WorldWideScience

Sample records for lend lone pant

  1. tushar lone

    Indian Academy of Sciences (India)

    Home; Journals; Sadhana. TUSHAR LONE. Articles written in Sadhana. Volume 42 Issue 7 July 2017 pp 1135-1141. Prediction of cardiac arrest recurrence using ensemble classifiers · NACHIKET TAPAS TUSHAR LONE DAMODAR REDDY VENKATANARESH KUPPILI · More Details Abstract Fulltext PDF. Inability of a ...

  2. Lone mothers in Sweden

    DEFF Research Database (Denmark)

    Burström, B; Diderichsen, Finn; Shouls, S

    1999-01-01

    To study trends in the health and socioeconomic circumstances of lone mothers in Sweden over the years 1979-1995, and to make comparisons with couple mothers over the same period.......To study trends in the health and socioeconomic circumstances of lone mothers in Sweden over the years 1979-1995, and to make comparisons with couple mothers over the same period....

  3. A short note on short pants

    OpenAIRE

    Parlier, Hugo

    2015-01-01

    It is a theorem of Bers that any closed hyperbolic surface admits a pants decomposition consisting of curves of bounded length where the bound only depends on the topology of the surface. The question of the quantification of the optimal constants has been well studied and the best upper bounds to date are linear in genus, a theorem of Buser and Sepp\\"al\\"a. The goal of this note is to give a short proof of an linear upper bound which slightly improves the best known bounds.

  4. 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 ...

  5. Process cells dismantling of EUREX pant: previous activities

    International Nuclear Information System (INIS)

    Gili, M.

    1998-01-01

    In the '98-'99 period some process cells of the EUREX pant will be dismantled, in order to place there the liquid wastes conditioning plant 'CORA'. This report resumes the previous activities (plant rinsing campaigns and inactive Cell 014 dismantling), run in the past three years and the drawn experience [it

  6. "Vest over pants" abdominoplasty in post-bariatric patients.

    Science.gov (United States)

    Bracaglia, Roberto; D'Ettorre, Marco; Gentileschi, Stefano; Tambasco, Damiano

    2012-02-01

    Obesity has become a worldwide metabolic disease, necessitating appropriate treatment. Conservative therapy has shown lack of success long term on managing weight loss and comorbidities. On the other hand, bariatric surgery has demonstrated effectiveness. Unfortunately, bariatric patients experience significant skin excess, laxity, and ptosis which may lead to postural, functional, hygienic, dermatologic, and aesthetic impairments. These can be corrected only with body-contouring surgery. Among these procedures, abdominoplasty is one of the most commonly performed operations. In 1977, Planas presented his "vest over pants" abdominoplasty, which had several advantages over the previous approaches. In this study, the technique was tested on post-bariatric patients. From 2005 to 2008, subsequent to laparoscopic biliopancreatic diversion, a tummy tuck was performed on 35 patients (28 females; 7 males). The patients were followed up for a mean period of 5 years. After abdominal contouring, 22 patients had an uneventful recovery and local complications were reported in the other 13 patients. Several advantages of this abdominal lipectomy method were recorded: minimal infection rate and single flap weight; high vascular safety; excellent matching of the flaps' thickness and scar position on the abdomen; minimal cumbersome maneuver and traction of the tissues; relatively short operating and lead time; and discrete comfort for the assistants and surgeon. In conclusion, the "vest over pants" abdominoplasty in post-bariatric patients has been demonstrated to be effective, fast to perform, comfortable for the surgeon, and safe.

  7. 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...

  8. 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...

  9. 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...

  10. Genetic aspects of lone atrial fibrillation

    DEFF Research Database (Denmark)

    Andreasen, Laura; Nielsen, Jonas B; Olesen, Morten S

    2015-01-01

    demonstrated that AF, and in particular lone AF, have a substantial genetic component. Genome-wide association studies (GWAS) have indicated that common single-nucleotide polymorphisms (SNPs) have a role in the development of AF. Furthermore, rare variants in genes encoding cardiac gap junction proteins......, signalling molecules, ion channels, and accessory subunits have been associated with lone AF in several recent genetic reports. Most of these reports show gain-of-function or loss-of-function mutations, leading to increased risk of lone AF. To date, the pathophysiological mechanisms responsible for AF...... are not fully understood, and it is likely that this arrhythmia represents a final common phenotype of multiple. This review focuses on the genetic basis of lone AF and the role of both common and rare variants in the susceptibility of developing lone AF. Furthermore, three conceptual pathogenetic models...

  11. Ultra-Performance Liquid Chromatography Tandem Mass Spectrometry Measurement of Caffeine in Caffeine-Laced Pants and in Urine and Skin of a Pants User

    OpenAIRE

    Pellegrini, Manuela; Orsi, Daniela De; Guarino, Carmine; Rotolo, Maria; Giovannandrea, Rita di; Pacifici, Roberta; Pichini, Simona

    2014-01-01

    A fast and sensitive ultra-performance liquid chromatography tandem mass spectrometry method was developed for the measurement of caffeine in caffeine-laced pants and in urine and skin of a pants user. The substance and its internal standard (N-ethylnorcotinine) were separated by reversed phase chromatography with 5 mM ammonium formate pH 3.0 and 0.3% formic acid in acetonitrile mobile phase (83:17 v/v) by isocratic elution and detected by tandem mass spectrometry operated in multiple reacti...

  12. The enigma of lone wolf terrorism: an assessment

    NARCIS (Netherlands)

    Spaaij, R.

    2010-01-01

    Lone wolf terrorism remains an ambiguous and enigmatic phenomenon. The boundaries of lone wolf terrorism are fuzzy and arbitrary. This article aims to define and analyze the main features and patterns of lone wolf terrorism in fifteen countries. Lone wolf terrorism is shown to be more prevalent in

  13. Lone Actors: Challenges and Opportunities for Countering Violent Extremism

    NARCIS (Netherlands)

    Spaaij, R.; Richman, A.; Sharan, Y.

    2015-01-01

    This paper explores some of the key challenges and opportunities concerning the prevention and control of lone actor terrorism. It is argued that lone actors do not operate in a social vacuum and that the interaction points between lone actors and their social environments can render lone actors

  14. Are Literary Translators (still) Lone Wolves?

    DEFF Research Database (Denmark)

    Jansen, Hanne

    2017-01-01

    This paper examines how much the traditional image of the solitary literary translator still holds true. Changes in professional associations and modes of communication are influencing how translators communicate and collaborate with other translators. This paper presents the results...... of a questionnaire on collaboration within literary translation in Scandinavia. Concepts from Community Studies, such as generalized reciprocity, interpersonal trust and active participation, are employed to discuss whether literary translators feel like members of a community, lone wolves, or simply lonely....

  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. Sex and species recognition by wild male southern white rhinoceros using contact pant calls.

    Science.gov (United States)

    Cinková, Ivana; Policht, Richard

    2016-03-01

    Recognition of information from acoustic signals is crucial in many animals, and individuals are under selection pressure to discriminate between the signals of conspecifics and heterospecifics or males and females. Here, we first report that rhinos use information encoded in their calls to assess conspecifics and individuals of closely related species. The southern (Ceratotherium simum) and critically endangered northern (C. cottoni) white rhinos are the most social out of all the rhinoceros species and use a contact call pant. We found that southern white rhino pant calls provide reliable information about the caller's sex, age class and social situation. Playback experiments on wild territorial southern white rhinoceros males revealed that they responded more strongly to the pant calls of conspecific females compared to the calls of other territorial males. This suggests that pant calls are more important form of communication between males and females than between territorial males. Territorial southern males also discriminated between female and territorial male calls of northern species and reacted more intensively to the calls of northern than southern males. This might be caused by a novelty effect since both species naturally live in allopatry. We conclude that white rhinos can directly benefit from assessing individuals at long distances using vocal cues especially because their eyesight is poor. Pant calls thus likely play a significant role in their social relationships and spatial organization. In addition, better understanding of vocal communication in white rhinos might be helpful in conservation management particularly because of their low reproduction in captivity.

  17. 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.

  18. Thermal panting in dogs: the lateral nasal gland, a source of water for evaporative cooling.

    Science.gov (United States)

    Blatt, C M; Taylor, C R; Habal, M B

    1972-09-01

    Two lateral nasal glands appear to provide a large part of the water for evaporative cooling in the panting dog; their function is analogous to that of sweat glands in man. Each gland drains through a single duct which opens about 2 centimeters inside the opening of the nostril. This location may be essential to avoid desiccation of the nasal mucosa during thermal panting. The rate of secretion from one gland increased from 0 to an average of 9.6 g (gland . hour)(-1) as air temperature was increased from 10 degrees to 50 degrees C. Evaporation of the fluid from the paired glands could account for between 19 and 36 percent of the increase in respiratory evaporation associated with thermal panting. The fluid secreted by the gland was hypoosmotic to plasma.

  19. 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,

  20. Why do the lonely stay lonely? Chronically lonely adolescents' attributions and emotions in situations of social inclusion and exclusion.

    Science.gov (United States)

    Vanhalst, Janne; Soenens, Bart; Luyckx, Koen; Van Petegem, Stijn; Weeks, Molly S; Asher, Steven R

    2015-11-01

    The goal of this study was to identify mechanisms associated with chronic loneliness by examining the effect of adolescents' accumulated history of loneliness on responses to new social situations. Specifically, this study investigated whether attributions and emotions in situations of social inclusion and exclusion differ between chronically lonely adolescents and adolescents with a different loneliness history. A total of 730 adolescents (Mage at Wave 1 = 15.43 years) participated in a 4-wave longitudinal study with annual loneliness assessments. A chronic loneliness trajectory was identified, in addition to low-stable, moderate-stable, moderate-increasing, and high-decreasing loneliness trajectories. At Wave 4, vignettes depicting social inclusion and exclusion were presented, and participants rated a set of attributions and emotions following each vignette. Compared with individuals following other trajectories, chronically lonely adolescents were characterized by hypersensitivity to social exclusion (i.e., higher levels of negative emotions) and hyposensitivity to social inclusion (i.e., lower levels of enthusiasm). Further, chronically lonely adolescents had a stronger tendency to attribute social inclusion to circumstantial factors and social exclusion to internal and stable characteristics. This maladaptive attribution style partially mediated their emotional experiences. Together, results indicate that chronically lonely individuals respond to social situations in ways that may perpetuate rather than reduce their loneliness. (c) 2015 APA, all rights reserved).

  1. Lone-father families in Canada, 1971-1996

    OpenAIRE

    Kevin McQuillan; Marilyn Belle

    2001-01-01

    EnglishDemographers and sociologists have paid considerable attention to thesituation of lone-parent families. However, until recently, almost all of this work has focused onfamilies headed by a lone mother. This paper seeks to fill an important gap in our knowledge of familychange by examining the growth and characteristics of lone-father families in Canada. Using data fromthe public-use microfiles (PUMFs) of the census, the paper shows that the number of lone-fatherfamilies has increased si...

  2. Lone-father families in Canada, 1971-1996

    Directory of Open Access Journals (Sweden)

    Kevin McQuillan

    2001-12-01

    families has increased significantly in recent years, and that lone fathers are now younger and more likely to have become lone fathers through marital breakdown. The results also suggest that while lone-father families are not as economically disadvantaged as lone-mother families, income levels lag well behind those of two-parent families and have, in relative terms, declined in recent years.

  3. 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...

  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. Ultra-Performance Liquid Chromatography Tandem Mass Spectrometry Measurement of Caffeine in Caffeine-Laced Pants and in Urine and Skin of a Pants User

    Directory of Open Access Journals (Sweden)

    Manuela Pellegrini

    2014-04-01

    Full Text Available A fast and sensitive ultra-performance liquid chromatography tandem mass spectrometry method was developed for the measurement of caffeine in caffeine-laced pants and in urine and skin of a pants user. The substance and its internal standard (N-ethylnorcotinine were separated by reversed phase chromatography with 5 mM ammonium formate pH 3.0 and 0.3% formic acid in acetonitrile mobile phase (83:17 v/v by isocratic elution and detected by tandem mass spectrometry operated in multiple reaction monitoring mode via positive electrospray ionization. Linearity was studied from 1.4 to100 ng/mL range for urine, from 5 to 100 ng/cotton swab for skin caffeine and from 1.3 to 100 µg/samples for 4 cm2 textile samples. Good determination coefficients (r2 = 0.99 were found in all cases. At three concentrations spanning the linear dynamic ranges of different samples mean recoveries of caffeine were always higher than 80% and intra-assay and inter-assay imprecision and inaccuracy were always better than 105%. For the first time, caffeine content in this cosmetotextile was determined together with the measurement of caffeine released on the user skin, the absorbed amount with resulting urinary concentrations.

  6. The Lone Wolf Threat: A Different Approach

    Science.gov (United States)

    2016-03-24

    of a lone wolf for the purposes of this case study. Psychological There is little argument that McVeigh was an angry man. Bullied at school, he...believed the U.S. government was the biggest bully of all that threatened the individual rights of American citizens. He wrote letters to...days prior to his attack, Hasan contacted his supervisor and Army legal advisers seeking advice regarding how to handle reports of soldier’s deeds

  7. The Lone Wolf Threat: A Different Approach

    Science.gov (United States)

    2016-03-24

    Hasan is complex. One argument is he was a loner and a misfit, who cracked when ordered to the very war zone that had caused so many of the... identification , deterrence or interdiction. As the lone wolf moves through each stage, the conditions become clearer and collection resources can then be...exploiting the golden moment and if necessary, silver moment, of identification , deterrence, and interdiction. These two windows of opportunity

  8. Passive Nosetip Technology (PANT) Program. Volume X. Summary of Experimental and Analytical Results

    Science.gov (United States)

    1975-01-01

    Wool, 4. R., Powers , C. A., and Derbidge, T. C., "Passive Nosetip Technology (PANT), Interim Report, Volume V - Definition of Shape Change from Low ...techniques are being developed. Model preheating and model recovery techniques are also being developed. High power (50 MIW) arcjets provide simulation...Phenomenology from Low Tempera- ture Ablator Experiments Part I - Experimental Data, Series C (Preliminary Test Series) Part II - Experimental Data

  9. 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...

  10. 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...

  11. 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...

  12. Local Dynamic Stability Assessment of Motion Impaired Elderly Using Electronic Textile Pants.

    Science.gov (United States)

    Liu, Jian; Lockhart, Thurmon E; Jones, Mark; Martin, Tom

    2008-10-01

    A clear association has been demonstrated between gait stability and falls in the elderly. Integration of wearable computing and human dynamic stability measures into home automation systems may help differentiate fall-prone individuals in a residential environment. The objective of the current study was to evaluate the capability of a pair of electronic textile (e-textile) pants system to assess local dynamic stability and to differentiate motion-impaired elderly from their healthy counterparts. A pair of e-textile pants comprised of numerous e-TAGs at locations corresponding to lower extremity joints was developed to collect acceleration, angular velocity and piezoelectric data. Four motion-impaired elderly together with nine healthy individuals (both young and old) participated in treadmill walking with a motion capture system simultaneously collecting kinematic data. Local dynamic stability, characterized by maximum Lyapunov exponent, was computed based on vertical acceleration and angular velocity at lower extremity joints for the measurements from both e-textile and motion capture systems. Results indicated that the motion-impaired elderly had significantly higher maximum Lyapunov exponents (computed from vertical acceleration data) than healthy individuals at the right ankle and hip joints. In addition, maximum Lyapunov exponents assessed by the motion capture system were found to be significantly higher than those assessed by the e-textile system. Despite the difference between these measurement techniques, attaching accelerometers at the ankle and hip joints was shown to be an effective sensor configuration. It was concluded that the e-textile pants system, via dynamic stability assessment, has the potential to identify motion-impaired elderly.

  13. 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

  14. Preventing Lone Wolf Terrorism: some CT Approaches Addressed

    Directory of Open Access Journals (Sweden)

    Edwin Bakker

    2011-12-01

    Full Text Available After a brief discussion of the epistemological and phenomenological difficulties associated with the concept of lone wolf terrorism, a number of possible counter-terrorist approaches are discussed. Lone operator terrorist acts should be considered ‘black swan’ occurrences that are almost impossible to categorize or systematize, let alone forecast. Thus, not the profile of the perpetrator, but the modus operandi offer clues for a better response to this particular threat. Furthermore, almost all lone operators do display a degree of commitment to, and identification with, extremist movements – providing leads for preventing new rounds of radicalization within this potential group of sympathizers or followers. With the apparent increase of Islamist lone wolf terrorism and fears for right-wing extremists wanting to follow the example of the Norwegian mass murderer A.B. Breivik, new questions need to be posed, addressing the role of virtual communities with which lone operators identify themselves. 

  15. Vest-over-Pant Method for Closure of Residual Cavity of Liver Hydatid Cyst

    Directory of Open Access Journals (Sweden)

    Saba Behdad

    2012-01-01

    Full Text Available Objective. Although several therapeutic strategies have proven to be effective for hydatid cyst of liver, but surgery is still the most common therapy despite its morbidity and mortality. Furthermore, a variety of technique has been recommended for managing the residual cavity after cystectomy. We report here a new technical method for the reconstruction of hydatid cyst residual cavity with using overlapping flaps of liver edges (Vest over Pant. Methods. In this technique after removing the cyst, the edges of one side of cyst cavity were sutured to the base of the cavity using three to four mattress sutures, and edges of other side of liver was overlapped on the dorsal part of previous layer using four to five mattress sutures. Therefore residual cavity dead space was obliterated with two surfaces of cavity. Results. Fifty males were treated by our method. The average cyst volume was 423±110 mL. There was no intraabdominal sepsis, bile leakage, or hepatic necrosis. In follow-up ultrasound study, residual cavities were disappeared one month after operation. Conclusion. Overlapping flaps of liver edges (Vest over Pant provides easy, safe closure of cyst with preservation of the liver anatomy.

  16. A false dichotomy? Mental illness and lone-actor terrorism.

    Science.gov (United States)

    Corner, Emily; Gill, Paul

    2015-02-01

    We test whether significant differences in mental illness exist in a matched sample of lone- and group-based terrorists. We then test whether there are distinct behavioral differences between lone-actor terrorists with and without mental illness. We then stratify our sample across a range of diagnoses and again test whether significant differences exist. We conduct a series of bivariate, multivariate, and multinomial statistical tests using a unique dataset of 119 lone-actor terrorists and a matched sample of group-based terrorists. The odds of a lone-actor terrorist having a mental illness is 13.49 times higher than the odds of a group actor having a mental illness. Lone actors who were mentally ill were 18.07 times more likely to have a spouse or partner who was involved in a wider movement than those without a history of mental illness. Those with a mental illness were more likely to have a proximate upcoming life change, more likely to have been a recent victim of prejudice, and experienced proximate and chronic stress. The results identify behaviors and traits that security agencies can utilize to monitor and prevent lone-actor terrorism events. The correlated behaviors provide an image of how risk can crystalize within the individual offender and that our understanding of lone-actor terrorism should be multivariate in nature.

  17. 75 FR 81442 - Revocation of Class E Airspace; Lone Star, TX

    Science.gov (United States)

    2010-12-28

    ... Federal Aviation Administration 14 CFR Part 71 Revocation of Class E Airspace; Lone Star, TX AGENCY... airspace at Lone Star, TX. Abandonment of the former Lone Star Steel Company ] Airport and cancellation of... the Lone Star, TX, area. The FAA is taking this action to ensure the efficient use of airspace within...

  18. 75 FR 64972 - Proposed Revocation of Class E Airspace; Lone Star, TX

    Science.gov (United States)

    2010-10-21

    ... Federal Aviation Administration 14 CFR Part 71 Proposed Revocation of Class E Airspace; Lone Star, TX...: This action proposes to remove Class E airspace at Lone Star, TX. Abandonment of the former Lone Star... eliminated the need for controlled airspace in the Lone Star, TX, area. The FAA is taking this action to...

  19. 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...

  20. Choking under social pressure: social monitoring among the lonely.

    Science.gov (United States)

    Knowles, Megan L; Lucas, Gale M; Baumeister, Roy F; Gardner, Wendi L

    2015-06-01

    Lonely individuals may decode social cues well but have difficulty putting such skills to use precisely when they need them--in social situations. In four studies, we examined whether lonely people choke under social pressure by asking participants to complete social sensitivity tasks framed as diagnostic of social skills or nonsocial skills. Across studies, lonely participants performed worse than nonlonely participants on social sensitivity tasks framed as tests of social aptitude, but they performed just as well or better than the nonlonely when the same tasks were framed as tests of academic aptitude. Mediational analyses in Study 3 and misattribution effects in Study 4 indicate that anxiety plays an important role in this choking effect. This research suggests that lonely individuals may not need to acquire social skills to escape loneliness; instead, they must learn to cope with performance anxiety in interpersonal interactions. © 2015 by the Society for Personality and Social Psychology, Inc.

  1. Mille poolest on algav õppeaasta teile eriline? / Valmar Pantšenko, Martin Adamson, Maire Tamm, Eve Reisalu

    Index Scriptorium Estoniae

    2012-01-01

    Küsimusele vastavad: Tartu Täiskasvanute Gümnaasiumi abiturient Valmar Pantšenko, Eesti meister motokrossis klassis Quad 100 Martin Adamson, Tamsalu Gümnaasiumi õppealajuhataja Maire Tamm ja Ristiku põhikooli õpetaja-metoodik Eve Reisalu

  2. Lone ranger decision making versus consensus decision making: Descriptive analysis

    OpenAIRE

    Maite Sara Mashego

    2015-01-01

    Consensus decision making, concerns group members make decisions together with the requirement of reaching a consensus that is all members abiding by the decision outcome. Lone ranging worked for sometime in a autocratic environment. Researchers are now pointing to consensus decision-making in organizations bringing dividend to many organizations. This article used a descriptive analysis to compare the goodness of consensus decision making and making lone ranging decision management. This art...

  3. Patterns of partnership formation among lone mothers in Russia

    OpenAIRE

    Cordula Zabel

    2008-01-01

    This study examines the determinants of partnership formation among lone mothers in Russia, using data from the Russian Generations and Gender Survey (GGS) and the Education and Employment Survey (EES). The central research question is whether difficult economic circumstances pressure lone mothers to enter new partnerships sooner than they would under other circumstances, limiting their freedom of choice of type of living arrangement. The empirical results show that while occupation influence...

  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. Study of lone working magnetic resonance technologists in Western Australia

    Directory of Open Access Journals (Sweden)

    Tracy Anne Dewland

    2013-12-01

    Full Text Available Objectives: It is recommended that magnetic resonance (MR technologists should not work alone due to potential occupational health risks although lone working is legally acceptable. The objective of this study was to investigate the current situation of lone working MR technologists in Western Australia (WA and any issue against the regulations. Materials and Methods: A questionnaire regarding the issues of occupational health of lone working MR technologists was developed based on relevant literature and distributed to WA MR technologists. Descriptive (percentage of frequency, mean and standard deviation and inferential statistics (Fisher's exact, Chi2 and t tests, and analysis of variance were used to analyze the responses of the yes/no, multiple choice and 5 pt scale questions from the returned questionnaires. Results: The questionnaire response rate was 65.6% (59/90. It was found that about half of the MR technologists (45.8%, 27/59 experienced lone working. The private magnetic resonance imaging (MRI centers were more likely to arrange technologists to work alone (p < 0.05. The respondents expressed positive views on issues of adequacy of training and arrangement, confidence and comfort towards lone working except immediate assistance for emergency (mean: 3. Factors of existence of MRI safety officer (p < 0.05 and nature of lone working (p < 0.001-0.05 affected MR technologists' concerns. Conclusions: Lone working of MR technologists is common in WA especially in private centers. The training and arrangement provided seem to be adequate for meeting the legal requirements. However, several areas should be improved by the workplaces including enhancement on immediate emergency assistance and concern relief.

  11. Lone ranger decision making versus consensus decision making: Descriptive analysis

    Directory of Open Access Journals (Sweden)

    Maite Sara Mashego

    2015-11-01

    Full Text Available Consensus decision making, concerns group members make decisions together with the requirement of reaching a consensus that is all members abiding by the decision outcome. Lone ranging worked for sometime in a autocratic environment. Researchers are now pointing to consensus decision-making in organizations bringing dividend to many organizations. This article used a descriptive analysis to compare the goodness of consensus decision making and making lone ranging decision management. This article explored the models, roles, tools and methods of consensus decision making. The results were that consensus decision making brings people together and cements the relationship among employees. The lone ranger’s decision is only consented to by staff but inwardly disagreeable resulting in short term benefits but long term collapse of organizations.

  12. 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...

  13. Lone-father families in Canada, 1971-1996

    Directory of Open Access Journals (Sweden)

    McQuillan, Kevin

    2001-01-01

    Full Text Available EnglishDemographers and sociologists have paid considerable attention to thesituation of lone-parent families. However, until recently, almost all of this work has focused onfamilies headed by a lone mother. This paper seeks to fill an important gap in our knowledge of familychange by examining the growth and characteristics of lone-father families in Canada. Using data fromthe public-use microfiles (PUMFs of the census, the paper shows that the number of lone-fatherfamilies has increased significantly in recent years, and that lone fathers are now younger and morelikely to have become lone fathers through marital breakdown. The results also suggest that while lone-father families are not as economically disadvantaged as lone-mother families, income levels lag wellbehind those of two-parent families and have, in relative terms, declined in recent years.FrenchLes démographes et sociologues se sont beaucoup attardés à la situation desfamilles monoparentales. Cependant, jusqu'à récemment, l'ensemble de cetravail ciblait surtout les mères seules. Cet article cherche à combler la brèchede notre connaissance des changements dans la famille en examinantl'augmentation du nombre de pères seuls au Canada et les caractéristiques de cesfamilles. Grâce aux données des microfilms à usage public du recensement,l'article illustre que le nombre de pères seuls a considérablement augmenté aucours des dernières années, que les pères seuls sont plus jeunes et que leursituation résulte vraisemblablement de la rupture de leur mariage. Les résultatsindiquent aussi que bien que les familles dont le père est monoparental ne soientpas aussi défavorisées que les familles dont la mère est monoparentale, lesniveaux de revenu accusent un certain retard par rapport aux famillesbiparentales et qu'ils ont relativement baissé au cours des dernières années.

  14. 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...

  15. 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...

  16. 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...

  17. 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)

  18. Self-rated health and mental health of lone fathers compared with lone mothers and partnered fathers: a population-based cross-sectional study.

    Science.gov (United States)

    Chiu, Maria; Rahman, Farah; Kurdyak, Paul; Cairney, John; Jembere, Nathaniel; Vigod, Simone

    2017-05-01

    Lone parenthood is associated with poorer health; however, the vast majority of previous studies have examined lone mothers and only a few have focused on lone fathers. We aimed to examine the self-rated health and mental health status among a large population-based cross-sectional sample of Canadian lone fathers compared with both partnered fathers and lone mothers. We investigated differences in self-rated health and mental health among 1058 lone fathers compared with 20 692 partnered fathers and 5725 lone mothers using the Ontario component of the Canadian Community Health Survey (2001-2013). Multivariable logistic regression was used to compare the odds of poor/fair self-rated health and mental health between the study groups while adjusting for a comprehensive list of sociodemographic factors, stressors and lifestyle factors. Lone fathers and lone mothers showed similar prevalence of poor/fair self-rated health (11.6% and 12.5%, respectively) and mental health (6.2% and 8.4%, respectively); the odds were similar even after multivariable adjustment. Lone fathers showed higher odds of poor/fair self-rated health (OR 1.53, 95% CI 1.07 to 2.17) and mental health (OR 2.09, 95% CI 1.26 to 3.46) than partnered fathers after adjustment for sociodemographic factors; however, these differences were no longer significant after accounting for stressors, including low income and unemployment. In this large population-based study, lone fathers had worse self-rated health and mental health than partnered fathers and similarly poor self-rated health and mental health as lone mothers. Interventions, supports and social policies designed for single parents should also recognise the needs of lone fathers. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://www.bmj.com/company/products-services/rights-and-licensing/.

  19. Analysing Personal Characteristics of Lone-Actor Terrorists: Research Findings and Recommendations

    OpenAIRE

    Roy, de, van Zuijdewijn J.; Bakker, E.

    2016-01-01

    This Research Note presents the outcome of a project that looked at the personal characteristics of lone-actor terrorists. It is part of the larger Countering Lone-Actor Terrorism (CLAT) project. The project described here aimed to improve understanding of, and responses to, the phenomenon of (potentially) violent lone-actors based on an analysis of 120 cases from across Europe. The Research Note focuses on the personal characteristics of lone-actor terrorists.[1] First of all, it presents th...

  20. DMPD: Sensing of bacteria: NOD a lonely job. [Dynamic Macrophage Pathway CSML Database

    Lifescience Database Archive (English)

    Full Text Available 17161646 Sensing of bacteria: NOD a lonely job. Kufer TA, Sansonetti PJ. Curr Opin ...Microbiol. 2007 Feb;10(1):62-9. Epub 2006 Dec 11. (.png) (.svg) (.html) (.csml) Show Sensing of bacteria: NOD a lonely job.... PubmedID 17161646 Title Sensing of bacteria: NOD a lonely job. Authors Kufer TA, Sansonetti

  1. Visualizing lone pairs in compounds containing heavier congeners ...

    Indian Academy of Sciences (India)

    Unknown

    Fm3 PbS provides a segue into perovskite phases of technological significance, including ... rôle of the lone pair in driving (respectively) the ferroelectric and antiferroelectric phase transitions. 2. SnO, αα-PbO ..... of compounds with d0 elements, and to N A Hill for critically reading this manuscript. The Laboratoire SPMS and ...

  2. Molecular electrostatics for probing lone pair-π interactions.

    Science.gov (United States)

    Mohan, Neetha; Suresh, Cherumuttathu H; Kumar, Anmol; Gadre, Shridhar R

    2013-11-14

    An electrostatics-based approach has been proposed for probing the weak interactions between lone pair containing molecules and π deficient molecular systems. For electron-rich molecules, the negative minima in molecular electrostatic potential (MESP) topography give the location of electron localization and the MESP value at the minimum (Vmin) quantifies the electron-rich character of that region. Interactive behavior of a lone pair bearing molecule with electron deficient π-systems, such as hexafluorobenzene, 1,3,5-trinitrobenzene, 2,4,6-trifluoro-1,3,5-triazine and 1,2,4,5-tetracyanobenzene explored within DFT brings out good correlation of the lone pair-π interaction energy (E(int)) with the Vmin value of the electron-rich system. Such interaction is found to be portrayed well with the Electrostatic Potential for Intermolecular Complexation (EPIC) model. On the basis of the precise location of MESP minimum, a prediction for the orientation of a lone pair bearing molecule with an electron deficient π-system is possible in the majority of the cases studied.

  3. Visualizing lone pairs in compounds containing heavier congeners ...

    Indian Academy of Sciences (India)

    In this mini-review, I discuss some recent work on the stereochemistry and bonding of lone pairs of electrons in divalent compounds of the heavier carbon group elements (SnII, PbII) and in trivalent compounds of the heavier nitrogen group elements (BiIII). Recently developed methods that permit the real-space visualization ...

  4. An econometric analysis of smoking prevalence among lone mothers.

    Science.gov (United States)

    Dorsett, R

    1999-08-01

    This paper uses panel data to examine the determinants of smoking among lone mothers over the period 1991-1996. Consideration is given to the initial conditions problem encountered when modelling dynamic panel probit models, and a recently suggested approach is applied to address this problem.

  5. The Integration of Lone English Nouns into Bilingual Sonoran Spanish

    Science.gov (United States)

    Bessett, Ryan M.

    2017-01-01

    Using data from Arizona, United States, the present study seeks to further our understanding of lone other language items (LOLIs) in bilingual discourse and their status as either borrowings or codeswitches by measuring the degree of incorporation that can indicate a LOLI's status as a borrowing or codeswitching. To accomplish this aim, nouns from…

  6. 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.

  7. Adjacent Lone Pair (ALP) Effect: A Computational Approach for Its Origin.

    Science.gov (United States)

    Zhang, Huaiyu; Wu, Wei; Ahmed, Basil M; Mezei, Gellert; Mo, Yirong

    2016-05-23

    The adjacent lone pair (ALP) effect is an experimental phenomenon in certain nitrogenous heterocyclic systems exhibiting the preference of the products with lone pairs separated over other isomers with lone pairs adjacent. A theoretical elucidation of the ALP effect requires the decomposition of intramolecular energy terms and the isolation of lone pair-lone pair interactions. Here we used the block-localized wavefunction (BLW) method within the ab initio valence bond (VB) theory to derive the strictly localized orbitals which are used to accommodate one-atom centered lone pairs and two-atom centered σ or π bonds. As such, interactions among electron pairs can be directly derived. Two-electron integrals between adjacent lone pairs do not support the view that the lone pair-lone pair repulsion is responsible for the ALP effect. Instead, the disabling of π conjugation greatly diminishes the ALP effect, indicating that the reduction of π conjugation in deprotonated forms with two σ lone pairs adjacent is one of the major causes for the ALP effect. Further electrostatic potential analysis and intramolecular energy decomposition confirm that the other key factor is the favorable electrostatic attraction within the isomers with lone pairs separated. © 2016 WILEY-VCH Verlag GmbH & Co. KGaA, Weinheim.

  8. Evidence of Recombinant Citrus tristeza virus Isolate Occurring in Acid Lime cv. Pant Lemon Orchard in Uttarakhand Terai Region of Northern Himalaya in India.

    Science.gov (United States)

    Singh, Jaywant Kumar; Tarafdar, Avijit; Sharma, Susheel Kumar; Biswas, Kajal Kumar

    2013-06-01

    The present study for the first time describes biological and molecular characterization of Citrus tristeza virus (CTV) occurring in the Terai area of Uttarakhand State in Northern Himalaya region of India. Direct antigen coated-ELISA and reverse transcriptase-polymerase chain reaction (RT-PCR) detected the CTV infection in Acid lime cv. Pant lemon (Citrus aurantifolia) orchards of Pantnagar with an estimated disease incidence of 16.6-20.5 %. To know the biological and genetic properties, an isolate, CTV Pant 4 was characterized. Isolate Pant 4 could be graft transmitted to Kinnow, Nagpur and Darjeeling mandarins, Mosambi sweet orange, Kagzi lime, Sweet lime, Sour orange but not to Rough lemon. The sequence analyses of the 5'ORF1a (3038 nucleotides) of LPro domain and 3'end (2058 nt) covering ORF7-ORF10 regions of the CTV genome revealed that Pant 4 was closely related to the previously reported Indian CTV isolate, Kpg3 from Northeastern Himalaya region with 97 and 98 % sequence identity, respectively. Whereas, it differed from the previously reported CTV isolate B165 from Southern India with 79 and 92 % identity, respectively for 5'ORF1a and 3' end regions. Recombination and SplitsTree decomposition analyses indicated that CTV isolate Pant 4 was a recombinant isolate originating from Kpg3 as a major and B165 as a minor donor.

  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. 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...

  14. 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.

  15. Sitting into the limelight: Lonely Chairs at CERN turns one

    CERN Multimedia

    Katarina Anthony

    2015-01-01

    A picture may be worth a thousand words - but a picture of a chair? It’s worth a story all by itself. Over the past year, the "Lonely Chairs at CERN" photography blog has let the chairs do the talking. Along the way, these chairs have inspired and enchanted people across the globe with their honest depiction of the Laboratory.   This lonely chair outside Building 32 was one of the first Rebeca photographed. When CMS physicist Rebeca Gonzalez Suarez created Lonely Chairs at CERN back in April 2014, she was not expecting the immediate reaction it garnered. Within days, the blog had picked up thousands of followers and was featured in Gizmodo and The Guardian. "The response inside CERN was very positive, but the response outside was overwhelming," says Rebeca. "I’ve got a lot of followers who are really into science and are very excited about CERN. They comment about wanting to work here - sometimes on the ugliest chair I&rsqu...

  16. Experiencias extra ordinarias de la arquitectura sagrada: Los casos de Chartres, Ronchamp y el Panteón

    Directory of Open Access Journals (Sweden)

    Julio Bermúdez

    2012-12-01

    Full Text Available Usando casi 2.900 respuestas a una encuesta sobre "Experiencias Arquitectónicas Extraordinarias" (EAEs como un mapa estadístico de la dimensión subjetiva de arquitecturas excepcionales, este artículo se enfoca en tres obras religiosas paradigmáticas citadas en el sondeo: el Panteón, la Catedral de Chartres, y la Capilla de Ronchamp. El propósito es establecer (a el carácter experiencial único (extraordinario y sagrado de cada obra; (b una comparación entre ellas con relación a las EAEs en general; y (c posibles vínculos entre respuesta subjetiva y los factores empíricos de lo construido. La taxonomía hermenéutica de arquitectura sagrada de Lindsay Jones (2000 es usada para articular el análisis interpretativo de la información y relaciones descubiertas. Se concluye que el Panteón induce experiencias espirituales usándose a sí mismo como modus operandi contemplativo, mientras que Chartres lo logra combinando estrategias teatrales y contemplativas, y Ronchamp su calidad de santuario y naturaleza estética contemplativa.

  17. 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,

  18. 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.

  19. 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…

  20. 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

  1. 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.

  2. 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.

  3. 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...

  4. Eric Woods - A lone radiographer at the Normandy landings

    International Nuclear Information System (INIS)

    Barrett, Jean; Ferris, Christine

    2009-01-01

    Although much of the activity around D-day is recorded many of the support services such as radiography do not feature. This account of a radiographer at the Normandy landings gives an insight into the everyday work of a lone radiographer in the Armed Forces in the 1940s. This work is the product of an oral history taken by Jean Barrett in accordance with the acknowledged ethical requirements of oral history. Eric Wood has given his permission for the publication of his stories. The work was presented at the conference for the British Society for the History of Radiology 2008 (Sheffield).

  5. Understanding how education/support groups help lone mothers

    Directory of Open Access Journals (Sweden)

    Cameron Ruth

    2010-01-01

    Full Text Available Abstract Background Lone-mother led families are at increased risk of psychosocial disadvantage, social isolation and mental health morbidity. Community-based programs are more accessible for families seeking assistance. We examine the experiences of eight lone mothers participating in a larger randomized controlled trial (RCT of a community-based education/support group program using mixed methods. Methods A purposeful sample of eight mothers participating in the intervention arm of an RCT of community-based support/education groups was selected for the qualitative study. Individual interviews asked mothers about themselves and their relationships with their children before and after the group. Interviews were taped, transcribed and content analysis was used to code and interpret the data. Quantitative data collected in the RCT were used to describe these mothers. Results Mothers participating in the RCT and qualitative study experienced multiple difficulties, including financial and mood problems. These mothers reported that before participating in the group, they had shared experiences of social isolation, stigma, a sense of failure, poor relationships with their children and difficulties with financial management. After the group, mothers identified improved self-esteem, support from other mothers, improved parenting skills and improved communication with their children as outcomes of group participation. Conclusions The qualitative data revealed mothers' perceptions of specific areas that improved by participating in the group. The utility of complementary information provided by qualitative and quantitative methods in understanding program impact, as well as the need for broader assistance is noted.

  6. Lone mothers and welfare policies in Albania : Conditions, experiences, expectations, 1944-2013

    NARCIS (Netherlands)

    Gruda, A.

    2015-01-01

    This is an action research that endeavors to construct the category of ‘lone mothers’ in Albania, through their own voice, for the purpose of creating the socio-political discourse on their real needs they and their children have. It talks about lone mothers not as needy or vulnerable, but as women

  7. Careful or lenient : welfare reform for lone mothers in the Netherlands

    NARCIS (Netherlands)

    Knijn, Trudie; Wel, Frits van

    2001-01-01

    The 1996 welfare reform that attempted to get lone parents out of social assistance represents a major shift in social policy in the Netherlands. Instead of having the financial right to care for their children, lone mothers are now obliged to earn their living by paid work as soon as their youngest

  8. European Lone Actor Terrorists Versus “Common” Homicide Offenders : An Empirical Analysis

    NARCIS (Netherlands)

    Liem, M.C.A.; Buuren, van G.M.; Roy, de van Zuijdewijn J.H.; Schönberger, H.J.M.; Bakker, E.

    2017-01-01

    The term “Lone Actor” has been applied to a variety of violent individuals who are thought to act out of ideological motivations using terrorist tactics. So far, much of the research is U.S.-based. There is an empirical vacuum of Lone Actor violence in Europe and a conceptual gap in how these acts

  9. Analysing Personal Characteristics of Lone-Actor Terrorists : Research Findings and Recommendations

    NARCIS (Netherlands)

    Roy, de van Zuijdewijn J.; Bakker, E.

    2016-01-01

    This Research Note presents the outcome of a project that looked at the personal characteristics of lone-actor terrorists. It is part of the larger Countering Lone-Actor Terrorism (CLAT) project. The project described here aimed to improve understanding of, and responses to, the phenomenon of

  10. 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...

  11. 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...

  12. 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.

  13. 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...

  14. 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.

  15. 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...

  16. Lonely adolescents exhibit heightened sensitivity for facial cues of emotion.

    Science.gov (United States)

    Vanhalst, Janne; Gibb, Brandon E; Prinstein, Mitchell J

    2017-02-01

    Contradicting evidence exists regarding the link between loneliness and sensitivity to facial cues of emotion, as loneliness has been related to better but also to worse performance on facial emotion recognition tasks. This study aims to contribute to this debate and extends previous work by (a) focusing on both accuracy and sensitivity to detecting positive and negative expressions, (b) controlling for depressive symptoms and social anxiety, and (c) using an advanced emotion recognition task with videos of neutral adolescent faces gradually morphing into full-intensity expressions. Participants were 170 adolescents (49% boys; M age  = 13.65 years) from rural, low-income schools. Results showed that loneliness was associated with increased sensitivity to happy, sad, and fear faces. When controlling for depressive symptoms and social anxiety, loneliness remained significantly associated with sensitivity to sad and fear faces. Together, these results suggest that lonely adolescents are vigilant to negative facial cues of emotion.

  17. External validity of a generic safety climate scale for lone workers across different industries and companies.

    Science.gov (United States)

    Lee, Jin; Huang, Yueng-hsiang; Robertson, Michelle M; Murphy, Lauren A; Garabet, Angela; Chang, Wen-Ruey

    2014-02-01

    The goal of this study was to examine the external validity of a 12-item generic safety climate scale for lone workers in order to evaluate the appropriateness of generalized use of the scale in the measurement of safety climate across various lone work settings. External validity evidence was established by investigating the measurement equivalence (ME) across different industries and companies. Confirmatory factor analysis (CFA)-based and item response theory (IRT)-based perspectives were adopted to examine the ME of the generic safety climate scale for lone workers across 11 companies from the trucking, electrical utility, and cable television industries. Fairly strong evidence of ME was observed for both organization- and group-level generic safety climate sub-scales. Although significant invariance was observed in the item intercepts across the different lone work settings, absolute model fit indices remained satisfactory in the most robust step of CFA-based ME testing. IRT-based ME testing identified only one differentially functioning item from the organization-level generic safety climate sub-scale, but its impact was minimal and strong ME was supported. The generic safety climate scale for lone workers reported good external validity and supported the presence of a common feature of safety climate among lone workers. The scale can be used as an effective safety evaluation tool in various lone work situations. Copyright © 2013 Elsevier Ltd. All rights reserved.

  18. Bombing Alone: Tracing the Motivations and Antecedent Behaviors of Lone-Actor Terrorists*,†,‡

    Science.gov (United States)

    Gill, Paul; Horgan, John; Deckert, Paige

    2014-01-01

    This article analyzes the sociodemographic network characteristics and antecedent behaviors of 119 lone-actor terrorists. This marks a departure from existing analyses by largely focusing upon behavioral aspects of each offender. This article also examines whether lone-actor terrorists differ based on their ideologies or network connectivity. The analysis leads to seven conclusions. There was no uniform profile identified. In the time leading up to most lone-actor terrorist events, other people generally knew about the offender’s grievance, extremist ideology, views, and/or intent to engage in violence. A wide range of activities and experiences preceded lone actors’ plots or events. Many but not all lone-actor terrorists were socially isolated. Lone-actor terrorists regularly engaged in a detectable and observable range of activities with a wider pressure group, social movement, or terrorist organization. Lone-actor terrorist events were rarely sudden and impulsive. There were distinguishable behavioral differences between subgroups. The implications for policy conclude this article. PMID:24313297

  19. Absence of heat intolerance (panting) syndrome in foot-and-mouth disease-affected Indian cattle (Bos indicus) is associated with intact thyroid gland function.

    Science.gov (United States)

    Maddur, M S; Rao, S; Chockalingam, A K; Kishore, S; Gopalakrishna, S; Singh, N; Suryanarayana, V V S; Gajendragad, M R

    2011-06-01

    Foot-and-mouth disease (FMD) is a highly contagious and economically important viral disease with high morbidity and reduced productivity of affected animals. We studied the heat intolerance (HI) (panting) syndrome and the effect of FMD virus (FMDV) infection on thyroid gland function in Indian cattle (Bos indicus). Experimental infection with FMDV Asia 1 resulted in a mild form of disease with superficial lesions. Heat intolerance syndrome and its signs were not observed among the recovered animals. Subtle changes in the serum level of thyroid hormones, triiodothyronine (T₃) and thyroxine (T₄) were observed. However, there were no distinct histological changes in the thyroid gland, and FMDV antigens were not detected in the thyroid tissues. Our results thus suggest that the absence of panting syndrome in FMD-affected Bos indicus cattle may be associated with intact thyroid gland function.

  20. Lonely people are no longer lonely on social networking sites: the mediating role of self-disclosure and social support.

    Science.gov (United States)

    Lee, Kyung-Tag; Noh, Mi-Jin; Koo, Dong-Mo

    2013-06-01

    Most previous studies assert the negative effect of loneliness on social life and an individual's well-being when individuals use the Internet. To expand this previous research tradition, the current study proposes a model to test whether loneliness has a direct or indirect effect on well-being when mediated by self-disclosure and social support. The results show that loneliness has a direct negative impact on well-being but a positive effect on self-disclosure. While self-disclosure positively influences social support, self-disclosure has no impact on well-being, and social support positively influences well-being. The results also show a full mediation effect of social support in the self-disclosure to well-being link. The results imply that even if lonely people's well-being is poor, their well-being can be enhanced through the use of SNSs, including self-presentation and social support from their friends.

  1. 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

  2. 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.

  3. 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.

  4. 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.

  5. Francofemme Duality (Luce Irigaray-Hélène Cixous the Many Faces of Womanhood in Pantelis Voulgaris' Brides

    Directory of Open Access Journals (Sweden)

    CHRISTOS STAVROU

    2016-02-01

    Full Text Available Luce Irigaray and Hélène Cixous dealt with issues of female writing and femininity in art and have gained international respect and recognition for their work. In fact, their theories constitute a framework for the comprehension of gender issues. It is commonly accepted that the reflection of womanhood in contemporary art has undergone various changes. According to these two french feminists, women have been always struggling against male superiority and male vision of the world. This inequality of the genders is apparent from a very early age and it is obvious even in language issues. Both of them mentioned the deep relationship between body and language but also the need for a female discourse. This paper shows, through a detailed analysis, this eternal struggle in Voulgaris' film Brides where the audience experiences the many faces of womanhood during war times. This film achieves to deconstruct the image of the woman as an inferior human being. Through the script, the photography and even human gestures, Pantelis Voulgaris creates a film adaptation which bears a profound respect to the original text. As a result, this paper will impose the basic elements of Irigaray's and Cixous' theory upon the female writing of Ioanna Karystiani in order to reveal the inner connection of this film with these feminist theories and meanings.

  6. 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.

  7. 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.

  8. 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.

  9. 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.

  10. 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.

  11. Incomplete right bundle branch block: a novel electrocardiographic marker for lone atrial fibrillation

    DEFF Research Database (Denmark)

    Nielsen, Jonas Bille; Olesen, Morten Salling; Tangø, Mogens

    2011-01-01

    Aims P-wave morphology and PR interval have both been previously associated with atrial fibrillation (AF). We hypothesized that incomplete right bundle branch block (IRBBB) would be associated with early-onset lone AF. Methods and results We conducted a case-control study comparing electrocardiog......Aims P-wave morphology and PR interval have both been previously associated with atrial fibrillation (AF). We hypothesized that incomplete right bundle branch block (IRBBB) would be associated with early-onset lone AF. Methods and results We conducted a case-control study comparing...... of antiarrhythmic drugs. For the remaining 125 patients with paroxysmal or persistent lone AF (84% males, mean age 37), controls were matched on a 1:1 basis on the parameters gender and age. A significantly higher proportion of the lone AF population had an IRBBB compared with the subjects in the control group (33...

  12. Cultural antecedents of feeling lonely : Individualism, collectivism, and loneliness in Austria

    NARCIS (Netherlands)

    Heu, Luzia; van Zomeren, Martijn; Hansen, Nina

    2017-01-01

    Feeling lonely is profoundly unhealthy, but poorly understood. We examined the cultural dimension of collectivism (vs. individualism) as a potential risk factor for loneliness. Generally, we expected loneliness to flow from perceived ideal-actual discrepancies regarding social relationship

  13. The health and socio-economic circumstances of British lone mothers over the last two decades

    DEFF Research Database (Denmark)

    Shouls, S; Whitehead, M; Burström, B

    1999-01-01

    This article examines the trends in the socio-economic circumstances and health of lone mothers compared to couple mothers from 1979 to 1995 in Great Britain using secondary analysis of data from General Household Survey and covering 9,159 lone mothers and 51,922 couple mothers living in private...... households. The main measures are self perceived general health, limiting long-standing illness, poverty and working status....

  14. Lone Actor Terrorist Attack Planning and Preparation: A Data-Driven Analysis.

    Science.gov (United States)

    Schuurman, Bart; Bakker, Edwin; Gill, Paul; Bouhana, Noémie

    2017-10-23

    This article provides an in-depth assessment of lone actor terrorists' attack planning and preparation. A codebook of 198 variables related to different aspects of pre-attack behavior is applied to a sample of 55 lone actor terrorists. Data were drawn from open-source materials and complemented where possible with primary sources. Most lone actors are not highly lethal or surreptitious attackers. They are generally poor at maintaining operational security, leak their motivations and capabilities in numerous ways, and generally do so months and even years before an attack. Moreover, the "loneness" thought to define this type of terrorism is generally absent; most lone actors uphold social ties that are crucial to their adoption and maintenance of the motivation and capability to commit terrorist violence. The results offer concrete input for those working to detect and prevent this form of terrorism and argue for a re-evaluation of the "lone actor" concept. © 2017 The Authors. Journal of Forensic Sciences published by Wiley Periodicals, Inc. on behalf of American Academy of Forensic Sciences.

  15. 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

  16. 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...

  17. 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.

  18. 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...

  19. 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...

  20. 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] ...

  1. 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

  2. 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.

  3. 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 ...

  4. 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 ...

  5. 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

  6. 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

  7. 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.

  8. 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...

  9. 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

  10. Chico Xavier: de bem simbólico do Espiritismo ao panteão da Umbanda. Literatura umbandista e identidade religiosa

    Directory of Open Access Journals (Sweden)

    Artur Cesar Isaia

    2016-01-01

    Full Text Available O objetivo deste texto é mostrar a forma inclusiva como Chico Xavier passa a frequentar a literatura umbandista, chegando ao seu panteão. Mostra o caráter dinâmico e plástico com que a Umbanda constrói-se, sendo capaz de incluir entre as entidades do seu culto, mesmo um bem simbólico do Espiritismo, ciosamente guardado como uma marca identitária espírita brasileira. Sobretudo, evidencia o texto a presença interdiscursiva de Chico Xavier na literatura produzida pelos intelectuais da Umbanda.

  11. 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.

  12. 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...

  13. 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...

  14. 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...

  15. Adult Workers in Theory or Practice? : Lone Mothers’ Participation in Active Labour Market Programmes in Germany

    Directory of Open Access Journals (Sweden)

    Cordula Zabel

    2015-03-01

    Full Text Available This paper examines lone mothers’ participation in active labour market programmes in Germany. Since the 2005 Hartz IV employment and welfare policy reforms, expectations that non-em- ployed parents receiving means-tested benefits should be ready for employment or labour market programme participation have grown stronger. However, discretion for programme assignments is left to individual caseworkers. As a consequence, it is not clear to what extent the formal policy orientation towards an adult worker model of the family is reflected in practical policy implemen- tations. Thus, lone mothers’ participation in active labour market programmes is studied empiri- cally here on the basis of large-scale administrative data, using event-history analysis. Findings are that lone mothers are treated as adult workers with respect to workfare and training pro- grammes even when their children are still quite young. As soon as their youngest child is 3 - 5 years old, lone mothers’ transition rates into these programmes are as high as for childless single women. In the case of programmes that provide more direct pathways into regular employment, like job subsidies and in-firm training programmes, however, participation rates for lone mothers of young children are substantially lower than for childless single women.

  16. 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.

  17. 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

  18. 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...

  19. 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…

  20. Screening of KCNN3 in patients with early-onset lone atrial fibrillation

    DEFF Research Database (Denmark)

    Olesen, Morten Sig; Jabbari, Javad; Holst, Anders G

    2011-01-01

    Aims The aim of this study was to screen KCNN3 encoding the small-conductance calcium-activated K(+) channel (SK3) in lone atrial fibrillation patients. Atrial fibrillation (AF) is the most common cardiac arrhythmia. A genome-wide association study has recently associated an intronic single......-nucleotide polymorphism (SNP) in KCNN3 with lone AF. Methods and results We sequenced the coding region and splice junctions of KCNN3 in 209 early-onset lone AF patients, screening for variations. A group of 208 healthy blood donors with normal ECGs and without cardiac symptoms were used as controls. All patients...... and controls were of Danish ethnicity. No mutations were found in the coding regions or splice sites of KCNN3. We found one known exonic synonymous SNP (rs1131820) in KCNN3 that was associated with AF. Both the genotype distribution and allele frequencies of SNP rs1131820 were significantly different between...

  1. Aortic stiffness in lone atrial fibrillation: a novel risk factor for arrhythmia recurrence.

    Directory of Open Access Journals (Sweden)

    Dennis H Lau

    Full Text Available BACKGROUND: Recent community-based research has linked aortic stiffness to the development of atrial fibrillation. We posit that aortic stiffness contributes to adverse atrial remodeling leading to the persistence of atrial fibrillation following catheter ablation in lone atrial fibrillation patients, despite the absence of apparent structural heart disease. Here, we aim to evaluate aortic stiffness in lone atrial fibrillation patients and determine its association with arrhythmia recurrence following radio-frequency catheter ablation. METHODS: We studied 68 consecutive lone atrial fibrillation patients who underwent catheter ablation procedure for atrial fibrillation and 50 healthy age- and sex-matched community controls. We performed radial artery applanation tonometry to obtain central measures of aortic stiffness: pulse pressure, augmentation pressure and augmentation index. Following ablation, arrhythmia recurrence was monitored at months 3, 6, 9, 12 and 6 monthly thereafter. RESULTS: Compared to healthy controls, lone atrial fibrillation patients had significantly elevated peripheral pulse pressure, central pulse pressure, augmentation pressure and larger left atrial dimensions (all P<0.05. During a mean follow-up of 2.9±1.4 years, 38 of the 68 lone atrial fibrillation patients had atrial fibrillation recurrence after initial catheter ablation procedure. Neither blood pressure nor aortic stiffness indices differed between patients with and without atrial fibrillation recurrence. However, patients with highest levels (≥75(th percentile of peripheral pulse pressure, central pulse pressure and augmentation pressure had higher atrial fibrillation recurrence rates (all P<0.05. Only central aortic stiffness indices were associated with lower survival free from atrial fibrillation using Kaplan-Meier analysis. CONCLUSION: Aortic stiffness is an important risk factor in patients with lone atrial fibrillation and contributes to higher atrial

  2. Strange attractors, spiritual interlopers and lonely wanderers: The search for pre-Pangean supercontinents

    Directory of Open Access Journals (Sweden)

    Joseph G. Meert

    2014-03-01

    A second possibility is that our views of older supercontinents are shaped by well-known connections documented for the most recent supercontinent, Pangea. It is intriguing that three of the four ‘lonely wanderers’ (Tarim, North China, South China did not unite until just before, or slightly after the breakup of Pangea. The fourth ‘lonely wanderer’, the Kalahari (and core Kaapvaal craton has a somewhat unique Archean-age geology compared to its nearest neighbors in Gondwana, but very similar to that in western Australia.

  3. Is it lonely at the top? An empirical study of managers' and nonmanagers' loneliness in organizations.

    Science.gov (United States)

    Wright, Sarah

    2012-01-01

    Loneliness is often assumed to be an occupational hazard for senior-ranked members of an organization. However, most of what researchers hear about being "lonely at the top" is anecdote. This article provides empirical evidence from three separate studies assessing loneliness in managers and nonmanagers. Across all three studies, loneliness did not differ by managerial status. Managers were no more or less lonely than their nonmanager counterparts. This suggests that factors beyond seniority may be contributing to loneliness in organizational settings. Ideas for future research are discussed.

  4. Radicalization patterns and modes of attack planning and preparation among lone-actor terrorists : an exploratory analysis

    NARCIS (Netherlands)

    Lindekilde, L.; O'Connor, F.; Schuurman, B.W.

    2017-01-01

    This article explores the link between radicalization patterns and modes of attack planning and preparation among lone-actor terrorists. Building on theorized patterns of lone-actor radicalization, we discuss and compare their modes of pre-attack behavior, including target and weapon choice,

  5. Have Two Lonely Trans-Neptunian Objects Found Each Other?

    Science.gov (United States)

    Kohler, Susanna

    2017-08-01

    . The authors explore three potential causes for this variation: the object has a varyingalbedo; it has an elongated, ellipsoidal shape; or it is a contact binary.Asteroids and TNOs tend to have albedo variations of no more than 1020%. Since 2004 TT357s light curve varies by 80%, it seems unlikely that the albedo is the cause of the variability. And while the authors show that we cant rule out 2004 TT357 having an elongated ellipsoid body, the morphology of the light curve favors the explanation that this object is a contact binary.A Dense BinaryHubble observations of 2004 TT357, which (unsurprisingly, given the distance) reveal no evidence of the object being a binary. [Thirouin et al. 2017]If 2004 TT357 is a contact binary, what can we learn about it? Its components most likely have a very unequal mass ratio in which one lobe is only 45% the mass of the other, according to the authors estimates. Its density could be quite high 2 g/cm3 which means it likely has a rocky composition.Future observations of this system at different observing angles mayallow us to confirm whether 2004 TT357 truly is a contact binary. For now, well just have to hold out hope that two lonely TNOs have found each other in the vastness of space.CitationAudrey Thirouin et al 2017 ApJ 844 135. doi:10.3847/1538-4357/aa7ed3

  6. 49 CFR 214.337 - On-track safety procedures for lone workers.

    Science.gov (United States)

    2010-10-01

    ... RAILROAD ADMINISTRATION, DEPARTMENT OF TRANSPORTATION RAILROAD WORKPLACE SAFETY Roadway Worker Protection... other physical conditions. (d) The place of safety to be occupied by a lone worker upon the approach of... position or engage in any activity that would interfere with that worker's ability to maintain a vigilant...

  7. Negotiating the Risk of Debt-Financed Higher Education: The Experience of Lone Parent Students

    Science.gov (United States)

    Hinton-Smith, Tamsin

    2016-01-01

    Widening participation has opened higher education (HE) to diverse learners, but in doing so has created challenges negotiating situations of disadvantaged positioning compared with peers conforming more closely to the ideal "bachelor boy" student. As one of the most financially vulnerable groups of students, lone parents occupy a doubly…

  8. Common variants in KCNN3 are associated with lone atrial fibrillation

    NARCIS (Netherlands)

    P.T. Ellinor (Patrick); K.L. Lunetta (Kathryn); N.L. Glazer (Nicole); A. Pfeufer (Arne); A. Alonso (Alvaro); M.K. Chung (Mina); M.F. Sinner (Moritz); P.I.W. de Bakker (Paul); M. Mueller (Martina); S.A. Lubitz (Steven); E.R. Fox (Ervin); D. Darbar (Dawood); N.L. Smith (Nicholas); R. Schnabel (Renate); E.Z. Soliman (Elsayed); K. Rice (Kenneth); D.R. van Wagoner (David); B.M. Beckmann (Britt); C. van Noord (Charlotte); T.J. Wang (Thomas); G.B. Ehret (Georg); J.I. Rotter (Jerome); S.L. Hazen (Stanley); G. Steinbeck (Gerhard); L.J. Launer (Lenore); T.B. Harris (Tamara); S. Makino (Seiko); M. Nelis (Mari); D.J. Milan (David); S. Perz (Siegfried); T. Esko (Tõnu); A. Köttgen (Anna); S. Moebus (Susanne); C. Newton-Cheh (Christopher); M. Li (Man); S. Möhlenkamp (Stefan); W.H. Linda Kao; R.S. Vasan (Ramachandran Srini); M.M. Nöthen (Markus); C.A. MacRae (Calum); B.H.Ch. Stricker (Bruno); A. Hofman (Albert); A.G. Uitterlinden (André); D. Levy (Daniel); E.A. Boerwinkle (Eric); A. Metspalu (Andres); E.J. Topol (Eric); A. Chakravarti (Aravinda); V. Gudnason (Vilmundur); B.M. Psaty (Bruce); D.M. Roden (Dan); T. Meitinger (Thomas); H.E. Wichmann (Erich); J.C.M. Witteman (Jacqueline); J. Barnard (John); D.E. Arking (Dan); E.J. Benjamin (Emelia); S.R. Heckbert (Susan); S. Kääb (Stefan)

    2010-01-01

    textabstractAtrial fibrillation (AF) is the most common sustained arrhythmia. Previous studies have identified several genetic loci associated with typical AF. We sought to identify common genetic variants underlying lone AF. This condition affects a subset of individuals without overt heart disease

  9. Dependence of the lone pair of bismuth on coordination environment and pressure

    DEFF Research Database (Denmark)

    Olsen, Lars Arnskov; López-Solano, Javier; García, Alberto

    2010-01-01

    DFT calculations have been carried out for Cu4Bi5S10 and Bi2S3 to provide an analysis of the relation between electronic structure, lone electron pairs and the local geometry. The effect of pressure is considered in Bi2S3 and the results are compared to published experimental data. Bi3+ in Cu4Bi5...

  10. 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.

  11. Mutations in sodium channel {beta}-subunit SCN3B are associated with early-onset lone atrial fibrillation

    DEFF Research Database (Denmark)

    Olesen, Morten Salling; Jespersen, Thomas; Nielsen, Jonas Bille

    2011-01-01

    AIMS: Atrial fibrillation (AF) is the most frequent arrhythmia. Screening of SCN5A-the gene encoding the a-subunit of the cardiac sodium channel-has indicated that disturbances of the sodium current may play a central role in the mechanism of lone AF. We tested the hypothesis that lone AF in young...... across species. Electrophysiological studies on the SCN3B mutation were carried out and all three SCN3B mutations caused a functionally reduced sodium channel current. One synonymous variant was found in SCN4B. CONCLUSION: In 192 young lone AF patients, we found three patients with suspected disease...

  12. Characteristics of Lone-Wolf Violent Offenders: a Comparison of Assassins and School Attackers

    Directory of Open Access Journals (Sweden)

    Clark McCauley

    2013-03-01

    Full Text Available This article is based on the idea that lone-wolf terrorists may have characteristics in common with two other types of lone-actor violent offenders:  assassins and school attackers.  We used data from U.S. Government-sponsored reports to compare the characteristics of these two groups.  Despite obvious demographic differences, results indicate four characteristics common for both school attackers and assassins: perceived grievance, depression, a personal crisis (‘unfreezing’, and history of weapons use outside the military.  These characteristics may be useful in distinguishing lone-wolfs from group-based terrorists.

  13. Role of lone-pair electrons in producing minimum thermal conductivity in nitrogen-group chalcogenide compounds.

    Science.gov (United States)

    Skoug, Eric J; Morelli, Donald T

    2011-12-02

    Fully dense crystalline solids with extremely low lattice thermal conductivity (κ(L)) are of practical importance for applications including thermoelectric energy conversion and thermal barrier coatings. Here we show that lone-pair electrons can give rise to minimum κ(L) in chalcogenide compounds that contain a nominally trivalent group VA element. Electrostatic repulsion between the lone-pair electrons and neighboring chalcogen ions creates anharmonicity in the lattice, the strength of which is determined by the morphology of the lone-pair orbital and the coordination number of the group VA atom. © 2011 American Physical Society

  14. Lone mothers and their network support: Sociodemographic research of nonmarital parenthood in Serbia

    Directory of Open Access Journals (Sweden)

    Stanković Biljana

    2014-01-01

    Full Text Available The aim of this paper is to identify and describe the difficulties faced by families with nonmarital children (especially single-parent, available help and support, participation of the father in raising a child, and expected institutional help. That represents a first step toward better understanding of these families. The paper presents part of the results of research carried out in Belgrade with the aim of insight into the phenomenon of nonmarital childbearing at the individual level. It was conducted on a sample of 100 respondents, mothers of nonmarital children, who attend preschool. The survey was anonymous, carried out by the interview method. For this purpose a questionnaire with more than 50 questions was made, standardized to a great extent. In this paper, the focus is on the hardships and needs of the group of lone mothers. Though some issues take into account the answers of all respondents (21 cohabited mothers and 79 lone mothers, the analysis is largely related to the experiences and reflections of lone mothers. The 2011 Census data on prevalence of consensual unions and characteristics of persons living in them, as well as earlier data on the acknowledgment of paternity, do not indicate that nonmarital childbearing in Serbia takes place primarily in stable unions. It is realistic to assume that a large percentage of mothers with nonmarital children are lone mothers. The research results are generally consistent with the findings of relevant studies from our and foreign countries. As the largest difficulties, lone mothers emphasize financial problems, unemployment, housing difficulties, and child care, as well as a pronounced feeling of loneliness. Most of them in solving problems and rising children rely on their parents and siblings, with whom they often live in the same household. Every fifth lone mother when faced with a major problem, and every ninth in everyday raising a child can count on the father of the child. About a

  15. Evaluation of DEET and eight essential oils for repellency against nymphs of the lone star tick, Amblyomma americanum (Acari: Ixodidae)

    Science.gov (United States)

    Eight commercially available essential oils (oregano, clove, thyme, vetiver, sandalwood, cinnamon, cedarwood, and peppermint) were evaluated for repellency against host-seeking nymphs of the lone star tick, Amblyomma americanum. Concentration- repellency response was established using the vertical ...

  16. Work-injury absence and compensation among partnered and lone mothers and fathers.

    Science.gov (United States)

    Wong, Imelda S; Smith, Peter M; Mustard, Cameron A; Gignac, Monique A M

    2014-08-01

    The purpose of this study is to examine the risk of a work-injury absence and the likelihood of receiving compensation among partnered and lone mothers and fathers. This study utilized data from an annual survey of Canadian residents. Logistic regression models examined the association between family status and the receipt of workers' compensation, and absences due to work-related injury or illnesses of 7 or more days. Being a lone mother was significantly associated with the risk of work-injury absence. Gender differences were observed for workers' compensation: mothers were half as likely as fathers to receive workers' compensation benefits, which may be attributed to differences in work experiences between men and women. Findings may help in understanding whether some parental situations are more vulnerable than others and may contribute to identifying policies that could help workers sustain employment or return to work following an injury. © 2014 Wiley Periodicals, Inc.

  17. Encrypted Jihad: Investigating the Role of Telegram App in Lone Wolf Attacks in the West

    Directory of Open Access Journals (Sweden)

    Ahmad Shehabat

    2017-10-01

    Full Text Available The study aims to capture links between the use of encrypted communication channel -Telegram and lone wolf attacks occurred in Europe between 2015-2016. To understand threads of ISIS communication on Telegram we used digital ethnography approach which consists of the self-observation of information flows on four of ISIS’s most celebrated telegram Channels. We draw on public sphere theory and coined the term terror socio-sphere 3.0 as the theoretical background of this study. The collected data is presented as screenshots to capture a visual evidence of ISIS communication threads. This study shows that ISIS Telegram channels play critical role in personal communication between potential recruits and dissemination of propaganda that encourage ‘lone wolves’ to carry attacks in the world at large. This study was limited to the number of the channels that have been widely celebrated.

  18. The violent true believer as a "lone wolf" - psychoanalytic perspectives on terrorism.

    Science.gov (United States)

    Reid Meloy, J; Yakeley, Jessica

    2014-01-01

    The existing research on lone wolf terrorists and case experience are reviewed and interpreted through the lens of psychoanalytic theory. A number of characteristics of the lone wolf are enumerated: a personal grievance and moral outrage; the framing of an ideology; failure to affiliate with an extremist group; dependence on a virtual community found on the Internet; the thwarting of occupational goals; radicalization fueled by changes in thinking and emotion - including cognitive rigidity, clandestine excitement, contempt, and disgust - regardless of the particular ideology; the failure of sexual pair bonding and the sexualization of violence; the nexus of psychopathology and ideology; greater creativity and innovation than terrorist groups; and predatory violence sanctioned by moral (superego) authority. A concluding psychoanalytic formulation is offered. Copyright © 2014 John Wiley & Sons, Ltd.

  19. Measuring online learning systems success: applying the updated DeLone and McLean model.

    Science.gov (United States)

    Lin, Hsiu-Fen

    2007-12-01

    Based on a survey of 232 undergraduate students, this study used the updated DeLone and McLean information systems success model to examine the determinants for successful use of online learning systems (OLS). The results provided an expanded understanding of the factors that measure OLS success. The results also showed that system quality, information quality, and service quality had a significant effect on actual OLS use through user satisfaction and behavioral intention to use OLS.

  20. Validation of the DeLone and McLean Information Systems Success Model

    OpenAIRE

    Ojo, Adebowale I.

    2017-01-01

    Objectives This study is an adaptation of the widely used DeLone and McLean information system success model in the context of hospital information systems in a developing country. Methods A survey research design was adopted in the study. A structured questionnaire was used to collect data from 442 health information management personnel in five Nigerian teaching hospitals. A structural equation modeling technique was used to validate the model's constructs. Results It was revealed that syst...

  1. Learning from "Knocks in Life": Food Insecurity among Low-Income Lone Senior Women.

    Science.gov (United States)

    Green-Lapierre, Rebecca J; Williams, Patricia L; Glanville, N Theresa; Norris, Deborah; Hunter, Heather C; Watt, Cynthia G

    2012-01-01

    Building on earlier quantitative work where we showed that lone senior households reliant on public pensions in Nova Scotia (NS), Canada lacked the necessary funds for a basic nutritious diet, here we present findings from a qualitative study involving in-depth interviews with eight low-income lone senior women living in an urban area of NS. Using a phenomenological inquiry approach, in-depth interviews were used to explore lone senior women's experiences accessing food with limited financial resources. Drawing upon Bronfenbrenner's Ecological Systems Theory, we explored their perceived ability to access a nutritionally adequate and personally acceptable diet, and the barriers and enablers to do so; as well in light of our previous quantitative research, we explored their perceptions related to adequacy of income, essential expenses, and their strategies to manage personal finances. Seven key themes emerged: world view, income adequacy, transportation, health/health problems, community program use, availability of family and friends, and personal food management strategies. World view exerted the largest influence on seniors' personal perception of food security status. The implications of the findings and policy recommendations to reduce the nutritional health inequities among this vulnerable subset of the senior population are considered.

  2. Learning from “Knocks in Life”: Food Insecurity among Low-Income Lone Senior Women

    Science.gov (United States)

    Green-LaPierre, Rebecca J.; Williams, Patricia L.; Glanville, N. Theresa; Norris, Deborah; Hunter, Heather C.; Watt, Cynthia G.

    2012-01-01

    Building on earlier quantitative work where we showed that lone senior households reliant on public pensions in Nova Scotia (NS), Canada lacked the necessary funds for a basic nutritious diet, here we present findings from a qualitative study involving in-depth interviews with eight low-income lone senior women living in an urban area of NS. Using a phenomenological inquiry approach, in-depth interviews were used to explore lone senior women's experiences accessing food with limited financial resources. Drawing upon Bronfenbrenner's Ecological Systems Theory, we explored their perceived ability to access a nutritionally adequate and personally acceptable diet, and the barriers and enablers to do so; as well in light of our previous quantitative research, we explored their perceptions related to adequacy of income, essential expenses, and their strategies to manage personal finances. Seven key themes emerged: world view, income adequacy, transportation, health/health problems, community program use, availability of family and friends, and personal food management strategies. World view exerted the largest influence on seniors' personal perception of food security status. The implications of the findings and policy recommendations to reduce the nutritional health inequities among this vulnerable subset of the senior population are considered. PMID:22997580

  3. Biomarkers in lone atrial fibrillation - an additional 'fine tuning' of risk?

    Science.gov (United States)

    Ko, Darae; Magnani, Jared W; Hylek, Elaine M

    2015-01-01

    Lone atrial fibrillation (LAF) is generally regarded as a benign disorder that does not significantly increase the risk of thromboembolism and mortality. However, there is growing evidence that "lone" atrial fibrillation (AF) is a "heterogeneous" disorder with varying risk for thromboembolism based on the patient's underlying cardiovascular risk factors. Blood biomarkers, including markers of myocardial strain, inflammation, endothelial injury, platelet activation, and hypercoagulability, have potential to improve our risk stratification and management of LAF. Currently, there is a paucity of data on biomarkers in strictly defined LAF. The majority of studies that aimed to study lone atrial fibrillation excluded patients with structural heart disease, but did not exclude patients with co-existing cardiovascular risk factors such as hypertension or diabetes mellitus. Moreover, many of the studies did not exclude patients based on age, thereby increasing the likelihood of including patients with cardiovascular co-morbidities. There are currently a limited number of studies aimed to investigate the role of biomarkers in true LAF. The results are conflicting as to whether these biomarkers are associated with LAF or stroke risk. Future studies enrolling patients with true LAF using strict definition are needed. Herein, we review our current knowledge of biomarkers in association with atrial fibrillation and LAF and discuss their potential clinical utility.

  4. Grandparenting and adolescent adjustment in two-parent biological, lone-parent, and step-families.

    Science.gov (United States)

    Attar-Schwartz, Shalhevet; Tan, Jo-Pei; Buchanan, Ann; Flouri, Eirini; Griggs, Julia

    2009-02-01

    There is limited research on the links between grandparenting and adolescents' well-being, especially from the perspective of the adolescents. The study examined whether grandparent involvement varied in two-parent biological, lone-parent, and step-families and whether this had a different contribution to the emotional and behavioral adjustment of adolescents across different family structures. The study is based on a sample of 1,515 secondary school students (ages 11-16 years) from England and Wales who completed a structured questionnaire. Findings of hierarchical regression analyses showed that among the whole sample, greater grandparent involvement was associated with fewer emotional problems (p < .01) and with more prosocial behavior (p < .001). In addition, while there were no differences in the level of grandparent involvement across the different family structures, grandparent involvement was more strongly associated with reduced adjustment difficulties among adolescents from lone-parent and step-families than those from two-parent biological families. A possible implication is that the positive role of grandparent involvement in lone-parent and step- families should be more emphasized in family psychology. (PsycINFO Database Record (c) 2009 APA, all rights reserved).

  5. Learning from “Knocks in Life”: Food Insecurity among Low-Income Lone Senior Women

    Directory of Open Access Journals (Sweden)

    Rebecca J. Green-LaPierre

    2012-01-01

    Full Text Available Building on earlier quantitative work where we showed that lone senior households reliant on public pensions in Nova Scotia (NS, Canada lacked the necessary funds for a basic nutritious diet, here we present findings from a qualitative study involving in-depth interviews with eight low-income lone senior women living in an urban area of NS. Using a phenomenological inquiry approach, in-depth interviews were used to explore lone senior women’s experiences accessing food with limited financial resources. Drawing upon Bronfenbrenner’s Ecological Systems Theory, we explored their perceived ability to access a nutritionally adequate and personally acceptable diet, and the barriers and enablers to do so; as well in light of our previous quantitative research, we explored their perceptions related to adequacy of income, essential expenses, and their strategies to manage personal finances. Seven key themes emerged: world view, income adequacy, transportation, health/health problems, community program use, availability of family and friends, and personal food management strategies. World view exerted the largest influence on seniors’ personal perception of food security status. The implications of the findings and policy recommendations to reduce the nutritional health inequities among this vulnerable subset of the senior population are considered.

  6. 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

  7. 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…

  8. 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...

  9. 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

  10. 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 ...

  11. 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...

  12. 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

  13. 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

  14. 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

  15. 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.

  16. 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

  17. 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.

  18. 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.

  19. 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...

  20. 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...

  1. 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

  2. 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

  3. 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...

  4. Do low-income lone mothers compromise their nutrition to feed their children?

    Science.gov (United States)

    McIntyre, Lynn; Glanville, N Theresa; Raine, Kim D; Dayle, Jutta B; Anderson, Bonnie; Battaglia, Noreen

    2003-03-18

    Women who live in disadvantaged circumstances in Canada exhibit dietary intakes below recommended levels, but their children often do not. One reason for this difference may be that mothers modify their own food intake to spare their children nutritional deprivation. The objective of our study was to document whether or not low-income lone mothers compromise their own diets to feed their children. We studied 141 low-income lone mothers with at least 2 children under the age of 14 years who lived in Atlantic Canada. Women were identified through community organizations using a variety of recruitment strategies. The women were asked weekly for 1 month to recall their food intake over the previous 24 hours; they also reported their children's (n = 333) food intake. Mothers also completed a questionnaire about "food insecurity," that is, a lack of access to adequate, nutritious food through socially acceptable means, during each interview. Household food insecurity was reported by 78% of mothers during the study month. Mothers' dietary intakes and the adequacy of intake were consistently poorer than their children's intake overall and over the course of a month. The difference in adequacy of intake between mothers and children widened from Time 1, when the family had the most money to purchase food, to Time 4, when the family had the least money. The children experienced some improvement in nutritional intake at Time 3, which was possibly related to food purchases for them associated with receipt of the Child Tax Benefit Credit or the Goods and Services Tax Credit. Our study demonstrates that low-income lone mothers compromise their own nutritional intake in order to preserve the adequacy of their children's diets.

  5. A brief history of 'lone' atrial fibrillation: from 'a peculiar pulse irregularity' to a modern public health concern.

    Science.gov (United States)

    Potpara, Tatjana S; Lip, Gregory Y H

    2015-01-01

    Ever since the original description of a 'peculiar pulse irregularity', atrial fibrillation (AF) has been studied extensively and has come a long journey from the recognition of its cardiac origins, to the modern concept of AF as a serious public health challenge with profound social and economic implications. This arrhythmia affects around 2% of adult population, and the most common underlying heart diseases accompanying AF in the modern era are hypertension, heart failure and coronary artery disease, as well as valvular heart diseases and numerous other cardiac as well as non-cardiac disorders which have been shown to predispose to AF. On occasions, AF occurs in young otherwise apparently healthy individuals (so called 'lone AF'). For a long time, 'lone' AF has been believed to bear a favourable prognosis as compared to AF with underlying structural heart disease, but increasing evidence suggests that 'lone' AF patients represent a rather heterogeneous cohort, with highly variable individual risk profiles due to the presence of various subclinical cardiovascular risk factors or genetically determined subtle alterations at the cellular or molecular level. For these reasons, the existence of truly 'lone' AF has recently been questioned. In this review article, we present a brief history of the recognition of the public health burden of AF. We discuss some of the misconceptions and breakthroughs on modern knowledge on AF, including the rise (and fall) of the 'lone' AF concept.

  6. 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

  7. 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.

  8. 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.

  9. 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.

  10. 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...

  11. 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...

  12. Feeling lonely in the lab: A literature review and partial examination of recent loneliness induction procedures for experiments

    Directory of Open Access Journals (Sweden)

    Pels Fabian

    2017-01-01

    Full Text Available Few laboratory experiments have been conducted in loneliness research in the past. Therefore, the purpose of this article is to review, partially investigate and discuss loneliness induction procedures in order to facilitate future laboratory experiments in loneliness research (e.g. to examine the link between loneliness and social cognition. Previous studies have found both unconscious (i.e. professional hypnosis and conscious (i.e. recalling and calling out lonely experiences procedures to be successful in inducing loneliness. Another conscious procedure (i.e. recalling and writing down lonely experiences that has been described in recent literature has not yet been examined. Therefore, the present study aimed to examine this procedure using a one-group before-after design. However, this procedure, in which the participants had to recall and write down two lonely situations, was not found to significantly induce loneliness. Of 16 participants, only three reported at least some higher feelings of loneliness following this procedure.

  13. Lonely Crater

    Science.gov (United States)

    2005-01-01

    24 December 2005 This Mars Global Surveyor (MGS) Mars Orbiter Camera (MOC) image shows a full-resolution (1.5 meters/5 feet per pixel) view of an old meteor impact crater, somewhat filled with sediment. This crater is located near a larger crater, Newcomb, in far northern Noachis Terra. Location near: 22.1oS, 1.1oW Image width: 1 km (0.6 mi) Illumination from: upper left Season: Southern Spring

  14. 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.

  15. 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.

  16. 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

  17. 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.

  18. What Have We Learned about Lone Wolves from Anders Behring Breivik?

    Directory of Open Access Journals (Sweden)

    Raffaello Pantucci

    2011-12-01

    Full Text Available Anders Behring Breivik’s massacre on July 22, 2011 showed the danger that a well-organized Lone Wolf could cause. The methodical and calculated way with which he prepared and justified his act awoke security services the world over as to the potential menace that this form of terrorism can pose. As they revise their strategies, this article casts a preliminary eye on the case using a particular Lone Wolf prism of analysis to try to see what lessons can be learned from the case. Drawing on Breivik’s own writing and public sources, the article analyses his biography, the ideology he used to justify his act, the degree to which he seems to have been connected to others, his effectiveness, what role the Internet played and his mental competence all to try to draw some early lessons from the case. In concluding it offers some possible lessons learned that might offer practitioners some ideas of how to counter this sort of a threat in the future.

  19. Validation of the DeLone and McLean Information Systems Success Model.

    Science.gov (United States)

    Ojo, Adebowale I

    2017-01-01

    This study is an adaptation of the widely used DeLone and McLean information system success model in the context of hospital information systems in a developing country. A survey research design was adopted in the study. A structured questionnaire was used to collect data from 442 health information management personnel in five Nigerian teaching hospitals. A structural equation modeling technique was used to validate the model's constructs. It was revealed that system quality significantly influenced use (β = 0.53, p Information quality significantly influenced use (β = 0.24, p 0.05), but it significantly influenced perceived net benefits (β = 0.21, p 0.05). The study validates the DeLone and McLean information system success model in the context of a hospital information system in a developing country. Importantly, system quality and use were found to be important measures of hospital information system success. It is, therefore, imperative that hospital information systems are designed in such ways that are easy to use, flexible, and functional to serve their purpose.

  20. Post-incarceration Recidivism of Lone versus Group Juvenile Homicide Offenders.

    Science.gov (United States)

    Khachatryan, Norair; Heide, Kathleen M; Rad, Jordyn; Hummel, Erich V

    2016-11-01

    Killings by juvenile homicide offenders (JHOs) who use accomplices have been increasing since the 1980s and currently represent approximately half of juvenile arrests for murder in the United States. Nevertheless, prior research has not compared JHOs who kill alone with JHOs who kill in groups. The present research followed up 30 years later on a sample of 59 male murderers and attempted murderers sentenced to adult prison. This study was designed to analyze whether lone and group JHOs differed on pre-incarceration, incarceration, and post-incarceration variables. Significant findings indicated that compared with lone offenders, group JHOs had a higher mean of pre-homicide arrests and were more likely to be Black, have a pre-homicide delinquent record, commit a crime-related homicide offense, and target a stranger. With respect to post-homicide variables, group JHOs were more likely to be released from prison and more likely to be rearrested. The two types of JHOs did not differ significantly in relation to the number of post-release violent offenses. Preliminary implications of the findings and avenues for future investigation are discussed. Copyright © 2016 John Wiley & Sons, Ltd. Copyright © 2016 John Wiley & Sons, Ltd.

  1. Screening of the Ito regulatory subunit Klf15 in patients with early-onset lone atrial fibrillation

    DEFF Research Database (Denmark)

    Nielsen, Morten Wagner; Olesen, Morten Salling; Refsgaard, Lena

    2013-01-01

    of KChIP2, a critical subunit required for generating the transient outward potassium current (Ito), and that deficiency or excess of Klf15 increased the susceptibility of arrhythmias. On this basis we hypothesized that mutations in Klf15 could be associated with AF. A total of 209 unrelated Caucasian...... lone AF patients were screened for mutations in Klf15 by direct sequencing. No mutations in the lone AF cohort were found. In one patient we found a synonymous variant (c.36C > T). In NHLBI GO Exome Sequencing Project (ESP) the variant was present in 31 of 4269 Caucasian individuals and in 3 of 2200...

  2. A Global Study on Lone Mothers: Exploring the Associations of Self-Assessed General Health with Motherhood Types and Gender Inequality in 32 Countries

    NARCIS (Netherlands)

    Witvliet, Margot I.; Arah, Onyebuchi A.; Stronks, Karien; Kunst, Anton E.

    2014-01-01

    Background: In a study of 32 mostly non-affluent countries, we aimed to i) compare lone mother's general health to the health of other women and ii) assess whether the association of health with gender inequality was stronger among lone mothers than among other women. Methods: World Health Survey

  3. Gain-of-function mutations in potassium channel subunit KCNE2 associated with early-onset lone atrial fibrillation

    DEFF Research Database (Denmark)

    Nielsen, Jonas Bille; Bentzen, Bo Hjorth; Olesen, Morten Salling

    2014-01-01

    Aims: Atrial fibrillation (AF) is the most common cardiac arrhythmia. Disturbances in cardiac potassium conductance are considered as one of the disease mechanisms in AF. We aimed to investigate if mutations in potassium-channel β-subunits KCNE2 and KCNE3 are associated with early-onset lone AF. ...

  4. Evaluation of four commercial natural products for repellency and toxicity against the lone star tick, Amblyomma americanum (Acari: Ixodidae)

    Science.gov (United States)

    Lone star ticks are aggressive ectoparasites of domestic and wild animals, as well as humans. These ticks can transmit many pathogens that cause disease including Erhlichia and tularemia. Common compounds used for personal protection and area sprays are N-diethyl-3-methyl benzamide (DEET) and permet...

  5. Common polymorphisms in KCNJ5 [corrected] are associated with early-onset lone atrial fibrillation in Caucasians

    DEFF Research Database (Denmark)

    Jabbari, Javad; Olesen, Morten S; Holst, Anders G

    2011-01-01

    The aim of this study was to screen lone atrial fibrillation (AF) patients for mutations in the genes KCNJ2, KCNJ3 and KCNJ5, all encoding potassium channels. Furthermore, we wanted to replicate the prior association of two single-nucleotide polymorphisms (SNPs) in KCNJ5, C171T (rs6590357) and G810...

  6. 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.

  7. Utility of the Lone Star Retractor System in Microsurgical Carotid Endarterectomy.

    Science.gov (United States)

    Toyota, Shingo; Kumagai, Tetsuya; Goto, Tetsu; Mori, Kanji; Taki, Takuyu

    2017-05-01

    The retractor system is an important device in carotid endarterectomy (CEA). We applied the Lone Star (LS) Retractor System, which is a self-retaining retractor originally designed for improved visualization in many other surgical fields, in microsurgical CEA. The LS disposal retractor (14.1 cm × 14.1 cm) and LS elastic stays (5-mm sharp hook) were used as a retractor system in 38 consecutive CEAs. Using the LS retractor system, a shallow operative field could be obtained by lifting up the connective tissue surrounding the deep structures hooked by the LS elastic stays. The LS elastic stays were quick and easy to handle in the microsurgical operative field. There were no complications using the LS retractor system. The application of the LS retractor system in microsurgical CEA is feasible. An additional merit is that it is single use. Copyright © 2017 Elsevier Inc. All rights reserved.

  8. Lonely Planet Travel Guides, Dark Tourism and the Baltic States: A Longitudinal Perspective

    Directory of Open Access Journals (Sweden)

    Brent McKenzie

    2014-10-01

    Full Text Available The focus of this research is to take a comparative, longitudinal study of the role of travel guides and the growth of niche tourism.  Specifically this study examines the concept of Dark Tourism, or as defined by Sharpley and Stone, “the act of travel to sites associated with death, suffering and the seemingly macabre” to better understand the growth of such tourism sites and attractions in the Baltic States of Estonia, Latvia, and Lithuania.  Drawing on this broad concept of Dark Tourism, the more narrowly focused perspective of ‘Soviet’ tourism in these former Soviet republics is examined.  The longitudinal nature of this research will aid in the understanding of the development of both tourism and marketing theory by way of historical research,and shed light on the growth of this tourism niche.  The popular Lonely Planet travel guides are used as the source material for this research.

  9. A Multi-Method Experiment to Investigate Geyser Dynamics: Lone Star Geyser, Yellowstone National Park

    Science.gov (United States)

    Hurwitz, S.; Vandemeulebrouck, J.; Johnston, M. J.; Sohn, R. A.; Karlstrom, L.; Rudolph, M. L.; Murphy, F.; McPhee, D. K.; Glen, J. M.; Soule, S. A.; Pontbriand, C.; Meertens, C. M.

    2011-12-01

    Geysers are intermittently discharging hot springs that are driven by steam and non-condensable gas. They provide unique opportunities to study multiphase eruption processes and the geophysical signals they induce. In September 2010 we carried out a four-day experiment at Lone Star Geyser in Yellowstone National Park. The geyser is located about 5 km SSE of Old Faithful Geyser and 75 m north of the Upper Firehole River. Lone Star is a cone geyser that was selected for the experiment because it is isolated from other geysers, its eruptions are vigorous and voluminous, and its eruption intervals are relatively constant and predictable, occurring approximately every 3 hours. We made measurements during 32 eruption cycles using a suite of instruments including a broadband seismometer, 2 microphones, 5 platform tiltmeters, 3 collimating InfraRed sensors, 2 gravimeters, 2 self-potential sensors, 2 Light Detection And Ranging (LiDAR) scanners, a Forward Looking InfraRed (FLIR) camera, high-speed video cameras, and stream gauging. We also integrated meteorological data from nearby weather stations. The large dataset acquired during the experiment allows for the detection of a myriad of processes in the subsurface and in the erupting column at many different frequencies. The analyzed data yield new insights on multiphase eruptive processes that have implications for understanding self-organized, intermittent processes in nature that result from phase separation and localized input of energy and mass. The geophysical signals recorded during the experiment allow comparison with signals recorded in more complex volcanic systems where gas-driven and magma-driven processes are often hard to distinguish.

  10. 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.

  11. 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...

  12. 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 ...

  13. 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...

  14. 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...

  15. 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...

  16. 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.

  17. 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.

  18. 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

  19. 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.

  20. 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.

  1. 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

  2. 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

  3. 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

  4. 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...

  5. 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

  6. 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 ...

  7. 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.

  8. 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...

  9. 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

  10. 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...

  11. 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...

  12. 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...

  13. 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…

  14. O panteão familiar e a adoção do vocabulário clássico-renascentista no panorama da escultura tumular portuguesa : o exemplo da capela dos Ataídes no antigo convento de Santo António da Castanheira

    OpenAIRE

    Andrade, Sara Morais Saraiva de, 1977-

    2015-01-01

    Tese de doutoramento em História, Universidade Lusíada de Lisboa, 2014 Exame público realizado em 20 de Abril de 2015 O objetivo principal da presente dissertação consiste na identificação, caraterização e análise do vocabulário ornamental clássico-renascentista ao romano patente nos panteões familiares renascentistas nacionais. Partindo de uma capela única no espaço funerário renascentista nacional – o panteão familiar dos Ataídes (da Castanheira), edificado entre 1532 e 1550 e analisa...

  15. 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...

  16. 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.

  17. Welfare-to-work interventions and their effects on the mental and physical health of lone parents and their children

    Science.gov (United States)

    Gibson, Marcia; Thomson, Hilary; Banas, Kasia; Lutje, Vittoria; McKee, Martin J; Martin, Susan P; Fenton, Candida; Bambra, Clare; Bond, Lyndal

    2018-01-01

    Background Lone parents in high-income countries have high rates of poverty (including in-work poverty) and poor health. Employment requirements for these parents are increasingly common. 'Welfare-to-work' (WtW) interventions involving financial sanctions and incentives, training, childcare subsidies and lifetime limits on benefit receipt have been used to support or mandate employment among lone parents. These and other interventions that affect employment and income may also affect people's health, and it is important to understand the available evidence on these effects in lone parents. Objectives To assess the effects of WtW interventions on mental and physical health in lone parents and their children living in high-income countries. The secondary objective is to assess the effects of welfare-to-work interventions on employment and income. Search methods We searched the Cochrane Central Register of Controlled Trials (CENTRAL), MEDLINE Ovid, Embase Ovid, PsycINFO EBSCO, ERIC EBSCO, SocINDEX EBSCO, CINAHL EBSCO, Econlit EBSCO, Web of Science ISI, Applied Social Sciences Index and Abstracts (ASSIA) via Proquest, International Bibliography of the Social Sciences (IBSS) via ProQuest, Social Services Abstracts via Proquest, Sociological Abstracts via Proquest, Campbell Library, NHS Economic Evaluation Database (NHS EED) (CRD York), Turning Research into Practice (TRIP), OpenGrey and Planex. We also searched bibliographies of included publications and relevant reviews, in addition to many relevant websites. We identified many included publications by handsearching. We performed the searches in 2011, 2013 and April 2016. Selection criteria Randomised controlled trials (RCTs) of mandatory or voluntary WtW interventions for lone parents in high-income countries, reporting impacts on parental mental health, parental physical health, child mental health or child physical health. Data collection and analysis One review author extracted data using a standardised extraction

  18. On the Nature of Bonding in Lone Pair ...pi-Electron Complexes: CCSD(T)/Complete Basis Set Limit Calculations

    Czech Academy of Sciences Publication Activity Database

    Ran, Jiong; Hobza, Pavel

    2009-01-01

    Roč. 5, č. 4 (2009), s. 1180-1185 ISSN 1549-9618 R&D Projects: GA MŠk LC512; GA AV ČR IAA400550510 Institutional research plan: CEZ:AV0Z40550506 Keywords : lone pair...pi-electron complexes * nature of bonding * CCSD(T)/ complete basis set limit calculations Subject RIV: CF - Physical ; Theoretical Chemistry Impact factor: 4.804, year: 2009

  19. Reconciliation of work and care among lone mothers of adults with intellectual disabilities: the role and limits of care capital.

    Science.gov (United States)

    Chou, Yueh-Ching; Kröger, Teppo

    2014-07-01

    In this study, the concept of social capital is applied to an exploration of Guanxi (social networking to create good relationships) among working lone mothers of adults with intellectual disabilities (ID) in Taiwan. Using in-depth interviews, this study explores the role of social capital, here referred to as 'care capital', in making it possible for working lone mothers to combine their roles as family carers and workers. Eleven divorced or widowed mothers combining their paid work with long-term care responsibilities were recruited from a survey or through NGOs and were interviewed at their home between October 2008 and July 2010. An interpretative phenomenological approach was adopted for data analysis. The findings revealed that the mothers' care capital was extremely limited and was lost, gained and lost again during their life-cycles of long-term care-giving. Guanxi, especially in relation to their employers, proved to be the sole source of care capital for these mothers, making reconciliation between work and care responsibilities possible. In the absence of formal or informal support, religion and the mother-child relationship seemed also to become a kind of care capital for these lone mothers, helping them to get by with their life-long care responsibilities. For formal social and healthcare services, not just in Taiwan but in every country, it is important to develop support for lone mothers of adults with ID who have long-term care responsibilities and low levels of care capital and thus face care poverty. © 2014 John Wiley & Sons Ltd.

  20. UF's Lone Cabbage Oyster Reef Restoration Project: a use case in implementing a data management plan (DMP)

    OpenAIRE

    Aufmuth, Joe

    2018-01-01

    Data management plans are created to satisfy funding agency proposal requirements related to the data life cycle. Once an award is made researchers must implement the plan they described. But how is this best accomplished? The presentation UF’s Lone Cabbage Oyster Reef Restoration Project: a use case in implementing a data management plan (DMP) describes how PI's for this grant funded research project are achieving its data management plan goals using an academic library's consulting team.

  1. Screening of the Ito regulatory subunit Klf15 in patients with early-onset lone atrial fibrillation

    Directory of Open Access Journals (Sweden)

    Morten Wagner Nielsen

    2013-05-01

    Full Text Available Several studies have associated mutations in genes encoding potassium channels and accessory subunits involved in cardiac repolarisation with susceptibility of atrial fibrillation (AF. Recently, the krüppel-like factor 15 (Klf15 was found to transcriptionally control rhythmic expression of KChIP2, a critical subunit required for generating the transient outward potassium current (Ito, and that deficiency or excess of Klf15 increased susceptibility of arrhythmias. On this basis we hypothesized that mutations in Klf15 could be associated with susceptibility of AF.A total of 209 unrelated Caucasian lone AF patients were screened for mutations in KLF15 by direct sequencing. No mutations in the lone AF cohort were found. In one patient we found a synonymous variant (c.36C>T. In NHLBI GO Exome Sequencing Project (ESP the variant was present in 31 of 4269 Caucasian individuals and in 3 of 2200 African Americans. In our cohort KLF15 were not associated with lone AF.

  2. SCN1Bb R214Q found in 3 patients: 1 with Brugada syndrome and 2 with lone atrial fibrillation

    DEFF Research Database (Denmark)

    Olesen, Morten S; Holst, Anders G; Haunsø, Stig

    2012-01-01

    BACKGROUND: SCN1Bb encodes the ß-subunit of the sodium channel. A mutation in SCN1Bb R214Q has recently been shown both to increase the Kv4.3 current and to decrease the sodium current. The variant was suggested to increase the susceptibility to Brugada syndrome (BrS). OBJECTIVE: To sequence...... a population of BrS and early-onset lone atrial fibrillation (AF) patients for the R214Q mutation in the SCN1Bb gene. METHODS: The coding sequence and splice junctions of SCN1Bb were bidirectionally sequenced by using Big Dye chemistry in 192 early-onset lone AF patients and 22 BrS patients. RESULTS: Three......) and has not previously been reported in conjunction to AF. CONCLUSION: Three patients of 192 young lone AF and 22 BrS patients carried the nonsynonymous R214Q mutations in SCN1Bb, thereby indicating that this variant increases the susceptibility to both BrS and AF....

  3. Eruptions at Lone Star geyser, Yellowstone National Park, USA: 2. Constraints on subsurface dynamics

    Science.gov (United States)

    Vandemeulebrouck, Jean; Sohn, Robert A.; Rudolph, Maxwell L.; Hurwitz, Shaul; Manga, Michael; Johnston, Malcolm J.S.; Soule, S. Adam; McPhee, Darcy K.; Glen, Jonathan M.G.; Karlstrom, Leif; Murphy, Fred

    2014-01-01

    We use seismic, tilt, lidar, thermal, and gravity data from 32 consecutive eruption cycles of Lone Star geyser in Yellowstone National Park to identify key subsurface processes throughout the geyser's eruption cycle. Previously, we described measurements and analyses associated with the geyser's erupting jet dynamics. Here we show that seismicity is dominated by hydrothermal tremor (~5–40 Hz) attributed to the nucleation and/or collapse of vapor bubbles. Water discharge during eruption preplay triggers high-amplitude tremor pulses from a back azimuth aligned with the geyser cone, but during the rest of the eruption cycle it is shifted to the east-northeast. Moreover, ~4 min period ground surface displacements recur every 26 ± 8 min and are uncorrelated with the eruption cycle. Based on these observations, we conclude that (1) the dynamical behavior of the geyser is controlled by the thermo-mechanical coupling between the geyser conduit and a laterally offset reservoir periodically filled with a highly compressible two-phase mixture, (2) liquid and steam slugs periodically ascend into the shallow crust near the geyser system inducing detectable deformation, (3) eruptions occur when the pressure decrease associated with overflow from geyser conduit during preplay triggers an unstable feedback between vapor generation (cavitation) and mass discharge, and (4) flow choking at a constriction in the conduit arrests the runaway process and increases the saturated vapor pressure in the reservoir by a factor of ~10 during eruptions.

  4. Characterization of the bacterial communities of life stages of free living lone star ticks (Amblyomma americanum).

    Science.gov (United States)

    Williams-Newkirk, Amanda Jo; Rowe, Lori A; Mixson-Hayden, Tonya R; Dasch, Gregory A

    2014-01-01

    The lone star tick (Amblyomma americanum) is an abundant and aggressive biter of humans, domestic animals, and wildlife in the southeastern-central USA and an important vector of several known and suspected zoonotic bacterial pathogens. However, the biological drivers of bacterial community variation in this tick are still poorly defined. Knowing the community context in which tick-borne bacterial pathogens exist and evolve is required to fully understand the ecology and immunobiology of the ticks and to design effective public health and veterinary interventions. We performed a metagenomic survey of the bacterial communities of questing A. americanum and tested 131 individuals (66 nymphs, 24 males, and 41 females) from five sites in three states. Pyrosequencing was performed with barcoded eubacterial primers targeting variable 16S rRNA gene regions 5-3. The bacterial communities were dominated by Rickettsia (likely R. amblyommii) and an obligate Coxiella symbiont, together accounting for 6.7-100% of sequences per tick. DNAs from Midichloria, Borrelia, Wolbachia, Ehrlichia, Pseudomonas, or unidentified Bacillales, Enterobacteriaceae, or Rhizobiales groups were also detected frequently. Wolbachia and Midichloria significantly co-occurred in Georgia (plife cycle and that some sex-specific attributes may be detectable in nymphs.

  5. 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.

  6. 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.

  7. 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.

  8. Natureza ou Deus: afinidades panteístas entre Goethe e o "brasileiro" Martius Nature or God: pantheistic affinities between Goethe and Martius, "the Brazilian"

    Directory of Open Access Journals (Sweden)

    Marcus V. Mazzari

    2010-01-01

    Full Text Available Na segunda parte do romance As afinidades eletivas, a jovem Ottilie registra em seu diário as seguintes palavras: "Digno de veneração é apenas o naturalista que sabe descrever e expor o mais estranho, o mais insólito, com sua cor local, com todo o seu entorno e sempre em seu elemento mais próprio. Como eu gostaria de ver-me um dia na presença de Humboldt, ouvindo suas narrações!". A passagem revela, ao lado da admiração de Goethe por Humboldt, o seu interesse pelas ciências naturais, o qual experimenta significativa intensificação em setembro de 1824, quando estabelece contato pessoal com o botânico Carl F. P. von Martius. Em seu jovem interlocutor Goethe logo reconhece as qualidades de naturalista que no romance são atribuídas a Humboldt. Passa então a acompanhar com máximo interesse as publicações em que Martius elabora as pesquisas, observações e experiências realizadas ao longo dos três anos e meio em que percorreu, junto com o zoólogo Spix, mais de dez mil quilômetros de território brasileiro. Nasce assim um intercâmbio científico e cultural dos mais fecundos, o qual se enraíza especialmente nas concepções panteístas de que partilhavam o velho poeta de Weimar e o jovem botânico. Além de enfocar alguns aspectos das viagens brasileiras de Martius, este ensaio tem por objetivo expor a sua recepção por Goethe e discutir ainda eventuais influxos sobre sua produção literária. A reelaboração, em 1825, de uma das canções que Goethe, 43 anos antes, havia redigido com o subtítulo Brasilianisch deve-se seguramente a esse intercâmbio. Pretende-se discutir também a hipótese de que determinados textos e concepções de Martius tenham deixado vestígios em passagens da segunda parte do Fausto.In the second part of the novel Elective Affinities, young Ottilie registered the following words in her diary: "The only inquirers into nature whom we care to respect, are such as know how to describe and to represent

  9. 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.

  10. 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.

  11. 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...

  12. 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.

  13. 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

  14. 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.

  15. 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.

  16. 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.

  17. 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.

  18. Characterization of the bacterial communities of life stages of free living lone star ticks (Amblyomma americanum.

    Directory of Open Access Journals (Sweden)

    Amanda Jo Williams-Newkirk

    Full Text Available The lone star tick (Amblyomma americanum is an abundant and aggressive biter of humans, domestic animals, and wildlife in the southeastern-central USA and an important vector of several known and suspected zoonotic bacterial pathogens. However, the biological drivers of bacterial community variation in this tick are still poorly defined. Knowing the community context in which tick-borne bacterial pathogens exist and evolve is required to fully understand the ecology and immunobiology of the ticks and to design effective public health and veterinary interventions. We performed a metagenomic survey of the bacterial communities of questing A. americanum and tested 131 individuals (66 nymphs, 24 males, and 41 females from five sites in three states. Pyrosequencing was performed with barcoded eubacterial primers targeting variable 16S rRNA gene regions 5-3. The bacterial communities were dominated by Rickettsia (likely R. amblyommii and an obligate Coxiella symbiont, together accounting for 6.7-100% of sequences per tick. DNAs from Midichloria, Borrelia, Wolbachia, Ehrlichia, Pseudomonas, or unidentified Bacillales, Enterobacteriaceae, or Rhizobiales groups were also detected frequently. Wolbachia and Midichloria significantly co-occurred in Georgia (p<0.00001, but not in other states. The significance of the Midichloria-Wolbachia co-occurrence is unknown. Among ticks collected in Georgia, nymphs differed from adults in both the composition (p = 0.002 and structure (p = 0.002 of their bacterial communities. Adults differed only in their community structure (p = 0.002 with males containing more Rickettsia and females containing more Coxiella. Comparisons among adult ticks collected in New York and North Carolina supported the findings from the Georgia collection despite differences in geography, collection date, and sample handling, implying that the differences detected are consistent attributes. The data also suggest that some members of

  19. A Coxiella-Like Endosymbiont Is a Potential Vitamin Source for the Lone Star Tick

    Science.gov (United States)

    Smith, Todd A; Driscoll, Timothy; Gillespie, Joseph J; Raghavan, Rahul

    2015-01-01

    Amblyomma americanum (Lone star tick) is an important disease vector in the United States. It transmits several human pathogens, including the agents of human monocytic ehrlichiosis, tularemia, and southern tick-associated rash illness. Blood-feeding insects (Class Insecta) depend on bacterial endosymbionts to provide vitamins and cofactors that are scarce in blood. It is unclear how this deficiency is compensated in ticks (Class Arachnida) that feed exclusively on mammalian blood. A bacterium related to Coxiella burnetii, the agent of human Q fever, has been observed previously within cells of A. americanum. Eliminating this bacterium (CLEAA, Coxiella-like endosymbiont of A. americanum) with antibiotics reduced tick fecundity, indicating that it is an essential endosymbiont. In an effort to determine its role within this symbiosis, we sequenced the CLEAA genome. While highly reduced (656,901 bp) compared with C. burnetii (1,995,281 bp), the CLEAA genome encodes most major vitamin and cofactor biosynthesis pathways, implicating CLEAA as a vitamin provisioning endosymbiont. In contrast, CLEAA lacks any recognizable virulence genes, indicating that it is not a pathogen despite its presence in tick salivary glands. As both C. burnetii and numerous “Coxiella-like bacteria” have been reported from several species of ticks, we determined the evolutionary relationship between the two bacteria. Phylogeny estimation revealed that CLEAA is a close relative of C. burnetii, but was not derived from it. Our results are important for strategies geared toward controlling A. americanum and the pathogens it vectors, and also contribute novel information regarding the metabolic interdependencies of ticks and their nutrient-provisioning endosymbionts. PMID:25618142

  20. Eruptions at Lone Star Geyser, Yellowstone National Park, USA, part 1: energetics and eruption dynamics

    Science.gov (United States)

    Karlstrom, Leif; Hurwitz, Shaul; Sohn, Robert; Vandemeulebrouck, Jean; Murphy, Fred; Rudolph, Maxwell L.; Johnston, Malcolm J.S.; Manga, Michael; McCleskey, R. Blaine

    2013-01-01

    Geysers provide a natural laboratory to study multiphase eruptive processes. We present results from a four–day experiment at Lone Star Geyser in Yellowstone National Park, USA. We simultaneously measured water discharge, acoustic emissions, infraredintensity, and visible and infrared video to quantify the energetics and dynamics of eruptions, occurring approximately every three hours. We define four phases in the eruption cycle: 1) a 28 ± 3 minute phase with liquid and steam fountaining, with maximum jet velocities of 16–28 m s− 1, steam mass fraction of less than ∼ 0.01. Intermittently choked flow and flow oscillations with periods increasing from 20 to 40 s are coincident with a decrease in jet velocity and an increase of steam fraction; 2) a 26 ± 8 minute post–eruption relaxation phase with no discharge from the vent, infrared (IR) and acoustic power oscillations gliding between 30 and 40 s; 3) a 59 ± 13 minute recharge period during which the geyser is quiescent and progressively refills, and 4) a 69 ± 14 minute pre–play period characterized by a series of 5–10 minute–long pulses of steam, small volumes of liquid water discharge and 50–70 s flow oscillations. The erupted waters ascend froma 160 − 170° C reservoir and the volume discharged during the entire eruptive cycle is 20.8 ± 4.1 m3. Assuming isentropic expansion, we calculate a heat output from the geyser of 1.4–1.5 MW, which is < 0.1% of the total heat output from Yellowstone Caldera.

  1. Does material disadvantage explain the increased risk of adverse health, educational, and behavioural outcomes among children in lone parent households in Britain? A cross sectional study.

    Science.gov (United States)

    Spencer, Nick

    2005-02-01

    To test the hypothesis that material disadvantage explains the increased risk among children and young people of adverse health, educational, and behavioural problems associated with living in lone parent households in Britain Secondary analysis of a cross sectional survey of a representative sample of British households with children and youthMain outcomes: Parent reported fair/poor health, longstanding illness and disability, statement of special educational needs, suspension and/or expulsion from school, and in trouble with the police. Data were available on 15 636 (8049 boys and 7587 girls) aged 0-18 years in 8541 households in the third sweep (2001) of the British government's families and children study Lone parenthood was associated with increased risk of health and educational problems, and antisocial behaviour among boys and girls in a logistic regression model adjusting for child's age alone. Adding age of main carer, number of dependent children, and child's rank in the household made little difference to the associations. Addition of housing tenure, household hardship index, and an interaction term for lone parenthood and hardship eliminated the relation with lone parenthood for all outcomes except parent reported health among girls. Similar results were obtained for households headed by lone parents for at least a year. An interaction effect of lone parenthood with hardship for parent reported health and statement of special educational needs was noted. Adverse effects of lone parenthood on health, education, and antisocial behaviour were apparently explained by material disadvantage in this cross sectional sample of British households with children and youth.

  2. 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.

  3. 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....

  4. Solar production of industrial process steam for the Lone Star Brewery. Final report

    Energy Technology Data Exchange (ETDEWEB)

    Deffenbaugh, D.M.; Watkins, P.V.; Hugg, S.B.; Kulesz, J.J.; Decker, H.E.; Powell, R.C.

    1979-06-29

    This report outlines the detailed design and system analysis of a solar industrial process steam system for the Lone Star Brewery. The industrial plant has an average natural gas usage of 12.7 MMcf per month. The majority of this energy goes to producing process steam of 125 psi and 353/sup 0/F at about 50,000 lb/h, with this load dropping to about 6000 lb/h on the weekends. The maximum steam production of the solar energy system is about 1700 lb/h. The climatic conditions at the industrial site give 50% of the possible amount of sunshine during the winter months and more than 70% during the summer months. The long-term yearly average daily total radiation on a horizontal surface is 1574 Btu/day-ft/sup 2/, the long-term yearly average daytime ambient temperature is 72/sup 0/F, and the percentage of clear day insolation received on the average day of the year is 62%. The solar steam system will consist of 9450 ft/sup 2/ of Solar Kinetics T-700 collectors arranged in fifteen 90-ft long rows through which 67.5 gpm of Therminol T-55 is pumped. This hot Therminol then transfers the heat collected to a Patterson-Kelley Series 380 unfired steam boiler. The solar-produced steam is then metered to the industrial process via a standard check valve. The thermal performance of this system is projected to produce about 3 million lbs of steam during an average weather year, which is approximately 3 billion Btu's. As with any prototype system, this steam system cannot be justified for purely economic reasons. It is estimated, however, that if the cost of the collectors can be reduced to a mass production level of $3 per lb then this type of system would be cost effective in about six years with the current government incentives and a fuel escalation rate of 10%. This period can be shortened by a combination of an increased investment tax credit and an accelerated depreciation.

  5. The Microbiome of Ehrlichia-Infected and Uninfected Lone Star Ticks (Amblyomma americanum.

    Directory of Open Access Journals (Sweden)

    R T Trout Fryxell

    Full Text Available The Lone Star tick, Amblyomma americanum, transmits several bacterial pathogens including species of Anaplasma and Ehrlichia. Amblyomma americanum also hosts a number of non-pathogenic bacterial endosymbionts. Recent studies of other arthropod and insect vectors have documented that commensal microflora can influence transmission of vector-borne pathogens; however, little is known about tick microbiomes and their possible influence on tick-borne diseases. Our objective was to compare bacterial communities associated with A. americanum, comparing Anaplasma/Ehrlichia -infected and uninfected ticks. Field-collected questing specimens (n = 50 were used in the analyses, of which 17 were identified as Anaplasma/Ehrlichia infected based on PCR amplification and sequencing of groEL genes. Bacterial communities from each specimen were characterized using Illumina sequencing of 16S rRNA gene amplicon libraries. There was a broad range in diversity between samples, with inverse Simpson's Diversity indices ranging from 1.28-89.5. There were no statistical differences in the overall microbial community structure between PCR diagnosed Anaplasma/Ehrlichia-positive and negative ticks, but there were differences based on collection method (P < 0.05, collection site (P < 0.05, and sex (P < 0.1 suggesting that environmental factors may structure A. americanum microbiomes. Interestingly, there was not always agreement between Illumina sequencing and PCR diagnostics: Ehrlichia was identified in 16S rRNA gene libraries from three PCR-negative specimens; conversely, Ehrlichia was not found in libraries of six PCR-positive ticks. Illumina sequencing also helped identify co-infections, for example, one specimen had both Ehrlichia and Anaplasma. Other taxa of interest in these specimens included Coxiella, Borrelia, and Rickettsia. Identification of bacterial community differences between specimens of a single tick species from a single geographical site indicates that

  6. La production d’une représentation touristique. Une objectivation des guides Lonely Planet sur le Groenland The production of a tourist representation. An objectification of the Lonely Planet guides on Greenland

    Directory of Open Access Journals (Sweden)

    Antoine Delmas

    2013-03-01

    Full Text Available Cette étude livre une analyse diachronique des différents guides Lonely planet publiés sur le Groenland entre 1991 et 2005. Dans ces ouvrages les auteurs manifestent leur volonté de créer un “entre soi” propre au lectorat principal, les backpackers. La création de cette identité collective se fait par la critique des autres touristes et dans la manière singulière de découvrir la “wilderness” et la culture, principales raisons du succès touristique de l’île. Toutefois, cette identité collective semble remise en question par la confrontation du contenu des guides avec des travaux antérieurs et avec la réalité du terrain.This article uses Lonely planet books published about Greenland between 1991 and 2005 to do a diachronic study. The central theme of these books is the will of their authors to highlight close-knit communities specific of main readership, backpackers. Criticize other tourists should be a way to create a collective identity and a singular way to discover wilderness and culture, the most important attractions of the island. Nevertheless this collective identity can be questioned in comparison to previous study and fieldwork.

  7. 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.

  8. 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

  9. 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.

  10. A global study on lone mothers: exploring the associations of self-assessed general health with motherhood types and gender inequality in 32 countries.

    Science.gov (United States)

    Witvliet, Margot I; Arah, Onyebuchi A; Stronks, Karien; Kunst, Anton E

    2014-01-01

    In a study of 32 mostly non-affluent countries, we aimed to i) compare lone mother's general health to the health of other women and ii) assess whether the association of health with gender inequality was stronger among lone mothers than among other women. World Health Survey data were analyzed on 57,182 women aged 18 to 50 in 32 countries. The main outcome was self-assessed general poor health. The Global Gender Gap Index (GGGI) was used to measure the magnitude of gender inequality within countries. Logistic multilevel regression was used to compare the health of different groups of women, and to study the possible influence of gender inequality. Compared with all other women, lone mothers had the highest odds of poor health odds ratio (OR, 1.15; 95% confidence interval [CI], 1.09-1.22), also at 35 years or older with an OR of 1.18 (95% CI, 1.10-1.27). Lone mothers in Ethiopia and Tunisia had the highest odds of reporting poor health (OR, 1.65 [95% CI, 1.21-2.26] and OR, 1.57 [95% CI, 0.92-2.68], respectively). The degree of gender inequality was weakly related to cross-national variations in health of women. These associations were about similar for all women. For example, the OR for the GGGI was 1.03 for all women except coupled mothers. As within North America, lone mothers in non-affluent countries tend to have higher rates of poor health. The degree of gender inequality is not related to the relative health of lone mothers, suggesting that other characteristics of nations might be more influential. Copyright © 2014 Jacobs Institute of Women's Health. Published by Elsevier Inc. All rights reserved.

  11. Who often feels lonely? A cross-sectional study about loneliness and its related factors among older home-dwelling people.

    Science.gov (United States)

    Tomstad, Solveig; Dale, Bjørg; Sundsli, Kari; Saevareid, Hans Inge; Söderhamn, Ulrika

    2017-12-01

    To investigate the prevalence of individuals who often feel lonely among a sample of Norwegian older home-dwelling people aged ≥65 years old, as well as to identify any possible factors explaining their loneliness. Loneliness is known to be common among older people. To identify those older adults who are lonely, and to acquire knowledge about the complexity of their loneliness, is important to provide them with adequate help and support. This study employed a cross-sectional design. A questionnaire was mailed to a randomised sample of 6,033 older home-dwelling persons aged ≥65 years. A total of 2,052 persons returned the questionnaire and were included in the study. The questionnaire consisted of questions asking whether the subjects often felt lonely or not, as well as health-related and background questions and instruments to measure the participants' sense of coherence, mental problems, nutritional screening and self-care ability. The data were analysed using univariate and multivariate statistical methods. A total of 11.6% of the participants reported often feeling lonely. Six factors emerged to be independently associated with often feeling lonely among the respondents: Living alone, not being satisfied with life, having mental problems, a weak sense of coherence, not having contact with neighbours and being at risk for undernutrition. The study shows that often feeling lonely among older home-dwelling persons is a health-related problem that includes social, psychological and physical aspects. Moreover, these persons have limited resources to overcome feelings of loneliness. Lasting loneliness among older home-dwelling persons requires an overall, person-centred and time-consuming approach by nurses. Nurses with advanced knowledge on geriatric nursing may be required to offer appropriate care and support. Healthcare leaders and politicians should offer possibilities for adequate assessment, support and help. © 2017 John Wiley & Sons Ltd.

  12. Is a lone right hemisphere enough? Neurolinguistic architecture in a case with a very early left hemispherectomy.

    Science.gov (United States)

    Danelli, Laura; Cossu, Giuseppe; Berlingeri, Manuela; Bottini, Gabriella; Sberna, Maurizio; Paulesu, Eraldo

    2013-01-01

    We studied the linguistic profile and neurolinguistic organization of a 14-year-old adolescent (EB) who underwent a left hemispherectomy at the age of 2.5 years. After initial aphasia, his language skills recovered within 2 years, with the exception of some word finding problems. Over the years, the neuropsychological assessments showed that EB's language was near-to-normal, with the exception of lexical competence, which lagged slightly behind for both auditory and written language. Moreover, EB's accuracy and speed in both reading and writing words and non-words were within the normal range, whereas difficulties emerged in reading loan words and in tasks with homophones. EB's functional magnetic resonance imaging (fMRI) patterns for several linguistic and metalinguistic tasks were similar to those observed in the dominant hemisphere of controls, suggesting that his language network conforms to a left-like linguistic neural blueprint. However, a stronger frontal recruitment suggests that linguistic tasks are more demanding for him. Finally, no specific reading activation was found in EB's occipitotemporal region, a finding consistent with the surface dyslexia-like behavioral pattern of the patient. While a lone right hemisphere may not be sufficient to guarantee full blown linguistic competences after early hemispherectomy, EB's behavioral and fMRI patterns suggest that his lone right hemisphere followed a left-like blueprint of the linguistic network.

  13. 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.

  14. Welfare-to-work interventions and their effects on the mental and physical health of lone parents and their children.

    Science.gov (United States)

    Gibson, Marcia; Thomson, Hilary; Banas, Kasia; Lutje, Vittoria; McKee, Martin J; Martin, Susan P; Fenton, Candida; Bambra, Clare; Bond, Lyndal

    2018-02-26

    Lone parents in high-income countries have high rates of poverty (including in-work poverty) and poor health. Employment requirements for these parents are increasingly common. 'Welfare-to-work' (WtW) interventions involving financial sanctions and incentives, training, childcare subsidies and lifetime limits on benefit receipt have been used to support or mandate employment among lone parents. These and other interventions that affect employment and income may also affect people's health, and it is important to understand the available evidence on these effects in lone parents. To assess the effects of WtW interventions on mental and physical health in lone parents and their children living in high-income countries. The secondary objective is to assess the effects of welfare-to-work interventions on employment and income. We searched the Cochrane Central Register of Controlled Trials (CENTRAL), MEDLINE Ovid, Embase Ovid, PsycINFO EBSCO, ERIC EBSCO, SocINDEX EBSCO, CINAHL EBSCO, Econlit EBSCO, Web of Science ISI, Applied Social Sciences Index and Abstracts (ASSIA) via Proquest, International Bibliography of the Social Sciences (IBSS) via ProQuest, Social Services Abstracts via Proquest, Sociological Abstracts via Proquest, Campbell Library, NHS Economic Evaluation Database (NHS EED) (CRD York), Turning Research into Practice (TRIP), OpenGrey and Planex. We also searched bibliographies of included publications and relevant reviews, in addition to many relevant websites. We identified many included publications by handsearching. We performed the searches in 2011, 2013 and April 2016. Randomised controlled trials (RCTs) of mandatory or voluntary WtW interventions for lone parents in high-income countries, reporting impacts on parental mental health, parental physical health, child mental health or child physical health. One review author extracted data using a standardised extraction form, and another checked them. Two authors independently assessed risk of bias and

  15. Effects of two commercial neem-based insecticides on lone star tick, Amblyomma americanum (L.) (Acari: Ixodidae): deterrence, mortality, and reproduction

    Science.gov (United States)

    The lone star tick, Amblyomma americanum (L.), is a widely distributed three-host obligate blood-feeding parasite in the United States and Mexico. It mostly attaches to white-tailed deer, Odocoilus virginianus (Zimmerman) and wild turkey, Meleagris gallopavo L., as well as a wide variety of other do...

  16. Genetic Loci on Chromosomes 4q25, 7p31, and 12p12 Are Associated With Onset of Lone Atrial Fibrillation Before the Age of 40 Years

    DEFF Research Database (Denmark)

    Olesen, Morten S; Holst, Anders G; Jabbari, Javad

    2012-01-01

    SNPs were genotyped using TaqMan assays (Applied Biosystems, Foster City, CA). RESULTS: Three SNPs were found to be significantly associated with early-onset lone AF: rs2200733 closest to PITX2 (odds ratio [OR], 1.62; 95% confidence interval [CI], 1.16-2.27; P = 0.004), rs3807989 near to CAV1 (OR 1...

  17. Botanical compound p-anisaldehyde repels larval lone star tick, Amblyomma americanum (L.) (Acari: Ixodidae), and halts reproduction by gravid adults

    Science.gov (United States)

    The lone star tick, Amblyomma americanum (L.), widely distributed across eastern, southeastern, and midwestern regions of the United States and south into Mexico, is an obligate blood feeder that attaches to three hosts during the larval, nymphal, and adult stages. White-tailed deer and wild turkey ...

  18. 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.

  19. 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.

  20. 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.

  1. 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.

  2. Gain-of-function mutations in potassium channel subunit KCNE2 associated with early-onset lone atrial fibrillation

    DEFF Research Database (Denmark)

    Nielsen, Jonas Bille; Bentzen, Bo Hjorth; Olesen, Morten Salling

    2014-01-01

    Aims: Atrial fibrillation (AF) is the most common cardiac arrhythmia. Disturbances in cardiac potassium conductance are considered as one of the disease mechanisms in AF. We aimed to investigate if mutations in potassium-channel β-subunits KCNE2 and KCNE3 are associated with early-onset lone AF...... alleles). Electrophysiological investigations were performed for both mutations in combination with candidate pore-forming α-subunits KV7.1, KV11.1, KV4.3 and KV1.5. A significant gain-of-function effect was observed upon coexpression with KV7.1 and KV7.1 + KCNE1. Confocal imaging found no differences...... delayed rectifier potassium current might be involved in the pathogenesis of AF....

  3. Loneliness and Suicidal Risk in Young Adults: Does Believing in a Changeable Future Help Minimize Suicidal Risk Among the Lonely?

    Science.gov (United States)

    Chang, Edward C; Wan, Liangqiu; Li, Pengzi; Guo, Yuncheng; He, Jiaying; Gu, Yu; Wang, Yingjie; Li, Xiaoqing; Zhang, Zhan; Sun, Yingrui; Batterbee, Casey N-H; Chang, Olivia D; Lucas, Abigael G; Hirsch, Jameson K

    2017-07-04

    This study examined loneliness and future orientation as predictors of suicidal risk, namely, depressive symptoms and suicide ideation, in a sample of 228 college students (54 males and 174 females). Results of regression analyses indicated that loneliness was a significant predictor of both indices of suicidal risk. The inclusion of future orientation was found to significantly augment the prediction model of both depressive symptoms and suicide ideation, even after accounting for loneliness. Noteworthy, beyond loneliness and future orientation, the Loneliness × Future Orientation interaction term was found to further augment both prediction models of suicidal risk. Consistent with the notion that future orientation is an important buffer of suicidal risk, among lonely students, those with high future orientation, compared to low future orientation, were found to report significantly lower levels of depressive symptoms and suicide ideation. Some implications of the present findings for studying both risk and protective factors associated with suicidal risk in young adults are discussed.

  4. 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.

  5. 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.

  6. Serum YKL-40 as a Marker of Left Atrial Fibrosis Assessed by Delayed Enhancement MRI in Lone Atrial Fibrillation.

    Science.gov (United States)

    Canpolat, Uğur; Aytemir, Kudret; Hazirolan, Tuncay; Özer, Necla; Oto, Ali

    2015-12-01

    Assessment of the left atrial (LA) fibrosis by using delayed-enhanced magnetic resonance imaging (DE-MRI) in atrial fibrillation (AF) patients is a pioneering noninvasive method. Serum YKL-40 is a novel marker for inflammation and known to play a role in ongoing tissue fibrosis. However, its role in LA fibrosis is unclear. We aimed to investigate the association of serum YKL-40 with the presence and extent of LA fibrosis. A total of 50 patients with lone paroxysmal AF (62% male; age: 47.2 ± 7.0 years) underwent cardiac DE-MRI according to study protocol. Cardiac DE-MRI at 1.5 Tesla scanner was used to quantify LA fibrosis. Serum YKL-40 levels and clinical and echocardiographic data were recorded in all participants. DE-MRI revealed any degree of LA fibrosis in 31 (62%) patients. Median serum YKL-40 was significantly higher (P = 0.008) and left venticular ejection fraction was lower (P = 0.047) in patients with LA fibrosis as compared to patients without LA fibrosis. Extent of LA fibrosis was significantly correlated with age, duration of AF history, serum C-reactive protein, and serum YKL-40 levels. Only log (YKL-40) level was found as independent predictor for the presence of LA fibrosis (odds ratio: 1.626, P = 0.022). Multivariate linear regression analysis pointed out that duration of AF history (β = 0.330, P = 0.003) and serum log (YKL-40) levels (β = 0.546, P 40 are associated with the presence and more extensive LA fibrosis in patients with lone AF. As a marker of inflammation, serum YKL-40 may also be used as an indicator for the degree of LA fibrosis. ©2015 Wiley Periodicals, Inc.

  7. 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.

  8. 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.

  9. "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.

  10. 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...

  11. 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

  12. 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...

  13. Welfare-to-work interventions and their effects on the mental and physical health of lone parents and their children.

    Science.gov (United States)

    Gibson, Marcia; Thomson, Hilary; Banas, Kasia; Lutje, Vittoria; McKee, Martin J; Martin, Susan P; Fenton, Candida; Bambra, Clare; Bond, Lyndal

    2017-08-20

    Lone parents in high-income countries have high rates of poverty (including in-work poverty) and poor health. Employment requirements for these parents are increasingly common. 'Welfare-to-work' (WtW) interventions involving financial sanctions and incentives, training, childcare subsidies and lifetime limits on benefit receipt have been used to support or mandate employment among lone parents. These and other interventions that affect employment and income may also affect people's health, and it is important to understand the available evidence on these effects in lone parents. To assess the effects of WtW interventions on mental and physical health in lone parents and their children living in high-income countries. The secondary objective is to assess the effects of welfare-to-work interventions on employment and income. We searched the Cochrane Central Register of Controlled Trials (CENTRAL), MEDLINE Ovid, Embase Ovid, PsycINFO EBSCO, ERIC EBSCO, SocINDEX EBSCO, CINAHL EBSCO, Econlit EBSCO, Web of Science ISI, Applied Social Sciences Index and Abstracts (ASSIA) via Proquest, International Bibliography of the Social Sciences (IBSS) via ProQuest, Social Services Abstracts via Proquest, Sociological Abstracts via Proquest, Campbell Library, NHS Economic Evaluation Database (NHS EED) (CRD York), Turning Research into Practice (TRIP), OpenGrey and Planex. We also searched bibliographies of included publications and relevant reviews, in addition to many relevant websites. We identified many included publications by handsearching. We performed the searches in 2011, 2013 and April 2016. Randomised controlled trials (RCTs) of mandatory or voluntary WtW interventions for lone parents in high-income countries, reporting impacts on parental mental health, parental physical health, child mental health or child physical health. One review author extracted data using a standardised extraction form, and another checked them. Two authors independently assessed risk of bias and

  14. Zwischen Khao San und Lonely Planet: Aspekte der postmodernen Backpacking-Identität in Südostasien [Between Khao San and Lonely Planet: Aspects of Postmodern Backpacking Identity in South-East Asia

    Directory of Open Access Journals (Sweden)

    Günter Spreitzhofer

    2008-01-01

    Full Text Available This paper is an attempt to highlight some aspects of postmodern backpacking, which has come to be more appreciated by South-East Asian governments as a development tool after the decrease of package tourist arrivals due to terrorism, diseases and natural disasters. Special focus has been put on backpacking performance, perception and transformation within the region, where the accumulation of youthful travellers has been obvious for more than three decades, when the first underground guidebook for independent travellers was published in the 1970s. Special attention has been given to the increasing commercialization (Lonely Planet and the booming urban infrastructure (Khao San of this “anti-tourist” travel style, which seems to attract a new comfort-, shopping- and fun-oriented backpacker clientele rather than the ideologically-minded anti-consumerism backpackers of the early 1980s. However, apart from regional development opportunities and disparities, backpacking offers a wide range of personal development chances for postmodern mobile professionals, who seem to be more interested in western lifestyle traveller enclaves and self-fulfillment than in exploring and understanding foreign cultures. ----- Im Mittelpunkt dieses Beitrages steht eine Diskussion von Aspekten des Rucksacktourismus („Backpacking“, den zahlreiche südostasiatische Staaten als Entwicklungsmotor entdeckt (und akzeptiert haben, nachdem die Zahl der Pauschaltouristen aufgrund von Terrorangst, Umweltkatastrophen und regionalen Seuchen drastisch gesunken ist. Besonderer Schwerpunkt wurde auf die regionale Manifestation und Perzeption von Backpacking an der Wiege des Rucksacktourismus gelegt, wo die erste einschlägige Reiseliteratur seit den 1970ern die anfangs anti-touristischen Reiseströme bündelte. Die zunehmende Kommerzialisierung der Backpacker-Infrastruktur in den Quellländern (Fallbeispiel: Lonely Planet, ein Reisebuchverlag und Zielländern (Fallbeispiel: Khao

  15. 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 ...

  16. 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.

  17. 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.

  18. Examining rare and low-frequency genetic variants previously associated with lone or familial forms of atrial fibrillation in an electronic medical record system

    DEFF Research Database (Denmark)

    Weeke, Peter; Denny, Joshua C; Basterache, Lisa

    2015-01-01

    of European or African ancestry with electronic medical records and exome chip data to compare the frequency of AF among carriers and noncarriers of these rare variants. METHODS AND RESULTS: The exome chip included 19 of 115 rare variants, in 9 genes, previously associated with lone or familial AF. Using......BACKGROUND: Studies in individuals or small kindreds have implicated rare variants in 25 different genes in lone and familial atrial fibrillation (AF) using linkage and segregation analysis, functional characterization, and rarity in public databases. Here, we used a cohort of 20 204 patients...... validated algorithms querying a combination of clinical notes, structured billing codes, ECG reports, and procedure codes, we identified 1056 AF cases (>18 years) and 19 148 non-AF controls (>50 years) with available genotype data on the Illumina HumanExome BeadChip v.1.0 in the Vanderbilt electronic...

  19. A functional polymorphism C-509T in TGFβ-1 promoter contributes to susceptibility and prognosis of lone atrial fibrillation in Chinese population.

    Directory of Open Access Journals (Sweden)

    Hailong Cao

    Full Text Available Transforming growth factor-β1 (TGF-β1 is an important mediator of atrial fibrosis and atrial fibrillation (AF. But the involved genetic mechanism is unknown. Herein, the TGF-β1 C-509 T polymorphism (rs1800469 was genotyped in a case-control study of 840 patients and 845 controls in Chinese population to explore the association between the polymorphism and susceptibility and prognosis of lone AF. As a result, the CT and/or TT genotypes had an increased lone AF risk [adjusted odds ratio (OR = 1.50 for CT, OR = 3.72 for TT, and OR = 2.15 for CT/TT], compared with the TGF-β1CC genotype. Moreover, patients carrying CT/TT genotypes showed a higher possibility of AF recurrence after catheter ablation, compared with patients carrying CC genotype. In a genotype-phenotype correlation analysis using 24 normal left atrial appendage samples, increasing gradients of atrial TGF-β1 expression levels positively correlated with atrial collagen volume fraction were identified in samples with CC, CT and TT genotypes. The in vitro luciferase assays also showed a higher luciferase activity of the -509 T allele than that of the -509 C allele. In conclusion, the TGF-β1 C-509 T polymorphism is involved in the etiology of lone AF and thus may be a marker for genetic susceptibility to lone AF and predicting prognosis after catheter ablation in Chinese populations. Therefore, we provide new information about treatment strategies and our understanding of TGF-β1 in AF.

  20. Does material disadvantage explain the increased risk of adverse health, educational, and behavioural outcomes among children in lone parent households in Britain? A cross sectional study

    OpenAIRE

    Spencer, N.

    2005-01-01

    Objective: To test the hypothesis that material disadvantage explains the increased risk among children and young people of adverse health, educational, and behavioural problems associated with living in lone parent households in Britain\\ud \\ud Study design: Secondary analysis of a cross sectional survey of a representative sample of British households with children and youth\\ud \\ud Main outcomes: Parent reported fair/poor health, longstanding illness and disability, statement of special educ...

  1. An Evaluation of the Adjusted DeLone and McLean Model of Information Systems Success; the case of financial information system in Ferdowsi University of Mashhad

    OpenAIRE

    Mohammad Lagzian; Shamsoddin Nazemi; Fatemeh Dadmand

    2012-01-01

    Assessing the success of information systems within organizations has been identified as one of the most critical subjects of information system management in both public and private organizations. It is therefore important to measure the success of information systems from the user's perspective. The purpose of the current study was to evaluate the degree of information system success by the adjusted DeLone and McLean’s model in the field financial information system (FIS) in an Iranian Univ...

  2. Modeling the present and future geographic distribution of the Lone star tick, Amblyomma americanum (Ixodida: Ixodidae), in the continental United States

    Science.gov (United States)

    Springer, Yuri P.; Jarnevich, Catherine S.; Barnett, David T.; Monaghan, Andrew J.; Eisen, Rebecca J.

    2015-01-01

    The Lone star tick (Amblyomma americanum L.) is the primary vector for pathogens of significant public health importance in North America, yet relatively little is known about its current and potential future distribution. Building on a published summary of tick collection records, we used an ensemble modeling approach to predict the present-day and future distribution of climatically suitable habitat for establishment of the Lone star tick within the continental United States. Of the nine climatic predictor variables included in our five present-day models, average vapor pressure in July was by far the most important determinant of suitable habitat. The present-day ensemble model predicted an essentially contiguous distribution of suitable habitat extending to the Atlantic coast east of the 100th western meridian and south of the 40th northern parallel, but excluding a high elevation region associated with the Appalachian Mountains. Future ensemble predictions for 2061–2080 forecasted a stable western range limit, northward expansion of suitable habitat into the Upper Midwest and western Pennsylvania, and range contraction along portions of the Gulf coast and the lower Mississippi river valley. These findings are informative for raising awareness of A. americanum-transmitted pathogens in areas where the Lone Star tick has recently or may become established.

  3. Examining the functionality of the DeLone and McLean information system success model as a framework for synthesis in nursing information and communication technology research.

    Science.gov (United States)

    Booth, Richard G

    2012-06-01

    In this review, studies examining information and communication technology used by nurses in clinical practice were examined. Overall, a total of 39 studies were assessed spanning a time period from 1995 to 2008. The impacts of the various health information and communication technology evaluated by individual studies were synthesized using the DeLone and McLean's six-dimensional framework for evaluating information systems success (ie, System Quality, Information Quality, Service Quality, Use, User Satisfaction, and Net Benefits). Overall, the majority of researchers reported results related to the overall Net Benefits (positive, negative, and indifferent) of the health information and communication technology used by nurses. Attitudes and user satisfaction with technology were also commonly measured attributes. The current iteration of DeLone and McLean model is effective at synthesizing basic elements of health information and communication technology use by nurses. Regardless, the current model lacks the sociotechnical sensitivity to capture deeper nurse-technology relationalities. Limitations and recommendations are provided for researchers considering using the DeLone and McLean model for evaluating health information and communication technology used by nurses.

  4. Occurrence and stability of lone pair–π stacking interactions between ribose and nucleobases in functional RNAs

    KAUST Repository

    Chawla, Mohit

    2017-08-18

    The specific folding pattern and function of RNA molecules lies in various weak interactions, in addition to the strong base-base pairing and stacking. One of these relatively weak interactions, characterized by the stacking of the O4′ atom of a ribose on top of the heterocycle ring of a nucleobase, has been known to occur but has largely been ignored in the description of RNA structures. We identified 2015 ribose–base stacking interactions in a high-resolution set of non-redundant RNA crystal structures. They are widespread in structured RNA molecules and are located in structural motifs other than regular stems. Over 50% of them involve an adenine, as we found ribose-adenine contacts to be recurring elements in A-minor motifs. Fewer than 50% of the interactions involve a ribose and a base of neighboring residues, while approximately 30% of them involve a ribose and a nucleobase at least four residues apart. Some of them establish inter-domain or inter-molecular contacts and often implicate functionally relevant nucleotides. In vacuo ribose-nucleobase stacking interaction energies were calculated by quantum mechanics methods. Finally, we found that lone pair–π stacking interactions also occur between ribose and aromatic amino acids in RNA–protein complexes.

  5. Bournonite PbCuSbS3 : Stereochemically Active Lone-Pair Electrons that Induce Low Thermal Conductivity.

    Science.gov (United States)

    Dong, Yongkwan; Khabibullin, Artem R; Wei, Kaya; Salvador, James R; Nolas, George S; Woods, Lilia M

    2015-10-26

    An understanding of the structural features and bonding of a particular material, and the properties these features impart on its physical characteristics, is essential in the search for new systems that are of technological interest. For several relevant applications, the design or discovery of low thermal conductivity materials is of great importance. We report on the synthesis, crystal structure, thermal conductivity, and electronic-structure calculations of one such material, PbCuSbS3 . Our analysis is presented in terms of a comparative study with Sb2 S3 , from which PbCuSbS3 can be derived through cation substitution. The measured low thermal conductivity of PbCuSbS3 is explained by the distortive environment of the Pb and Sb atoms from the stereochemically active lone-pair s(2) electrons and their pronounced repulsive interaction. Our investigation suggests a general approach for the design of materials for phase-change-memory, thermal-barrier, thermal-rectification and thermoelectric applications, as well as other functions for which low thermal conductivity is purposefully sought. © 2015 WILEY-VCH Verlag GmbH & Co. KGaA, Weinheim.

  6. Reactions of coordinated hydroxymethylphosphines with NH-functional amines: the phosphorus lone pair is crucial for the phosphorus Mannich reaction.

    Science.gov (United States)

    Swor, Charles D; Hanson, Kyle R; Zakharov, Lev N; Tyler, David R

    2011-09-14

    Non-coordinated hydroxymethylphosphines react readily with primary and secondary amines by the phosphorus Mannich reaction. To determine if this reactivity can be used to synthesize phosphine macrocycles, trans-Fe(DHMPE)(2)Cl(2) (DHMPE = 1,2-bis(dihydroxymethylphosphino)ethane) was prepared and reacted with various amines. However, no phosphorus Mannich reactivity was observed. In order to understand why no reactions occurred, the Mannich reactivity of the borane-coordinated hydroxymethylphosphines DHMPE·2BH(3) and Ph(2)PCH(2)OH·BH(3) was investigated. These borane-coordinated phosphines also did not undergo the phosphorus Mannich reaction. These results suggest that the lone pair of electrons on the phosphorus atom is essential for the phosphorus Mannich reaction to occur, and therefore it is not possible to use this reaction in a templated synthesis of phosphine macrocycles. It is speculated that the mechanism of the phosphorus Mannich reaction may involve a methylenephosphonium intermediate, analogous to an iminium in the standard Mannich reaction. X-ray crystal structures of trans-Fe(DHMPE)(2)Cl(2) and DHMPE·2BH(3) are also presented. Both crystal structures display an extended hydrogen-bonding network in the solid state. This journal is © The Royal Society of Chemistry 2011

  7. 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.

  8. Professionaalne marketing - edu pant / Thomas Westerberg

    Index Scriptorium Estoniae

    Westerberg, Thomas

    1999-01-01

    Majanduslanguse perioodil tuleb fokusseerida oma plaanid tulevikku, sel perioodil avalduvad turundusjuhtide tõelised ja varjatud professionaalsed oskused. Thomas Westerbergi, Coca-Cola Baltic Beverages Ltd. tegevdirektori ettekanne Majanduskonverentsil "Kuidas olla edukas majanduslanguse perioodil"

  9. 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.

  10. 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

  11. 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.

  12. 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...

  13. 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...

  14. 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.

  15. Feeling lonely in an unfamiliar place: older people's experiences of life close to death in a nursing home.

    Science.gov (United States)

    Österlind, Jane; Ternestedt, Britt-Marie; Hansebo, Görel; Hellström, Ingrid

    2017-03-01

    The aim of the study was to deepen the understanding of how older persons living in a nursing home experience life close to death. A move to and a life in a nursing home while being close to death is a reality for many older people in Sweden. Being able to express thoughts and feelings about death has been described as both crucial for sustaining personhood as well as for establishing a meaningful existence at the end of life. Important are the experiences of older people living in nursing homes who are approaching death. Six older people were interviewed on one to four occasions. A total of 16 interviews were conducted with the participants. An interpretative approach was chosen. The main interpretation, Feeling lonely in an unfamiliar place, is based on three themes (i) Waiting for death, with the subthemes death as a release and thinking of oneself as dead; (ii) Subordinate oneself to values and norms of the staff, with the subthemes feeling offended and feeling trapped; and (iii) Keep the courage up. The older people's lives were characterised by feelings of aloneness in an unfamiliar place which contributed to a sense of existential loneliness. They experienced few opportunities to discuss their thoughts of life and death, including preparations for passing away. It is of importance for professionals to be able to meet older people as they are and respect them as human beings in their transitions, before, during and after the move to a nursing home. It is important to find ways to support older people's wellbeing and identity near death. © 2016 John Wiley & Sons Ltd.

  16. Polymorphisms but Not Mutations of the KCNQ1 Gene Are Associated with Lone Atrial Fibrillation in the Chinese Han Population

    Directory of Open Access Journals (Sweden)

    Hui-min Chu

    2013-01-01

    Full Text Available Background. Recent studies suggest that mutation of the slow delayed rectifier potassium channel (IKs contributes to familial atrial fibrillation (FAF. In the current study, we identified common genetic variants of KCNQ1 and explored the potential association between KCNQ1 polymorphism with lone AF (LAF. Methods. Clinical data and blood samples were collected from 190 Han Chinese patients with sporadic AF and matched healthy controls. Variants of the KCNQ1 gene were identified using single-strand conformational polymorphism (SSCP analysis. A case-control association study in KCNQ1 identified six known single-nucleotide polymorphisms (SNPs during SSCP screening of the 190 LAF patients and 190 healthy controls. Results. One of the SNPs in KCNQ1 was strongly associated with LAF; significant allelic association was detected rs59233444 (P=0.013, OR=1.469, 95% confidence interval (CI: 1.083–1.993. A multiple regression analysis indicated that rs59233444 is an independent risk factor for LAF. Twelve new variants were identified in KCNQ1, including one in the 5′-UTR, two in the 3′-UTR, six in introns, two synonymous substitutions, and one missense substitution. Variants c.1009C>T, c.1860C>T, and c.+2285C>T were not present in the 190 controls, and the others were identified in controls at various frequencies. Conclusions. rs59233444, a common SNP but not mutation in the coding regions of the KCNQ1 gene, is a risk factor for LAF in Chinese Han population.

  17. Dual effects of lone-pair electrons and rattling atoms in CuBiS2 on its ultralow thermal conductivity

    Science.gov (United States)

    Feng, Zhenzhen; Jia, Tiantian; Zhang, Jihua; Wang, Yuanxu; Zhang, Yongsheng

    2017-12-01

    Understanding the structural and physical origins of low thermal conductivity behavior is essential for improving and searching for high-efficiency thermoelectric materials. Natural minerals are cheap and usually have low thermal conductivities. The lattice thermal conductivities of two isostructural natural materials, chalcostibite CuSbS2 and emplectite CuBiS2, are substantially low in experimental measurements. In particular, the lattice thermal conductivity of CuBiS2 is much lower than that of CuSbS2. Using first-principles Debye-Callaway calculations, we found that the lattice thermal conductivities of CuSbS2 and CuBiS2 are 1.44 W/mK and 0.46 W/mK at 300 K, respectively, which are in good agreement with the experimental measurements. From the calculated vibrational properties, we demonstrate that the stereochemically active lone-pair electrons at the Sb sites are major contributors to the low thermal conductivity of CuSbS2. However, for CuBiS2, the dual effects of the lone-pair electrons at the Bi sites and the rattling of the Cu ions are the primary reasons for the ultralow thermal conductivity. Because of the ultralow thermal conductivity in CuBiS2, our predicted highest Z T value in the material could reach 0.91 for n -type doping at 700 K and 0.77 for p -type doping at 780 K, which implies that CuBiS2 can be utilized as a potential low-cost thermoelectric material for both n and p type. The present work emphasizes the importance of lone-pair electrons and rattling modes in impelling the phonon anharmonicity, providing a useful guide to seek and design new thermoelectric materials with ultralow thermal conductivity and high efficiency.

  18. 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

  19. A lonely life--A qualitative study of immigrant women on long-term sick leave in Norway.

    Science.gov (United States)

    Nortvedt, Line; Lohne, Vibeke; Kumar, Bernadette Nirmal; Hansen, Helle Ploug

    2016-02-01

    humiliating and lonely. The immigrant women on long-term sick leave live in triple jeopardy: being ill and being lonesome both at home and at the workplace. This can be described as a vicious circle where the humiliating domestic and workplace-rejection might reinforce both the women's experience of shame and avoidance of telling anybody about their illness/symptoms, which then results in more days on sick leave during which they are again isolated and lonesome. There is a need for more research on multidisciplinary rehabilitation approaches designed to cater for immigrants' special needs. Copyright © 2015 Elsevier Ltd. All rights reserved.

  20. Direct Measurement of the Volume of Liquid Water Emitted During Eruptions of Lone Star Geyser, Yellowstone National Park, Wyoming

    Science.gov (United States)

    Murphy, F.; Hurwitz, S.; Johnston, M. J.; Vandemeulebrouck, J.; Pontbriand, C.; Sohn, R. A.; Karlstrom, L.; Rudolph, M. L.

    2011-12-01

    In September, 2010 a comprehensive series of instrumental observations was carried out at Lone Star Geyser in Yellowstone National Park to measure changes in the geyser and its surroundings during eruptions. That project included measurements of flow in the streams that drain the geyser area. Three small streams convey liquid water from the geyser and many of the surrounding hot springs to the Firehole River, about 75 m south of the geyser cone. We developed rating curves for two of these streams by measuring channel cross-sections and timing floating markers (using stopwatches and video recordings) while simultaneously recording stream depth at two-second intervals at two locations using pressure transducers and dataloggers. We estimated the flow in the third (ungaged) stream to be 0.15 of the flow in the easternmost stream, with which it shares a source area and part of its channel. The eruption cycle takes about 3 hours, and a total of nine eruption cycles were observed. During these 3-hour cycles the geyser and the nearby hot springs deliver a total of between 15 and 28 m3 of water to the Firehole River. During the 10-20 minutes of the main phase of an eruption, the geyser delivered between 8 and 11 m3 of water to the three streams. The volume of water emitted during eruptions appears to display a significant diurnal variation which strongly correlates with air temperature, with significantly more flow during early afternoon hours. There were also significant variations in the distribution of flow between the different channels. Our calculations suggest that losses due to evaporation along the flow channels are negligible, and losses due to infiltration appear to be small. The calculated volumes of water discharge do not account for the volume of erupted steam or evaporation of liquid water from the jet. Steam discharge will be assessed using image analysis of high speed video. The calculated volumes provide accurate and important constraint for models of

  1. Lone ventricular cardiomyopathy,

    African Journals Online (AJOL)

    idiopathic structural and/or functional myocardial disorders (as defined) and to describe the characteristic features. ... disease, with a further definition of abnonnaJities based on appropriately selected standard left and right heart ... systemic hypertension was also excluded. Main outcome measures. Total number of patients,.

  2. The lonely female partner

    DEFF Research Database (Denmark)

    Bruun, Poul; Pedersen, Birthe D; Osther, Palle J

    2011-01-01

    The aim of this qualitative study was to investigate the experiences of female partners to men with prostate cancer. The women found the capacity to manage their lives through mutual love in the family and through their faith.......The aim of this qualitative study was to investigate the experiences of female partners to men with prostate cancer. The women found the capacity to manage their lives through mutual love in the family and through their faith....

  3. 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

  4. The within-day relation between lonely episodes and subsequent clinical pain in individuals with fibromyalgia: Mediating role of pain cognitions.

    Science.gov (United States)

    Wolf, Laurie D; Davis, Mary C; Yeung, Ellen W; Tennen, Howard A

    2015-09-01

    This daily diary study of individuals with fibromyalgia (FM) examined whether morning increases in loneliness relate to worsened evening bodily pain through afternoon negative pain cognitions. 220 participants with FM completed electronic diaries 4 times a day for 21days to assess loneliness, negative pain cognitions, bodily pain, and social enjoyment. Multilevel structural equation modeling was used to examine within-person relations of morning increases in loneliness, afternoon negative pain cognitions, and evening pain, controlling for morning pain. On mornings when individuals experienced higher than their usual levels of loneliness, they experienced higher levels of afternoon maladaptive pain cognitions, which in turn predicted increases in evening pain above the level of morning pain. Afternoon maladaptive pain cognitions fully mediated the relations between morning loneliness and evening pain. Lonely episodes are associated with subsequent increases in negative patterns of thinking about pain, which in turn predict subsequent increases in bodily pain within a day. Because pain cognitions mediate the loneliness-pain link, FM interventions may benefit from addressing individuals' vulnerability to maladaptive cognitions following lonely episodes. Copyright © 2015 Elsevier Inc. All rights reserved.

  5. An Evaluation of the Adjusted DeLone and McLean Model of Information Systems Success; the case of financial information system in Ferdowsi University of Mashhad

    Directory of Open Access Journals (Sweden)

    Mohammad Lagzian

    2012-07-01

    Full Text Available Assessing the success of information systems within organizations has been identified as one of the most critical subjects of information system management in both public and private organizations. It is therefore important to measure the success of information systems from the user's perspective. The purpose of the current study was to evaluate the degree of information system success by the adjusted DeLone and McLean’s model in the field financial information system (FIS in an Iranian University. The relationships among the dimensions in an extended systems success measurement framework were tested. Data were collected by questionnaire from end-users of a financial information system at Ferdowsi University of Mashhad. The adjusted DeLone and McLean model was contained five variables (system quality, information quality, system use, user satisfaction, and individual impact. The results revealed that system quality was significant predictor of system use, user satisfaction and individual impact. Information quality was also a significant predictor of user satisfaction and individual impact, but not of system use. System use and user satisfaction were positively related to individual impact. The influence of user satisfaction on system use was insignificant

  6. Impact of Caregiving for a Child With Cancer on Parental Health Behaviors, Relationship Quality, and Spiritual Faith: Do Lone Parents Fare Worse?

    Science.gov (United States)

    Wiener, Lori; Viola, Adrienne; Kearney, Julia; Mullins, Larry L; Sherman-Bien, Sandra; Zadeh, Sima; Farkas-Patenaude, Andrea; Pao, Maryland

    2016-09-01

    Caregiving stress has been associated with changes in the psychological and physical health of parents of children with cancer, including both partnered and single parents. While parents who indicate "single" on a demographic checklist are typically designated as single parents, a parent can be legally single and still have considerable support caring for an ill child. Correspondingly, an individual can be married/partnered and feel alone when caring for a child with serious illness. In the current study, we report the results from our exploratory analyses of parent self-reports of behavior changes during their child's treatment. Parents (N = 263) of children diagnosed with cancer were enrolled at 10 cancer centers. Parents reported significant worsening of all their own health behaviors surveyed, including poorer diet and nutrition, decreased physical activity, and less time spent engaged in enjoyable activities 6 to 18 months following their child's diagnosis. More partnered parents found support from friends increased or stayed the same since their child's diagnosis, whereas a higher proportion of lone parents reported relationships with friends getting worse. More lone parents reported that the quality of their relationship with the ill child's siblings had gotten worse since their child's diagnosis. Spiritual faith increased for all parents. © 2015 by Association of Pediatric Hematology/Oncology Nurses.

  7. 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

  8. 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.

  9. A bridge between a lonely soul and the surrounding world: A study on existential consequences of being closely related to a person with aphasia

    Science.gov (United States)

    Nyström, Maria

    2011-01-01

    This study illuminates existential consequences of being closely related to a person suffering from aphasia. Seventeen close relatives were interviewed and their narratives were interpreted with inspiration from Ricoeur, Levinas, Husserl, Winnicot, and Maurice Merleau-Ponty. The emerging interpretations resulted in four themes that illuminate a life characterized by lost freedom, staying, a new form of relationship, and growing strong together with others. An overarching theme suggests that a life together with an aphasic person means being used as a bridge between the aphasic person and the surrounding world. Moreover, it illuminates that a close relative to a person with aphasia is a person who does not leave, despite a heavy burden of lonely responsibility. It is concluded that community services need to fulfill their responsibility of providing support to informal caregivers as suggested by the Swedish lawmakers. PMID:22114621

  10. Evaluation of a comprehensive EHR based on the DeLone and McLean model for IS Success: Approach, Results, and Success Factors

    DEFF Research Database (Denmark)

    Bossen, Claus; Jensen, Lotte Groth; Udsen, Flemming Witt

    2013-01-01

    Objective: The article describes the methodological approach to, and results of an evaluation of a comprehensive electronic health record (EHR) in the shake down phase, shortly after its implementation at a regional hospital in Denmark. Design: A formative evaluation based on a mixed-methods case...... study, designed to be interactive and concurrent was conducted at two hospital departments based on the updated DeLone and McLean framework for evaluating information systems success. Methods: To ascertain user assessments of the EHR, we distributed a questionnaire two months after implementation......:Overall, staff had positive experiences with the EHR and its operational reliability, response time, login and support. Performance was acceptable. Medical secretaries found the use of the patient administration module cumbersome, and physicians found the establishment of the overview of professionally...

  11. Forasteiros na pátria-mãe: o lugar do migrante em The Lonely Londoners, de Samuel Selvon e The Final Passage, de Caryl Phillips

    Directory of Open Access Journals (Sweden)

    Denise Almeida Silva

    2008-01-01

    Full Text Available http://dx.doi.org/10.5007/2175-8026.2008n54p39 Este estudo analisa a construção ficcional da identidade do migrante em The Lonely Londoners (1956, de Samuel Selvon e The Final Passage (1985, de Caryl Phillips. Ambos os romances enfocam a experiência da geração Windrush, recrutada das colônias para suprir mão de obra na Inglaterra do pós-guerra. Ressalta-se o espaço intersticial ocupado pelas comunidades migrantes, e estuda-se a construção da identidade nessas obras dentro do contexto das relações culturais, analisando-se as políticas de afiliação, pertencimento e exclusão implícitas na formação dessas comunidades diaspóricas.

  12. The role of the Sb3+ lone-electron pairs and Fe2+ coordination in the high-pressure behavior of berthierite

    DEFF Research Database (Denmark)

    Periotto, Benedetta; Balic Zunic, Tonci; Nestola, Fabrizio

    2012-01-01

    at higher pressures. This deformation at high pressures can be related to an increase in the Jahn–Teller effect on the Fe2+ coordination. The influence of Fe on compressional behavior makes a distinct difference between the compression of berthierite and that of stibnite, Sb2S3. The bridging Fe coordination...... with stereochemically active lone-electron pairs (LEP), the Sb3+ LEP, influencing long Sb–S bonds in berthierite, accommodate most of the compression. The Fe octahedron, which is the stiffest coordination polyhedron in berthierite, increases its distortion until approximately 5 GPa, but shows pronounced stiffening...... between the structural rods in berthierite makes it stiffer. This, together with the direct structural relation to the analogous PbBi2S4, galenobismutite, makes the compressional characteristics of berthierite more akin to those of galenobismutite, despite quantitative differences in the stereochemical...

  13. A bridge between a lonely soul and the surrounding world: A study on existential consequences of being closely related to a person with aphasia.

    Science.gov (United States)

    Nyström, Maria

    2011-01-01

    This study illuminates existential consequences of being closely related to a person suffering from aphasia. Seventeen close relatives were interviewed and their narratives were interpreted with inspiration from Ricoeur, Levinas, Husserl, Winnicot, and Maurice Merleau-Ponty. The emerging interpretations resulted in four themes that illuminate a life characterized by lost freedom, staying, a new form of relationship, and growing strong together with others. An overarching theme suggests that a life together with an aphasic person means being used as a bridge between the aphasic person and the surrounding world. Moreover, it illuminates that a close relative to a person with aphasia is a person who does not leave, despite a heavy burden of lonely responsibility. It is concluded that community services need to fulfill their responsibility of providing support to informal caregivers as suggested by the Swedish lawmakers.

  14. The evaluation of a virtual education system based on the DeLone and McLean model:  A path analysis [version 1; referees: 2 approved

    Directory of Open Access Journals (Sweden)

    Zohreh Mahmoodi

    2017-09-01

    Full Text Available Background: The Internet has dramatically influenced the introduction of virtual education. Virtual education is a term that involves online education and e-learning. This study was conducted to evaluate a virtual education system based on the DeLone and McLean model. Methods: This descriptive analytical study was conducted using the census method on all the students of the Nursing and Midwifery Department of Alborz University of Medical Sciences who had taken at least one online course in 2016-2017. Data were collected using a researcher-made questionnaire based on the DeLone and McLean model in six domains and then analyzed in SPSS-16 and LISREL-8.8 using the path analysis. Results: The goodness of fit indices (GFI of the model represent the desirability and good fit of the model, and the rational nature of the adjusted relationships between the variables based on a conceptual model (GFI = 0.98; RMSEA = 0.014.The results showed that system quality has the greatest impact on the net benefits of the system through both direct and indirect paths (β=0.52, service quality through the indirect path (β=0.03 and user satisfaction through the direct path (β=0.73. Conclusions: According to the results, system quality has the greatest overall impact on the net benefits of the system, both directly and indirectly by affecting user satisfaction and the intention to use. System quality should therefore be further emphasized, to use these systems more efficiently.

  15. Formation of mantle "lone plumes" in the global downwelling zone - A multiscale modelling of subduction-controlled plume generation beneath the South China Sea

    Science.gov (United States)

    Zhang, Nan; Li, Zheng-Xiang

    2018-01-01

    It has been established that almost all known mantle plumes since the Mesozoic formed above the two lower mantle large low shear velocity provinces (LLSVPs). The Hainan plume is one of the rare exceptions in that instead of rising above the LLSVPs, it is located within the broad global mantle downwelling zone, therefore classified as a "lone plume". Here, we use the Hainan plume example to investigate the feasibility of such lone plumes being generated by subducting slabs in the mantle downwelling zone using 3D geodynamic modelling. Our geodynamic model has a high-resolution regional domain embedded in a relatively low resolution global domain, which is set up in an adaptive-mesh-refined, 3D mantle convection code ASPECT (Advanced Solver for Problems in Earth's ConvecTion). We use a recently published plate motion model to define the top mechanical boundary condition. Our modelling results suggest that cold slabs under the present-day Eurasia, formed from the Mesozoic subduction and closure of the Tethys oceans, have prevented deep mantle hot materials from moving to the South China Sea from regions north or west of the South China Sea. From the east side, the Western Pacific subduction systems started to promote the formation of a lower-mantle thermal-chemical pile in the vicinity of the future South China Sea region since 70 Ma ago. As the top of this lower-mantle thermal-chemical pile rises, it first moved to the west, and finally rested beneath the South China Sea. The presence of a thermochemical layer (possible the D″ layer) in the model helps stabilizing the plume root. Our modelling is the first implementation of multi-scale mesh in the regional model. It has been proved to be an effective way of modelling regional dynamics within a global plate motion and mantle dynamics background.

  16. The evaluation of a virtual education system based on the DeLone and McLean model:  A path analysis.

    Science.gov (United States)

    Mahmoodi, Zohreh; Esmaelzadeh-Saeieh, Sara; Lotfi, Razieh; Baradaran Eftekhari, Monir; Akbari Kamrani, Mahnaz; Mehdizadeh Tourzani, Zahra; Salehi, Katayoun

    2017-01-01

    Background : The Internet has dramatically influenced the introduction of virtual education. Virtual education is a term that involves online education and e-learning. This study was conducted to evaluate a virtual education system based on the DeLone and McLean model. Methods : This descriptive analytical study was conducted using the census method on all the students of the Nursing and Midwifery Department of Alborz University of Medical Sciences who had taken at least one online course in 2016-2017. Data were collected using a researcher-made questionnaire based on the DeLone and McLean model in six domains and then analyzed in SPSS-16 and LISREL-8.8 using the path analysis. Results : The goodness of fit indices (GFI) of the model represent the desirability and good fit of the model, and the rational nature of the adjusted relationships between the variables based on a conceptual model (GFI = 0.98; RMSEA = 0.014).The results showed that system quality has the greatest impact on the net benefits of the system through both direct and indirect paths (β=0.52), service quality through the indirect path (β=0.03) and user satisfaction through the direct path (β=0.73). Conclusions : According to the results, system quality has the greatest overall impact on the net benefits of the system, both directly and indirectly by affecting user satisfaction and the intention to use. System quality should therefore be further emphasized, to use these systems more efficiently.

  17. The evaluation of a virtual education system based on the DeLone and McLean model:  A path analysis [version 2; referees: 3 approved

    Directory of Open Access Journals (Sweden)

    Zohreh Mahmoodi

    2017-09-01

    Full Text Available Background: The Internet has dramatically influenced the introduction of virtual education. Virtual education is a term that involves online education and e-learning. This study was conducted to evaluate a virtual education system based on the DeLone and McLean model. Methods: This descriptive analytical study was conducted using the census method on all the students of the Nursing and Midwifery Department of Alborz University of Medical Sciences who had taken at least one online course in 2016-2017. Data were collected using a researcher-made questionnaire based on the DeLone and McLean model in six domains and then analyzed in SPSS-16 and LISREL-8.8 using the path analysis. Results: The goodness of fit indices (GFI of the model represent the desirability and good fit of the model, and the rational nature of the adjusted relationships between the variables based on a conceptual model (GFI = 0.98; RMSEA = 0.014.The results showed that system quality has the greatest impact on the net benefits of the system through both direct and indirect paths (β=0.52, service quality through the indirect path (β=0.03 and user satisfaction through the direct path (β=0.73. Conclusions: According to the results, system quality has the greatest overall impact on the net benefits of the system, both directly and indirectly by affecting user satisfaction and the intention to use. System quality should therefore be further emphasized, to use these systems more efficiently.

  18. Clearing Residual Planetesimals by Sweeping Secular Resonances in Transitional Disks: A Lone-planet Scenario for the Wide Gaps in Debris Disks around Vega and Fomalhaut

    Science.gov (United States)

    Zheng, Xiaochen; Lin, Douglas N. C.; Kouwenhoven, M. B. N.; Mao, Shude; Zhang, Xiaojia

    2017-11-01

    Extended gaps in the debris disks of both Vega and Fomalhaut have been observed. These structures have been attributed to tidal perturbations by multiple super-Jupiter gas giant planets. Within the current observational limits, however, no such massive planets have been detected. Here we propose a less stringent “lone-planet” scenario to account for the observed structure with a single eccentric gas giant and suggest that clearing of these wide gaps is induced by its sweeping secular resonance. With a series of numerical simulations, we show that the gravitational potential of the natal disk induces the planet to precess. At the locations where its precession frequency matches the precession frequency the planet imposes on the residual planetesimals, their eccentricity is excited by its resonant perturbation. Due to the hydrodynamic drag by the residual disk gas, the planetesimals undergo orbital decay as their excited eccentricities are effectively damped. During the depletion of the disk gas, the planet’s secular resonance propagates inward and clears a wide gap over an extended region of the disk. Although some residual intermediate-size planetesimals may remain in the gap, their surface density is too low to either produce super-Earths or lead to sufficiently frequent disruptive collisions to generate any observable dusty signatures. The main advantage of this lone-planet sweeping-secular-resonance model over the previous multiple gas giant tidal truncation scenario is the relaxed requirement on the number of gas giants. The observationally inferred upper mass limit can also be satisfied provided the hypothetical planet has a significant eccentricity. A significant fraction of solar or more massive stars bear gas giant planets with significant eccentricities. If these planets acquired their present-day kinematic properties prior to the depletion of their natal disks, their sweeping secular resonance would effectively impede the retention of neighboring

  19. 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...

  20. 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...

  1. 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.

  2. 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.

  3. Individual employee's perceptions of " Group-level Safety Climate" (supervisor referenced) versus " Organization-level Safety Climate" (top management referenced): Associations with safety outcomes for lone workers.

    Science.gov (United States)

    Huang, Yueng-Hsiang; Lee, Jin; McFadden, Anna C; Rineer, Jennifer; Robertson, Michelle M

    2017-01-01

    Research has shown that safety climate is among the strongest predictors of safety behavior and safety outcomes in a variety of settings. Previous studies have established that safety climate is a multi-faceted construct referencing multiple levels of management within a company, most generally: the organization level (employee perceptions of top management's commitment to and prioritization of safety) and group level (employee perceptions of direct supervisor's commitment to and prioritization of safety). Yet, no research to date has examined the potential interaction between employees' organization-level safety climate (OSC) and group-level safety climate (GSC) perceptions. Furthermore, prior research has mainly focused on traditional work environments in which supervisors and workers interact in the same location throughout the day. Little research has been done to examine safety climate with regard to lone workers. The present study aims to address these gaps by examining the relationships between truck drivers' (as an example of lone workers) perceptions of OSC and GSC, both potential linear and non-linear relationships, and how these predict important safety outcomes. Participants were 8095 truck drivers from eight trucking companies in the United States with an average response rate of 44.8%. Results showed that employees' OSC and GSC perceptions are highly correlated (r= 0.78), but notable gaps between the two were observed for some truck drivers. Uniquely, both OSC and GSC scores were found to have curvilinear relationships with safe driving behavior, and both scores were equally predictive of safe driving behavior. Results also showed the two levels of climate significantly interacted with one another to predict safety behavior such that if either the OSC or GSC scores were low, the other's contribution to safety behavior became stronger. These findings suggest that OSC and GSC may function in a compensatory manner and promote safe driving behavior even

  4. The role of figurative nominations in formation of the concept «Loneliness» in a mystery novel by Ray Bradbury «Death Is a Lonely Business»

    Directory of Open Access Journals (Sweden)

    Shushmarchenko Ekaterina Aleksandrovna

    2015-09-01

    Full Text Available The article describes the concept «Loneliness» in fiction built upon the descriptions from the mystery novel by Ray Bradbury «Death Is a Lonely Business» where the concept shows up in figurative nominations that concretize conceptual dimensions and reveal its mental aspects. The results of the research present the individual idea of the loneliness in the text of the novel.

  5. 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

  6. 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

  7. 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

  8. Structural effects of the lone pair on lead(II), and parallels with the coordination geometry of mercury(II). Does the lone pair on lead(II) form H-bonds? Structures of the lead(II) and mercury(II) complexes of the pendant-donor macrocycle DOTAM (1,4,7,10-tetrakis(carbamoylmethyl)-1,4,7,10-tetraazacyclododecane).

    Science.gov (United States)

    Hancock, Robert D; Reibenspies, Joseph H; Maumela, Hulisani

    2004-05-03

    The synthesis and structures of [Pb(DOTAM)](ClO4)2.4.5H2O (1) and [Hg(DOTAM)](ClO4)2.0.5CH3OH.1.5H2O (2) are reported, where DOTAM is 1,4,7,10-tetrakis(carbamoylmethyl)-1,4,7,10-tetraazacyclododecane. Compound 1 is triclinic, space group P, a = 12.767(3) A, b = 13.528(2) A, c = 18.385(3) A, alpha = 101.45(2) degrees, beta = 93.32(2) degrees, gamma = 90.53(2) degrees, Z = 4, R = 0.0500. Compound 2 is monoclinic, space group Cc, a = 12.767(3) A, b = 13.528(2) A, c = 18.385(3) A, beta = 101.91(2) degrees, Z = 4, R = 0.0381. The Pb(II) ion in 1 has an average Pb-N = 2.63 A to four N-donors from the macrocyclic ring, and four O-donors (average Pb-O = 2.77 A) from the amide pendant donors of the macrocycle, with a water molecule placed with Pb-O = 3.52 A above the proposed site of the lone pair (Lp) on Pb. The Hg(II) in 2 appears to be only six-coordinate, with four Hg-N bond lengths averaging 2.44 A, and two Hg-O from pendant amide donors at 2.41 A. The other two amide donors appear to be noncoordinating, with Hg-O distances of 2.74 and 2.82 A. A water situated 3.52 A above the proposed site of the lone pair on Pb(II) in 1 is oriented in such a way that it might be thought to be forming a Pb-Lp.H-O-H hydrogen bond. It is concluded that that this is not an H-bond, but that the presence of the lone pair allows a closer approach of the hydrogens to Pb than would be true otherwise. The structural analogy in the VSEPR sense between Pb(II), which has the 5d(10)6s(2) outer electron structure, and the Hg(II) ion, which has the 5d10 structure, is examined. The tendency of Hg(II) toward linear coordination, with two short Hg-L bonds (L = ligand) at 180 degrees to each other, and other donor groups at roughly 90 degrees to this and at much longer bond distances, is paralleled by Pb(II). One of the short Hg-L bonds is replaced in the Pb(II) structures by the lone pair (Lp), which is opposite the short Pb-L bond, or in some cases 2-4 shorter Pb-L bonds.

  9. Defect properties of Sb- and Bi-doped CuInSe{sub 2}: The effect of the deep lone-pair s states

    Energy Technology Data Exchange (ETDEWEB)

    Park, Ji-Sang; Yang, Ji-Hui; Ramanathan, Kannan; Wei, Su-Huai, E-mail: Suhuai.Wei@nrel.gov [National Renewable Energy Laboratory, Golden, Colorado 80401 (United States)

    2014-12-15

    Bi or Sb doping has been used to make better material properties of polycrystalline Cu{sub 2}(In,Ga)Se{sub 2} as solar cell absorbers, including the experimentally observed improved electrical properties. However, the mechanism is still not clear. Using first-principles method, we investigate the stability and electronic structure of Bi- and Sb-related defects in CuInSe{sub 2} and study their effects on the doping efficiency. Contrary to previous thinking that Bi or Sb substituted on the anion site, we find that under anion-rich conditions, the impurities can substitute on cation sites and are isovalent to In because of the formation of the impurity lone pair s states. When the impurities substitute for Cu, the defects act as shallow double donors and help remove the deep In{sub Cu} level, thus resulting in the improved carrier life time. On the other hand, under anion-poor conditions, impurities at the Se site create amphoteric deep levels that are detrimental to the device performance.

  10. Forasteiros na pátria-mãe: o lugar do migrante em The Lonely Londoners, de Samuel Selvon e The Final Passage, de Caryl Phillips

    Directory of Open Access Journals (Sweden)

    Denise Almeida Silva

    2010-06-01

    Full Text Available

    Este estudo analisa a construção ficcional da identidade do migrante em The Lonely Londoners (1956, de Samuel Selvon e The Final Passage (1985, de Caryl Phillips. Ambos os romances enfocam a experiência da geração Windrush, recrutada das colônias para suprir mão de obra na Inglaterra do pós-guerra. Ressalta-se o espaço intersticial ocupado pelas comunidades migrantes, e estuda-se a construção da identidade nessas obras dentro do contexto das relações culturais, analisando-se as políticas de afiliação, pertencimento e exclusão implícitas na formação dessas comunidades diaspóricas.

     

  11. Measuring the Success of E-Cargo Implementation at One of Indonesian Airlines using DeLone and McLean Model

    Science.gov (United States)

    Monika, Ruth; Lumban Gaol, Ford

    2017-06-01

    This research is aimed at measuring the success of e-cargo implementation in Indonesia. There are three analyzed districts: Tanjung Pandan (TJQ), Palembang (PLM), and Jakarta (CGK). The research uses information system’s success model proposed by Delone and McLean. The research will analyze the factors that measure the success of using DeLone & McLean model of success information systems. Data from 53 respondents were collected through a survey, then the author created a path with the Partial Least Squares (PLS) path analysis using the software SmartPLS (v.3.2.6). The results of this study proved that the information quality variable did not significantly affect use variable, the information quality variable had no significant effect on the user satisfaction variable and the service quality variable had no significant effect on the use variable, while the other variables were tested significant in measuring the success of the use of information systems with R-square value that has a moderate effect of user satisfaction variable by 0.577, the use variable by 0.396, and a net benefit variable by 0.615.

  12. Measuring the success of business-intelligence systems in South Africa: An empirical investigation applying the DeLone and McLean Model

    Directory of Open Access Journals (Sweden)

    Taurayi Mudzana

    2015-12-01

    Full Text Available Background: Business intelligence systems (BIS hold promise for improving organisational decision-making in South Africa. Yet, the use of BIS has been associated with a number of challenges. Objectives: The aim of the study was to identify post implementation factors that contribute to the success of BIS in South African organisations. Method: This study draws on the DeLone and McLean Model of Information Systems success and recent literature on business-intelligence (BI to develop and test a BIS success model. A quantitative study was conducted in the form of a survey of 102 BI users to validate the BIS success model. Results: Five interrelated factors of BIS success were confirmed. The study found that the quality of information has a strong influence on system use and user satisfaction. It was found that system quality is positively associated with user satisfaction. The results also indicated that service quality is negatively related to user satisfaction. The study also found that user satisfaction is positively associated with nett benefits of a BI system. Conclusion: The study provides insights for both managers and practitioners on the factors to focus on when implementing BIS thereby minimising the adoption risks associated with BI failures.

  13. Evolution of lone pair of excess electrons inside molecular cages with the deformation of the cage in e2@C60F60 systems.

    Science.gov (United States)

    Wang, Yin-Feng; Chen, Wei; Yu, Guang-Tao; Li, Zhi-Ru; Wu, Di; Sun, Chia-Chung

    2011-07-15

    For unusual e(2)@C(60)F(60)(I(h), D(6h), and D(5d)) cage structures with two excess electrons, it is reported that not only the lone pair in singlet state but also two single excess electrons in triplet state can be encapsulated inside the C(60)F(60) cages to form single molecular solvated dielectrons. The interesting relationship between the shape of the cage and the spin state of the system has revealed that ground states are singlet state for spherical shaped e(2)@C(60)F(60)(I(h)) and triplet states for short capsular shaped e(2)@C(60)F(60)(D(6h)) and long capsular shaped e(2)@C(60)F(60)(D(5d)), which shows a spin evolution from the singlet to triplet state with the deformation of the cage from spherical to capsular shape. For these excess electron systems, the three ground state structures have large vertical electron detachment energies (VDEs (I) of 1.720-2.283 eV and VDEs (II) of 3.959-5.288 eV), which shows their stabilities and suggests that the large C(60)F(60) cage is the efficient container of excess electrons. Copyright © 2011 Wiley Periodicals, Inc.

  14. Identity at the Border: Narrative Strategies in María Novaro's El jardín del Edén and John Sayles's Lone Star

    Directory of Open Access Journals (Sweden)

    Amy Kaminsky

    2001-01-01

    Full Text Available In María Novaro's El jardín del Edén and John Sayles's Lone Star , the narrative and visual art of film functions as ritual does: to make sense of the dangerous liminal space of the border. Novaro and Sayles both locate their protagonists' identity quests in the Mexico-U.S. borderlands, but they approach the problem from different directions: Sayles from the north, Novaro from the south; Sayles from the perspective of men in search of themselves through their fathers, Novaro from that of women in search of identity with the help of each other. With her focus on the stories of three women, and a camera that often interrupts the narrative in favor of the contemplative gaze, Novaro challenges both the conventional plot and the patriarchal substructure that critics have linked to Mexican cinema. When John Sayles investigates identity at the border, he charges headlong into precisely the sort of diachronic narrative that Novaro leaves behind. Yet ironically, it is by embracing narrative that Sayles confounds the boundary lines that the story of paternity is meant to maintain and that U.S. border films have traditionally policed.

  15. Technical review comments on the environmental impact statement for the proposed Lone Pine Resources Ltd. Great Sand Hills Natural Gas Development

    International Nuclear Information System (INIS)

    1992-01-01

    Lone Pine Resources is proposing to construct and operate a natural gas production and transportation system in the Freefight Lake area of the Great Sand Hills in Saskatchewan. The initial development proposal consists of 58 gas wells at 160-acre spacing, with associated infrastructure. After drilling, completion, and tie-ins, the wells would be operated for an estimated 25 y. Following completion of construction, disturbed well sites and some pipeline rights of way would be fenced off and necessary reclamation, erosion control, and revegetation measures would be implemented and continued until revegetation standards are met. The thin vegetation, poorly developed soils, and wind exposure renders the project area vulnerable to disturbance, and the area's terrain, plant communities, wildlife, and surface and ground water are subject to potential biophysical impacts. About 4.6% of the total project area is expected to be affected temporarily by construction of the project. Although the project area is formally designated as a critical wildlife habitat, it is believed that the proposed project can be constructed and operated with only minor impacts on wildlife. Groundwater contamination will be avoided by enforcing strict drilling regulations, including containment of all drilling fluids. If approved, the project would create economic benefits to the Fox Valley-Maple Creek area, mainly during construction. Potential impacts on the esthetic character of the area are considered to be minor

  16. 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

  17. 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...

  18. Evaluation of a comprehensive EHR based on the DeLone and McLean model for IS success: approach, results, and success factors.

    Science.gov (United States)

    Bossen, Claus; Jensen, Lotte Groth; Udsen, Flemming Witt

    2013-10-01

    The article describes the methodological approach to, and results of an evaluation of a comprehensive electronic health record (EHR) in the shake down phase, shortly after its implementation at a regional hospital in Denmark. A formative evaluation based on a mixed-methods case study, designed to be interactive and concurrent was conducted at two hospital departments based on the updated DeLone and McLean framework for evaluating information systems success. To ascertain user assessments of the EHR, we distributed a questionnaire two months after implementation to four groups of staff (physicians, nurses, medical secretaries, and physiotherapists; n=244), and at the same time we conducted thirteen individual, semi-structured interviews with representatives from these four groups. Subsequently, seven follow-up focus group interviews were conducted with the four above-mentioned groups, in order to go deeper into specific user assessments. Simultaneously, focus group interviews with two IT departments and the implementation team were conducted, to gain insight into system provider assessments of the implementation process and the EHR. Before, during, and after implementation, 88 h of ethnographic observation were carried out, to give the researchers an understanding of the daily routine of staff, and their use of health records. Finally, daily system performance data were obtained, to gather factual information on system response and downtime. Overall, staff had positive experiences with the EHR and its operational reliability, response time, login and support. Performance was acceptable. Medical secretaries found the use of the patient administration module cumbersome, and physicians found the establishment of the overview of professionally relevant data challenging. There were demands for improvements to these and other functionalities, and for the EHR to be integrated with other systems and databases. Evaluations immediately following implementation are inherently

  19. First-principles study lone-pair effects of Sb (III)-S chromophore influence on SHG response in quaternary potassium containing silver antimony sulfides

    Energy Technology Data Exchange (ETDEWEB)

    Huang, Junben [Key Laboratory of Functional Materials and Devices for Special Environments of CAS,, Xinjiang Key Laboratory of Electronic Information Materials and Devices, Xinjiang Technical Institute of Physics & Chemistry of CAS, 40-1 South Beijing Road, Urumqi 830011 (China); School of Physics Science and Technology, Xinjiang University, Urumqi 830046 (China); Su, Xin; Hou, Dianwei; Lei, Binghua [Key Laboratory of Functional Materials and Devices for Special Environments of CAS,, Xinjiang Key Laboratory of Electronic Information Materials and Devices, Xinjiang Technical Institute of Physics & Chemistry of CAS, 40-1 South Beijing Road, Urumqi 830011 (China); University of Chinese Academy of Sciences, Beijing 100049 (China); Yang, Zhihua, E-mail: zhyang@ms.xjb.ac.cn [Key Laboratory of Functional Materials and Devices for Special Environments of CAS,, Xinjiang Key Laboratory of Electronic Information Materials and Devices, Xinjiang Technical Institute of Physics & Chemistry of CAS, 40-1 South Beijing Road, Urumqi 830011 (China); Pan, Shilie, E-mail: slpan@ms.xjb.ac.cn [Key Laboratory of Functional Materials and Devices for Special Environments of CAS,, Xinjiang Key Laboratory of Electronic Information Materials and Devices, Xinjiang Technical Institute of Physics & Chemistry of CAS, 40-1 South Beijing Road, Urumqi 830011 (China)

    2017-05-15

    First-principles studies of the geometric structures, electronic structures and optical properties of non-centrosymmetrical (NCS) KAg{sub 2}SbS{sub 4}, K{sub 2}AgSbS{sub 4} and K{sub 2}Ag{sub 3}Sb{sub 3}S{sub 7} and centrosymmetrical (CS) KAg{sub 2}SbS{sub 3} and K{sub 3}Ag{sub 9}Sb{sub 4}S{sub 12} have been performed by means of density functional theory. It is indicated that although they have similarity in their anionic groups and, the electronic structures, prominent features of the optical anisotropy or second-order nonlinear optical (NLO) susceptibilities are apparently different. The calculated birefringences are 0.0537, 0.0343, 0.1324, 0.2217 and 0.0604 which are attributed to the different anionic groups [SbS{sub 3}] and triangles [AgS{sub 3}]. Also, the calculated NLO responses are about 0.5×, 1.0× and 2.0× times than that commercial AgGaS{sub 2} (AGS, d{sub 36}=11 pm/V) for K{sub 2}AgSbS{sub 4}, KAg{sub 2}SbS{sub 4} and K{sub 2}Ag{sub 3}Sb{sub 3}S{sub 7}, respectively. In comparison with the absolute magnitude of second harmonic generation (SHG) coefficients, the order K{sub 2}Ag{sub 3}Sb{sub 3}S{sub 7}>KAg{sub 2}SbS{sub 4}>K{sub 2}AgSbS{sub 4} is clearly established in the SHG response. Further analysis based on the real-space atom-cutting method reveals that the main sources of the SHG properties of these compounds are from the Sb-S group, especially K{sub 2}Ag{sub 3}Sb{sub 3}S{sub 7} is mainly attributed to the lone pair stereochemical activity of Sb (III)-S group. - Graphical abstract: Compounds K{sub 2}AgSbS{sub 4}, KAg{sub 2}SbS{sub 4} and K{sub 2}Ag{sub 3}Sb{sub 3}S{sub 7} exhibit second-order NLO response: 15×, 30× and 62× times than that KDP (KH{sub 2}PO{sub 4}, d{sub 36}=0.39 pm/V), respectively. First-principles methods reveal that the large SHG response of K{sub 2}Ag{sub 3}Sb{sub 3}S{sub 7} is dominated by the Sb-S chromophore with lone pairs.

  20. Analysis of the quality of hospital information systems in Isfahan teaching hospitals based on the DeLone and McLean model.

    Science.gov (United States)

    Saghaeiannejad-Isfahani, Sakineh; Saeedbakhsh, Saeed; Jahanbakhsh, Maryam; Habibi, Mahboobeh

    2015-01-01

    Quality is one of the most important criteria for the success of an information system, which refers to its desirable features of the processing system itself. The aim of this study was the analysis of system quality of hospital information systems (HIS) in teaching hospitals of Isfahan based on the DeLone and McLean model. This research was an applied and analytical-descriptive study. It was performed in teaching hospitals of Isfahan in 2010. The research population consisted of the HIS's users, system designers and hospital information technology (IT) authorities who were selected by random sampling method from users' group (n = 228), and system designers and IT authorities (n = 52) using census method. The data collection tool was two researcher-designed questionnaires. Questionnaires' reliability was estimated by using Cronbach's alpha was calculated. It was 97.1% for the system designers and IT authorities' questionnaire and 92.3% for system users' questionnaire. Findings showed that the mean of system quality score in a variety of HIS and among different hospitals was significantly different and not the same (P value ≥ 0.05). In general, Kosar (new version) system and Rahavard Rayaneh system have dedicated the highest and the lowest mean scores to themselves. The system quality criterion overall mean was 59.6% for different HIS and 57.5% among different hospitals respectively. According to the results of the research, it can be stated that based on the applied model, the investigated systems were relatively desirable in terms of quality. Thus, in order to achieve a good optimal condition, it is necessary to pay particular attention to the improving factors of system quality, type of activity, type of specialty and hospital ownership type.

  1. How much does it hurt to be lonely? Mental and physical differences between older men and women in the KORA-Age Study.

    Science.gov (United States)

    Zebhauser, A; Hofmann-Xu, L; Baumert, J; Häfner, S; Lacruz, M E; Emeny, R T; Döring, A; Grill, E; Huber, D; Peters, A; Ladwig, K H

    2014-03-01

    Loneliness has a deep impact on quality of life in older people. Findings on sex-specific differences on the experience of loneliness remain sparse. This study compared the intensity of and factors associated with loneliness between men and women. Analyses are based on the 2008/2009 data of the KORA-Age Study, comprising 4127 participants in the age range of 64-94 years. An age-stratified random subsample of 1079 subjects participated in a face-to-face interview. Loneliness was measured by using a short German version of the UCLA-Loneliness-Scale (12 items, Likert scaled, ranging from 0 to 36 points). Multiple logistic regression analysis was conducted to analyze the associations of socio-demographic, physical, and psychological factors with loneliness. The mean level of loneliness did not significantly differ between men (17.0 ± 4.5) and women (17.5 ± 5.1). However, among the oldest old (≥85 years), loneliness was higher in women (p value = 0.047). Depression, low satisfaction with life, and low resilience were associated significantly with loneliness, which was more pronounced in men. Living alone was not associated with loneliness, whereas lower social network was associated with a three time higher risk for feeling lonely in both men and women. The extent of loneliness was equally distributed between men and women, although women were more disadvantaged regarding living arrangements as well as physical and mental health. However, loneliness was stronger associated with adverse mental health conditions in men. These findings should be considered when developing intervention strategies to reduce loneliness. Copyright © 2013 John Wiley & Sons, Ltd.

  2. Increased risk of mortality associated with social isolation in older men: only when feeling lonely? Results from the Amsterdam Study of the Elderly (AMSTEL).

    Science.gov (United States)

    Holwerda, T J; Beekman, A T F; Deeg, D J H; Stek, M L; van Tilburg, T G; Visser, P J; Schmand, B; Jonker, C; Schoevers, R A

    2012-04-01

    Loneliness has a significant influence on both physical and mental health. Few studies have investigated the possible associations of loneliness with mortality risk, impact on men and women and whether this impact concerns the situation of being alone (social isolation), experiencing loneliness (feeling lonely) or both. The current study investigated whether social isolation and feelings of loneliness in older men and women were associated with increased mortality risk, controlling for depression and other potentially confounding factors. In our prospective cohort study of 4004 older persons aged 65-84 years with a 10-year follow-up of mortality data a Cox proportional hazard regression analysis was used to test whether social isolation factors and feelings of loneliness predicted an increased risk of mortality, controlling for psychiatric disorders and medical conditions, cognitive functioning, functional status and sociodemographic factors. At 10 years follow-up, significantly more men than women with feelings of loneliness at baseline had died. After adjustment for explanatory variables including social isolation, the mortality hazard ratio for feelings of loneliness was 1.30 [95% confidence interval (CI) 1.04-1.63] in men and 1.04 (95% CI 0.90-1.24) in women. No higher risk of mortality was found for social isolation. Feelings of loneliness rather than social isolation factors were found to be a major risk factor for increasing mortality in older men. Developing a better understanding of the nature of this association may help us to improve quality of life and longevity, especially in older men.

  3. Structural characterization of tick cement cones collected from in vivo and artificial membrane blood-fed Lone Star ticks (Amblyomma americanum).

    Science.gov (United States)

    Bullard, Rebekah; Allen, Paige; Chao, Chien-Chung; Douglas, Jessica; Das, Pradipta; Morgan, Sarah E; Ching, Wei-Mei; Karim, Shahid

    2016-07-01

    The Lone Star tick, Amblyomma americanum, is endemic to the southeastern United States and capable of transmitting pathogenic diseases and causing non-pathogenic conditions. To remain firmly attached to the host, the tick secretes a proteinaceous matrix termed the cement cone which hardens around the tick's mouthparts to assist in the attachment of the tick as well as to protect the mouthparts from the host immune system. Cement cones collected from ticks on a host are commonly contaminated with host skin and hair making analysis of the cone difficult. To reduce the contamination found in the cement cone, we have adapted an artificial membrane feeding system used to feed long mouthpart ticks. Cones collected from in vivo and membrane fed ticks are analyzed to determine changes in the cone morphology. Comparisons of the cement cones using light microscopy shows similar structures and color however using scanning electron microscopy the cones have drastically different structures. The in vivo cones contain fibrils, sheets, and are heavily textured whereas cones from membrane fed ticks are remarkably smooth with no distinct structures. Analysis of the secondary protein structures using FTIR-ATR show both in vivo and membrane fed cement cones contain β sheets but only in vivo cement cones contain helical protein structures. Additionally, proteomic analysis using LC-MS/MS identifies many proteins including glycine rich proteins, metalloproteases, and protease inhibitors. Proteomic analysis of the cones identified both secreted and non-secreted tick proteins. Artificial membrane feeding is a suitable model for increased collection of cement cones for proteomic analysis however, structurally there are significant differences. Copyright © 2016 Elsevier GmbH. All rights reserved.

  4. 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

  5. Poland: Lone Eagle over Europe

    Science.gov (United States)

    2012-05-17

    Holocaust Memorial Museum, “German Prewar Expansion,” Holocaust Encyclopedia, http://www.ushmm.org/wlc/en/article.php?ModuleId=10005439 (accessed...Penguin Group, 2005. Kramer, John Horne and Alan. German Atrocities, 1914, A History of Denial . New Haven: Yale University Press, 2001. Krycznski, J.N...United States Holocaust Memorial Museum. German Prewar Expansion. January 6, 2012. http://www.ushmm.org/wlc/en/article.php?ModuleId=10005439 (accessed

  6. Sex and the lonely Atriplex

    Science.gov (United States)

    D. Carl Freeman; E. Durant McArthur; Kathleen J. Miglia; Michelle J. Nilson; Michelle L. Brown

    2007-01-01

    In principle, natural selection should have endowed species with the ability to assess their normal surroundings and respond to changes that enhance, or at least do not diminish, their fitness (Emlen et al. 1998). Hence, the chameleon changes colors to match its background to avoid being eaten, or a sweet pea's tendrils wrap around supporting structures. Buffalo...

  7. Predictive concept for lone-pair distortions - DFT and vibronic model studies of AXn-(n-3) molecules and complexes (A = NIII to BiIII; X = F-I to I-I; n = 3-6).

    Science.gov (United States)

    Atanasov, Michael; Reinen, Dirk

    2002-06-12

    The stereochemical and energetic consequences of the lone-pair effect in the title molecules and complexes have been studied by DFT calculations based on a vibronic coupling concept. The anionic complexes were examined as bare entities and, more realistically, in a polarizable charge-compensating solvent continuum. The tendency for distortions of AX3 compounds away from the high-symmetry parent geometry becomes more pronounced the larger the chemical hardness of a molecule and its constituents is; on the other hand, anionic complexes AXn-(n-3) (n = 4-6) become softer and less susceptible to distortion as compared to the corresponding AX3 molecule, the larger the coordination number and the anionic charge are. Thus, while all AX(3) compounds adopt the distorted C3v structure, only very few AX6(3-) species are calculated to deviate from the parent Oh geometry. If a complex possesses a low stabilization energy due to an unfavorable central ion/ligand size ratio, vibronic coupling may even lead to complete dissociation of one (SbF6(3-) --> SbF5(2-) + F-) or more (PF6(3-) --> PF4- + 2F-) ligands. The derived hardness rule perfectly covers the reported structural findings. The calculations indicate that the lone-pair effect is an orbital overlap phenomenon. The interpair repulsion within the valence shell, keeping the average bond distances constant, does not stabilize the distorted with respect to the parent geometry, in disagreement with the VSEPR model.

  8. Research Facilities for Solar Astronomy at ARIES P. Pant

    Indian Academy of Sciences (India)

    The system is controlled by a Sun Spark 20, 50 MHz computer having 7.3 GB disk capacity and 14 GB cartridge tape drive (Verma et al. 1996). A GPS clock connected to the computer records time with an accuracy of. 1 ms in the header of solar image, using a Sun interface software available with the above system.

  9. Research Facilities for Solar Astronomy at ARIES P. Pant

    Indian Academy of Sciences (India)

    a Robot recorder camera for solar patrolling in Hα respectively. With the advancement in solar observing techniques with high temporal and spatial resolution in Hα and other wavelengths, it became inevitable to acquire sophisticated instrumentation for data acquisition. In view of that, the above facilities were upgraded, ...

  10. Pants on fire: the electrophysiological signature of telling a lie.

    Science.gov (United States)

    Pfister, Roland; Foerster, Anna; Kunde, Wilfried

    2014-01-01

    Even though electroencephalography has played a prominent role for lie detection via personally relevant information, the electrophysiological signature of active lying is still elusive. We addressed this signature with two experiments in which participants helped a virtual police officer to locate a knife. Crucially, before this response, they announced whether they would lie or tell the truth about the knife's location. This design allowed us to study the signature of lie-telling in the absence of rare and personally significant oddball stimuli that are typically used for lie detection via electrophysiological markers, especially the P300 component. Our results indicate that active lying attenuated P300 amplitudes as well as N200 amplitudes for such non-oddball stimuli. These results support accounts that stress the high cognitive demand of lie-telling, including the need to suppress the truthful response and to generate a lie.

  11. 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

  12. 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.

  13. 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.

  14. 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

  15. 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)

  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 Critical Essay to the selected text – “Araby” What makes the protagonist in “Araby” a lonely person? Has he gained anything from his journey?

    Directory of Open Access Journals (Sweden)

    Charles Ko

    2013-07-01

    Full Text Available The present study has been covered an overview and the analysis of the short story “Araby” to find out what makes the protagonist a lonely person, by plot points, characters and themes, and then it has been included a discussion about the gain of the protagonist from the journey. The story starts in the drab life that people live on North Richmond Street. The narrator, a boy who is unnamed, believed to be at the age of around twelve (Cummings, describes the street where he lives at the very beginning of the story. He then thinks about the priest who died in the house before his family moved in, and the games that he and his friends played in the street, recalling how they were running through the back lanes of the houses and hid in the shadows to avoid people in their neighborhood, especially the boy’s uncle, and the sister of his friend Mangan. Mangan’s sister is always in the thoughts of the narrator although they talk little. The paper enables us to have an opportunity to reflect on our life: if we reflect the “gain” again in the more critical direction, we should not regard the loss of innocence as any gain: the innocence that we cannot easily retrieve it from society must be protected before it is lost; to a large extent, innocence may not be negative if we consider it as a source of happiness.

  1. Tb3O2Cl[SeO3]2 and Tb5O4Cl3[SeO3]2: Oxide Chloride Oxoselenates(IV) of Trivalent Terbium with ''Lone-Pair'' Channel or Layer Structures

    International Nuclear Information System (INIS)

    Wontcheu, Joseph; Schleid, Thomas

    2005-01-01

    Orthorhombic Tb 3 O 2 Cl[SeO 3 ] 2 (Pnma; a = 535.16(4), b = 1530.51(9), c = 1081.72(7) pm; Z = 4) is formed by reacting a stoichiometric mixture of Tb 4 O 7 , Tb, TbCl 3 , and SeO 2 in a suitable molar ratio (12: 8: 7: 42) within seven days in an evacuated sealed silica tube at 850 C. The needle-shaped, colourless single crystals (light, water and air stable) exhibit one-dimensional strands [(Tb1) 3/3 (Tb2) 2/1 O 4/2 ] 5+ [O 2 Tb 3 ] 5+ along [100] formed by two parallel chains [OTb 4/2 ] 4+ of trans-edge connected [OTb 4 ] 10+ tetrahedra (d(O-Tb) = 220 - 231 pm) which share an extra edge per chain link. The crystal structure contains two crystallographically different Tb 3+ cations: Tb1 is coordinated as bicapped trigonal prism, while Tb2 resides in square antiprismatic coordination. The Se 4+ coordination is best described as Ψ 1 tetrahedral ([SeO 3 E] 2- ; E: non-binding electron pair). The non-binding ''lone-pair'' electrons of four [SeO 3 ] 2- groups and two Cl - anions form pseudo-hexagonal empty channels along [100] between four cationic double chains. Tb 5 O 4 Cl 3 [SeO 3 ] 2 was prepared likewise as plate-like, colourless single crystals by solid-state reaction of an admixture of Tb 4 O 7 , Tb, TbOCl, TbCl 3 , and SeO 2 (molar ratio: 9: 6: 21: 7: 28) in an evacuated sealed silica tube during seven days at 850 C. This compound crystallizes in the monoclinic system (C2/m; a = 1229.13(9), b = 546.17(4), c = 978.79(7) pm, β = 90.485(6) ; Z = 2) and contains three crystallographically different Tb 3+ cations in seven- and eightfold coordination of O 2- and Cl - anions, respectively. The crystal structure of Tb 5 O 4 Cl 3 [SeO 3 ] 2 is layered and built up of corrugated terbium-oxygen sheets [O 4 Tb 5 ] 7+ formed by edge- and vertex-shared [OTb 4 ] 10+ tetrahedra (d(O-Tb) = 226-232 pm) spreading parallel (001). The structure is strongly related to the ''lone-pair'' channel structures of Tb 2 O[SeO 3 ] 2 and Tb 3 O 2 Cl[SeO 3 ] 2 , where single ([OTb 2 ] 4

  2. The lonely life of a double planet

    International Nuclear Information System (INIS)

    Pearson, Jerome

    1988-01-01

    The paper concerns extraterrestrial intelligence, and the requirements for a terrestrial planet and life. The effect of the Moon on the Earth, the presence of the Earth's atmosphere and oceans, the Earth's magnetic field, and the Earth's molten core, the distance between the sun and Earth where life is possible, and estimates of the number of habitable planets in the galaxies, are all discussed. (U.K.)

  3. The Lonely and Homeless: Causes and Consequences

    Science.gov (United States)

    Rokach, Ami

    2004-01-01

    Both, homelessness and loneliness are quite pervasive in North America. This study compared the causes of the loneliness experienced by the homeless to that of the general population. Two hundred and sixty six homeless and five hundred and ninety five men and women from the general population answered a 30 item yes/no questionnaire. The causes of…

  4. Lonely Birthday Eaters Anonymous: The Chinese Wall

    NARCIS (Netherlands)

    Laine, T.

    2015-01-01

    Loneliness forms the emotional core of The Chinese Wall. But rather than inviting empathetic identification with the main character, this film embodies the feeling by means of voice-over, mise-en-scène and the role of food (its consumption, tasting and sharing).

  5. Reading Samuel Selvon's The Lonely Londoners

    African Journals Online (AJOL)

    User

    he focuses his London novels and stories to accommodate black immigrants' struggles against colour discrimination in housing and jobs in London, as well as their battle against the London weather. In fact, to say the least, his writings constitute a representation of experiences of economic hardship, racism and boredom, of ...

  6. Why Are Hot Jupiters So Lonely?

    Science.gov (United States)

    Kohler, Susanna

    2017-10-01

    Jupiter-like planets with blisteringly close-in orbits are generally friendless, with no nearbyplanets transiting along with them. Giant planets with orbits a little further out, on the other hand, often have at least one companion. A new study examines the cause of hot Jupiters loneliness.Forming Close-In GiantsArtists impression of a planet forming within a protoplanetary disk. [NAOJ]Though weve studied close-in giant planets for decades now, we still dont fully understand how these objects form and evolve. Jupiter-like giant planets could form in situ next to their host stars, or they could form further out in the system beyond the ice line and then migrate inwards. And if they do migrate, this migration could occur early, while the protoplanetary disk still exists, or long after, via excitation of large eccentricities.We can try to resolve this mystery by examining the statistics of the close-in giant planets weve observed, but this often raises more questions than it answers. A prime example: the properties of close-in giants that have close-in companion planets orbiting in the same plane (i.e., co-transiting).About half of warm Jupiters Jupiter-like planets with periods of 1030 days appear to have close-in, co-transiting companions. In contrast, almost no hot Jupiters Jupiter-like planets with periods of less than 10 days have such companions. What causes this dichotomy?Schematic of the authors model, in which the close-in giant (m1) encounters a resonance with its host star, causing the orbit of the exterior companion (m2) to become tilted. [Spalding Batygin 2017]Friendless Hot JupitersWhile traditional models have argued that the two types of planets form via different pathways warm Jupiters form in situ, or else migrate inward early and smoothly, whereas hot Jupiters migrate inward late and violently, losing their companions in the process a new study casts doubt on this picture.Two scientists from the California Institute of Technology, Christopher Spalding and Konstantin Batygin, propose an alternative picture in which both types of planets form through identical pathways. Instead, they argue, a hot Jupiters apparent loneliness arises over time through interactions with its host star.Stellar Interactions Impact CompanionsSemimajor axis for the outer companion (a2) vs that of the close-in giant planet (a1) at three different system ages. Outer companions within the shaded region will not encounter the resonance investigated by the authors, instead remaining coplanar with the inner giant. For this reason, warm Jupiters will have evident companions whereas hot Jupiters will not. [Spalding Batygin 2017]Whether giant planets form in situ near their hosts or migrate inward, they can still have close-in, co-transiting companions outside of their orbit shortly after their birth, Spalding and Batygin argue. But after the disk in which they were born dissipates, the orbits of their companions may be altered.The authors demonstrate that because hot Jupiters are so close to their hosts, these giants eventually encounter a resonance with their stellar hosts quadrupole moment, which arises because rotating stars arent perfectly spherical. This resonance tilts the orbits of the hot Jupiters outer, lower-mass companions, rendering the companions undetectable in transit surveys.Warm Jupiters, on the other hand, are located just far enough away from their hosts to avoid feeling the effects of this resonance which allows them to keep their outer companions in the same plane.Based on their model, Spalding and Batygin make direct predictions for the systems they expect to be observed in large upcoming surveys like the Transiting Exoplanet Survey Satellite (TESS) which means we should soon have a sense of whether their picture is correct. If it is, it will confirm that the non-sphericity of stars can have significant impact on the dynamics and architecture of exoplanetary systems.CitationChristopher Spalding and Konstantin Batygin 2017 AJ 154 93. doi:10.3847/1538-3881/aa8174

  7. La Precariedad en los Hogares con Niños: Diferencias entre las Madres de Hogares Biparentales y Hogares Monomarentales en el Periodo 1995-2010 (The Precariousness of Households with Children: Differences Between Mothers in Two-parent Households and Lone M

    Directory of Open Access Journals (Sweden)

    Andrea Hernández-Monleón

    2015-12-01

    Full Text Available This article uses a gender perspective and focuses on precarious situations of households with children in the Spanish State. Lone mother households are compared to other households with minor children. The hypothesis is that these households are comparatively more precarious than two-parent households with minor children.Household Panel of the European Union (ECHP (1995 and 2000 and European Union Statistics on Income and Living Conditions (EU-SILC (2005 and 2010 are used to create four indicators of vital precariousness: Employment, income, housing and health. Comparison of means and general linear models were performed.The results illustrated the greater precariousness of lone mother households. Significant differences of precariousness between lone mothers and mothers in two-parent households are reported. Among the mothers in two parent households, the results outline differences between households with one or two children (less precarious and the households with three or more children (more precarious. El artículo utiliza una perspectiva de género y se centra en las situaciones de precariedad de los hogares con niños/as en el Estado Español. Se analizan las situaciones de los hogares monomarentales en comparación con el resto de hogares en los que residen niños, bajo la hipótesis de que estas familias se encuentran comparativamente en situaciones más precarias que las de hogares biparentales con niños.A partir del Panel de Hogares de la Unión Europea (PHOGUE 1995 y 2000 y la Encuesta de Condiciones de Vida 2005 y 2010 (EU-SILC, se crean cuatro indicadores de precariedad vital: laboral, ingresos, vivienda y salud. Se realiza una comparación de medias y modelos generales lineales.Los resultados ilustran la mayor precariedad de los hogares monomarentales, y evidencian la existencia de unas diferencias importantes de precariedad entre las madres de estos hogares y las madres en hogares biparentales, y entre los hogares biparentales

  8. Islamic Group Lending and Financial Inclusion

    OpenAIRE

    Rusydiana, Aam Slamet; Devi, Abrista

    2016-01-01

    Based on measurements of several indicators including the level of community participation, community empowerment, repayment rate was good, cross reporting good, and the application of penalties in accordance with the applicable rules, the results show that with the program GLM people feel the difference in economic condition and social than before and after the program. This is a major discovery is valuable. The development strategy for the program GLM is divided into seven levels with the e...

  9. "Hingelindude" lend / Igor Garšnek

    Index Scriptorium Estoniae

    Garšnek, Igor, 1958-

    2010-01-01

    Tallinna Filharmoonia kontserdisarjas "Viva oratorio!" 2. novembril Tallinna Jaani kirikus toimunud Rein Rannapi koori-orkestriteose "Hingelinnud I" (tekst Indrek Hirv) esiettekandest. Esitasid ETV mudilaskoor, lastekoor ja vilislased ning Tallinna Kammerorkester Toomas Vavilovi dirigeerimisel, solistid Bonzo ja Kaisa Padur

  10. 75 FR 7925 - Truth in Lending

    Science.gov (United States)

    2010-02-22

    ..., notices of changes in terms, and advertisements. The rule was published in the Federal Register on January... July 1, 2010 mandatory compliance date for many of the provisions incorporated from the January 2009...

  11. 75 FR 58509 - Truth in Lending

    Science.gov (United States)

    2010-09-24

    ... will not know the lowest rate the creditor would be willing to accept. The consumer also would need to... final rules apply to closed-end transactions secured by a dwelling where the creditor receives a loan... INFORMATION CONTACT: Catherine Henderson or Nikita M. Pastor, Attorneys; Brent Lattin or Paul Mondor, Senior...

  12. 75 FR 81836 - Truth in Lending

    Science.gov (United States)

    2010-12-29

    ... comment while also giving the provisions effect so that creditors would have the guidance they need and.... The September 2010 interim rule requires creditors who extend consumer credit secured by real property or a dwelling to disclose summary information about interest rates and payment changes in a tabular...

  13. Commercial lending in different corporate governance systems

    NARCIS (Netherlands)

    Pape, J.C.

    1999-01-01

    This thesis is concerned with corporate governance, or more accurately, about one of its many aspects. This thesis is about banks that finance firms and it is about the commercial loans that enterprises use to finance investments. It is not about shareholders, managerial remuneration or about the

  14. 12 CFR 563e.22 - Lending test.

    Science.gov (United States)

    2010-01-01

    ... savings association's home mortgage, small business, small farm, and consumer loans, if applicable, in the... savings association's home mortgage, small business, small farm, and consumer loans, if applicable, based... business, small farm, and consumer loans, if applicable, based on borrower characteristics, including the...

  15. 76 FR 35723 - Truth in Lending

    Science.gov (United States)

    2011-06-20

    ... loans in which the total points and fees payable by the consumer at or before loan consummation exceed... additional disclosures for loans secured by a consumer's home, and permits consumers to cancel certain... requirements if the total points and fees payable by the consumer at or before loan consummation exceed the...

  16. 75 FR 46837 - Truth in Lending

    Science.gov (United States)

    2010-08-04

    ... which the total points and fees payable by the consumer at or before loan consummation exceed the... for loans secured by a consumer's home, and permits consumers to cancel certain transactions that... points and fees payable by the consumer at or before loan consummation exceed the greater of $400 or 8...

  17. 12 CFR 345.22 - Lending test.

    Science.gov (United States)

    2010-01-01

    ..., small farm, and consumer loans, if applicable, in the bank's assessment area(s); (2) Geographic... assessment area(s), of the bank's home mortgage, small business, small farm, and consumer loans, if... loans by loan amount at origination; and (iv) Consumer loans, if applicable, to low-, moderate-, middle...

  18. 12 CFR 25.22 - Lending test.

    Science.gov (United States)

    2010-01-01

    ... mortgage, small business, small farm, and consumer loans, if applicable, in the bank's assessment area(s..., small farm, and consumer loans, if applicable, based on the loan location, including: (i) The proportion... business and small farm loans by loan amount at origination; and (iv) Consumer loans, if applicable, to low...

  19. 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...

  20. 76 FR 22947 - Truth in Lending

    Science.gov (United States)

    2011-04-25

    ... the time specified * * * because of an act of God, war, natural disaster, strike, or other excusable... the grace period disclosure in the table. The Board also stated its belief that a disclosure of the...

  1. Lend Me Your Ears: Developing Listening Skills

    OpenAIRE

    Patil, Z. N

    2012-01-01

    Listening occupies a central place in communication in everyday situations as well as business settings. We spend more time listening than we spend speaking, reading and writing. Most of our knowledge of the world derives from listening input. In spite of the centrality of listening, it has received an unfair treatment in second and foreign language classrooms. On the other hand, reading and writing have received a favorable treatment. The present paper discusses why it is imperat...

  2. 76 FR 11597 - Truth in Lending

    Science.gov (United States)

    2011-03-02

    ...) would require the creditor to provide a statement that an escrow account is an account used to pay home... consumer waived it or a statement that the creditor does not offer the option of having an escrow account... that consumer a fee for foregoing such financial benefits with respect the transaction. Creditors that...

  3. 75 FR 7657 - Truth in Lending

    Science.gov (United States)

    2010-02-22

    ... Responsibility and Disclosure Act of 2009 that are effective on February 22, 2010. The rule establishes a number... to consumers who are under the age of 21, and limits the assessment of fees for exceeding the credit..., 2009, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit Card Act) was...

  4. 76 FR 18354 - Truth in Lending

    Science.gov (United States)

    2011-04-04

    ... information to reconstruct the required disclosures or other records. Thus, for example, the creditor need not... amount since the 1980s. As a result, creditors ranging from large financial institutions to small... without requiring additional credit information (although creditors are permitted to, for example, verify...

  5. 12 CFR 613.3200 - International lending.

    Science.gov (United States)

    2010-01-01

    ... imports, exports, or international business operations shall not exceed the percentage of ownership that... transaction with a voting stockholder of the bank for the substantial benefit of the shareholder; and (3) Any foreign or domestic legal entity in which eligible cooperatives hold an ownership interest. (c) Export...

  6. Quiet innovation adds flexibility to global lending

    International Nuclear Information System (INIS)

    Pavey, Nigel.

    1993-01-01

    Few major mandates were won or lost in the first quarter of 1993, as the energy industry adopted a conservative approach to its financing needs. However, indications are that energy companies are coming back to the syndicated loan market after this quiet first quarter. Already, Enron, Shell Oil and Coastal have mandated substantial new facilities. Many more companies are expected back in the market over the new few months, including at least one jumbo for a major international name. A number of the industry's top names report that pricing is once again getting more aggressive in response to the high level of liquidity among lenders and a shortage of new mandates over the last few months. (Author)

  7. 12 CFR 613.3100 - Domestic lending.

    Science.gov (United States)

    2010-01-01

    ... electric, telecommunication, cable television, water, or waste treatment services. (4) Rural area means all... membership by agricultural or aquatic producers due to changed circumstances beyond their control; and (C... more than one vote because of the amount of stock or membership capital owned therein; or (B) The...

  8. 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....

  9. 75 FR 66553 - Truth in Lending

    Science.gov (United States)

    2010-10-28

    ..., mortgage brokers, appraisers, appraisal management companies, real estate agents, title insurance companies... creditor engages a real estate agent to provide an estimate of market value.\\8\\ The Board believes that... violates Sec. 226.42(c)(1) by seeking to coerce a real estate agent to assign a market value to the...

  10. 12 CFR 560.93 - Lending limitations.

    Science.gov (United States)

    2010-01-01

    ... states, the District of Columbia, Puerto Rico, the Virgin Islands, Guam, and the Pacific Islands. (9... definitions and interpretations promulgated by the Office of the Comptroller of the Currency consistent with... promulgated by the Office of the Comptroller of the Currency pursuant to a rulemaking conducted in accordance...

  11. EBRD wants less foreign currency lending

    Index Scriptorium Estoniae

    2010-01-01

    Euroopa Rekonstruktsiooni- ja Arengupanga aktsionäride kohtumisel otsustati tõsta aktsiakapitali 50% ja lubati toetada programmi, mille käigus aidatakse toorainet ja vähesel määral vääristatud tooteid eksportivaid riike ning ettevõtteid muutuda konkurentsivõimelisemaks. EBRD majandusprognoos

  12. Robots Spur Software That Lends a Hand

    Science.gov (United States)

    2014-01-01

    While building a robot to assist astronauts in space, Johnson Space Center worked with partners to develop robot reasoning and interaction technology. The partners created Robonaut 1, which led to Robonaut 2, and the work also led to patents now held by Universal Robotics in Nashville, Tennessee. The NASA-derived technology is available for use in warehousing, mining, and more.

  13. SHORT-TERM FORECASTING OF MORTGAGE LENDING

    Directory of Open Access Journals (Sweden)

    Irina V. Orlova

    2013-01-01

    Full Text Available The article considers the methodological and algorithmic problems arising in modeling and forecasting of time series of mortgage loans. Focuses on the processes of formation of the levels of time series of mortgage loans and the problem of choice and identification of models in the conditions of small samples. For forecasting options are selected and implemented a model of autoregressive and moving average, which allowed to obtain reliable forecasts.

  14. 75 FR 37525 - Truth in Lending

    Science.gov (United States)

    2010-06-29

    ... 171), over-the- limit transactions (new TILA Section 127(k)), and student cards (new TILA Sections 127... significantly less than the average outstanding balance on active credit card accounts. See id. at 12-13, 31... implement provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009 that go...

  15. 75 FR 12333 - Truth in Lending

    Science.gov (United States)

    2010-03-15

    ... 171), over-the- limit transactions (new TILA Section 127(k)), and student cards (new TILA Sections 127... active credit card accounts. See id. at 12-13, 31. However, it appears that many smaller credit card... regulation in order to implement provisions of the Credit Card Accountability Responsibility and Disclosure...

  16. Lavakad, 23. lend / Eva Kübar

    Index Scriptorium Estoniae

    Kübar, Eva

    2008-01-01

    Eesti Muusika- ja Teatriakadeemia lavakunstikooli XXIII lennu lõpetajatest - näitlejad Marek Tammets, Ago Soots, Agnes Aaliste, Martin Mill, Andres Oja, Juss Haasma, Maarja Mitt, Meelis Põdersoo, Jekaterina Novosjolova, Elina Pähklimägi ja Kristo Viiding, dramaturgid Marion Jõepera, Mart Kase ja Maria Lee Liivak ning lavastajad Robert Annus ja Uku Uusberg

  17. 12 CFR 7.4008 - Lending.

    Science.gov (United States)

    2010-01-01

    ... (except for purposes of service of process), filings, or reports by creditors; (ii) The ability of a creditor to require or obtain insurance for collateral or other credit enhancements or risk mitigants, in...

  18. Risk factors in oil and gas lending

    International Nuclear Information System (INIS)

    David, A.; Kipp, J.M.

    1991-01-01

    This paper reports that with the increasing internationalization of the petroleum industry, lenders to the industry must understand and overcome several new credit risk factors. As a result, new financial products are now available to reserve-based borrowers. Traditional project financing now also may include futures hedging, swaps, and collar elements

  19. Rotangiprints Cobonpue kõrge lend

    Index Scriptorium Estoniae

    2008-01-01

    Ajakiri Wallpaper nimetas filipiinlasest mööblidisaineri Kenneth Cobonpue üheks tänapäeva disaini ikooniks kõrvuti Philippe Starcki ja Antonio Citterioga. Mitmed Kenneth Cobonpue tööd on valitud International Design Yearbook 2002., 2004. ja 2005. aasta väljaannetesse (toimetajad Ross Lovegrove, Tom Dixon, Marcel Wanders)

  20. Page 1 100 ID, D, Pant Howes are taken as correct. We do, however ...

    Indian Academy of Sciences (India)

    No trace of D bands (C of Nichols and Howes) could be detected. The intensities of the A bands in the spectrum of the Sulphate also do not quite agree with ours. Similar deviations have also been found in uranyl potassium sulphate. Comparison of spectra shows that all except the fluoride I spectrum are rather complex.

  1. Supervision of Norwegian nuclear pants 2009-2011; Tilsyn med norske atomanlegg 2009-2011

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2012-07-01

    Institute for Energy Technology (IFE), is responsible for Norway's nuclear power plants in Halden, at Kjeller and Himdalen. NRPA causes continuous supervision of all aspects of the IFE's activities, among other things, nuclear safety, emergency preparedness and emissions. In the period 2009-2011 it has not been any serious incidents at IFE's nuclear power plants.(Author)

  2. Säkerhetsöverlåtelse - pant eller omsättningsköp?

    DEFF Research Database (Denmark)

    Lindskoug, Patrik

    2015-01-01

    I det nyligen publicerade betänkandet SOU 2015:18, Lösöreköp och registerpant, föreslås att traditionsprincipen ska avskaffas och att borgenärsskydd ska tillerkännas en förvärvare redan vid avtal om köp av lösöre respektive en panthavare vid registrering av panträtt i lösöre, i båda fallen oavsett...

  3. La divinidad celeste/solar en el panteón céltico peninsular

    Directory of Open Access Journals (Sweden)

    Rubén Abad Lara

    2008-01-01

    Full Text Available En la Hispania prerromana existió una divinidad suprema con carácter celeste y solar de tipo similar a la que se rindió culto en el resto de la Europa indoeuropea. El análisis de algunas piezas del arte celtibérico, nos revela que esa divinidad principal era representada bajo la forma de un jinete a caballo con lanza. La iconografía muestra que ese dios, uno de cuyos nombres pudo ser Lugus, tomó parte de numerosos mitos que le relacionaban con la guerra, la fertilidad y el mundo funerarioIn preroman Spain there was a supreme divinity with solar and heavenly roles, very similar to the divinities worshiped in the rest of the indoeuropean Europe. The analysis of some celtiberian pieces of art, revealed to us that this principal divinity was depicted in the form of a horseman on his horse and holding a spear. The iconography shows that this God, one of his names could be Lugus, took part in many myths which linked him to war, fertility and the funerary world.

  4. 'Then how can you explain Sgt. Pompous and the Fancy Pants Club Band?'

    DEFF Research Database (Denmark)

    Langkjær, Michael Alexander

    2010-01-01

    for a glorious past, attraction to uniform aesthetics, citing of previous iconic 'warriors of rock,' finding a unique visual 'hook,' reasserting national rock-cultural identity and/or waging uniformed 'warfare' between rock groups. Possible origins of 'rock-military style' are discussed along with its...

  5. WHO WEARS THE PANTS IN THE FAMILY: POWER DISTRIBUTION IN FAMILY CONSUMPTION

    OpenAIRE

    Just, David R.; Heiman, Amir; Zilberman, David

    2000-01-01

    This paper combines the Becker family production model with a cooperative bargaining model to analyze power distribution within the family. Family consumption decisions are often made by one person, but for several people, suggesting traditional decision theory is inadequate. Using data gathered in Israel, we show the significance of family relationships in purchasing behavior.

  6. Managing Change: By the book or the seat of your pants?

    DEFF Research Database (Denmark)

    Jørgensen, Frances; Boer, Harry

    2006-01-01

    Two cases from a Danish manufacturing facility are presented in this paper to illustrate challenges that may arise when attempting to apply theory in practice. In the first case, perceived environmental instability precipitated a change from a functional team design to a product/market design......, this change was based on contingency theory, but this time the environment was classified as stable, where centralization may be prudent. These changes were perceived quite negatively by the teams and attempts to remedy the situation were extremely costly and stressful.   The authors suggest a number...... of possible explanations for why "the book" did not always provide the guidance and direction needed to make these changes successful. For example, we propose that, as humans, we are probably not capable of seeing a situation for all angles or including all important contingencies into consideration when...

  7. Consumption, Health, and Disposability in "SpongeBob SquarePants"

    Science.gov (United States)

    Piatti-Farnell, Lorna

    2015-01-01

    In recent years, food scholarship has extended its preoccupation with consumption to interrogating the relationship between eating, culture and waste, and their effects on the environment. Simultaneously, food-related concerns have also become a recurrent part of popular culture, where examples from children's television provide fertile ground for…

  8. 'Then how can you explain Sgt. Pompous and the Fancy Pants Club Band?'

    DEFF Research Database (Denmark)

    Langkjær, Michael Alexander

    2010-01-01

    Why do rock performers wear military uniforms? The motive is generally assumed to be 'transgressively subversive.' However, when looking more closely at particular performers and groups, this is found to be far from always the case in as much as motives include pride in being a veteran, nostalgia...

  9. Edward Albee and Arthur Kopit: Look Who’s Wearing the Pants!

    Directory of Open Access Journals (Sweden)

    Andra AGAFIȚEI

    2014-12-01

    Full Text Available The aim of this paper is, on the one hand, to make the readers acquainted with the realities of the twentieth century American family, as perceived by the two American playwrights, and, on the other hand, to underline the unusual phenomena that have been brought by the changing dynamics of the family relationships. All the five plays under discussion—All Over, A Delicate Balance, The American Dream, The Sandbox by Edward Albee, and Oh Dad, Poor Dad, Mamma's Hung You in the Closet and I'm Feelin’ So Sad by Arthur Kopit — present situations in which the female characters seem to have become the leader, taking the place of the head of the family, of the pater familias. They stop acting like loving mothers and wives, they forget to take care of their families; instead, they lock away their hearts and assume the part of some sort of tyrant: they control everyone and everything in the house, their word being the equivalent of a rule. The female characters are endowed with masculine traits, whereas the male characters are emasculated, effeminate, deprived of any kind of power. The purpose of the paper is to demystify the myth of the ideal, perfect American family,to make the readers realize that the image that has been presented to the non-American public is, in the twentieth century, nothing but a disguise. Our goal is to display the image of the new American family hoping that, in doing so, we will succeed in making the readers realize the fact that human relationships, especially the ones within the family, need to be re-established on a deeper and more meaningful level.

  10. Discussion on the operation of quality management system in general agent of nuclear pants

    International Nuclear Information System (INIS)

    Ji Cunxing; Ran Muzi; Shi Lei; Cui Hannan; Wang Gang; Hou Yanli; Li Qilong

    2010-01-01

    In view of some questions encountered in operation process of quality management system in general agent of nuclear plants of CNNC China Nuclear Power Engineering Co., Ltd. Discussion is made on the questions from four aspect, which should be paid attentions in operation and improvement in order to perfect enterprise management system, increase management level, competitive power to ensurereliable and stable incomes for enterprises. (authors)

  11. Edu pant : hea tervis ja valikuliselt vilets mälu / Valner Valme

    Index Scriptorium Estoniae

    Valme, Valner, 1970-

    2003-01-01

    Ilmunud ka: Den za Dnjom 17. jaanuar lk. 8-9. ENSV tippkommunistide tegevusest ENSV ajal ja Eesti Vabariigis. Vastused ajalehe küsimustele: Bruno Saul, Gustav Tõnspoeg, Jaak Allik, Väino Viilup, Rein Sillar, Indrek Toome, Rein Ristlaan

  12. Plast- ja metalltaara pant võtab väikekaupmeestelt vaba raha / Andrus Karnau

    Index Scriptorium Estoniae

    Karnau, Andrus

    2005-01-01

    Eesti Pandipakend maksab poodnikele plastpudelite ja metallpurkide eest alles paari kuu möödudes. Juunis kokku ostetud taara eest on ettevõtjail lootust raha saada alles augustis, makseaega venitab taara loendamine. Lisa: Taarat koguvad kolm ettevõtet

  13. The year without pants WordPress.com and the future of work

    CERN Document Server

    Berkun, Scott

    2013-01-01

    A behind-the-scenes look at the firm behind WordPress.com and the unique work culture that contributes to its phenomenal success 50 million websites, or twenty percent of the entire web, use WordPress software. The force behind WordPress.com is a convention-defying company called Automattic, Inc., whose 120 employees work from anywhere in the world they wish, barely use email, and launch improvements to their products dozens of times a day. With a fraction of the resources of Google, Amazon, or Facebook, they have a similar impact on the future of the Internet. How is this possible? What's dif

  14. Managing change: By the book or the seat of your pants

    DEFF Research Database (Denmark)

    Jørgensen, Frances; Boer, Harry

    2006-01-01

    . Contingency theory suggests that product oriented teams should provide greater flexibility in turbulent environments and this is what happened here. The teams became more customer-service oriented, motivated, and satisfied. Later reevaluation of the environment suggested increased stability, so the teams were......, this change was based on contingency theory, but this time the environment was classified as stable, where centralization may be prudent. These changes were perceived quite negatively by the teams and attempts to remedy the situation were extremely costly and stressful.   The authors suggest a number...

  15. Piece2.0: an update for the pant gene structure comparison and evolution database

    Science.gov (United States)

    PIECE (Plant Intron Exon Comparison and Evolution) is a web-accessible database that houses intron and exon information of plant genes. PIECE serves as a resource for biologists interested in comparing intron–exon organization and provides valuable insights into the evolution of gene structure in pl...

  16. Two new octahedral/pyramidal frameworks containing both cation channels and lone-pair channels: syntheses and structures of Ba2MnIIMn2III(SeO3)6 and PbFe2(SeO3)4

    International Nuclear Information System (INIS)

    Johnston, Magnus G.; Harrison, William T.A.

    2004-01-01

    The hydrothermal syntheses, single crystal structures, and some properties of Ba 2 Mn II Mn 2 III (SeO 3 ) 6 and PbFe 2 (SeO 3 ) 4 are reported. These related phases contain three-dimensional frameworks of vertex (FeO 6 ) and vertex/edge linked (MnO 6 ) octahedra and SeO 3 pyramids. In each case, the MO 6 /SeO 3 framework encloses two types of 8 ring channels, one of which encapsulates the extra-framework cations and one of which provides space for the Se IV lone pairs. Crystal data: Ba 2 Mn 3 (SeO 3 ) 6 , M r =1201.22, monoclinic, P2 1 /c (No. 14), a=5.4717 (3)A, b=9.0636 (4)A, c=17.6586 (9)A, β=94.519 (1) o , V=873.03 (8)A 3 , Z=2, R(F)=0.031, wR(F 2 )=0.070; PbFe 2 (SeO 3 ) 4 , M r =826.73, triclinic, P1-bar (No. 2), a=5.2318 (5)A, b=6.7925 (6)A, c=7.6445 (7)A, α=94.300 (2) o , β=90.613 (2) o , γ=95.224 (2) o , V=269.73 (4)A 3 , Z=1, R(F)=0.051, wR(F 2 )=0.131

  17. 3D skin length deformation of lower body during knee joint flexion for the practical application of functional sportswear.

    Science.gov (United States)

    Choi, Jiyoung; Hong, Kyunghi

    2015-05-01

    With the advent of 3D technology in the design process, a tremendous amount of scanned data is available. However, it is difficult to trace the quantitative skin deformation of a designated location on the 3D body surface data during movement. Without identical landmarks or reflective markers, tracing the same reference points on the different body postures is not easy because of the complex shape change of the body. To find the least deformed location on the body, which is regarded as the optimal position of seams for the various lengths of functional compression pants, landmarks were directly marked on the skin of six subjects and scanned during knee joint flexion. Lines of non-extension (LoNE) and maximum stretch (LoMS) were searched for, both by tracing landmarks and newly drawn guidelines based on ratio division in various directions. Considering the waist as the anchoring position of the pants, holistic changes were quantified and visualized from the waistline in lengthwise and curvilinear deformation along the dermatomes of the lower body for various lengths of pants. Widthwise and unit area skin deformation data of the skin were also provided as guidelines for further use such as streamlined pants or design of other local wearing devices. Copyright © 2014 Elsevier Ltd and The Ergonomics Society. All rights reserved.

  18. The Lone Ranger, Superman, George Hathaway, and successful leadership.

    Science.gov (United States)

    Pryse, Lisa B

    2011-01-01

    The author explains how these two childhood heroes taught lessons that were meaningful when she assumed leadership roles in law enforcement and security and expands these lessons to "invigorate the passion" which she says is necessary to continue to strive for excellence in leadership.

  19. Educating Lone Wolves: Pedagogical Implications of Human Capital Theory.

    Science.gov (United States)

    Baptiste, Ian

    2001-01-01

    Educational practices based on human capital theory are unlikely to alleviate social inequities because the theory views people as isolated materialists driven by desire for goods and security. It assumes an educational meritocracy in which socioeconomic status is limited only by educational investment, and more educated people are presumed to be…

  20. "Lone Wolves" and Collaboration: A Reply to Crippen & Robinson (2013)

    Science.gov (United States)

    Bowern, Claire; Warner, Natasha

    2015-01-01

    In this reply to Crippen & Robinson's (2013) contribution to "Language Documentation & Conservation," we discuss recent perspectives on "collaborative" linguistics and the many roles that linguists play in language communities. We question Crippen & Robinson's characterization of the state of the field and their…

  1. The Tuskegee Airmen: Combat Motivation of the Lonely Eagles

    Science.gov (United States)

    2010-03-01

    hero worship, and 24/7 news media outlets that spoon - feed predigested bits of information, the public has stopped thinking critically about the...exploits of popular black fliers like Bessie Coleman and Hubert Julian. By age ten, he tells readers, he routinely skipped school to hang out at a

  2. Hot Jupiters Aren't As Lonely As We Thought

    Science.gov (United States)

    Kohler, Susanna

    2016-01-01

    The Friends of Hot Jupiters (FOHJ) project is a systematic search for planetary- and stellar-mass companions in systems that have known hot Jupiters short-period, gas-giant planets. This survey has discovered that many more hot Jupiters may have companions than originally believed.Missing FriendsFOHJ was begun with the goal of better understanding the systems that host hot Jupiters, in order to settle several longstanding issues.The first problem was one of observational statistics. We know that roughly half of the Sun-like stars nearby are in binary systems, yet weve only discovered a handful of hot Jupiters around binaries. Are binary systems less likely to host hot Jupiters? Or have we just missed the binary companions in the hot-Jupiter-hosting systems weve seen so far?An additional issue relates to formation mechanisms. Hot Jupiters probably migrated inward from where they formed out beyond the ice lines in protoplanetary disks but how?This median-stacked image, obtained with adaptive optics, shows one of the newly-discovered stellar companions to a star hosting a hot Jupiter. The projected separation is ~180 AU. [Ngo et al. 2015]Observations reveal two populations of hot Jupiters: those with circular orbits aligned with their hosts spins, and those with eccentric, misaligned orbits. The former population support a migration model dominated by local planet-disk interactions, whereas the latter population suggest the hot Jupiters migrated through dynamical interactions with distant companions. A careful determination of the companion rate in hot-Jupiter-hosting systems could help establish the ability of these two models to explain the observed populations.Search for CompanionsThe FOHJ project began in 2012 and studied 51 systems hosting known, transiting hot Jupiters with roughly half on circular, aligned orbits and half on eccentric, misaligned orbits. The survey consisted of three different, complementary components:Study 1Lead author: Heather Knutson (Caltech)Technique: Long-term radial velocity monitoringSearching for: Planetary companions at 120 AU from the starStudy 2Lead author: Henry Ngo (Caltech)Technique: Adaptive-optics imagingSearching for: Stellar companions at 502000 AU from the starStudy 3Lead author: Danielle Piskorz (Caltech)Technique: SpectroscopySearching for: Any additional stellar companions at 125 AU from the starThe companion fraction found within Study 2, the adaptive-optics imagine search. The three curves show the total, the systems with hot Jupiters on aligned and circular orbits, and those with hot Jupiters on misaligned and eccentric orbits. [Ngo et al. 2015]Migration ImplicationsUsing these three different techniques, the team found a significant number of both planetary and stellar companions that had not been previously detected. After correcting their results for completeness, they found a multiple-star rate of ~50% for these systems, resolving the problem of the missing companions. So really, we just werent looking hard enough for the companions previously.Intriguingly, the binary companion rate found for these hot Jupiter systems is higher than the average rate for the field stars (which is below 25% for the semimajor-axis range the FOHJ studies are sensitive to). This suggests that companion stars may indeed play a role in hot Jupiter formation and migration.That said, none of the three studies found a significant difference in the binary fraction for aligned versus misaligned hot Jupiters which means that the answer is not as simple as thought, with companion stars causing the misaligned planets. Thus, while hot Jupiters friends may play a role in their formation and migration, we still have work to do in understanding what that role is.CitationDanielle Piskorz et al 2015 ApJ 814 148. doi:10.1088/0004-637X/814/2/148Henry Ngo et al 2015 ApJ 800 138. doi:10.1088/0004-637X/800/2/138Heather A. Knutson et al 2014 ApJ 785 126. doi:10.1088/0004-637X/785/2/126

  3. Vatican is lone opponent of world conference's compromises on abortion.

    Science.gov (United States)

    1994-09-07

    Three years in the making, the draft program of action of the 1994 International Conference on Population and Development sets nonbinding policy guidelines to contain the world's population at 7.27 billion in 2015. Although the Vatican was pleased to see Pakistan put forward a compromise formula developed to appease Catholic and Muslim objectors of abortion, the Church was unprepared to accept the compromise immediately and requested further discussion. The Vatican's rejection drew a strong chorus of vocal disapproval from other conference delegates. Even Iran accepted the draft as a "perfect text," while Sweden grudgingly accepted it as a "rock-bottom compromise." With no Catholic countries objecting to the compromise, the Vatican stood alone in its refusal to compromise with the rest of the world's leaders and peoples. Germany, speaking for the European Union, warned that enough concessions had already been made. The rationale for Vatican opposition was unclear since the section explicitly rejects abortion as a means of family planning and urges countries to minimize both the incidence of unsafe abortion and abortion overall by improving family planning. Prevention of unwanted pregnancies must be given highest priority and women should have ready access to compassionate counselling, with abortion never promoted as a means of family planning. Moreover, there is no longer a reference to sexual health education, a plea to governments to review their laws and policies on abortion, and a call to consider women's health rather than relying upon criminal codes and punitive measures. Participants said the Vatican objected to a phrase stating that abortions, where legal, should be safe, while the Church representative argued that any suggestion that abortion is safe contradicts church doctrine on the sanctity of life.

  4. Abnormal atrial activation in young patients with lone atrial fibrillation

    DEFF Research Database (Denmark)

    Holmqvist, Fredrik; Olesen, Morten S; Tveit, Arnljot

    2011-01-01

    Aims Patients with a history of atrial fibrillation (AF) have previously been shown to have altered atrial conduction, as seen non-invasively using signal-averaged P-wave analysis. However, little is known about the P-wave morphology in patients in the early phases of AF with structurally normal ...

  5. Chandra's Find of Lonely Halo Raises Questions About Dark Matter

    Science.gov (United States)

    2004-10-01

    Dark matter continues to confound astronomers, as NASA's Chandra X-ray Observatory demonstrated with the detection of an extensive envelope of dark matter around an isolated elliptical galaxy. This discovery conflicts with optical data that suggest a dearth of dark matter around similar galaxies, and raises questions about how galaxies acquire and keep such dark matter halos. The observed galaxy, known as NGC 4555, is unusual in that it is a fairly large, elliptical galaxy that is not part of a group or cluster of galaxies. In a paper to be published in the November 1, 2004 issue of the Monthly Notices of the Royal Astronomical Society, Ewan O'Sullivan of the Harvard-Smithsonian Center for Astrophysics in Cambridge, MA and Trevor Ponman of the University of Birmingham, United Kingdom, use the Chandra data to show that the galaxy is embedded in a cloud of 10-million-degree-Celsius gas. X-ray/Optical Composite of NGC 4555 X-ray/Optical Composite of NGC 4555 This hot gas cloud has a diameter of about 400,000 light years, about twice that of the visible galaxy. An enormous envelope, or halo, of dark matter is needed to confine the hot cloud to the galaxy. The total mass of the dark matter halo is about ten times the combined mass of the stars in the galaxy, and 300 times the mass of the hot gas cloud. A growing body of evidence indicates that dark matter - which interacts with itself and "normal" matter only through gravity - is the dominant form of matter in the universe. According to the popular "cold dark matter" theory, dark matter consists of mysterious particles left over from the dense early universe that were moving slowly when galaxies and galaxy clusters began to form. "The observed properties of NGC 4555 confirm that elliptical galaxies can posses dark matter halos of their own, regardless of their environment," said O'Sullivan. "This raises an important question: what determines whether elliptical galaxies have dark matter halos?" DSS Optical Image of NGC 4555 DSS Optical Image of NGC 4555 Most large elliptical galaxies are found in groups and clusters of galaxies, and are likely the product of the merger of two spiral galaxies. In such an environment, the dark matter halos can be stripped away by gravitational tidal force and added to other galaxies or the group as a whole. Therefore, it is difficult to determine how much dark matter the original galaxies had, and how much they have lost to the group as a whole through interactions with their environment. The importance of the issue of the intrinsic amount of dark matter associated with an elliptical galaxy has recently increased owing to a report by an international team of astronomers led by Aaron Romanowsky of the University of Nottingham, United Kingdom. This team found little, if any evidence of dark matter in three relatively nearby elliptical galaxies. Two of these were in loose galaxy groups, and one was isolated. Their result, based on optical data from the 4.2 meter William Herschel Telescope on the Spanish island of La Palma, is in clear conflict with the X-ray data on NGC 4555. The optical technique used to search for dark matter in the nearby elliptical galaxies could not be applied to NGC 4555 because it is more than 3 times as far away from Earth. 2MASS Infrared Image of NGC 4555 2MASS Infrared Image of NGC 4555 Either the galaxies observed by Romanowsky and colleagues have lost their dark matter halos through earlier interactions with other galaxies, or their dark matter halos are much more extended, or they formed without dark matter halos. The first option is possible for the galaxies in groups, but very unlikely for the isolated galaxy. The second and third options are still open, but would require a modification - perhaps a major modification - of the cold dark matter theory of galaxy formation. "This is clearly a question which deserves further consideration," said O'Sullivan. "It seems likely that much more theoretical and observational work on elliptical galaxies will be required before this issue can be resolved." Chandra observed NGC 4555 with its Advanced CCD Imaging Spectrometer (ACIS) in February 2003. NASA's Marshall Space Flight Center, Huntsville, Ala., manages the Chandra program for NASA's Office of Space Science, Washington. Northrop Grumman of Redondo Beach, Calif., formerly TRW, Inc., was the prime development contractor for the observatory. The Smithsonian Astrophysical Observatory controls science and flight operations from the Chandra X-ray Center in Cambridge, Mass. Additional information and images are available at: http://chandra.harvard.edu and http://chandra.nasa.gov

  6. [Paul Cézanne, the lonely precursor of modern painting].

    Science.gov (United States)

    Miranda, Marcelo

    2017-04-01

    Paul Cézanne is an acknowledged pioneer of modern painting. His work was poorly recognized during most of his solitary life. He progressively withdrew from people and society during his life, in part due to his introverted personality and a supreme effort to obtain a unique form of expression of his art, in which nature and its inner secrets played a pivotal role. In this review, we discuss aspects of his life and art, his pathological personal relationships and how they influenced his transcendental work.

  7. [Lone atrial fibrillation--relevance for medical underwriting].

    Science.gov (United States)

    Filzmaier, K

    2013-09-01

    Atrial fibrillation is a common and multifaceted cardiac arrhythmia. At present rhythm and rate control can be considered equal regarding morbidity and mortality. Following scientific findings in the past years new therapeutic strategies and treatment options were developed. Therefore, a decision must be made not only between rate and rhythm control but also between the different antithrombotic drug regimes. Oral thrombin and factor X inhibitors herald a new era in antithrombotic therapy. The lack of necessity for routine INR monitoring certainly constitutes one of the greatest advantages of these novel agents in everyday clinical practice. Pulmonary vein isolation is a catheter-based treatment option for atrial fibrillation enabling the cure of arrhythmias for many patients--despite the high rate of recurrence. Many of these new therapeutical options lack long-term findings and previous successes are to be regarded with certain prudence.

  8. Would You Know a Lonely Student If You Saw One?

    Science.gov (United States)

    Booth, Richard

    1985-01-01

    Argues that higher education fails to address the problem of college student loneliness. Discusses loneliness and its causes, hazards, misunderstood nature, and definition. Explores culture's role in promoting loneliness through values emphasizing competition, mobility, and electronic devices. Offers instructors suggestions for helping lonely…

  9. a Faint and Lonely Brown Dwarf in the Solar Vicinity

    Science.gov (United States)

    1997-04-01

    Discovery of KELU-1 Promises New Insights into Strange Objects Brown Dwarfs are star-like objects which are too small to become real stars, yet too large to be real planets. Their mass is too small to ignite those nuclear processes which are responsible for the large energies and high temperatures of stars, but it is much larger than that of the planets we know in our solar system. Until now, very few Brown Dwarfs have been securely identified as such. Two are members of double-star systems, and a few more are located deep within the Pleiades star cluster. Now, however, Maria Teresa Ruiz of the Astronomy Department at Universidad de Chile (Santiago de Chile), using telescopes at the ESO La Silla observatory, has just discovered one that is all alone and apparently quite near to us. Contrary to the others which are influenced by other objects in their immediate surroundings, this new Brown Dwarf is unaffected and will thus be a perfect object for further investigations that may finally allow us to better understand these very interesting celestial bodies. It has been suggested that Brown Dwarfs may constitute a substantial part of the unseen dark matter in our Galaxy. This discovery may therefore also have important implications for this highly relevant research area. Searching for nearby faint stars The story of this discovery goes back to 1987 when Maria Teresa Ruiz decided to embark upon a long-term search (known as the Calan-ESO proper-motion survey ) for another type of unusual object, the so-called White Dwarfs , i.e. highly evolved, small and rather faint stars. Although they have masses similar to that of the Sun, such stars are no larger than the Earth and are therefore extremely compact. They are particularly interesting, because they most probably represent the future end point of evolution of our Sun, some billions of years from now. For this project, the Chilean astronomer obtained large-field photographic exposures with the 1-m ESO Schmidt telescope at La Silla, each covering a sky area of 5 o.5 x 5 o.5. When comparing plates of the same sky field obtained at time intervals of several years [1] , she was able to detect, among the hundreds of thousands of stellar images on the plates, a few faint ones whose positions had changed a little in the meantime. The search technique is based on the fact that such a shift is a good indicator of the object being relatively nearby. It must therefore also be intrinsically faint, i.e. a potential White Dwarf candidate. On every pair of plates, approximately twenty faint moving objects were detected with proper motions [2] of more than 0.25 arcsec per year. Indeed, follow-up spectroscopic observations showed that about 20 percent of these or about four per plate were White Dwarfs. Until now, a total of forty new White Dwarfs have been discovered during this very successful project, i.e. over ten times more than originally expected. And then - a Brown Dwarf! Caption to ESO PR Photo 11/97 [JPEG, 144k] ESO Press Photo 11/97 When checking two plates with a time inverval of 11 years, Maria Teresa Ruiz earlier this year discovered a very faint object in the southern constellation of Hydra (The Water-Snake), moving at 0.35 arcsec per year (cf. ESO Press Photo 11/97). In order to establish its true nature, she obtained its spectrum (in the visual to near-infrared region from wavelengths 450-1000 nm) on March 15 using the ESO 3.6-m telescope and the EFOSC1 spectrograph. Caption to ESO PR Photo 12/97 [GIF, 35k] ESO Press Photo 12/97 To her great surprise, the spectrum was of a type never seen before and certainly not that of a White Dwarf or any other easily identifiable type of star (cf. ESO Press Photo 12/97). In particular, there were no signs of spectral bands of titanium oxide (TiO) or vanadium oxide (VO) which are common in very cool stars, nor of the spectral lines seen in White Dwarfs. On the other hand, an absorption line of the short-lived element lithium was identified, as well as a hydrogen line in emission. However, when the colour of this mysterious object was measured in different wavebands, it was found to be very red and quite similar to that of one of the two known Brown Dwarfs in double star systems. The presence of the lithium line in the spectrum is also an indication that it might be of that type. The astronomer now decided to give the new object the name KELU-1 ; this word means `red' in the language of the Mapuche people, the ancient population in the central part of Chile. Its visual magnitude is 22.3, i.e. more than 3 million times fainter than what can be seen with the unaided eye. In early April, additional infrared observations with the UKIRT (UK Infrared Telescope) on Mauna Kea (Hawaii) by Sandra K. Leggett (Joint Astrophysical Centre, Hilo, Hawaii, USA) confirmed the Brown Dwarf nature of KELU-1, in particular through the unambiguous detection of Methane (CH 4 ) bands in its spectrum. The nature of Brown Dwarfs Brown Dwarfs are first of all characterised by their low mass. When a body of such a small mass is formed in an interstellar cloud and subsequently begins to contract, its temperature at the centre will rise, but it will never reach a level that is sufficient to ignite the nuclear burning of hydrogen to helium, the process that it is main source of energy in the Sun and most other stars. The Brown Dwarf will just continue to contract, more and more slowly, and it will eventually fade from view. This is also the reason that some astronomers consider Brown Dwarfs in the Milky Way and other galaxies as an important component of the `dark matter' whose presence is infered from other indirect measurements but has never been directly observed. It is assumed that the mass limit that separates nuclear-burning stars and slowly contracting Brown Dwarfs is at about 90 times the mass of the giant planet Jupiter, or 8 percent of that of the Sun. KELU-1: a great opportunity for Brown Dwarf studies Assuming that KELU-1 is identical to other known Brown Dwarfs, its measured characteristics indicate that it must be located at a distance of only 10 parsecs, that is about 33 light-years, from the solar system. Its temperature is obviously below 1700 degrees C (where TiO and VO condense as dust grains [3] so that the spectral lines of these molecules are no longer seen). Its mass can be no more than 75 times that of Jupiter, or 6 percent of that of the Sun. During recent years, several Brown Dwarf candidates have been de-masked as low-mass stars and only recently a few Brown Dwarfs were identified in the Pleiades star cluster. Those Brown Dwarfs are quite young and therefore comparatively hotter and brighter. Contrarily, KELU-1 is most probably somewhat older and its unique location so close to us greatly facilitates future investigations. Moreover, it is not at all `disturbed' by the presence of other objects in its immediate surroundings, as this is the case for all other known objects of this type. It will now be important to obtain accurate measurements of KELU-1's parallax , that is, the small annual change of its position in the sky that is caused by the Earth's motion around the Sun and thus the viewing angle of an Earth-based observer. This should be possible within the next year. Moreover, high resolution spectral investigations with large telescope facilities, soon to include the ESO Very Large Telescope at the Paranal observatory in northern Chile, will now for the first time enable us to investigate the processes that take place in the relatively cold upper layers of Brown Dwarfs. For instance, the observed presence of lithium shows that its atmosphere must be different from that of low-mass stars. KELU-1 and the `Dark Matter' From the fact that KELU-1 is so faint that it was barely detectable on the ESO Schmidt plates, it is possible to estimate that the total volume so far surveyed for this type of objects by this research programme is rather small, only about 23 cubic parsecs (800 cubic light-years). A further consideration of the search statistics indicates that less than 10 percent of the Brown Dwarfs present in the surveyed volume would have been found. This translates into a local density of about 0.4 such objects per cubic parsec. Although the mass density of Brown Dwarfs derived from this estimate is insufficient to constitute all the `dark matter' in the Milky Way Galaxy, it is consistent with the most recent estimates of the local mass density, both observed and as infered from dynamical considerations of the motions of stars in the solar neighborhood. Notes: [1] This is done by means of a so-called blink-comparator , an optical device in which the two plates are placed. A tilting mirror allows to view the same sky field alternately on the two plates. Any celestial object that has changed its position will appear to `jump' back and forth and can thus be identified. [2] A proper motion in the sky of 0.25 arcsec/year corresponds to a transversal speed of about 12 km/sec if the object is located at a distance of 10 parsec, or 32.6 light-years. The largest known proper motion of an object outside the solar system is that of Barnard's Star at about 10 arcsec/year. [3] For instance, as the mineral perovskite . How to obtain ESO Press Information ESO Press Information is made available on the World-Wide Web (URL: http://www.eso.org../). ESO Press Photos may be reproduced, if credit is given to the European Southern Observatory.

  10. A priori physicalism, lonely ghosts and Cartesian doubt.

    Science.gov (United States)

    Goff, Philip

    2012-06-01

    A zombie is a physical duplicates of a human being which lacks consciousness. A ghost is a phenomenal duplicate of a human being whose nature is exhausted by consciousness. Discussion of zombie arguments, that is anti-physicalist arguments which appeal to the conceivability of zombies, is familiar in the philosophy of mind literature, whilst ghostly arguments, that is, anti-physicalist arguments which appeal to the conceivability of ghosts, are somewhat neglected. In this paper I argue that ghostly arguments have a number of dialectical advantages over zombie arguments. I go onto explain how the conceivability of ghosts is inconsistent with two kinds of a priori physicalism: analytic functionalism and the Australian physicalism of Armstrong and Lewis. Copyright © 2011 Elsevier Inc. All rights reserved.

  11. Grab them by the Nose and Kick them in the Pants: Patton on Combined Arms Operational Maneuver

    Science.gov (United States)

    2010-04-23

    in order to break through the hedgerows and into the city of A vranches and the plains of Brittany commenced on 25 July 1944. Patton may not have...operational maneuver. Much like the trenches of World War I, the formidable hedgerows in France favored the defender and prevented maneuver. Yet Patton was

  12. Francofemme Duality (Luce Irigaray-Hélène Cixous) the Many Faces of Womanhood in Pantelis Voulgaris' Brides

    OpenAIRE

    CHRISTOS STAVROU

    2016-01-01

    Luce Irigaray and Hélène Cixous dealt with issues of female writing and femininity in art and have gained international respect and recognition for their work. In fact, their theories constitute a framework for the comprehension of gender issues. It is commonly accepted that the reflection of womanhood in contemporary art has undergone various changes. According to these two french feminists, women have been always struggling against male superiority and male vision of the world. This inequal...

  13. [Cardiovascular recovery during intermittent exercise in highly-adherent partic pants with hypertension and type 2 diabetes mellitus].

    Science.gov (United States)

    Cano-Montoya, Johnattan; Álvarez, Cristian; Martínez, Cristian; Salas, Andrés; Sade, Farid; Ramírez-Campillo, Rodrigo

    2016-09-01

    Despite the evidence supporting metabolic benefits of high intensity interval exercise (HIIT), there is little information about the cardiovascular response to this type of exercise in patients with type 2 diabetes (T2D) and hypertension (HTA). To analyze the changes in heart rate at rest, at the onset and at the end of each interval of training, after twelve weeks of a HIIT program in T2D and HTA patients. Twenty-three participants with T2D and HTA (20 women) participated in a controlled HIIT program. Fourteen participants attended 90% of more session of exercise and were considered as adherent. Adherent and non-adherent participants had similar body mass index (BMI), and blood pressure. A “1x2x10” (work: rest-time: intervals) HIIT exercise protocol was used both as a test and as training method during twelve weeks. The initial and finishing heart rate (HR) of each of the ten intervals before and after the intervention were measured. After twelve weeks of HIIT intervention, adherent participants had a significant reduction in the heart rate at the onset of exercise, and during intervals 4, 5, 8 and 10. A reduction in the final heart rate was observed during intervals 8 and 10. In the same participants the greatest magnitude of reduction, at the onset or end of exercise was approximately 10 beats/min. No significant changes in BMI, resting heart rate and blood pressure were observed. A HIIT program reduces the cardiovascular effort to a given work-load and improves cardiovascular recovery after exercise.

  14. An improved, simple, inexpensive and highly flexible hydroponic setup for root mitochondria isolation from arabidopsis and nicotiana pants

    International Nuclear Information System (INIS)

    Hameed, M. W.; Udddin, A.

    2015-01-01

    Hydroponic setups are frequently developed and improved as they are convenient platforms for studying whole plant physiology. Mostly, the available systems produce small amounts of plant material and are therefore, unsuitable for studies requiring large quantities of plant material like isolation of mitochondria. To address this issue, we have modified a hydroponic setup that can sustain hundreds of Arabidopsis and tobacco plants until adult plants are established. The setup is very flexible and easy to construct. It is based on the use of recyclable and sterilizable plastic-net-pots and media containers, which are easily available from the local suppliers. The modified seed-pots and styrofoam sheets facilitate the transfer and harvesting of seedlings. We have used the Percoll based two-step density gradient centrifugation method for the isolation of root mitochondria from the hydroponically grown plants. (author)

  15. On the stereochemistry of lone pair electrons in compounds with tetravalent tellurium: Distorted TeCl/sub 6//sup 2-/-octahedron in (H/sub 3/N(CH/sub 2/)/sub 3/NH/sub 3/)TeCl/sub 6/, regular octahedral anion in (H/sub 3/N(CH/sub 2/)/sub 3/NH/sub 3/)SnCl/sub 6/

    Energy Technology Data Exchange (ETDEWEB)

    Abriel, W.; Friedrich, C.

    1985-12-01

    Using 293 K diffractometer intensity data, the structures of (H/sub 3/N(CH/sub 2/)/sub 3/NH/sub 3/)TeCl/sub 6/ and (H/sub 3/N(CH/sub 2/)/sub 3/NH/sub 3/)SnCl/sub 6/ have been determined by single crystal X-ray technique and refined to a final R/sub w/ of 0.027 and 0.029, respectively. The yellow crystals of the tellurate are orthorhombic (space group Pnma) with a=22.952(2), b=7.5414(4), c=7.801(1) A and Z=4. This structure contains distorted TeCl/sub 6//sup 2-/ octahedra (distances Te-Cl min. 2.426(1), max. 2.672(1) A) with approximate 2 mm point symmetry. In contrast, the SnCl/sub 6//sup 2-/ ion in the second title compound is octahedral with only small deviations from m 3 m symmetry (distances Sn-Cl mean: 2.438(3) A). The colourless crystals of this tin compound are orthorhombic (space group Pnma) with a=17.6082(9), b=7.1809(3), c=10.190(1) A and Z=4. Considering the TeX/sub 6//sup 2-/ (X=Cl, Br, I) salts known to data, a distorted species is an exception, although a distortion is predicted by the VSEPR theory. The results agree with the rules for the appearance of a static stereochemical effect of the lone pair electrons in the TeX/sub 6//sup 2-/ species.

  16. A survey of the lone pair effect on the ring geometry of 1,2,4-triazoles and analogous 1,2,3-triazoles and imidazoles. The structures of 1-methyl-5-amino-3-methylthio-1,2,4-triazole, 1-phenyl-5-amino-3-methylthio-1,2,4-triazole and 1-(4-methylbenzyl)-3-amino-5-methylthio-1,2,4-triazole

    Science.gov (United States)

    Kálmán, A.; Argay, Gy.

    1983-11-01

    The structures of the title compounds have been established by X-ray crystallography from diffractometer data. Crystals of the first ( I), C 4H 8N 4S, are monoclinic, space group P2 1/ c, with a = 8.166(2), b = 10.481(1), c = 8.585(1) Å, β = 109.33(2)°, Z = 4, D c = 1.381 g cm -3. Crystals of the second ( II), C 9H 10N 4S, are monoclinic, space group P2 1/ c, with a = 11.850(4), b = 7.898(1), c = 23.981 (6) Å, β = 117.23(2)°, Z = 8, D c = 1.373 g cm -3. Crystals of the third ( III), C 11H 14N 4S 1 are also monoclinic, space group P2 1/ c with a = 12.829(3), b = 8.348(1), c = 11.088(4) Å, β = 94.40(4)°, Z = 4, Dc = 1.314 g cm -3. The structures, determined by direct methods ( I, III) and Patterson synthesis ( II) were refined to R = 0.039 for 1070 reflections of I, R = 0.040 for 2792 reflections of II and R = 0.041 for 1900 reflections of III. The characteristic features of the planar five-membered rings are studied in comparison with the analogous 1,2,3-triazoles and imidazoles. It is shown that these planar rings exhibit only two patterns of the endocyclic bond angles induced dominantly by the number and relative position of the N-lone pairs. A similar effect of the double bonds (attached to C atoms) is also discussed.

  17. Lending a helping hand: toward novel assistive robotic arms

    NARCIS (Netherlands)

    Groothuis, Stefan; Stramigioli, Stefano; Carloni, Raffaella

    Assistive robotics is an increasingly popular research field, which has led to a large number of commercial and noncommercial systems aimed at assisting physically impaired or elderly users in the activities of daily living. In this article, we propose five criteria based on robotic arm usage

  18. The Impact of Financial Liberalization: Interest Rates and Lending ...

    African Journals Online (AJOL)

    The experience with financial liberalization is rather mixed. There are success stories and there are cases of failure. However financial sector liberalization school predicts improved performance if there is right sequencing of the reform programme. Increased savings following from increased positive interest rates, increased ...

  19. 75 FR 58469 - Regulation Z; Truth in Lending

    Science.gov (United States)

    2010-09-24

    ... that creditors will have the guidance they need and the time to implement it by January 30, 2011, as..., creditors may, but need not, include insurance premiums excluded from the finance charge under Sec. 226.4(d... information about interest rates and payments in the form of a table, and creditors are not permitted to...

  20. 76 FR 79767 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2011-12-22

    ... categories of creditors will need to make one-time revisions to certain credit and charge card disclosure... include the agency name and docket number or Regulatory Information Number (RIN) for this rulemaking. In... include sensitive personal information, such as account numbers or social security numbers. The Bureau...

  1. 77 FR 69738 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2012-11-21

    ... by the consumer at or before loan consummation exceed the greater of $400 or 8 percent of the total... additional disclosures for loans secured by a consumer's home, and permits consumers to cancel certain... and fees payable by the consumer at or before loan closing exceed the greater of $400 or 8 percent of...

  2. Bank lending strategy, credit scoring and financial crises

    NARCIS (Netherlands)

    Dinh, T.H.T.; Kleimeier, S.; Straetmans, S.T.M.

    2013-01-01

    Adverse selection inherent in the bank-borrower relationship typically intensifies during crises. This problem is expecially severe in emerging markets, characterized by weak institutions and banks with poorly developed monitoring and screening abilities. Exploiting a unique sample of Vietnamese

  3. The National Credit Act Regarding Suretyships and Reckless Lending

    African Journals Online (AJOL)

    In terms of the National Credit Act a credit provider may conclude a credit agreement with a consumer only after he has made a proper financial assessment and concludes that the consumer will be able to satisfy all of his obligations under all his credit agreements. However, a practice of not conducting this affordability ...

  4. Saage tuttavaks - EMTA lavakunstikooli 25. lend! / Anu Lamp

    Index Scriptorium Estoniae

    Lamp, Anu, 1958-

    2010-01-01

    Eesti Muusika- ja Teatriakadeemia Lavakunstikooli 25. lennu tutvustus. 4. dets. esietendub Tallinna Linnateatris 25. lennu bakalauruselavastus "Jumala Narride Vennaskond". Lavastaja ja kunstnik Elmo Nüganen. Inglise näitekirjaniku Peter Barnesi loomingust ja näidendist "Jumala Narride Vennaskond" ("Red Noses")

  5. 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.

  6. 13 CFR 120.150 - What are SBA's lending criteria?

    Science.gov (United States)

    2010-01-01

    ... criteria? The applicant (including an Operating Company) must be creditworthy. Loans must be so sound as to... applicant (and the Operating Company, if applicable), its Associates, and guarantors; (b) Experience and... operate on a sound financial basis; (g) Potential for long-term success; (h) Nature and value of...

  7. 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

  8. 78 FR 70194 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2013-11-25

    ... Consumer Protection Act (Dodd-Frank Act) amended TILA by requiring that the dollar threshold for exempt consumer credit transactions be adjusted annually by any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Based on the annual percentage increase in...

  9. Akadeemia kuues lend mängib "Kilplasi"

    Index Scriptorium Estoniae

    2006-01-01

    Papa Kreutzwaldi Õueteatris Lauluisa muuseumi õuel esietendub 7. juulil Tartu Ülikooli Viljandi Kultuuriakadeemia kuuenda lennu teatritudengite lusti- ja laulumäng "Kilplased" F. R. Kreutzwaldi juttude ainetel, lavastaja Katri Aaslav-Tepandi. Edasi rännatakse koos Rändteatriga mööda Eestimaad

  10. 78 FR 18795 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2013-03-28

    ... advocacy groups, and the New York State Office of the Attorney General. Many members of the public opposed... vulnerable consumers. Consumer advocates and the New York State Office of the Attorney General expressed... the purpose of TILA, facilitate compliance with TILA, or prevent circumvention or evasion of TILA. Id...

  11. 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)

  12. Genetically engineered monogamy in voles lends credence to the ...

    Indian Academy of Sciences (India)

    Administrator

    sence of affiliation, pair-bonding and paternal behaviour in voles. Voles are .... breakthroughs, will apply to the human species. But the more ... animal taxa. In other words, these results vindicate the be- havioural ecologists' gambit that assumed the availability of alternative behavioural phenotypes for the action of natu-.

  13. 75 FR 19285 - Short-Term Lending Program (STLP)

    Science.gov (United States)

    2010-04-14

    ... working capital and to debt financing, in order to obtain transportation-related contracts wholly or...) which offers DBE's and other certified small and disadvantaged businesses short term working capital... for qualified applicants. These loans are revolving lines of credit that provide working capital funds...

  14. 76 FR 43111 - Regulation Z; Truth in Lending

    Science.gov (United States)

    2011-07-20

    ... Procedures Act (APA), 5 U.S.C. 551 et seq., generally requires public notice before promulgation of..., however, the APA also provides exceptions ``for interpretative rules'' and ``when the agency for good... the public interest.'' 5 U.S.C. 553(b)(A) and (B). The APA also requires that rules generally be...

  15. Sex and Credit : Is There A Gender Bias In Lending?

    NARCIS (Netherlands)

    Beck, T.H.L.; Behr, P.; Madestam, A.

    2012-01-01

    Abstract: We exploit the quasi-random assignment of borrowers to loan officers using data from a large Albanian lender to show that own-gender preferences affect both credit supply and demand. Borrowers matched to officers of the opposite gender are less likely to return for a second loan. The

  16. Sex and Credit : Is there a Gender Bias in Lending?

    NARCIS (Netherlands)

    Beck, T.H.L.; Behr, P.; Madestam, A.

    2012-01-01

    Abstract: We exploit the quasi-random assignment of borrowers to loan officers using data from a large Albanian lender to show that own-gender preferences affect both credit supply and demand. Borrowers matched to officers of the opposite gender are less likely to return for a second loan. The

  17. Saladusloor varjab CIA lennuki lende Eestisse / Kadri Paas

    Index Scriptorium Estoniae

    Paas, Kadri, 1982-

    2005-01-01

    USA uuriv ajakirjanik Wayne Madsen väidab, et kui 2003. aasta 12. jaanuaril Pärnus maandunud CIA lennuki pardal ei olnud vangid, vedas see ülisalajast ohtlikku laadungit. Eesti valitsus ei kavatse antud lennu kohta Ameerika Ühendriikidelt järelpärimist teha. Vt. samas: Need firmad sõidutavad vange

  18. 12 CFR 211.12 - Lending limits and capital requirements.

    Science.gov (United States)

    2010-01-01

    ... following: (A) The United States or any of its departments, agencies, establishments, or wholly owned... part 8 and, for purposes of this paragraph (b), also include: 8 In the case of a foreign government... include loans and extensions of credit to the corporation's affiliates, where the affiliate incurs the...

  19. 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...

  20. The Limits of Lending : Banks and Technology Adoption Across Russia

    NARCIS (Netherlands)

    Bircan, Cagatay; de Haas, R.

    2015-01-01

    We exploit historical and contemporaneous variation in local credit markets across Russia to identify the impact of credit constraints on firm-level innovation. We find that access to bank credit helps firms to adopt existing products and production processes that are new to them. They introduce

  1. Effect of Information Asymmetry and Relationship Lending on ...

    African Journals Online (AJOL)

    The study applies a transaction costs framework to understand the economic behavior of financial institutions serving financial needs of small businesses in the U.S.A. Using survey data obtained from small- business- friendly financial institutions, hypotheses postulated by the Transaction Costs Theory were tested.

  2. 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.

  3. Congressional Influence as a Determinant of Subprime Lending

    OpenAIRE

    Stuart A. Gabriel; Matthew E. Kahn; Ryan K. Vaughn

    2013-01-01

    We apply unique loan level data from New Century Financial Corporation, a major subprime lender, to assess whether attributes of Congressional Representatives were associated with access to and pricing of subprime mortgage credit. Research findings indicate higher likelihoods of subprime loan origination and lower mortgage pricing among borrowers represented by the Republican and Democratic leadership of Congress. Black borrowers also benefitted from significantly larger loan amounts in those...

  4. 75 FR 58539 - Regulation Z; Truth in Lending

    Science.gov (United States)

    2010-09-24

    ... as ``higher- priced mortgage loans'' subject to special protections for subprime loans in the Board's... certain open-end and closed-end loan secured by the consumer's principal dwelling. In addition, the... mortgage loan secured by real property or a dwelling is a new transaction requiring new disclosures. The...

  5. Agricultural lending decision: a tobit regression analysis | Olagunju ...

    African Journals Online (AJOL)

    Using data from a survey of loan applicants and bank officials from Union Bank of Nigeria and First Bank of Nigeria in south-western Nigeria, this paper empirically evaluated the determinants of loan approval decision and the size of the loan given using a Tobit regression model. With a multi-stage sampling technique, data ...

  6. Assumptions about Microenterprise Lending as a Precondition for ...

    African Journals Online (AJOL)

    Eastern Africa Social Science Research Review. Journal Home · ABOUT THIS JOURNAL · Advanced Search · Current Issue · Archives · Journal Home > Vol 24, No 1 (2008) >. Log in or Register to get access to full text downloads.

  7. Interest rate and commercial banks' lending operations in Nigeria: A ...

    African Journals Online (AJOL)

    Global Journal of Social Sciences. Journal Home · ABOUT THIS JOURNAL · Advanced Search · Current Issue · Archives · Journal Home > Vol 14, No 1 (2015) >. Log in or Register to get access to full text downloads.

  8. Logistika roll innovatsiooni juhtimises / Enno Lend, Valev Reinhold

    Index Scriptorium Estoniae

    Lend, Enno

    2004-01-01

    Nii logistika kui innovatsioon on suunatud konkurentsieelise saavutamisele: kui innovatsiooni probleemiks on, missuguseid väärtuslikke uuendusi inimestele nende vajaduste rahuldamiseks luua/pakkuda, siis logistikas otsitakse vastust küsimusele, kuidas selleks võimalikult efektiivsemalt ressursse kasutada. Skeemid

  9. 78 FR 17766 - Interagency Guidance on Leveraged Lending

    Science.gov (United States)

    2013-03-22

    ... considerations, assessing and documenting enterprise value, risk management expectations for credits awaiting distribution, stress- testing expectations, pipeline portfolio management, and risk management expectations for... values on credit portfolio quality, and to assess the sensitivity of future credit losses to these...

  10. 77 FR 19417 - Proposed Guidance on Leveraged Lending

    Science.gov (United States)

    2012-03-30

    ... enterprise value, risk management expectations for credits awaiting distribution, stress testing expectations and portfolio management, and risk management expectations. This proposed guidance would apply to all... monitor underwritten credit risks, to understand the effect of changes in borrowers' enterprise values...

  11. 77 FR 33120 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2012-06-05

    ... additional litigation costs should be considered, such as commercial litigation costs associated with ``put..._Diversion_Initial_Report.pdf . In addition, a 2010 survey of foreclosure mediation programs across the... that ``legal resources for homeowners in mediation programs generally are quite limited.'' Department...

  12. A Method for Accounting for Risk in Lending

    National Research Council Canada - National Science Library

    Kobylski, Gerald

    1997-01-01

    .... This is particularly formidable because there is not as much information available about loan applicants as there is about other investment decisions such as bonds or the stock market Chmura 95...

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

    African Journals Online (AJOL)

    Nnamdi Azikiwe University Journal of International Law and Jurisprudence. Journal Home · ABOUT THIS JOURNAL · Advanced Search · Current Issue · Archives · Journal Home > Vol 2 (2011) >. Log in or Register to get access to full text downloads.

  14. 76 FR 20799 - Intermediary Lending Pilot Program Meeting

    Science.gov (United States)

    2011-04-13

    ... established by the Small Business Jobs Act of 2010. The meetings will be open to the public. DATES: The... to discuss the ILP program established in the Small Business Jobs Act of 2010 (Pub. L. 111-240). The... contact: 1. San Francisco--Steve Bangs, (415) 744-6792, fax (415) 744-6812, or e-mail [email protected

  15. 12 CFR 560.101 - Real estate lending standards.

    Science.gov (United States)

    2010-01-01

    ... geographic market (e.g., limits on higher risk loans). • Identify appropriate terms and conditions by type of..., collateral inspection, collection, and loan review. • Establish real estate appraisal and evaluation programs... concentrations of risk. • Compliance with all real estate related laws and regulations, including the Community...

  16. 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...

  17. An Approach to Measuring Provisions for Collateralised Lending

    OpenAIRE

    Cho-hoi Hui; Tom Fong

    2006-01-01

    Under the framework of Basel II, banks which adopt the internal ratings-based approach will be required to compare their actual provisions with expected losses. Any shortfall (i.e., the expected loss exceeds the provision) should be deducted from capital of the bank. It is therefore important to ensure banks make adequate provisions against expected losses. In addition, both sound policy and the Banking Ordinance require banks to take a forward-looking view of provisions. These requirements r...

  18. 78 FR 76033 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2013-12-16

    ... 2013 HOEPA Final Rule. Id. at 6968. II. Adjustment and Commentary Revision A. CARD Act Annual... Rules Applicable to Credit Card Accounts and Open End Credit Offered to College Students 0 2. Section... Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students Section 1026.52...

  19. 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.

  20. Interest rate and commercial banks' lending operations in Nigeria: A ...

    African Journals Online (AJOL)

    It was found that Monetary Policy Rate (MPR) and inflation rate exert a positive and significant impact on banks' loans for the period. For the deregulation era, the result showed that MPR and the exchange rate had significant impact on banks' loans and advances. While the former exerted a negative impact, the later had a ...