that layering risks in nontraditional mortgage loans to... implements the Truth in Lending Act (TILA). Regulation Z currently prohibits a creditor from making a higher...-Frank Act), which generally require creditors to make a reasonable, good faith determination of a...

  7. Military Personnel: DOD's Predatory Lending Report Addressed Mandated Issues, but Support Is Limited for Some Findings and Recommendations

    National Research Council Canada - National Science Library

    Farrell, Brenda S

    2007-01-01

    ... (see the list of related GAO products at the end of this report). In conducting our review, we limited the scope of our work to the types of loans that DOD identified as being predatory in its mandated 2006 report...

  8. On independence in risk communication

    International Nuclear Information System (INIS)

    Lacronique, J. F.

    2006-01-01

    The term 'independence' is a common key word used by almost all stake holders in the field of nuclear safety regulation. The intention is to persuade the public that it can have more confidence and trust in the persons in charge, if their competence and judgment cannot be altered by any kind of political issue or personal interest. However, it is possible to discuss the reality of this claimed quality: how is it possible to verify that the organization that claim 'independence' really respect it? National expertise Institutions can show that they are independent from the industry, but can they claim total independence from the government? NGO have build a large part of their constituency on 'independence' from industry and governments, but are they independent from the ideological forces -sometimes very powerful - that support them? How can we achieve to make this noble word really meaningful? We will show through different examples, that 'independence' is by definition a fragile and versatile challenge, rather than a durable label. It has to be refreshed regularly and thoroughly. Risk communication, in that context, must respect principles which will build independence as a solid asset, and keep a certain distance with mere marketing purposes or candid wishful thinking

  9. E-books and interlibrary loan an academic centric model for lending

    CERN Document Server

    Vigen, Jens

    2003-01-01

    Ironically, digitally born documents do not fit into existing frameworks of interlibrary lending. In most cases this is because publishers consider them too easy to exchange. In practice, this means that digital documents are often being printed and scanned before being shipped off to a requesting library. This system of circumvention is inefficient - at many levels - and generates a vast pool of activity from which neither authors nor publishers benefit. With the changing paradigm of document delivery, publishers of electronic journals are trying to get their share of the market by offering articles on a 'pay-as-you-go' basis, though at rates many times greater to what is being offered by document delivery services operated by libraries. Instead of joining forces in the digital era, libraries and publishers are fighting a battle which is sometimes described by librarians as the fight between the Good and the Evil. However, new models are emerging which leave room for both library and publisher in the future ...

  10. BEHAVIOR OF FUNDING AND LENDING PRICING OF INDONESIAN BANKS: EVIDENCE FROM AGGREGATE POST CRISIS DATA

    Directory of Open Access Journals (Sweden)

    Soenartomo Soepomo

    2017-03-01

    Full Text Available The study aimed to reveal the behavior of lending and funding pricing (deposit interest rate and loan interestrate of Indonesian banks after the great crisis in 1998. Specifically the research design aimed to uncover theform of interaction (state of equilibrium and factors that might influence the state of equilibrium. We used amodel developed by Niehans (1978 and De Grauwe (1982 as a point of departure to address the researchproblem. There were 12 variables used in a simultanous equation econometric model that would be estimated byusing 4 different techniques namely GMM TS, GMM CS, 3SLS and SUR. Two variables namely price ofdeposit and price of loan were treated as endogenous. We also considered the impact of deposit insuranceadoption that was took place in September 2005.The empirical findings showed that the slopes of DD and LLequation were largely consistent with the hypotheses. The parameters were positive and statistically significant.However the numerical value of LL slope that was greater than the other one and comparable to DD slopehad raised a concern for the stability attainment. The most important variables (based on their magnitude andstatistical significance found to affect the constellation were business prospect, system size, exchange rate,operational cost and profitability. In the second tier of importance, we found that monetary policy instruments(policy rate differential and base money supply, quality of loan, capital and total liquidity affected the systemin various degrees.

  11. Obesity Is an Independent Predictor of Poor Survival in Metastatic Breast Cancer: Retrospective Analysis of a Patient Cohort Whose Treatment Included High-Dose Chemotherapy and Autologous Stem Cell Support

    International Nuclear Information System (INIS)

    Drygalski, A.V.; Tran, T.B.; Drygalski, A.V.; Messer, K.; Pu, M.; Corringham, S.; Nelson, C.; Ball, E.D.

    2011-01-01

    The purpose of the study was to identify predictors of long-term survival in metastatic breast cancer (MBC). A cohort of 96 patients, who received high-dose chemotherapy with autologous stem cell support (HD-ASCT) as part of their treatment, was analyzed. Percent long-term survival at 10 years was 24.5% (CI 17.2-34.9%) when metastasis was diagnosed and 14.4% (CI 8.7-23.9%) when MBC was diagnosed. Survival was impacted significantly by body mass index (BMI). Median overall survival from initial diagnosis or from time of metastasis for patients with BMIs =30 and >30 (obese) was 7.1 (CI 4.4-8.7) and 3.2 years (2.41-6.75), respectively, or 3.2 or 2.3 years (all P=0.02). Also, obesity was the only independent patient-related predictor of time to metastasis and of survival. While obesity is linked with poor outcomes in earlier stages of breast cancer, this has not been previously reported for MBC

  12. Independence and Product Systems

    OpenAIRE

    Skeide, Michael

    2003-01-01

    Starting from elementary considerations about independence and Markov processes in classical probability we arrive at the new concept of conditional monotone independence (or operator-valued monotone independence). With the help of product systems of Hilbert modules we show that monotone conditional independence arises naturally in dilation theory.

  13. Independent student study groups.

    Science.gov (United States)

    Hendry, Graham D; Hyde, Sarah J; Davy, Peter

    2005-07-01

    Teachers and students regulate learning to varying degrees in educational programmes in higher education. We present evidence that students in a student-centred medical programme self- and co-regulate their learning in independently formed study groups. We describe the perceived benefits of study groups and the effect of study group membership on student achievement. Years 1-2 of a 4-year, graduate-entry problem-based medical programme. We surveyed 233 year 2 students about features of their study groups and their study group membership in years 1-2. We compared study group membership with students' scores on a written summative assessment held at the end of their second year. For students who joined 1 study group, the length of time their group stayed together was positively related to achievement in the written summative assessment. There were no differences in summative assessment results between students who had been in a study group and students who had not been in a study group. Effective study groups are supportive, socially cohesive groups who generate mutual trust and loyalty, and self- and co-regulate their learning by giving and receiving explanations and summaries and motivating individual study. Teachers can support the formation of study groups by using small-group teaching/learning activities, providing clear learning outcomes and assessment criteria, minimising competition for grades and allocating room space.

  14. An analysis of the macroeconomic conditions required for SME lending: Evidence from Turkey and other emerging market countries

    Directory of Open Access Journals (Sweden)

    Jenkins Hatice

    2017-01-01

    Full Text Available Providing small and medium enterprises (SMEs with access to external finance has been a major concern for many governments and international organizations for three decades. In recent years the experiences of emerging market countries suggest that a paradigm shift is taking place in SME finance. Particularly in fast-growing emerging market countries such as Turkey, banks are increasingly targeting SMEs as a new line of banking business. This research analyzes how macroeconomic factors have contributed to increased commercial bank lending to SMEs in six emerging market countries: Turkey, Argentina, Brazil, Mexico, Chile, and Poland. Based on time series and panel data analysis, we find that a high GDP growth rate and increased competition in the banking sector have contributed to increased banking sector credit to SMEs. The findings also reveal that curbing the high inflation rate and reducing government domestic borrowing have significantly encouraged bank lending to the SME segment.

  15. Bank Foreign Lending, Mandatory Disclosure Rules, and the Reaction of Bank Stock Prices to the Mexican Debt Crisis.

    OpenAIRE

    Smirlock, Michael; Kaufold, Howard

    1987-01-01

    This paper examines the effects of the Mexican debt mora torium in August 1982 on bank valuation. The Mexican default resulted in the passage of regulations requiring public disclosure of bank fo reign-lending exposure. The authors find that, even in the absence of public disclosure regulations, investors were able to discriminate a mong banks with different levels of exposure. Copyright 1987 by the University of Chicago.

  16. Implementing an Event-Driven Enterprise Information Systems Architecture: Adoption Factors in the Example of a Micro Lending Case Study

    OpenAIRE

    Sookoo, Kavish; Belle, Jean-Paul,; Seymour, Lisa

    2016-01-01

    Part 7: EIS-Practices; International audience; Event-driven architecture (EDA) is an architectural approach for enabling communication between distributed enterprise information systems. EDA enables organisations to be adaptable, flexible and robust in the management of business processes and ultimately achieving agility. This paper reviews definitions, concepts and adoption criteria for an EDA and a case study investigates the adoption of the EDA in a micro lending organisation exploring the...

  17. The impact of the European insolvency regulation on lenders, lending decisions, the structuring of transactions and enforcement of security

    OpenAIRE

    Sharma, R

    2011-01-01

    This Thesis seeks to shed light on the issue of how far secured creditor rights are protected in EU cross-border insolvencies by focusing on the perspective and position of English lenders. The main thread throughout is the legal concerns faced by lenders when lending to a company incorporated in England and Wales which operates across the European Union and has assets and creditors spread across various Member States. The initial stages of the structuring of a cross-border security arrangeme...

  18. 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.

  19. Are Independent Fiscal Institutions Really Independent?

    Directory of Open Access Journals (Sweden)

    Slawomir Franek

    2015-08-01

    Full Text Available In the last decade the number of independent fiscal institutions (known also as fiscal councils has tripled. They play an important oversight role over fiscal policy-making in democratic societies, especially as they seek to restore public finance stability in the wake of the recent financial crisis. Although common functions of such institutions include a role in analysis of fiscal policy, forecasting, monitoring compliance with fiscal rules or costing of spending proposals, their roles, resources and structures vary considerably across countries. The aim of the article is to determine the degree of independence of such institutions based on the analysis of the independence index of independent fiscal institutions. The analysis of this index values may be useful to determine the relations between the degree of independence of fiscal councils and fiscal performance of particular countries. The data used to calculate the index values will be derived from European Commission and IMF, which collect sets of information about characteristics of activity of fiscal councils.

  20. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

    Full Text Available In this paper we present the key aspects regarding central bank’s independence. Most economists consider that the factor which positively influences the efficiency of monetary policy measures is the high independence of the central bank. We determined that the National Bank of Romania (NBR has a high degree of independence. NBR has both goal and instrument independence. We also consider that the hike of NBR’s independence played an important role in the significant disinflation process, as headline inflation dropped inside the targeted band of 3% ± 1 percentage point recently.

  1. Geothermal activity supports islands of biodiversity in a hyper-arid, high-elevation landscape, Socompa Volcano, Puna de Atacama, Andes: A cultivation-independent molecular-phylogenetic view of soil microbial communities from an extreme

    Science.gov (United States)

    Costello, E.; Reed, S.; Sowell, P.; Halloy, S.; Schmidt, S.

    2006-12-01

    Socompa Volcano is a relatively young, unglaciated, 6051 m (19,852`) elevation stratovolcano that lies at the Chilean-Argentine border (24° 25`S, 68° 15`W) at the eastern edge of the Atacama Basin in the Arid Core of the Andes. A 1984 exploration revealed isolated mats of moss, liverwort, algae and lichen- dominated autotrophic communities associated with geothermal vents or warmspots near Socompa`s summit (Halloy, 1991). If extant, this system would present a unique opportunity to study life`s limits in a hyper-arid, high-elevation Mars-like landscape. Returning to Socompa in 2005, we encountered previously described warmspot "2" (Halloy, 1991) at 5824 m (19,107`) and found it partially disturbed by recent foot traffic. We collected warmspot-associated gas and soil samples, as well as other non-vent associated soils on Socompa. These soils were subjected to a battery of analyses, including cultivation-independent surveys of bacterial and eukaryotic small-subunit (SSU) ribosomal RNA (rRNA) gene sequences. Gas samples contained elevated CO2 and CH4 that, along with water vapor, vent directly from rocky "tubes" and percolate diffusely through the ground at the site. In general, Socompa soils were unvegetated, poorly sorted sands and gravels. Non-vent and vent-associated soils had pH 5.23 and 6.8, respectively. Non-vent and warm (25°C), disturbed (mat destroyed) vent-associated soils had no measurable moisture or nitrogen and 0.03% carbon (with SOM δ13C of -26‰). These soils also contained no measurable photosynthetic or photoprotective pigments and low enzyme activities. Conversely, cold (-5°C), undisturbed (but not overlain with dense mat) vent-associated soil had 10% water, 0.02% nitrogen and 0.25% carbon (C:N=13, SOM δ13C of -23.5‰). These soils had higher enzyme activities, contained chlorophyll a, and harbored a diverse array of algae, moss, liverwort, ascomycete, alveolate, and metazoan 18S rRNA sequences (~30 species). On the other hand, in the warm

  2. Accounting for Independent Schools.

    Science.gov (United States)

    Sonenstein, Burton

    The diversity of independent schools in size, function, and mode of operation has resulted in a considerable variety of accounting principles and practices. This lack of uniformity has tended to make understanding, evaluation, and comparison of independent schools' financial statements a difficult and sometimes impossible task. This manual has…

  3. Independence of Internal Auditors.

    Science.gov (United States)

    Montondon, Lucille; Meixner, Wilda F.

    1993-01-01

    A survey of 288 college and university auditors investigated patterns in their appointment, reporting, and supervisory practices as indicators of independence and objectivity. Results indicate a weakness in the positioning of internal auditing within institutions, possibly compromising auditor independence. Because the auditing function is…

  4. Features of financial support of reproduction processes in agriculture

    Directory of Open Access Journals (Sweden)

    Kudrina Valentina Aleksandrovna

    2016-08-01

    Full Text Available The article describes the features of the financing of reproduction processes in agriculture, arising from the specific production in the industry. Considered and analyzed the main sources of financial resources for the implementation of the reproduction processes in the agricultural sector, including bank lending, leasing, public financial support.

  5. Insolation Effects on Lunar Hydrogen: Correlated observations of LEND and Second Order Insolation Effects Derived from LOLA Modeling

    Science.gov (United States)

    McClanahan, T. P.; Mazarico, E.; Droege, G.; Lunar Reconnaissance Orbiter (LRO) LEND Team; LOLA Team

    2011-12-01

    The Moon's polar permanent shadow regions (PSR) have long been considered the unique repository for volatile Hydrogen (H). This postulate was due to the extreme and persistently cold environment that has been maintained over eons of lunar history. However, we have recently reported two results that have challenged the PSR hypothesis. 1) that higher lunar H distributions are only weakly correlated to the PSR condition. 2) We suggest a relationship between higher H in the context of pole-facing slopes relative to equator facing slopes. Correlated observations by the Lunar Exploration Neutron Detector (LEND) onboard the Lunar Reconnaissance Orbiter (LRO) and the Lunar Orbiting Laser Altimeter (LOLA) have been performed indicating pole-facing slopes have 0.01 to 0.02 cps lower epithermal count rates than their equivalent equator-facing slopes. These bulk observations were hypothesis tested and indicate a significant and consistent relationship between topographically modulated insolation effects derived from specialized transformations of LOLA digital elevation models (DEM)'s and LEND maps for latitudes > 60 deg latitude. In this presentation we review the techniques and results from the recent high latitude analysis and apply similar techniques to equatorial regions. We also compare results to second order modeling results derived from long-term LOLA numerical modeling of insolation conditions on the Moon. Results from our low latitude analysis will be reported. We discuss interpretations and implications for Lunar Hydrogen studies

  6. Probabilistic conditional independence structures

    CERN Document Server

    Studeny, Milan

    2005-01-01

    Probabilistic Conditional Independence Structures provides the mathematical description of probabilistic conditional independence structures; the author uses non-graphical methods of their description, and takes an algebraic approach.The monograph presents the methods of structural imsets and supermodular functions, and deals with independence implication and equivalence of structural imsets.Motivation, mathematical foundations and areas of application are included, and a rough overview of graphical methods is also given.In particular, the author has been careful to use suitable terminology, and presents the work so that it will be understood by both statisticians, and by researchers in artificial intelligence.The necessary elementary mathematical notions are recalled in an appendix.

  7. Examination of bariatric surgery Facebook support groups: a content analysis.

    Science.gov (United States)

    Koball, Afton M; Jester, Dylan J; Domoff, Sarah E; Kallies, Kara J; Grothe, Karen B; Kothari, Shanu N

    2017-08-01

    Support following bariatric surgery is vital to ensure long-term postoperative success. Many individuals undergoing bariatric surgery are turning to online modalities, especially the popular social media platform Facebook, to access support groups and pages. Despite evidence suggesting that the majority of patients considering bariatric surgery are utilizing online groups, little is known about the actual content of these groups. The purpose of the present study was to conduct a content analysis of bariatric surgery support groups and pages on Facebook. Online via Facebook, independent academic medical center, United States. Data from bariatric surgery-related Facebook support groups and pages were extracted over a 1-month period in 2016. Salient content themes (e.g., progress posts, depression content, eating behaviors) were coded reliably (all κ> .70). More than 6,800 posts and replies were coded. Results indicated that seeking recommendations (11%), providing information or recommendations (53%), commenting on changes since surgery (19%), and lending support to other members (32%) were the most common types of posts. Content surrounding anxiety, eating behaviors, depression, body image, weight bias, and alcohol was found less frequently. Online bariatric surgery groups can be used to receive support, celebrate physical and emotional accomplishments, provide anecdotal accounts of the "bariatric lifestyle" for preoperative patients, and comment on challenges with mental health and experiences of weight bias. Providers should become acquainted with the content commonly found in online groups and exercise caution in recommending these platforms to information-seeking patients. Copyright © 2017 American Society for Bariatric Surgery. Published by Elsevier Inc. All rights reserved.

  8. 32 CFR 169a.16 - Independent review.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 1 2010-07-01 2010-07-01 false Independent review. 169a.16 Section 169a.16 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE DEFENSE CONTRACTING COMMERCIAL... the supporting documentation. Supporting documentation shall be sufficient to require no additional...

  9. Independent power project finance rating criteria

    International Nuclear Information System (INIS)

    Goldsmith, D.; Chew W.; Moulton, C.

    1992-01-01

    Continuing growth of project financing for non-utility generators in the US and abroad has led to growing focus on their credit strength. In general, the financings remain relatively risky and would likely be rated below investment grade, because of various factors: loose power purchase arrangements, poor match between power pricing and fuel costs, aggressive leverage, troubled operating performance. But S and P believes some projects have the credit strength to support investment grade ratings. As traditional financing markets for these projects --- bank lending and private placements with highly specialized institutional investors --- have contracted, project sponsors and developers are considering broader markets. These include institutional investors without specialized focus on power project finance. In these markets, distinctions among projects may lead to greater liquidity and efficiency in developing the pricing and terms under which projects can be financed. This paper reports that ratings are most appropriate for projects seeking permanent financing as they enter commercial operations. They also may be useful for projects which have been operating for some time and for some very strong projects which are raising construction financing. To guide both project developers and investors in project financing, S and P has developed the following approach for rating these types of financings

  10. Serum uric acid is a GFR-independent long-term predictor of acute and chronic renal insufficiency: the Jerusalem Lipid Research Clinic cohort study.

    Science.gov (United States)

    Ben-Dov, Iddo Z; Kark, Jeremy D

    2011-08-01

    Kidney disease is commonly accompanied by hyperuricemia. However, the contribution of serum uric acid (SUA) to kidney injury is debated. Our objective was to assess the long-term prediction of renal failure by SUA. Visit 2 participants in the Jerusalem Lipid Research Clinic cohort with normal baseline kidney function were followed for 24-28 years. SUA levels were assessed for associations with acute renal failure (ARF) and chronic renal failure (CRF) as defined by hospital discharge records, and mortality, ascertained through linkage with the national population registry. Among 2449 eligible participants (1470 men, 979 women aged 35-78 years in 1976-79), SUA was positively linked with male sex, serum creatinine and components of the metabolic syndrome but was lower in smokers and in diabetic subjects. The 22- to 25-year incidence of hospital-diagnosed kidney failure (145 first events, 67% CRF) and the 24- to 28-year mortality (587 events) were higher in subject with hyperuricemia (>6.5 mg/dL in men and >5.3 mg/dL in women, reflecting the upper quintiles), independent of baseline kidney function and covariates. Hyperuricemia conferred adjusted hazard ratios of 1.36 (P = 0.003), 2.14 (P renal failure incidence and all-cause mortality independently of demographic and clinical covariates. These results lend support to the undertaking of clinical trials to examine the effect of uric acid-lowering strategies on kidney outcomes.

  11. Distro’: Independent Creativity for Independent Industr

    Directory of Open Access Journals (Sweden)

    Wiwik Sri Wulandari

    2014-11-01

    Full Text Available To shortened this introduction, ‘Distro’ is one of cultural phenomenon in theyoung generation nowadays. The word of ‘Distro’ is the shortened of DistributionOutlet. The phenomenon of ‘Distro’ has been some kind of new trends inproducing and distributing creative design products of goods amongst theyoungsters independently, in an independence industry that open for challengingand competitiveness for everyone. This field research has been done in the city ofYogyakarta, reknown as the second city in creative design products after the cityof Bandung. Yogyakarta is welknown as the students’ city as well as the capital cityof culture of Indonesia. As a students’ city it is normal that Yogyakarta is growingin numbers of young people who pursued to study here and enriched the cultureof the city to become more multicultural and the varieties of pluralism as well.This sociocultural phenomenon not only brought some dynamic changing tosociety, economy and cultural life of the city, but also social problems that needsto be overcome. My first research question then is about how the existence of‘Distro’ in Yogyakarta can be a positive answer for social problems that may arisesfrom the hegemony of globalization markets domestically? My second questionis how the creative product designs are being made and distributed creatively inindependent industry? Lastly, my third question is dealling with the genres ofthe design products and how it can be a new trend in art expression? ‘Distro’ is aproduct of culture and it is also creating cultural change in some aspects of the lifeof the youngsters who are ‘Distro’ enthusiasts. ‘Distro’ phenomenon basically is anoffensive to the hegemony of internationally branded product design which turnsto become more over-dominated to the domestic markets and industry and thus,‘Distro’ has the spirit of survival whilts at the same time producing opportunity ofenterpreneurship

  12. Managing Operational Risk Related to Microfinance Lending Process using Fuzzy Inference System based on the FMEA Method: Moroccan Case Study

    Directory of Open Access Journals (Sweden)

    Alaoui Youssef Lamrani

    2017-12-01

    Full Text Available Managing operational risk efficiently is a critical factor of microfinance institutions (MFIs to get a financial and social return. The purpose of this paper is to identify, assess and prioritize the root causes of failure within the microfinance lending process (MLP especially in Moroccan microfinance institutions. Considering the limitation of traditional failure mode and effect analysis (FMEA method in assessing and classifying risks, the methodology adopted in this study focuses on developing a fuzzy logic inference system (FLIS based on (FMEA. This approach can take into account the subjectivity of risk indicators and the insufficiency of statistical data. The results show that the Moroccan MFIs need to focus more on customer relationship management and give more importance to their staff training, to clients screening as well as to their business analysis.

  13. Independent component analysis for brain FMRI does indeed select for maximal independence.

    Directory of Open Access Journals (Sweden)

    Vince D Calhoun

    Full Text Available A recent paper by Daubechies et al. claims that two independent component analysis (ICA algorithms, Infomax and FastICA, which are widely used for functional magnetic resonance imaging (fMRI analysis, select for sparsity rather than independence. The argument was supported by a series of experiments on synthetic data. We show that these experiments fall short of proving this claim and that the ICA algorithms are indeed doing what they are designed to do: identify maximally independent sources.

  14. All Those Independent Variables.

    Science.gov (United States)

    Meacham, Merle L.

    This paper presents a case study of a sixth grade remedial math class which illustrates the thesis that only the "experimental attitude," not the "experimental method," is appropriate in the classroom. The thesis is based on the fact that too many independent variables exist in a classroom situation to allow precise measurement. The case study…

  15. Independence of the judiciary

    Directory of Open Access Journals (Sweden)

    Arjana LLANO

    2013-12-01

    Full Text Available There are many factors which influence the independence of the judiciary. In a decision making process, judges, at any rate, must be able to act independently of any direct or indirect restriction, improper influence, inducement, pressure, threatening or obstacle. The law should provide explicit punishment measures against anyone who tries to impose any of the above means upon the judges. Any judge should possess the inviolable freedom of judging impartially, by his/her consciousness and interpretation, and pursuant to law. However, this is often impossible for judges are frequently put under various pressures that should be avoided. I have employed theoretical and practical methods for the purposes of this article. In conclusion, the research results have shown a heavy infringement of the independence of the judiciary in our country. There is a quite frequent tendency to influence the judges’ decisions. Common violations of law and judicial independence, to a large extent, remain unnoticed and unpunished. A considerable number of judges think that such tendencies have no significant influence on the management of justice.

  16. INDEPENDENT AND GROUP LEARNING.

    Science.gov (United States)

    DICKINSON, MARIE B.

    IN CONTRAST TO THE TRADITIONAL EMPHASES ON ROTE LEARNING AND FACT ACCUMULATION, RECENT TRENDS EMERGING FROM EDUCATIONAL RESEARCH STRESS THE DEVELOPMENT OF THINKING PROCESSES SUCH AS THE ABILITY TO REASON ABSTRACTLY AND TO SYNTHESIZE. CHILDREN WORKING INDEPENDENTLY OR IN GROUPS MOVE THROUGH A DISCOVERY LEARNING CURRICULUM IN WHICH THE TEACHER…

  17. Independent for longer

    NARCIS (Netherlands)

    Cretien van Campen; Jurjen Iedema; Marjolein Broese van Groenou; Dorly Deeg

    2017-01-01

    Original title: Langer zelfstandig. The Dutch government's reform of long-term care is intended to reinforce the trend whereby older persons continue to live independently for longer and the need for admission to a care institution is avoided or delayed. Many Dutch citizens aged 65 years and

  18. Independence in appearance

    DEFF Research Database (Denmark)

    Warming-Rasmussen, Bent; Quick, Reiner; Liempd, Dennis van

    2011-01-01

    article presents research contributions to the question whether the auditor is to continue to provide both audit and non-audit services (NAS) to an audit client. Research results show that this double function for the same audit client is a problem for stakeholders' confidence in auditor independence...

  19. Rate independent Kurzweil processes

    Czech Academy of Sciences Publication Activity Database

    Krejčí, Pavel; Liero, M.

    2009-01-01

    Roč. 54, č. 2 (2009), s. 117-145 ISSN 0862-7940 Institutional research plan: CEZ:AV0Z10190503 Keywords : Kurzweil integral * rate independence Subject RIV: BA - General Mathematics Impact factor: 0.410, year: 2009 http://www.dml.cz/bitstream/handle/10338.dmlcz/140355/AplMat_54-2009-2_2.pdf

  20. Oligocene Termite Nests with In Situ Fungus Gardens from the Rukwa Rift Basin, Tanzania, Support a Paleogene African Origin for Insect Agriculture

    Science.gov (United States)

    Roberts, Eric M.; Todd, Christopher N.; Aanen, Duur K.; Nobre, Tânia; Hilbert-Wolf, Hannah L.; O’Connor, Patrick M.; Tapanila, Leif; Mtelela, Cassy; Stevens, Nancy J.

    2016-01-01

    Based on molecular dating, the origin of insect agriculture is hypothesized to have taken place independently in three clades of fungus-farming insects: the termites, ants or ambrosia beetles during the Paleogene (66–24 Ma). Yet, definitive fossil evidence of fungus-growing behavior has been elusive, with no unequivocal records prior to the late Miocene (7–10 Ma). Here we report fossil evidence of insect agriculture in the form of fossil fungus gardens, preserved within 25 Ma termite nests from southwestern Tanzania. Using these well-dated fossil fungus gardens, we have recalibrated molecular divergence estimates for the origins of termite agriculture to around 31 Ma, lending support to hypotheses suggesting an African Paleogene origin for termite-fungus symbiosis; perhaps coinciding with rift initiation and changes in the African landscape. PMID:27333288

  1. Oligocene Termite Nests with In Situ Fungus Gardens from the Rukwa Rift Basin, Tanzania, Support a Paleogene African Origin for Insect Agriculture.

    Science.gov (United States)

    Roberts, Eric M; Todd, Christopher N; Aanen, Duur K; Nobre, Tânia; Hilbert-Wolf, Hannah L; O'Connor, Patrick M; Tapanila, Leif; Mtelela, Cassy; Stevens, Nancy J

    2016-01-01

    Based on molecular dating, the origin of insect agriculture is hypothesized to have taken place independently in three clades of fungus-farming insects: the termites, ants or ambrosia beetles during the Paleogene (66-24 Ma). Yet, definitive fossil evidence of fungus-growing behavior has been elusive, with no unequivocal records prior to the late Miocene (7-10 Ma). Here we report fossil evidence of insect agriculture in the form of fossil fungus gardens, preserved within 25 Ma termite nests from southwestern Tanzania. Using these well-dated fossil fungus gardens, we have recalibrated molecular divergence estimates for the origins of termite agriculture to around 31 Ma, lending support to hypotheses suggesting an African Paleogene origin for termite-fungus symbiosis; perhaps coinciding with rift initiation and changes in the African landscape.

  2. Bayesian Independent Component Analysis

    DEFF Research Database (Denmark)

    Winther, Ole; Petersen, Kaare Brandt

    2007-01-01

    In this paper we present an empirical Bayesian framework for independent component analysis. The framework provides estimates of the sources, the mixing matrix and the noise parameters, and is flexible with respect to choice of source prior and the number of sources and sensors. Inside the engine...... in a Matlab toolbox, is demonstrated for non-negative decompositions and compared with non-negative matrix factorization.......In this paper we present an empirical Bayesian framework for independent component analysis. The framework provides estimates of the sources, the mixing matrix and the noise parameters, and is flexible with respect to choice of source prior and the number of sources and sensors. Inside the engine...

  3. Independent random sampling methods

    CERN Document Server

    Martino, Luca; Míguez, Joaquín

    2018-01-01

    This book systematically addresses the design and analysis of efficient techniques for independent random sampling. Both general-purpose approaches, which can be used to generate samples from arbitrary probability distributions, and tailored techniques, designed to efficiently address common real-world practical problems, are introduced and discussed in detail. In turn, the monograph presents fundamental results and methodologies in the field, elaborating and developing them into the latest techniques. The theory and methods are illustrated with a varied collection of examples, which are discussed in detail in the text and supplemented with ready-to-run computer code. The main problem addressed in the book is how to generate independent random samples from an arbitrary probability distribution with the weakest possible constraints or assumptions in a form suitable for practical implementation. The authors review the fundamental results and methods in the field, address the latest methods, and emphasize the li...

  4. International exploration by independents

    International Nuclear Information System (INIS)

    Bertagne, R.G.

    1991-01-01

    Recent industry trends indicate that the smaller US independents are looking at foreign exploration opportunities as one of the alternatives for growth in the new age of exploration. It is usually accepted that foreign finding costs per barrel are substantially lower than domestic because of the large reserve potential of international plays. To get involved overseas requires, however, an adaptation to different cultural, financial, legal, operational, and political conditions. Generally foreign exploration proceeds at a slower pace than domestic because concessions are granted by the government, or are explored in partnership with the national oil company. First, a mid- to long-term strategy, tailored to the goals and the financial capabilities of the company, must be prepared; it must be followed by an ongoing evaluation of quality prospects in various sedimentary basins, and a careful planning and conduct of the operations. To successfully explore overseas also requires the presence on the team of a minimum number of explorationists and engineers thoroughly familiar with the various exploratory and operational aspects of foreign work, having had a considerable amount of onsite experience in various geographical and climatic environments. Independents that are best suited for foreign expansion are those that have been financially successful domestically, and have a good discovery track record. When properly approached foreign exploration is well within the reach of smaller US independents and presents essentially no greater risk than domestic exploration; the reward, however, can be much larger and can catapult the company into the big leagues

  5. International exploration by independents

    International Nuclear Information System (INIS)

    Bertagne, R.G.

    1992-01-01

    Recent industry trends indicate that the smaller U.S. independents are looking at foreign exploration opportunities as one of the alternatives for growth in the new age of exploration. The problems of communications and logistics caused by different cultures and by geographic distances must be carefully evaluated. A mid-term to long-term strategy tailored to the goals and the financial capabilities of the company should be prepared and followed by a careful planning of the operations. This paper addresses some aspects of foreign exploration that should be considered before an independent venture into the foreign field. It also provides some guidelines for conducting successful overseas operations. When properly assessed, foreign exploration is well within the reach of smaller U.S. independents and presents no greater risk than domestic exploration; the rewards, however, can be much larger. Furthermore, the Oil and Gas Journal surveys of the 300 largest U.S. petroleum companies show that companies with a consistent foreign exploration policy have fared better financially during difficult times

  6. TPO-independent megakaryocytopoiesis.

    Science.gov (United States)

    Zheng, Cuiling; Yang, Renchi; Han, Zhongchao; Zhou, Bin; Liang, Lu; Lu, Min

    2008-03-01

    Megakaryocytopoiesis is a continuous developmental process of platelet production. In this process, a complex network of hemopoietic growth factors are involved, among which TPO (thrombopoietin) is the most thoroughly investigated regulator of MKs (megakaryocytes). In addition to TPO, other regulators also have non-negligible effects on megakaryocytopoiesis. The majority of their effects are independent of TPO signaling. To date, TPO-independent megakaryocytopoiesis forms a regulatory system that includes four signals and (an) unknown signaling pathway(s). These four pathways are the gp 130 (glycoprotein 130)-dependent signaling pathway, the Notch pathway, NMDA (N-methyl-d-aspartate) receptor-mediated signaling, and the SDF-1 (stromal cell-derived factor-1)/FGF-4 (fibroblast growth factor-4) paradigm. Understanding of the TPO-independent regulatory system is important because the system may offer additional opportunities to understand the developmental process and the mechanisms of disorders characterized by abnormal MK and platelet production, such as thrombocytopenia and thrombocythemia, and to advance the development of therapeutics.

  7. International exploration by independent

    International Nuclear Information System (INIS)

    Bertragne, R.G.

    1992-01-01

    Recent industry trends indicate that the smaller U.S. independents are looking at foreign exploration opportunities as one of the alternatives for growth in the new age of exploration. Foreign finding costs per barrel usually are accepted to be substantially lower than domestic costs because of the large reserve potential of international plays. To get involved in overseas exploration, however, requires the explorationist to adapt to different cultural, financial, legal, operational, and political conditions. Generally, foreign exploration proceeds at a slower pace than domestic exploration because concessions are granted by a country's government, or are explored in partnership with a national oil company. First, the explorationist must prepare a mid- to long-term strategy, tailored to the goals and the financial capabilities of the company; next, is an ongoing evaluation of quality prospects in various sedimentary basins, and careful planning and conduct of the operations. To successfully explore overseas also requires the presence of a minimum number of explorationists and engineers thoroughly familiar with the various exploratory and operational aspects of foreign work. Ideally, these team members will have had a considerable amount of on-site experience in various countries and climates. Independents best suited for foreign expansion are those who have been financially successful in domestic exploration. When properly approached, foreign exploration is well within the reach of smaller U.S. independents, and presents essentially no greater risk than domestic exploration; however, the reward can be much larger and can catapult the company into the 'big leagues.'

  8. 12 CFR 550.350 - May I lend, sell, or transfer assets of a fiduciary account if I have an interest in the...

    Science.gov (United States)

    2010-01-01

    ... assets of a fiduciary account for which you have investment discretion to yourself or any of your... assets. (iii) The transaction is permitted under 12 CFR 9.18(b)(8)(iii) for defaulted fixed-income... 12 Banks and Banking 5 2010-01-01 2010-01-01 false May I lend, sell, or transfer assets of a...

  9. European Experience and Ukrainian Realities in the Policy of Financial Support Entrepreneurial Sector

    Directory of Open Access Journals (Sweden)

    Olga Savchenko

    2017-10-01

    Full Text Available Aim/purpose - We want to provide recommendations to bridge the gap in access to financing of the entrepreneurial sector in Ukraine based on the analysis of European experience, EBF approaches, financial funds for SMEs and the current state of the credit market in Ukraine. Design/methodology/approach - We used the general scientific methods of knowledge, conceptual tenets of the theory of market economy, abstract logical analysis and synthesis, induction and deduction, historical (to determine the nature and causes of bank investment in SMEs, refine categories and terms; formalization, systems analysis (to determine factors of investment banking, institutional and legal environment; statistical, retrospective analysis. The results of surveys conducted by the EBF on the issues of support and development of SMEs are used, own research of 120 Ukrainian SMEs, which was conducted during the period from January to July 2016. The nature of the research questions was reinforced by the decision to survey only SMEs. Independent reporting (from entrepreneurs or CEOs was used to account for both business activity and the external sources of information. Findings - Policy initiatives should primarily be developed at the national level in the field of lending to SMEs based on the European experience and Ukrainian realities; it is necessary to develop an understanding of the need for access to certain types of information; SMEs are the main providers and the most valuable source of credit information. Research implications/limitations - When using the methods of calculation creditworthiness perhaps to take into account the methods for assessing the quality of management, the image of the enterprise, ISO certificates. Originality/value/contribution - Based on the cross-country comparison of the EU and Ukraine, highlight the necessity of focusing on some legal unification of SME lending procedures for the development of a culture of sustainable entrepreneurship

  10. The Status of Bank Lending to SMEs in the Middle East and North Africa Region : Results of a Joint Survey of the Union of Arab Bank and the World Bank

    OpenAIRE

    Rocha, Roberto; Farazi, Subika; Khouri, Rania; Pearce, Douglas

    2011-01-01

    Among the principal constraints for SME lending is the lack of SME transparency, poor credit information from credit registries and bureaus, and weak creditor rights. If constraints can be addressed, lending can potentially reach bank targets of 21 percent. State banks still play an important role in financing SMEs in the MENA region, but they use less sophisticated risk management systems...

  11. Model-independent differences

    DEFF Research Database (Denmark)

    Könemann, Patrick

    2009-01-01

    Computing differences (diffs) and merging different versions is well-known for text files, but for models it is a very young field - especially patches for models are still matter of research. Text-based and model-based diffs have different starting points because the semantics of their structure...... is fundamentally different. This paper reports on our ongoing work on model-independent diffs, i.e. a diff that does not directly refer to the models it was created from. Based on that, we present an idea of how the diff could be generalized, e.g. many atomic diffs are merged to a new, generalized diff. One use...

  12. Model-Independent Diffs

    DEFF Research Database (Denmark)

    Könemann, Patrick

    Computing differences (diffs) and merging different versions is wellknown for text files, but for models it is a very young field. Text-based and model-based diffs have different goals and different starting points, because the semantics of their structure is fundamentally different. Text files...... it was created from. We present concepts for model-independent diffs, how it can be created and used. In the end, we present an idea of how the diff could be generalized, e.g. many atomic differences are merged to a new, generalized diff – similar to a patch for text files. The advantage of such a generalized...

  13. Independent task Fourier filters

    Science.gov (United States)

    Caulfield, H. John

    2001-11-01

    Since the early 1960s, a major part of optical computing systems has been Fourier pattern recognition, which takes advantage of high speed filter changes to enable powerful nonlinear discrimination in `real time.' Because filter has a task quite independent of the tasks of the other filters, they can be applied and evaluated in parallel or, in a simple approach I describe, in sequence very rapidly. Thus I use the name ITFF (independent task Fourier filter). These filters can also break very complex discrimination tasks into easily handled parts, so the wonderful space invariance properties of Fourier filtering need not be sacrificed to achieve high discrimination and good generalizability even for ultracomplex discrimination problems. The training procedure proceeds sequentially, as the task for a given filter is defined a posteriori by declaring it to be the discrimination of particular members of set A from all members of set B with sufficient margin. That is, we set the threshold to achieve the desired margin and note the A members discriminated by that threshold. Discriminating those A members from all members of B becomes the task of that filter. Those A members are then removed from the set A, so no other filter will be asked to perform that already accomplished task.

  14. The Victory of Anti-Hitler States in the Second World War. The Lend-lease Factor

    Directory of Open Access Journals (Sweden)

    N P Parkhitko

    2015-12-01

    Full Text Available The article is focused on the economic aspect of military cooperation between the USSR and the western Allies (first of all, with the USA and Great Britain during the period of the WW II. The statistic data of the military equipment, sent to the USSR by the Allies through Lend-Lease is compared to the statistics of the Soviet domestic military production during the Great Patriotic War. Also the material and human losses of the USSR and the Allies are compared. As the result of the comparison the crucial military, political and economical input of the USSR in the Victory of Anti-Hitler states in the Second World War is advocated. The goal is also to eliminate the pseudo-historic attempts of denigrating the role of the Soviet Union in the Second World War and even its struggle in the period of the Great Patriotic War. Such attempts are being intensified in the last decades especially in the western countries and their message, in the opinion of the author, is to downplay the role of our country on the international arena as it tends to be in the political conjuncture of the early XXI century.

  15. The difference between lending interest rate and funds interest rate. Link with sustainable banking. Particularities of Romanian Market

    Directory of Open Access Journals (Sweden)

    Cristian Gheorghe Iacob

    2015-05-01

    Full Text Available The article, is trying to capture the way difference between active and passive interest rates influence macroeconomic sustainable development in a country. However the theory is limited on this area and the author is intending to merge practical aspects with conceptual terms. The role of banks in an economy is very important, as all inflows and outflows are done through financial institutions. Bank sustainability is the area of study and practice that captures the contribution of banks in sustainable development of a country. Banking instruments are the means by which banks are present and act in the economy. Banking techniques are the mechanisms of banking instruments. The most important banking instruments are the loans and the deposits. So banks take deposits from different entities and use them as resource to finance other entities. A bank is considered contributing to sustainable development, if lending divisions allocates resources to investments that bring long-term welfare to the community not only for today people, but for future generations. Therefore, we can establish a correlation between banking sustainability and sustainable development through the evolution of banking instruments. Looking to detail, bank sustainability is highly affected by the local macroeconomic issues, but also from global influences.

  16. The importance of board independence

    NARCIS (Netherlands)

    Zijl, N.J.M.

    2012-01-01

    Although the attributed importance of board independence is high, a clear definition of independence does not exist. Furthermore, the aim and consequences of independence are the subject of discussion and empirical evidence about the impact of independence is weak and disputable. Despite this lack

  17. Frame independent cosmological perturbations

    Energy Technology Data Exchange (ETDEWEB)

    Prokopec, Tomislav; Weenink, Jan, E-mail: t.prokopec@uu.nl, E-mail: j.g.weenink@uu.nl [Institute for Theoretical Physics and Spinoza Institute, Utrecht University, Leuvenlaan 4, 3585 CE Utrecht (Netherlands)

    2013-09-01

    We compute the third order gauge invariant action for scalar-graviton interactions in the Jordan frame. We demonstrate that the gauge invariant action for scalar and tensor perturbations on one physical hypersurface only differs from that on another physical hypersurface via terms proportional to the equation of motion and boundary terms, such that the evolution of non-Gaussianity may be called unique. Moreover, we demonstrate that the gauge invariant curvature perturbation and graviton on uniform field hypersurfaces in the Jordan frame are equal to their counterparts in the Einstein frame. These frame independent perturbations are therefore particularly useful in relating results in different frames at the perturbative level. On the other hand, the field perturbation and graviton on uniform curvature hypersurfaces in the Jordan and Einstein frame are non-linearly related, as are their corresponding actions and n-point functions.

  18. Emissivity independent optical pyrometer

    Science.gov (United States)

    Earl, Dennis Duncan; Kisner, Roger A.

    2017-04-04

    Disclosed herein are representative embodiments of methods, apparatus, and systems for determining the temperature of an object using an optical pyrometer. Certain embodiments of the disclosed technology allow for making optical temperature measurements that are independent of the surface emissivity of the object being sensed. In one of the exemplary embodiments disclosed herein, a plurality of spectral radiance measurements at a plurality of wavelengths is received from a surface of an object being measured. The plurality of the spectral radiance measurements is fit to a scaled version of a black body curve, the fitting comprising determining a temperature of the scaled version of the black body curve. The temperature is then output. The present disclosure is not to be construed as limiting and is instead directed toward all novel and nonobvious features and aspects of the various disclosed embodiments, alone or in various combinations and subcombinations with one another.

  19. BV solutions of rate independent differential inclusions

    Czech Academy of Sciences Publication Activity Database

    Krejčí, Pavel; Recupero, V.

    2014-01-01

    Roč. 139, č. 4 (2014), s. 607-619 ISSN 0862-7959 R&D Projects: GA ČR GAP201/10/2315 Institutional support: RVO:67985840 Keywords : differential inclusion * stop operator * rate independence * convex set Subject RIV: BA - General Mathematics http://hdl.handle.net/10338.dmlcz/144138

  20. Comparing BV solutions of rate independent processes

    Czech Academy of Sciences Publication Activity Database

    Krejčí, Pavel; Recupero, V.

    2014-01-01

    Roč. 21, č. 1 (2014), s. 121-146 ISSN 0944-6532 R&D Projects: GA ČR GAP201/10/2315 Institutional support: RVO:67985840 Keywords : variational inequalities * rate independence * convex sets Subject RIV: BA - General Mathematics Impact factor: 0.552, year: 2014 http://www.heldermann.de/JCA/JCA21/JCA211/jca21006.htm

  1. Lessons from independence

    International Nuclear Information System (INIS)

    Hauptfuhrer, R.R.

    1990-01-01

    The recent history of Oryx provides invaluable lessons for those who plan future energy strategies, relates the author of this paper. When Oryx became an independent oil and gas company, its reserves were declining, its stock was selling below asset values, and the price of oil seemed stuck below $15 per barrel. The message from Oryx management to Oryx employees was: We are in charge of our own destiny. We are about to create our own future. Oryx had developed a new, positive corporate culture and the corporate credit required for growth. This paper points to two basic principles that have guided the metamorphosis in Oryx's performance. The first objective was to improve operational efficiency and to identify the right performance indicators to measure this improvement. It states that the most critical performance indicator for an exploration and production company must be replacement and expansion of reserves at a competitive replacement cost. Oryx has cut its finding costs from $12 to $5 per barrel, while the BP acquisition provided proven reserves at a cost of only $4 per barrel. Another performance indicator measures Oryx's standing in the financial markets

  2. Kuues lend / Rait Avestik

    Index Scriptorium Estoniae

    Avestik, Rait, 1974-

    2007-01-01

    Tartu Ülikooli Viljandi kultruuriakadeemia teatrikunsti VI lennu diplomilavastused: Dario Fo "Müsterium buff", lavastaja Peeter Raudsepp; Anton Tshehhovi "Kolm õde", lavastaja-koreograaf Oleg Titov; Janusz Glowacki "Fortinbras jõi end täis", lavastajad Kalju Komissaarov ja Sven Heiberg. Lühidalt uutest diplomeeritud lavastajatest - Jaanika Juhanson ja Kati Kivitar

  3. Ohtlik lend / Iain Carson

    Index Scriptorium Estoniae

    Carson, Iain

    2006-01-01

    Majanduslikesse raskustesse sattunud Euroopa tsiviillennukite tootjat Airbus, mis kuulub Prantsuse-Saksa-Hispaania emafirmale European Aeronautic Defence and Space (EADS), ootab ees natsionaliseerimine kolme riigi poolt

  4. Supermani lend / Timo Diener

    Index Scriptorium Estoniae

    Diener, Timo

    2005-01-01

    Kuidas sündis legendaarne fantastiline seiklusfilm "Superman" : režissöör Richard Donner : nimiosas Christopher Reeve : Ameerika Ühendriigid 1978. Järgneb 14. veebr. 2005, lk. 38 ; 28. veebr. 2005, lk. 38

  5. CONTAIN independent peer review

    International Nuclear Information System (INIS)

    Boyack, B.E.; Corradini, M.L.; Khatib-Rahbar, M.; Loyalka, S.K.; Smith, P.N.

    1995-01-01

    The CONTAIN code was developed by Sandia National Laboratories under the sponsorship of the US Nuclear Regulatory Commission (NRC) to provide integrated analyses of containment phenomena. It is used to predict nuclear reactor containment loads, radiological source terms, and associated physical phenomena for a range of accident conditions encompassing both design-basis and severe accidents. The code's targeted applications include support for containment-related experimental programs, light water and advanced light water reactor plant analysis, and analytical support for resolution of specific technical issues such as direct containment heating. The NRC decided that a broad technical review of the code should be performed by technical experts to determine its overall technical adequacy. For this purpose, a six-member CONTAIN Peer Review Committee was organized and a peer review as conducted. While the review was in progress, the NRC issued a draft ''Revised Severe Accident Code Strategy'' that incorporated revised design objectives and targeted applications for the CONTAIN code. The committee continued its effort to develop findings relative to the original NRC statement of design objectives and targeted applications. However, the revised CONTAIN design objectives and targeted applications. However, the revised CONTAIN design objectives and targeted applications were considered by the Committee in assigning priorities to the Committee's recommendations. The Committee determined some improvements are warranted and provided recommendations in five code-related areas: (1) documentation, (2) user guidance, (3) modeling capability, (4) code assessment, and (5) technical assessment

  6. CONTAIN independent peer review

    Energy Technology Data Exchange (ETDEWEB)

    Boyack, B.E. [Los Alamos National Lab., NM (United States); Corradini, M.L. [Univ. of Wisconsin, Madison, WI (United States). Nuclear Engineering Dept.; Denning, R.S. [Battelle Memorial Inst., Columbus, OH (United States); Khatib-Rahbar, M. [Energy Research Inc., Rockville, MD (United States); Loyalka, S.K. [Univ. of Missouri, Columbia, MO (United States); Smith, P.N. [AEA Technology, Dorchester (United Kingdom). Winfrith Technology Center

    1995-01-01

    The CONTAIN code was developed by Sandia National Laboratories under the sponsorship of the US Nuclear Regulatory Commission (NRC) to provide integrated analyses of containment phenomena. It is used to predict nuclear reactor containment loads, radiological source terms, and associated physical phenomena for a range of accident conditions encompassing both design-basis and severe accidents. The code`s targeted applications include support for containment-related experimental programs, light water and advanced light water reactor plant analysis, and analytical support for resolution of specific technical issues such as direct containment heating. The NRC decided that a broad technical review of the code should be performed by technical experts to determine its overall technical adequacy. For this purpose, a six-member CONTAIN Peer Review Committee was organized and a peer review as conducted. While the review was in progress, the NRC issued a draft ``Revised Severe Accident Code Strategy`` that incorporated revised design objectives and targeted applications for the CONTAIN code. The committee continued its effort to develop findings relative to the original NRC statement of design objectives and targeted applications. However, the revised CONTAIN design objectives and targeted applications. However, the revised CONTAIN design objectives and targeted applications were considered by the Committee in assigning priorities to the Committee`s recommendations. The Committee determined some improvements are warranted and provided recommendations in five code-related areas: (1) documentation, (2) user guidance, (3) modeling capability, (4) code assessment, and (5) technical assessment.

  7. Commonwealth of (Independent States

    Directory of Open Access Journals (Sweden)

    Vrućinić Dušan

    2013-01-01

    Full Text Available Following the stages from the establishment itself to the present day of the functioning of such a specific regional organization as the Commonwealth of Independent States (CIS, the article seeks to further explain the meaning of its existence, efficiency and functioning. The CIS was created in order to make the dissolution of a major world super-power, which throughout the 20th century together with the USA defined the bipolar world, as painless as possible, especially for the new countries and its nationally and ethnically diverse population. During the early years after the dissolution of the USSR, the CIS played a major role in a more flexible and less severe dissolution of the Soviet empire, alleviating the consequences for its people. A more efficient functioning among the republics in all fields was also one of the tasks of the Commonwealth, to which it was devoted to the extent which was permitted by the then, not too favourable circumstances. Difficult years of economic crisis did not allow the CIS to mutually integrate its members as much as possible on the economy level. Thanks to the economic recovery of the post-Soviet states in the early 21st century, the Commonwealth has also been transformed, reformed, and renewed, and all this in order to achieve better and more fruitful cooperation between the members. The CIS may serve as a proper example of how the former Soviet Union states are inextricably linked by social, security-political, economic, cultural, communication-transport, and other ties, thanks to the centuries-long existence of the peoples of these states in this area, despite both internal and external factors which occasionally, but temporarily halt the post-Soviet integration. Mathematically expressed, the CIS members are naturally predisposed, to be reciprocally depended on each other, just as they also have the capacity for successful cooperation in the future times and epochs brought on by the modern world.

  8. Media independence and dividend policy

    DEFF Research Database (Denmark)

    Farooq, Omar; Dandoune, Salma

    2012-01-01

    independence and dividend policies in emerging markets. Using a dataset from twenty three emerging markets, we show a significantly negative relationship between dividend policies (payout ratio and decision to pay dividend) and media independence. We argue that independent media reduces information asymmetries...... for stock market participants. Consequently, stock market participants in emerging markets with more independent media do not demand as high and as much dividends as their counterparts in emerging markets with less independent media. We also show that press independence is more important in defining......Can media pressurize managers to disgorge excess cash to shareholders? Do firms in countries with more independent media follow different dividend policies than firms with less independent media? This paper seeks to answer these questions and aims to document the relationship between media...

  9. Independent Schools Examine Ways to Support Students' Sleep

    Science.gov (United States)

    Stewart, Sarah

    2015-01-01

    Two-thirds of high school students get less than eight to 10 hours of sleep per night according to the Centers for Disease Control and Prevention (CDC). Sleep deprivation in teens has been linked to poor academic performance, reduced immunity, obesity, ADD-like symptoms, and even drug and alcohol use. For years, experts have said that early school…

  10. A best practice in education and support services for independent living of intellectually disabled youth and adults in Mexico La mejor práctica en servicios educativos y de apoyo para la vida independiente para jóvenes y adultos con discapacidad intelectual en México

    Directory of Open Access Journals (Sweden)

    Gregorio Katz

    2008-01-01

    Full Text Available This article describes a best practice in the field of intellectual disability, a program for independent living offered by the Center for Integral Training and Development (CADI per its abbreviation in Spanish for people with intellectual disability in Mexico. A detailed description of an effective program that fosters autonomy, social inclusion and high quality of life in people with intellectual disability is presented. The program encompasses four areas: a a therapeutic academic area that teaches applied living skills; b development of social skills; c development of vocational skills, and d skills for independent living. The program is divided into three levels: a initiation to independent living, where clients develop basic abilities for autonomy, b community integration and social independence, which provides clients with the skills necessary for social inclusion and economic independence, and c practical and psychological support, which offers counseling for resolving psychological issues and enables subjects to maintain their autonomy.Este artículo describe una "mejor práctica" en la capacitación para el logro de vida independiente, inclusión social y alta calidad de vida en personas con discapacidad intelectual. Se describe en detalle del programa ofrecido por el Centro de Capacitación y Desarrollo Integral (CADI, en México. Dicho programa tiene cuatro áreas: 1 área académico-terapéutica para el desarrollo de destrezas prácticas para la vida independiente; 2 área para el desarrollo personal y de habilidades sociales; 3 área para el desarrollo de habilidades laborales; y 4 área para el desarrollo de habilidades aplicadas a la vida independiente. El programa se divide en tres niveles: a iniciación a la vida independiente, donde se desarrollan las habilidades básicas necesarias para el logro de su autonomía; b integración comunitaria e independencia social que provee a los clientes las destrezas necesarias para su

  11. Moonshine: Diurnally varying hydration through natural distillation on the Moon, detected by the Lunar Exploration Neutron Detector (LEND)

    Science.gov (United States)

    Livengood, T. A.; Chin, G.; Sagdeev, R. Z.; Mitrofanov, I. G.; Boynton, W. V.; Evans, L. G.; Litvak, M. L.; McClanahan, T. P.; Sanin, A. B.; Starr, R. D.; Su, J. J.

    2015-07-01

    The Lunar Exploration Neutron Detector (LEND), on the polar-orbiting Lunar Reconnaissance Orbiter (LRO) spacecraft, has detected suppression in the Moon's naturally-occurring epithermal neutron leakage flux that is consistent with the presence of diurnally varying quantities of hydrogen in the regolith near the equator. Peak hydrogen concentration (neutron flux suppression) is on the dayside of the dawn terminator and diminishes through the dawn-to-noon sector. The minimum concentration of hydrogen is in the late afternoon and dusk sector. The chemical form of hydrogen is not determinable from these measurements, but other remote sensing methods and anticipated elemental availability suggest water molecules or hydroxyl ions. Signal-to-noise ratio at maximum contrast is 5.6σ in each of two detector systems. Volatiles are deduced to collect in or on the cold nightside surface and distill out of the regolith after dawn as rotation exposes the surface to sunlight. Liberated volatiles migrate away from the warm subsolar region toward the nearby cold nightside surface beyond the terminator, resulting in maximum concentration at the dawn terminator. The peak concentration within the upper ∼1 m of regolith is estimated to be 0.0125 ± 0.0022 weight-percent water-equivalent hydrogen (wt% WEH) at dawn, yielding an accumulation of 190 ± 30 ml recoverable water per square meter of regolith at each dawn. Volatile transport over the lunar surface in opposition to the Moon's rotation exposes molecules to solar ultraviolet radiation. The short lifetime against photolysis and permanent loss of hydrogen from the Moon requires a resupply rate that greatly exceeds anticipated delivery of hydrogen by solar wind implantation or by meteoroid impacts, suggesting that the surface inventory must be continually resupplied by release from a deep volatile inventory in the Moon. The natural distillation of water from the regolith by sunlight and its capture on the cold night surface may

  12. Regulatory challenges faced first Indonesia NPPs by independent TSOs

    International Nuclear Information System (INIS)

    Sri Budi Utami

    2010-01-01

    Technical and scientific support organizations (TSOs) dedicated to supporting national regulatory authorities. At present BAPETEN has internal TSOs. Pertaining to the regulatory control of nuclear safety, security, and safeguards for nuclear power plants (NPPs), independent TSOs providing support to the safety regulatory bodies are facing a number of technical challenges to ensuring the safety of NPPs. It is essential that BAPETEN need independent TSOs in order to warrant a sufficient level of safety, security and non proliferation in building and operating of first NPP. It is essential that BAPETEN need independent TSOs in order to warrant a sufficient level of safety, security and non proliferation in building and operating of first NPPs. (author)

  13. Opportunities in independent gas storage

    International Nuclear Information System (INIS)

    Daniel, R.

    1999-01-01

    The range of business opportunities currently available for the midstream oil and gas business were discussed with particular focus on storage opportunities. Alberta Energy Co. (AEC) Ltd.'s two midstream business units include AEC Pipelines and Gas Processing, and AEC Storage and Hub Services. These two businesses provide the company with good investment returns, stable cash flow, and some significant strategic synergies with their exploration and production businesses. In 1988, the AECO C Hub in southeastern Alberta was created as an outgrowth of AEC's gas production operations on the Suffield block, where they had depleted gas reservoirs with high rock quality suitable for high deliverability storage. With the AECO C Hub, AEC was able to offer firm storage contracts of from 1 to 20 years, and to introduce short term interruptible parking and lending services, title exchange, a spot price index for greater price discovery, and an electronic nomination system. AEC is currently completing construction of their second commercial storage facility, the Wild Goose project, in northern California. D ebottlenecking' the Western Canada supply basin should provide additional opportunities for further expansion not only for AEC but also for other midstream service providers. Opportunities are especially available in the areas of new storage facilities to serve location-specific needs, replacement of declining storage capacity, replacement of retiring facilities, technological optimization of existing facilities, more flexible, higher deliverability facilities and commercial optimization of existing facilities. A map of the hubs and market centres of North America are included. 5 figs

  14. INDEPENDENT DE-DUPLICATION IN DATA CLEANING

    Directory of Open Access Journals (Sweden)

    Ajumobi Udechukwu

    2012-07-01

    Full Text Available Many organizations collect large amounts of data to support their business anddecision-making processes. The data originate from a variety of sources that may haveinherent data-quality problems. These problems become more pronounced whenheterogeneous data sources are integrated (for example, in data warehouses. A majorproblem that arises from integrating different databases is the existence of duplicates. Thechallenge of de-duplication is identifying “equivalent” records within the database. Mostpublished research in de-duplication propose techniques that rely heavily on domainknowledge. A few others propose solutions that are partially domain-independent. Thispaper identifies two levels of domain-independence in de-duplication namely: domainindependenceat the attribute level, and domain-independence at the record level. Thepaper then proposes a positional algorithm that achieves domain-independent deduplicationat the attribute level, and a technique for field weighting by data profiling,which, when used with the positional algorithm, achieves domain-independence at therecord level. Experiments show that the proposed techniques achieve more accurate deduplicationthan the existing algorithms.

  15. Did the ctenophore nervous system evolve independently?

    Science.gov (United States)

    Ryan, Joseph F

    2014-08-01

    Recent evidence supports the placement of ctenophores as the most distant relative to all other animals. This revised animal tree means that either the ancestor of all animals possessed neurons (and that sponges and placozoans apparently lost them) or that ctenophores developed them independently. Differentiating between these possibilities is important not only from a historical perspective, but also for the interpretation of a wide range of neurobiological results. In this short perspective paper, I review the evidence in support of each scenario and show that the relationship between the nervous system of ctenophores and other animals is an unsolved, yet tractable problem. Copyright © 2014 Elsevier GmbH. All rights reserved.

  16. Boards: Independent and Committed Directors?

    OpenAIRE

    Christophe Volonté

    2011-01-01

    Regulators, proxy advisors and shareholders are regularly calling for independent directors. However, at the same time, independent directors commonly engage in numerous outside activities potentially reducing their time and commitment with the particular firm. Using Tobin's Q as an approximation of market valuation and controlling for endogeneity, our empirical analysis reveals that neither is independence positively related to firm performance nor are outside activities negatively related t...

  17. Nuclear, uranium, reserves, sustainability, independence; Nucleaire, Uranium, reserves, durabilite, independance

    Energy Technology Data Exchange (ETDEWEB)

    Acket, C

    2007-06-15

    In order to evaluate the energy independence concerning the nuclear energy, the author takes the state of the art about the uranium. He details the fuel needs, the reserves on the base of the today available techniques, the reserves on the base of the future techniques and concludes positively on the energy independence for the nuclear. (A.L.B.)

  18. Gravity Independent Compressor, Phase I

    Data.gov (United States)

    National Aeronautics and Space Administration — We propose to develop and demonstrate a small, gravity independent, vapor compression refrigeration system using a linear motor compressor which effectively...

  19. Verification of Linear (In)Dependence in Finite Precision Arithmetic

    Czech Academy of Sciences Publication Activity Database

    Rohn, Jiří

    2014-01-01

    Roč. 8, č. 3-4 (2014), s. 323-328 ISSN 1661-8289 Institutional support: RVO:67985807 Keywords : linear dependence * linear independence * pseudoinverse matrix * finite precision arithmetic * verification * MATLAB file Subject RIV: BA - General Mathematics

  20. LEADING SECTOR DEVELOPMENT AND IT'S IMPLICATONS ON THE LENDING PORTFOLIO AND NON-PERFORMING LOAN OF SMALL MEDIUM ENTERPRISES

    Directory of Open Access Journals (Sweden)

    Dewi Margareth Lumbantoruan

    2015-05-01

    Full Text Available The research objectives were to analyze the condition of the SMEs lending portfolio and a comprehensive strategy to ensure that the SMEs Line of Business could grow sustainably. There are several analytical methods employed in this study, such as Location Quotient (LQ and Klassen Typology methods. The consolidated results of both analyses will be developed as a leading sector. The sectors that will be selected based on the result from the Location Quotient analysis include the sectors in the 4th quadrant and the 1st Quadrant. The analysis showed that 12 economic sectors spread throughout 33 provinces are considered to be the leading sectors, where the Transportation, Financial Intermediaries and Fisheries are the sectors that have the highest distribution in the 4th Quadrant while the Fisheries, Wholesale and Retail, as well as the Agriculture are the sectors which also have a high level of distribution in the 1st quadrant. The sectors that will be chosen based on the results from the Klassen Typology analysis include the sectors in the 1st quadrant. The analysis showed that there are 12 economic sectors spread throughout 31 provinces considered to be developed and fast-growing sectors, where the Agriculture, Fisheries, and Construction are the sectors that have the highest distribution. The consolidated results of the both analyses showed that the leading sectors consist of 10 economic sectors, namely, Agriculture, Fisheries, Processing industry, Social services, Construction, Electricity, Gas and Water, the Provider of accommodation and eating and drinking, Mining, Wholesale and Retail, and Transportation spread throughout  27 provinces. Leading sectors are not the same in every province, although there are certain sectors that excel in several provinces, but there is also one dominant sector that exists only in certain provinces.Keywords:   location quotient, klassen typology, leading sector, SMEs, portfolioABSTRAKPenelitian ini bertujuan

  1. Conflict in Independent Catholic Schools

    Science.gov (United States)

    Guernsey, Dan; Barott, James

    2008-01-01

    Independent Catholic schools are a growing phenomenon in the Catholic Church in America. This article provides a contextualized account of the phenomenon by examining via a field observation the experience of two independent Catholic schools in two different dioceses. These schools were founded in conflict and beset by continued conflict to the…

  2. Defining and Selecting Independent Directors

    Directory of Open Access Journals (Sweden)

    Eric Pichet

    2017-10-01

    Full Text Available Drawing from the Enlightened Shareholder Theory that the author first developed in 2011, this theoretical paper with practical and normative ambitions achieves a better definition of independent director, while improving the understanding of the roles he fulfils on boards of directors. The first part defines constructs like firms, Governance system and Corporate governance, offering a clear distinction between the latter two concepts before explaining the four main missions of a board. The second part defines the ideal independent director by outlining the objective qualities that are necessary and adding those subjective aspects that have turned this into a veritable profession. The third part defines the ideal process for selecting independent directors, based on nominating committees that should themselves be independent. It also includes ways of assessing directors who are currently in function, as well as modalities for renewing their mandates. The paper’s conclusion presents the Paradox of the Independent Director.

  3. Culture-independence for surveillance and epidemiology.

    Science.gov (United States)

    Kirkup, Benjamin C

    2013-09-24

    Culture-independent methods in microbiology (quantitative PCR (qPCR), sequencing, microarrays, direct from sample matrix assisted laser desorption/ionization time of flight mass spectroscopy (MALDI-TOF MS), etc.) are disruptive technology. Rather than providing the same results as culture-based methods more quickly, more cheaply or with improved accuracy, they reveal an unexpected diversity of microbes and illuminate dark corners of undiagnosed disease. At times, they overturn existing definitions of presumably well-understood infections, generating new requirements for clinical diagnosis, surveillance and epidemiology. However, current diagnostic microbiology, infection control and epidemiology rest principally on culture methods elegantly optimized by clinical laboratorians. The clinical significance is interwoven; the new methods are out of context, difficult to interpret and impossible to act upon. Culture-independent diagnostics and surveillance methods will not be deployed unless the reported results can be used to select specific therapeutics or infection control measures. To cut the knots surrounding the adoption of culture-independent methods in medical microbiology, culture-dependent methods should be supported by consistent culture-independent methods providing the microbial context. This will temper existing biases and motivate appropriate scrutiny of the older methods and results.

  4. Culture-Independence for Surveillance and Epidemiology

    Directory of Open Access Journals (Sweden)

    Benjamin C. Kirkup

    2013-09-01

    Full Text Available Culture-independent methods in microbiology (quantitative PCR (qPCR, sequencing, microarrays, direct from sample matrix assisted laser desorption/ionization time of flight mass spectroscopy (MALDI-TOF MS, etc. are disruptive technology. Rather than providing the same results as culture-based methods more quickly, more cheaply or with improved accuracy, they reveal an unexpected diversity of microbes and illuminate dark corners of undiagnosed disease. At times, they overturn existing definitions of presumably well-understood infections, generating new requirements for clinical diagnosis, surveillance and epidemiology. However, current diagnostic microbiology, infection control and epidemiology rest principally on culture methods elegantly optimized by clinical laboratorians. The clinical significance is interwoven; the new methods are out of context, difficult to interpret and impossible to act upon. Culture-independent diagnostics and surveillance methods will not be deployed unless the reported results can be used to select specific therapeutics or infection control measures. To cut the knots surrounding the adoption of culture-independent methods in medical microbiology, culture-dependent methods should be supported by consistent culture-independent methods providing the microbial context. This will temper existing biases and motivate appropriate scrutiny of the older methods and results.

  5. A domain-independent descriptive design model and its application to structured reflection on design processes

    NARCIS (Netherlands)

    Reymen, Isabelle; Hammer, D.K.; Kroes, P.A.; van Aken, Joan Ernst; van Aken, J.E.; Dorst, C.H.; Bax, M.F.T.; Basten, T

    2006-01-01

    Domain-independent models of the design process are an important means for facilitating interdisciplinary communication and for supporting multidisciplinary design. Many so-called domain-independent models are, however, not really domain independent. We state that to be domain independent, the

  6. Modelling the role of the design context in the design process: a domain-independent approach

    NARCIS (Netherlands)

    Reymen, Isabelle; Kroes, P.; Basten, T; Durling, D.; Shackleton, J.

    2002-01-01

    Domain-independent models of the design process are an important means for facilitating interdisciplinary communication and for supporting multidisciplinary design. Many so-called domain-independent models are, however, not really domain independent. We state that, to be domain independent, the

  7. Algae: America's Pathway to Independence

    National Research Council Canada - National Science Library

    Custer, James

    2007-01-01

    .... Oil dependency is an unacceptable risk to U.S. national strategy. This paper advocates independence from foreign oil by converting the national transportation fleet to biodiesel derived from algae...

  8. Logical independence and quantum randomness

    International Nuclear Information System (INIS)

    Paterek, T; Kofler, J; Aspelmeyer, M; Zeilinger, A; Brukner, C; Prevedel, R; Klimek, P

    2010-01-01

    We propose a link between logical independence and quantum physics. We demonstrate that quantum systems in the eigenstates of Pauli group operators are capable of encoding mathematical axioms and show that Pauli group quantum measurements are capable of revealing whether or not a given proposition is logically dependent on the axiomatic system. Whenever a mathematical proposition is logically independent of the axioms encoded in the measured state, the measurement associated with the proposition gives random outcomes. This allows for an experimental test of logical independence. Conversely, it also allows for an explanation of the probabilities of random outcomes observed in Pauli group measurements from logical independence without invoking quantum theory. The axiomatic systems we study can be completed and are therefore not subject to Goedel's incompleteness theorem.

  9. Logical independence and quantum randomness

    Energy Technology Data Exchange (ETDEWEB)

    Paterek, T; Kofler, J; Aspelmeyer, M; Zeilinger, A; Brukner, C [Institute for Quantum Optics and Quantum Information, Austrian Academy of Sciences, Boltzmanngasse 3, A-1090 Vienna (Austria); Prevedel, R; Klimek, P [Faculty of Physics, University of Vienna, Boltzmanngasse 5, A-1090 Vienna (Austria)], E-mail: tomasz.paterek@univie.ac.at

    2010-01-15

    We propose a link between logical independence and quantum physics. We demonstrate that quantum systems in the eigenstates of Pauli group operators are capable of encoding mathematical axioms and show that Pauli group quantum measurements are capable of revealing whether or not a given proposition is logically dependent on the axiomatic system. Whenever a mathematical proposition is logically independent of the axioms encoded in the measured state, the measurement associated with the proposition gives random outcomes. This allows for an experimental test of logical independence. Conversely, it also allows for an explanation of the probabilities of random outcomes observed in Pauli group measurements from logical independence without invoking quantum theory. The axiomatic systems we study can be completed and are therefore not subject to Goedel's incompleteness theorem.

  10. The Independent Payment Advisory Board.

    Science.gov (United States)

    Manchikanti, Laxmaiah; Falco, Frank J E; Singh, Vijay; Benyamin, Ramsin M; Hirsch, Joshua A

    2011-01-01

    The Independent Payment Advisory Board (IPAB) is a vastly powerful component of the president's health care reform law, with authority to issue recommendations to reduce the growth in Medicare spending, providing recommendations to be considered by Congress and implemented by the administration on a fast track basis. Ever since its inception, IPAB has been one of the most controversial issues of the Patient Protection and Affordable Care Act (ACA), even though the powers of IPAB are restricted and multiple sectors of health care have been protected in the law. IPAB works by recommending policies to Congress to help Medicare provide better care at a lower cost, which would include ideas on coordinating care, getting rid of waste in the system, providing incentives for best practices, and prioritizing primary care. Congress then has the power to accept or reject these recommendations. However, Congress faces extreme limitations, either to enact policies that achieve equivalent savings, or let the Secretary of Health and Human Services (HHS) follow IPAB's recommendations. IPAB has strong supporters and opponents, leading to arguments in favor of or against to the extreme of introducing legislation to repeal IPAB. The origins of IPAB are found in the ideology of the National Institute for Health and Clinical Excellence (NICE) and the impetus of exploring health care costs, even though IPAB's authority seems to be limited to Medicare only. The structure and operation of IPAB differs from Medicare and has been called the Medicare Payment Advisory Commission (MedPAC) on steroids. The board membership consists of 15 full-time members appointed by the president and confirmed by the Senate with options for recess appointments. The IPAB statute sets target growth rates for Medicare spending. The applicable percent for maximum savings appears to be 0.5% for year 2015, 1% for 2016, 1.25% for 2017, and 1.5% for 2018 and later. The IPAB Medicare proposal process involves

  11. Independent production and Poisson distribution

    International Nuclear Information System (INIS)

    Golokhvastov, A.I.

    1994-01-01

    The well-known statement of factorization of inclusive cross-sections in case of independent production of particles (or clusters, jets etc.) and the conclusion of Poisson distribution over their multiplicity arising from it do not follow from the probability theory in any way. Using accurately the theorem of the product of independent probabilities, quite different equations are obtained and no consequences relative to multiplicity distributions are obtained. 11 refs

  12. How Adults with Learning Disabilities View Living Independently

    Science.gov (United States)

    Bond, Rebecca J.; Hurst, Jenni

    2010-01-01

    It is seen as increasingly important for people with learning disabilities to be supported to live independently and manage their own self care, productivity and leisure activities. This qualitative study explored the experiences of nine adults with mild learning disabilities who lived alone with minimal support. Their narratives were analysed…

  13. On conditional independence and log-convexity

    Czech Academy of Sciences Publication Activity Database

    Matúš, František

    2012-01-01

    Roč. 48, č. 4 (2012), s. 1137-1147 ISSN 0246-0203 R&D Projects: GA AV ČR IAA100750603; GA ČR GA201/08/0539 Institutional support: RVO:67985556 Keywords : Conditional independence * Markov properties * factorizable distributions * graphical Markov models * log-convexity * Gibbs- Markov equivalence * Markov fields * Gaussian distributions * positive definite matrices * covariance selection model Subject RIV: BA - General Mathematics Impact factor: 0.933, year: 2012 http://library.utia.cas.cz/separaty/2013/MTR/matus-0386229.pdf

  14. Counting Dependent and Independent Strings

    Science.gov (United States)

    Zimand, Marius

    We derive quantitative results regarding sets of n-bit strings that have different dependency or independency properties. Let C(x) be the Kolmogorov complexity of the string x. A string y has α dependency with a string x if C(y) - C(y |x) ≥ α. A set of strings {x 1, ..., x t } is pairwise α-independent if for all inot=j, C(x i ) - C(x i |x j ) ≤ α. A tuple of strings (x 1, ..., x t ) is mutually α-independent if C(x π(1) ... x π(t)) ≥ C(x 1) + ... + C(x t ) - α, for every permutation π of [t]. We show that:

  15. Food Independence of the Region

    Directory of Open Access Journals (Sweden)

    Vasiliy Vladimirovich Tyutyunik

    2016-06-01

    Full Text Available The article deals with such basic definitions as food security, food independence and food self- sufficiency of the region. The author shows the ambiguity problem of interpretations of these terms in the Russian legislation, which is especially evident in the transition from the national to the regional level. Using the example of legislative acts of some of the Russian Federation’s subjects the study demonstrates the incorrect use of mentioned terms. In author’s opinion, regional authorities in the Russian Federation must introduce amendments to the legislative documents concerning food security. To be more concrete, the regional authorities should either deny the goal of food independence for a particular region, or specify that the goal of reaching food independence for the region does not mean food self-sufficiency, but just import substitution on the regional level

  16. Introduction to algebraic independence theory

    CERN Document Server

    Philippon, Patrice

    2001-01-01

    In the last five years there has been very significant progress in the development of transcendence theory. A new approach to the arithmetic properties of values of modular forms and theta-functions was found. The solution of the Mahler-Manin problem on values of modular function j(tau) and algebraic independence of numbers pi and e^(pi) are most impressive results of this breakthrough. The book presents these and other results on algebraic independence of numbers and further, a detailed exposition of methods created in last the 25 years, during which commutative algebra and algebraic geometry exerted strong catalytic influence on the development of the subject.

  17. 10 Questions about Independent Reading

    Science.gov (United States)

    Truby, Dana

    2012-01-01

    Teachers know that establishing a robust independent reading program takes more than giving kids a little quiet time after lunch. But how do they set up a program that will maximize their students' gains? Teachers have to know their students' reading levels inside and out, help them find just-right books, and continue to guide them during…

  18. Supplying safety and energy independence

    International Nuclear Information System (INIS)

    Maillard, D.

    2001-03-01

    The french Observatory of the Energy wonders about the energy independence notion. Many risks are possible: physical, economical, geo-political, social and ecological risks. Because those risks are numerous, the answers for a supplying safety are also numerous. In this context the energy policy is a difficult art which the public opinion needs to be more and more aware. (A.L.B.)

  19. Independent Study Project, Topic: Topology.

    Science.gov (United States)

    Notre Dame High School, Easton, PA.

    Using this guide and the four popular books noted in it, a student, working independently, will learn about some of the classical ideas and problems of topology: the Meobius strip and Klein bottle, the four color problem, genus of a surface, networks, Euler's formula, and the Jordan Curve Theorem. The unit culminates in a project of the students'…

  20. The Regulatory Independence of FANR

    International Nuclear Information System (INIS)

    ALNuaimi, Fatema; Choi, Kwang Shik

    2012-01-01

    Regulatory independence is meant to provide a conservative system of policy making in order to comply with the problems that are forecasted upon the basis of assumptions. The Federal Authorization of Nuclear Regulation (FANR) is a regulatory commission that was formed to be regulatory body that governs the generation of nuclear power in United Arab Emirates. It was established under the UAE nuclear law (9/2009) as an independent regulatory body that was tasked with the regulation of all nuclear activities in the United Arab Emirates. As an independent body, FANR was tasked with ensuring that the regulation of the nuclear sector is done in effective and transparent manner to ensure its accountability to the people. Being independent, the regulatory body develops national nuclear regulations based on laid down safety standards by the International Atomic Energy Agency, ensuring that they are based on scientific and proven technologies The role of FANR is to ensure that the all corporations that undertake nuclear activities follow the laid down procedures and objectives and ensure safety measures are taken keenly to ensure the safety of the workers and the general public while at the same time ensuring the environment is free from nuclear radiations

  1. Characteristics of Independent Music Teachers

    Science.gov (United States)

    Upitis, Rena; Abrami, Philip C.; Brook, Julia; Boese, Karen; King, Matthew

    2017-01-01

    The purpose of the present study was to learn about the characteristics of independent music teachers, their beliefs about music teaching, and their studio practices. A self-report survey included questions about the teachers' (a) background experiences, (b) pedagogical approaches, (c) use of digital technologies, and (d) professional development…

  2. Un modello econometrico per il credito bancario alle famiglie in Italia (An econometric model for bank lending to households in Italy

    Directory of Open Access Journals (Sweden)

    Luca Casolaro

    2012-04-01

    Full Text Available Questo lavoro presenta la stima di un modello econometrico per il credito bancario alle famiglie in Italia nel periodo 1984-2003. Il modello si compone di due equazioni: prestiti per l’acquisto di abitazioni e altri prestiti alle famiglie (tipicamente credito al consumo e finanziamenti in conto corrente. Entrambe le equazioni evidenziano uno stretto legame con l’andamento congiunturale dell’economia e il livello dei tassi di interesse reali; i mutui alle famiglie sono influenzati anche dalla dinamica del mercato immobiliare e di quello azionario. Il lavoro verifica l’esistenza di cambiamenti strutturali nelle equazioni in relazione alle trasformazioni intervenute nel mercato del credito nella seconda parte degli anni novanta e scompone il contributo alla crescita del credito alle famiglie tra i diversi fattori.  This paper presents the estimation of an econometric model for bank lending to households in Italy in the period 1984-2003. The model consists of two equations: loans for house purchase and other loans to households (typically consumer credit and loans in the current account. Both equations show a close relationship with the economic trend and the level of real interest rates; household mortgages are also influenced by the dynamics of the housing market and the equity market. The work verifies the existence of structural changes in the equations in relation to the changes occurred in the credit market in the second half of the nineties and breaks down the contribution to growth in lending to households between the different factors.  JEL Codes: D12, G21Keywords: credito bancario, famiglie, prestiti, modello econometrico

  3. Türkiye’de Banka Kredileri Kanalının İşleyişi Üzerine Ampirik Bir Analiz = Empirical Analysis of the Bank Lending Channel in Turkey

    Directory of Open Access Journals (Sweden)

    Sinem Gözde BEŞBALLI

    2010-01-01

    Full Text Available The effect of a change in monetary policy on output operates through monetary transmission channels. The transmission channels of monetary policy may be gathered in five main titles: interest rates channel, asset prices channel, exchange rate channel, credit channel (bank lending channel, balance sheet channel and expectation channel. Findings obtained from the analysis of the transmission channels can be used in policy determination.This paper empirically analyzes the bank lending channel, one of the transmission mechanisms of monetary policy in Turkey. In this paper, data between 1996:06-2006:09 are examined using VAR methodology. According to the findings, the credit channel in Turkey operates partially.

  4. Ki-67 Is an Independent Predictor of Metastasis and Cause-Specific Mortality for Prostate Cancer Patients Treated on Radiation Therapy Oncology Group (RTOG) 94-08

    Energy Technology Data Exchange (ETDEWEB)

    Verhoven, Bret [University of Wisconsin Carbone Cancer Center, Madison, Wisconsin (United States); Yan, Yan [RTOG Statistical Center, Philadelphia, Pennsylvania (United States); Ritter, Mark, E-mail: ritter@humonc.wisc.edu [University of Wisconsin Carbone Cancer Center, Madison, Wisconsin (United States); Khor, Li-Yan [Case Medical Center, Cleveland, Ohio (United States); Hammond, Elizabeth [LDS Hospital, Salt Lake City, Utah (United States); Jones, Christopher [Radiological Associates of Sacramento, Sacramento, California (United States); Amin, Mahul [Cedars-Sinai Medical Center, Los Angeles, California (United States); Bahary, Jean-Paul [Centre Hospitalier de l' Université de Montréal-Notre Dame, Montreal, Ontario (Canada); Zeitzer, Kenneth [Albert Einstein Medical Center, Philadelphia, Pennsylvania (United States); Pollack, Alan [University of Miami Miller School of Medicine, Miami, Florida (United States)

    2013-06-01

    Purpose: The association of Ki-67 staining index (Ki67-SI) with overall survival (OS), disease-specific mortality (DSM), distant metastasis (DM), and biochemical failure (BF) was examined in men with favorable- to intermediate-risk prostate cancer receiving radiation therapy (RT) alone or with short-term androgen deprivation (ADT) in Radiation Therapy Oncology Group (RTOG) 94-08. Methods and Materials: 468 patients (23.6%) on RTOG 94-08 had sufficient tissue for Ki67-SI analysis. The median follow-up time was 7.9 years. Ki67-SI was determined by immunohistochemistry and quantified manually and by image analysis. Correlative analysis versus clinical outcome was performed using the third quartile (≥Q3) cutpoint. A proportional hazards multivariable analysis (MVA) dichotomized covariates in accordance with trial stratification and randomization criteria. Results: In MVAs adjusted for all treatment covariates, high Ki67-SI (≥Q3) was correlated with increased DSM (hazard ratio [HR] 2.48, P=.03), DM (HR 3.5, P=.002), and BF (HR 3.55, P<.0001). MVA revealed similar Ki67-associated hazard ratios in each separate treatment arm for DSM, DM, and BF; these reached significance only for DM in the RT-alone arm and for BF in both arms. Ki67-SI was not a significant predictor of intraprostatic recurrence assessed by repeated biopsy 2 years after treatment. Patients with a high or low Ki67-SI seemed to experience a similar relative benefit from the addition of ADT to radiation. Conclusions: High Ki67-SI independently predicts for increased DSM, DM, and protocol BF in primarily intermediate-risk prostate cancer patients treated with RT with or without ADT on RTOG 94-08 but does not predict for local recurrence or for increased relative benefit from ADT. This and prior studies lend support for the use of Ki67-SI as a stratification factor in future trials.

  5. The relevance of financial information and contents of the new audit report for lending decisions of commercial banks

    Directory of Open Access Journals (Sweden)

    Marina Trpeska

    2017-12-01

    Full Text Available This research study examines the importance of financial information and information contained in the ISA’s New Audit Report effective from 2016 for lenders as capital providers. We base our findings on a survey conducted in September of 2016 with corporate loan officers for medium-large corporate clients in Macedonia. The results show that the annual report of the company, except for the management report and notes to the financial statements, has consistently high importance and usability for respondents’ decision making. Various accounting ratios related to liquidity, financial stability and profitability of the company are considered very important and regularly used in credit analysis. However, respondents were not consistent in their shared perceptions regarding high importance of projected profits and historical information on operating cash flows. All loan officers gave high importance to the information found in existent auditor’s report format regardless of the form of expressed opinion. Also, information on key audit matters, additional information on going concern and related auditor’s judgement, procedures related to fraud risk were considered of high importance. Lenders rated as less important the disclosure of the name of engagement partner, auditor’s statement on independence and compliance with ethical requirements and the level of materiality used in the audit.

  6. Online Crowdfunding Campaign for an Independent Video Game

    OpenAIRE

    Kivikangas, Inessa

    2014-01-01

    Over the past several years online reward-model crowdfunding platforms have become a popular tool for raising funds among independent game developers. Big success of several brilliant indie titles brought to the online crowdfunding platforms Kickstarter and Indiegogo hundreds of hopeful independent developers. However, apart from creating an excellent game indie developers have to be able to reach out to their audience and capture attention of potential supporters and gaming media. Time and e...

  7. [Accreditation of Independent Ethics Committees].

    Science.gov (United States)

    Ramiro Avilés, Miguel A

    According to Law 14/2007 and Royal Decree 1090/2015, biomedical research must be assessed by an Research Ethics Committee (REC), which must be accredited as an Research ethics committee for clinical trials involving medicinal products (RECm) if the opinion is issued for a clinical trial involving medicinal products or clinical research with medical devices. The aim of this study is to ascertain how IEC and IECm accreditation is regulated. National and regional legislation governing biomedical research was analysed. No clearly-defined IEC or IECm accreditation procedures exist in the national or regional legislation. Independent Ethics Committees are vital for the development of basic or clinical biomedical research, and they must be accredited by an external body in order to safeguard their independence, multidisciplinary composition and review procedures. Copyright © 2016 SESPAS. Publicado por Elsevier España, S.L.U. All rights reserved.

  8. A definition of background independence

    International Nuclear Information System (INIS)

    Gryb, Sean

    2010-01-01

    We propose a definition for background (in)/dependence in dynamical theories of the evolution of configurations that have a continuous symmetry and test this definition on particle models and on gravity. Our definition draws from Barbour's best matching framework developed for the purpose of implementing spatial and temporal relationalism. Among other interesting theories, general relativity can be derived within this framework in novel ways. We study the detailed canonical structure of a wide range of best matching theories and show that their actions must have a local gauge symmetry. When gauge theory is derived in this way, we obtain at the same time a conceptual framework for distinguishing between background-dependent and -independent theories. Gauge invariant observables satisfying Kuchar's criterion are identified and, in simple cases, explicitly computed. We propose a procedure for inserting a global background time into temporally relational theories. Interestingly, using this procedure in general relativity leads to unimodular gravity.

  9. Board Independence and Corporate Social Responsibility (CSR Reporting in Malaysia

    Directory of Open Access Journals (Sweden)

    Nurulyasmin Binti Ju Ahmad

    2017-06-01

    Full Text Available This study aims to examine the influence of board independence on corporate social responsibility (CSR reporting by publicly listed companies in Malaysia. Content analysis was used to determine the extent of CSR reporting. A reporting index consisting of 51 items was developed based on six themes: General, Community, Environment, Human Resources, Marketplace and Other. An Ordinary Least Square (OLS regression was used to examine the relationship between board independence and firm CSR reporting. The results indicate that the association between board independence and company CSR reporting is industry specific. Overall, the empirical evidence partially supports agency theory.

  10. Racing for conditional independence inference

    Czech Academy of Sciences Publication Activity Database

    Bouckaert, R. R.; Studený, Milan

    2005-01-01

    Roč. 3571, - (2005), s. 221-232 ISSN 0302-9743. [ECSQARU 2005. European Conference /8./. Barcelona, 06.07.2005-08.07.2005] R&D Projects: GA ČR GA201/04/0393; GA MŠk 1M0572 Institutional research plan: CEZ:AV0Z10750506 Keywords : conditional independence inference * imset * racing algorithms Subject RIV: BA - General Mathematics

  11. Mass-independent isotope effects.

    Science.gov (United States)

    Buchachenko, Anatoly L

    2013-02-28

    Three fundamental properties of atomic nuclei-mass, spin (and related magnetic moment), and volume-are the source of isotope effects. The mostly deserved and popular, with almost hundred-year history, is the mass-dependent isotope effect. The first mass-independent isotope effect which chemically discriminates isotopes by their nuclear spins and nuclear magnetic moments rather than by their masses was detected in 1976. It was named as the magnetic isotope effect because it is controlled by magnetic interaction, i.e., electron-nuclear hyperfine coupling in the paramagnetic species, the reaction intermediates. The effect follows from the universal physical property of chemical reactions to conserve angular momentum (spin) of electrons and nuclei. It is now detected for oxygen, silicon, sulfur, germanium, tin, mercury, magnesium, calcium, zinc, and uranium in a great variety of chemical and biochemical reactions including those of medical and ecological importance. Another mass-independent isotope effect was detected in 1983 as a deviation of isotopic distribution in reaction products from that which would be expected from the mass-dependent isotope effect. On the physical basis, it is in fact a mass-dependent effect, but it surprisingly results in isotope fractionation which is incompatible with that predicted by traditional mass-dependent effects. It is supposed to be a function of dynamic parameters of reaction and energy relaxation in excited states of products. The third, nuclear volume mass-independent isotope effect is detected in the high-resolution atomic and molecular spectra and in the extraction processes, but there are no unambiguous indications of its importance as an isotope fractionation factor in chemical reactions.

  12. The Symbolic Independence From Power

    OpenAIRE

    Luisa Muraro

    2009-01-01

    Muraro’s article begins from the philosophical question of the ‘unthought’, and asks how our very image of thought is transformed when the thinking subject is a woman, and her thought is specifically linked to the experience of a body. On the basis of a feminist interrogation of sexual difference which reveals the forms of violence inherent in certain claims to universality, Muraro tries to develop a thinking of politics which would rest on its symbolic distance or independence from power. Th...

  13. 5 Tips for Creating Independent Activities Aligned with the Common Core State Standards

    Science.gov (United States)

    Fraser, Dawn W.

    2013-01-01

    Promoting independence in all students is one important part of education. It can be difficult for educators to identify meaningful tasks that students with severe disabilities can complete with full independence. By incorporating visual supports into a student's independent work, the teacher is providing the student with an opportunity to…

  14. Human-Derived Disturbance Estimation and Compensation (DEC Method Lends Itself to a Modular Sensorimotor Control in a Humanoid Robot

    Directory of Open Access Journals (Sweden)

    Vittorio Lippi

    2017-09-01

    Full Text Available The high complexity of the human posture and movement control system represents challenges for diagnosis, therapy, and rehabilitation of neurological patients. We envisage that engineering-inspired, model-based approaches will help to deal with the high complexity of the human posture control system. Since the methods of system identification and parameter estimation are limited to systems with only a few DoF, our laboratory proposes a heuristic approach that step-by-step increases complexity when creating a hypothetical human-derived control systems in humanoid robots. This system is then compared with the human control in the same test bed, a posture control laboratory. The human-derived control builds upon the identified disturbance estimation and compensation (DEC mechanism, whose main principle is to support execution of commanded poses or movements by compensating for external or self-produced disturbances such as gravity effects. In previous robotic implementation, up to 3 interconnected DEC control modules were used in modular control architectures separately for the sagittal plane or the frontal body plane and successfully passed balancing and movement tests. In this study we hypothesized that conflict-free movement coordination between the robot's sagittal and frontal body planes emerges simply from the physical embodiment, not necessarily requiring a full body control. Experiments were performed in the 14 DoF robot Lucy Posturob (i demonstrating that the mechanical coupling from the robot's body suffices to coordinate the controls in the two planes when the robot produces movements and balancing responses in the intermediate plane, (ii providing quantitative characterization of the interaction dynamics between body planes including frequency response functions (FRFs, as they are used in human postural control analysis, and (iii witnessing postural and control stability when all DoFs are challenged together with the emergence of inter

  15. Radiography Facility - Building 239 Independent Validation Review

    Energy Technology Data Exchange (ETDEWEB)

    Altenbach, T J; Beaulieu, R A; Watson, J F; Wong, H J

    2010-02-02

    The purpose of this task was to perform an Independent Validation Review to evaluate the successful implementation and effectiveness of Safety Basis controls, including new and revised controls, to support the implementation of a new DSA/TSR for B239. This task addresses Milestone 2 of FY10 PEP 7.6.6. As the first IVR ever conducted on a LLNL nuclear facility, it was designated a pilot project. The review follows the outline developed for Milestone 1 of the PEP, which is based on the DOE Draft Guide for Performance of Independent Verification Review of Safety Basis Controls. A formal Safety Basis procedure will be developed later, based on the lessons learned with this pilot project. Note, this review is termed a ''Validation'' in order to be consistent with the PEP definition and address issues historically raised about verification mechanisms at LLNL. Validation is intended to confirm that implementing mechanisms realistically establish the ability of TSR LCO, administrative control or safety management program to accomplish its intended safety function and that the controls are being implemented. This effort should not, however, be confused with a compliance assessment against all relevant DOE requirements and national standards. Nor is it used as a vehicle to question the derivation of controls already approved by LSO unless a given TSR statement simply cannot be implemented as stated.

  16. Vietnamese women in struggle for national independence.

    Science.gov (United States)

    1998-01-01

    The 30-year struggle for independence in Viet Nam took a huge toll on women, but even in the hardest times, Vietnamese women received support from the world-wide women's movement. As the world prepares to enter the new millennium, it is important to determine what policies can be created to prevent war and guarantee peace. These policies must grow out of international agreement on basic principles such as respect for independence and sovereignty and must not resort to the embargoes and sanctions that have placed a disproportionate burden on women and children. Another challenge of the new millennium is to encourage implementation of national programs, policies, and measures to help women realize their rights while preserving traditional family values. Despite the heightened visibility of the international women's movement, women still suffer from widespread inequalities. In accordance with the goals of the Communist Party of Viet Nam, the 8th Congress of Vietnamese Women in 1997 created a national plan for women that is a blueprint for the women's movement for the years 1997-2000. Among the goals are creating jobs for women, upgrading their standard of living, eliminating hunger, decreasing poverty, and ensuring that women have educational opportunities. Vietnamese women also seek to strengthen their relationship with other women in the international community, and the Vietnamese Women's Union has actively forwarded the objectives of the Federation of International Democratic Women.

  17. Independent EEG sources are dipolar.

    Directory of Open Access Journals (Sweden)

    Arnaud Delorme

    Full Text Available Independent component analysis (ICA and blind source separation (BSS methods are increasingly used to separate individual brain and non-brain source signals mixed by volume conduction in electroencephalographic (EEG and other electrophysiological recordings. We compared results of decomposing thirteen 71-channel human scalp EEG datasets by 22 ICA and BSS algorithms, assessing the pairwise mutual information (PMI in scalp channel pairs, the remaining PMI in component pairs, the overall mutual information reduction (MIR effected by each decomposition, and decomposition 'dipolarity' defined as the number of component scalp maps matching the projection of a single equivalent dipole with less than a given residual variance. The least well-performing algorithm was principal component analysis (PCA; best performing were AMICA and other likelihood/mutual information based ICA methods. Though these and other commonly-used decomposition methods returned many similar components, across 18 ICA/BSS algorithms mean dipolarity varied linearly with both MIR and with PMI remaining between the resulting component time courses, a result compatible with an interpretation of many maximally independent EEG components as being volume-conducted projections of partially-synchronous local cortical field activity within single compact cortical domains. To encourage further method comparisons, the data and software used to prepare the results have been made available (http://sccn.ucsd.edu/wiki/BSSComparison.

  18. Multiple Independent File Parallel I/O with HDF5

    Energy Technology Data Exchange (ETDEWEB)

    Miller, M. C.

    2016-07-13

    The HDF5 library has supported the I/O requirements of HPC codes at Lawrence Livermore National Labs (LLNL) since the late 90’s. In particular, HDF5 used in the Multiple Independent File (MIF) parallel I/O paradigm has supported LLNL code’s scalable I/O requirements and has recently been gainfully used at scales as large as O(106) parallel tasks.

  19. On Judicial and Quasi-Judicial Independence

    NARCIS (Netherlands)

    Comtois, Suzanne; de Graaf, K.J.

    2013-01-01

    'Principles of judicial and quasi-judicial independence are fundamental to all democracies and yet, the notion of independence is still elusive. What is judicial and quasi-judicial independence and why is it important? From whom and what are the judiciary and other adjudicators to be independent? Is

  20. Worker flag. Independent Electrical Policy

    International Nuclear Information System (INIS)

    Bahen, D.

    2000-01-01

    This work analyses the initiative of privatization of the Mexican Electric Industry and also it is showed the incoherence of this mistaken proposal. Along the same line is analysed tthe situation of the National Electric Sector and the working process for the distinct types of electric generation just as the syndical and labor situations. In consequence it is proposed an Independent Electrical Policy, which includes the integration of the Nationalized Electric Industry, the syndical union and the Unique Collective Contract. The purpose of this work is to contribute to the success of the electrical and nuclear struggle always maintaining in rising position the red flag of the proletariat. The author considers that the privatization means mercantilization of the human necessities. The privatization is not inevitable at condition of to exercise consequently the political actions necessary through alternatives includes: the worker control of production, research, and the National Electric strike. (Author)

  1. The Symbolic Independence From Power

    Directory of Open Access Journals (Sweden)

    Luisa Muraro

    2009-05-01

    Full Text Available Muraro’s article begins from the philosophical question of the ‘unthought’, and asks how our very image of thought is transformed when the thinking subject is a woman, and her thought is specifically linked to the experience of a body. On the basis of a feminist interrogation of sexual difference which reveals the forms of violence inherent in certain claims to universality, Muraro tries to develop a thinking of politics which would rest on its symbolic distance or independence from power. Through readings of Freud, Macbeth, Saint Paul and women’s narratives, Muraro investigates the dangers borne by the fusion of power and politics and explores the ways in which they could be disjoined.

  2. Eastern North America as an independent center of plant domestication

    Science.gov (United States)

    Smith, Bruce D.

    2006-01-01

    The status of eastern North America as an independent center of plant domestication has recently been called into question by a number of genetic and archaeological studies, which suggest that the region may not have witnessed the independent domestication of local crop plants, but rather may have been on the receiving end of domesticated crop plants introduced from Mexico. Here, I provide a synthesis of the currently available archaeological and genetic evidence from both eastern North America and Mexico regarding the spatial and temporal context of initial domestication of the four plant species identified as potential eastern North American domesticates: marshelder (Iva annua), chenopod (Chenopodium berlandieri), squash (Cucurbita pepo), and sunflower (Helianthus annuus). Genetic and archaeological evidence provides strong support for the independent domestication of all four of these plant species in the eastern United States and reconfirms the region as one of the world’s independent centers of domestication. PMID:16894156

  3. Promoting gender equality in access to microcredit through flexible lending approaches of female targeting MFIs: Evidence from Duterimbere MFI of Rwanda

    Directory of Open Access Journals (Sweden)

    Liberata Mukamana

    2016-11-01

    Full Text Available Access to loans is one of the most important areas of focus by many development practitioners for reducing the existing gender gap in access to productive resources. Microfinance Institutions which target females as key clients were promoted for their lending approaches which avoid previous discriminatory practices that excluded women in the financial system. The current study examines the role of Duterimbere MFI of Rwanda in promoting equality in access to microcredit between female and male borrowers. The results of the study are generated by analyzing quantitative data collected from 244 females and 94 males using the questionnaire and qualitative data collected from focus group discussions and interviews with key informants. The study findings revealed that Duterimbere has been able to adapt its requirements to the specific needs of poor women. A significant number of poor women have been able to join the MFI through group solidarity, a method that has upgraded their borrowing capacity to the level of getting individual loans on equal basis as male peers. This study recommends further research that should go beyond access to loan and consider the dynamics of power relations about utilization of the loan received by female and male borrowers.

  4. Sulla necessità di controllare l'attività creditizia internazionale delle banche. (The need to control international bank lending

    Directory of Open Access Journals (Sweden)

    G.A. KESSLER

    2013-12-01

    Full Text Available Il lavoro si occupa del processo di credito bancario internazionale  con le implicazioni per la gestione della politica monetaria . L'autore sostiene che l'espansione del credito bancario straniero possa diventare un fattore monetario significativo . Vengono analizzati gli aspetti macro e micro delle dinamiche del processo di questa espansione e il rapporto con la bilancia dei pagamenti e del deficit  . Alcune considerazioni generali sono fatte per quanto riguarda la necessità di una cooperazione monetaria internazionale intensificata. The work deals with the process of international bank lending and with the policy implications for monetary management. The author argues that foreign bank credit expansion has (or is likely to become an important monetary factor. The macro and micro aspects of the dynamics of the process of this expansion and the relation to the US balance of payments deficit are analysed. Some general remarks are made with respect to the need for intensified international monetary cooperation.JEL: F34

  5. Learning to lend for off-grid solar power: policy lessons from World Bank loans to India, Indonesia, and Sri Lanka

    Energy Technology Data Exchange (ETDEWEB)

    Miller, Damian; Hope, Chris [Cambridge Univ., Judge Inst. of Management Studies, Cambridge (United Kingdom)

    2000-02-01

    The World Bank has sought to advance the diffusion of solar photovoltaic (PV) technology for off-grid applications in the developing world. As these systems are fundamentally different to centralised power stations and conventional rural electrification, the World Bank has been learning how best to lend for such technology. This study seeks to highlight the lessons learnt from the World Bank's first loans for off-grid PV to India, Indonesia, and Sri Lanka. It uses lifetime cost analysis to justify continued intervention in this sector, and it draws on theories of innovation diffusion to guide analysis and ultimately policy recommendations. Because of the special role of entrepreneurial start up companies in the rural PV sector, the paper also uses a company cash flow model to demonstrate the efficacy of various supply-side policies. Finally, the study concludes with a checklist of policy lessons and a consideration of the role of the International Finance Corporation in this sector. (Author)

  6. On the joint entropy of d-wise-independent variables

    Czech Academy of Sciences Publication Activity Database

    Gavinsky, Dmitry; Pudlák, Pavel

    2016-01-01

    Roč. 57, č. 3 (2016), s. 333-343 ISSN 0010-2628 R&D Projects: GA ČR GBP202/12/G061 Institutional support: RVO:67985840 Keywords : d-wise-independent variable s * entropy * lower bound Subject RIV: BA - General Mathematics http://hdl.handle.net/10338.dmlcz/145838

  7. On the joint entropy of d-wise-independent variables

    Czech Academy of Sciences Publication Activity Database

    Gavinsky, Dmitry; Pudlák, Pavel

    2016-01-01

    Roč. 57, č. 3 (2016), s. 333-343 ISSN 0010-2628 R&D Projects: GA ČR GBP202/12/G061 Institutional support: RVO:67985840 Keywords : d-wise-independent variables * entropy * lower bound Subject RIV: BA - General Mathematics http://hdl.handle.net/10338.dmlcz/145838

  8. Independent School Leadership: Heads, Boards, and Strategic Thinking

    Science.gov (United States)

    Baker, Troy; Campbell, Stephen; Ostroff, David

    2016-01-01

    This study seeks to identify and assess factors that contribute to effective independent school governance at the board of trustees level. A review of extant literature reveals two major challenges: (a) definitions and standards of board effectiveness are inconsistent, and (b) there is very little empirical evidence to support existing definitions…

  9. Dependent and Independent Use of Microcomputers in Aphasia Rehabilitation.

    Science.gov (United States)

    Mills, Russell H.

    1987-01-01

    Three modes of using the microcomputer in aphasia rehabilitation include the dependent mode (with the clinician in the clinic setting), the clinic-based independent mode, and the home-based mode. Also considered are hardware and software selection, patient selection, clinician responsibilities, and family support. A case study illustrates…

  10. Online Independent Vocabulary Learning Experience of Hong Kong University Students

    Science.gov (United States)

    Tang, Eunice; Chung, Edsoulla; Li, Eddy; Yeung, Steven

    2016-01-01

    In response to the limited vocabulary size of its undergraduates, an independent vocabulary learning platform, VLearn was designed and launched in a university in Hong Kong. As an e-learning environment that supports self-directed vocabulary learning of Chinese learners, the primary aim of VLearn is to equip users with appropriate knowledge and…

  11. A linear-algebraic tool for conditional independence inference

    Czech Academy of Sciences Publication Activity Database

    Tanaka, K.; Studený, Milan; Takemura, A.; Sei, T.

    2015-01-01

    Roč. 6, č. 2 (2015), s. 150-167 ISSN 1309-3452 R&D Projects: GA ČR GA13-20012S Institutional support: RVO:67985556 Keywords : Conditional independence inference * Automated theorem proving Subject RIV: BA - General Mathematics http://library.utia.cas.cz/separaty/2015/MTR/studeny-0450036.pdf

  12. COM Support in BETA

    DEFF Research Database (Denmark)

    Madsen, Ole Lehrmann

    1999-01-01

    Component technologies based on binary units of independent production are some of the most important contributions to software architecture and reuse during recent years. Especially the COM technologies and the CORBA standard from the Object Management Group have contributed new and interesting ...... principles for software architecture, and proven to be useful in parctice. In this paper ongoing work with component support in the BETA language is described....

  13. Helping professionals and Border Force secrecy: effective asylum-seeker healthcare requires independence from callous policies.

    Science.gov (United States)

    Dudley, Michael

    2016-02-01

    To examine the Australian Border Force Act (BFA) and its context, its implications for asylum-seeker healthcare and professionals, and contemporary and historical parallels. Prolonged immigration detention and policies aiming to deter irregular migration cause maritime asylum-seekers undeniable, well-publicised harms and (notwithstanding claims about preventing drownings) show reckless indifference and calculated cruelty. Service personnel may be harmed. Such policies misuse helping professionals to underwrite state abuses and promote public numbing and indifference, resembling other state abuses in the 'war on terror' and (with qualification) historical counterparts, e.g. Nazi Germany. Human service practitioners and organisations recently denounced the BFA that forbids disclosure about these matters.Continuing asylum-seeker healthcare balances the likelihood of effective care and monitoring with lending credibility to abuses. Boycotting it might sacrifice scrutiny and care, fail to compel professionals and affect temporary overseas workers. Entirely transferring healthcare from immigration to Federal and/or State health departments, with resources augmented to adequate standard, would strengthen clinical independence and quality, minimise healthcare's being securitised and politicised, and uphold ethical codes. Such measures will not resolve detention's problems, but coupled with independent auditing, would expose and moderate detention's worst effects, promoting changes in national conversation and policy-making. © The Royal Australian and New Zealand College of Psychiatrists 2016.

  14. Supporting Families to Support Students

    Science.gov (United States)

    Kelly, John; Rossen, Eric; Cowan, Katherine C.

    2018-01-01

    Collaboration between students' families and the school is an essential component to promoting student mental and behavioral health. Many schools structure their mental health services using a Multi-Tiered System of Supports that offers three different tiers of support from universal supports to personalized help for students with serious…

  15. Toward Third World oil independence

    Energy Technology Data Exchange (ETDEWEB)

    Tanzer, M.

    1980-05-01

    This is an interview with Michael Tanzer, an oil economist and independent consultant on petroleum production and economic development. Mr. Tanzer discussed the role of non-OPEC developing countries in the world oil industry. In most of the developing countries there is a serious lack of capital for drilling and exploration. Multinational corporations not only have tremendous overall assets and capital but have created a mystique that they alone have the technology to explore and drill for oil. A holdover from the days of colonialism when knowledge of industry was kept outside these countries, oil companies have consciously resisted training people from Third World countries into higher-level jobs, according to Mr. Tanzer. Another deterrent to national petroleum development is pressure from international organizations, particularly the World Bank and International Monetary Fund. Their policies in the past have been not to fund energy development in the developing countries. Unfortunately too, as part of the whole picture, there are corrupt ruling groups in Third World countries that can be bought by the oil companies, whether explicitly or implicitly. (SAC)

  16. Lending and Credit Monitoring Principles

    Directory of Open Access Journals (Sweden)

    Viorica IOAN

    2012-11-01

    Full Text Available The results of a bank’s activities depend to a significant extent on the quality of the credit portfolio that it holds, as well as on the credit tracking and control system. The purpose and functioning of such inter-banking systems differs from one bank to another. Loans require an increasingly efficient type of internal surveillance of activity. Following the clients’ behavior and performances, as well as their entire activity is a particularly important phase and absolutely necessary in the course of a loan. The purpose of this activity is, generally, that of identifying, as early as possible, of clues about any problems that may appear during the course of the loan, so as to make possible, as early as can be, the taking of remedial measures with a view to anticipate the deterioration of the loan’s debt. An open communication between the bank and the loan’s beneficiary is an essential condition for an efficient tracking program. Another basic element is the rigorous and complete filling out of the credit papers. The credit files are the backbone of the of the loan monitoring process because these contain all of the documents which may offer to the credit officer, accounting expert, as well as other interested parties a permanent, chronological record of the loan relation.

  17. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

    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...... of private borrowing between collaterally-constrained 'impatient' households and unconstrained 'patient' households, such as those put forward by Kiyotaki and Moore (1997) and Iacoviello (2005), is counteracted by the banking attenuator effect, given an endogenous steady state spread between loan and savings...

  18. Corporate globalization and bank lending

    OpenAIRE

    Shujing Li; Jiaping Qiu; Chi Wan

    2011-01-01

    This paper investigates the effect of corporate globalization on bank loan contracts, as reflected in both price and non-price loan terms. We show that globally diversified firms receive more favorable valuation from creditors than domestic firms do. Specifically, we find strong evidence that global firms are charged lower loan rates, and are spared the more restrictive non-price contractual terms such as short maturity and collateral requirements. Our results are robust to various extensions...

  19. Lending conspiracy alleged by Slesers

    Index Scriptorium Estoniae

    2010-01-01

    Peaministri kandidaat Ainars Slesers väitis telesaates "900 sekundit", et Läti valitsusel on sõlmitud rahvusvaheliste kreeditoridega salalepe, mille kohaselt erastatakse pärast parlamendivalimisi riigiettevõtted. Peaminister Valdis Dombrovskis ütles ajakirjale "Ir", et valitsusel ei ole selliseid plaane

  20. A Contemporary Framework for Independent Living Rehabilitation.

    Science.gov (United States)

    Bartels, Elmer C.

    1985-01-01

    Concepts related to the independent living movement for people with disabilities as viewed by contemporary society are examined. Independent living is described as an integration of expectation, philosophy, organizational structure, service options, and environmental change. (Author/CL)

  1. Testing Local Independence between Two Point Processes

    DEFF Research Database (Denmark)

    Allard, Denis; Brix, Anders; Chadæuf, Joël

    2001-01-01

    Independence test, Inhomogeneous point processes, Local test, Monte Carlo, Nonstationary, Rotations, Spatial pattern, Tiger bush......Independence test, Inhomogeneous point processes, Local test, Monte Carlo, Nonstationary, Rotations, Spatial pattern, Tiger bush...

  2. Model-independent cosmological constraints from growth and expansion

    Science.gov (United States)

    L'Huillier, Benjamin; Shafieloo, Arman; Kim, Hyungjin

    2018-02-01

    Reconstructing the expansion history of the Universe from type Ia supernovae data, we fit the growth rate measurements and put model-independent constraints on some key cosmological parameters, namely, Ωm, γ, and σ8. The constraints are consistent with those from the concordance model within the framework of general relativity, but the current quality of the data is not sufficient to rule out modified gravity models. Adding the condition that dark energy density should be positive at all redshifts, independently of its equation of state, further constrains the parameters and interestingly supports the concordance model.

  3. Residency Surgical Training at an Independent Academic Medical Center.

    Science.gov (United States)

    Jones, Jeremiah; Sidwell, Richard A

    2016-02-01

    Independent academic medical centers have been training surgeons for more than a century; this environment is distinct from university or military programs. There are several advantages to training at a community program, including a supportive learning environment with camaraderie between residents and faculty, early and broad operative experience, and improved graduate confidence. Community programs also face challenges, such as resident recruitment and faculty engagement. With the workforce needs for general surgeons, independent training programs will continue to play an integral role. Copyright © 2016 Elsevier Inc. All rights reserved.

  4. UK investors’ perceptions of auditor independence

    OpenAIRE

    Dart, Eleanor; Cardiff University

    2009-01-01

    The purpose of an auditor’s role in society is to validate the truthfulness of financial statements. In order to perform their role, it is essential that auditors are independent of the client company and are not seen to have any motive for none disclosure of misleading information (Lavin, 1977:237). If owners of organisations doubt the auditor’s independence, financial statements will lack credibility. However, despite independence lying at the heart of the auditing profession, independence ...

  5. Independent Evaluation: Insights from Public Accounting

    Science.gov (United States)

    Brown, Abigail B.; Klerman, Jacob Alex

    2012-01-01

    Background: Maintaining the independence of contract government program evaluation presents significant contracting challenges. The ideal outcome for an agency is often both the impression of an independent evaluation "and" a glowing report. In this, independent evaluation is like financial statement audits: firm management wants both a public…

  6. Reactor core lower support

    International Nuclear Information System (INIS)

    1981-01-01

    This patent refers to the lower support of a nuclear reactor core, and is intended for supporting each fuel assembly of the core and for distributing the primary coolant through these assemblies. It is composed of: - A first thick plate supporting the fuel assemblies. Vertical channels are machined in this plate directly facing each assembly for the passage of the primary fluid: - A second thin plate drilled with orifices, fixed under the first plate, with no space between them, and so positioned that each orifice is directly facing one of the channels. The section of the orifices diminishes from the centre of the plate towards its periphery. The second plate can also be constituted of an assembly of juxtaposed smaller plates, each small plate being secured to the first plate independently of the neighbouring plates [fr

  7. Support and correlates of support for banning smoking in cars with children: findings from the ITC Four Country Survey.

    Science.gov (United States)

    Hitchman, Sara C; Fong, Geoffrey T; Zanna, Mark P; Hyland, Andrew; Bansal-Travers, Maansi

    2011-06-01

    Since 2006, banning smoking in cars with children has become a rapidly growing tobacco control policy. However, to date, there have been few studies examining support and correlates of support for car smoking bans, and none of the existing studies have been international in nature. We conducted such a study among smokers in four countries. 6716 adult current smokers from the 2007 Wave of the International Tobacco Control Four Country Survey, a nationally representative, longitudinal cohort telephone survey of smokers in the USA, Canada, UK and Australia. Controlling for demographics, heaviness of smoking, smoking health knowledge/beliefs and quit intentions, we compared support and correlates of support for banning smoking in cars with children across the four countries. The majority of smokers supported banning smoking in cars with children. Support was highest in Australia (83%), followed by the UK (75%) and Canada (74%); support was lower-but still high-in the USA (60%). Support was highest among smokers who: had stronger quit intentions, were lighter smokers, had lower education, had no children in the home, believed that cigarette smoke is dangerous to non-smokers and could cause asthma in children, and were concerned about modelling smoking to children. These findings indicate that a majority of smokers in the four countries support banning smoking in cars with children, and lend support to banning smoking in cars with children. Additionally, they suggest that support may be increased by educating smokers about the dangers of cigarette smoke exposure.

  8. The Road to Independently Understandable Information

    Science.gov (United States)

    Habermann, T.; Robinson, E.

    2017-12-01

    The turn of the 21st century was a pivotal time in the Earth and Space Science information ecosystem. The Content Standard for Digital Geospatial Metadata (CSDGM) had existed for nearly a decade and ambitious new standards were just emerging. The U.S. Federal Geospatial Data Committee (FGDC) had extended many of the concepts from CSDGM into the International community with ISO 19115:2003 and the Consultative Committee for Space Data Systems (CCSDS) had migrated their Open Archival Information System (OAIS) Reference Model into an international standard (ISO 14721:2003). The OAIS model outlined the roles and responsibilities of archives with the principle role being preserving information and making it available to users, a "designated community", as a service to the data producer. It was mandatory for the archive to ensure that information is "independently understandable" to the designated community and to maintain that understanding through on-going partnerships between archives and designated communities. Standards can play a role in supporting these partnerships as designated communities expand across disciplinary and geographic boundaries. The ISO metadata standards include many capabilities that might make critical contributions to this goal. These include connections to resources outside of the metadata record (i.e. documentation) and mechanisms for ongoing incorporation of user feedback into the metadata stream. We will demonstrate these capabilities with examples of how they can increase understanding.

  9. Supporting Info

    Data.gov (United States)

    U.S. Environmental Protection Agency — Supporting Info. This dataset is associated with the following publication: Washington , J., and T. Jenkins. Abiotic Hydrolysis of Fluorotelomer-Based Polymers as a...

  10. Supporting Info

    Data.gov (United States)

    U.S. Environmental Protection Agency — Supporting Information. This dataset is associated with the following publication: Washington , J., T. Jenkins, and E. Weber. Identification of Unsaturated and 2H...

  11. Supporting Information

    Data.gov (United States)

    U.S. Environmental Protection Agency — This is the supporting information for the journal article. This dataset is associated with the following publication: Rankin, K., S. Mabury, T. Jenkins, and J....

  12. From Pathological Dependence to Healthy Independence: An emergent grounded theory of facilitating independent living

    Directory of Open Access Journals (Sweden)

    Liz Jamieson, Ph.D

    2006-11-01

    Full Text Available People with mental disorder are admitted to high security hospitals because of perceived risk of serious harm to others. Outcome studies generally focus on adverse events, especially reoffending,reflecting public and government anxieties. There is no theoretical model to provide a better basis for measurement. There have been no studies examining discharge from the perspectives of those involved in the process. This paper begins to fill this gap by generating a grounded theory of the main concerns of those involved in decisions to discharge from such hospitals. Data were collected by semi-structured interviews with staff of various clinical and non-clinical disciplines, some with a primary duty of care to the patient, while mindful of public safety, and some with a primary duty to the public, while mindful of patients’ rights. The data were analysed using a grounded theory approach. Their main concern was ‘pathological dependence’ and that was resolved through the process of‘facilitating independent living’. Clinicians and non-clinicians alike managed this by ‘paving the way’ and ‘testing out’. The former begins on hospital admission, intensifies during residency, and lessens after discharge. Testing out overlaps, but happens to a greater extent outside high security. Factors within the patient and/or within the external environment could be enhancers or barriers to movement along a dependence-independence continuum. A barrier appearing after some progress along the continuum and ending independence gained was called a‘terminator’. Bad outcomes were continuing or resumed dependency, with ‘terminators’, such as death, re-offending or readmission,modelled as explanations rather than outcomes per se. Good outcomes were attainment and maintenance of community living with unconstrained choice of professional and/or social supports. Although this work was done in relation to high security hospital patients, it is likely that

  13. Predictors of Independent Walking in Young Children With Cerebral Palsy.

    Science.gov (United States)

    Begnoche, Denise M; Chiarello, Lisa A; Palisano, Robert J; Gracely, Edward J; McCoy, Sarah Westcott; Orlin, Margo N

    2016-02-01

    The attainment of walking is a focus of physical therapy intervention in children with cerebral palsy (CP) and may affect their independence in mobility and participation in daily activities. However, knowledge of determinants of independent walking to guide physical therapists' decision making is lacking. The aim of this study was to identify child factors (postural control, reciprocal lower limb movement, functional strength, and motivation) and family factors (family support to child and support to family) that predict independent walking 1 year later in young children with CP at Gross Motor Function Classification System (GMFCS) levels II and III. A secondary data analysis of an observational cohort study was performed. Participants were 80 children with CP, 2 through 6 years of age. Child factors were measured 1 year prior to the walking outcome. Parent-reported items representing family factors were collected 7 months after study onset. The predictive model was analyzed using backward stepwise logistic regression. A measure of functional strength and dynamic postural control in a sit-to-stand activity was the only significant predictor of taking ≥3 steps independently. The positive likelihood ratio for predicting a "walker" was 3.26, and the negative likelihood ratio was 0.74. The model correctly identified a walker or "nonwalker" 75% of the time. Prediction of walking ability was limited by the lack of specificity of child and family characteristics not prospectively selected and measurement of postural control, reciprocal lower limb movement, and functional strength 1 year prior to the walking outcome. The ability to transfer from sitting to standing and from standing to sitting predicted independent walking in young children with CP. Prospective longitudinal studies are recommended to determine indicators of readiness for independent walking. © 2016 American Physical Therapy Association.

  14. Scaffolding Students’ Independent Decoding of Unfamiliar Text with a Prototype of an eBook-Feature

    DEFF Research Database (Denmark)

    Gissel, Stig Toke

    2015-01-01

    This study was undertaken to design, evaluate and refine an eBook-feature that supports students' decoding of unfamiliar text. The feature supports students' independent reading of eBooks with text-to-speech, graded support in the form of syllabification and rhyme analogy, and by dividing the word...

  15. Measuring self-care independence in children with cystic fibrosis: the Self-Care Independence Scale (SCIS).

    Science.gov (United States)

    Patton, Susana R; Graham, Julie L; Varlotta, Laurie; Holsclaw, Douglas

    2003-08-01

    We describe the development and psychometric properties of a survey tool designed to evaluate children's level of independence in their cystic fibrosis (CF) treatment. Children's self-care autonomy is important to measure and may have a direct effect on children's active involvement in their treatment and their adherence. Existing instruments that evaluate children's independence in their CF treatment fail to yield practical information that can help research and patient management. The Self-Care Independence Scale (SCIS) is a 44-item questionnaire that is completed by parents. The SCIS was completed by the parents of 76 patients with CF (ages 4-17 years). Youths completed two structured interviews, which screened patients for average or higher cognitive functioning (an inclusion criterion) and measured their CF treatment knowledge. Parents completed two other self-report questionnaires. Results indicated that the SCIS has acceptable internal consistency and good test-retest reliability. The construct validity of the SCIS was supported by positive correlations between patient age, number of years since diagnosis, and SCIS total scores. The concurrent validity of the SCIS was supported by correlations between a measure of nonillness-specific dependence and a measure of patient self-care knowledge. Children's SCIS total scores per age group are presented. This study supports the SCIS as a psychometrically sound measure of self-care independence in CF. This measure has several uses. For example, the SCIS may be a screening tool for adolescents who are preparing to transition to adult CF centers and who will need to assume more independence in their self-care. The SCIS may also be used to evaluate educational programs that promote self-care knowledge and skill in children with CF. Copyright 2003 Wiley-Liss, Inc.

  16. Calibration and Propagation of Uncertainty for Independence

    Energy Technology Data Exchange (ETDEWEB)

    Holland, Troy Michael [Los Alamos National Lab. (LANL), Los Alamos, NM (United States); Kress, Joel David [Los Alamos National Lab. (LANL), Los Alamos, NM (United States); Bhat, Kabekode Ghanasham [Los Alamos National Lab. (LANL), Los Alamos, NM (United States)

    2017-06-30

    This document reports on progress and methods for the calibration and uncertainty quantification of the Independence model developed at UT Austin. The Independence model is an advanced thermodynamic and process model framework for piperazine solutions as a high-performance CO2 capture solvent. Progress is presented in the framework of the CCSI standard basic data model inference framework. Recent work has largely focused on the thermodynamic submodels of Independence.

  17. Advanced practice nurses: starting an independent practice.

    Science.gov (United States)

    Lambert, V A; Lambert, C E

    1996-01-01

    Independent or private practice is the delivery of nursing services provided by nurses over which nurses have full control. With a changing healthcare system, nurses are in a prime position to negotiate the delivery of appropriate, acceptable, and cost-effective health care as independent practitioners. This article addresses the mission and goals of independent practice, community need, business structure of the practice, housing the practice, legal considerations, financing the practice, marketing issues, clientele, record keeping, and reimbursement.

  18. Independent review of the SaskPower rate proposal of August 2004 : final report

    International Nuclear Information System (INIS)

    Ewing, J.D.; Buhr, L.A.

    2004-01-01

    This paper presents an independent review of SaskPower's request for an increase in rates effective September 1, 2004 and September 1, 2005. With the exception of manufacturing customers, whose rate increase will be phased in over four years, these rate changes will result in a 9 per cent system average increase in 2004 and a 1.8 per cent system average increase in 2005. The report presents an introduction and description of the terms of reference for this review; a financial outlook and comparisons; system operational analysis; an analysis of expenditures; revenue requirement; cost of service issues; and rate design. The report also presents a summary and recommendations on cost of service and rate design issues. The report concluded that the scope of this review does not lend itself to a definitive conclusion on the appropriateness of the cost of service model and its application by SaskPower. Several areas needing further attention include: net fuel and purchased power allocations to different classes; allocation of rate base and in particular distribution rate base to various classes; target ratios for revenue to revenue requirements and the subsequent return on rate base percentages for each class; and demand/energy/customer components of revenue requirements compared to billing revenues. refs., 31 tabs., 1 fig., 6 appendices

  19. Mirror Support

    Science.gov (United States)

    Baron, Richard L. (Inventor)

    2013-01-01

    Disclosed herein is a method of making a mirror support comprising a composite, the composite comprising a plurality of carbon nanotubes, wherein at least two of the plurality of carbon nanotubes are bonded to each other through a bridging moiety bound to each of the two carbon nanotubes, and a laminate comprising the composite.

  20. Supporting ATLAS

    CERN Multimedia

    maximilien brice

    2003-01-01

    Eighteen feet made of stainless steel will support the barrel ATLAS detector in the cavern at Point 1. In total, the ATLAS feet system will carry approximately 6000 tons, and will give the same inclination to the detector as the LHC accelerator.

  1. Supporting Transition

    Science.gov (United States)

    Qureshi, Asima; Petrucco, James

    2018-01-01

    Meadowbrook Primary School has explored the use of The Teacher Assessment in Primary Science (TAPS) to support transition, initially for transfer to secondary school and now for transition from Early Years Foundation Stage (EYFS) into Key Stage 1 (ages 5-7). This article will consider an example of a secondary transition project and discuss the…

  2. Datacube Interoperability, Encoding Independence, and Analytics

    Science.gov (United States)

    Baumann, Peter; Hirschorn, Eric; Maso, Joan

    2017-04-01

    representations. Further, CIS 1.1 offers a unified model for any kind of regular and irregular grids, also allowing sensor models as per SensorML. Encodings include ASCII formats like GML, JSON, RDF as well as binary formats like GeoTIFF, NetCDF, JPEG2000, and GRIB2; further, a container concept allows mixed representations within one coverage file utilizing zip or other convenient package formats. Through the tight integration with the Sensor Web Enablement (SWE), a lossless "transport" from sensor into coverage world is ensured. The corresponding service model of WCS supports datacube operations ranging from simple data extraction to complex ad-hoc analytics with WPCS. Notably, W3C is working has set out on a coverage model as well; it has been designed relatively independently from the abovementioned standards, but there is informal agreement to link it into the CIS universe (which allows for different, yet interchangeable representations). Particularly interesting in the W3C proposal is the detailed semantic modeling of metadata; as CIS 1.1 supports RDF, a tight coupling seems feasible.

  3. Systems analysis-independent analysis and verification

    Energy Technology Data Exchange (ETDEWEB)

    Badin, J.S.; DiPietro, J.P. [Energetics, Inc., Columbia, MD (United States)

    1995-09-01

    The DOE Hydrogen Program is supporting research, development, and demonstration activities to overcome the barriers to the integration of hydrogen into the Nation`s energy infrastructure. Much work is required to gain acceptance of hydrogen energy system concepts and to develop them for implementation. A systems analysis database has been created that includes a formal documentation of technology characterization profiles and cost and performance information. Through a systematic and quantitative approach, system developers can understand and address important issues and thereby assure effective and timely commercial implementation. This project builds upon and expands the previously developed and tested pathway model and provides the basis for a consistent and objective analysis of all hydrogen energy concepts considered by the DOE Hydrogen Program Manager. This project can greatly accelerate the development of a system by minimizing the risk of costly design evolutions, and by stimulating discussions, feedback, and coordination of key players and allows them to assess the analysis, evaluate the trade-offs, and to address any emerging problem areas. Specific analytical studies will result in the validation of the competitive feasibility of the proposed system and identify system development needs. Systems that are investigated include hydrogen bromine electrolysis, municipal solid waste gasification, electro-farming (biomass gasifier and PEM fuel cell), wind/hydrogen hybrid system for remote sites, home electrolysis and alternate infrastructure options, renewable-based electrolysis to fuel PEM fuel cell vehicle fleet, and geothermal energy used to produce hydrogen. These systems are compared to conventional and benchmark technologies. Interim results and findings are presented. Independent analyses emphasize quality, integrity, objectivity, a long-term perspective, corporate memory, and the merging of technical, economic, operational, and programmatic expertise.

  4. Political Attitudes Develop Independently of Personality Traits

    Science.gov (United States)

    Hatemi, Peter K.; Verhulst, Brad

    2015-01-01

    The primary assumption within the recent personality and political orientations literature is that personality traits cause people to develop political attitudes. In contrast, research relying on traditional psychological and developmental theories suggests the relationship between most personality dimensions and political orientations are either not significant or weak. Research from behavioral genetics suggests the covariance between personality and political preferences is not causal, but due to a common, latent genetic factor that mutually influences both. The contradictory assumptions and findings from these research streams have yet to be resolved. This is in part due to the reliance on cross-sectional data and the lack of longitudinal genetically informative data. Here, using two independent longitudinal genetically informative samples, we examine the joint development of personality traits and attitude dimensions to explore the underlying causal mechanisms that drive the relationship between these features and provide a first step in resolving the causal question. We find change in personality over a ten-year period does not predict change in political attitudes, which does not support a causal relationship between personality traits and political attitudes as is frequently assumed. Rather, political attitudes are often more stable than the key personality traits assumed to be predicting them. Finally, the results from our genetic models find that no additional variance is accounted for by the causal pathway from personality traits to political attitudes. Our findings remain consistent with the original construction of the five-factor model of personality and developmental theories on attitude formation, but challenge recent work in this area. PMID:25734580

  5. Political attitudes develop independently of personality traits.

    Science.gov (United States)

    Hatemi, Peter K; Verhulst, Brad

    2015-01-01

    The primary assumption within the recent personality and political orientations literature is that personality traits cause people to develop political attitudes. In contrast, research relying on traditional psychological and developmental theories suggests the relationship between most personality dimensions and political orientations are either not significant or weak. Research from behavioral genetics suggests the covariance between personality and political preferences is not causal, but due to a common, latent genetic factor that mutually influences both. The contradictory assumptions and findings from these research streams have yet to be resolved. This is in part due to the reliance on cross-sectional data and the lack of longitudinal genetically informative data. Here, using two independent longitudinal genetically informative samples, we examine the joint development of personality traits and attitude dimensions to explore the underlying causal mechanisms that drive the relationship between these features and provide a first step in resolving the causal question. We find change in personality over a ten-year period does not predict change in political attitudes, which does not support a causal relationship between personality traits and political attitudes as is frequently assumed. Rather, political attitudes are often more stable than the key personality traits assumed to be predicting them. Finally, the results from our genetic models find that no additional variance is accounted for by the causal pathway from personality traits to political attitudes. Our findings remain consistent with the original construction of the five-factor model of personality and developmental theories on attitude formation, but challenge recent work in this area.

  6. 77 FR 50090 - Notice of Proposed Information Collection Requests; State Plan for Independent Living (SPIL)

    Science.gov (United States)

    2012-08-20

    ...-help, self-determination, equal access and individual and systems advocacy--to maximize the leadership... independent living philosophy--based on consumer control, peer support, self-help, self-determination, equal access and individual and systems advocacy--to maximize the leadership, empowerment, independence and...

  7. Tricks of the trade: Sharing ideas about independent hydro development in Canada

    International Nuclear Information System (INIS)

    Collins, S.J.

    1992-01-01

    Preparation and patience are the keys to developing independent hydropower projects in Canada. Several individuals who have experience breaking into the business share their advice. Opportunities for independent hydro developers to contribute to electricity production in Canada are increasing, thanks to government and utility support. Site selection, costs, environmental regulations, native rights issues, project approval processes, and time lines are all important issues

  8. Variation in central bank independence across countries : Some provisional empirical evidence

    NARCIS (Netherlands)

    deHaan, J; vantHag, GJ

    1995-01-01

    In this paper seven hypotheses to explain variation in central bank independence across countries are tested. The predictions based upon the theory that delegation of authority by politicians to the central bank is used as a commitment device are not supported: central bank independence is not

  9. Independent contribution of individual white matter pathways to language function in pediatric epilepsy patients

    Directory of Open Access Journals (Sweden)

    Michael J. Paldino, M.D.

    2014-01-01

    Conclusions: Scalar metrics derived from the left uncinate, inferior fronto-occipital, and arcuate fasciculi were independently associated with language function. These results support the importance of these pathways in human language function in patients with MCDs.

  10. Institutional independence and the constitutionality of legislation ...

    African Journals Online (AJOL)

    The test for determining whether judicial independence is safeguarded is an objective one based on public confidence in the structure of the court and the ... in the analysis of the application of the principles of judicial independence to specific legislative schemes where the structure of the tribunal thereby established had ...

  11. 29 CFR 785.30 - Independent training.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 3 2010-07-01 2010-07-01 false Independent training. 785.30 Section 785.30 Labor Regulations Relating to Labor (Continued) WAGE AND HOUR DIVISION, DEPARTMENT OF LABOR STATEMENTS OF GENERAL... Lectures, Meetings and Training Programs § 785.30 Independent training. Of course, if an employee on his...

  12. Outer-2-independent domination in graphs

    Indian Academy of Sciences (India)

    independent dominating set of a graph is a set of vertices of such that every vertex of ()\\ has a neighbor in and the maximum vertex degree of the subgraph induced by ()\\ is at most one. The outer-2-independent domination ...

  13. An architecture for device independent interfacing

    International Nuclear Information System (INIS)

    Pace, D.M.

    1990-01-01

    Achieving device independence for software applications is required for all but a small number of critical real time applications. Device independence is achieved by establishing protocols and building protocol interpreters for the specific devices. Data structures containing pointers to functions provide a flexible architecture for implementing protocol translation. 3 refs., 5 figs

  14. Teacher's Guide to Independence National Historical Park.

    Science.gov (United States)

    National Park Service (Dept. of Interior), Philadelphia, PA. Independence National Historical Park.

    Independence National Historical Park, located in Philadelphia, Pennsylvania, is operated by the National Park Service. The park was authorized by an Act of Congress on June 28, 1948, and formally established on July 4, 1956. The mission of Independence National Historical Park is to preserve its stories, buildings, and artifacts as a source of…

  15. The New Marketing Handbook for Independent Schools.

    Science.gov (United States)

    Boarding Schools, Boston, MA.

    Planning coherent, relevant marketing strategies is crucial to the survival of independent education in the United States. This handbook was created for independent school marketers; principals; and development, publications, public relations, and admissions directors. It offers checklists, sidebars, callouts, and summaries that focus on…

  16. Independence of regulator authority of energy market

    International Nuclear Information System (INIS)

    Zanettini, L.

    2009-01-01

    From the 90's the European directives on energy markets have devoted increasing attention to the institution of national independent regulators. This paper aims at underlying the influence that the European law has on the design of national regulators and in particular on the importance and the meaning of their independence. Short reference will be made to the Italian experience as well. [it

  17. Student Independent Investigations for Authentic Learning

    Science.gov (United States)

    Westberg, Karen L.; Leppien, Jann H.

    2018-01-01

    Including opportunities for students to conduct independent investigations is a mainstay of gifted education programs and services. When carefully designed and skillfully facilitated, students' interest-based, independent study experiences result in increased intrinsic motivation, growth in 21st-century critical and creativity skills, greater…

  18. Uniqueness of time-independent electromagnetic fields

    DEFF Research Database (Denmark)

    Karlsson, Per W.

    1974-01-01

    As a comment on a recent paper by Steele, a more general uniqueness theorem for time-independent fields is mentioned. ©1974 American Institute of Physics......As a comment on a recent paper by Steele, a more general uniqueness theorem for time-independent fields is mentioned. ©1974 American Institute of Physics...

  19. Quadratic independence of coordinate functions of certain ...

    Indian Academy of Sciences (India)

    It is indeed a very important and interesting problem in the theory of quantum groups and noncommutative geometry ... independence of the algebra of natural coordinate functions on a large class of homoge- neous spaces of a .... Quadratic independence and nonexistence of genuine quantum group action. Let V be a finite ...

  20. Support for breastfeeding mothers.

    Science.gov (United States)

    Britton, C; McCormick, F M; Renfrew, M J; Wade, A; King, S E

    2007-01-24

    There is extensive evidence of the benefits of breastfeeding for infants and mothers. In 2003, the World Health Organization (WHO) recommended infants be fed exclusively on breast milk until six months of age. However, breastfeeding rates in many developed countries continue to be resistant to change. To assess the effectiveness of support for breastfeeding mothers. We searched the Cochrane Pregnancy and Childbirth Group's Trials Register (January 2006), MEDLINE (1966 to November 2005), EMBASE (1974 to November 2005) and MIDIRS (1991 to September 2005). Randomised or quasi-randomised controlled trials comparing extra support for breastfeeding mothers with usual maternity care. Two authors independently assessed trial quality and extracted data. We have included 34 trials (29,385 mother-infant pairs) from 14 countries. All forms of extra support analysed together showed an increase in duration of 'any breastfeeding' (includes partial and exclusive breastfeeding) (relative risk (RR) for stopping any breastfeeding before six months 0.91, 95% confidence interval (CI) 0.86 to 0.96). All forms of extra support together had a larger effect on duration of exclusive breastfeeding than on any breastfeeding (RR 0.81, 95% CI 0.74 to 0.89). Lay and professional support together extended duration of any breastfeeding significantly (RR before 4-6 weeks 0.65, 95% 0.51 to 0.82; RR before 2 months 0.74, 95% CI 0.66 to 0.83). Exclusive breastfeeding was significantly prolonged with use of WHO/UNICEF training (RR 0.69, 95% CI 0.52 to 0.91). Maternal satisfaction was poorly reported. Additional professional support was effective in prolonging any breastfeeding, but its effects on exclusive breastfeeding were less clear. WHO/UNICEF training courses appeared to be effective for professional training. Additional lay support was effective in prolonging exclusive breastfeeding, while its effects on duration of any breastfeeding were uncertain. Effective support offered by professionals and

  1. Clathrin-independent endocytosis: mechanisms and function

    DEFF Research Database (Denmark)

    Sandvig, Kirsten; Pust, Sascha; Skotland, Tore

    2011-01-01

    having several functions of their own. This article aims at providing a brief update on the importance of clathrin-independent endocytic mechanisms, how the processes are regulated differentially, for instance on the poles of polarized cells, and the challenges in studying them.......It is now about 20 years since we first wrote reviews about clathrin-independent endocytosis. The challenge at the time was to convince the reader about its existence. Then the suggestion came up that caveolae might be responsible for the uptake. However, clearly this could not be the case since...... a large fraction of the clathrin-independent uptake is dynamin-independent. Today, two decades later, the field has developed considerably. New techniques have enabled a detailed analysis of several clathrin-independent endocytic mechanisms, and caveolae have been found to be mostly stable structures...

  2. Social independence of adult congenital heart disease patients in Japan.

    Science.gov (United States)

    Ochiai, Ryota; Ikeda, Yukitaka; Kato, Hitoshi; Shiraishi, Isao

    2017-06-01

    As treatment outcomes for congenital heart disease (CHD) have improved, the social independence of adult CHD patients has become a key goal. The aims of this study were therefore to (i) determine the relationship between social independence and psychological profile, and (ii) identify patient anxieties, difficulties, and demands related to life in society. A total of 143 patients aged ≥15 years with physical disability certificates were selected using a questionnaire distributed by a patients' association. Each participant was asked about employment status, income, and receipt of disability pension as a social independence index, and about financial and psychological distress as a psychological status index. Furthermore, each participant was asked to freely describe his or her difficulties, anxieties, and needs pertaining to life in society. The subjects were 15-73 years old. Seventy-one (50%) were female, and 94 (66%) had a grade 1 physical disability certificate. Fifty-nine subjects (41%) were employed, 37 (26%) were unemployed, and 45 (31%) were students. Of those employed, 34 subjects (58%) reported annual individual income ≤2 million yen. Frequent hospital visits, low total household income, low individual annual income, work dissatisfaction, and receipt of a disability pension were associated with poorer psychological profile. In an open description section, subjects expressed desires for better pension systems, support for medical fees, and employment support. Because financial issues can adversely affect the psychological profiles of adult CHD patients, enhancement of social welfare and employment support may improve their social independence. © 2017 Japan Pediatric Society.

  3. Vocabulary Breadth and Field Dependence/Independence Cognitive Styles

    Directory of Open Access Journals (Sweden)

    Nassim Golaghaei

    2011-07-01

    Full Text Available This article is primarily bidirectional in that it is concerned with two fields of cognitive styles of field-dependency/independency on one hand and breadth of vocabulary knowledge on the other hand. In other word, this research is primarily intended to investigate the nature of the students' vocabulary knowledge in the field of passive and active knowledge of L2 words as a whole with regard to their preferred cognitive style of field dependency/independency. A group of 60 undergraduate students majoring in the field of English Language Teaching was selected. They were then divided into two groups based on the basis of their preferred cognitive styles of field-dependency / independency. Four types of tests, the 1000 frequency word-level test, the passive version of vocabulary Levels Test, the Productive Version of the Vocabulary Levels Test, and the Group Imbedded Figures Test were administered to the participants. The conclusion drawn after the analysis of the data was that the fieldindependent group outperformed their field-dependent counterparts in dealing with both passive and productive vocabulary levels. Finally, the findings of this research could be interpreted as being supportive of the idea that the field-dependent/independent cognitive style could be considered as an effective factor influencing the learners' vocabulary learning in the field of second language acquisition.

  4. A possible mechanism for exonuclease 1-independent eukaryotic mismatch repair

    Science.gov (United States)

    Kadyrov, Farid A.; Genschel, Jochen; Fang, Yanan; Penland, Elisabeth; Edelmann, Winfried; Modrich, Paul

    2009-01-01

    Mismatch repair contributes to genetic stability, and inactivation of the mammalian pathway leads to tumor development. Mismatch correction occurs by an excision-repair mechanism and has been shown to depend on the 5′ to 3′ hydrolytic activity exonuclease 1 (Exo1) in eukaryotic cells. However, genetic and biochemical studies have indicated that one or more Exo1-independent modes of mismatch repair also exist. We have analyzed repair of nicked circular heteroduplex DNA in extracts of Exo1-deficient mouse embryo fibroblast cells. Exo1-independent repair under these conditions is MutLα-dependent and requires functional integrity of the MutLα endonuclease metal-binding motif. In contrast to the Exo1-dependent reaction, we have been unable to detect a gapped excision intermediate in Exo1-deficient extracts when repair DNA synthesis is blocked. A possible explanation for this finding has been provided by analysis of a purified system comprised of MutSα, MutLα, replication factor C, proliferating cell nuclear antigen, replication protein A, and DNA polymerase δ that supports Exo1-independent repair in vitro. Repair in this system depends on MutLα incision of the nicked heteroduplex strand and dNTP-dependent synthesis-driven displacement of a DNA segment spanning the mismatch. Such a mechanism may account, at least in part, for the Exo1-independent repair that occurs in eukaryotic cells, and hence the modest cancer predisposition of Exo1-deficient mammalian cells. PMID:19420220

  5. Architecture independent environment for developing engineering software on MIMD computers

    Science.gov (United States)

    Valimohamed, Karim A.; Lopez, L. A.

    1990-01-01

    Engineers are constantly faced with solving problems of increasing complexity and detail. Multiple Instruction stream Multiple Data stream (MIMD) computers have been developed to overcome the performance limitations of serial computers. The hardware architectures of MIMD computers vary considerably and are much more sophisticated than serial computers. Developing large scale software for a variety of MIMD computers is difficult and expensive. There is a need to provide tools that facilitate programming these machines. First, the issues that must be considered to develop those tools are examined. The two main areas of concern were architecture independence and data management. Architecture independent software facilitates software portability and improves the longevity and utility of the software product. It provides some form of insurance for the investment of time and effort that goes into developing the software. The management of data is a crucial aspect of solving large engineering problems. It must be considered in light of the new hardware organizations that are available. Second, the functional design and implementation of a software environment that facilitates developing architecture independent software for large engineering applications are described. The topics of discussion include: a description of the model that supports the development of architecture independent software; identifying and exploiting concurrency within the application program; data coherence; engineering data base and memory management.

  6. Capital Investment by Independent and System-Affiliated Hospitals

    Science.gov (United States)

    Carroll, Nathan W.; Smith, Dean G.; Wheeler, John R. C.

    2015-01-01

    Capital expenditures are a critical part of hospitals’ efforts to maintain quality of patient care and financial stability. Over the past 20 years, finding capital to fund these expenditures has become increasingly challenging for hospitals, particularly independent hospitals. Independent hospitals struggling to find ways to fund necessary capital investment are often advised that their best strategy is to join a multi-hospital system. There is scant empirical evidence to support the idea that system membership improves independent hospitals’ ability to make capital expenditures. Using data from the American Hospital Association and Medicare Cost Reports, we use difference-in-difference methods to examine changes in capital expenditures for independent hospitals that joined multi-hospital systems between 1997 and 2008. We find that in the first 5 years after acquisition, capital expenditures increase by an average of almost $16 000 per bed annually, as compared with non-acquired hospitals. In later years, the difference in capital expenditure is smaller and not statistically significant. Our results do not suggest that increases in capital expenditures vary by asset age or the size of the acquiring system. PMID:26105571

  7. Independence, Odd Girth, and Average Degree

    DEFF Research Database (Denmark)

    Löwenstein, Christian; Pedersen, Anders Sune; Rautenbach, Dieter

    2011-01-01

      We prove several tight lower bounds in terms of the order and the average degree for the independence number of graphs that are connected and/or satisfy some odd girth condition. Our main result is the extension of a lower bound for the independence number of triangle-free graphs of maximum...... degree at most three due to Heckman and Thomas [Discrete Math 233 (2001), 233–237] to arbitrary triangle-free graphs. For connected triangle-free graphs of order n and size m, our result implies the existence of an independent set of order at least (4n−m−1) / 7.  ...

  8. On Independence for Capacities with Law of Large Numbers

    OpenAIRE

    Huang, Weihuan

    2017-01-01

    This paper introduces new notions of Fubini independence and Exponential independence of random variables under capacities to fit Ellsberg's model, and finds out the relationships between Fubini independence, Exponential independence, MacCheroni and Marinacci's independence and Peng's independence. As an application, we give a weak law of large numbers for capacities under Exponential independence.

  9. Quantum cryptography: The power of independence

    Science.gov (United States)

    Ekert, Artur

    2018-02-01

    Device-independent quantum cryptography promises unprecedented security, but it is regarded as a theorist's dream and an experimentalist's nightmare. A new mathematical tool has now pushed its experimental demonstration much closer to reality.

  10. Energy Independent Agri-Business Outreach

    Energy Technology Data Exchange (ETDEWEB)

    Niday, Karen [Cortland County Business Development Corporation, Cortland, NY (United States)

    2011-01-30

    Establish and showcase energy independence at a small to medium scale farm by installing renewable energy equipment that will enable an agribusiness to survive using only energy that is generated onsite

  11. Materialism, status consumption, and consumer independence.

    Science.gov (United States)

    Goldsmith, Ronald Earl; Clark, Ronald A

    2012-01-01

    Materialism influences many people. We focus on two aspects of this influence: reactions to prestige products and to the influence of others. A study of 187 U.S. student consumers shows that materialism is positively related to buying products that confer status. In contrast, materialism is negatively related to consumer independence, an enduring tendency to pay minimal attention to the prescribed norms of other consumers and to make product and brand decisions according to personal preferences. Consuming products for status is also negatively related to consumer independence. Moreover, the association between materialism and consumer independence is completely mediated by consuming for status. Materialism urges consumers to be status conscious so that they follow social norms in purchasing, but seeking status through goods is avoided by less materialistic, independent consumers. A second study (n = 258) also using student consumers confirmed these results.

  12. Kernel-based tests for joint independence

    DEFF Research Database (Denmark)

    Pfister, Niklas; Bühlmann, Peter; Schölkopf, Bernhard

    2018-01-01

    if the $d$ variables are jointly independent, as long as the kernel is characteristic. Based on an empirical estimate of dHSIC, we define three different non-parametric hypothesis tests: a permutation test, a bootstrap test and a test based on a Gamma approximation. We prove that the permutation test......We investigate the problem of testing whether $d$ random variables, which may or may not be continuous, are jointly (or mutually) independent. Our method builds on ideas of the two variable Hilbert-Schmidt independence criterion (HSIC) but allows for an arbitrary number of variables. We embed...... the $d$-dimensional joint distribution and the product of the marginals into a reproducing kernel Hilbert space and define the $d$-variable Hilbert-Schmidt independence criterion (dHSIC) as the squared distance between the embeddings. In the population case, the value of dHSIC is zero if and only...

  13. Opening A New Independent Pharmacy 101

    Directory of Open Access Journals (Sweden)

    Azam Elabed

    2016-02-01

    Full Text Available Opening an independent pharmacy is a process that involves multiple components. The rationale of this project is to discuss different issues that must be investigated prior to opening a new independency pharmacy. This includes the location, structure of the corporation, start-up cost, picking a wholesaler, fulfilling state board requirements and Philadelphia requirements, having a valid license, making professional relationships, and knowing basic marketing research. Methods used include using the knowledge and expertise from an independent pharmacy owner, visiting pharmacies, and interviewing neighbors for basic marketing research. Many aspects of opening an independent pharmacy differ significantly from a retail pharmacy, as there are various issues within the pharmacy and outside the pharmacy that must be extensively researched prior to opening in order to be successful.   Type: Student Project

  14. 46 CFR 62.30-5 - Independence.

    Science.gov (United States)

    2010-10-01

    ... Reliability and Safety Criteria, All Automated Vital Systems § 62.30-5 Independence. (a) Single non-concurrent... part 112 of this chapter, Emergency Lighting and Power Systems) unless one of the sources is— (1...

  15. NMFS Fishery-Independent Survey System (FINSS)

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Fishery Independent Survey System (FINSS) is a national system that characterizes NMFS ocean observation activities, stock and ecosystem data collections during...

  16. Quantum background independence in string theory

    International Nuclear Information System (INIS)

    Witten, E.

    1994-01-01

    Not only in physical string theories, but also in some highly simplified situations, background independence has been difficult to understand. It is argued that the ''holomorphic anomaly'' of Bershadsky, Cecotti, Ooguri and Vafa gives a fundamental explanation of some of the problems. Moreover, their anomaly equation can be interpreted in terms of a rather peculiar quantum version of background independence: in systems afflicted by the anomaly, background independence does not hold order by order in perturbation theory, but the exact partition function as a function of the coupling constants has a background independent interpretation as a state in an auxiliary quantum Hilbert space. The significance of this auxiliary space is otherwise unknown. (author). 23 refs

  17. Starting an Independent Rural Appraisal Business

    OpenAIRE

    Guither, Harold

    2008-01-01

    This article reports the responses from a survey of 45 independent rural appraisers in 18 states and 1 Canadian province who have started their own independent business. All were members of the American Society of Farm Managers and Rural Appraisers in 2006 and held the ARA designation. When they started their own business, the respondents ranged from 25 to 62 years of age. Most engaged in some other services along with appraising. This purpose of this report was to gain insights into starting...

  18. Independent Sets from an Algebraic Perspective

    OpenAIRE

    Dickenstein, Alicia; Tobis, Enrique A.

    2010-01-01

    In this paper, we study the basic problem of counting independent sets in a graph and, in particular, the problem of counting antichains in a finite poset, from an algebraic perspective. We show that neither independence polynomials of bipartite Cohen-Macaulay graphs nor Hilbert series of initial ideals of radical zero-dimensional complete intersections ideals, can be evaluated in polynomial time, unless #P=P. Moreover, we present a family of radical zero-dimensional complete intersection ide...

  19. Independent origins of parasitism in Animalia

    OpenAIRE

    Weinstein, Sara B.; Kuris, Armand M.

    2016-01-01

    Nearly half of all animals may have a parasitic lifestyle, yet the number of transitions to parasitism and their potential for species diversification remain unresolved. Based on a comprehensive survey of the animal kingdom, we find that parasitism has independently evolved at least 223 times in just 15 phyla, with the majority of identified independent parasitic groups occurring in the Arthropoda, at or below the level of Family. Metazoan parasitology is dominated by the study of helminthes;...

  20. Efficient algorithms for conditional independence inference

    Czech Academy of Sciences Publication Activity Database

    Bouckaert, R.; Hemmecke, R.; Lindner, S.; Studený, Milan

    2010-01-01

    Roč. 11, č. 1 (2010), s. 3453-3479 ISSN 1532-4435 R&D Projects: GA ČR GA201/08/0539; GA MŠk 1M0572 Institutional research plan: CEZ:AV0Z10750506 Keywords : conditional independence inference * linear programming approach Subject RIV: BA - General Mathematics Impact factor: 2.949, year: 2010 http://library.utia.cas.cz/separaty/2010/MTR/studeny-efficient algorithms for conditional independence inference.pdf

  1. Credibility of Central Bank Independence Revisited

    OpenAIRE

    Timo T Valila

    1999-01-01

    The specific role of central bank independence in determining the overall credibility of monetary policy is addressed in this paper. It is argued that the credibility of delegating monetary policy to an independent central bank is endogenous to the credibility of the inflation target because a “conservative” inflation target may not be compatible with the fiscal policy stance. Also, lack of transparency in designing the institutional set-up is shown to be welfare-reducing.

  2. Independent Candidaturas in Mexico: A Paradoxical Experience

    OpenAIRE

    Aguirre, Jorge; Aranda, Marco; Infante, José; Ruiz, José

    2017-01-01

    The aim this paper is to evaluate the performance of the independent candidates in Mexico, since its legal adoption in 2014. Specifically, this paper analyses its legal foundations, the legal and the economic requirements –compared to the traditional candidacies of the political parties. The second part of the paper analyses the performance of the independent candidates in the electoral processes carried out in the years 2015, 2016 and 2017. Finally, some conclusions are proposed that revolve...

  3. Alternative Perspectives on Independence of Directors

    OpenAIRE

    Brennan, Niamh; McDermott, Michael

    2004-01-01

    This paper examines the issue of independence of boards of directors and non-executive directors of companies listed on the Irish Stock Exchange. Based on information published in annual reports, the study found that most Irish listed companies were complying with the Combined Code’s recommendations for a balanced board structure, albeit with only 60 per cent having majority-independent boards. The study found a lack of consistency in interpreting the definition of “independence”, a lack of d...

  4. A generalized notion of semantic independence

    DEFF Research Database (Denmark)

    Fränzle, Martin; Stengel, Bernhard von; Wittmüss, Arne

    1995-01-01

    For programs represented semantically as relations, a concept of semantic independence is defined that is more general than previously stated notions. It allows for shared input variables and irrelevant interference due to nondeterminism.......For programs represented semantically as relations, a concept of semantic independence is defined that is more general than previously stated notions. It allows for shared input variables and irrelevant interference due to nondeterminism....

  5. Complex Mobile Independent Power Station for Urban Areas

    Science.gov (United States)

    Tunik, A. A.; Tolstoy, M. Y.

    2017-11-01

    A new type of a complex mobile independent power station developed in the Department of Engineering Communications and Life-Support Systems of Irkutsk National Research Technical University, is presented in this article. This station contains only solar panel, wind turbine, accumulator, diesel generator and microbial fuel cell for to produce electric energy, heat pump and solar collector to generate heat energy and also wastewater treatment plant and new complex control system. The complex mobile independent power station is intended for full power supply of a different kind of consumers located even in remote areas thus reducing their dependence from centralized energy supply systems, decrease the fossil fuel consumption, improve the environment of urban areas and solve the problems of the purification of industrial and municipal wastewater.

  6. Developing independent investigators for clinical research relevant for Africa

    LENUS (Irish Health Repository)

    Manabe, Yukari C

    2011-12-29

    Abstract Sustainable research capacity building requires training individuals at multiple levels within a supportive institutional infrastructure to develop a critical mass of independent researchers. At many African medical institutions, a PhD is important for academic promotion and is, therefore, an important focal area for capacity building programs. We examine the training at the Infectious Diseases Institute (IDI) as a model for in-country training based on systems capacity building and attention to the academic environment. PhD training in Africa should provide a strong research foundation for individuals to perform independent, original research and to mentor others. Training the next generation of researchers within excellent indigenous academic centers of excellence with strong institutional infrastructure will empower trainees to ask regionally relevant research questions that will benefit Africans.

  7. Force That Increases at Larger Distance Has Some Psychological and Astronomical Evidence Supporting its Existence

    Science.gov (United States)

    Struck, James

    2011-09-01

    Force that Increases with distance is different than dark energy as I am arguing for existence of force based on psychological and astronomical bases. Hubble shift, doppler shift, comet return, quasar zoo and quasars and psychological evidence of interest in distant objects lends support to a force like gravity, nuclear, weak, strong, virtual, decay, biological, growth forces which increases its intensity with distance unlike gravity which decreases in intensity with distance. Jane Frances Back Struck contributed to this finding with her request that her grandparents have "perfect justice" even though her grandparents had died before she was born; interest increasing with distance from grandparents.

  8. Mechanistic and dose considerations for supporting adverse pulmonary physiology in response to formaldehyde

    International Nuclear Information System (INIS)

    Thompson, Chad M.; Subramaniam, Ravi P.; Grafstroem, Roland C.

    2008-01-01

    Induction of airway hyperresponsiveness and asthma from formaldehyde inhalation exposure remains a debated and controversial issue. Yet, recent evidences on pulmonary biology and the pharmacokinetics and toxicity of formaldehyde lend support for such adverse effects. Specifically, altered thiol biology from accelerated enzymatic reduction of the endogenous bronchodilator S-nitrosoglutathione and pulmonary inflammation from involvement of Th2-mediated immune responses might serve as key events and cooperate in airway pathophysiology. Understanding what role these mechanisms play in various species and lifestages (e.g., child vs. adult) could be crucial for making more meaningful inter- and intra-species dosimetric extrapolations in human health risk assessment

  9. Supporting ATLAS

    CERN Multimedia

    2003-01-01

    Eighteen feet made of stainless steel will support the barrel ATLAS detector in the cavern at Point 1. In total, the ATLAS feet system will carry approximately 6000 tons, and will give the same inclination to the detector as the LHC accelerator. The installation of the feet is scheduled to finish during January 2004 with an installation precision at the 1 mm level despite their height of 5.3 metres. The manufacture was carried out in Russia (Company Izhorskiye Zavody in St. Petersburg), as part of a Russian and JINR Dubna in-kind contribution to ATLAS. Involved in the installation is a team from IHEP-Protvino (Russia), the ATLAS technical co-ordination team at CERN, and the CERN survey team. In all, about 15 people are involved. After the feet are in place, the barrel toroid magnet and the barrel calorimeters will be installed. This will keep the ATLAS team busy for the entire year 2004.

  10. On the k-independence required by linear probing and minwise independence

    DEFF Research Database (Denmark)

    Pǎtraşcu, Mihai; Thorup, Mikkel

    2016-01-01

    We show that linear probing requires 5-independent hash functions for expected constant-time performance, matching an upper bound of Pagh et al. [2009]. More precisely, we construct a random 4-independent hash function yielding expected logarithmic search time for certain keys. For (1 + ε......)-approximate minwise independence, we show that Ω(lg1 ε)-independent hash functions are required, matching an upper bound of Indyk [2001]. We also show that the very fast 2-independent multiply-shift scheme of Dietzfelbinger [1996] fails badly in both applications....

  11. Information Architecture for Quality Management Support in Hospitals.

    Science.gov (United States)

    Rocha, Álvaro; Freixo, Jorge

    2015-10-01

    Quality Management occupies a strategic role in organizations, and the adoption of computer tools within an aligned information architecture facilitates the challenge of making more with less, promoting the development of a competitive edge and sustainability. A formal Information Architecture (IA) lends organizations an enhanced knowledge but, above all, favours management. This simplifies the reinvention of processes, the reformulation of procedures, bridging and the cooperation amongst the multiple actors of an organization. In the present investigation work we planned the IA for the Quality Management System (QMS) of a Hospital, which allowed us to develop and implement the QUALITUS (QUALITUS, name of the computer application developed to support Quality Management in a Hospital Unit) computer application. This solution translated itself in significant gains for the Hospital Unit under study, accelerating the quality management process and reducing the tasks, the number of documents, the information to be filled in and information errors, amongst others.

  12. Tracing learning about astronomy during an ICT supported inquiry

    DEFF Research Database (Denmark)

    Otrel-Cass, Kathrin; Østergaard, Lars Domino; Johnson, Per

    2012-01-01

    -based learning has to offer. In this presentation we examine the cases of two year 8 classes (14 year old students) who engaged in science inquiry in their science and English lessons and collaborated with a New Zealand class to explore the topic of astronomy. To gain insight into the students’ developing ideas...... to collaborate, discuss and share information is claimed to aid this process. However evidence to support such great expectations is still inconclusive. Assessment tools and the insights they may lend into students’ learning vary greatly and there is a danger they fail to persuade of the potential inquiry...... in astronomy we adopted a multilevel– multifaceted approach. Evidence of learning was collected at three different levels: immediate, close and proximal. We will highlight the insights we gained into students’ developing science inquiry skills and knowledge and explain how the different proximities...

  13. Support facilities

    International Nuclear Information System (INIS)

    Williamson, F.S.; Blomquist, J.A.; Fox, C.A.

    1977-01-01

    Computer support is centered on the Remote Access Data Station (RADS), which is equipped with a 1000 lpm printer, 1000 cpm reader, and a 300 cps paper tape reader with 500-foot spools. The RADS is located in a data preparation room with four 029 key punches (two of which interpret), a storage vault for archival magnetic tapes, card files, and a 30 cps interactive terminal principally used for job inquiry and routing. An adjacent room provides work space for users, with a documentation library and a consultant's office, plus file storage for programs and their documentations. The facility has approximately 2,600 square feet of working laboratory space, and includes two fully equipped photographic darkrooms, sectioning and autoradiographic facilities, six microscope cubicles, and five transmission electron microscopes and one Cambridge scanning electron microscope equipped with an x-ray energy dispersive analytical system. Ancillary specimen preparative equipment includes vacuum evaporators, freeze-drying and freeze-etching equipment, ultramicrotomes, and assorted photographic and light microscopic equipment. The extensive physical plant of the animal facilities includes provisions for holding all species of laboratory animals under controlled conditions of temperature, humidity, and lighting. More than forty rooms are available for studies of the smaller species. These have a potential capacity of more than 75,000 mice, or smaller numbers of larger species and those requiring special housing arrangements. There are also six dog kennels to accommodate approximately 750 dogs housed in runs that consist of heated indoor compartments and outdoor exercise areas

  14. Tourism policy analysis: the case of post-independence Namibia

    Directory of Open Access Journals (Sweden)

    E Nyakunu

    2014-01-01

    Full Text Available Tourism policy is an important domain for tourism researchers. Despite its significance, the analysis and unpacking of the making of tourism policy has so far attracted only limited attention in the global South. This paper reports on the case study of tourism policy in post-independence Namibia. It is disclosed that policy development is led by professional knowledge in support of the leading interest groups in the country's tourism economy, namely large local and private sector enterprises. By contrast, the role of small firms (SMEs, which constitute the largest segment of tourism firms in Namibia, is marginal.

  15. Using quantum principles to develop independent continuing nursing education programs.

    Science.gov (United States)

    Zurlinden, Jeffrey; Pepsnik, Dawn

    2013-01-01

    Innovations in health care call for fresh approaches to continuing nursing education that support lateral relationships, teamwork, and collaboration. To foster this transformation, we devised the following education principles: Everyone teaches, everyone learns; embrace probability; information is dynamic; and trust professionals to practice professionally. These principles guided the development of seven independent, practice-specific, evidence-based continuing nursing education programs totaling 21.5 contact hours for casual-status nurses who practiced as childbirth educators. The programs were popular, promoted teamwork, and increased communication about evidence-based practice.

  16. Independent competition authorities in the EU

    Directory of Open Access Journals (Sweden)

    Johan W. van de Gronden

    2006-06-01

    Full Text Available In most Member States competition law powers have been granted to a more or less independent competition authority. The idea is that the application and enforcement of competition law should not be influenced by political and volatile considerations. However, some recent cases, most notably in the field of merger control, show that political considerations can creep into the decision-making process in competition law. In this paper we examine how the independence of the competition authorities in the United Kingdom, Germany, the Netherlands and the European Union vis-à-vis the political system has actually been regulated. We have not only looked at the independent position from the political sphere, but also at the internal design of the competition authority, i.e. how it is managed. It appears that none of the national legislators has opted for total independence. But the national competition authorities have been confronted with less political control than in the past. For the Commission, this is different, as the Commissioner for Competition does not act independently from other Commissioners, which causes an imbalance between the status of national competition authorities and the Commission. Therefore, it could be considered whether an advisory agency might be set up, having that task to issue recommendations in the field of European competition law.

  17. Supporting Multiple Pointing Devices in Microsoft Windows

    DEFF Research Database (Denmark)

    Westergaard, Michael

    2002-01-01

    In this paper the implementation of a Microsoft Windows driver including APIs supporting multiple pointing devices is presented. Microsoft Windows does not natively support multiple pointing devices controlling independent cursors, and a number of solutions to this have been implemented by us...

  18. Independents add gas reserves, forego romance

    Energy Technology Data Exchange (ETDEWEB)

    Gill, D.

    1981-08-01

    Incentive pricing for low-permeability reservoirs and tax advantages for drilling them are 2 big reasons why more independents may start making a special effort to add gas reserves to their inventories. If so, it will be a change from past practices, which saw independents build up big gas positions by circumstance rather than by intention. There are always major refiners ready and willing to buy whole crude oil reservoirs from small producers, but purchasers willing to take gas fields in a single investment are few and far between. Lower-than-normal return on equity during the first 20 years, plus the heavy front-end cost of a frac necessary to produce the tight gas might dissuade independents from drilling tight gas sands, but those liabilities are offset by the higher price tight gas gets and the peculiar tax advantages of exploring for it that make a nice fit with the small operator's way of doing business.

  19. Independent events in elementary probability theory

    Science.gov (United States)

    Csenki, Attila

    2011-07-01

    In Probability and Statistics taught to mathematicians as a first introduction or to a non-mathematical audience, joint independence of events is introduced by requiring that the multiplication rule is satisfied. The following statement is usually tacitly assumed to hold (and, at best, intuitively motivated): quote specific-use="indent"> If the n events E 1, E 2, … , E n are jointly independent then any two events A and B built in finitely many steps from two disjoint subsets of E 1, E 2, … , E n are also independent. The operations 'union', 'intersection' and 'complementation' are permitted only when forming the events A and B. quote>Here we examine this statement from the point of view of elementary probability theory. The approach described here is accessible also to users of probability theory and is believed to be novel.

  20. Company profile: Big changes revive independent's profits

    International Nuclear Information System (INIS)

    Tippee, B.

    1996-01-01

    In 4 years' time, American Exploration has changed from an aggressive acquirer and manager of producing properties for institutional investors into a geographically focused independent producer dedicated to making money by finding and producing oil and gas. Through its adaptations to unexpectedly stagnant oil prices, American Exploration reflects the type of top-to-bottom changes many independent producers have made to survive a brutal decade. It also demonstrates that an independent producer can prosper in the absence of ever-rising prices: the company reported net income of $3.9 million last year following a $54.8 million loss--much of it related to an accounting change--in 1994 and a string of losses before that. In an interview with Oil and Gas Journal, Andrews discussed his company's transformation and financial turnaround, his new appreciation for the balance between capital and technology, and future directions of his company and industry

  1. The Scottish Independence Referendum and After

    Directory of Open Access Journals (Sweden)

    Michael Keating

    2015-04-01

    Full Text Available The Scottish independence referendum on 18 September 2014 produced an apparently decisive result, with 45 per cent for independence and 55 per cent against. Yet, it has not settled the constitutional issue. There was a huge public engagement in the campaign, which has left a legacy for Scottish and UK politics. Scotland has been reinforced as a political community. The losing Yes side has emerged in better shape and more optimistic, while the winners have struggled to formulate the better autonomy package they had promised. Public opinion continues to favour maximum devolution short of independence. Scotland is a case of the kind of spatial rescaling that is taking place more generally across Europe, as new forms of statehood and of sovereignty evolve. Scottish public opinion favours more self-government but no longer recognizes the traditional nation-state model presented in the referendum question.

  2. Does planning regulation protect independent retailers?

    OpenAIRE

    Raffaella Sadun

    2008-01-01

    Entry regulations against big-box retailers have been introduced in many countries to protect smaller independent stores. Using a new dataset from the UK, I show that in fact these entry regulations have been associated with greater employment declines in independent stores they were meant to protect. The reason is that when large retail chains are prevented from entering a new area with a big-box store, they typically enter instead using a smaller in-town store format. These smaller format s...

  3. THE RIGHT TO AN INDEPENDENT COURT

    Directory of Open Access Journals (Sweden)

    ALIN-GHEORGHE GAVRILESCU

    2011-04-01

    Full Text Available The independence of the court is essential of state of rule, to maintain the stability in juridical intercourse, for the existence of a constitutional democracy achieved through a warranty of the necessary objectivity for the steady and legal settlement of the causes deducted to the trial and the achievement of a fair trial. The article emphasizes the main international juridical tools in which independence of justice is reflected, achieving an examination of judicial practice of European instance as well as an analysis of this principle as it is regulated by Romanian justice.

  4. Survey of independent inventors: An overview

    Energy Technology Data Exchange (ETDEWEB)

    Whalley, P.

    1992-12-01

    Independent inventors are important but little-researched members of the US technical community. The survey reported on here is the first in modern times to attempt to provide a profile of the US independent inventor that goes beyond a single geographical or organizational locale. The report that follows provides an overview of the demographics, practices and concerns of the modern US inventor as represented by the members of leading US inventor organizations. It is by no means comprehensive but seeks to be indicative of the issues raised in the survey each which will be dealt with more comprehensively in future publications.

  5. Quantifying identifiability in independent component analysis

    DEFF Research Database (Denmark)

    Sokol, Alexander; Maathuis, Marloes H.; Falkeborg, Benjamin

    2014-01-01

    We are interested in consistent estimation of the mixing matrix in the ICA model, when the error distribution is close to (but different from) Gaussian. In particular, we consider $n$ independent samples from the ICA model $X = A\\epsilon$, where we assume that the coordinates of $\\epsilon......$ are independent and identically distributed according to a contaminated Gaussian distribution, and the amount of contamination is allowed to depend on $n$. We then investigate how the ability to consistently estimate the mixing matrix depends on the amount of contamination. Our results suggest...

  6. Independent organ donor facilities: The future of organ donation?

    Science.gov (United States)

    Bruzzone, Paolo

    2014-01-01

    more vasosuppressor support, which can be a study bias. It has been proposed that OPOs should organize "recovery teams" for multiple TCs but most transplant surgeons, in case of marginal donors, would like to inspect the organ prior to starting recipient surgery or would send their own team to harvest organs. According to literature, there are no other independent OFOs in US, probably because there is no need for them, and increasing their numbers would not increase organ donation rate. Considering Europe, we do not have information about the existence of independent OFOs: this may be a consequence of logistical organization and minor distances, as well as the higher concentration of TCs. However, the acceptance of such a procedure from donors' families may be less enthusiastic in Europe than in USA, particularly from minorities. In Italy would not be acceptable that the maintenance of BD donors and more generally the operation of independent OFO would rely on non-physicians, to save costs. Finally it is not clear from the reviewed papers who pay for transportation of the donor's body from the independent OFO back to home, but donor's family should not be charged for these expenses. At least 5 donors were lost during transportation, confirming that moving of BD donors remains a risky procedure. The potential economical and organizative benefits of independent OFOs could be counterweighted by the perceived (by relatives and public opinion) commodification/ reification of BD patients. Anyway, the authors of these papers should be congratulated for their innovative proposal. However, a prospective randomized trial would be needed to draw more definitive conclusions on the real benefits of independent OFOs.

  7. Targeted Technology Transfer to US Independents

    Energy Technology Data Exchange (ETDEWEB)

    E. Lance Cole

    2009-09-30

    The Petroleum Technology Transfer Council (PTTC) was established by domestic crude oil and natural gas producers, working in conjunction with the Independent Petroleum Association of America (IPAA), the U.S. Department of Energy (DOE) and selected universities, in 1994 as a national not-for-profit organization. Its goal is to transfer Exploration and Production (E&P) technology to the domestic upstream petroleum industry, in particular to the small independent operators. PTTC connects producers, technology providers and innovators, academia, and university/industry/government research and development (R&D) groups. From inception PTTC has received federal funding through DOE's oil and natural gas program managed by the National Energy Technology Laboratory (NETL). With higher funding available in its early years, PTTC was able to deliver well more than 100 workshops per year, drawing 6,000 or more attendees per year. Facing the reality of little or no federal funding in the 2006-2007 time frame, PTTC and the American Association of Petroleum Geologists (AAPG) worked together for PTTC to become a subsidiary organization of AAPG. This change brings additional organizational and financial resources to bear for PTTC's benefit. PTTC has now been 'powered by AAPG' for two full fiscal years. There is a clear sense that PTTC has stabilized and is strengthening its regional workshop and national technology transfer programs and is becoming more entrepreneurial in exploring technology transfer opportunities beyond its primary DOE contract. Quantitative accomplishments: PTTC has maintained its unique structure of a national organization working through Regional Lead Organizations (RLOs) to deliver local, affordable workshops. During the contract period PTTC consolidated from 10 to six regions efficiency and alignment with AAPG sections. The number of workshops delivered by its RLOs during the contract period is shown below. Combined attendance over the

  8. Perceived effects of home renovation on independence of physically disabled Koreans living at home.

    Science.gov (United States)

    Lee, Yeunsook; Park, Jiyoung; Jang, Miseon

    2017-06-06

    This study aims to identify the potential effects of home renovation on independence promotion of physically disabled Koreans living at home. The method of the study is a survey with a questionnaire; subjects are physically disabled people living at home in rural and urban areas in Korea. The Functional Independence Measure was used to measure changes in subjects' levels of independence. It was expected that if homes were renovated according to individual needs, disabled people's independence level would be increased by one or more level compared to their current daily independence level in their existing homes. In particular, independence levels concerning bathing and locomotion, which are low in existing conditions, were expected to increase significantly with renovation. Such effects on independence level were conspicuous for disabled people in rural area. The results prove the positive effects of home renovations of disabled people's independence, thus providing meaningful academic evidence on home renovations for disabled people. Implication for rehabilitation Korea had a culture where support measures to aid the life independence of disabled persons relied heavily on human services, leading to a lack of diversity in support measures. By closing the gap between the resident's disability and the inadequacy in their prevailing environment, house remodeling can be a crucial intervention for improving the independence of disabled persons in their daily lives. Depending on the nature of their disabilities and their residential arrangements, disabled persons have diverse needs regarding home remodeling. Implementing home remodeling in such a manner that suits the resident's needs is crucial to boosting their independence. Because of this, remodeling personnel must interact with residents prior to the renovation while also strengthening their expertise.

  9. The Illusion of Independence in Evaluation.

    Science.gov (United States)

    Wall, Terry Cobb

    Values and beliefs underlying assumptions concerning the independent evaluations of persons and programs involved in the educational process are discussed. Particular emphasis is placed on M. Scriven's treatise on bias in evaluation (1976). Works by E. R. House, R. E. Stake, L. Stenhouse, M. Parlett and D. Hamilton, and D. L. Stufflebeam are also…

  10. Endothelium-independent and endothelium-dependent ...

    African Journals Online (AJOL)

    This endothelium-independent relaxant effect was also sensitive to combination of 1H-[1,2,4]-oxadiazole-[4,3-á]-quinoxalin- 1-one (ODQ, 10 ìM, soluble guanylyl cyclase inhibitor) and N-[2-(p-Bromocinnamylamino)ethyl]-5-isoquinoline sulfonamide dihydrochloride (H89, 100 nM, Protein Kinase A inhibitor). Taken together ...

  11. Across the Desk: Teaching Through Independent Study

    Science.gov (United States)

    Lamdin, Lois; Worby, Diana

    1976-01-01

    Independent study is addressed as a creative and alternative mode of learning. Its unique advantages and strengths are examined along with its planning and structure, the student/instructor interaction, the use of learning resources, examples of disciplinary and interdisciplinary approaches, the products of such study, and methods of evaluation.…

  12. Temperature-independent resistor for microelectronic circuits

    Science.gov (United States)

    Aegerter, S.; Libby, W. F.

    1970-01-01

    Heat treating insulating crystals in gaseous hydrogen atmosphere produce resistive device which is temperature-independent from 77 to 295 degrees K. Increasing the concentration of hydrogen within the crystal yields semiconductor, hybrid, and metallic conduction characteristics which are combined with a depletion layer at the surface.

  13. Nonlinear integral inequality in two independent variables

    Directory of Open Access Journals (Sweden)

    P. T. Vaz

    1988-01-01

    Full Text Available In this note, the authors obtain a generalization of the integral inequality of Bihari [1] to a nonlinear inequality in two independent variables. With the aid of this inequality a bound for the solution of a nonlinear partial differential equation is established.

  14. Development of independent walking in toddlers

    NARCIS (Netherlands)

    Ivanenko, Yuri P; Dominici, Nadia; Lacquaniti, Francesco

    Surprisingly, despite millions of years of bipedal walking evolution, the gravity-related pendulum mechanism of walking does not seem to be implemented at the onset of independent walking, requiring each toddler to develop it. We discuss the precursor of the mature locomotor pattern in infants as an

  15. Nucleonic coal detector with independent, hydropneumatic suspension

    Science.gov (United States)

    Jones, E. W.; Handy, K.

    1977-01-01

    The design of a nucleonic, coal interface detector which measures the depth of coal on the roof and floor of a coal mine is presented. The nucleonic source and the nucleonic detector are on independent hydropneumatic suspensions to reduce the measurement errors due to air gap.

  16. 12 CFR 614.4255 - Independence requirements.

    Science.gov (United States)

    2010-01-01

    ... Collateral Evaluation Requirements § 614.4255 Independence requirements. (a) Prohibitions. For all personal and intangible property, and for all real property exempted under § 614.4260(c) of this subpart, no... indirect interest, financial or otherwise, in the loan or subject property; (2) As a director, vote on or...

  17. The Culture of the Independent Progressive School

    Science.gov (United States)

    Kloss, Dean

    2018-01-01

    Even in this "Age of Data," independent progressive schools have shown a remarkable persistence in offering an alternative educational model. As Traditional Public Schools (TPS) become even more committed to a testing model of achievement, there are schools that continue to operate on identified progressive educational principles. This…

  18. Independent competition authorities in the EU

    NARCIS (Netherlands)

    Gronden, Johan W.van de; Vries, S.A. de

    2006-01-01

    In most Member States competition law powers have been granted to a more or less independent competition authority. The idea is that the application and enforcement of competition law should not be influenced by political and volatile considerations. However, some recent cases, most notably in the

  19. Quadratic independence of coordinate functions of certain ...

    Indian Academy of Sciences (India)

    ... are `quadratically independent' in the sense that they do not satisfy any nontrivial homogeneous quadratic relations among them. Using this, it is proved that there is no genuine compact quantum group which can act faithfully on C ( M ) such that the action leaves invariant the linear span of the above coordinate functions.

  20. The Next Marketing Handbook for Independent Schools.

    Science.gov (United States)

    Cowan, Rick, Ed.

    Suggestions for marketing independent schools are presented in this handbook, which revolves around the basic marketing model of defining mission/strategy, using the "5 P's" (product/services, price, place, production/delivery, promotion) and monitoring. Chapters by 18 contributors offer information on the following topics: basic marketing theory,…