WorldWideScience

Sample records for lending grew faster

  1. Direct Lending Works.

    Science.gov (United States)

    Riley, Richard W.

    1997-01-01

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

  2. 77 FR 37265 - Lending Limits

    Science.gov (United States)

    2012-06-21

    ... from derivative transactions, repurchase agreements, reverse repurchase agreements, securities lending... derivative transaction, repurchase agreement, reverse repurchase agreement, securities lending transaction... derivative transaction, repurchase agreement, reverse repurchase agreement, securities lending transaction...

  3. 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

  4. 12 CFR 563e.22 - Lending test.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Lending test. 563e.22 Section 563e.22 Banks and... Assessing Performance § 563e.22 Lending test. (a) Scope of test. (1) The lending test evaluates a savings... community development lending criterion. (b) Performance criteria. The OTS evaluates a savings association's...

  5. 12 CFR 25.22 - Lending test.

    Science.gov (United States)

    2010-01-01

    ... community development lending criterion. (b) Performance criteria. The OCC evaluates a bank's lending performance pursuant to the following criteria: (1) Lending activity. The number and amount of the bank's home... consider affiliate lending in assessing a bank's performance under paragraph (b)(2)(i) of this section. (d...

  6. 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.

  7. Writing faster Python

    CERN Multimedia

    CERN. Geneva

    2016-01-01

    Did you know that Python preallocates integers from -5 to 257 ? Reusing them 1000 times, instead of allocating memory for a bigger integer, can save you a couple of milliseconds of code’s execution time. If you want to learn more about this kind of optimizations then, … well, probably this presentation is not for you :) Instead of going into such small details, I will talk about more "sane" ideas for writing faster code. After a very brief overview of how to optimize Python code (rule 1: don’t do this; rule 2: don’t do this yet; rule 3: ok, but what if I really want to do this ?), I will show simple and fast ways of measuring the execution time and finally, discuss examples of how some code structures could be improved. You will see: - What is the fastest way of removing duplicates from a list - How much faster your code is when you reuse the built-in functions instead of trying to reinvent the wheel - What is faster than the good ol’ for loop - If the lookup is faster in a list or a set (and w...

  8. Monetary transmission and bank lending in Germany

    OpenAIRE

    Kakes, Jan; Sturm, Jan-Egbert; Philipp Maier

    1999-01-01

    This paper analyses the role of bank lending in the monetary transmission process in Germany. We follow a sectoral approach by distinguishing corporate lending and household lending. We find that banks respond to a monetary contraction by adjusting their securities holdings, rather than reducing their loans portfolio. Most lending categories even show an increase following a monetary tightening. The main implication of our results is that a bank lending channel is not an important transmissio...

  9. Preparing for faster filling

    CERN Multimedia

    CERN Bulletin

    2010-01-01

    Following the programmed technical stop last week, operators focussed on preparing the machine for faster filling, which includes multibunch injection and a faster pre-cycle phase.   The LHC1 screen shot during the first multibunch injection operation. The LHC operational schedule incorporates a technical stop for preventive maintenance roughly every six weeks of stable operation, during which several interventions on the various machines are carried out. Last week these included the replacement of a faulty magnet in the SPS pre-accelerator, which required the subsequent re-setting of the system of particle extraction and transfer to the LHC. At the end of last week, all the machines were handed back for operation and work could start on accommodating all the changes made into the complex systems in order for normal operation to be resumed. These ‘recovery’ operations continued through the weekend and into this week. At the beginning of this week, operators succeeded in pro...

  10. Bribes for Faster Delivery

    OpenAIRE

    Sanyal, Amal

    2000-01-01

    The paper models the practice of charging bribes for faster delivery of essential services in third world countries. It then examines the possibility of curbing corruption by supervision, and secondly, by introducing competition among delivery agents. It is argued that a supervisory solution eludes the problem because no hard evidence of the reduction of corruption can be established for this type of offenses. It is also shown that using more than one supplier cannot eliminate the practice, a...

  11. 12 CFR 345.22 - Lending test.

    Science.gov (United States)

    2010-01-01

    ... criterion. (b) Performance criteria. The FDIC evaluates a bank's lending performance pursuant to the... consider affiliate lending in assessing a bank's performance under paragraph (b)(2)(i) of this section. (d... a bank's lending performance as provided in Appendix A of this part. ...

  12. 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...

  13. Monetary transmission and bank lending in Germany

    NARCIS (Netherlands)

    Kakes, Jan; Sturm, Jan-Egbert; Philipp Maier, [No Value

    1999-01-01

    This paper analyses the role of bank lending in the monetary transmission process in Germany. We follow a sectoral approach by distinguishing corporate lending and household lending. We find that banks respond to a monetary contraction by adjusting their securities holdings, rather than reducing

  14. 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.

  15. Longer - Faster - Purer

    CERN Multimedia

    Caroline Duc

    2013-01-01

    The MR-ToF-MS, a new ion trap, has been integrated into ISOLTRAP, the experiment that performs accurate mass measurements on short-lived nuclides produced at ISOLDE. When used as a mass separator and spectrometer, it extends ISOLTRAP’s experimental reach towards the limits of nuclear stability.   Susanne Kreim, the ISOLTRAP local group leader at CERN in front of a part of the ISOLTRAP device. When mass measurement experiments like ISOLTRAP* are placed in an on-line radioactive ion-beam facility they face a major challenge: the efficient and fast transfer of the nuclide of interest to the location where the mass measurement is performed. The biggest yield of one selected nuclide, without contaminants, needs to be transferred to the set-up as quickly as possible in order to measure its mass with the greatest precision. Recently, the ISOLTRAP collaboration installed a new device that provides a faster separation of isobars.** It has significantly improved ISOLTRAP’s purificat...

  16. Monitoring Costs and Multinational-Bank Lending

    OpenAIRE

    Ralph de Haas

    2006-01-01

    We use a two-country model to examine how endogenous changes in monitoring intensity and exogenous changes in monitoring efficiency affect multinational-bank lending. First, an endogenous decline in monitoring intensity limits the amount of deposits that banks can attract. This lowers bank lending. Shocks that reduce bank capital relative to firm capital therefore have a stronger negative effect on bank lending compared to a model with exogenous monitoring intensity. Second, international dif...

  17. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

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

  18. Dynamic Incentives in Microfinance Group Lending

    Directory of Open Access Journals (Sweden)

    Naveen Kumar K

    2012-04-01

    Full Text Available One of the most essential tools of poverty reduction would be the viable expansion of institutional credit facilities to large sections of the people who neither have adequate collateral nor credit history to secure a loan. In this backdrop, social collateral is popularized through the group lending programs to address the credit market problems. Microfinance through group lending is acting as a screening device; the joint liability mechanism creates incentives for internal monitoring. Hence, it has received a lot of attention from policy makers as well as academicians. It is playing an important role in delivering financial services to the “socially and economically excluded” poor, in general, and women, in particular. The group lending works with various dynamic incentives. One such kind is principle of progressive lending and it plays a vital role in sustaining the groups for the persistent delivery of microfinance services to its members. In progressive lending, a typical borrower receives very small amounts at first, which increases with good repayment conduct or it links new, larger loans to past repayment. This article explores possible theoretical and empirical relationship between progressive lending and its determinants in group lending approach. The primary survey was conducted in 10 villages covering 106 self-help groups and 318 members in Karnataka, India. The empirical results show the progressive lending amount rising up to 698% of the initial loan of the self-help groups.

  19. 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...

  20. 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...

  1. 12 CFR 704.7 - Lending.

    Science.gov (United States)

    2010-01-01

    ... NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.7 Lending. (a) Policies. A corporate credit union must operate according to a lending policy which addresses... analyzing the financial and operational soundness of the borrower and the ability of the borrower to repay...

  2. Collateral Damage: Interlibrary Loan Lending Denials

    Science.gov (United States)

    Leykam, Andrew

    2009-01-01

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

  3. 76 FR 18007 - Intermediary Lending Pilot Program

    Science.gov (United States)

    2011-04-01

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

  4. Nod of Approval For Black Lending

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    Private lending, once obscure and operated underground, gets an unofficial go-ahead from the Central Government When it comes to underground or black market lending, a major source of financing for small and medium-sized business owners, the Chinese Government had taken much the same approach as a legendary hero combating a mythological hydra:decapitating the many heads in an effort to slay the beast. Even now, as the government steps up efforts to tighten credit, the heads of the underground lending realm are sprouting up as fast as they are being cut off,

  5. 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...

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

    Directory of Open Access Journals (Sweden)

    Chu V. Nguyen

    2015-12-01

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

  7. 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.

  8. The Bank Lending Channel: Evidence from Australia

    Directory of Open Access Journals (Sweden)

    Luke Liu

    2014-06-01

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

  9. 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

  10. 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

  11. 76 FR 18354 - Truth in Lending

    Science.gov (United States)

    2011-04-04

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

  12. 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...

  13. What Truth in Lending Means to You.

    Science.gov (United States)

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

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

  14. 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

  15. 76 FR 11319 - Truth in Lending

    Science.gov (United States)

    2011-03-02

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

  16. 75 FR 81836 - Truth in Lending

    Science.gov (United States)

    2010-12-29

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

  17. Experienced discrimination in home mortgage lending

    DEFF Research Database (Denmark)

    Secchi, Davide; Seri, Raffaello

    2017-01-01

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

  18. Zero bugs and program faster

    CERN Document Server

    Thompson, Kate

    2015-01-01

    A book about programming, improving skill, and avoiding mistakes. The author spent two years researching every bug avoidance technique she could find. This book contains the best of them. If you want to program faster, with fewer bugs, and write more secure code, buy this book! "This is the best book I have ever read." - Anonymous reviewer "Four score and seven years ago this book helped me debug my server code." -Abraham Lincoln "Would my Javascript have memory leaks without this book? Would fishes fly without water?" -Socrates "This book is the greatest victory since the Spanish Armada, and the best about programming." -Queen Elizabeth

  19. Size matters: bigger is faster.

    Science.gov (United States)

    Sereno, Sara C; O'Donnell, Patrick J; Sereno, Margaret E

    2009-06-01

    A largely unexplored aspect of lexical access in visual word recognition is "semantic size"--namely, the real-world size of an object to which a word refers. A total of 42 participants performed a lexical decision task on concrete nouns denoting either big or small objects (e.g., bookcase or teaspoon). Items were matched pairwise on relevant lexical dimensions. Participants' reaction times were reliably faster to semantically "big" versus "small" words. The results are discussed in terms of possible mechanisms, including more active representations for "big" words, due to the ecological importance attributed to large objects in the environment and the relative speed of neural responses to large objects.

  20. Slow light brings faster communications

    International Nuclear Information System (INIS)

    Gauthier, D.

    2006-01-01

    Two teams of researchers have managed to significantly reduce the speed of light in an optical fibre, which could open the door to all-optical routers for telecommunications, as Daniel Gauthier explains. Optical engineers around the globe are working hard to meet the ever-growing demand for higher-speed information networks, and the latest systems being developed operate at rates close to 160 GB per second - which is over 100 times quicker than the fastest broadband services currently available and a world away from the 56 kb per second dial-up connections of the early years of the Internet. Paradoxically, it seems that making light travel slower rather than faster might be the best way to meet these high-speed challenges. (U.K.)

  1. 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...

  2. 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...

  3. "But I Grew Up Here!" Science Inquiry, Pedagogy and Technology Through a Sociocultural Lens

    Science.gov (United States)

    Meyer, Brian R.

    The majority of students in the urban setting are considered underrepresented. These students frequently perform below their proficiency level on standardized tests locally and nationally. If we treat education as the ticket out of the culture of poverty that underrepresented students find themselves, it is incumbent upon us to find pedagogical, content, and cultural methods that allow for these students to achieve at a high level. The purpose behind this case study was to determine the pedagogical, content and cultural knowledge of two urban junior high school science teachers with the specific intention of drawing on the mitigating factors in the use, or non-use, of technology by these respective classroom teachers. Participants in this case study included two teachers both of whom teach 7th and 8th grade science in the urban setting. Their students are deemed to be underachieving by local and state measures of assessment, and the schools in which they teach are both considered low on measures of socioeconomic status. Data were collected over an academic year and included: teacher and student interviews, classroom video recordings, student work, teacher plans, and researcher field notes. These data were analyzed using an inductive approach and a constant-comparative method. The teachers shared their beliefs about the schools and district in which they teach, about the students they teach, and about their own upbringing. These female teachers had many demographics in common, including the duration of their teaching careers, their age, their content area, their time teaching in the district, and their professed caring for their students and their students' success. Where they contrasted, however, was in their own educational background at the grade school level - one teacher grew up in a middle class suburban home while the other was raised in the urban setting. Another difference was in their early choice of career, as the suburban teacher knew she wanted to teach

  4. 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.

  5. Appraisal of Priority Sector Lending by Commercial Banks in India

    OpenAIRE

    C Bhujanga Rao

    2014-01-01

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

  6. Monetary transmission and bank lending in the Netherlands

    OpenAIRE

    Kakes, Jan

    1998-01-01

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

  7. On US politics and IMF lending

    DEFF Research Database (Denmark)

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

    2006-01-01

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

  8. 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.

  9. 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.

  10. An Analysis of European Online micro-lending Websites

    OpenAIRE

    Arvind Ashta; Djamchid Assadi

    2009-01-01

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

  11. 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...

  12. FASTER Test Reactor Preconceptual Design Report

    Energy Technology Data Exchange (ETDEWEB)

    Grandy, C. [Argonne National Lab. (ANL), Argonne, IL (United States); Belch, H. [Argonne National Lab. (ANL), Argonne, IL (United States); Brunett, A. J. [Argonne National Lab. (ANL), Argonne, IL (United States); Heidet, F. [Argonne National Lab. (ANL), Argonne, IL (United States); Hill, R. [Argonne National Lab. (ANL), Argonne, IL (United States); Hoffman, E. [Argonne National Lab. (ANL), Argonne, IL (United States); Jin, E. [Argonne National Lab. (ANL), Argonne, IL (United States); Mohamed, W. [Argonne National Lab. (ANL), Argonne, IL (United States); Moisseytsev, A. [Argonne National Lab. (ANL), Argonne, IL (United States); Passerini, S. [Argonne National Lab. (ANL), Argonne, IL (United States); Sienicki, J. [Argonne National Lab. (ANL), Argonne, IL (United States); Sumner, T. [Argonne National Lab. (ANL), Argonne, IL (United States); Vilim, R. [Argonne National Lab. (ANL), Argonne, IL (United States); Hayes, S. [Argonne National Lab. (ANL), Argonne, IL (United States)

    2016-03-31

    The FASTER test reactor plant is a sodium-cooled fast spectrum test reactor that provides high levels of fast and thermal neutron flux for scientific research and development. The 120MWe FASTER reactor plant has a superheated steam power conversion system which provides electrical power to a local grid allowing for recovery of operating costs for the reactor plant.

  13. FASTER test reactor preconceptual design report summary

    Energy Technology Data Exchange (ETDEWEB)

    Grandy, C. [Argonne National Lab. (ANL), Argonne, IL (United States); Belch, H. [Argonne National Lab. (ANL), Argonne, IL (United States); Brunett, A. [Argonne National Lab. (ANL), Argonne, IL (United States); Heidet, F. [Argonne National Lab. (ANL), Argonne, IL (United States); Hill, R. [Argonne National Lab. (ANL), Argonne, IL (United States); Hoffman, E. [Argonne National Lab. (ANL), Argonne, IL (United States); Jin, E. [Argonne National Lab. (ANL), Argonne, IL (United States); Mohamed, W. [Argonne National Lab. (ANL), Argonne, IL (United States); Moisseytsev, A. [Argonne National Lab. (ANL), Argonne, IL (United States); Passerini, S. [Argonne National Lab. (ANL), Argonne, IL (United States); Sienicki, J. [Argonne National Lab. (ANL), Argonne, IL (United States); Sumner, T. [Argonne National Lab. (ANL), Argonne, IL (United States); Vilim, R. [Argonne National Lab. (ANL), Argonne, IL (United States); Hayes, Steven [Argonne National Lab. (ANL), Argonne, IL (United States)

    2016-02-29

    The FASTER reactor plant is a sodium-cooled fast spectrum test reactor that provides high levels of fast and thermal neutron flux for scientific research and development. The 120MWe FASTER reactor plant has a superheated steam power conversion system which provides electrical power to a local grid allowing for recovery of operating costs for the reactor plant.

  14. 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…

  15. 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,

  16. 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.

  17. 13 CFR 120.150 - What are SBA's lending criteria?

    Science.gov (United States)

    2010-01-01

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

  18. Monetary transmission and bank lending in the Netherlands

    NARCIS (Netherlands)

    Kakes, Jan

    1998-01-01

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

  19. Foreigners vs. Natives : Bank Lending Technologies and Loan Pricing

    NARCIS (Netherlands)

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

    2012-01-01

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

  20. E-book lending in digital libraries: systematic review

    Directory of Open Access Journals (Sweden)

    Mehdi Alipour-Hafezi

    2016-12-01

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

  1. 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.

  2. LENDING STRUCTURE AND MARKET RISK EXPOSURES: THE MALAYSIAN CASE

    Directory of Open Access Journals (Sweden)

    Aisyah Abdul Rahman

    2009-01-01

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

  3. MACRO ECONOMICS FACTORS AND BANK LENDING BEHAVIOUR IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Rofikoh Rokhim

    2014-10-01

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

  4. Exploring the critical factors influencing online lending intentions

    OpenAIRE

    Wang, Peng

    2015-01-01

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

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

    African Journals Online (AJOL)

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

  6. 78 FR 17766 - Interagency Guidance on Leveraged Lending

    Science.gov (United States)

    2013-03-22

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

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

    African Journals Online (AJOL)

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

  8. 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...

  9. 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.

  10. Models of sequential decision making in consumer lending

    OpenAIRE

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

    2016-01-01

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

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

    OpenAIRE

    Allen N. Berger; Gregory E. Udell

    1994-01-01

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

  12. Lending Sociodynamics and Drivers of the Financial Business Cycle

    Directory of Open Access Journals (Sweden)

    Raymond J. Hawkins

    2017-10-01

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

  13. Test of the Bank Lending Channel: The Case of Poland

    Directory of Open Access Journals (Sweden)

    Yu HSING

    2013-11-01

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

  14. 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...

  15. Marketing-Mix of Online Social Lending Websites

    OpenAIRE

    Djamchid Assadi; Meredith Hudson

    2010-01-01

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

  16. 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...

  17. Lending Interest Rates’ Relationships of Malaysia and Other Countries

    Directory of Open Access Journals (Sweden)

    Noor Azryani Auzairy

    2016-06-01

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

  18. 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.

  19. 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.

  20. Faster than Nyquist signaling algorithms to silicon

    CERN Document Server

    Dasalukunte, Deepak; Rusek, Fredrik; Anderson, John B

    2014-01-01

    This book addresses the challenges and design trade-offs arising during the hardware design of Faster-than-Nyquist (FTN) signaling transceivers. The authors describe how to design for coexistence between the FTN system described and Orthogonal frequency-division multiplexing (OFDM) systems, enabling readers to design FTN specific processing blocks as add-ons to the conventional transceiver chain.   • Provides a comprehensive introduction to Faster-than-Nyquist (FTN) signaling transceivers, covering both theory and hardware implementation; • Enables readers to design systems that achieve bandwidth efficiency by making better use of the available spectrum resources; • Describes design techniques to achieve 2x improvement in bandwidth usage with similar performance as that of an OFDM system.  

  1. Pigeons home faster through polluted air

    OpenAIRE

    Zhongqiu Li; Franck Courchamp; Daniel T. Blumstein

    2016-01-01

    Air pollution, especially haze pollution, is creating health issues for both humans and other animals. However, remarkably little is known about how animals behaviourally respond to air pollution. We used multiple linear regression to analyse 415 pigeon races in the North China Plain, an area with considerable air pollution, and found that while the proportion of pigeons successfully homed was not influenced by air pollution, pigeons homed faster when the air was especially polluted. Our resu...

  2. Faster than light, slower than time

    International Nuclear Information System (INIS)

    Rucker, R.

    1981-01-01

    The problem with faster-than-light travel is that, in the framework of Special Relativity, it is logically equivalent to time-travel. The problem with time-travel is that it leads to two types of paradoxes. The paradoxes, and the various means of skirting them, are all discussed here. Virtually all the examples are drawn from science-fiction novels, which are a large and neglected source of thought-experiments. (Auth.)

  3. Compressing bitmap indexes for faster search operations

    International Nuclear Information System (INIS)

    Wu, Kesheng; Otoo, Ekow J.; Shoshani, Arie

    2002-01-01

    In this paper, we study the effects of compression on bitmap indexes. The main operations on the bitmaps during query processing are bitwise logical operations such as AND, OR, NOT, etc. Using the general purpose compression schemes, such as gzip, the logical operations on the compressed bitmaps are much slower than on the uncompressed bitmaps. Specialized compression schemes, like the byte-aligned bitmap code(BBC), are usually faster in performing logical operations than the general purpose schemes, but in many cases they are still orders of magnitude slower than the uncompressed scheme. To make the compressed bitmap indexes operate more efficiently, we designed a CPU-friendly scheme which we refer to as the word-aligned hybrid code (WAH). Tests on both synthetic and real application data show that the new scheme significantly outperforms well-known compression schemes at a modest increase in storage space. Compared to BBC, a scheme well-known for its operational efficiency, WAH performs logical operations about 12 times faster and uses only 60 percent more space. Compared to the uncompressed scheme, in most test cases WAH is faster while still using less space. We further verified with additional tests that the improvement in logical operation speed translates to similar improvement in query processing speed

  4. Compressing bitmap indexes for faster search operations

    Energy Technology Data Exchange (ETDEWEB)

    Wu, Kesheng; Otoo, Ekow J.; Shoshani, Arie

    2002-04-25

    In this paper, we study the effects of compression on bitmap indexes. The main operations on the bitmaps during query processing are bitwise logical operations such as AND, OR, NOT, etc. Using the general purpose compression schemes, such as gzip, the logical operations on the compressed bitmaps are much slower than on the uncompressed bitmaps. Specialized compression schemes, like the byte-aligned bitmap code(BBC), are usually faster in performing logical operations than the general purpose schemes, but in many cases they are still orders of magnitude slower than the uncompressed scheme. To make the compressed bitmap indexes operate more efficiently, we designed a CPU-friendly scheme which we refer to as the word-aligned hybrid code (WAH). Tests on both synthetic and real application data show that the new scheme significantly outperforms well-known compression schemes at a modest increase in storage space. Compared to BBC, a scheme well-known for its operational efficiency, WAH performs logical operations about 12 times faster and uses only 60 percent more space. Compared to the uncompressed scheme, in most test cases WAH is faster while still using less space. We further verified with additional tests that the improvement in logical operation speed translates to similar improvement in query processing speed.

  5. 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.

  6. Bank Lending Policy, Credit Scoring and Value at Risk

    OpenAIRE

    Jacobson, Tor; Roszbach, Kasper

    1998-01-01

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

  7. 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.

  8. Better Faster Noise with the GPU

    DEFF Research Database (Denmark)

    Wyvill, Geoff; Frisvad, Jeppe Revall

    Filtered noise [Perlin 1985] has, for twenty years, been a fundamental tool for creating functional texture and it has many other applications; for example, animating water waves or the motion of grass waving in the wind. Perlin noise suffers from a number of defects and there have been many atte...... attempts to create better or faster noise but Perlin’s ‘Gradient Noise’ has consistently proved to be the best compromise between speed and quality. Our objective was to create a better noise cheaply by use of the GPU....

  9. Faster and Energy-Efficient Signed Multipliers

    Directory of Open Access Journals (Sweden)

    B. Ramkumar

    2013-01-01

    Full Text Available We demonstrate faster and energy-efficient column compression multiplication with very small area overheads by using a combination of two techniques: partition of the partial products into two parts for independent parallel column compression and acceleration of the final addition using new hybrid adder structures proposed here. Based on the proposed techniques, 8-b, 16-b, 32-b, and 64-b Wallace (W, Dadda (D, and HPM (H reduction tree based Baugh-Wooley multipliers are developed and compared with the regular W, D, H based Baugh-Wooley multipliers. The performances of the proposed multipliers are analyzed by evaluating the delay, area, and power, with 65 nm process technologies on interconnect and layout using industry standard design and layout tools. The result analysis shows that the 64-bit proposed multipliers are as much as 29%, 27%, and 21% faster than the regular W, D, H based Baugh-Wooley multipliers, respectively, with a maximum of only 2.4% power overhead. Also, the power-delay products (energy consumption of the proposed 16-b, 32-b, and 64-b multipliers are significantly lower than those of the regular Baugh-Wooley multiplier. Applicability of the proposed techniques to the Booth-Encoded multipliers is also discussed.

  10. 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] ...

  11. Optimal Joint Liability Lending and with Costly Peer Monitoring

    NARCIS (Netherlands)

    Carli, Francesco; Uras, R.B.

    2014-01-01

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

  12. Joint liability lending and the peer selection effect

    NARCIS (Netherlands)

    Gangopadhyay, S; Ghatak, M; Lensink, R

    2005-01-01

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

  13. 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

  14. 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

  15. 12 CFR 560.101 - Real estate lending standards.

    Science.gov (United States)

    2010-01-01

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

  16. 78 FR 18795 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2013-03-28

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

  17. Lending Officers' Decisions to Recommend Innovative Agricultural Technology.

    Science.gov (United States)

    McIntosh, Wm. Alex; Zey-Ferrell, Mary

    1986-01-01

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

  18. 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

  19. EIB lends EUR 300 million for CERN's major collider

    CERN Multimedia

    2002-01-01

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

  20. 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...

  1. 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...

  2. 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.

  3. 78 FR 25818 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2013-05-03

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

  4. 75 FR 58505 - Regulation Z; Truth in Lending

    Science.gov (United States)

    2010-09-24

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

  5. 75 FR 58469 - Regulation Z; Truth in Lending

    Science.gov (United States)

    2010-09-24

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

  6. Fast Physics Testbed for the FASTER Project

    Energy Technology Data Exchange (ETDEWEB)

    Lin, W.; Liu, Y.; Hogan, R.; Neggers, R.; Jensen, M.; Fridlind, A.; Lin, Y.; Wolf, A.

    2010-03-15

    This poster describes the Fast Physics Testbed for the new FAst-physics System Testbed and Research (FASTER) project. The overall objective is to provide a convenient and comprehensive platform for fast turn-around model evaluation against ARM observations and to facilitate development of parameterizations for cloud-related fast processes represented in global climate models. The testbed features three major components: a single column model (SCM) testbed, an NWP-Testbed, and high-resolution modeling (HRM). The web-based SCM-Testbed features multiple SCMs from major climate modeling centers and aims to maximize the potential of SCM approach to enhance and accelerate the evaluation and improvement of fast physics parameterizations through continuous evaluation of existing and evolving models against historical as well as new/improved ARM and other complementary measurements. The NWP-Testbed aims to capitalize on the large pool of operational numerical weather prediction products. Continuous evaluations of NWP forecasts against observations at ARM sites are carried out to systematically identify the biases and skills of physical parameterizations under all weather conditions. The highresolution modeling (HRM) activities aim to simulate the fast processes at high resolution to aid in the understanding of the fast processes and their parameterizations. A four-tier HRM framework is established to augment the SCM- and NWP-Testbeds towards eventual improvement of the parameterizations.

  7. Group lending and the role of the group leader

    OpenAIRE

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

    2011-01-01

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

  8. Micro-lending for small farmers in Bangladesh

    OpenAIRE

    Rashid, Shahidur; Sharma, Manohar; Zeller, Manfred

    2002-01-01

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

  9. 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...

  10. The Internet, Bank Structure and Small Business Lending

    OpenAIRE

    Steven G. Craig; Polly T. Hardee

    2002-01-01

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

  11. Collateral and its Substitutes in Emerging Markets' Lending

    OpenAIRE

    Lukas Menkhoff; Doris Neuberger; Ornsiri Rungruxsirivorn

    2011-01-01

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

  12. How Collateral Laws Shape Lending and Sectoral Activity

    OpenAIRE

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

    2015-01-01

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

  13. Reserve requirements and the bank lending channel in China

    OpenAIRE

    Fungácová , Zuzana; Nuutilainen , Riikka; Weill , Laurent

    2015-01-01

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

  14. On the roles of different foreign currencies in European bank lending

    OpenAIRE

    Krogstrup, Signe; Tille, Cedric

    2015-01-01

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

  15. PRUDENTIAL CONSTRAINS OF BANKS LENDING ACTIVITIES AFTER FINANCIAL CRISIS

    Directory of Open Access Journals (Sweden)

    Roberto Ercegovac

    2017-09-01

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

  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. 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...

  18. 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

  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. LENDING IN FOREIGN CURRENCY AND CURRENT CHALLENGES AT EUROPEAN LEVEL

    Directory of Open Access Journals (Sweden)

    ȘARGU Alina Camelia

    2012-12-01

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

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

    OpenAIRE

    Liu, Luke

    2011-01-01

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

  2. Self-regulation strategies of white young adult male students who grew up with emotionally absent fathers / Dirk Wouter Jacobus Ackermann

    OpenAIRE

    Ackermann, Dirk Wouter Jacobus

    2014-01-01

    Young men who grew up with emotionally absent fathers seem to find it difficult to attain equilibrium through dedication to both personal and relational concerns, probably because they tend to have low self-esteem, struggle to establish intimate relationships and may be at greater risk of engaging in antisocial or violent behaviour. The aim of this study was to explore the self-regulation strategies that white young adult male students employ to deal with the emotions and cognitions related t...

  3. 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.

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

    OpenAIRE

    Thakor, Anjan V

    1996-01-01

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

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

    Science.gov (United States)

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

    2014-01-01

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

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

    Science.gov (United States)

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

    2009-04-01

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

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

    OpenAIRE

    Hartley, Scott

    2010-01-01

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

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

    NARCIS (Netherlands)

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

    2009-01-01

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

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

    NARCIS (Netherlands)

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

    2012-01-01

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

  10. 12 CFR 528.2 - Nondiscrimination in lending and other services.

    Science.gov (United States)

    2010-01-01

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

  11. 12 CFR 614.4100 - Policies governing lending through Federal land bank associations.

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

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

    2012-01-01

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

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

    NARCIS (Netherlands)

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

    2012-01-01

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

  14. 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...

  15. 37 CFR 201.24 - Warning of copyright for software lending by nonprofit libraries.

    Science.gov (United States)

    2010-07-01

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

  16. 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

  17. 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

  18. 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

  19. Cortex Matures Faster in Youths With Highest IQ

    Science.gov (United States)

    ... NIH Cortex Matures Faster in Youths With Highest IQ Past Issues / Summer 2006 Table of Contents For ... on. Photo: Getty image (StockDisc) Youths with superior IQ are distinguished by how fast the thinking part ...

  20. Quantum mechanics and faster-than-light communication: methodological considerations

    International Nuclear Information System (INIS)

    Ghirardi, G.C.; Weber, T.

    1983-06-01

    A detailed quantum mechanical analysis of a recent proposal of faster than light communication through wave packet reduction is performed. The discussion allows us to focus on some methodological problems about critical investigations in physical theories. (author)

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

    Science.gov (United States)

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

    2015-02-01

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

  2. 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

  3. 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.

  4. 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...

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

    OpenAIRE

    Namvar, Anahita; Naderpour, Mohsen

    2018-01-01

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

  6. 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.

  7. 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...

  8. 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

  9. Do Zebra Mussels Grow Faster on Live Unionids than on Inanimate Substrate? A Study with Field Enclosures

    Science.gov (United States)

    Hörmann, Leonhard; Maier, Gerhard

    2006-05-01

    The zebra mussel Dreissena polymorpha has invaded numerous freshwaters in Europe and North America and can foul many types of solid substrates, including unionid bivalves. In field experiments we compared growth rates of dreissenids on live specimens of the freshwater bivalve Anodonta cygnea to growth rates of dreissenids on stones. Dreissena density in the study lake was about 1000 m-2 in most places, Anodonta density approximately 1 m-2 and about 50% of the Anodonta were infested with 10-30 Dreissena . In summer/autumn small dreissenids generally grew faster on live Anodonta than on stones. Similar trends were observed for spring, but differences of growth increments between dreissenids on live Anodonta and stones were usually not significant. Dreissenids settled down or moved towards the ingestion/egestion siphons of Anodonta and ingestion siphons of dreissenids were directed towards siphons of Anodonta . These results suggest that dreissenids can use the food provided by the filter current of the large Anodonta .

  10. 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

  11. P2P Lending Risk Contagion Analysis Based on a Complex Network Model

    Directory of Open Access Journals (Sweden)

    Qi Wei

    2016-01-01

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

  12. New analytical approaches for faster or greener phytochemical analyses

    NARCIS (Netherlands)

    Shen, Y.

    2015-01-01

    Summary

    Chapter 1 provides a short introduction into the constraints of phytochemical analysis. In order to make them faster, less laborious and greener, there is a clear scope for miniaturized and simplified sample preparation, solvent-free extractions

  13. ZKBoo: Faster Zero-Knowledge for Boolean Circuits

    DEFF Research Database (Denmark)

    Giacomelli, Irene; Madsen, Jesper; Orlandi, Claudio

    2016-01-01

    variants of IKOS, which highlights their pros and cons for practically rele- vant soundness parameters; ◦ A generalization and simplification of their approach, which leads to faster Σ-protocols (that can be made non-interactive using the Fiat-Shamir heuristic) for state- ments of the form “I know x...

  14. Faster and timing-attack resistant AES-GCM

    NARCIS (Netherlands)

    Käsper, E.; Schwabe, P.; Clavier, C.; Gaj, K.

    2009-01-01

    We present a bitsliced implementation of AES encryption in counter mode for 64-bit Intel processors. Running at 7.59 cycles/byte on a Core 2, it is up to 25% faster than previous implementations, while simultaneously offering protection against timing attacks. In particular, it is the only

  15. Increasing the Capital Income Tax Leads to Faster Growth

    NARCIS (Netherlands)

    Uhlig, H.F.H.V.S.; Yanagawa, N.

    1994-01-01

    This paper shows that under rather mild conditions, higher capital income taxes lead to faster growth in an overlapping generations economy with endogenous growth. Government expenditures are financed with labor income taxes as well as capital income taxes. Since capital income accrues to the old,

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

    OpenAIRE

    Kleemann, Michael; Wiegand, Manuel

    2013-01-01

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

  17. International banking conglomerates and the transmission of lending shocks across borders

    OpenAIRE

    Gropp, Reint; Radev, Deyan

    2017-01-01

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

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

    OpenAIRE

    liu, luke

    2012-01-01

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

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

    Science.gov (United States)

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

    2018-01-01

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

  20. 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.

  1. 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.

  2. Multiple Object Tracking Using the Shortest Path Faster Association Algorithm

    Directory of Open Access Journals (Sweden)

    Zhenghao Xi

    2014-01-01

    Full Text Available To solve the persistently multiple object tracking in cluttered environments, this paper presents a novel tracking association approach based on the shortest path faster algorithm. First, the multiple object tracking is formulated as an integer programming problem of the flow network. Then we relax the integer programming to a standard linear programming problem. Therefore, the global optimum can be quickly obtained using the shortest path faster algorithm. The proposed method avoids the difficulties of integer programming, and it has a lower worst-case complexity than competing methods but better robustness and tracking accuracy in complex environments. Simulation results show that the proposed algorithm takes less time than other state-of-the-art methods and can operate in real time.

  3. Faster-X evolution: Theory and evidence from Drosophila.

    Science.gov (United States)

    Charlesworth, Brian; Campos, José L; Jackson, Benjamin C

    2018-02-12

    A faster rate of adaptive evolution of X-linked genes compared with autosomal genes can be caused by the fixation of recessive or partially recessive advantageous mutations, due to the full expression of X-linked mutations in hemizygous males. Other processes, including recombination rate and mutation rate differences between X chromosomes and autosomes, may also cause faster evolution of X-linked genes. We review population genetics theory concerning the expected relative values of variability and rates of evolution of X-linked and autosomal DNA sequences. The theoretical predictions are compared with data from population genomic studies of several species of Drosophila. We conclude that there is evidence for adaptive faster-X evolution of several classes of functionally significant nucleotides. We also find evidence for potential differences in mutation rates between X-linked and autosomal genes, due to differences in mutational bias towards GC to AT mutations. Many aspects of the data are consistent with the male hemizygosity model, although not all possible confounding factors can be excluded. © 2018 John Wiley & Sons Ltd.

  4. The faster-X effect: integrating theory and data.

    Science.gov (United States)

    Meisel, Richard P; Connallon, Tim

    2013-09-01

    Population genetics theory predicts that X (or Z) chromosomes could play disproportionate roles in speciation and evolutionary divergence, and recent genome-wide analyses have identified situations in which X or Z-linked divergence exceeds that on the autosomes (the so-called 'faster-X effect'). Here, we summarize the current state of both the theory and data surrounding the study of faster-X evolution. Our survey indicates that the faster-X effect is pervasive across a taxonomically diverse array of evolutionary lineages. These patterns could be informative of the dominance or recessivity of beneficial mutations and the nature of genetic variation acted upon by natural selection. We also identify several aspects of disagreement between these empirical results and the population genetic models used to interpret them. However, there are clearly delineated aspects of the problem for which additional modeling and collection of genomic data will address these discrepancies and provide novel insights into the population genetics of adaptation. Copyright © 2013 Elsevier Ltd. All rights reserved.

  5. Adrenaline in cardiac arrest: Prefilled syringes are faster.

    Science.gov (United States)

    Helm, Claire; Gillett, Mark

    2015-08-01

    Standard ampoules and prefilled syringes of adrenaline are widely available in Australasian EDs for use in cardiac arrest. We hypothesise that prefilled syringes can be administered more rapidly and accurately when compared with the two available standard ampoules. This is a triple arm superiority study comparing the time to i.v. administration and accuracy of dosing of three currently available preparations of adrenaline. In their standard packaging, prefilled syringes were on average more than 12 s faster to administer than the 1 mL 1:1000 ampoules and more than 16 s faster than the 10 mL 1:10,000 ampoules (P adrenaline utilising a Minijet (CSL Limited, Parkville, Victoria, Australia) is faster than using adrenaline in glass ampoules presented in their plastic packaging. Removing the plastic packaging from the 1 mL (1 mg) ampoule might result in more rapid administration similar to the Minijet. Resuscitation personnel requiring rapid access to adrenaline should consider storing it as either Minijets or ampoules devoid of packaging. These results might be extrapolatable to other clinical scenarios, including pre-hospital and anaesthesia, where other drugs are required for rapid use. © 2015 Australasian College for Emergency Medicine and Australasian Society for Emergency Medicine.

  6. Even Faster Web Sites Performance Best Practices for Web Developers

    CERN Document Server

    Souders, Steve

    2009-01-01

    Performance is critical to the success of any web site, and yet today's web applications push browsers to their limits with increasing amounts of rich content and heavy use of Ajax. In this book, Steve Souders, web performance evangelist at Google and former Chief Performance Yahoo!, provides valuable techniques to help you optimize your site's performance. Souders' previous book, the bestselling High Performance Web Sites, shocked the web development world by revealing that 80% of the time it takes for a web page to load is on the client side. In Even Faster Web Sites, Souders and eight exp

  7. Faster magnet sorting with a threshold acceptance algorithm

    International Nuclear Information System (INIS)

    Lidia, S.; Carr, R.

    1995-01-01

    We introduce here a new technique for sorting magnets to minimize the field errors in permanent magnet insertion devices. Simulated annealing has been used in this role, but we find the technique of threshold acceptance produces results of equal quality in less computer time. Threshold accepting would be of special value in designing very long insertion devices, such as long free electron lasers (FELs). Our application of threshold acceptance to magnet sorting showed that it converged to equivalently low values of the cost function, but that it converged significantly faster. We present typical cases showing time to convergence for various error tolerances, magnet numbers, and temperature schedules

  8. Robustness of a bisimulation-type faster-than preorder

    Directory of Open Access Journals (Sweden)

    Katrin Iltgen

    2009-11-01

    Full Text Available TACS is an extension of CCS where upper time bounds for delays can be specified. Luettgen and Vogler defined three variants of bismulation-type faster-than relations and showed that they all three lead to the same preorder, demonstrating the robustness of their approach. In the present paper, the operational semantics of TACS is extended; it is shown that two of the variants still give the same preorder as before, underlining robustness. An explanation is given why this result fails for the third variant. It is also shown that another variant, which mixes old and new operational semantics, can lead to smaller relations that prove the same preorder.

  9. CSRtrack Faster Calculation of 3-D CSR Effects

    CERN Document Server

    Dohlus, Martin

    2004-01-01

    CSRtrack is a new code for the simulation of Coherent Synchrotron radiation effects on the beam dynamics of linear accelerators. It incorporates the physics of our previous code, TraFiC4, and adds new algorithms for the calculation of the CSR fields. A one-dimensional projected method allows quick estimates and a greens function method allows 3D calculations about ten times faster than with the `direct' method. The tracking code is written in standard FORTRAN77 and has its own parser for comfortable input of calculation parameters and geometry. Phase space input and the analysis of the traced particle distribution is done with MATLAB interface programs.

  10. Faster magnet sorting with a threshold acceptance algorithm

    International Nuclear Information System (INIS)

    Lidia, S.

    1994-08-01

    The authors introduce here a new technique for sorting magnets to minimize the field errors in permanent magnet insertion devices. Simulated annealing has been used in this role, but they find the technique of threshold acceptance produces results of equal quality in less computer time. Threshold accepting would be of special value in designing very long insertion devices, such as long FEL's. Their application of threshold acceptance to magnet sorting showed that it converged to equivalently low values of the cost function, but that it converged significantly faster. They present typical cases showing time to convergence for various error tolerances, magnet numbers, and temperature schedules

  11. 20 Recipes for Programming MVC 3 Faster, Smarter Web Development

    CERN Document Server

    Munro, Jamie

    2011-01-01

    There's no need to reinvent the wheel every time you run into a problem with ASP.NET's Model-View-Controller (MVC) framework. This concise cookbook provides recipes to help you solve tasks many web developers encounter every day. Each recipe includes the C# code you need, along with a complete working example of how to implement the solution. Learn practical techniques for applying user authentication, providing faster page reloads, validating user data, filtering search results, and many other issues related to MVC3 development. These recipes help you: Restrict access to views with password

  12. How to Elect a Leader Faster than a Tournament

    OpenAIRE

    Alistarh, Dan; Gelashvili, Rati; Vladu, Adrian

    2014-01-01

    The problem of electing a leader from among $n$ contenders is one of the fundamental questions in distributed computing. In its simplest formulation, the task is as follows: given $n$ processors, all participants must eventually return a win or lose indication, such that a single contender may win. Despite a considerable amount of work on leader election, the following question is still open: can we elect a leader in an asynchronous fault-prone system faster than just running a $\\Theta(\\log n...

  13. Faster than light motion does not imply time travel

    International Nuclear Information System (INIS)

    Andréka, Hajnal; Madarász, Judit X; Németi, István; Székely, Gergely; Stannett, Mike

    2014-01-01

    Seeing the many examples in the literature of causality violations based on faster than light (FTL) signals one naturally thinks that FTL motion leads inevitably to the possibility of time travel. We show that this logical inference is invalid by demonstrating a model, based on (3+1)-dimensional Minkowski spacetime, in which FTL motion is permitted (in every direction without any limitation on speed) yet which does not admit time travel. Moreover, the Principle of Relativity is true in this model in the sense that all observers are equivalent. In short, FTL motion does not imply time travel after all. (paper)

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

    Institute of Scientific and Technical Information of China (English)

    Qinwei Chi; Wenjing Li

    2017-01-01

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

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

    OpenAIRE

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

    2015-01-01

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

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

    OpenAIRE

    Eichengreen, Barry; Mody, Ashoka

    1999-01-01

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

  17. 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...

  18. Faster quantum chemistry simulation on fault-tolerant quantum computers

    International Nuclear Information System (INIS)

    Cody Jones, N; McMahon, Peter L; Yamamoto, Yoshihisa; Whitfield, James D; Yung, Man-Hong; Aspuru-Guzik, Alán; Van Meter, Rodney

    2012-01-01

    Quantum computers can in principle simulate quantum physics exponentially faster than their classical counterparts, but some technical hurdles remain. We propose methods which substantially improve the performance of a particular form of simulation, ab initio quantum chemistry, on fault-tolerant quantum computers; these methods generalize readily to other quantum simulation problems. Quantum teleportation plays a key role in these improvements and is used extensively as a computing resource. To improve execution time, we examine techniques for constructing arbitrary gates which perform substantially faster than circuits based on the conventional Solovay–Kitaev algorithm (Dawson and Nielsen 2006 Quantum Inform. Comput. 6 81). For a given approximation error ϵ, arbitrary single-qubit gates can be produced fault-tolerantly and using a restricted set of gates in time which is O(log ϵ) or O(log log ϵ); with sufficient parallel preparation of ancillas, constant average depth is possible using a method we call programmable ancilla rotations. Moreover, we construct and analyze efficient implementations of first- and second-quantized simulation algorithms using the fault-tolerant arbitrary gates and other techniques, such as implementing various subroutines in constant time. A specific example we analyze is the ground-state energy calculation for lithium hydride. (paper)

  19. Elastic coupling of limb joints enables faster bipedal walking

    Science.gov (United States)

    Dean, J.C.; Kuo, A.D.

    2008-01-01

    The passive dynamics of bipedal limbs alone are sufficient to produce a walking motion, without need for control. Humans augment these dynamics with muscles, actively coordinated to produce stable and economical walking. Present robots using passive dynamics walk much slower, perhaps because they lack elastic muscles that couple the joints. Elastic properties are well known to enhance running gaits, but their effect on walking has yet to be explored. Here we use a computational model of dynamic walking to show that elastic joint coupling can help to coordinate faster walking. In walking powered by trailing leg push-off, the model's speed is normally limited by a swing leg that moves too slowly to avoid stumbling. A uni-articular spring about the knee allows faster but uneconomical walking. A combination of uni-articular hip and knee springs can speed the legs for improved speed and economy, but not without the swing foot scuffing the ground. Bi-articular springs coupling the hips and knees can yield high economy and good ground clearance similar to humans. An important parameter is the knee-to-hip moment arm that greatly affects the existence and stability of gaits, and when selected appropriately can allow for a wide range of speeds. Elastic joint coupling may contribute to the economy and stability of human gait. PMID:18957360

  20. DOE translation tool: Faster and better than ever

    International Nuclear Information System (INIS)

    El-Chakieh, T.; Vincent, C.

    2006-01-01

    CAE's constant push to advance power plant simulation practices involves continued investment in our technologies. This commitment has yielded many advances in our simulation technologies and tools to provide faster maintenance updates, easier process updates and higher fidelity models for power plant simulators. Through this quest, a comprehensive, self-contained and user-friendly DCS translation tool for plant control system emulation was created. The translation tool converts an ABB Advant AC160 and/or AC450 control system, used in both gas turbine-based, fossil and nuclear power plants, into Linux or Windows-based ROSE[reg] simulation schematics. The translation for a full combined-cycle gas turbine (CCGT) plant that comprises more than 5,300 function plans distributed over 15 nodes is processed in less than five hours on a dual 2.8Ghz Xeon Linux platform in comparison to the 12 hours required by CAE's previous translation tool. The translation process, using the plant configuration files, includes the parsing of the control algorithms, the databases, the graphic and the interconnection between nodes. A Linux or Windows API is then used to automatically populate the ROSE[reg] database. Without such a translation, tool or if ?stimulation? of real control system is not feasible or too costly, simulation of the DCS manually takes months of error prone manual coding. The translation can be performed for all the nodes constituting the configuration files of the whole plant DCS, or in order to provide faster maintenance updates and easier process updates, partial builds are possible at 3 levels: a. single schematic updates, b. multi-schematic updates and c. single node updates based on the user inputs into the Graphical User Interface. improvements including: - Process time reduction of over 60%; - All communication connections between nodes are fully automated; - New partial build for one schematic, a group of schematics or a single node; - Availability on PC

  1. Faster and more accurate transport procedures for HZETRN

    International Nuclear Information System (INIS)

    Slaba, T.C.; Blattnig, S.R.; Badavi, F.F.

    2010-01-01

    The deterministic transport code HZETRN was developed for research scientists and design engineers studying the effects of space radiation on astronauts and instrumentation protected by various shielding materials and structures. In this work, several aspects of code verification are examined. First, a detailed derivation of the light particle (A ≤ 4) and heavy ion (A > 4) numerical marching algorithms used in HZETRN is given. References are given for components of the derivation that already exist in the literature, and discussions are given for details that may have been absent in the past. The present paper provides a complete description of the numerical methods currently used in the code and is identified as a key component of the verification process. Next, a new numerical method for light particle transport is presented, and improvements to the heavy ion transport algorithm are discussed. A summary of round-off error is also given, and the impact of this error on previously predicted exposure quantities is shown. Finally, a coupled convergence study is conducted by refining the discretization parameters (step-size and energy grid-size). From this study, it is shown that past efforts in quantifying the numerical error in HZETRN were hindered by single precision calculations and computational resources. It is determined that almost all of the discretization error in HZETRN is caused by the use of discretization parameters that violate a numerical convergence criterion related to charged target fragments below 50 AMeV. Total discretization errors are given for the old and new algorithms to 100 g/cm 2 in aluminum and water, and the improved accuracy of the new numerical methods is demonstrated. Run time comparisons between the old and new algorithms are given for one, two, and three layer slabs of 100 g/cm 2 of aluminum, polyethylene, and water. The new algorithms are found to be almost 100 times faster for solar particle event simulations and almost 10 times

  2. 12 CFR 614.4351 - Computation of lending and leasing limit base.

    Science.gov (United States)

    2010-01-01

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

  3. 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

  4. A decision support model for investment on P2P lending platform.

    Science.gov (United States)

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

    2017-01-01

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

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

    NARCIS (Netherlands)

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

    2003-01-01

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

  6. 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.

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

    NARCIS (Netherlands)

    Hermes, N; Lensink, R; Mehrteab, HT

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

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

    NARCIS (Netherlands)

    Contreras, Gaby; Bos, Jaap; Kleimeier, Stefanie

    2018-01-01

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

  9. 12 CFR Appendix A to Subpart D of... - Interagency Guidelines for Real Estate Lending

    Science.gov (United States)

    2010-01-01

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

  10. 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

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

    Directory of Open Access Journals (Sweden)

    Deddy P. Koesrindartoto

    2012-01-01

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

  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 Lending Authority Program end? 120.1900 Section 120.1900 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of an SBA Direct Loan Program for Systemically Important Secondary...

  13. 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...

  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. 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...

  17. 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

  18. 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.

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

    NARCIS (Netherlands)

    Kakes, J

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

  20. 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.

  1. 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

  2. 7 CFR 4280.23 - Requirements for lending from Revolving Loan Fund.

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

    Braggion, Fabio; Dwarkasing, Narly; Moore, Lyndon

    2017-01-01

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

  4. 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.

  5. 78 FR 4725 - Escrow Requirements Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-01-22

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

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

    Science.gov (United States)

    Ita, Asuquo Akabom

    2012-11-01

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

  7. Innovations for competitiveness: European views on "better-faster-cheaper"

    Science.gov (United States)

    Atzei, A.; Groepper, P.; Novara, M.; Pseiner, K.

    1999-09-01

    The paper elaborates on " lessons learned" from two recent ESA workshops, one focussing on the role of Innovation in the competitiveness of the space sector and the second on technology and engineering aspects conducive to better, faster and cheaper space programmes. The paper focuses primarily on four major aspects, namely: a) the adaptations of industrial and public organisations to the global market needs; b) the understanding of the bottleneck factors limiting competitiveness; c) the trends toward new system architectures and new engineering and production methods; d) the understanding of the role of new technology in the future applications. Under the pressure of market forces and the influence of many global and regional players, applications of space systems and technology are becoming more and more competitive. It is well recognised that without major effort for innovation in industrial practices, organisations, R&D, marketing and financial approaches the European space sector will stagnate and loose its competence as well as its competitiveness. It is also recognised that a programme run according to the "better, faster, cheaper" philosophy relies on much closer integration of system design, development and verification, and draws heavily on a robust and comprehensive programme of technology development, which must run in parallel and off-line with respect to flight programmes. A company's innovation capabilities will determine its future competitive advantage (in time, cost, performance or value) and overall growth potential. Innovation must be a process that can be counted on to provide repetitive, sustainable, long-term performance improvements. As such, it needs not depend on great breakthroughs in technology and concepts (which are accidental and rare). Rather, it could be based on bold evolution through the establishment of know-how, application of best practices, process effectiveness and high standards, performance measurement, and attention to

  8. Bird on Your Smartphone: How to make identification faster?

    Science.gov (United States)

    Hidayat, T.; Kurniawan, I. S.; Tapilow, F. S.

    2018-01-01

    Identification skills of students are needed in the field activities of animal ecology course. Good identification skills will help students to understand the traits, determine differences and similarities in order to naming of birds’ species. This study aims to describe the identification skill of students by using smart phone applications designed in such a way as a support in the field activities. Research method used was quasi experiment involving 60 students which were divided into two groups, one group that use smartphone applications (SA) and other group using a guidebook (GB). This study was carried out in the classroom and outside (the field). Instruments used in this research included tests and questionnaire. The identification skills were measured by tests, indicated by an average score (AS). The results showed that the identification skills of SA students were higher (AS = 3.12) than those of GB one (AS = 2.91). These results are in accordance with response of students. The most of students (90.08%) mentioned that the use of smart phone applications in identifying birds is helpful, more effective and convenience to make identification faster. For further implementation, however, performance of the smartphone used here need to be enhanced to improve the identification skills of students and for wider use.

  9. Faster Double-Size Bipartite Multiplication out of Montgomery Multipliers

    Science.gov (United States)

    Yoshino, Masayuki; Okeya, Katsuyuki; Vuillaume, Camille

    This paper proposes novel algorithms for computing double-size modular multiplications with few modulus-dependent precomputations. Low-end devices such as smartcards are usually equipped with hardware Montgomery multipliers. However, due to progresses of mathematical attacks, security institutions such as NIST have steadily demanded longer bit-lengths for public-key cryptography, making the multipliers quickly obsolete. In an attempt to extend the lifespan of such multipliers, double-size techniques compute modular multiplications with twice the bit-length of the multipliers. Techniques are known for extending the bit-length of classical Euclidean multipliers, of Montgomery multipliers and the combination thereof, namely bipartite multipliers. However, unlike classical and bipartite multiplications, Montgomery multiplications involve modulus-dependent precomputations, which amount to a large part of an RSA encryption or signature verification. The proposed double-size technique simulates double-size multiplications based on single-size Montgomery multipliers, and yet precomputations are essentially free: in an 2048-bit RSA encryption or signature verification with public exponent e=216+1, the proposal with a 1024-bit Montgomery multiplier is at least 1.5 times faster than previous double-size Montgomery multiplications.

  10. A piece of paper falling faster than free fall

    International Nuclear Information System (INIS)

    Vera, F; Rivera, R

    2011-01-01

    We report a simple experiment that clearly demonstrates a common error in the explanation of the classic experiment where a small piece of paper is put over a book and the system is let fall. This classic demonstration is used in introductory physics courses to show that after eliminating the friction force with the air, the piece of paper falls with acceleration g. To test if the paper falls behind the book in a nearly free fall motion or if it is dragged by the book, we designed a version of this experiment that includes a ball and a piece of paper over a book that is forced to fall using elastic cords. We recorded a video of our experiment using a high-speed video camera at 300 frames per second that shows that the book and the paper fall faster than the ball, which falls well behind the book with an acceleration approximately equal to g. Our experiment shows that the piece of paper is dragged behind the book and therefore the paper and book demonstration should not be used to show that all objects fall with acceleration g independently of their mass.

  11. Higher Resolution and Faster MRI of 31Phosphorus in Bone

    Science.gov (United States)

    Frey, Merideth; Barrett, Sean; Sethna, Zachary; Insogna, Karl; Vanhouten, Joshua

    2013-03-01

    Probing the internal composition of bone on the sub-100 μm length scale is important to study normal features and to look for signs of disease. However, few useful non-destructive techniques are available to evaluate changes in the bone mineral chemical structure and functional micro-architecture on the interior of bones. MRI would be an excellent candidate, but bone is a particularly challenging tissue to study given the relatively low water density, wider linewidths of its solid components leading to low spatial resolution, and the long imaging time compared to conventional 1H MRI. Our lab has recently made advances in obtaining high spatial resolution (sub-400 μm)3 three-dimensional 31Phosphorus MRI of bone through use of the quadratic echo line-narrowing sequence (1). In this talk, we describe our current results using proton decoupling to push this technique even further towards the factor of 1000 increase in spatial resolution imposed by fundamental limits. We also discuss our work to speed up imaging through novel, faster reconstruction algorithms that can reconstruct the desired image from very sparse data sets. (1) M. Frey, et al. PNAS 109: 5190 (2012).

  12. Hexagonal undersampling for faster MRI near metallic implants.

    Science.gov (United States)

    Sveinsson, Bragi; Worters, Pauline W; Gold, Garry E; Hargreaves, Brian A

    2015-02-01

    Slice encoding for metal artifact correction acquires a three-dimensional image of each excited slice with view-angle tilting to reduce slice and readout direction artifacts respectively, but requires additional imaging time. The purpose of this study was to provide a technique for faster imaging around metallic implants by undersampling k-space. Assuming that areas of slice distortion are localized, hexagonal sampling can reduce imaging time by 50% compared with conventional scans. This work demonstrates this technique by comparisons of fully sampled images with undersampled images, either from simulations from fully acquired data or from data actually undersampled during acquisition, in patients and phantoms. Hexagonal sampling is also shown to be compatible with parallel imaging and partial Fourier acquisitions. Image quality was evaluated using a structural similarity (SSIM) index. Images acquired with hexagonal undersampling had no visible difference in artifact suppression from fully sampled images. The SSIM index indicated high similarity to fully sampled images in all cases. The study demonstrates the ability to reduce scan time by undersampling without compromising image quality. © 2014 Wiley Periodicals, Inc.

  13. A piece of paper falling faster than free fall

    Energy Technology Data Exchange (ETDEWEB)

    Vera, F; Rivera, R, E-mail: fvera@ucv.cl [Instituto de Fisica, Pontificia Universidad Catolica de ValparaIso, Av. Universidad 330, Curauma, ValparaIso (Chile)

    2011-09-15

    We report a simple experiment that clearly demonstrates a common error in the explanation of the classic experiment where a small piece of paper is put over a book and the system is let fall. This classic demonstration is used in introductory physics courses to show that after eliminating the friction force with the air, the piece of paper falls with acceleration g. To test if the paper falls behind the book in a nearly free fall motion or if it is dragged by the book, we designed a version of this experiment that includes a ball and a piece of paper over a book that is forced to fall using elastic cords. We recorded a video of our experiment using a high-speed video camera at 300 frames per second that shows that the book and the paper fall faster than the ball, which falls well behind the book with an acceleration approximately equal to g. Our experiment shows that the piece of paper is dragged behind the book and therefore the paper and book demonstration should not be used to show that all objects fall with acceleration g independently of their mass.

  14. Learning Faster by Discovering and Exploiting Object Similarities

    Directory of Open Access Journals (Sweden)

    Tadej Janež

    2013-03-01

    Full Text Available In this paper we explore the question: “Is it possible to speed up the learning process of an autonomous agent by performing experiments in a more complex environment (i.e., an environment with a greater number of different objects?” To this end, we use a simple robotic domain, where the robot has to learn a qualitative model predicting the change in the robot's distance to an object. To quantify the environment's complexity, we defined cardinal complexity as the number of objects in the robot's world, and behavioural complexity as the number of objects' distinct behaviours. We propose Error reduction merging (ERM, a new learning method that automatically discovers similarities in the structure of the agent's environment. ERM identifies different types of objects solely from the data measured and merges the observations of objects that behave in the same or similar way in order to speed up the agent's learning. We performed a series of experiments in worlds of increasing complexity. The results in our simple domain indicate that ERM was capable of discovering structural similarities in the data which indeed made the learning faster, clearly superior to conventional learning. This observed trend occurred with various machine learning algorithms used inside the ERM method.

  15. Skin graft donor site: a procedure for a faster healing.

    Science.gov (United States)

    Cuomo, Roberto; Grimaldi, Luca; Brandi, Cesare; Nisi, Giuseppe; D'Aniello, Carlo

    2017-10-23

    The authors want to evaluate the efficacy of fibrillary tabotamp dressing in skin graft-donor site. A comparison was made with Vaseline gauzes. Tabotamp is an absorbable haemostatic product of Ethicon (Johnson and Johnson) obtained by sterile and oxidized regenerated cellulose (Rayon). It is used for mild to moderate bleeding. 276 patients were subject to skin graft and divided into two group: Group A and Group B. The donor site of patients in Group A was medicated with fibrillary tabotamp, while the patients of Group B were medicated only with Vaseline gauze. We recorded infection, timing of healing, number of dressing change, the pain felt during and after the dressing change with visual analog scale (VAS) and a questionnaire. Patients allocated in Group A healed faster than the Group B. Questionnaires and VAS analysis showed lower pain felt, lower intake of pain drugs and lower infection rate in the Group A than the Group B. Analysis of coast showed lower dressing change in Group A than the Group B. We believe that the use of tabotamp is a very viable alternative to improve healing.

  16. Causal events enter awareness faster than non-causal events

    Directory of Open Access Journals (Sweden)

    Pieter Moors

    2017-01-01

    Full Text Available Philosophers have long argued that causality cannot be directly observed but requires a conscious inference (Hume, 1967. Albert Michotte however developed numerous visual phenomena in which people seemed to perceive causality akin to primary visual properties like colour or motion (Michotte, 1946. Michotte claimed that the perception of causality did not require a conscious, deliberate inference but, working over 70 years ago, he did not have access to the experimental methods to test this claim. Here we employ Continuous Flash Suppression (CFS—an interocular suppression technique to render stimuli invisible (Tsuchiya & Koch, 2005—to test whether causal events enter awareness faster than non-causal events. We presented observers with ‘causal’ and ‘non-causal’ events, and found consistent evidence that participants become aware of causal events more rapidly than non-causal events. Our results suggest that, whilst causality must be inferred from sensory evidence, this inference might be computed at low levels of perceptual processing, and does not depend on a deliberative conscious evaluation of the stimulus. This work therefore supports Michotte’s contention that, like colour or motion, causality is an immediate property of our perception of the world.

  17. Shampoo-clay heals diaper rash faster than calendula officinalis.

    Science.gov (United States)

    Adib-Hajbaghery, Mohsen; Mahmoudi, Mansoreh; Mashaiekhi, Mahdi

    2014-06-01

    Diaper rash is one of the most common skin disorders of infancy and childhood. Some studies have shown that Shampoo-clay was effective to treat chronic dermatitis. Then, it is supposed that it may be effective in diaper rash; however, no published studies were found in this regard. This study aimed to compare the effects of Shampoo-clay (S.C) and Calendula officinalis (C.O) to improve infantile diaper rash. A randomized, double blind, parallel controlled, non-inferiority trial was conducted on 60 outpatient infants referred to health care centers or pediatric clinics in Khomein city and diagnosed with diaper rash. Patients were randomly assigned into two treatment groups including S.C group (n = 30) and C.O group (n = 30) by using one to one allocation ratio. The rate of complete recovery in three days was the primary outcome. Data was collected using a checklist and analyzed using t-test, Chi-square and Fisher's exact tests and risk ratio. Totally, 93.3% of lesions in the S.C group healed in the first 6 hours, while this rate was 40% in C.O group (P < 0.001). The healing ratio for improvement in the first 6 hours was 7 times more in the S.C group. In addition, 90% of infants in the SC group and 36.7% in the C.O group were improved completely in the first 3 days (P < 0.001). S.C was effective to heal diaper rash, and also had faster effects compared to C.O.

  18. Visual Motion Processing Subserves Faster Visuomotor Reaction in Badminton Players.

    Science.gov (United States)

    Hülsdünker, Thorben; Strüder, Heiko K; Mierau, Andreas

    2017-06-01

    Athletes participating in ball or racquet sports have to respond to visual stimuli under critical time pressure. Previous studies used visual contrast stimuli to determine visual perception and visuomotor reaction in athletes and nonathletes; however, ball and racquet sports are characterized by motion rather than contrast visual cues. Because visual contrast and motion signals are processed in different cortical regions, this study aimed to determine differences in perception and processing of visual motion between athletes and nonathletes. Twenty-five skilled badminton players and 28 age-matched nonathletic controls participated in this study. Using a 64-channel EEG system, we investigated visual motion perception/processing in the motion-sensitive middle temporal (MT) cortical area in response to radial motion of different velocities. In a simple visuomotor reaction task, visuomotor transformation in Brodmann area 6 (BA6) and BA4 as well as muscular activation (EMG onset) and visuomotor reaction time (VMRT) were investigated. Stimulus- and response-locked potentials were determined to differentiate between perceptual and motor-related processes. As compared with nonathletes, athletes showed earlier EMG onset times (217 vs 178 ms, P < 0.001), accompanied by a faster VMRT (274 vs 243 ms, P < 0.001). Furthermore, athletes showed an earlier stimulus-locked peak activation of MT (200 vs 182 ms, P = 0.002) and BA6 (161 vs 137 ms, P = 0.009). Response-locked peak activation in MT was later in athletes (-7 vs 26 ms, P < 0.001), whereas no group differences were observed in BA6 and BA4. Multiple regression analyses with stimulus- and response-locked cortical potentials predicted EMG onset (r = 0.83) and VMRT (r = 0.77). The athletes' superior visuomotor performance in response to visual motion is primarily related to visual perception and, to a minor degree, to motor-related processes.

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

    Directory of Open Access Journals (Sweden)

    G van der Westhuizen

    2014-08-01

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

  20. 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.

  1. 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.

  2. 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.

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

    OpenAIRE

    Ogura, Yoshiaki; Yamori, Nobuyoshi

    2009-01-01

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

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

    OpenAIRE

    M. Cotugno; S. Monferrà; G. Sampagnaro

    2013-01-01

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

  5. Computer Simulation Lends New Insights Into Cyanide-Caused Cardiac Toxicity

    Science.gov (United States)

    2004-12-01

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

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

    OpenAIRE

    Ongena, Steven; Schindele, Ibolya; Vonnák, Dzsamila

    2014-01-01

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

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

    OpenAIRE

    Heid, Frank; Krüger, Ulrich

    2011-01-01

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

  8. The Sharing Economy and Collaborative Finance: the Case of P2p Lending in Vietnam

    OpenAIRE

    Uyen, Tran Dinh; Ha, Hoang

    2017-01-01

    Peer-to-peer Online Lending (P2PO) has received increasing attention over the last years, not only because of its disruptive nature and its disintermediation of nearly all major banking functions, but also because of its rapid growth and expanding breadth of services. This model offers a new way of investing in addition to investing in traditional channels such as banking or financial company. The transaction process is done online, the personal information and terms of mobilization are compl...

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

    OpenAIRE

    Sven C. Berger; Fabian Gleisner

    2009-01-01

    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 reduci...

  10. 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.

  11. 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.

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

    Science.gov (United States)

    Schurmann, Anna T; Johnston, Heidi Bart

    2009-08-01

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

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

    Science.gov (United States)

    Johnston, Heidi Bart

    2009-01-01

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

  14. 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.

  15. 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.

  16. 17 CFR 240.3a5-3 - Exemption from the definition of “dealer” for banks engaging in securities lending transactions.

    Science.gov (United States)

    2010-04-01

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

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

    Directory of Open Access Journals (Sweden)

    Corlia Maritha van Heerden

    2018-03-01

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

  18. 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.

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

    OpenAIRE

    Bruns, Volker

    2004-01-01

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

  20. 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.

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

    Directory of Open Access Journals (Sweden)

    Sankarshan Acharya

    2016-06-01

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

  2. 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.

  3. 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

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

    OpenAIRE

    Mahardhika, Galih Satria

    2017-01-01

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

  5. Faster Increases in Human Life Expectancy Could Lead to Slower Population Aging

    Science.gov (United States)

    2015-01-01

    Counterintuitively, faster increases in human life expectancy could lead to slower population aging. The conventional view that faster increases in human life expectancy would lead to faster population aging is based on the assumption that people become old at a fixed chronological age. A preferable alternative is to base measures of aging on people’s time left to death, because this is more closely related to the characteristics that are associated with old age. Using this alternative interpretation, we show that faster increases in life expectancy would lead to slower population aging. Among other things, this finding affects the assessment of the speed at which countries will age. PMID:25876033

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

    Science.gov (United States)

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

    2007-11-01

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

  7. 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.

  8. Reading faster

    Directory of Open Access Journals (Sweden)

    Paul Nation

    2009-12-01

    Full Text Available This article describes the visual nature of the reading process as it relates to reading speed. It points out that there is a physical limit on normal reading speed and beyond this limit the reading process will be different from normal reading where almost every word is attended to. The article describes a range of activities for developing reading fluency, and suggests how the development of fluency can become part of a reading programme.

  9. 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.

  10. 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.

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

    OpenAIRE

    Barasinska, Nataliya; Schäfer, Dorothea

    2010-01-01

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

  12. 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.

  13. 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.

  14. Credit booms and lending standards : Evidence from the subprime mortgage market

    NARCIS (Netherlands)

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

    2012-01-01

    This paper links the U.S. subprime mortgage crisis to demand-side factors that contributed to the rapid expansion of the U.S. mortgage market. We show that denial rates were relatively lower in areas that experienced faster credit demand growth and that lenders in these high-growth areas attached

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

    Directory of Open Access Journals (Sweden)

    Ho Thanh Tung

    2017-10-01

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

  16. 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

  17. 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...

  18. 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.

  19. Surveillance of peer to peer payment systems and peer to peer lending platforms

    OpenAIRE

    Faia, Ester

    2014-01-01

    Financial innovation is, as usual, faster than regulation. New forms of speculation and intermediation are rapidly emerging. Largely as a result of the evaporation of trust in financial intermediation, an exponentially increasing role is being played by the so-called peer to peer intermediation. The most prominent example at the moment is Bitcoin. If one expects that shocks in these markets could destabilize also traditional financial markets, then it will be necessary to extend regulatory me...

  20. 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.

  1. 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.

  2. Short-term lending: Payday loans as risk factors for anxiety, inflammation and poor health.

    Science.gov (United States)

    Sweet, Elizabeth; Kuzawa, Christopher W; McDade, Thomas W

    2018-08-01

    While research now consistently links consumer financial debt with adverse emotional health outcomes, specific forms of debt and their impact on measures of physical health are underexplored. This gap in knowledge is significant because different forms of loans and debt may have different experiential qualities. In this paper, we focus on a type of unsecured debt - short-term/payday loan borrowing - that has risen dramatically in recent decades in the United States and is characterized by predatory, discriminatory, and poorly regulated lending practices. Using data from a study of debt and health among adults in Boston, MA (n=286), we test whether short-term borrowing is associated with a range of emotional and physical health indicators. We find that short-term loans are associated with higher body mass index, waist circumference, C-reactive protein levels, and self-reported symptoms of physical health, sexual health, and anxiety, after controlling for several socio-demographic covariates. We discuss these findings within the contexts of regulatory shortcomings, psychosocial stress, and racial and economic credit disparities. We suggest that within the broader context of financial debt and health, short-term loans should be considered a specific risk to population health.

  3. 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 ...

  4. A simplified implementation of edge detection in MATLAB is faster and more sensitive than fast fourier transform for actin fiber alignment quantification.

    Science.gov (United States)

    Kemeny, Steven Frank; Clyne, Alisa Morss

    2011-04-01

    Fiber alignment plays a critical role in the structure and function of cells and tissues. While fiber alignment quantification is important to experimental analysis and several different methods for quantifying fiber alignment exist, many studies focus on qualitative rather than quantitative analysis perhaps due to the complexity of current fiber alignment methods. Speed and sensitivity were compared in edge detection and fast Fourier transform (FFT) for measuring actin fiber alignment in cells exposed to shear stress. While edge detection using matrix multiplication was consistently more sensitive than FFT, image processing time was significantly longer. However, when MATLAB functions were used to implement edge detection, MATLAB's efficient element-by-element calculations and fast filtering techniques reduced computation cost 100 times compared to the matrix multiplication edge detection method. The new computation time was comparable to the FFT method, and MATLAB edge detection produced well-distributed fiber angle distributions that statistically distinguished aligned and unaligned fibers in half as many sample images. When the FFT sensitivity was improved by dividing images into smaller subsections, processing time grew larger than the time required for MATLAB edge detection. Implementation of edge detection in MATLAB is simpler, faster, and more sensitive than FFT for fiber alignment quantification.

  5. No evidence for faster male hybrid sterility in population crosses of an intertidal copepod (Tigriopus californicus).

    Science.gov (United States)

    Willett, Christopher S

    2008-06-01

    Two different forces are thought to contribute to the rapid accumulation of hybrid male sterility that has been observed in many inter-specific crosses, namely the faster male and the dominance theories. For male heterogametic taxa, both faster male and dominance would work in the same direction to cause the rapid evolution of male sterility; however, for taxa lacking differentiated sex chromosomes only the faster male theory would explain the rapid evolution of male hybrid sterility. It is currently unknown what causes the faster evolution of male sterility, but increased sexual selection on males and the sensitivity of genes involved in male reproduction are two hypotheses that could explain the observation. Here, patterns of hybrid sterility in crosses of genetically divergent copepod populations are examined to test potential mechanisms of faster male evolution. The study species, Tigriopus californicus, lacks differentiated, hemizygous sex chromosomes and appears to have low levels of divergence caused by sexual selection acting upon males. Hybrid sterility does not accumulate more rapidly in males than females in these crosses suggesting that in this taxon male reproductive genes are not inherently more prone to disruption in hybrids.

  6. Vehicle parts detection based on Faster - RCNN with location constraints of vehicle parts feature point

    Science.gov (United States)

    Yang, Liqin; Sang, Nong; Gao, Changxin

    2018-03-01

    Vehicle parts detection plays an important role in public transportation safety and mobility. The detection of vehicle parts is to detect the position of each vehicle part. We propose a new approach by combining Faster RCNN and three level cascaded convolutional neural network (DCNN). The output of Faster RCNN is a series of bounding boxes with coordinate information, from which we can locate vehicle parts. DCNN can precisely predict feature point position, which is the center of vehicle part. We design an output strategy by combining these two results. There are two advantages for this. The quality of the bounding boxes are greatly improved, which means vehicle parts feature point position can be located more precise. Meanwhile we preserve the position relationship between vehicle parts and effectively improve the validity and reliability of the result. By using our algorithm, the performance of the vehicle parts detection improve obviously compared with Faster RCNN.

  7. The Faster, Better, Cheaper Approach to Space Missions: An Engineering Management Assessment

    Science.gov (United States)

    Hamaker, Joe

    2000-01-01

    This paper describes, in viewgraph form, the faster, better, cheaper approach to space missions. The topics include: 1) What drives "Faster, Better, Cheaper"? 2) Why Space Programs are Costly; 3) Background; 4) Aerospace Project Management (Old Culture); 5) Aerospace Project Management (New Culture); 6) Scope of Analysis Limited to Engineering Management Culture; 7) Qualitative Analysis; 8) Some Basic Principles of the New Culture; 9) Cause and Effect; 10) "New Ways of Doing Business" Survey Results; 11) Quantitative Analysis; 12) Recent Space System Cost Trends; 13) Spacecraft Dry Weight Trend; 14) Complexity Factor Trends; 15) Cost Normalization; 16) Cost Normalization Algorithm; 17) Unnormalized Cost vs. Normalized Cost; and 18) Concluding Observations.

  8. Real-time vehicle detection and tracking in video based on faster R-CNN

    Science.gov (United States)

    Zhang, Yongjie; Wang, Jian; Yang, Xin

    2017-08-01

    Vehicle detection and tracking is a significant part in auxiliary vehicle driving system. Using the traditional detection method based on image information has encountered enormous difficulties, especially in complex background. To solve this problem, a detection method based on deep learning, Faster R-CNN, which has very high detection accuracy and flexibility, is introduced. An algorithm of target tracking with the combination of Camshift and Kalman filter is proposed for vehicle tracking. The computation time of Faster R-CNN cannot achieve realtime detection. We use multi-thread technique to detect and track vehicle by parallel computation for real-time application.

  9. Dedicated workspaces: Faster resumption times and reduced cognitive load in sequential multitasking

    DEFF Research Database (Denmark)

    Jeuris, Steven; Bardram, Jakob Eyvind

    2016-01-01

    Studies show that virtual desktops have become a widespread approach to window management within desktop environments. However, despite their success, there is no experimental evidence of their effect on multitasking. In this paper, we present an experimental study incorporating 16 participants...... to perform the same tasks. Results show that adopting virtual desktops as dedicated workspaces allows for faster task resumption (10 s faster on average) and reduced cognitive load during sequential multitasking. Within our experiment the majority of users already benefited from using dedicated workspaces...

  10. 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.

  11. 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.

  12. 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

  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. Breaking the Myth That Relay Swimming Is Faster Than Individual Swimming.

    Science.gov (United States)

    Skorski, Sabrina; Etxebarria, Naroa; Thompson, Kevin G

    2016-04-01

    To investigate if swimming performance is better in a relay race than in the corresponding individual race. The authors analyzed 166 elite male swimmers from 15 nations in the same competition (downloaded from www.swimrankings.net). Of 778 observed races, 144 were Olympic Games performances (2000, 2004, 2012), with the remaining 634 performed in national or international competitions. The races were 100-m (n = 436) and 200-m (n = 342) freestyle events. Relay performance times for the 2nd-4th swimmers were adjusted (+ 0.73 s) to allow for the "flying start." Without any adjustment, mean individual relay performances were significantly faster for the first 50 m and overall time in the 100-m events. Furthermore, the first 100 m of the 200-m relay was significantly faster (P > .001). During relays, swimmers competing in 1st position did not show any difference compared with their corresponding individual performance (P > .16). However, swimmers competing in 2nd-4th relay-team positions demonstrated significantly faster times in the 100-m (P individual events (P team positions were adjusted for the flying start no differences were detected between relay and individual race performance for any event or split time (P > .17). Highly trained swimmers do not swim (or turn) faster in relay events than in their individual races. Relay exchange times account for the difference observed in individual vs relay performance.

  16. Pedestrian crowd dynamics in merging sections: Revisiting the ;faster-is-slower; phenomenon

    Science.gov (United States)

    Shahhoseini, Zahra; Sarvi, Majid; Saberi, Meead

    2018-02-01

    The study of the discharge of active or self-driven matter in narrow passages has become of the growing interest in a variety of fields. The question has particularly important practical applications for the safety of pedestrian human flows notably in emergency scenarios. It has been suggested predominantly through simulation in some theoretical studies as well as through few experimentations that under certain circumstances, an elevated vigour to escape may exacerbate the outflow and cause further delay although the experimental evidence is rather mixed. The dimensions of this complex phenomenon known as the "faster-is slower" effect are of crucial importance to be understood owing to its potential practical implications for the emergency management. The contextual requirements of observing this phenomenon are yet to be identified. It is not clear whether a "do not speed up" policy is universally beneficial and advisable in an evacuation scenario. Here for the first time we experimentally examine this phenomenon in relation to the pedestrian flows at merging sections as a common geometric feature of crowd egress. Various merging angles and three different speed regimes were examined in high-density laboratory experiments. The measurements of flow interruptions and egress efficiency all indicated that the pedestrians were discharged faster when moving at elevated speed levels. We also observed clear dependencies between the discharge rate and the physical layout of the merging with certain designs clearly outperforming others. But regardless of the design, we observed faster throughput and greater avalanche sizes when we instructed pedestrians to run. Our results give the suggestion that observation of the faster-is-slower effect may necessitate certain critical conditions including passages being overly narrow relative to the size of participles (pedestrians) to create long-lasting blockages. The faster-is-slower assumption may not be universal and there may be

  17. Motivational salience signal in the basal forebrain is coupled with faster and more precise decision speed.

    Science.gov (United States)

    Avila, Irene; Lin, Shih-Chieh

    2014-03-01

    The survival of animals depends critically on prioritizing responses to motivationally salient stimuli. While it is generally believed that motivational salience increases decision speed, the quantitative relationship between motivational salience and decision speed, measured by reaction time (RT), remains unclear. Here we show that the neural correlate of motivational salience in the basal forebrain (BF), defined independently of RT, is coupled with faster and also more precise decision speed. In rats performing a reward-biased simple RT task, motivational salience was encoded by BF bursting response that occurred before RT. We found that faster RTs were tightly coupled with stronger BF motivational salience signals. Furthermore, the fraction of RT variability reflecting the contribution of intrinsic noise in the decision-making process was actively suppressed in faster RT distributions with stronger BF motivational salience signals. Artificially augmenting the BF motivational salience signal via electrical stimulation led to faster and more precise RTs and supports a causal relationship. Together, these results not only describe for the first time, to our knowledge, the quantitative relationship between motivational salience and faster decision speed, they also reveal the quantitative coupling relationship between motivational salience and more precise RT. Our results further establish the existence of an early and previously unrecognized step in the decision-making process that determines both the RT speed and variability of the entire decision-making process and suggest that this novel decision step is dictated largely by the BF motivational salience signal. Finally, our study raises the hypothesis that the dysregulation of decision speed in conditions such as depression, schizophrenia, and cognitive aging may result from the functional impairment of the motivational salience signal encoded by the poorly understood noncholinergic BF neurons.

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

    OpenAIRE

    John Ashton; Robert S. Hudson

    2011-01-01

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

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

    OpenAIRE

    Jane Bogoev

    2011-01-01

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

  20. Experimental study of electromagnetic radiation from a faster-than-light vacuum macroscopic source

    Energy Technology Data Exchange (ETDEWEB)

    Bessarab, A.V. [Russian Federal Nuclear Center-All-Russia Scientific Research Institute of Experimental Physics, Sarov, Nizhni Novgorod region, 607188 (Russian Federation); Martynenko, S.P. [Russian Federal Nuclear Center-All-Russia Scientific Research Institute of Experimental Physics, Sarov, Nizhni Novgorod region, 607188 (Russian Federation); Prudkoi, N.A. [Russian Federal Nuclear Center-All-Russia Scientific Research Institute of Experimental Physics, Sarov, Nizhni Novgorod region, 607188 (Russian Federation); Soldatov, A.V. [Russian Federal Nuclear Center-All-Russia Scientific Research Institute of Experimental Physics, Sarov, Nizhni Novgorod region, 607188 (Russian Federation)]. E-mail: soldatov@vniief.ru; Terekhin, V.A. [Russian Federal Nuclear Center-All-Russia Scientific Research Institute of Experimental Physics, Sarov, Nizhni Novgorod region, 607188 (Russian Federation)

    2006-08-15

    The effect which manifests itself in the form of directed electromagnetic pulses (EMP) initiated by an X-ray incident obliquely upon a conducting surface has been confirmed and investigated experimentally in detail. A planar accelerating diode comprising a metallic cathode and grid anode was initiated with an oblique short soft-X-ray pulse from a point laser-plasma source. Then a source of directed EMP-a current of accelerated photoelectrons-was formed whose boundary ran along the anode external surface with a faster-than-light velocity. The plasma was formed when short-pulse ({approx}0.3ns) laser radiation from ISKRA-5 facility was focused on a plane Au target. The amplitude-in-time and spatial characteristics of radiation emitted by the faster-than-light source have been measured. Parameters of the accelerated electron current have been measured too.

  1. Withholding response to self-face is faster than to other-face.

    Science.gov (United States)

    Zhu, Min; Hu, Yinying; Tang, Xiaochen; Luo, Junlong; Gao, Xiangping

    2015-01-01

    Self-face advantage refers to adults' response to self-face is faster than that to other-face. A stop-signal task was used to explore how self-face advantage interacted with response inhibition. The results showed that reaction times of self-face were faster than that of other-face not in the go task but in the stop response trials. The novelty of the finding was that self-face has shorter stop-signal reaction time compared to other-face in the successful inhibition trials. These results indicated the processing mechanism of self-face may be characterized by a strong response tendency and a corresponding strong inhibition control.

  2. Object Detection Based on Fast/Faster RCNN Employing Fully Convolutional Architectures

    Directory of Open Access Journals (Sweden)

    Yun Ren

    2018-01-01

    Full Text Available Modern object detectors always include two major parts: a feature extractor and a feature classifier as same as traditional object detectors. The deeper and wider convolutional architectures are adopted as the feature extractor at present. However, many notable object detection systems such as Fast/Faster RCNN only consider simple fully connected layers as the feature classifier. In this paper, we declare that it is beneficial for the detection performance to elaboratively design deep convolutional networks (ConvNets of various depths for feature classification, especially using the fully convolutional architectures. In addition, this paper also demonstrates how to employ the fully convolutional architectures in the Fast/Faster RCNN. Experimental results show that a classifier based on convolutional layer is more effective for object detection than that based on fully connected layer and that the better detection performance can be achieved by employing deeper ConvNets as the feature classifier.

  3. Investigating the Mpemba Effect: When Hot Water Freezes Faster than Cold Water

    Science.gov (United States)

    Ibekwe, R. T.; Cullerne, J. P.

    2016-01-01

    Under certain conditions a body of hot liquid may cool faster and freeze before a body of colder liquid, a phenomenon known as the Mpemba Effect. An initial difference in temperature of 3.2 °C enabled warmer water to reach 0 °C in 14% less time than colder water. Convection currents in the liquid generate a temperature gradient that causes more…

  4. Faster dissolution of PuO2 in nitrous media by means of electrolytic oxidation

    International Nuclear Information System (INIS)

    Baumgaertner, F.; Kim, J.I.; Luckner, N.; Brueckl, N.; Lieberer, E.

    1984-03-01

    The contribution shows that the dissolution of PuO 2 in HNO 3 can be accelerated considerably by means of electrolytic oxidation. A glass apparatus has been developed which uses platinum electrodes providing for sufficient contact between electrodes and solids. Increase of temperature, acid concentration, and electrode current density, and a good contact between electrode and metal oxide will improve the dissolution kinetics. The reaction could be made even faster by addition of Ce 4+ . (orig.) [de

  5. Earlier time to aerobic exercise is associated with faster recovery following acute sport concussion.

    Science.gov (United States)

    Lawrence, David Wyndham; Richards, Doug; Comper, Paul; Hutchison, Michael G

    2018-01-01

    To determine whether earlier time to initiation of aerobic exercise following acute concussion is associated with time to full return to (1) sport and (2) school or work. A retrospective stratified propensity score survival analysis of acute (≤14 days) concussion was used to determine whether time (days) to initiation of aerobic exercise post-concussion was associated with, both, time (days) to full return to (1) sport and (2) school or work. A total of 253 acute concussions [median (IQR) age, 17.0 (15.0-20.0) years; 148 (58.5%) males] were included in this study. Multivariate Cox regression models identified that earlier time to aerobic exercise was associated with faster return to sport and school/work adjusting for other covariates, including quintile propensity strata. For each successive day in delay to initiation of aerobic exercise, individuals had a less favourable recovery trajectory. Initiating aerobic exercise at 3 and 7 days following injury was associated with a respective 36.5% (HR, 0.63; 95% CI, 0.53-0.76) and 73.2% (HR, 0.27; 95% CI, 0.16-0.45) reduced probability of faster full return to sport compared to within 1 day; and a respective 45.9% (HR, 0.54; 95% CI, 0.44-0.66) and 83.1% (HR, 0.17; 95% CI, 0.10-0.30) reduced probability of faster full return to school/work. Additionally, concussion history, symptom severity, LOC deleteriously influenced concussion recovery. Earlier initiation of aerobic exercise was associated with faster full return to sport and school or work. This study provides greater insight into the benefits and safety of aerobic exercise within the first week of the injury.

  6. Learning to Play in a Day: Faster Deep Reinforcement Learning by Optimality Tightening

    OpenAIRE

    He, Frank S.; Liu, Yang; Schwing, Alexander G.; Peng, Jian

    2016-01-01

    We propose a novel training algorithm for reinforcement learning which combines the strength of deep Q-learning with a constrained optimization approach to tighten optimality and encourage faster reward propagation. Our novel technique makes deep reinforcement learning more practical by drastically reducing the training time. We evaluate the performance of our approach on the 49 games of the challenging Arcade Learning Environment, and report significant improvements in both training time and...

  7. The Impact of the Basel III Liquidity Regulations on the Bank Lending Channel: A Luxembourg case study

    OpenAIRE

    Gaston Giordana; Ingmar Schumacher

    2011-01-01

    In this paper we study the impact of the Basel III liquidity regulations, namely the Liquidity Coverage Ratio (LCR) and the Net Stable Funding Ratio (NSFR), on the bank lending channel in Luxembourg. For this aim we built, based on individual bank data, time series of the LCR and NSFR for a sample of banks covering between 82% and 100% of total assets of the banking sector. Additionally, we simulated the optimal balance sheet adjustments needed to adhere to the regulations. We extend the exis...

  8. A randomized intervention trial to reduce the lending of used injection equipment among injection drug users infected with hepatitis C.

    Science.gov (United States)

    Latka, Mary H; Hagan, Holly; Kapadia, Farzana; Golub, Elizabeth T; Bonner, Sebastian; Campbell, Jennifer V; Coady, Micaela H; Garfein, Richard S; Pu, Minya; Thomas, Dave L; Thiel, Thelma K; Strathdee, Steffanie A

    2008-05-01

    We evaluated the efficacy of a peer-mentoring behavioral intervention designed to reduce risky distributive injection practices (e.g., syringe lending, unsafe drug preparation) among injection drug users with hepatitis C virus (HCV) infection. A randomized trial with a time-equivalent attention-control group was conducted among 418 HCV-positive injection drug users aged 18 to 35 years in 3 US cities. Participants reported their injection-related behaviors at baseline and at 3- and 6-month follow-ups. Compared with the control group, intervention-group participants were less likely to report distributive risk behaviors at 3 months (odds ratio [OR]=0.46; 95% confidence interval [CI]=0.27, 0.79) and 6 months (OR=0.51; 95% CI=0.31, 0.83), a 26% relative risk reduction, but were no more likely to cite their HCV-positive status as a reason for refraining from syringe lending. Effects were strongest among intervention-group participants who had known their HCV-positive status for at least 6 months. Peer mentoring and self-efficacy were significantly increased among intervention-group participants, and intervention effects were mediated through improved self-efficacy. This behavioral intervention reduced unsafe injection practices that may propagate HCV among injection drug users.

  9. Faster Smith-Waterman database searches with inter-sequence SIMD parallelisation

    Directory of Open Access Journals (Sweden)

    Rognes Torbjørn

    2011-06-01

    Full Text Available Abstract Background The Smith-Waterman algorithm for local sequence alignment is more sensitive than heuristic methods for database searching, but also more time-consuming. The fastest approach to parallelisation with SIMD technology has previously been described by Farrar in 2007. The aim of this study was to explore whether further speed could be gained by other approaches to parallelisation. Results A faster approach and implementation is described and benchmarked. In the new tool SWIPE, residues from sixteen different database sequences are compared in parallel to one query residue. Using a 375 residue query sequence a speed of 106 billion cell updates per second (GCUPS was achieved on a dual Intel Xeon X5650 six-core processor system, which is over six times more rapid than software based on Farrar's 'striped' approach. SWIPE was about 2.5 times faster when the programs used only a single thread. For shorter queries, the increase in speed was larger. SWIPE was about twice as fast as BLAST when using the BLOSUM50 score matrix, while BLAST was about twice as fast as SWIPE for the BLOSUM62 matrix. The software is designed for 64 bit Linux on processors with SSSE3. Source code is available from http://dna.uio.no/swipe/ under the GNU Affero General Public License. Conclusions Efficient parallelisation using SIMD on standard hardware makes it possible to run Smith-Waterman database searches more than six times faster than before. The approach described here could significantly widen the potential application of Smith-Waterman searches. Other applications that require optimal local alignment scores could also benefit from improved performance.

  10. Paying more for faster care? Individuals' attitude toward price-based priority access in health care.

    Science.gov (United States)

    Benning, Tim M; Dellaert, Benedict G C

    2013-05-01

    Increased competition in the health care sector has led hospitals and other health care institutions to experiment with new access allocation policies that move away from traditional expert based allocation of care to price-based priority access (i.e., the option to pay more for faster care). To date, little is known about individuals' attitude toward price-based priority access and the evaluation process underlying this attitude. This paper addresses the role of individuals' evaluations of collective health outcomes as an important driver of their attitude toward (price-based) allocation policies in health care. The authors investigate how individuals evaluate price-based priority access by means of scenario-based survey data collected in a representative sample from the Dutch population (N = 1464). They find that (a) offering individuals the opportunity to pay for faster care negatively affects their evaluations of both the total and distributional collective health outcome achieved, (b) however, when health care supply is not restricted (i.e., when treatment can be offered outside versus within the regular working hours of the hospital) offering price-based priority access affects total collective health outcome evaluations positively instead of negatively, but it does not change distributional collective health outcome evaluations. Furthermore, (c) the type of health care treatment (i.e., life saving liver transplantation treatment vs. life improving cosmetic ear correction treatment - priced at the same level to the individual) moderates the effect of collective health outcome evaluations on individuals' attitude toward allocation policies. For policy makers and hospital managers the results presented in this article are helpful because they provide a better understanding of what drives individuals' preferences for health care allocation policies. In particular, the results show that policies based on the "paying more for faster care" principle are more

  11. Faster native vowel discrimination learning in musicians is mediated by an optimization of mnemonic functions.

    Science.gov (United States)

    Elmer, Stefan; Greber, Marielle; Pushparaj, Arethy; Kühnis, Jürg; Jäncke, Lutz

    2017-09-01

    The ability to discriminate phonemes varying in spectral and temporal attributes constitutes one of the most basic intrinsic elements underlying language learning mechanisms. Since previous work has consistently shown that professional musicians are characterized by perceptual and cognitive advantages in a variety of language-related tasks, and since vowels can be considered musical sounds within the domain of speech, here we investigated the behavioral and electrophysiological correlates of native vowel discrimination learning in a sample of professional musicians and non-musicians. We evaluated the contribution of both the neurophysiological underpinnings of perceptual (i.e., N1/P2 complex) and mnemonic functions (i.e., N400 and P600 responses) while the participants were instructed to judge whether pairs of native consonant-vowel (CV) syllables manipulated in the first formant transition of the vowel (i.e., from /tu/ to /to/) were identical or not. Results clearly demonstrated faster learning in musicians, compared to non-musicians, as reflected by shorter reaction times and higher accuracy. Most notably, in terms of morphology, time course, and voltage strength, this steeper learning curve was accompanied by distinctive N400 and P600 manifestations between the two groups. In contrast, we did not reveal any group differences during the early stages of auditory processing (i.e., N1/P2 complex), suggesting that faster learning was mediated by an optimization of mnemonic but not perceptual functions. Based on a clear taxonomy of the mnemonic functions involved in the task, results are interpreted as pointing to a relationship between faster learning mechanisms in musicians and an optimization of echoic (i.e., N400 component) and working memory (i.e., P600 component) functions. Copyright © 2017 Elsevier Ltd. All rights reserved.

  12. Faster self-paced rate of drinking for alcohol mixed with energy drinks versus alcohol alone.

    Science.gov (United States)

    Marczinski, Cecile A; Fillmore, Mark T; Maloney, Sarah F; Stamates, Amy L

    2017-03-01

    The consumption of alcohol mixed with energy drinks (AmED) has been associated with higher rates of binge drinking and impaired driving when compared with alcohol alone. However, it remains unclear why the risks of use of AmED are heightened compared with alcohol alone even when the doses of alcohol consumed are similar. Therefore, the purpose of this laboratory study was to investigate if the rate of self-paced beverage consumption was faster for a dose of AmED versus alcohol alone using a double-blind, within-subjects, placebo-controlled study design. Participants (n = 16) of equal gender who were social drinkers attended 4 separate test sessions that involved consumption of alcohol (1.97 ml/kg vodka) and energy drinks, alone and in combination. On each test day, the dose assigned was divided into 10 cups. Participants were informed that they would have a 2-h period to consume the 10 drinks. After the self-paced drinking period, participants completed a cued go/no-go reaction time (RT) task and subjective ratings of stimulation and sedation. The results indicated that participants consumed the AmED dose significantly faster (by ∼16 min) than the alcohol dose. For the performance task, participants' mean RTs were slower in the alcohol conditions and faster in the energy-drink conditions. In conclusion, alcohol consumers should be made aware that rapid drinking might occur for AmED beverages, thus heightening alcohol-related safety risks. The fast rate of drinking may be related to the generalized speeding of responses after energy-drink consumption. (PsycINFO Database Record (c) 2017 APA, all rights reserved).

  13. Faster Smith-Waterman database searches with inter-sequence SIMD parallelisation.

    Science.gov (United States)

    Rognes, Torbjørn

    2011-06-01

    The Smith-Waterman algorithm for local sequence alignment is more sensitive than heuristic methods for database searching, but also more time-consuming. The fastest approach to parallelisation with SIMD technology has previously been described by Farrar in 2007. The aim of this study was to explore whether further speed could be gained by other approaches to parallelisation. A faster approach and implementation is described and benchmarked. In the new tool SWIPE, residues from sixteen different database sequences are compared in parallel to one query residue. Using a 375 residue query sequence a speed of 106 billion cell updates per second (GCUPS) was achieved on a dual Intel Xeon X5650 six-core processor system, which is over six times more rapid than software based on Farrar's 'striped' approach. SWIPE was about 2.5 times faster when the programs used only a single thread. For shorter queries, the increase in speed was larger. SWIPE was about twice as fast as BLAST when using the BLOSUM50 score matrix, while BLAST was about twice as fast as SWIPE for the BLOSUM62 matrix. The software is designed for 64 bit Linux on processors with SSSE3. Source code is available from http://dna.uio.no/swipe/ under the GNU Affero General Public License. Efficient parallelisation using SIMD on standard hardware makes it possible to run Smith-Waterman database searches more than six times faster than before. The approach described here could significantly widen the potential application of Smith-Waterman searches. Other applications that require optimal local alignment scores could also benefit from improved performance.

  14. The Faster, Better, Cheaper Approach to Space Missions: An Engineering Management Assessment

    Science.gov (United States)

    Hamaker, Joseph W.

    1999-01-01

    NASA was chartered as an independent civilian space agency in 1958 following the Soviet Union's dramatic launch of the Sputnik 1 (1957). In his state of the union address in May of 1961, President Kennedy issued to the fledging organization his famous challenge for a manned lunar mission by the end of the decade. The Mercury, Gemini and Apollo programs that followed put the utmost value on high quality, low risk (as low as possible within the context of space flight), quick results, all with little regard for cost. These circumstances essentially melded NASAs culture as an organization capable of great technological achievement but at extremely high cost. The Space Shuttle project, the next major agency endeavor, was put under severe annual budget constraints in the 1970's. NASAs response was to hold to the high quality standards, low risk and annual cost and let schedule suffer. The result was a significant delay in the introduction of the Shuttle as well as overall total cost growth. By the early 1990's, because NASA's budget was declining, the number of projects was also declining. Holding the same cost and schedule productivity levels as before was essentially causing NASA to price itself out of business. In 1992, the helm of NASA was turned over to a new Administrator. Dan Goldin's mantra was "faster, better, cheaper" and his enthusiasm and determination to change the NASA culture was not to be ignored. This research paper documents the various implementations of "faster, better, cheaper" that have been attempted, analyzes their impact and compares the cost performance of these new projects to previous NASA benchmarks. Fundamentally, many elements of "faster, better, cheaper" are found to be working well, especially on smaller projects. Some of the initiatives are found to apply only to smaller or experimental projects however, so that extrapolation to "flagship" projects may be problematic.

  15. Semantic Size Does Not Matter: “Bigger” Words Are Not Recognised Faster

    OpenAIRE

    Kang, Sean H.K.; Yap, Melvin J.; Tse, Chi-Shing; Kurby, Christopher A.

    2011-01-01

    Sereno, O’Donnell, and Sereno (2009) reported that words are recognised faster in a lexical decision task when their referents are physically large rather than small, suggesting that “semantic size” might be an important variable that should be considered in visual word recognition research and modelling. We sought to replicate their size effect, but failed to find a significant latency advantage in lexical decision for “big” words (cf. “small” words), even though we used the same word stimul...

  16. Two-ply channels for faster wicking in paper-based microfluidic devices.

    Science.gov (United States)

    Camplisson, Conor K; Schilling, Kevin M; Pedrotti, William L; Stone, Howard A; Martinez, Andres W

    2015-12-07

    This article describes the development of porous two-ply channels for paper-based microfluidic devices that wick fluids significantly faster than conventional, porous, single-ply channels. The two-ply channels were made by stacking two single-ply channels on top of each other and were fabricated entirely out of paper, wax and toner using two commercially available printers, a convection oven and a thermal laminator. The wicking in paper-based channels was studied and modeled using a modified Lucas-Washburn equation to account for the effect of evaporation, and a paper-based titration device incorporating two-ply channels was demonstrated.

  17. Faster-than-real-time robot simulation for plan development and robot safety

    International Nuclear Information System (INIS)

    Crane, C.D. III; Dalton, R.; Ogles, J.; Tulenko, J.S.; Zhou, X.

    1990-01-01

    The University of Florida, in cooperation with the Universities of Texas, Tennessee, and Michigan and Oak Ridge National Laboratory (ORNL), is developing an advanced robotic system for the US Department of Energy under the University Program for Robotics for Advanced Reactors. As part of this program, the University of Florida has been pursuing the development of a faster-than-real-time robotic simulation program for planning and control of mobile robotic operations to ensure the efficient and safe operation of mobile robots in nuclear power plants and other hazardous environments

  18. Faster Simulation Methods for the Non-Stationary Random Vibrations of Non-Linear MDOF Systems

    DEFF Research Database (Denmark)

    Askar, A.; Köylüoglu, H. U.; Nielsen, Søren R. K.

    subject to nonstationary Gaussian white noise excitation, as an alternative to conventional direct simulation methods. These alternative simulation procedures rely on an assumption of local Gaussianity during each time step. This assumption is tantamount to various linearizations of the equations....... Such a treatment offers higher rates of convergence, faster speed and higher accuracy. These procedures are compared to the direct Monte Carlo simulation procedure, which uses a fourth order Runge-Kutta scheme with the white noise process approximated by a broad band Ruiz-Penzien broken line process...

  19. Faster Simulation Methods for the Nonstationary Random Vibrations of Non-linear MDOF Systems

    DEFF Research Database (Denmark)

    Askar, A.; Köylüo, U.; Nielsen, Søren R.K.

    1996-01-01

    subject to nonstationary Gaussian white noise excitation, as an alternative to conventional direct simulation methods. These alternative simulation procedures rely on an assumption of local Gaussianity during each time step. This assumption is tantamount to various linearizations of the equations....... Such a treatment offers higher rates of convergence, faster speed and higher accuracy. These procedures are compared to the direct Monte Carlo simulation procedure, which uses a fourth order Runge-Kutta scheme with the white noise process approximated by a broad band Ruiz-Penzien broken line process...

  20. Faster in-plane switching and reduced rotational viscosity characteristics in a graphene-nematic suspension

    Science.gov (United States)

    Basu, Rajratan; Kinnamon, Daniel; Skaggs, Nicole; Womack, James

    2016-05-01

    The in-plane switching (IPS) for a nematic liquid crystal (LC) was found to be considerably faster when the LC was doped with dilute concentrations of monolayer graphene flakes. Additional studies revealed that the presence of graphene reduced the rotational viscosity of the LC, permitting the nematic director to respond quicker in IPS mode on turning the electric field on. The studies were carried out with several graphene concentrations in the LC, and the experimental results coherently suggest that there exists an optimal concentration of graphene, allowing a reduction in the IPS response time and rotational viscosity in the LC. Above this optimal graphene concentration, the rotational viscosity was found to increase, and consequently, the LC no longer switched faster in IPS mode. The presence of graphene suspension was also found to decrease the LC's pretilt angle significantly due to the π-π electron stacking between the LC molecules and graphene flakes. To understand the π-π stacking interaction, the anchoring mechanism of the LC on a CVD grown monolayer graphene film on copper substrate was studied by reflected crossed polarized microscopy. Optical microphotographs revealed that the LC alignment direction depended on monolayer graphene's hexagonal crystal structure and its orientation.

  1. Faster in-plane switching and reduced rotational viscosity characteristics in a graphene-nematic suspension

    International Nuclear Information System (INIS)

    Basu, Rajratan; Kinnamon, Daniel; Skaggs, Nicole; Womack, James

    2016-01-01

    The in-plane switching (IPS) for a nematic liquid crystal (LC) was found to be considerably faster when the LC was doped with dilute concentrations of monolayer graphene flakes. Additional studies revealed that the presence of graphene reduced the rotational viscosity of the LC, permitting the nematic director to respond quicker in IPS mode on turning the electric field on. The studies were carried out with several graphene concentrations in the LC, and the experimental results coherently suggest that there exists an optimal concentration of graphene, allowing a reduction in the IPS response time and rotational viscosity in the LC. Above this optimal graphene concentration, the rotational viscosity was found to increase, and consequently, the LC no longer switched faster in IPS mode. The presence of graphene suspension was also found to decrease the LC's pretilt angle significantly due to the π-π electron stacking between the LC molecules and graphene flakes. To understand the π-π stacking interaction, the anchoring mechanism of the LC on a CVD grown monolayer graphene film on copper substrate was studied by reflected crossed polarized microscopy. Optical microphotographs revealed that the LC alignment direction depended on monolayer graphene's hexagonal crystal structure and its orientation.

  2. The Development of Future Orientation is Associated with Faster Decline in Hopelessness during Adolescence.

    Science.gov (United States)

    Mac Giollabhui, Naoise; Nielsen, Johanna; Seidman, Sam; Olino, Thomas M; Abramson, Lyn Y; Alloy, Lauren B

    2018-01-05

    Hopelessness is implicated in multiple psychological disorders. Little is known, however, about the trajectory of hopelessness during adolescence or how emergent future orientation may influence its trajectory. Parallel process latent growth curve modelling tested whether (i) trajectories of future orientation and hopelessness and (ii) within-individual change in future orientation and hopelessness were related. The study was comprised of 472 adolescents [52% female, 47% Caucasian, 47% received free lunch] recruited at ages 12-13 who completed measures of future orientation and hopelessness at five annual assessments. The results indicate that a general decline in hopelessness across adolescence occurs quicker for those experiencing faster development of future orientation, when controlling for age, sex, low socio-economic status in addition to stressful life events in childhood and adolescence. Stressful childhood life events were associated with worse future orientation at baseline and negative life events experienced during adolescence were associated with both an increase in the trajectory of hopelessness as well as a decrease in the trajectory of future orientation. This study provides compelling evidence that the development of future orientation during adolescence is associated with a faster decline in hopelessness.

  3. National health expenditure projections, 2013-23: faster growth expected with expanded coverage and improving economy.

    Science.gov (United States)

    Sisko, Andrea M; Keehan, Sean P; Cuckler, Gigi A; Madison, Andrew J; Smith, Sheila D; Wolfe, Christian J; Stone, Devin A; Lizonitz, Joseph M; Poisal, John A

    2014-10-01

    In 2013 health spending growth is expected to have remained slow, at 3.6 percent, as a result of the sluggish economic recovery, the effects of sequestration, and continued increases in private health insurance cost-sharing requirements. The combined effects of the Affordable Care Act's coverage expansions, faster economic growth, and population aging are expected to fuel health spending growth this year and thereafter (5.6 percent in 2014 and 6.0 percent per year for 2015-23). However, the average rate of increase through 2023 is projected to be slower than the 7.2 percent average growth experienced during 1990-2008. Because health spending is projected to grow 1.1 percentage points faster than the average economic growth during 2013-23, the health share of the gross domestic product is expected to rise from 17.2 percent in 2012 to 19.3 percent in 2023. Project HOPE—The People-to-People Health Foundation, Inc.

  4. Faster in-plane switching and reduced rotational viscosity characteristics in a graphene-nematic suspension

    Energy Technology Data Exchange (ETDEWEB)

    Basu, Rajratan, E-mail: basu@usna.edu; Kinnamon, Daniel; Skaggs, Nicole; Womack, James [Soft Matter and Nanomaterials Laboratory, Department of Physics, The United States Naval Academy, Annapolis, Maryland 21402 (United States)

    2016-05-14

    The in-plane switching (IPS) for a nematic liquid crystal (LC) was found to be considerably faster when the LC was doped with dilute concentrations of monolayer graphene flakes. Additional studies revealed that the presence of graphene reduced the rotational viscosity of the LC, permitting the nematic director to respond quicker in IPS mode on turning the electric field on. The studies were carried out with several graphene concentrations in the LC, and the experimental results coherently suggest that there exists an optimal concentration of graphene, allowing a reduction in the IPS response time and rotational viscosity in the LC. Above this optimal graphene concentration, the rotational viscosity was found to increase, and consequently, the LC no longer switched faster in IPS mode. The presence of graphene suspension was also found to decrease the LC's pretilt angle significantly due to the π-π electron stacking between the LC molecules and graphene flakes. To understand the π-π stacking interaction, the anchoring mechanism of the LC on a CVD grown monolayer graphene film on copper substrate was studied by reflected crossed polarized microscopy. Optical microphotographs revealed that the LC alignment direction depended on monolayer graphene's hexagonal crystal structure and its orientation.

  5. They all like it hot: faster cleanup of contaminated soil and groundwater

    Energy Technology Data Exchange (ETDEWEB)

    Newmark, R., LLNL

    1998-03-01

    Clean up a greasy kitchen spill with cold water and the going is slow. Us hot water instead and progress improves markedly. So it makes sense that cleanup of greasy underground contaminants such as gasoline might go faster if hot water or steam were somehow added to the process. The Environmental Protection Agency named hundreds of sites to the Superfund list - sites that have been contaminated with petroleum products or petroleum products or solvents. Elsewhere across the country, thousands of properties not identified on federal cleanup lists are contaminated as well. Given that under current regulations, underground accumulations of solvent and hydrocarbon contaminants (the most serious cause of groundwater pollution) must be cleaned up, finding a rapid and effective method of removing them is imperative. In the early 1990`s, in collaboration with the School of Engineering at the University of California at Berkeley, Lawrence Livermore developed dynamic underground stripping. This method for treating underground contaminants with heat is much faster and more effective than traditional treatment methods.

  6. Ear Detection under Uncontrolled Conditions with Multiple Scale Faster Region-Based Convolutional Neural Networks

    Directory of Open Access Journals (Sweden)

    Yi Zhang

    2017-04-01

    Full Text Available Ear detection is an important step in ear recognition approaches. Most existing ear detection techniques are based on manually designing features or shallow learning algorithms. However, researchers found that the pose variation, occlusion, and imaging conditions provide a great challenge to the traditional ear detection methods under uncontrolled conditions. This paper proposes an efficient technique involving Multiple Scale Faster Region-based Convolutional Neural Networks (Faster R-CNN to detect ears from 2D profile images in natural images automatically. Firstly, three regions of different scales are detected to infer the information about the ear location context within the image. Then an ear region filtering approach is proposed to extract the correct ear region and eliminate the false positives automatically. In an experiment with a test set of 200 web images (with variable photographic conditions, 98% of ears were accurately detected. Experiments were likewise conducted on the Collection J2 of University of Notre Dame Biometrics Database (UND-J2 and University of Beira Interior Ear dataset (UBEAR, which contain large occlusion, scale, and pose variations. Detection rates of 100% and 98.22%, respectively, demonstrate the effectiveness of the proposed approach.

  7. Faster recovery of a diatom from UV damage under ocean acidification.

    Science.gov (United States)

    Wu, Yaping; Campbell, Douglas A; Gao, Kunshan

    2014-11-01

    Diatoms are the most important group of primary producers in marine ecosystems. As oceanic pH declines and increased stratification leads to the upper mixing layer becoming shallower, diatoms are interactively affected by both lower pH and higher average exposures to solar ultraviolet radiation. The photochemical yields of a model diatom, Phaeodactylum tricornutum, were inhibited by ultraviolet radiation under both growth and excess light levels, while the functional absorbance cross sections of the remaining photosystem II increased. Cells grown under ocean acidification (OA) were less affected during UV exposure. The recovery of PSII under low photosynthetically active radiation was much faster than in the dark, indicating that photosynthetic processes were essential for the full recovery of photosystem II. This light dependent recovery required de novo synthesized protein. Cells grown under ocean acidification recovered faster, possibly attributable to higher CO₂ availability for the Calvin cycle producing more resources for repair. The lower UV inhibition combined with higher recovery rate under ocean acidification could benefit species such as P.tricornutum, and change their competitiveness in the future ocean. Copyright © 2014 Elsevier B.V. All rights reserved.

  8. The impact of accelerating faster than exponential population growth on genetic variation.

    Science.gov (United States)

    Reppell, Mark; Boehnke, Michael; Zöllner, Sebastian

    2014-03-01

    Current human sequencing projects observe an abundance of extremely rare genetic variation, suggesting recent acceleration of population growth. To better understand the impact of such accelerating growth on the quantity and nature of genetic variation, we present a new class of models capable of incorporating faster than exponential growth in a coalescent framework. Our work shows that such accelerated growth affects only the population size in the recent past and thus large samples are required to detect the models' effects on patterns of variation. When we compare models with fixed initial growth rate, models with accelerating growth achieve very large current population sizes and large samples from these populations contain more variation than samples from populations with constant growth. This increase is driven almost entirely by an increase in singleton variation. Moreover, linkage disequilibrium decays faster in populations with accelerating growth. When we instead condition on current population size, models with accelerating growth result in less overall variation and slower linkage disequilibrium decay compared to models with exponential growth. We also find that pairwise linkage disequilibrium of very rare variants contains information about growth rates in the recent past. Finally, we demonstrate that models of accelerating growth may substantially change estimates of present-day effective population sizes and growth times.

  9. Faster gastric emptying of a liquid meal in rats after hypothalamic dorsomedial nucleus lesion

    Directory of Open Access Journals (Sweden)

    Denofre-Carvalho S.

    1997-01-01

    Full Text Available The effects of dorsomedial hypothalamic (DMH nucleus lesion on body weight, plasma glucose levels, and the gastric emptying of a liquid meal were investigated in male Wistar rats (170-250 g. DMH lesions were produced stereotaxically by delivering a 2.0-mA current for 20 s through nichrome electrodes (0.3-mm tip exposure. In a second set of experiments, the DMH and the ventromedial hypothalamic (VMH nucleus were lesioned with a 1.0-mA current for 10 s (0.1-mm tip exposure. The medial hypothalamus (MH was also lesioned separately using a nichrome electrode (0.3-mm tip exposure with a 2.0-mA current for 20 s. Gastric emptying was measured following the orogastric infusion of a liquid test meal consisting of physiological saline (0.9% NaCl, w/v plus phenol red dye (6 mg/dl as a marker. Plasma glucose levels were determined after an 18-h fast before the lesion and on the 7th and 15th postoperative day. Body weight was determined before lesioning and before sacrificing the rats. The DMH-lesioned rats showed a significantly faster (P<0.05 gastric emptying (24.7% gastric retention, N = 11 than control (33.0% gastric retention, N = 8 and sham-lesioned (33.5% gastric retention, N = 12 rats, with a transient hypoglycemia on the 7th postoperative day which returned to normal by the 15th postoperative day. In all cases, weight gain was slower among lesioned rats. Additional experiments using a smaller current to induce lesions confirmed that DMH-lesioned rats had a faster gastric emptying (25.1% gastric retention, N = 7 than control (33.4% gastric retention, N = 17 and VMH-lesioned (34.6% gastric retention, N = 7 rats. MH lesions resulted in an even slower gastric emptying (43.7% gastric retention, N = 7 than in the latter two groups. We conclude that although DMH lesions reduce weight gain, they do not produce consistent changes in plasma glucose levels. These lesions also promote faster gastric emptying of an inert liquid meal, thus suggesting a role for

  10. Partnering with libraries to promote walking among community-dwelling adults: a Kingston gets active pilot pedometer-lending project.

    Science.gov (United States)

    Ryder, Holly H; Faloon, Kathryn J; Lévesque, Lucie; McDonald, Deanna

    2009-10-01

    Most adults do not walk enough to obtain health benefits. Pedometers have been successfully utilized to motivate and increase walking. Given that libraries are a place where community members seek health resources, they are a logical setting for increasing community accessibility to pedometers. The purpose was to examine the feasibility of lending pedometers to library patrons to increase walking. In five Canadian public libraries, 90 pedometers were made available for 6 months. A total of 41 library patrons (33 women, 8 men, age range 18 to 65 or older) completed a survey about their walking patterns and pedometer use. More than 330 loans were made. Chisquare analysis found significant associations between walking and motivation to walk more (p libraries is an effective, low-cost approach to enhance walking in community members.

  11. 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.

  12. Drought evolution: greater and faster impacts on blue water than on green water

    Science.gov (United States)

    Destouni, G.; Orth, R.

    2017-12-01

    Drought propagates through the terrestrial water cycle, affecting different interlinked geospheres which have so far been mostly investigated separately and without direct comparison. By use of comprehensive multi-decadal data from >400 near-natural catchments along a steep climate gradient across Europe we here analyze drought propagation from precipitation (deficits) through soil moisture to runoff (blue water) and evapotranspiration (green water). We show that soil-moisture droughts reduce runoff stronger and faster than evapotranspiration. While runoff responds within weeks, evapotranspiration can be unaffected for months, or even entirely as in central and northern Europe. Understanding these different drought pathways towards blue and green water resources contributes to improve food and water security and offers early warning potential to mitigate (future) drought impacts on society and ecosystems.

  13. Process Fragment Libraries for Easier and Faster Development of Process-based Applications

    Directory of Open Access Journals (Sweden)

    David Schumm

    2011-01-01

    Full Text Available The term “process fragment” is recently gaining momentum in business process management research. We understand a process fragment as a connected and reusable process structure, which has relaxed completeness and consistency criteria compared to executable processes. We claim that process fragments allow for an easier and faster development of process-based applications. As evidence to this claim we present a process fragment concept and show a sample collection of concrete, real-world process fragments. We present advanced application scenarios for using such fragments in development of process-based applications. Process fragments are typically managed in a repository, forming a process fragment library. On top of a process fragment library from previous work, we discuss the potential impact of using process fragment libraries in cross-enterprise collaboration and application integration.

  14. Registered nurse supply grows faster than projected amid surge in new entrants ages 23-26.

    Science.gov (United States)

    Auerbach, David I; Buerhaus, Peter I; Staiger, Douglas O

    2011-12-01

    The vast preponderance of the nation's registered nurses are women. In the 1980s and 1990 s, a decline in the number of women ages 23-26 who were choosing nursing as a career led to concerns that there would be future nurse shortages unless the trend was reversed. Between 2002 and 2009, however, the number of full-time-equivalent registered nurses ages 23-26 increased by 62 percent. If these young nurses follow the same life-cycle employment patterns as those who preceded them--as they appear to be thus far--then they will be the largest cohort of registered nurses ever observed. Because of this surge in the number of young people entering nursing during the past decade, the nurse workforce is projected to grow faster during the next two decades than previously anticipated. However, it is uncertain whether interest in nursing will continue to grow in the future.

  15. A faster sample preparation method for determination of polonium-210 in fish

    International Nuclear Information System (INIS)

    Sadi, B.B.; Jing Chen; Kochermin, Vera; Godwin Tung; Sorina Chiorean

    2016-01-01

    In order to facilitate Health Canada’s study on background radiation levels in country foods, an in-house radio-analytical method has been developed for determination of polonium-210 ( 210 Po) in fish samples. The method was validated by measurement of 210 Po in a certified reference material. It was also evaluated by comparing 210 Po concentrations in a number of fish samples by another method. The in-house method offers faster sample dissolution using an automated digestion system compared to currently used wet-ashing on a hot plate. It also utilizes pre-packed Sr-resin® cartridges for rapid and reproducible separation of 210 Po versus time-consuming manually packed Sr-resin® columns. (author)

  16. The Development of Functional Overreaching Is Associated with a Faster Heart Rate Recovery in Endurance Athletes.

    Directory of Open Access Journals (Sweden)

    Anaël Aubry

    Full Text Available The aim of the study was to investigate whether heart rate recovery (HRR may represent an effective marker of functional overreaching (f-OR in endurance athletes.Thirty-one experienced male triathletes were tested (10 control and 21 overload subjects before (Pre, and immediately after an overload training period (Mid and after a 2-week taper (Post. Physiological responses were assessed during an incremental cycling protocol to exhaustion, including heart rate, catecholamine release and blood lactate concentration. Ten participants from the overload group developed signs of f-OR at Mid (i.e. -2.1 ± 0.8% change in performance associated with concomitant high perceived fatigue. Additionally, only the f-OR group demonstrated a 99% chance of increase in HRR during the overload period (+8 ± 5 bpm, large effect size. Concomitantly, this group also revealed a >80% chance of decreasing blood lactate (-11 ± 14%, large, plasma norepinephrine (-12 ± 37%, small and plasma epinephrine peak concentrations (-51 ± 22%, moderate. These blood measures returned to baseline levels at Post. HRR change was negatively correlated to changes in performance, peak HR and peak blood metabolites concentrations.These findings suggest that i a faster HRR is not systematically associated with improved physical performance, ii changes in HRR should be interpreted in the context of the specific training phase, the athletes perceived level of fatigue and the performance response; and, iii the faster HRR associated with f-OR may be induced by a decreased central command and by a lower chemoreflex activity.

  17. Cone-Beam Computed Tomography (CBCT) Versus CT in Lung Ablation Procedure: Which is Faster?

    Science.gov (United States)

    Cazzato, Roberto Luigi; Battistuzzi, Jean-Benoit; Catena, Vittorio; Grasso, Rosario Francesco; Zobel, Bruno Beomonte; Schena, Emiliano; Buy, Xavier; Palussiere, Jean

    2015-10-01

    To compare cone-beam CT (CBCT) versus computed tomography (CT) guidance in terms of time needed to target and place the radiofrequency ablation (RFA) electrode on lung tumours. Patients at our institution who received CBCT- or CT-guided RFA for primary or metastatic lung tumours were retrospectively included. Time required to target and place the RFA electrode within the lesion was registered and compared across the two groups. Lesions were stratified into three groups according to their size (20 mm). Occurrences of electrode repositioning, repositioning time, RFA complications, and local recurrence after RFA were also reported. Forty tumours (22 under CT, 18 under CBCT guidance) were treated in 27 patients (19 male, 8 female, median age 67.25 ± 9.13 years). Thirty RFA sessions (16 under CBCT and 14 under CT guidance) were performed. Multivariable linear regression analysis showed that CBCT was faster than CT to target and place the electrode within the tumour independently from its size (β = -9.45, t = -3.09, p = 0.004). Electrode repositioning was required in 10/22 (45.4 %) tumours under CT guidance and 5/18 (27.8 %) tumours under CBCT guidance. Pneumothoraces occurred in 6/14 (42.8 %) sessions under CT guidance and in 6/16 (37.5 %) sessions under CBCT guidance. Two recurrences were noted for tumours receiving CBCT-guided RFA (2/17, 11.7 %) and three after CT-guided RFA (3/19, 15.8 %). CBCT with live 3D needle guidance is a useful technique for percutaneous lung ablation. Despite lesion size, CBCT allows faster lung RFA than CT.

  18. Cone-Beam Computed Tomography (CBCT) Versus CT in Lung Ablation Procedure: Which is Faster?

    Energy Technology Data Exchange (ETDEWEB)

    Cazzato, Roberto Luigi, E-mail: r.cazzato@unicampus.it; Battistuzzi, Jean-Benoit, E-mail: j.battistuzzi@bordeaux.unicancer.fr; Catena, Vittorio, E-mail: vittoriocatena@gmail.com [Institut Bergonié, Department of Radiology (France); Grasso, Rosario Francesco, E-mail: r.grasso@unicampus.it; Zobel, Bruno Beomonte, E-mail: b.zobel@unicampus.it [Università Campus Bio-Medico di Roma, Department of Radiology and Diagnostic Imaging (Italy); Schena, Emiliano, E-mail: e.schena@unicampus.it [Università Campus Bio-Medico di Roma, Unit of Measurements and Biomedical Instrumentations, Biomedical Engineering Laboratory (Italy); Buy, Xavier, E-mail: x.buy@bordeaux.unicancer.fr; Palussiere, Jean, E-mail: j.palussiere@bordeaux.unicancer.fr [Institut Bergonié, Department of Radiology (France)

    2015-10-15

    AimTo compare cone-beam CT (CBCT) versus computed tomography (CT) guidance in terms of time needed to target and place the radiofrequency ablation (RFA) electrode on lung tumours.Materials and MethodsPatients at our institution who received CBCT- or CT-guided RFA for primary or metastatic lung tumours were retrospectively included. Time required to target and place the RFA electrode within the lesion was registered and compared across the two groups. Lesions were stratified into three groups according to their size (<10, 10–20, >20 mm). Occurrences of electrode repositioning, repositioning time, RFA complications, and local recurrence after RFA were also reported.ResultsForty tumours (22 under CT, 18 under CBCT guidance) were treated in 27 patients (19 male, 8 female, median age 67.25 ± 9.13 years). Thirty RFA sessions (16 under CBCT and 14 under CT guidance) were performed. Multivariable linear regression analysis showed that CBCT was faster than CT to target and place the electrode within the tumour independently from its size (β = −9.45, t = −3.09, p = 0.004). Electrode repositioning was required in 10/22 (45.4 %) tumours under CT guidance and 5/18 (27.8 %) tumours under CBCT guidance. Pneumothoraces occurred in 6/14 (42.8 %) sessions under CT guidance and in 6/16 (37.5 %) sessions under CBCT guidance. Two recurrences were noted for tumours receiving CBCT-guided RFA (2/17, 11.7 %) and three after CT-guided RFA (3/19, 15.8 %).ConclusionCBCT with live 3D needle guidance is a useful technique for percutaneous lung ablation. Despite lesion size, CBCT allows faster lung RFA than CT.

  19. Faster but not smarter: effects of caffeine and caffeine withdrawal on alertness and performance.

    Science.gov (United States)

    Rogers, Peter J; Heatherley, Susan V; Mullings, Emma L; Smith, Jessica E

    2013-03-01

    Despite 100 years of psychopharmacological research, the extent to which caffeine consumption benefits human functioning remains unclear. To measure the effects of overnight caffeine abstinence and caffeine administration as a function of level of habitual caffeine consumption. Medium-high (n = 212) and non-low (n = 157) caffeine consumers completed self-report measures and computer-based tasks before (starting at 10:30 AM) and after double-blind treatment with either caffeine (100 mg, then 150 mg) or placebo. The first treatment was given at 11:15 AM and the second at 12:45 PM, with post-treatment measures repeated twice between 1:45 PM and 3:30 PM. Caffeine withdrawal was associated with some detrimental effects at 10:30 AM, and more severe effects, including greater sleepiness, lower mental alertness, and poorer performance on simple reaction time, choice reaction time and recognition memory tasks, later in the afternoon. Caffeine improved these measures in medium-high consumers but, apart from decreasing sleepiness, had little effect on them in non-low consumers. The failure of caffeine to increase mental alertness and improve mental performance in non-low consumers was related to a substantial caffeine-induced increase in anxiety/jitteriness that offset the benefit of decreased sleepiness. Caffeine enhanced physical performance (faster tapping speed and faster simple and choice reaction times) in both medium-high and non-low consumers. While caffeine benefits motor performance and tolerance develops to its tendency to increase anxiety/jitteriness, tolerance to its effects on sleepiness means that frequent consumption fails to enhance mental alertness and mental performance.

  20. Faster Movement Speed Results in Greater Tendon Strain during the Loaded Squat Exercise

    Science.gov (United States)

    Earp, Jacob E.; Newton, Robert U.; Cormie, Prue; Blazevich, Anthony J.

    2016-01-01

    Introduction: Tendon dynamics influence movement performance and provide the stimulus for long-term tendon adaptation. As tendon strain increases with load magnitude and decreases with loading rate, changes in movement speed during exercise should influence tendon strain. Methods: Ten resistance-trained men [squat one repetition maximum (1RM) to body mass ratio: 1.65 ± 0.12] performed parallel-depth back squat lifts with 60% of 1RM load at three different speeds: slow fixed-tempo (TS: 2-s eccentric, 1-s pause, 2-s concentric), volitional-speed without a pause (VS) and maximum-speed jump (JS). In each condition joint kinetics, quadriceps tendon length (LT), patellar tendon force (FT), and rate of force development (RFDT) were estimated using integrated ultrasonography, motion-capture, and force platform recordings. Results: Peak LT, FT, and RFDT were greater in JS than TS (p < 0.05), however no differences were observed between VS and TS. Thus, moving at faster speeds resulted in both greater tendon stress and strain despite an increased RFDT, as would be predicted of an elastic, but not a viscous, structure. Temporal comparisons showed that LT was greater in TS than JS during the early eccentric phase (10–14% movement duration) where peak RFDT occurred, demonstrating that the tendon's viscous properties predominated during initial eccentric loading. However, during the concentric phase (61–70 and 76–83% movement duration) differing FT and similar RFDT between conditions allowed for the tendon's elastic properties to predominate such that peak tendon strain was greater in JS than TS. Conclusions: Based on our current understanding, there may be an additional mechanical stimulus for tendon adaptation when performing large range-of-motion isoinertial exercises at faster movement speeds. PMID:27630574

  1. Faster algorithms for RNA-folding using the Four-Russians method.

    Science.gov (United States)

    Venkatachalam, Balaji; Gusfield, Dan; Frid, Yelena

    2014-03-06

    The secondary structure that maximizes the number of non-crossing matchings between complimentary bases of an RNA sequence of length n can be computed in O(n3) time using Nussinov's dynamic programming algorithm. The Four-Russians method is a technique that reduces the running time for certain dynamic programming algorithms by a multiplicative factor after a preprocessing step where solutions to all smaller subproblems of a fixed size are exhaustively enumerated and solved. Frid and Gusfield designed an O(n3logn) algorithm for RNA folding using the Four-Russians technique. In their algorithm the preprocessing is interleaved with the algorithm computation. We simplify the algorithm and the analysis by doing the preprocessing once prior to the algorithm computation. We call this the two-vector method. We also show variants where instead of exhaustive preprocessing, we only solve the subproblems encountered in the main algorithm once and memoize the results. We give a simple proof of correctness and explore the practical advantages over the earlier method.The Nussinov algorithm admits an O(n2) time parallel algorithm. We show a parallel algorithm using the two-vector idea that improves the time bound to O(n2logn). We have implemented the parallel algorithm on graphics processing units using the CUDA platform. We discuss the organization of the data structures to exploit coalesced memory access for fast running times. The ideas to organize the data structures also help in improving the running time of the serial algorithms. For sequences of length up to 6000 bases the parallel algorithm takes only about 2.5 seconds and the two-vector serial method takes about 57 seconds on a desktop and 15 seconds on a server. Among the serial algorithms, the two-vector and memoized versions are faster than the Frid-Gusfield algorithm by a factor of 3, and are faster than Nussinov by up to a factor of 20. The source-code for the algorithms is available at http://github.com/ijalabv/FourRussiansRNAFolding.

  2. Keeping Score: Direct Student Lending. An Evaluation Prepared for the Iowa College Student Aid Commission and the Iowa Student Loan Liquidity Corporation.

    Science.gov (United States)

    Chance, William

    This paper provides recommendations for the development, implementation, and evaluation of a demonstration program designed to assess direct lending as a replacement for the current federal student loan program. It offers a list of principles which the demonstration project should address. Recommendations include: (1) maintenance of student…

  3. With medium-chain triglycerides, higher and faster oxygen radical production by stimulated polymorphonuclear leukocytes occurs.

    Science.gov (United States)

    Kruimel, J W; Naber, A H; Curfs, J H; Wenker, M A; Jansen, J B

    2000-01-01

    Parenteral lipid emulsions are suspected of suppressing the immune function. However, study results are contradictory and mainly concern the conventional long-chain triglyceride emulsions. Polymorphonuclear leukocytes were preincubated with parenteral lipid emulsions. The influence of the lipid emulsions on the production of oxygen radicals by these stimulated leukocytes was studied by measuring chemiluminescence. Three different parenteral lipid emulsions were tested: long-chain triglycerides, a physical mixture of medium- and long-chain triglycerides, and structured triglycerides. Structured triglycerides consist of triglycerides where the medium- and long-chain fatty acids are attached to the same glycerol molecule. Stimulated polymorphonuclear leukocytes preincubated with the physical mixture of medium- and long-chain triglycerides showed higher levels of oxygen radicals (p triglycerides or structured triglycerides. Additional studies indicated that differences in results of various lipid emulsions were not caused by differences in emulsifier. The overall production of oxygen radicals was significantly lower after preincubation with the three lipid emulsions compared with controls without lipid emulsion. A physical mixture of medium- and long-chain triglycerides induced faster production of oxygen radicals, resulting in higher levels of oxygen radicals, compared with long-chain triglycerides or structured triglycerides. This can be detrimental in cases where oxygen radicals play either a pathogenic role or a beneficial one, such as when rapid phagocytosis and killing of bacteria is needed. The observed lower production of oxygen radicals by polymorphonuclear leukocytes in the presence of parenteral lipid emulsions may result in immunosuppression by these lipids.

  4. Soft robotics: a review and progress towards faster and higher torque actuators (presentation video)

    Science.gov (United States)

    Shepherd, Robert

    2014-03-01

    Last year, nearly 160,000 industrial robots were shipped worldwide—into a total market valued at 26 Bn (including hardware, software, and peripherals).[1] Service robots for professional (e.g., defense, medical, agriculture) and personal (e.g., household, handicap assistance, toys, and education) use accounted for 16,000 units, 3.4 Bn and 3,000,000 units, $1.2 Bn respectively.[1] The vast majority of these robotic systems use fully actuated, rigid components that take little advantage of passive dynamics. Soft robotics is a field that is taking advantage of compliant actuators and passive dynamics to achieve several goals: reduced design, manufacturing and control complexity, improved energy efficiency, more sophisticated motions, and safe human-machine interactions to name a few. The potential for societal impact is immense. In some instances, soft actuators have achieved commercial success; however, large scale adoption will require improved methods of controlling non-linear systems, greater reliability in their function, and increased utility from faster and more forceful actuation. In my talk, I will describe efforts from my work in the Whitesides group at Harvard to prove sophisticated motions in these machines using simple controls, as well capabilities unique to soft machines. I will also describe the potential for combinations of different classes of soft actuators (e.g., electrically and pneumatically actuated systems) to improve the utility of soft robots. 1. World Robotics - Industrial Robots 2013, 2013, International Federation of Robotics.

  5. Sequence-based heuristics for faster annotation of non-coding RNA families.

    Science.gov (United States)

    Weinberg, Zasha; Ruzzo, Walter L

    2006-01-01

    Non-coding RNAs (ncRNAs) are functional RNA molecules that do not code for proteins. Covariance Models (CMs) are a useful statistical tool to find new members of an ncRNA gene family in a large genome database, using both sequence and, importantly, RNA secondary structure information. Unfortunately, CM searches are extremely slow. Previously, we created rigorous filters, which provably sacrifice none of a CM's accuracy, while making searches significantly faster for virtually all ncRNA families. However, these rigorous filters make searches slower than heuristics could be. In this paper we introduce profile HMM-based heuristic filters. We show that their accuracy is usually superior to heuristics based on BLAST. Moreover, we compared our heuristics with those used in tRNAscan-SE, whose heuristics incorporate a significant amount of work specific to tRNAs, where our heuristics are generic to any ncRNA. Performance was roughly comparable, so we expect that our heuristics provide a high-quality solution that--unlike family-specific solutions--can scale to hundreds of ncRNA families. The source code is available under GNU Public License at the supplementary web site.

  6. World oil demand's shift toward faster growing and less price-responsive products and regions

    International Nuclear Information System (INIS)

    Dargay, Joyce M.; Gately, Dermot

    2010-01-01

    Using data for 1971-2008, we estimate the effects of changes in price and income on world oil demand, disaggregated by product - transport oil, fuel oil (residual and heating oil), and other oil - for six groups of countries. Most of the demand reductions since 1973-74 were due to fuel-switching away from fuel oil, especially in the OECD; in addition, the collapse of the Former Soviet Union (FSU) reduced their oil consumption substantially. Demand for transport and other oil was much less price-responsive, and has grown almost as rapidly as income, especially outside the OECD and FSU. World oil demand has shifted toward products and regions that are faster growing and less price-responsive. In contrast to projections to 2030 of declining per-capita demand for the world as a whole - by the U.S. Department of Energy (DOE), International Energy Agency (IEA) and OPEC - we project modest growth. Our projections for total world demand in 2030 are at least 20% higher than projections by those three institutions, using similar assumptions about income growth and oil prices, because we project rest-of-world growth that is consistent with historical patterns, in contrast to the dramatic slowdowns which they project. (author)

  7. In a warmer Arctic, mosquitoes avoid increased mortality from predators by growing faster.

    Science.gov (United States)

    Culler, Lauren E; Ayres, Matthew P; Virginia, Ross A

    2015-09-22

    Climate change is altering environmental temperature, a factor that influences ectothermic organisms by controlling rates of physiological processes. Demographic effects of warming, however, are determined by the expression of these physiological effects through predator-prey and other species interactions. Using field observations and controlled experiments, we measured how increasing temperatures in the Arctic affected development rates and mortality rates (from predation) of immature Arctic mosquitoes in western Greenland. We then developed and parametrized a demographic model to evaluate how temperature affects survival of mosquitoes from the immature to the adult stage. Our studies showed that warming increased development rate of immature mosquitoes (Q10 = 2.8) but also increased daily mortality from increased predation rates by a dytiscid beetle (Q10 = 1.2-1.5). Despite increased daily mortality, the model indicated that faster development and fewer days exposed to predators resulted in an increased probability of mosquito survival to the adult stage. Warming also advanced mosquito phenology, bringing mosquitoes into phenological synchrony with caribou. Increases in biting pests will have negative consequences for caribou and their role as a subsistence resource for local communities. Generalizable frameworks that account for multiple effects of temperature are needed to understand how climate change impacts coupled human-natural systems. © 2015 The Author(s).

  8. A faster numerical scheme for a coupled system modeling soil erosion and sediment transport

    Science.gov (United States)

    Le, M.-H.; Cordier, S.; Lucas, C.; Cerdan, O.

    2015-02-01

    Overland flow and soil erosion play an essential role in water quality and soil degradation. Such processes, involving the interactions between water flow and the bed sediment, are classically described by a well-established system coupling the shallow water equations and the Hairsine-Rose model. Numerical approximation of this coupled system requires advanced methods to preserve some important physical and mathematical properties; in particular, the steady states and the positivity of both water depth and sediment concentration. Recently, finite volume schemes based on Roe's solver have been proposed by Heng et al. (2009) and Kim et al. (2013) for one and two-dimensional problems. In their approach, an additional and artificial restriction on the time step is required to guarantee the positivity of sediment concentration. This artificial condition can lead the computation to be costly when dealing with very shallow flow and wet/dry fronts. The main result of this paper is to propose a new and faster scheme for which only the CFL condition of the shallow water equations is sufficient to preserve the positivity of sediment concentration. In addition, the numerical procedure of the erosion part can be used with any well-balanced and positivity preserving scheme of the shallow water equations. The proposed method is tested on classical benchmarks and also on a realistic configuration.

  9. Emotion, Etmnooi, or Emitoon?--Faster lexical access to emotional than to neutral words during reading.

    Science.gov (United States)

    Kissler, Johanna; Herbert, Cornelia

    2013-03-01

    Cortical processing of emotional words differs from that of neutral words. Using EEG event-related potentials (ERPs), the present study examines the functional stage(s) of this differentiation. Positive, negative, and neutral nouns were randomly mixed with pseudowords and letter strings derived from words within each valence and presented for reading while participants' EEG was recorded. Results indicated emotion effects in the N1 (110-140 ms), early posterior negativity (EPN, 216-320) and late positive potential (LPP, 432-500 ms) time windows. Across valence, orthographic word-form effects occurred from about 180 ms after stimulus presentation. Crucially, in emotional words, lexicality effects (real words versus pseudowords) were identified from 216 ms, words being more negative over posterior cortex, coinciding with EPN effects, whereas neutral words differed from pseudowords only after 320 ms. Emotional content affects word processing at pre-lexical, lexical and post-lexical levels, but remarkably lexical access to emotional words is faster than access to neutral words. Copyright © 2012 Elsevier B.V. All rights reserved.

  10. A light and faster regional convolutional neural network for object detection in optical remote sensing images

    Science.gov (United States)

    Ding, Peng; Zhang, Ye; Deng, Wei-Jian; Jia, Ping; Kuijper, Arjan

    2018-07-01

    Detection of objects from satellite optical remote sensing images is very important for many commercial and governmental applications. With the development of deep convolutional neural networks (deep CNNs), the field of object detection has seen tremendous advances. Currently, objects in satellite remote sensing images can be detected using deep CNNs. In general, optical remote sensing images contain many dense and small objects, and the use of the original Faster Regional CNN framework does not yield a suitably high precision. Therefore, after careful analysis we adopt dense convoluted networks, a multi-scale representation and various combinations of improvement schemes to enhance the structure of the base VGG16-Net for improving the precision. We propose an approach to reduce the test-time (detection time) and memory requirements. To validate the effectiveness of our approach, we perform experiments using satellite remote sensing image datasets of aircraft and automobiles. The results show that the improved network structure can detect objects in satellite optical remote sensing images more accurately and efficiently.

  11. Processing language in face-to-face conversation: Questions with gestures get faster responses.

    Science.gov (United States)

    Holler, Judith; Kendrick, Kobin H; Levinson, Stephen C

    2017-09-08

    The home of human language use is face-to-face interaction, a context in which communicative exchanges are characterised not only by bodily signals accompanying what is being said but also by a pattern of alternating turns at talk. This transition between turns is astonishingly fast-typically a mere 200-ms elapse between a current and a next speaker's contribution-meaning that comprehending, producing, and coordinating conversational contributions in time is a significant challenge. This begs the question of whether the additional information carried by bodily signals facilitates or hinders language processing in this time-pressured environment. We present analyses of multimodal conversations revealing that bodily signals appear to profoundly influence language processing in interaction: Questions accompanied by gestures lead to shorter turn transition times-that is, to faster responses-than questions without gestures, and responses come earlier when gestures end before compared to after the question turn has ended. These findings hold even after taking into account prosodic patterns and other visual signals, such as gaze. The empirical findings presented here provide a first glimpse of the role of the body in the psycholinguistic processes underpinning human communication.

  12. Revisit the faster-is-slower effect for an exit at a corner

    Science.gov (United States)

    Chen, Jun Min; Lin, Peng; Wu, Fan Yu; Li Gao, Dong; Wang, Guo Yuan

    2018-02-01

    The faster-is-slower effect (FIS), which means that crowd at a high enough velocity could significantly increase the evacuation time to escape through an exit, is an interesting phenomenon in pedestrian dynamics. Such phenomenon had been studied widely and has been experimentally verified in different systems of discrete particles flowing through a centre exit. To experimentally validate this phenomenon by using people under high pressure is difficult due to ethical issues. A mouse, similar to a human, is a kind of self-driven and soft body creature with competitive behaviour under stressed conditions. Therefore, mice are used to escape through an exit at a corner. A number of repeated tests are conducted and the average escape time per mouse at different levels of stimulus are analysed. The escape times do not increase obviously with the level of stimulus for the corner exit, which is contrary to the experiment with the center exit. The experimental results show that the FIS effect is not necessary a universal law for any discrete system. The observation could help the design of buildings by relocating their exits to the corner in rooms to avoid the formation of FIS effect.

  13. Resonant Drag Instabilities in protoplanetary disks: the streaming instability and new, faster-growing instabilities

    Science.gov (United States)

    Squire, Jonathan; Hopkins, Philip F.

    2018-04-01

    We identify and study a number of new, rapidly growing instabilities of dust grains in protoplanetary disks, which may be important for planetesimal formation. The study is based on the recognition that dust-gas mixtures are generically unstable to a Resonant Drag Instability (RDI), whenever the gas, absent dust, supports undamped linear modes. We show that the "streaming instability" is an RDI associated with epicyclic oscillations; this provides simple interpretations for its mechanisms and accurate analytic expressions for its growth rates and fastest-growing wavelengths. We extend this analysis to more general dust streaming motions and other waves, including buoyancy and magnetohydrodynamic oscillations, finding various new instabilities. Most importantly, we identify the disk "settling instability," which occurs as dust settles vertically into the midplane of a rotating disk. For small grains, this instability grows many orders of magnitude faster than the standard streaming instability, with a growth rate that is independent of grain size. Growth timescales for realistic dust-to-gas ratios are comparable to the disk orbital period, and the characteristic wavelengths are more than an order of magnitude larger than the streaming instability (allowing the instability to concentrate larger masses). This suggests that in the process of settling, dust will band into rings then filaments or clumps, potentially seeding dust traps, high-metallicity regions that in turn seed the streaming instability, or even overdensities that coagulate or directly collapse to planetesimals.

  14. Detection of vehicle parts based on Faster R-CNN and relative position information

    Science.gov (United States)

    Zhang, Mingwen; Sang, Nong; Chen, Youbin; Gao, Changxin; Wang, Yongzhong

    2018-03-01

    Detection and recognition of vehicles are two essential tasks in intelligent transportation system (ITS). Currently, a prevalent method is to detect vehicle body, logo or license plate at first, and then recognize them. So the detection task is the most basic, but also the most important work. Besides the logo and license plate, some other parts, such as vehicle face, lamp, windshield and rearview mirror, are also key parts which can reflect the characteristics of vehicle and be used to improve the accuracy of recognition task. In this paper, the detection of vehicle parts is studied, and the work is novel. We choose Faster R-CNN as the basic algorithm, and take the local area of an image where vehicle body locates as input, then can get multiple bounding boxes with their own scores. If the box with maximum score is chosen as final result directly, it is often not the best one, especially for small objects. This paper presents a method which corrects original score with relative position information between two parts. Then we choose the box with maximum comprehensive score as the final result. Compared with original output strategy, the proposed method performs better.

  15. Development of Novel Faster-Dissolving Microneedle Patches for Transcutaneous Vaccine Delivery.

    Science.gov (United States)

    Ono, Akihiko; Ito, Sayami; Sakagami, Shun; Asada, Hideo; Saito, Mio; Quan, Ying-Shu; Kamiyama, Fumio; Hirobe, Sachiko; Okada, Naoki

    2017-08-03

    Microneedle (MN) patches are promising for transcutaneous vaccination because they enable vaccine antigens to physically penetrate the stratum corneum via low-invasive skin puncturing, and to be effectively delivered to antigen-presenting cells in the skin. In second-generation MN patches, the dissolving MNs release the loaded vaccine antigen into the skin. To shorten skin application time for clinical practice, this study aims to develop novel faster-dissolving MNs. We designed two types of MNs made from a single thickening agent, carboxymethylcellulose (CMC) or hyaluronan (HN). Both CMC-MN and HN-MN completely dissolved in rat skin after a 5-min application. In pre-clinical studies, both MNs could demonstrably increase antigen-specific IgG levels after vaccination and prolong antigen deposition compared with conventional injections, and deliver antigens into resected human dermal tissue. In clinical research, we demonstrated that both MNs could reliably and safely puncture human skin without any significant skin irritation from transepidermal water loss measurements and ICDRG (International Contact Dermatitis Research Group) evaluation results.

  16. Semantic size does not matter: "bigger" words are not recognized faster.

    Science.gov (United States)

    Kang, Sean H K; Yap, Melvin J; Tse, Chi-Shing; Kurby, Christopher A

    2011-06-01

    Sereno, O'Donnell, and Sereno (2009) reported that words are recognized faster in a lexical decision task when their referents are physically large than when they are small, suggesting that "semantic size" might be an important variable that should be considered in visual word recognition research and modelling. We sought to replicate their size effect, but failed to find a significant latency advantage in lexical decision for "big" words (cf. "small" words), even though we used the same word stimuli as Sereno et al. and had almost three times as many subjects. We also examined existing data from visual word recognition megastudies (e.g., English Lexicon Project) and found that semantic size is not a significant predictor of lexical decision performance after controlling for the standard lexical variables. In summary, the null results from our lab experiment--despite a much larger subject sample size than Sereno et al.--converged with our analysis of megastudy lexical decision performance, leading us to conclude that semantic size does not matter for word recognition. Discussion focuses on why semantic size (unlike some other semantic variables) is unlikely to play a role in lexical decision.

  17. Faster acquisition of laparoscopic skills in virtual reality with haptic feedback and 3D vision.

    Science.gov (United States)

    Hagelsteen, Kristine; Langegård, Anders; Lantz, Adam; Ekelund, Mikael; Anderberg, Magnus; Bergenfelz, Anders

    2017-10-01

    The study investigated whether 3D vision and haptic feedback in combination in a virtual reality environment leads to more efficient learning of laparoscopic skills in novices. Twenty novices were allocated to two groups. All completed a training course in the LapSim ® virtual reality trainer consisting of four tasks: 'instrument navigation', 'grasping', 'fine dissection' and 'suturing'. The study group performed with haptic feedback and 3D vision and the control group without. Before and after the LapSim ® course, the participants' metrics were recorded when tying a laparoscopic knot in the 2D video box trainer Simball ® Box. The study group completed the training course in 146 (100-291) minutes compared to 215 (175-489) minutes in the control group (p = .002). The number of attempts to reach proficiency was significantly lower. The study group had significantly faster learning of skills in three out of four individual tasks; instrument navigation, grasping and suturing. Using the Simball ® Box, no difference in laparoscopic knot tying after the LapSim ® course was noted when comparing the groups. Laparoscopic training in virtual reality with 3D vision and haptic feedback made training more time efficient and did not negatively affect later video box-performance in 2D. [Formula: see text].

  18. Introducing difference recurrence relations for faster semi-global alignment of long sequences.

    Science.gov (United States)

    Suzuki, Hajime; Kasahara, Masahiro

    2018-02-19

    The read length of single-molecule DNA sequencers is reaching 1 Mb. Popular alignment software tools widely used for analyzing such long reads often take advantage of single-instruction multiple-data (SIMD) operations to accelerate calculation of dynamic programming (DP) matrices in the Smith-Waterman-Gotoh (SWG) algorithm with a fixed alignment start position at the origin. Nonetheless, 16-bit or 32-bit integers are necessary for storing the values in a DP matrix when sequences to be aligned are long; this situation hampers the use of the full SIMD width of modern processors. We proposed a faster semi-global alignment algorithm, "difference recurrence relations," that runs more rapidly than the state-of-the-art algorithm by a factor of 2.1. Instead of calculating and storing all the values in a DP matrix directly, our algorithm computes and stores mainly the differences between the values of adjacent cells in the matrix. Although the SWG algorithm and our algorithm can output exactly the same result, our algorithm mainly involves 8-bit integer operations, enabling us to exploit the full width of SIMD operations (e.g., 32) on modern processors. We also developed a library, libgaba, so that developers can easily integrate our algorithm into alignment programs. Our novel algorithm and optimized library implementation will facilitate accelerating nucleotide long-read analysis algorithms that use pairwise alignment stages. The library is implemented in the C programming language and available at https://github.com/ocxtal/libgaba .

  19. Level of headaches after surgical aneurysm clipping decreases significantly faster compared to endovascular coiled patients

    Directory of Open Access Journals (Sweden)

    Athanasios K. Petridis

    2017-04-01

    Full Text Available In incidental aneurysms, endovascular treatment can lead to post-procedural headaches. We studied the difference of surgical clipping vs. endovascular coiling in concern to post-procedural headaches in patients with ruptured aneurysms. Sixtyseven patients with aneurysmal subarachnoidal haemorrhage were treated in our department from September 1st 2015 - September 1st 2016. 43 Patients were included in the study and the rest was excluded because of late recovery or highgrade subarachnoid bleedings. Twenty-two were surgical treated and twenty-one were interventionally treated. We compared the post-procedural headaches at the time points of 24 h, 21 days, and 3 months after treatment using the visual analog scale (VAS for pain. After surgical clipping the headache score decreased for 8.8 points in the VAS, whereas the endovascular treated population showed a decrease of headaches of 3.3 points. This difference was highly statistical significant and remained significant even after 3 weeks where the pain score for the surgically treated patients was 0.68 and for the endovascular treated 1.8. After 3 months the pain was less than 1 for both groups with surgically treated patients scoring 0.1 and endovascular treated patients 0.9 (not significant. Clipping is relieving the headaches of patients with aneurysm rupture faster and more effective than endovascular coiling. This effect stays significant for at least 3 weeks and plays a crucial role in stress relieve during the acute and subacute ICU care of such patients.

  20. Faster-Than-Real-Time Simulation of Lithium Ion Batteries with Full Spatial and Temporal Resolution

    Directory of Open Access Journals (Sweden)

    Sandip Mazumder

    2013-01-01

    Full Text Available A one-dimensional coupled electrochemical-thermal model of a lithium ion battery with full temporal and normal-to-electrode spatial resolution is presented. Only a single pair of electrodes is considered in the model. It is shown that simulation of a lithium ion battery with the inclusion of detailed transport phenomena and electrochemistry is possible with faster-than-real-time compute times. The governing conservation equations of mass, charge, and energy are discretized using the finite volume method and solved using an iterative procedure. The model is first successfully validated against experimental data for both charge and discharge processes in a LixC6-LiyMn2O4 battery. Finally, it is demonstrated for an arbitrary rapidly changing transient load typical of a hybrid electric vehicle drive cycle. The model is able to predict the cell voltage of a 15-minute drive cycle in less than 12 seconds of compute time on a laptop with a 2.33 GHz Intel Pentium 4 processor.

  1. Differentially-Expressed Genes Associated with Faster Growth of the Pacific Abalone, Haliotis discus hannai.

    Science.gov (United States)

    Choi, Mi-Jin; Kim, Gun-Do; Kim, Jong-Myoung; Lim, Han Kyu

    2015-11-18

    The Pacific abalone Haliotis discus hannai is used for commercial aquaculture in Korea. We examined the transcriptome of Pacific abalone Haliotis discus hannai siblings using NGS technology to identify genes associated with high growth rates. Pacific abalones grown for 200 days post-fertilization were divided into small-, medium-, and large-size groups with mean weights of 0.26 ± 0.09 g, 1.43 ± 0.405 g, and 5.24 ± 1.09 g, respectively. RNA isolated from the soft tissues of each group was subjected to RNA sequencing. Approximately 1%-3% of the transcripts were differentially expressed in abalones, depending on the growth rate. RT-PCR was carried out on thirty four genes selected to confirm the relative differences in expression detected by RNA sequencing. Six differentially-expressed genes were identified as associated with faster growth of the Pacific abalone. These include five up-regulated genes (including one specific to females) encoding transcripts homologous to incilarin A, perlucin, transforming growth factor-beta-induced protein immunoglobulin-heavy chain 3 (ig-h3), vitelline envelope zona pellucida domain 4, and defensin, and one down-regulated gene encoding tomoregulin in large abalones. Most of the transcripts were expressed predominantly in the hepatopancreas. The genes identified in this study will lead to development of markers for identification of high-growth-rate abalones and female abalones.

  2. Differentially-Expressed Genes Associated with Faster Growth of the Pacific Abalone, Haliotis discus hannai

    Directory of Open Access Journals (Sweden)

    Mi-Jin Choi

    2015-11-01

    Full Text Available The Pacific abalone Haliotis discus hannai is used for commercial aquaculture in Korea. We examined the transcriptome of Pacific abalone Haliotis discus hannai siblings using NGS technology to identify genes associated with high growth rates. Pacific abalones grown for 200 days post-fertilization were divided into small-, medium-, and large-size groups with mean weights of 0.26 ± 0.09 g, 1.43 ± 0.405 g, and 5.24 ± 1.09 g, respectively. RNA isolated from the soft tissues of each group was subjected to RNA sequencing. Approximately 1%–3% of the transcripts were differentially expressed in abalones, depending on the growth rate. RT-PCR was carried out on thirty four genes selected to confirm the relative differences in expression detected by RNA sequencing. Six differentially-expressed genes were identified as associated with faster growth of the Pacific abalone. These include five up-regulated genes (including one specific to females encoding transcripts homologous to incilarin A, perlucin, transforming growth factor-beta-induced protein immunoglobulin-heavy chain 3 (ig-h3, vitelline envelope zona pellucida domain 4, and defensin, and one down-regulated gene encoding tomoregulin in large abalones. Most of the transcripts were expressed predominantly in the hepatopancreas. The genes identified in this study will lead to development of markers for identification of high-growth-rate abalones and female abalones.

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

    Science.gov (United States)

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

    2015-02-01

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

  4. 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...

  5. 1910–2010: How infrastructure grew our nation

    CSIR Research Space (South Africa)

    Wall, K

    2010-10-01

    Full Text Available and the motor car, with improved roads, have revolutionised inter-city travel; the Internet (and Wiki) have revolutionised how learners prepare assignments; computers (and software) have revolutionised data sorting and analysis; aerial photography and satellite...

  6. Chemistry in California: How it Started and How it Grew

    Science.gov (United States)

    Norberg, Arthur L.

    1976-01-01

    Gives a brief history of chemistry in California during the last 100 years, including the foundation of chemical industries, the development of chemistry departments in universities and their respective specialities, and the role of California laboratories in World War II. (MLH)

  7. The Association of Canadian Medical Colleges and how it grew.

    Science.gov (United States)

    Waugh, D

    1993-01-01

    The Association of Canadian Medical Colleges has evolved over the 50 years of its existence in ways that could not have been anticipated by its founders who, none the less, would approve of the mature adult their infant has become. Both undergraduate and postgraduate medical education in Canada are now on a firmer and more rational base than would have been possible without the guidance and direction provided by a national body capable of resisting regional and sectarian pressures. Credit for this achievement must go to those who were responsible for the creation of the secretariat in the early 1960s. The vision of Wendell Macleod, the first chief executive officer, led to the development of the association's strong research arm, and his charm and wisdom created a smoothly operating and loyal staff. The record of the organization is a tribute to its staff and to the wisdom and foresight of its Council of Deans and Board of Directors. PMID:8477373

  8. Faster, better, and cheaper” at NASA: Lessons learned in managing and accepting risk

    Science.gov (United States)

    Paxton, Larry J.

    2007-11-01

    Can Earth observing missions be done "better, faster and cheaper"? In this paper I explore the management and technical issues that arose from the attempt to do things "faster, better and cheaper" at NASA. The FBC mantra lead to some failures and, more significantly, an increase in the cadence of missions. Mission cadence is a major enabler of innovation and the driver for the training and testing of the next generation of managers, engineers, and scientists. A high mission cadence is required to maintain and develop competence in mission design, management, and execution and, for an exploration-driven organization, to develop and train the next generation of leaders: the time between missions must be short enough that careers span the complete life of more than a few missions. This process reduces risk because the "lessons learned" are current and widely held. Increasing the cadence of missions has the added benefit of reducing the pressure to do everything on one particular mission thus reducing mission complexity. Since failures are inevitable in such a complex endeavor, a higher mission cadence has the advantage of providing some resiliency to the scientific program the missions support. Some failures are avoidable (often only in hindsight) but most are due to some combination of interacting factors. This interaction is often only appreciated as a potential failure mode after the fact. There is always the pressure to do more with less: the scope of the project may become too ambitious or the management and oversight of the project may be reduced to fit the money allocated, or the project time line may be lengthened due to external factors (launcher availability, budgetary constraints) without a concomitant increase in the total funding. This leads to increased risk. Risks are always deemed acceptable until they change from a "risk" to a "failure mode". Identifying and managing those risks are particularly difficult when the activities are dispersed

  9. QERx- A Faster than Real-Time Emulator for Space Processors

    Science.gov (United States)

    Carvalho, B.; Pidgeon, A.; Robinson, P.

    2012-08-01

    Developing software for space systems is challenging. Especially because, in order to be sure it can cope with the harshness of the environment and the imperative requirements and constrains imposed by the platform were it will run, it needs to be tested exhaustively. Software Validation Facilities (SVF) are known to the industry and developers, and provide the means to run the On-Board Software (OBSW) in a realistic environment, allowing the development team to debug and test the software.But the challenge is to be able to keep up with the performance of the new processors (LEON2 and LEON3), which need to be emulated within the SVF. Such processor emulators are also used in Operational Simulators, used to support mission preparation and train mission operators. These simulators mimic the satellite and its behaviour, as realistically as possible. For test/operational efficiency reasons and because they will need to interact with external systems, both these uses cases require the processor emulators to provide real-time, or faster, performance.It is known to the industry that the performance of previously available emulators is not enough to cope with the performance of the new processors available in the market. SciSys approached this problem with dynamic translation technology trying to keep costs down by avoiding a hardware solution and keeping the integration flexibility of full software emulation.SciSys presented “QERx: A High Performance Emulator for Software Validation and Simulations” [1], in a previous DASIA event. Since then that idea has evolved and QERx has been successfully validated. SciSys is now presenting QERx as a product that can be tailored to fit different emulation needs. This paper will present QERx latest developments and current status.

  10. Faster processing of multiple spatially-heterodyned direct to digital holograms

    Science.gov (United States)

    Hanson, Gregory R [Clinton, TN; Bingham, Philip R [Knoxville, TN

    2008-09-09

    Systems and methods are described for faster processing of multiple spatially-heterodyned direct to digital holograms. A method includes of obtaining multiple spatially-heterodyned holograms, includes: digitally recording a first spatially-heterodyned hologram including spatial heterodyne fringes for Fourier analysis; digitally recording a second spatially-heterodyned hologram including spatial heterodyne fringes for Fourier analysis; Fourier analyzing the recorded first spatially-heterodyned hologram by shifting a first original origin of the recorded first spatially-heterodyned hologram including spatial heterodyne fringes in Fourier space to sit on top of a spatial-heterodyne carrier frequency defined as a first angle between a first reference beam and a first object beam; applying a first digital filter to cut off signals around the first original origin and performing an inverse Fourier transform on the result; Fourier analyzing the recorded second spatially-heterodyned hologram by shifting a second original origin of the recorded second spatially-heterodyned hologram including spatial heterodyne fringes in Fourier space to sit on top of a spatial-heterodyne carrier frequency defined as a second angle between a second reference beam and a second object beam; and applying a second digital filter to cut off signals around the second original origin and performing an inverse Fourier transform on the result, wherein digitally recording the first spatially-heterodyned hologram is completed before digitally recording the second spatially-heterodyned hologram and a single digital image includes both the first spatially-heterodyned hologram and the second spatially-heterodyned hologram.

  11. Faster but Less Careful Prehension in Presence of High, Rather than Low, Social Status Attendees.

    Directory of Open Access Journals (Sweden)

    Carlo Fantoni

    Full Text Available Ample evidence attests that social intention, elicited through gestures explicitly signaling a request of communicative intention, affects the patterning of hand movement kinematics. The current study goes beyond the effect of social intention and addresses whether the same action of reaching to grasp an object for placing it in an end target position within or without a monitoring attendee's peripersonal space, can be moulded by pure social factors in general, and by social facilitation in particular. A motion tracking system (Optotrak Certus was used to record motor acts. We carefully avoided the usage of communicative intention by keeping constant both the visual information and the positional uncertainty of the end target position, while we systematically varied the social status of the attendee (a high, or a low social status in separated blocks. Only thirty acts performed in the presence of a different social status attendee, revealed a significant change of kinematic parameterization of hand movement, independently of the attendee's distance. The amplitude of peak velocity reached by the hand during the reach-to-grasp and the lift-to-place phase of the movement was larger in the high rather than in the low social status condition. By contrast, the deceleration time of the reach-to-grasp phase and the maximum grasp aperture was smaller in the high rather than in the low social status condition. These results indicated that the hand movement was faster but less carefully shaped in presence of a high, but not of a low social status attendee. This kinematic patterning suggests that being monitored by a high rather than a low social status attendee might lead participants to experience evaluation apprehension that informs the control of motor execution. Motor execution would rely more on feedforward motor control in the presence of a high social status human attendee, vs. feedback motor control, in the presence of a low social status attendee.

  12. Sequential search leads to faster, more efficient fragment-based de novo protein structure prediction.

    Science.gov (United States)

    de Oliveira, Saulo H P; Law, Eleanor C; Shi, Jiye; Deane, Charlotte M

    2018-04-01

    Most current de novo structure prediction methods randomly sample protein conformations and thus require large amounts of computational resource. Here, we consider a sequential sampling strategy, building on ideas from recent experimental work which shows that many proteins fold cotranslationally. We have investigated whether a pseudo-greedy search approach, which begins sequentially from one of the termini, can improve the performance and accuracy of de novo protein structure prediction. We observed that our sequential approach converges when fewer than 20 000 decoys have been produced, fewer than commonly expected. Using our software, SAINT2, we also compared the run time and quality of models produced in a sequential fashion against a standard, non-sequential approach. Sequential prediction produces an individual decoy 1.5-2.5 times faster than non-sequential prediction. When considering the quality of the best model, sequential prediction led to a better model being produced for 31 out of 41 soluble protein validation cases and for 18 out of 24 transmembrane protein cases. Correct models (TM-Score > 0.5) were produced for 29 of these cases by the sequential mode and for only 22 by the non-sequential mode. Our comparison reveals that a sequential search strategy can be used to drastically reduce computational time of de novo protein structure prediction and improve accuracy. Data are available for download from: http://opig.stats.ox.ac.uk/resources. SAINT2 is available for download from: https://github.com/sauloho/SAINT2. saulo.deoliveira@dtc.ox.ac.uk. Supplementary data are available at Bioinformatics online.

  13. Faster diffraction-based overlay measurements with smaller targets using 3D gratings

    Science.gov (United States)

    Li, Jie; Kritsun, Oleg; Liu, Yongdong; Dasari, Prasad; Volkman, Catherine; Hu, Jiangtao

    2012-03-01

    Diffraction-based overlay (DBO) technologies have been developed to address the overlay metrology challenges for 22nm technology node and beyond. Most DBO technologies require specially designed targets that consist of multiple measurement pads, which consume too much space and increase measurement time. The traditional empirical approach (eDBO) using normal incidence spectroscopic reflectometry (NISR) relies on linear response of the reflectance with respect to overlay displacement within a small range. It offers convenience of quick recipe setup since there is no need to establish a model. However it requires three or four pads per direction (x or y) which adds burden to throughput and target size. Recent advances in modeling capability and computation power enabled mDBO, which allows overlay measurement with reduced number of pads, thus reducing measurement time and DBO target space. In this paper we evaluate the performance of single pad mDBO measurements using two 3D targets that have different grating shapes: squares in boxes and L-shapes in boxes. Good overlay sensitivities are observed for both targets. The correlation to programmed shifts and image-based overlay (IBO) is excellent. Despite the difference in shapes, the mDBO results are comparable for square and L-shape targets. The impact of process variations on overlay measurements is studied using a focus and exposure matrix (FEM) wafer. Although the FEM wafer has larger process variations, the correlation of mDBO results with IBO measurements is as good as the normal process wafer. We demonstrate the feasibility of single pad DBO measurements with faster throughput and smaller target size, which is particularly important in high volume manufacturing environment.

  14. Slower Perception Followed by Faster Lexical Decision in Longer Words: A Diffusion Model Analysis.

    Science.gov (United States)

    Oganian, Yulia; Froehlich, Eva; Schlickeiser, Ulrike; Hofmann, Markus J; Heekeren, Hauke R; Jacobs, Arthur M

    2015-01-01

    Effects of stimulus length on reaction times (RTs) in the lexical decision task are the topic of extensive research. While slower RTs are consistently found for longer pseudo-words, a finding coined the word length effect (WLE), some studies found no effects for words, and yet others reported faster RTs for longer words. Moreover, the WLE depends on the orthographic transparency of a language, with larger effects in more transparent orthographies. Here we investigate processes underlying the WLE in lexical decision in German-English bilinguals using a diffusion model (DM) analysis, which we compared to a linear regression approach. In the DM analysis, RT-accuracy distributions are characterized using parameters that reflect latent sub-processes, in particular evidence accumulation and decision-independent perceptual encoding, instead of typical parameters such as mean RT and accuracy. The regression approach showed a decrease in RTs with length for pseudo-words, but no length effect for words. However, DM analysis revealed that the null effect for words resulted from opposing effects of length on perceptual encoding and rate of evidence accumulation. Perceptual encoding times increased with length for words and pseudo-words, whereas the rate of evidence accumulation increased with length for real words but decreased for pseudo-words. A comparison between DM parameters in German and English suggested that orthographic transparency affects perceptual encoding, whereas effects of length on evidence accumulation are likely to reflect contextual information and the increase in available perceptual evidence with length. These opposing effects may account for the inconsistent findings on WLEs.

  15. 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.

  16. Kanosa- Lending an Ear to the Body and Mind Secrets of Rural Women:Thoughts on Health and Modernity

    Directory of Open Access Journals (Sweden)

    Satlaj Dighe

    2011-10-01

    Full Text Available This review article discusses the text Kanosa - Grameen Streechya Sharir ani Manatil Gupitancha, translated as ‘Lending an Ear to the Secrets of Body and Mind of the Rural Woman’ by Dr. Rani Bang. The original text provides detailed information on various life-cycle health experiences of women; illness categories (nosography; health practices; sexualities; diets and local life-worlds of health and bodily experiences based on the in depth discussions with local women. In the context of current trends and prevailing ideologies in the community health sector of India, our critical review highlights the significance of the approach adopted by Dr. Rani Bang in locating health as an integral part of culture.We seek to introduce important discussions in Bang’s text on ethnophysiology, local categories of diseases and their implications on modern community health interventions, as ell as the definitions of the normal, abnormal and pathological as provided by the local community. In light of these discussions, we  examine certain characteristics of the modern Indian community health sector such as its inability to work with local epistemologies of health and illness and its philosophical reliance on Cartesian dualism and western notions of personhood. Certain features of community health such as complete separation of fertility and sexuality as well as the exclusively nutritional approach to dietary phenomena are also reviewed with reference to Kanosa and other significant literature. 

  17. ACCOUNTING TECHNIQUES SPECIFIC TO EXPORTS OF GOODS ON ITS OWN BEHALF WITH LONG-TERM COMMERCIAL LENDING

    Directory of Open Access Journals (Sweden)

    Paliu - Popa Lucia

    2012-12-01

    Full Text Available Starting from the consideration that, under increasingly fierce global competition, no country can remain passive on the results arising from international commercial transactions, developing countries and thus foreign trade companies have developed in turn, financial and institutional mechanisms aimed at continuous improvement of their position in global trade, the context in which the export of complex goods, of high values is performed, operation that requires a great financial of those entities, covered by financing of the international delivery from bank loans whose repayment term is longer than one year. Looking from this perspective, the scientific approach made at the entities carrying out foreign trade activities is aimed at developing accounting models specific to the export made on its own behalf with long-term commercial lending, procedures that will be formulated in congruence with the level and structure of the foreign price, the delivery term of the goods and the settlement term of debts or receivables, so that the accounting analysis should enable us to draw relevant conclusions that will help guide the management decisions to adopt those forms to achieve external transactions that are deemed to be the best.

  18. 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.

  19. Functional effects of treadmill-based gait training at faster speeds in stroke survivors: a prospective, single-group study.

    Science.gov (United States)

    Mohammadi, Roghayeh; Ershad, Navid; Rezayinejad, Marziyeh; Fatemi, Elham; Phadke, Chetan P

    2017-09-01

    To examine the functional effects of walking retraining at faster than self-selected speed (SSS). Ten individuals with chronic stroke participated in a 4-week training over a treadmill at walking speeds 40% faster than SSS, three times per week, 30 min/session. Outcome measures assessed before, after, and 2 months after the end of intervention were the Timed Up and Go, the 6-Minute Walk, the 10-Meter Walk test, the Modified Ashworth Scale, SSS, and fastest comfortable speed. After 4 weeks of training, all outcome measures showed clinically meaningful and statistically significant improvements (Ptraining. The results showed that a strategy of training at a speed 40% faster than SSS can improve functional activity in individuals with chronic stroke, with effects lasting up to 2 months after the intervention.

  20. Are OPERA neutrinos faster than light because of non-inertial reference frames?

    Science.gov (United States)

    Germanà, C.

    2012-02-01

    Context. Recent results from the OPERA experiment reported a neutrino beam traveling faster than light. The challenging experiment measured the neutrino time of flight (TOF) over a baseline from the CERN to the Gran Sasso site, concluding that the neutrino beam arrives ~60 ns earlier than a light ray would do. Because the result, if confirmed, has an enormous impact on science, it might be worth double-checking the time definitions with respect to the non-inertial system in which the neutrino travel time was measured. An observer with a clock measuring the proper time τ free of non-inertial effects is the one located at the solar system barycenter (SSB). Aims: Potential problems in the OPERA data analysis connected with the definition of the reference frame and time synchronization are emphasized. We aim to investigate the synchronization of non-inertial clocks on Earth by relating this time to the proper time of an inertial observer at SSB. Methods: The Tempo2 software was used to time-stamp events observed on the geoid with respect to the SSB inertial observer time. Results: Neutrino results from OPERA might carry the fingerprint of non-inertial effects because they are timed by terrestrial clocks. The CERN-Gran Sasso clock synchronization is accomplished by applying corrections that depend on special and general relativistic time dilation effects at the clocks, depending on the position of the clocks in the solar system gravitational well. As a consequence, TOF distributions are centered on values shorter by tens of nanoseconds than expected, integrating over a period from April to December, longer if otherwise. It is worth remarking that the OPERA runs have always been carried out from April/May to November. Conclusions: If the analysis by Tempo2 holds for the OPERA experiment, the excellent measurement by the OPERA collaboration will turn into a proof of the general relativity theory in a weak field approximation. The analysis presented here is falsifiable

  1. Second generation stationary digital breast tomosynthesis system with faster scan time and wider angular span.

    Science.gov (United States)

    Calliste, Jabari; Wu, Gongting; Laganis, Philip E; Spronk, Derrek; Jafari, Houman; Olson, Kyle; Gao, Bo; Lee, Yueh Z; Zhou, Otto; Lu, Jianping

    2017-09-01

    The aim of this study was to characterize a new generation stationary digital breast tomosynthesis system with higher tube flux and increased angular span over a first generation system. The linear CNT x-ray source was designed, built, and evaluated to determine its performance parameters. The second generation system was then constructed using the CNT x-ray source and a Hologic gantry. Upon construction, test objects and phantoms were used to characterize system resolution as measured by the modulation transfer function (MTF), and artifact spread function (ASF). The results indicated that the linear CNT x-ray source was capable of stable operation at a tube potential of 49 kVp, and measured focal spot sizes showed source-to-source consistency with a nominal focal spot size of 1.1 mm. After construction, the second generation (Gen 2) system exhibited entrance surface air kerma rates two times greater the previous s-DBT system. System in-plane resolution as measured by the MTF is 7.7 cycles/mm, compared to 6.7 cycles/mm for the Gen 1 system. As expected, an increase in the z-axis depth resolution was observed, with a decrease in the ASF from 4.30 mm to 2.35 mm moving from the Gen 1 system to the Gen 2 system as result of an increased angular span. The results indicate that the Gen 2 stationary digital breast tomosynthesis system, which has a larger angular span, increased entrance surface air kerma, and faster image acquisition time over the Gen 1 s-DBT system, results in higher resolution images. With the detector operating at full resolution, the Gen 2 s-DBT system can achieve an in-plane resolution of 7.7 cycles per mm, which is better than the current commercial DBT systems today, and may potentially result in better patient diagnosis. © 2017 American Association of Physicists in Medicine.

  2. PET/CT Biograph trademark Sensation 16. Performance improvement using faster electronics

    International Nuclear Information System (INIS)

    Martinez, M.J.; Schwaiger, M.; Ziegler, S.I.; Bercier, Y.

    2006-01-01

    Aim: the new PET/CT biograph sensation 16 (BS16) tomographs have faster detector electronics which allow a reduced timing coincidence window and an increased lower energy threshold (from 350 to 400 keV). This paper evaluates the performance of the BS16 PET scanner before and after the Pico-3D electronics upgrade. Methods: four NEMA NU 2-2001 protocols, (i) spatial resolution, (ii) scatter fraction, count losses and random measurement, (iii) sensitivity, and (iv) image quality, have been performed. Results: a considerable change in both PET count-rate performance and image quality is observed after electronics upgrade. The new scatter fraction obtained using Pico-3D electronics showed a 14% decrease compared to that obtained with the previous electronics. At the typical patient background activity (5.3 kBq/ml), the new scatter fraction was approximately 0.42. The noise equivalent count-rate (R NEC ) performance was also improved. The value at which the R NEC curve peaked, increased from 3.7 . 10 4 s -1 at 14 kBq/ml to 6.4 . 10 4 s -1 at 21 kBq/ml (2R-NEC rate). Likewise, the peak true count-rate value increased from 1.9 . 10 5 s -1 at 22 kBq/ml to 3.4 . 10 5 s -1 at 33 kBq/ml. An average increase of 45% in contrast was observed for hot spheres when using AW-OSEM (4ix8s) as the reconstruction algorithm. For cold spheres, the average increase was 12%. Conclusion: the performance of the PET scanners in the BS16 tomographs is improved by the optimization of the signal processing. The narrower energy and timing coincidence windows lead to a considerable increase of signal-to-noise ratio. The existing combination of fast detectors and adapted electronics in the BS16 tomographs allow imaging protocols with reduced acquisition time, providing higher patient throughput. (orig.)

  3. 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

  4. 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

  5. Lending bureaucracy voice

    DEFF Research Database (Denmark)

    Mortensen, Janus; Hazel, Spencer

    2017-01-01

    with institutional power. Methodologically, the chapter makes a case for the detailed study of social interaction in transient multilingual communities as a window on linguistic and social change, which may, as one avenue of future research, stimulate cross-fertilization between sociolinguistics and the emerging......This study explores how English, used in the context of university internationalisation, is habitually called upon to verbalize concepts and practices which are intimately tied to local settings but which do not necessarily have direct equivalents in English. Focusing on institutional encounters...... at a Danish university, the study illustrates how speakers negotiate expressions for local bureaucratic terms and procedures as well as their meaning, and argues that such instances of joint meaning making carry the potential to contribute to the hyper-local emergent register of English found in the setting...

  6. 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

  7. When to Blink and when to Think: Preference for Intuitive Decisions Results in Faster and Better Tactical Choices

    Science.gov (United States)

    Raab, Markus; Laborde, Sylvain

    2011-01-01

    Intuition is often considered an effective manner of decision making in sports. In this study we investigated whether a preference for intuition over deliberation results in faster and better lab-based choices in team handball attack situations with 54 male and female handball players of different expertise levels. We assumed that intuitive…

  8. An Adaptive Tuning Mechanism for Phase-Locked Loop Algorithms for Faster Time Performance of Interconnected Renewable Energy Sources

    DEFF Research Database (Denmark)

    Hadjidemetriou, Lenos; Kyriakides, Elias; Blaabjerg, Frede

    2015-01-01

    Interconnected renewable energy sources (RES) require fast and accurate fault ride through (FRT) operation, in order to support the power grid, when faults occur. This paper proposes an adaptive phase-locked loop (adaptive dαβPLL) algorithm, which can be used for a faster and more accurate response...

  9. Dyslexics' faster decay of implicit memory for sounds and words is manifested in their shorter neural adaptation.

    Science.gov (United States)

    Jaffe-Dax, Sagi; Frenkel, Or; Ahissar, Merav

    2017-01-24

    Dyslexia is a prevalent reading disability whose underlying mechanisms are still disputed. We studied the neural mechanisms underlying dyslexia using a simple frequency-discrimination task. Though participants were asked to compare the two tones in each trial, implicit memory of previous trials affected their responses. We hypothesized that implicit memory decays faster among dyslexics. We tested this by increasing the temporal intervals between consecutive trials, and by measuring the behavioral impact and ERP responses from the auditory cortex. Dyslexics showed a faster decay of implicit memory effects on both measures, with similar time constants. Finally, faster decay of implicit memory also characterized the impact of sound regularities in benefitting dyslexics' oral reading rate. Their benefit decreased faster as a function of the time interval from the previous reading of the same non-word. We propose that dyslexics' shorter neural adaptation paradoxically accounts for their longer reading times, since it reduces their temporal window of integration of past stimuli, resulting in noisier and less reliable predictions for both simple and complex stimuli. Less reliable predictions limit their acquisition of reading expertise.

  10. Risk perception about medication sharing among patients: a focus group qualitative study on borrowing and lending of prescription analgesics

    Directory of Open Access Journals (Sweden)

    Markotic F

    2017-02-01

    Full Text Available Filipa Markotic,1 Davorka Vrdoljak,2 Marijana Puljiz,3 Livia Puljak,4 1Centre for Clinical Pharmacology, University Clinical Hospital Mostar, Mostar, Bosnia and Herzegovina; 2Department of Family Medicine, University of Split School of Medicine, Split, 3Family Medicine Clinic, Health Centre Imotski, Kamenmost, 4Laboratory for Pain Research, University of Split School of Medicine, Split, Croatia Background: One form of self-medication is sharing of medications, defined as borrowing or lending medications in situations where the receiver of these drugs is not the individual to whom the medications were allocated. Objective: To explore experiences and opinions of patients about sharing prescription analgesics, reasons for sharing prescription analgesics, the way in which patients choose to share those medications, their awareness of risk regarding sharing prescription analgesics, and how they estimated the potential risk.Methods: This qualitative study was conducted by focus group discussions with 40 participants led by a moderator trained in focus group methodology using a semi-structured moderator guide. Adults aged ≥18 years who had received a prescription for an analgesic at least once in a lifetime were included. Six separate focus groups were conducted to discuss participants’ perception of risks associated with sharing of prescription analgesics among patients. Additionally, participants filled out two questionnaires on demographic data, their own behavior regarding sharing analgesics, and their attitudes about risks associated with sharing prescription analgesics.Results: In a questionnaire, 55% of the participants indicated that they personally shared prescription analgesics, while subsequently in the focus group discussions, 76% confessed to such behavior. Participants recognized certain risks related to sharing of prescription analgesics, mentioned a number of reasons for engaging in such behavior, and indicated certain positive

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

    Science.gov (United States)

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

    2015-07-15

    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 5.6 σ in each of two detector systems. Volatiles are deduced to collect in or on the cold nightside surface and distill out of the regolith after dawn as rotation exposes the surface to sunlight. Liberated volatiles migrate away from the warm subsolar region toward the nearby cold nightside surface beyond the terminator, resulting in maximum concentration at the dawn terminator. The peak concentration within the upper ~1 m of regolith is estimated to be 0.0125 ± 0.0022 weight-percent water-equivalent hydrogen (wt% WEH) at dawn, yielding an accumulation of 190 ± 30 ml recoverable water per square meter of regolith at each dawn. Volatile transport over the lunar surface in opposition to the Moon's rotation exposes molecules to solar ultraviolet radiation. The short lifetime against photolysis and permanent loss of hydrogen from the Moon requires a resupply rate that greatly exceeds anticipated delivery of hydrogen by solar wind implantation or by meteoroid impacts, suggesting that the surface inventory must be continually resupplied by release from a deep volatile inventory in the Moon. The natural distillation of water from the regolith by sunlight and its capture on the cold night surface may

  12. 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...

  13. Simultaneous development of laparoscopy and robotics provides acceptable perioperative outcomes and shows robotics to have a faster learning curve and to be overall faster in rectal cancer surgery: analysis of novice MIS surgeon learning curves.

    Science.gov (United States)

    Melich, George; Hong, Young Ki; Kim, Jieun; Hur, Hyuk; Baik, Seung Hyuk; Kim, Nam Kyu; Sender Liberman, A; Min, Byung Soh

    2015-03-01

    Laparoscopy offers some evidence of benefit compared to open rectal surgery. Robotic rectal surgery is evolving into an accepted approach. The objective was to analyze and compare laparoscopic and robotic rectal surgery learning curves with respect to operative times and perioperative outcomes for a novice minimally invasive colorectal surgeon. One hundred and six laparoscopic and 92 robotic LAR rectal surgery cases were analyzed. All surgeries were performed by a surgeon who was primarily trained in open rectal surgery. Patient characteristics and perioperative outcomes were analyzed. Operative time and CUSUM plots were used for evaluating the learning curve for laparoscopic versus robotic LAR. Laparoscopic versus robotic LAR outcomes feature initial group operative times of 308 (291-325) min versus 397 (373-420) min and last group times of 220 (212-229) min versus 204 (196-211) min-reversed in favor of robotics; major complications of 4.7 versus 6.5 % (NS), resection margin involvement of 2.8 versus 4.4 % (NS), conversion rate of 3.8 versus 1.1 (NS), lymph node harvest of 16.3 versus 17.2 (NS), and estimated blood loss of 231 versus 201 cc (NS). Due to faster learning curves for extracorporeal phase and total mesorectal excision phase, the robotic surgery was observed to be faster than laparoscopic surgery after the initial 41 cases. CUSUM plots demonstrate acceptable perioperative surgical outcomes from the beginning of the study. Initial robotic operative times improved with practice rapidly and eventually became faster than those for laparoscopy. Developing both laparoscopic and robotic skills simultaneously can provide acceptable perioperative outcomes in rectal surgery. It might be suggested that in the current milieu of clashing interests between evolving technology and economic constrains, there might be advantages in embracing both approaches.

  14. Will small energy consumers be faster in transition? Evidence from the early shift from coal to oil in Latin America

    International Nuclear Information System (INIS)

    Rubio, M.d.Mar; Folchi, Mauricio

    2012-01-01

    This paper provide evidence of the early transition from coal to oil for 20 Latin American countries over the first half of the 20th century, which does not fit the transition experiences of large energy consumers. These small energy consumers had earlier and faster transitions than leading nations. We also provide evidence for alternative sequences (inverse, revertible) in the transition from coal to oil. Furthermore, we demonstrate that ‘leapfrogging’ allowed a set of follower economies to reach the next rung of the energy ladder (oil domination) 30 years in advance of the most developed economies. We examine these follower economies, where transition took place earlier and faster than the cases historically known, in order to understand variation within the energy transitions and to expand the array of feasible pathways of future energy transitions. We find that being a small energy consumer makes a difference for the way the energy transition takes place; but also path dependence (including trade and technological partnerships), domestic energy endowment (which dictates relative prices) and policy decisions seem to be the variables that shaped past energy transitions. - Highlights: ► We provide evidence of the early transition from coal to oil for 20 Latin American. ► We find that being a small energy consumer makes a difference for the way the energy transition takes place. ► Followers had earlier and faster transitions than leading nations. ► ‘Leapfrogging’ allowed extremely fast energy transitions. ► Alternative forms (revertible, inverse) of energy transition also exist.

  15. The hard-won benefits of familiarity in visual search: naturally familiar brand logos are found faster.

    Science.gov (United States)

    Qin, Xiaoyan Angela; Koutstaal, Wilma; Engel, Stephen A

    2014-05-01

    Familiar items are found faster than unfamiliar ones in visual search tasks. This effect has important implications for cognitive theory, because it may reveal how mental representations of commonly encountered items are changed by experience to optimize performance. It remains unknown, however, whether everyday items with moderate levels of exposure would show benefits in visual search, and if so, what kind of experience would be required to produce them. Here, we tested whether familiar product logos were searched for faster than unfamiliar ones, and also familiarized subjects with previously unfamiliar logos. Subjects searched for preexperimentally familiar and unfamiliar logos, half of which were familiarized in the laboratory, amongst other, unfamiliar distractor logos. In three experiments, we used an N-back-like familiarization task, and in four others we used a task that asked detailed questions about the perceptual aspects of the logos. The number of familiarization exposures ranged from 30 to 84 per logo across experiments, with two experiments involving across-day familiarization. Preexperimentally familiar target logos were searched for faster than were unfamiliar, nonfamiliarized logos, by 8 % on average. This difference was reliable in all seven experiments. However, familiarization had little or no effect on search speeds; its average effect was to improve search times by 0.7 %, and its effect was significant in only one of the seven experiments. If priming, mere exposure, episodic memory, or relatively modest familiarity were responsible for familiarity's effects on search, then performance should have improved following familiarization. Our results suggest that the search-related advantage of familiar logos does not develop easily or rapidly.

  16. Better, faster and cheaper energy facades for transformation of multi-storey blocks built between 1960 and 1976

    DEFF Research Database (Denmark)

    Vestergaard, Inge

    2013-01-01

    an innovative process. The aim is to inspire clients and consultants to think smart through optimizing the planning and design process as well as the building process. Through this way of thinking we can secure a better, cheaper and faster energy renovation of the existing building stock. The project is under...... scale projects have been driven by the housing association AL2bolig, Tilst, Denmark. Author was part of the architectural discussion through planning process and the evaluation of the first frame competition. The methods used are: - participation through the development process - comparable research...

  17. An adaptive Phase-Locked Loop algorithm for faster fault ride through performance of interconnected renewable energy sources

    DEFF Research Database (Denmark)

    Hadjidemetriou, Lenos; Kyriakides, Elias; Blaabjerg, Frede

    2013-01-01

    Interconnected renewable energy sources require fast and accurate fault ride through operation in order to support the power grid when faults occur. This paper proposes an adaptive Phase-Locked Loop (adaptive dαβPLL) algorithm, which can be used for a faster and more accurate response of the grid...... side converter control of a renewable energy source, especially under fault ride through operation. The adaptive dαβPLL is based on modifying the control parameters of the dαβPLL according to the type and voltage characteristic of the grid fault with the purpose of accelerating the performance...

  18. They all do it, will you? Event-related potential evidence of herding behavior in online peer-to-peer lending.

    Science.gov (United States)

    Yu, Haihong; Dan, MengHan; Ma, Qingguo; Jin, Jia

    2018-05-14

    As herding is a typical characteristic of human behavior, many researchers have found the existence of herding behavior in online peer-to-peer lending through empirical surveys. However, the underlying neural basis of this phenomenon is still unclear. In the current study, we studied the neural activities of herding at decision-making stage and feedback stage using event-related potentials (ERPs). Our results showed that at decision-making stage, larger error related negativity (ERN) amplitude was induced under low-proportion conditions than that of high-proportion conditions. Meanwhile, during feedback stage, negative feedback elicited larger feedback related negativity (FRN) amplitude than that of positive feedback under low-proportion conditions, however, there was no significant FRN difference under high-proportion conditions. The current study suggests that herding behavior in online peer-to-peer lending is related to individual's risk perception and is possible to avoid negative emotions brought by failed investments. Copyright © 2018 Elsevier B.V. All rights reserved.

  19. Faster proton transfer dynamics of water on SnO2 compared to TiO2.

    Science.gov (United States)

    Kumar, Nitin; Kent, Paul R C; Bandura, Andrei V; Kubicki, James D; Wesolowski, David J; Cole, David R; Sofo, Jorge O

    2011-01-28

    Proton jump processes in the hydration layer on the iso-structural TiO(2) rutile (110) and SnO(2) cassiterite (110) surfaces were studied with density functional theory molecular dynamics. We find that the proton jump rate is more than three times faster on cassiterite compared with rutile. A local analysis based on the correlation between the stretching band of the O-H vibrations and the strength of H-bonds indicates that the faster proton jump activity on cassiterite is produced by a stronger H-bond formation between the surface and the hydration layer above the surface. The origin of the increased H-bond strength on cassiterite is a combined effect of stronger covalent bonding and stronger electrostatic interactions due to differences of its electronic structure. The bridging oxygens form the strongest H-bonds between the surface and the hydration layer. This higher proton jump rate is likely to affect reactivity and catalytic activity on the surface. A better understanding of its origins will enable methods to control these rates.

  20. A faster and more reliable data acquisition system for the full performance of the SciCRT

    International Nuclear Information System (INIS)

    Sasai, Y.; Matsubara, Y.; Itow, Y.; Sako, T.; Kawabata, T.; Lopez, D.; Hikimochi, R.; Tsuchiya, A.; Ikeno, M.; Uchida, T.; Tanaka, M.; Munakata, K.; Kato, C.; Nakamura, Y.; Oshima, T.; Koike, T.; Kozai, M.; Shibata, S.; Oshima, A.; Takamaru, H.

    2017-01-01

    The SciBar Cosmic Ray Telescope (SciCRT) is a massive scintillator tracker to observe cosmic rays at a very high-altitude environment in Mexico. The fully active tracker is based on the Scintillator Bar (SciBar) detector developed as a near detector for the KEK-to-Kamioka long-baseline neutrino oscillation experiment (K2K) in Japan. Since the data acquisition (DAQ) system was developed for the accelerator experiment, we determined to develop a new robust DAQ system to optimize it to our cosmic-ray experiment needs at the top of Mt. Sierra Negra (4600 m). One of our special requirements is to achieve a 10 times faster readout rate. We started to develop a new fast readout back-end board (BEB) based on 100 Mbps SiTCP, a hardware network processor developed for DAQ systems for high energy physics experiments. Then we developed the new BEB which has a potential of 20 times faster than the current one in the case of observing neutrons. Finally we installed the new DAQ system including the new BEBs to a part of the SciCRT in July 2015. The system has been operating since then. In this paper, we describe the development, the basic performance of the new BEB, the status after the installation in the SciCRT, and the future performance.

  1. A faster and more reliable data acquisition system for the full performance of the SciCRT

    Energy Technology Data Exchange (ETDEWEB)

    Sasai, Y., E-mail: sasaiyoshinori@isee.nagoya-u.ac.jp [Institute for Space-Earth Environmental Research, Nagoya University, Furo-cho, Chikusa-ku, Nagoya 464-8601 (Japan); Matsubara, Y.; Itow, Y.; Sako, T.; Kawabata, T.; Lopez, D.; Hikimochi, R.; Tsuchiya, A. [Institute for Space-Earth Environmental Research, Nagoya University, Furo-cho, Chikusa-ku, Nagoya 464-8601 (Japan); Ikeno, M.; Uchida, T.; Tanaka, M. [High Energy Accelerator Research Organization, KEK, 1-1 Oho, Tsukuba, Ibaraki 305-0801 (Japan); Munakata, K.; Kato, C.; Nakamura, Y.; Oshima, T.; Koike, T. [Department of Physics, Shinshu University, Asahi, Matsumoto 390-8621 (Japan); Kozai, M. [Institute of Space and Astronautical Science, Japan Aerospace Exploration Agency (ISAS/JAXA), Sagamihara, Kanagawa 252-5210 (Japan); Shibata, S.; Oshima, A.; Takamaru, H. [College of Engineering, Chubu University, Kasugai 487-8501 (Japan); and others

    2017-06-11

    The SciBar Cosmic Ray Telescope (SciCRT) is a massive scintillator tracker to observe cosmic rays at a very high-altitude environment in Mexico. The fully active tracker is based on the Scintillator Bar (SciBar) detector developed as a near detector for the KEK-to-Kamioka long-baseline neutrino oscillation experiment (K2K) in Japan. Since the data acquisition (DAQ) system was developed for the accelerator experiment, we determined to develop a new robust DAQ system to optimize it to our cosmic-ray experiment needs at the top of Mt. Sierra Negra (4600 m). One of our special requirements is to achieve a 10 times faster readout rate. We started to develop a new fast readout back-end board (BEB) based on 100 Mbps SiTCP, a hardware network processor developed for DAQ systems for high energy physics experiments. Then we developed the new BEB which has a potential of 20 times faster than the current one in the case of observing neutrons. Finally we installed the new DAQ system including the new BEBs to a part of the SciCRT in July 2015. The system has been operating since then. In this paper, we describe the development, the basic performance of the new BEB, the status after the installation in the SciCRT, and the future performance.

  2. HPV-FASTER

    DEFF Research Database (Denmark)

    Bosch, F Xavier; Robles, Claudia; Díaz, Mireia

    2016-01-01

    protocol would represent an attractive approach for many health-care systems, in particular, countries in Central and Eastern Europe, Latin America, Asia, and some more-developed parts of Africa. The role of vaccination in women aged >30 years and the optimal number of HPV-screening tests required......Human papillomavirus (HPV)-related screening technologies and HPV vaccination offer enormous potential for cancer prevention, notably prevention of cervical cancer. The effectiveness of these approaches is, however, suboptimal owing to limited implementation of screening programmes and restricted...... indications for HPV vaccination. Trials of HPV vaccination in women aged up to 55 years have shown almost 90% protection from cervical precancer caused by HPV16/18 among HPV16/18-DNA-negative women. We propose extending routine vaccination programmes to women of up to 30 years of age (and to the 45-50-year...

  3. Controlling chaos faster

    International Nuclear Information System (INIS)

    Bick, Christian; Kolodziejski, Christoph; Timme, Marc

    2014-01-01

    Predictive feedback control is an easy-to-implement method to stabilize unknown unstable periodic orbits in chaotic dynamical systems. Predictive feedback control is severely limited because asymptotic convergence speed decreases with stronger instabilities which in turn are typical for larger target periods, rendering it harder to effectively stabilize periodic orbits of large period. Here, we study stalled chaos control, where the application of control is stalled to make use of the chaotic, uncontrolled dynamics, and introduce an adaptation paradigm to overcome this limitation and speed up convergence. This modified control scheme is not only capable of stabilizing more periodic orbits than the original predictive feedback control but also speeds up convergence for typical chaotic maps, as illustrated in both theory and application. The proposed adaptation scheme provides a way to tune parameters online, yielding a broadly applicable, fast chaos control that converges reliably, even for periodic orbits of large period

  4. Faster scannerless GLR parsing

    NARCIS (Netherlands)

    Economopoulos, G.R.; Klint, P.; Vinju, J.J.; Moor, de O.; Schwartzbach, M.I.

    2009-01-01

    Analysis and renovation of large software portfolios requires syntax analysis of multiple, usually embedded, languages and this is beyond the capabilities of many standard parsing techniques. The traditional separation between lexer and parser falls short due to the limitations of tokenization based

  5. Faster Scannerless GLR parsing

    NARCIS (Netherlands)

    J.J. Vinju (Jurgen); G.R. Economopoulos (Giorgos Robert); P. Klint (Paul)

    2008-01-01

    textabstractAnalysis and renovation of large software portfolios requires syntax analysis of multiple, usually embedded, languages and this is beyond the capabilities of many standard parsing techniques. The traditional separation between lexer and parser falls short due to the limitations of

  6. Faster, Practical GLL Parsing

    NARCIS (Netherlands)

    A. Afroozeh (Ali); A. Izmaylova (Anastasia)

    2015-01-01

    htmlabstractGeneralized LL (GLL) parsing is an extension of recursive-descent (RD) parsing that supports all context-free grammars in cubic time and space. GLL parsers have the direct relationship with the grammar that RD parsers have, and therefore, compared to GLR, are easier to understand, debug,

  7. Faster scannerless GLR parsing

    NARCIS (Netherlands)

    G.R. Economopoulos (Giorgos Robert); P. Klint (Paul); J.J. Vinju (Jurgen); O. de Moor; M.I. Schwartzbach

    2009-01-01

    textabstractAnalysis and renovation of large software portfolios requires syntax analysis of multiple, usually embedded, languages and this is beyond the capabilities of many standard parsing techniques. The traditional separation between lexer and parser falls short due to the limitations of

  8. Controlling chaos faster.

    Science.gov (United States)

    Bick, Christian; Kolodziejski, Christoph; Timme, Marc

    2014-09-01

    Predictive feedback control is an easy-to-implement method to stabilize unknown unstable periodic orbits in chaotic dynamical systems. Predictive feedback control is severely limited because asymptotic convergence speed decreases with stronger instabilities which in turn are typical for larger target periods, rendering it harder to effectively stabilize periodic orbits of large period. Here, we study stalled chaos control, where the application of control is stalled to make use of the chaotic, uncontrolled dynamics, and introduce an adaptation paradigm to overcome this limitation and speed up convergence. This modified control scheme is not only capable of stabilizing more periodic orbits than the original predictive feedback control but also speeds up convergence for typical chaotic maps, as illustrated in both theory and application. The proposed adaptation scheme provides a way to tune parameters online, yielding a broadly applicable, fast chaos control that converges reliably, even for periodic orbits of large period.

  9. Controlling chaos faster

    Energy Technology Data Exchange (ETDEWEB)

    Bick, Christian [Network Dynamics, Max Planck Institute for Dynamics and Self-Organization (MPIDS), 37077 Göttingen (Germany); Bernstein Center for Computational Neuroscience (BCCN), 37077 Göttingen (Germany); Institute for Mathematics, Georg–August–Universität Göttingen, 37073 Göttingen (Germany); Kolodziejski, Christoph [Network Dynamics, Max Planck Institute for Dynamics and Self-Organization (MPIDS), 37077 Göttingen (Germany); III. Physical Institute—Biophysics, Georg–August–Universität Göttingen, 37077 Göttingen (Germany); Timme, Marc [Network Dynamics, Max Planck Institute for Dynamics and Self-Organization (MPIDS), 37077 Göttingen (Germany); Institute for Nonlinear Dynamics, Georg–August–Universität Göttingen, 37077 Göttingen (Germany)

    2014-09-01

    Predictive feedback control is an easy-to-implement method to stabilize unknown unstable periodic orbits in chaotic dynamical systems. Predictive feedback control is severely limited because asymptotic convergence speed decreases with stronger instabilities which in turn are typical for larger target periods, rendering it harder to effectively stabilize periodic orbits of large period. Here, we study stalled chaos control, where the application of control is stalled to make use of the chaotic, uncontrolled dynamics, and introduce an adaptation paradigm to overcome this limitation and speed up convergence. This modified control scheme is not only capable of stabilizing more periodic orbits than the original predictive feedback control but also speeds up convergence for typical chaotic maps, as illustrated in both theory and application. The proposed adaptation scheme provides a way to tune parameters online, yielding a broadly applicable, fast chaos control that converges reliably, even for periodic orbits of large period.

  10. High Fidelity, “Faster than Real-Time” Simulator for Predicting Power System Dynamic Behavior - Final Technical Report

    Energy Technology Data Exchange (ETDEWEB)

    Flueck, Alex [Illinois Inst. of Technology, Chicago, IL (United States)

    2017-07-14

    The “High Fidelity, Faster than Real­Time Simulator for Predicting Power System Dynamic Behavior” was designed and developed by Illinois Institute of Technology with critical contributions from Electrocon International, Argonne National Laboratory, Alstom Grid and McCoy Energy. Also essential to the project were our two utility partners: Commonwealth Edison and AltaLink. The project was a success due to several major breakthroughs in the area of large­scale power system dynamics simulation, including (1) a validated faster than real­ time simulation of both stable and unstable transient dynamics in a large­scale positive sequence transmission grid model, (2) a three­phase unbalanced simulation platform for modeling new grid devices, such as independently controlled single­phase static var compensators (SVCs), (3) the world’s first high fidelity three­phase unbalanced dynamics and protection simulator based on Electrocon’s CAPE program, and (4) a first­of­its­ kind implementation of a single­phase induction motor model with stall capability. The simulator results will aid power grid operators in their true time of need, when there is a significant risk of cascading outages. The simulator will accelerate performance and enhance accuracy of dynamics simulations, enabling operators to maintain reliability and steer clear of blackouts. In the long­term, the simulator will form the backbone of the newly conceived hybrid real­time protection and control architecture that will coordinate local controls, wide­area measurements, wide­area controls and advanced real­time prediction capabilities. The nation’s citizens will benefit in several ways, including (1) less down time from power outages due to the faster­than­real­time simulator’s predictive capability, (2) higher levels of reliability due to the detailed dynamics plus protection simulation capability, and (3) more resiliency due to the three­ phase unbalanced simulator’s ability to

  11. Platelet-rich fibrin, "a faster healing aid" in the treatment of combined lesions: A report of two cases.

    Science.gov (United States)

    Karunakar, Parupalli; Prasanna, Jammula Surya; Jayadev, Matapathi; Shravani, Guniganti Sushma

    2014-09-01

    Anatomically the pulp and periodontium are connected through apical foramen, and the lateral, accessory, and furcal canals. Diseases of one tissue may affect the other. In the present case report with two cases, a primary periodontal lesion with secondary endodontic involvement is described. In both cases, root canal treatment was done followed by periodontal therapy with the use of platelet-rich fibrin (PRF) as the regenerative material of choice. PRF has been a breakthrough in the stimulation and acceleration of tissue healing. It is used to achieve faster healing of the intrabony defects. Absence of an intraradicular lesion, pain, and swelling, along with tooth stability and adequate radiographic bone fill at 9 months of follow-up indicated a successful outcome.

  12. Platelet-rich fibrin, "a faster healing aid" in the treatment of combined lesions: A report of two cases

    Directory of Open Access Journals (Sweden)

    Parupalli Karunakar

    2014-01-01

    Full Text Available Anatomically the pulp and periodontium are connected through apical foramen, and the lateral, accessory, and furcal canals. Diseases of one tissue may affect the other. In the present case report with two cases, a primary periodontal lesion with secondary endodontic involvement is described. In both cases, root canal treatment was done followed by periodontal therapy with the use of platelet-rich fibrin (PRF as the regenerative material of choice. PRF has been a breakthrough in the stimulation and acceleration of tissue healing. It is used to achieve faster healing of the intrabony defects. Absence of an intraradicular lesion, pain, and swelling, along with tooth stability and adequate radiographic bone fill at 9 months of follow-up indicated a successful outcome.

  13. Fast, faster, poorest decisions?: A practical theological exploration of the role of a speedy mobinomic world in decision-making

    Directory of Open Access Journals (Sweden)

    Jan Albert van den Berg

    2014-07-01

    Full Text Available In a digital world, it seems as if the boundaries between rich and poor are becoming increasingly blurred. A mobinomic world is created through the use of cellular telephones, which plays an important role on multiple levels of socioeconomic understanding. Various advantages are created through the interplay between the power of mobility and the convergence of various forms of media. Considering the immediate accessibility of an overflow of data in various forms as well as time pressure, decision-making is increasingly becoming associated with living in the fast lane of the digital world. Unfortunately, the cost of faster decision-making is that it could potentially result in individuals making poor decisions on various levels. A practical-theological exploration, as embedded in a transversal rational engagement, entails a preliminary investigation and description of this digital reality, especially as portrayed in the dynamics of decision-making associated with the social media platform Twitter.

  14. Türkiye’de Banka Kredi Kanalının İşleyişi: Ampirik Bir Analiz(Processing of Bank Lending Channel in Turkey: An Empirical Analysis

    Directory of Open Access Journals (Sweden)

    Osman PEKER

    2011-01-01

    Full Text Available In this study, processing of bank lending channel in Turkey was tested with the help of vector auto regression (VAR method by using 1990:01-2008:11 period monthly data. Processing of bank lending channel was investigated on the basis of two different monetary policy variables. According to the empirical findings of the study, on the contrary overnight interest rate, money supply was found to be a more effective monetary policy variable. In case of controling money supply, Central Bank can operate effectively bank credit channels and therefore the amount of output and inflation is going to be directed more easily. In this context it can be said that the processing of the bank lending channel is effective in Turkey.

  15. Professional Music Training and Novel Word Learning: From Faster Semantic Encoding to Longer-lasting Word Representations.

    Science.gov (United States)

    Dittinger, Eva; Barbaroux, Mylène; D'Imperio, Mariapaola; Jäncke, Lutz; Elmer, Stefan; Besson, Mireille

    2016-10-01

    On the basis of previous results showing that music training positively influences different aspects of speech perception and cognition, the aim of this series of experiments was to test the hypothesis that adult professional musicians would learn the meaning of novel words through picture-word associations more efficiently than controls without music training (i.e., fewer errors and faster RTs). We also expected musicians to show faster changes in brain electrical activity than controls, in particular regarding the N400 component that develops with word learning. In line with these hypotheses, musicians outperformed controls in the most difficult semantic task. Moreover, although a frontally distributed N400 component developed in both groups of participants after only a few minutes of novel word learning, in musicians this frontal distribution rapidly shifted to parietal scalp sites, as typically found for the N400 elicited by known words. Finally, musicians showed evidence for better long-term memory for novel words 5 months after the main experimental session. Results are discussed in terms of cascading effects from enhanced perception to memory as well as in terms of multifaceted improvements of cognitive processing due to music training. To our knowledge, this is the first report showing that music training influences semantic aspects of language processing in adults. These results open new perspectives for education in showing that early music training can facilitate later foreign language learning. Moreover, the design used in the present experiment can help to specify the stages of word learning that are impaired in children and adults with word learning difficulties.

  16. Osmium Atoms and Os2 Molecules Move Faster on Selenium-Doped Compared to Sulfur-Doped Boronic Graphenic Surfaces.

    Science.gov (United States)

    Barry, Nicolas P E; Pitto-Barry, Anaïs; Tran, Johanna; Spencer, Simon E F; Johansen, Adam M; Sanchez, Ana M; Dove, Andrew P; O'Reilly, Rachel K; Deeth, Robert J; Beanland, Richard; Sadler, Peter J

    2015-07-28

    We deposited Os atoms on S- and Se-doped boronic graphenic surfaces by electron bombardment of micelles containing 16e complexes [Os(p-cymene)(1,2-dicarba-closo-dodecarborane-1,2-diselenate/dithiolate)] encapsulated in a triblock copolymer. The surfaces were characterized by energy-dispersive X-ray (EDX) analysis and electron energy loss spectroscopy of energy filtered TEM (EFTEM). Os atoms moved ca. 26× faster on the B/Se surface compared to the B/S surface (233 ± 34 pm·s(-1) versus 8.9 ± 1.9 pm·s(-1)). Os atoms formed dimers with an average Os-Os distance of 0.284 ± 0.077 nm on the B/Se surface and 0.243 ± 0.059 nm on B/S, close to that in metallic Os. The Os2 molecules moved 0.83× and 0.65× more slowly than single Os atoms on B/S and B/Se surfaces, respectively, and again markedly faster (ca. 20×) on the B/Se surface (151 ± 45 pm·s(-1) versus 7.4 ± 2.8 pm·s(-1)). Os atom motion did not follow Brownian motion and appears to involve anchoring sites, probably S and Se atoms. The ability to control the atomic motion of metal atoms and molecules on surfaces has potential for exploitation in nanodevices of the future.

  17. Biological feedbacks as cause and demise of the Neoproterozoic icehouse: astrobiological prospects for faster evolution and importance of cold conditions.

    Science.gov (United States)

    Janhunen, Pekka; Kaartokallio, Hermanni; Oksanen, Ilona; Lehto, Kirsi; Lehto, Harry

    2007-02-14

    Several severe glaciations occurred during the Neoproterozoic eon, and especially near its end in the Cryogenian period (630-850 Ma). While the glacial periods themselves were probably related to the continental positions being appropriate for glaciation, the general coldness of the Neoproterozoic and Cryogenian as a whole lacks specific explanation. The Cryogenian was immediately followed by the Ediacaran biota and Cambrian Metazoan, thus understanding the climate-biosphere interactions around the Cryogenian period is central to understanding the development of complex multicellular life in general. Here we present a feedback mechanism between growth of eukaryotic algal phytoplankton and climate which explains how the Earth system gradually entered the Cryogenian icehouse from the warm Mesoproterozoic greenhouse. The more abrupt termination of the Cryogenian is explained by the increase in gaseous carbon release caused by the more complex planktonic and benthic foodwebs and enhanced by a diversification of metazoan zooplankton and benthic animals. The increased ecosystem complexity caused a decrease in organic carbon burial rate, breaking the algal-climatic feedback loop of the earlier Neoproterozoic eon. Prior to the Neoproterozoic eon, eukaryotic evolution took place in a slow timescale regulated by interior cooling of the Earth and solar brightening. Evolution could have proceeded faster had these geophysical processes been faster. Thus, complex life could theoretically also be found around stars that are more massive than the Sun and have main sequence life shorter than 10 Ga. We also suggest that snow and glaciers are, in a statistical sense, important markers for conditions that may possibly promote the development of complex life on extrasolar planets.

  18. Biological feedbacks as cause and demise of the Neoproterozoic icehouse: astrobiological prospects for faster evolution and importance of cold conditions.

    Directory of Open Access Journals (Sweden)

    Pekka Janhunen

    Full Text Available Several severe glaciations occurred during the Neoproterozoic eon, and especially near its end in the Cryogenian period (630-850 Ma. While the glacial periods themselves were probably related to the continental positions being appropriate for glaciation, the general coldness of the Neoproterozoic and Cryogenian as a whole lacks specific explanation. The Cryogenian was immediately followed by the Ediacaran biota and Cambrian Metazoan, thus understanding the climate-biosphere interactions around the Cryogenian period is central to understanding the development of complex multicellular life in general. Here we present a feedback mechanism between growth of eukaryotic algal phytoplankton and climate which explains how the Earth system gradually entered the Cryogenian icehouse from the warm Mesoproterozoic greenhouse. The more abrupt termination of the Cryogenian is explained by the increase in gaseous carbon release caused by the more complex planktonic and benthic foodwebs and enhanced by a diversification of metazoan zooplankton and benthic animals. The increased ecosystem complexity caused a decrease in organic carbon burial rate, breaking the algal-climatic feedback loop of the earlier Neoproterozoic eon. Prior to the Neoproterozoic eon, eukaryotic evolution took place in a slow timescale regulated by interior cooling of the Earth and solar brightening. Evolution could have proceeded faster had these geophysical processes been faster. Thus, complex life could theoretically also be found around stars that are more massive than the Sun and have main sequence life shorter than 10 Ga. We also suggest that snow and glaciers are, in a statistical sense, important markers for conditions that may possibly promote the development of complex life on extrasolar planets.

  19. Formas reificadas de referenciação relativas a personagens de narrativas afiliadas ao lendário amazônico

    Directory of Open Access Journals (Sweden)

    Heliud Luis Maia MOURA

    Full Text Available RESUMO O objetivo deste artigo é analisar, a partir dos pressupostos da Linguística Textual e do Sociocognitivismo, formas reificadas de referenciação relativas a personagens de narrativas afiliadas ao lendário amazônico. Tomo como fundamento teórico as postulações de Marcuschi (2007, Fillmore (1976, 1977, 1982, 1985, Feltes (2007, Goffman (1974, 1988, Tomasello (1988, 1992a, 1995a, 2003, Koch (2004, 2006, Geertz (2008, Ferreira (1986, Abbagnano (1962, para os quais, sob diversas perspectivas teóricas, as formas-processos referencial-reificatórios são resultados de reconstruções sociocognitivas e culturais de entidades e eventos em mobilização nas narrativas em estudo.

  20. 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.

  1. 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

  2. Considering Time in Orthophotography Production: from a General Workflow to a Shortened Workflow for a Faster Disaster Response

    Science.gov (United States)

    Lucas, G.

    2015-08-01

    This article overall deals with production time with orthophoto imagery with medium size digital frame camera. The workflow examination follows two main parts: data acquisition and post-processing. The objectives of the research are fourfold: 1/ gathering time references for the most important steps of orthophoto production (it turned out that literature is missing on this topic); these figures are used later for total production time estimation; 2/ identifying levers for reducing orthophoto production time; 3/ building a simplified production workflow for emergency response: less exigent with accuracy and faster; and compare it to a classical workflow; 4/ providing methodical elements for the estimation of production time with a custom project. In the data acquisition part a comprehensive review lists and describes all the factors that may affect the acquisition efficiency. Using a simulation with different variables (average line length, time of the turns, flight speed) their effect on acquisition efficiency is quantitatively examined. Regarding post-processing, the time references figures were collected from the processing of a 1000 frames case study with 15 cm GSD covering a rectangular area of 447 km2; the time required to achieve each step during the production is written down. When several technical options are possible, each one is tested and time documented so as all alternatives are available. Based on a technical choice with the workflow and using the compiled time reference of the elementary steps, a total time is calculated for the post-processing of the 1000 frames. Two scenarios are compared as regards to time and accuracy. The first one follows the "normal" practices, comprising triangulation, orthorectification and advanced mosaicking methods (feature detection, seam line editing and seam applicator); the second is simplified and make compromise over positional accuracy (using direct geo-referencing) and seamlines preparation in order to achieve

  3. Bone Shaft Revascularization After Marrow Ablation Is Dramatically Accelerated in BSP-/- Mice, Along With Faster Hematopoietic Recolonization.

    Science.gov (United States)

    Bouleftour, Wafa; Granito, Renata Neves; Vanden-Bossche, Arnaud; Sabido, Odile; Roche, Bernard; Thomas, Mireille; Linossier, Marie Thérèse; Aubin, Jane E; Lafage-Proust, Marie-Hélène; Vico, Laurence; Malaval, Luc

    2017-09-01

    The bone organ integrates the activity of bone tissue, bone marrow, and blood vessels and the factors ensuring this coordination remain ill defined. Bone sialoprotein (BSP) is with osteopontin (OPN) a member of the small integrin binding ligand N-linked glycoprotein (SIBLING) family, involved in bone formation, hematopoiesis and angiogenesis. In rodents, bone marrow ablation induces a rapid formation of medullary bone which peaks by ∼8 days (d8) and is blunted in BSP-/- mice. We investigated the coordinate hematopoietic and vascular recolonization of the bone shaft after marrow ablation of 2 month old BSP+/+ and BSP-/- mice. At d3, the ablated area in BSP-/- femurs showed higher vessel density (×4) and vascular volume (×7) than BSP+/+. Vessel numbers in the shaft of ablated BSP+/+ mice reached BSP-/- values only by d8, but with a vascular volume which was twice the value in BSP-/-, reflecting smaller vessel size in ablated mutants. At d6, a much higher number of Lin - (×3) as well as LSK (Lin - IL-7Rα - Sca-1 hi c-Kit hi , ×2) and hematopoietic stem cells (HSC: Flt3 - LSK, ×2) were counted in BSP-/- marrow, indicating a faster recolonization. However, the proportion of LSK and HSC within the Lin - was lower in BSP-/- and more differentiated stages were more abundant, as also observed in unablated bone, suggesting that hematopoietic differentiation is favored in the absence of BSP. Interestingly, unablated BSP-/- femur marrow also contains more blood vessels than BSP+/+, and in both intact and ablated shafts expression of VEGF and OPN are higher, and DMP1 lower in the mutants. In conclusion, bone marrow ablation in BSP-/- mice is followed by a faster vascular and hematopoietic recolonization, along with lower medullary bone formation. Thus, lack of BSP affects the interplay between hematopoiesis, angiogenesis, and osteogenesis, maybe in part through higher expression of VEGF and the angiogenic SIBLING, OPN. J. Cell. Physiol. 232: 2528-2537, 2017. © 2016

  4. A strategy of faster movements used by elderly humans to lift objects of increasing weight in ecological context.

    Science.gov (United States)

    Hoellinger, Thomas; McIntyre, Joseph; Jami, Lena; Hanneton, Sylvain; Cheron, Guy; Roby-Brami, Agnes

    2017-08-15

    It is not known whether, during the course of aging, changes occur in the motor strategies used by the CNS for lifting objects of different weights. Here, we analyzed the kinematics of object-lifting in two different healthy groups (young and elderly people) plus one well-known deafferented patient (GL). The task was to reach and lift onto a shelf an opaque cylindrical object with changing weight. The movements of the hand and object were recorded with electromagnetic sensors. In an ecological context (i.e. no instruction was given about movement speed), we found that younger participants, elderly people and GL did not all move at the same speed and that, surprisingly, elder people are faster. We also observed that the lifting trajectories were constant for both the elderly and the deafferented patient while younger participants raised their hand higher when the object weighed more. It appears that, depending on age and on available proprioceptive information, the CNS uses different strategies of lifting. We suggest that elder people tend to optimize their feedforward control in order to compensate for less functional afferent feedback, perhaps to optimize movement time and energy expenditure at the expense of high precision. In the case of complete loss of proprioceptive input, however, compensation follows a different strategy as suggested by GL's behavior who moved more slowly compared to both our younger and older participants. Copyright © 2017. Published by Elsevier Ltd.

  5. CNTs-Modified Nb3O7F Hybrid Nanocrystal towards Faster Carrier Migration, Lower Bandgap and Higher Photocatalytic Activity.

    Science.gov (United States)

    Huang, Fei; Li, Zhen; Yan, Aihua; Zhao, Hui; Liang, Huagen; Gao, Qingyu; Qiang, Yinghuai

    2017-01-06

    Novel semiconductor photocatalysts have been the research focus and received much attention in recent years. The key issues for novel semiconductor photocatalysts are to effectively harvest solar energy and enhance the separation efficiency of the electron-hole pairs. In this work, novel Nb 3 O 7 F/CNTs hybrid nanocomposites with enhanced photocatalytic activity have been successfully synthesized by a facile hydrothermal plus etching technique. The important finding is that appropriate pH values lead to the formation of Nb 3 O 7 F nanocrystal directly. A general strategy to introdue interaction between Nb 3 O 7 F and CNTs markedly enhances the photocatalytic activity of Nb 3 O 7 F. Comparatively, Nb 3 O 7 F/CNTs nanocomposites exhibit higher photodegradation efficiency and faster photodegradation rate in the solution of methylene blue (MB) under visible-light irradiation. The higher photocatalytic activity may be attributed to more exposed active sites, higher carrier migration and narrower bandgap because of good synergistic effect. The results here may inspire more engineering, new design and facile fabrication of novel photocatalysts with highly photocatalytic activity.

  6. Extended two-photon microscopy in live samples with Bessel beams: steadier focus, faster volume scans, and simpler stereoscopic imaging.

    Science.gov (United States)

    Thériault, Gabrielle; Cottet, Martin; Castonguay, Annie; McCarthy, Nathalie; De Koninck, Yves

    2014-01-01

    Two-photon microscopy has revolutionized functional cellular imaging in tissue, but although the highly confined depth of field (DOF) of standard set-ups yields great optical sectioning, it also limits imaging speed in volume samples and ease of use. For this reason, we recently presented a simple and retrofittable modification to the two-photon laser-scanning microscope which extends the DOF through the use of an axicon (conical lens). Here we demonstrate three significant benefits of this technique using biological samples commonly employed in the field of neuroscience. First, we use a sample of neurons grown in culture and move it along the z-axis, showing that a more stable focus is achieved without compromise on transverse resolution. Second, we monitor 3D population dynamics in an acute slice of live mouse cortex, demonstrating that faster volumetric scans can be conducted. Third, we acquire a stereoscopic image of neurons and their dendrites in a fixed sample of mouse cortex, using only two scans instead of the complete stack and calculations required by standard systems. Taken together, these advantages, combined with the ease of integration into pre-existing systems, make the extended depth-of-field imaging based on Bessel beams a strong asset for the field of microscopy and life sciences in general.

  7. World oil demand's shift toward faster growing and less price-responsive products and regions

    Energy Technology Data Exchange (ETDEWEB)

    Dargay, Joyce M. [Institute for Transport Studies, University of Leeds, Leeds LS2 9JT (United Kingdom); Gately, Dermot [Dept. of Economics, New York University, 19W. 4 St., New York, NY 10012 (United States)

    2010-10-15

    Using data for 1971-2008, we estimate the effects of changes in price and income on world oil demand, disaggregated by product - transport oil, fuel oil (residual and heating oil), and other oil - for six groups of countries. Most of the demand reductions since 1973-74 were due to fuel-switching away from fuel oil, especially in the OECD; in addition, the collapse of the Former Soviet Union (FSU) reduced their oil consumption substantially. Demand for transport and other oil was much less price-responsive, and has grown almost as rapidly as income, especially outside the OECD and FSU. World oil demand has shifted toward products and regions that are faster growing and less price-responsive. In contrast to projections to 2030 of declining per-capita demand for the world as a whole - by the U.S. Department of Energy (DOE), International Energy Agency (IEA) and OPEC - we project modest growth. Our projections for total world demand in 2030 are at least 20% higher than projections by those three institutions, using similar assumptions about income growth and oil prices, because we project rest-of-world growth that is consistent with historical patterns, in contrast to the dramatic slowdowns which they project. (author)

  8. A faster ordered-subset convex algorithm for iterative reconstruction in a rotation-free micro-CT system

    International Nuclear Information System (INIS)

    Quan, E; Lalush, D S

    2009-01-01

    We present a faster iterative reconstruction algorithm based on the ordered-subset convex (OSC) algorithm for transmission CT. The OSC algorithm was modified such that it calculates the normalization term before the iterative process in order to save computational cost. The modified version requires only one backprojection per iteration as compared to two required for the original OSC. We applied the modified OSC (MOSC) algorithm to a rotation-free micro-CT system that we proposed previously, observed its performance, and compared with the OSC algorithm for 3D cone-beam reconstruction. Measurements on the reconstructed images as well as the point spread functions show that MOSC is quite similar to OSC; in noise-resolution trade-off, MOSC is comparable with OSC in a regular-noise situation and it is slightly worse than OSC in an extremely high-noise situation. The timing record shows that MOSC saves 25-30% CPU time, depending on the number of iterations used. We conclude that the MOSC algorithm is more efficient than OSC and provides comparable images.

  9. Faster N Release, but Not C Loss, From Leaf Litter of Invasives Compared to Native Species in Mediterranean Ecosystems

    Directory of Open Access Journals (Sweden)

    Guido Incerti

    2018-04-01

    Full Text Available Plant invasions can have relevant impacts on biogeochemical cycles, whose extent, in Mediterranean ecosystems, have not yet been systematically assessed comparing litter carbon (C and nitrogen (N dynamics between invasive plants and native communities. We carried out a 1-year litterbag experiment in 4 different plant communities (grassland, sand dune, riparian and mixed forests on 8 invasives and 24 autochthonous plant species, used as control. Plant litter was characterized for mass loss, N release, proximate lignin and litter chemistry by 13C CPMAS NMR. Native and invasive species showed significant differences in litter chemical traits, with invaders generally showing higher N concentration and lower lignin/N ratio. Mass loss data revealed no consistent differences between native and invasive species, although some woody and vine invaders showed exceptionally high decomposition rate. In contrast, N release rate from litter was faster for invasive plants compared to native species. N concentration, lignin content and relative abundance of methoxyl and N-alkyl C region from 13C CPMAS NMR spectra were the parameters that better explained mass loss and N mineralization rates. Our findings demonstrate that during litter decomposition invasive species litter has no different decomposition rates but greater N release rate compared to natives. Accordingly, invasives are expected to affect N cycle in Mediterranean plant communities, possibly promoting a shift of plant assemblages.

  10. Parenteral structured triglyceride emulsion improves nitrogen balance and is cleared faster from the blood in moderately catabolic patients.

    Science.gov (United States)

    Kruimel, J W; Naber, T H; van der Vliet, J A; Carneheim, C; Katan, M B; Jansen, J B

    2001-01-01

    Most postoperative patients lose net protein mass, which reflects loss of muscle tissue and organ function. Perioperative parenteral nutrition may reduce the loss of protein, but in general, with conventional lipid emulsions a waste of protein still remains. We compared the effects on nitrogen balance of an emulsion containing structured triglycerides, a new type of synthesized triglycerides, with an emulsion of a physical mixture of medium- and long-chain triglycerides as part of parenteral feeding in moderately catabolic patients. The first 5 days after placement of an aortic prosthesis patients received total parenteral nutrition (TPN) providing 0.2 g of nitrogen per kg body weight per day; energy requirement was calculated using Harris and Benedict's equation, adding 300 kcal per day for activity. Twelve patients were treated with the structured triglyceride emulsion and 13 patients with the emulsion of the physical mixture of medium- and long-chain triglycerides. The design was a randomized, double-blind parallel study. In the patients who completed the study, the mean cumulative nitrogen balance over the first 5 postoperative days was -8+/-2 g in 10 patients on the structured triglyceride emulsion and -21+/-4 g in 9 patients on the emulsion of the physical mixture of medium- and long-chain triglycerides; the mean difference was 13 g of nitrogen (95% confidence interval 4 to 22, p = .015) in favor of the structured triglyceride emulsion. On the first postoperative day serum triglyceride and plasma medium-chain free fatty acid levels increased less during infusion of the structured triglyceride emulsion than with the physical mixture emulsion. The parenteral structured triglyceride emulsion improves the nitrogen balance and is cleared faster from the blood, compared with the emulsion of the physical mixture of medium- and long-chain triglycerides, in moderately catabolic patients.

  11. Stimulus- and goal-driven control of eye movements: action videogame players are faster but not better.

    Science.gov (United States)

    Heimler, Benedetta; Pavani, Francesco; Donk, Mieke; van Zoest, Wieske

    2014-11-01

    Action videogame players (AVGPs) have been shown to outperform nongamers (NVGPs) in covert visual attention tasks. These advantages have been attributed to improved top-down control in this population. The time course of visual selection, which permits researchers to highlight when top-down strategies start to control performance, has rarely been investigated in AVGPs. Here, we addressed specifically this issue through an oculomotor additional-singleton paradigm. Participants were instructed to make a saccadic eye movement to a unique orientation singleton. The target was presented among homogeneous nontargets and one additional orientation singleton that was more, equally, or less salient than the target. Saliency was manipulated in the color dimension. Our results showed similar patterns of performance for both AVGPs and NVGPs: Fast-initiated saccades were saliency-driven, whereas later-initiated saccades were more goal-driven. However, although AVGPs were faster than NVGPs, they were also less accurate. Importantly, a multinomial model applied to the data revealed comparable underlying saliency-driven and goal-driven functions for the two groups. Taken together, the observed differences in performance are compatible with the presence of a lower decision bound for releasing saccades in AVGPs than in NVGPs, in the context of comparable temporal interplay between the underlying attentional mechanisms. In sum, the present findings show that in both AVGPs and NVGPs, the implementation of top-down control in visual selection takes time to come about, and they argue against the idea of a general enhancement of top-down control in AVGPs.

  12. Women awaken faster than men after electroencephalogram-monitored propofol sedation for colonoscopy: A prospective observational study.

    Science.gov (United States)

    Riphaus, Andrea; Slottje, Mark; Bulla, Jan; Keil, Carolin; Mentzel, Christian; Limbach, Vera; Schultz, Barbara; Unzicker, Christian

    2017-10-01

    Sedation for colonoscopy using intravenous propofol has become standard in many Western countries. Gender-specific differences have been shown for general anaesthesia in dentistry, but no such data existed for gastrointestinal endoscopy. A prospective observational study. An academic teaching hospital of Hannover Medical School. A total of 219 patients (108 women and 111 men) scheduled for colonoscopy. Propofol sedation using electroencephalogram monitoring during a constant level of sedation depth (D0 to D2) performed by trained nurses or physicians after a body-weight-adjusted loading dose. The primary end-point was the presence of gender-specific differences in awakening time (time from end of sedation to eye-opening and complete orientation); secondary outcome parameters analysed were total dose of propofol, sedation-associated complications (bradycardia, hypotension, hypoxaemia and apnoea), patient cooperation and patient satisfaction. Multivariate analysis was performed to correct confounding factors such as age and BMI. Women awakened significantly faster than men, with a time to eye-opening of 7.3 ± 3.7 versus 8.4 ± 3.4 min (P = 0.005) and time until complete orientation of 9.1 ± 3.9 versus 10.4 ± 13.7 min (P = 0.008). The propofol dosage was not significantly different, with some trend towards more propofol per kg body weight in women (3.98 ± 1.81 mg versus 3.72 ± 1.75 mg, P = 0.232). The effect of gender aspects should be considered when propofol is used as sedation for gastrointestinal endoscopy. That includes adequate dosing for women as well as caution regarding potential overdosing of male patients. ClinicalTrials.gov (Identifier: NCT02687568).

  13. Faster and stronger manifestation of mitochondrial diseases in skeletal muscle than in heart related to cytosolic inorganic phosphate (Pi) accumulation.

    Science.gov (United States)

    Korzeniewski, Bernard

    2016-08-01

    A model of the cell bioenergetic system was used to compare the effect of oxidative phosphorylation (OXPHOS) deficiencies in a broad range of moderate ATP demand in skeletal muscle and heart. Computer simulations revealed that kinetic properties of the system are similar in both cases despite the much higher mitochondria content and "basic" OXPHOS activity in heart than in skeletal muscle, because of a much higher each-step activation (ESA) of OXPHOS in skeletal muscle than in heart. Large OXPHOS deficiencies lead in both tissues to a significant decrease in oxygen consumption (V̇o2) and phosphocreatine (PCr) and increase in cytosolic ADP, Pi, and H(+) The main difference between skeletal muscle and heart is a much higher cytosolic Pi concentration in healthy tissue and much higher cytosolic Pi accumulation (level) at low OXPHOS activities in the former, caused by a higher PCr level in healthy tissue (and higher total phosphate pool) and smaller Pi redistribution between cytosol and mitochondria at OXPHOS deficiency. This difference does not depend on ATP demand in a broad range. A much greater Pi increase and PCr decrease during rest-to-moderate work transition in skeletal muscle at OXPHOS deficiencies than at normal OXPHOS activity significantly slows down the V̇o2 on-kinetics. Because high cytosolic Pi concentrations cause fatigue in skeletal muscle and can compromise force generation in skeletal muscle and heart, this system property can contribute to the faster and stronger manifestation of mitochondrial diseases in skeletal muscle than in heart. Shortly, skeletal muscle with large OXPHOS deficiencies becomes fatigued already during low/moderate exercise. Copyright © 2016 the American Physiological Society.

  14. Desflurane Allows for a Faster Emergence when Compared to Sevoflurane Without Affecting the Baseline Cognitive Recovery Time.

    Directory of Open Access Journals (Sweden)

    Joseph G. Werner

    2015-10-01

    Full Text Available Aims, We compared the effect of desflurane and sevoflurane on anesthesia recovery time in patients undergoing urological cystoscopic surgery. The Short Orientation Memory Concentration Test (SOMCT measured and compared cognitive impairment between groups and coughing was assessed throughout the anesthetic.Methods and Materials, This investigation included 75 ambulatory patients. Patients were randomized to receive either desflurane or sevoflurane. Inhalational anesthetics were discontinued after removal of the cystoscope and once repositioning of the patient was final. Coughing assessment and awakening time from anesthesia were assessed by a blinded observer.Statistical analysis used: Statistical analysis was performed by using t-test for parametric variables and Mann-Whitney U test for nonparametric variables. Results, The primary endpoint, mean time to eye-opening, was 5.0±2.5 minutes for desflurane, and 7.9±4.1 minutes for sevoflurane (p <0.001. There were no significant differences in time to SOMCT recovery (p=0.109, overall time spent in the post anesthesia care unit (p=0.924 or time to discharge (p=0.363. Median time until readiness for discharge was nine minutes in the desflurane group, while the sevoflurane group had a median time of 20 minutes (p=0.020. The overall incidence of coughing during the perioperative period was significantly higher in the desflurane (p=0.030. Conclusions, We re-confirmed that patients receiving desflurane had a faster emergence and met the criteria to be discharged from the post anesthesia care unit earlier. No difference was found in time to return to baseline cognition between desflurane and sevoflurane.

  15. Recruitment of faster motor units is associated with greater rates of fascicle strain and rapid changes in muscle force during locomotion.

    Science.gov (United States)

    Lee, Sabrina S M; de Boef Miara, Maria; Arnold, Allison S; Biewener, Andrew A; Wakeling, James M

    2013-01-15

    Animals modulate the power output needed for different locomotor tasks by changing muscle forces and fascicle strain rates. To generate the necessary forces, appropriate motor units must be recruited. Faster motor units have faster activation-deactivation rates than slower motor units, and they contract at higher strain rates; therefore, recruitment of faster motor units may be advantageous for tasks that involve rapid movements or high rates of work. This study identified motor unit recruitment patterns in the gastrocnemii muscles of goats and examined whether faster motor units are recruited when locomotor speed is increased. The study also examined whether locomotor tasks that elicit faster (or slower) motor units are associated with increased (or decreased) in vivo tendon forces, force rise and relaxation rates, fascicle strains and/or strain rates. Electromyography (EMG), sonomicrometry and muscle-tendon force data were collected from the lateral and medial gastrocnemius muscles of goats during level walking, trotting and galloping and during inclined walking and trotting. EMG signals were analyzed using wavelet and principal component analyses to quantify changes in the EMG frequency spectra across the different locomotor conditions. Fascicle strain and strain rate were calculated from the sonomicrometric data, and force rise and relaxation rates were determined from the tendon force data. The results of this study showed that faster motor units were recruited as goats increased their locomotor speeds from level walking to galloping. Slow inclined walking elicited EMG intensities similar to those of fast level galloping but different EMG frequency spectra, indicating that recruitment of the different motor unit types depended, in part, on characteristics of the task. For the locomotor tasks and muscles analyzed here, recruitment patterns were generally associated with in vivo fascicle strain rates, EMG intensity and tendon force. Together, these data provide

  16. Recruitment of faster motor units is associated with greater rates of fascicle strain and rapid changes in muscle force during locomotion

    Science.gov (United States)

    Lee, Sabrina S. M.; de Boef Miara, Maria; Arnold, Allison S.; Biewener, Andrew A.; Wakeling, James M.

    2013-01-01

    SUMMARY Animals modulate the power output needed for different locomotor tasks by changing muscle forces and fascicle strain rates. To generate the necessary forces, appropriate motor units must be recruited. Faster motor units have faster activation–deactivation rates than slower motor units, and they contract at higher strain rates; therefore, recruitment of faster motor units may be advantageous for tasks that involve rapid movements or high rates of work. This study identified motor unit recruitment patterns in the gastrocnemii muscles of goats and examined whether faster motor units are recruited when locomotor speed is increased. The study also examined whether locomotor tasks that elicit faster (or slower) motor units are associated with increased (or decreased) in vivo tendon forces, force rise and relaxation rates, fascicle strains and/or strain rates. Electromyography (EMG), sonomicrometry and muscle-tendon force data were collected from the lateral and medial gastrocnemius muscles of goats during level walking, trotting and galloping and during inclined walking and trotting. EMG signals were analyzed using wavelet and principal component analyses to quantify changes in the EMG frequency spectra across the different locomotor conditions. Fascicle strain and strain rate were calculated from the sonomicrometric data, and force rise and relaxation rates were determined from the tendon force data. The results of this study showed that faster motor units were recruited as goats increased their locomotor speeds from level walking to galloping. Slow inclined walking elicited EMG intensities similar to those of fast level galloping but different EMG frequency spectra, indicating that recruitment of the different motor unit types depended, in part, on characteristics of the task. For the locomotor tasks and muscles analyzed here, recruitment patterns were generally associated with in vivo fascicle strain rates, EMG intensity and tendon force. Together, these

  17. 公共出借權計畫之本質與價值 The Essence of an Public Lending Right System

    Directory of Open Access Journals (Sweden)

    Jeong-yeou Chiu

    2001-03-01

    Full Text Available 無Stocks, titles, loan estimates and grants make the payment of Public Lending Right, plus with the hybrid system of estimates mentioned. PLR is growing but more complicated than ever. Nevertheless, some of the reasons for convincing people of realizing PLR are controversial. To be sure, the PLR-related issues are full of the academic value. While government, library, author, reader, and bookshop working together with a rational correlation, PLR certainly becomes harmonious and be a well designed policy. The case of the UK PLR has been introduced and given a meaningful thinking to us. The positive attitudes of library toward PLR system and the emphasis on the relationship between publishing market and library are of importance. Non-book material and digital information are also the future of PLR implement. Taiwan's PLR system and payment, if to be employed, should simply begin with and be recognized as a culture policy to evade the difficulties of immediately revising the copyright or other national policies.

  18. 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.

  19. CISN ShakeAlert: Faster Warning Information Through Multiple Threshold Event Detection in the Virtual Seismologist (VS) Early Warning Algorithm

    Science.gov (United States)

    Cua, G. B.; Fischer, M.; Caprio, M.; Heaton, T. H.; Cisn Earthquake Early Warning Project Team

    2010-12-01

    multiple-threshold approach is faster and more reliable for larger events than the earlier version of the VS codes. In addition, we provide evolutionary estimates of the probability of false alarms (PFA), which is an envisioned output stream of the CISN ShakeAlert system. The real-time decision-making approach envisioned for CISN ShakeAlert users, where users specify a threshhold PFA in addition to thresholds on peak ground motion estimates, has the potential to increase the available warning time for users with high tolerance to false alarms without compromising the needs of users with lower tolerances to false alarms.

  20. Faster Growth of Road Transportation CO2 Emissions in Asia Pacific Economies: Exploring Differences in Trends of the Rapidly Developing and Developed Worlds

    Science.gov (United States)

    Marcotullio, Peter J.

    2006-01-01

    Researchers have identified how in some rapidly developing countries, road and aviation transportation CO2 emissions are rising faster (over time) when compared to the experiences of the USA at similar levels of economic development. While suggestive of how experiences of the rapidly developing Asia are different from those of the developed world…

  1. Visual input that matches the content of vist of visual working memory requires less (not faster) evidence sampling to reach conscious access

    NARCIS (Netherlands)

    Gayet, S.; van Maanen, L.; Heilbron, M.; Paffen, C.L.E.; Van Der Stigchel, S.

    2016-01-01

    The content of visual working memory (VWM) affects the processing of concurrent visual input. Recently, it has been demonstrated that stimuli are released from interocular suppression faster when they match rather than mismatch a color that is memorized for subsequent recall. In order to investigate

  2. Evolution and plasticity: Divergence of song discrimination is faster in birds with innate song than in song learners in Neotropical passerine birds.

    Science.gov (United States)

    Freeman, Benjamin G; Montgomery, Graham A; Schluter, Dolph

    2017-09-01

    Plasticity is often thought to accelerate trait evolution and speciation. For example, plasticity in birdsong may partially explain why clades of song learners are more diverse than related clades with innate song. This "song learning" hypothesis predicts that (1) differences in song traits evolve faster in song learners, and (2) behavioral discrimination against allopatric song (a proxy for premating reproductive isolation) evolves faster in song learners. We tested these predictions by analyzing acoustic traits and conducting playback experiments in allopatric Central American sister pairs of song learning oscines (N = 42) and nonlearning suboscines (N = 27). We found that nonlearners evolved mean acoustic differences slightly faster than did leaners, and that the mean evolutionary rate of song discrimination was 4.3 times faster in nonlearners than in learners. These unexpected results may be a consequence of significantly greater variability in song traits in song learners (by 54-79%) that requires song-learning oscines to evolve greater absolute differences in song before achieving the same level of behavioral song discrimination as nonlearning suboscines. This points to "a downside of learning" for the evolution of species discrimination, and represents an important example of plasticity reducing the rate of evolution and diversification by increasing variability. © 2017 The Author(s). Evolution © 2017 The Society for the Study of Evolution.

  3. Why We Respond Faster to the Self than to Others? An Implicit Positive Association Theory of Self-Advantage during Implicit Face Recognition

    Science.gov (United States)

    Ma, Yina; Han, Shihui

    2010-01-01

    Human adults usually respond faster to their own faces rather than to those of others. We tested the hypothesis that an implicit positive association (IPA) with self mediates self-advantage in face recognition through 4 experiments. Using a self-concept threat (SCT) priming that associated the self with negative personal traits and led to a…

  4. 77 FR 76841 - Lending Limits

    Science.gov (United States)

    2012-12-31

    ... measuring the appropriate credit exposures of derivatives transactions and securities financing transactions... a credit exposure arising from a derivative transaction or securities financing transaction on or... derivative transactions or securities financing transactions from January 1, 2013 to July 1, 2013 in order to...

  5. 78 FR 37930 - Lending Limits

    Science.gov (United States)

    2013-06-25

    ... provision will be removed when the rule's temporary exception period for derivative and securities financing... than credit derivatives, and two methods for securities financing transactions.\\11\\ Unless required to... exposure arising from all derivative transactions and the same method for all securities financing...

  6. 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.

  7. 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

  8. Comparative Study of Crowdfunding and Lending in Book Publishing%图书出版众筹模式与借贷模式的比较研究

    Institute of Scientific and Technical Information of China (English)

    李旸; 甘浩辰

    2016-01-01

    本文采用成本收益的分析思想,将图书出版融资模式划分为众筹与传统借贷模式,比较两种模型的差异,并采用实际案例检验收益区别。结果发现,对于发起人而言,众筹的利润低于传统借贷产生的利润。只有当图书众筹市场规模与图书传统市场规模相等时,众筹的利润才略微高于传统借贷的利润。由此可见,现阶段的图书众筹模式在收益上并不具备显著优势,本文据此对众筹模式未来的发展提出了相关建议。%The book publishing financing models can be dividedinto crowdfunding model and traditional lending model. We use cost-beneift analysis to compare the difference between these two models and exam-ine the benefit by using real case study. The result shows that, from the promoter’s point ofview, the benefit of crowdfunding is lower than traditional lending’s.Only when the book crowdfunding market size is equal to the total book market size, the benefit of crowdfunding is slightly higher than lending’s. In conclusion, the book crowdfunding model, at this stage, does not have signiifcant advantage in beneift. According to the result, this paper provides related proposals for the future development of crowdfunding.

  9. In Lands of Foreign Currency Credit, Bank Lending Channels Run Through? The Effects of Monetary Policy at Home and Abroad on the Currency Denomination of the Supply of Credit

    OpenAIRE

    Steven Ongena; Ibolya Schindele; Dzsamila Vonnak

    2014-01-01

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

  10. Experiments of the EPR-type involving CP-violation do not allow faster-than-light communication between distant observers

    International Nuclear Information System (INIS)

    Ghirardi, G.C.; Grassi, R.; Weber, T.; Rimini, A.

    1987-11-01

    The proof that faster-than-light communication is not permitted by quantum mechanics derived some years ago by three of us, is extended to cover the case of measurements which do not fit within the standard scheme based on sets of orthogonal projections. A detailed discussion of a recent proposal of superluminal transmission making resort to a CP-violating interaction is presented. It is shown that such a proposal cannot work. (author). 8 refs

  11. Having your cake and eating it - Staphylococcus aureus small colony variants can evolve faster growth rate without losing their antibiotic resistance

    Directory of Open Access Journals (Sweden)

    Gerrit Brandis

    2017-08-01

    Full Text Available Staphylococcus aureus can produce small colony variants (SCVs during infections. These cause significant clinical problems because they are difficult to detect in standard microbiological screening and are associated with persistent infections. The major causes of the SCV phenotype are mutations that inhibit respiration by inactivation of genes of the menadione or hemin biosynthesis pathways. This reduces the production of ATP required to support fast growth. Importantly, it also decreases cross-membrane potential in SCVs, resulting in decreased uptake of cationic compounds, with reduced susceptibility to aminoglycoside antibiotics as a consequence. Because SCVs are slow-growing (mutations in men genes are associated with growth rates in rich medium ~30% of the wild-type growth rate bacterial cultures are very susceptible to rapid takeover by faster-growing mutants (revertants or suppressors. In the case of reversion, the resulting fast growth is obviously associated with the loss of antibiotic resistance. However, direct reversion is relatively rare due to the very small genetic target size for such mutations. We explored the phenotypic consequences of SCVs evolving faster growth by routes other than direct reversion, and in particular whether any of those routes allowed for the maintenance of antibiotic resistance. In a recent paper (mBio 8: e00358-17 we demonstrated the existence of several different routes of SCV evolution to faster growth, one of which maintained the antibiotic resistance phenotype. This discovery suggests that SCVs might be more adaptable and problematic that previously thought. They are capable of surviving as a slow-growing persistent form, before evolving into a significantly faster-growing form without sacrificing their antibiotic resistance phenotype.

  12. Information needs at the beginning of foraging: grass-cutting ants trade off load size for a faster return to the nest.

    Directory of Open Access Journals (Sweden)

    Martin Bollazzi

    2011-03-01

    Full Text Available Acquisition of information about food sources is essential for animals that forage collectively like social insects. Foragers deliver two commodities to the nest, food and information, and they may favor the delivery of one at the expenses of the other. We predict that information needs should be particularly high at the beginning of foraging: the decision to return faster to the nest will motivate a grass-cutting ant worker to reduce its loading time, and so to leave the source with a partial load.Field results showed that at the initial foraging phase, most grass-cutting ant foragers (Acromyrmex heyeri returned unladen to the nest, and experienced head-on encounters with outgoing workers. Ant encounters were not simply collisions in a probabilistic sense: outgoing workers contacted in average 70% of the returning foragers at the initial foraging phase, and only 20% at the established phase. At the initial foraging phase, workers cut fragments that were shorter, narrower, lighter and tenderer than those harvested at the established one. Foragers walked at the initial phase significantly faster than expected for the observed temperatures, yet not at the established phase. Moreover, when controlling for differences in the fragment-size carried, workers still walked faster at the initial phase. Despite the higher speed, their individual transport rate of vegetable tissue was lower than that of similarly-sized workers foraging later at the same patch.At the initial foraging phase, workers compromised their individual transport rates of material in order to return faster to the colony. We suggest that the observed flexible cutting rules and the selection of partial loads at the beginning of foraging are driven by the need of information transfer, crucial for the establishment and maintenance of a foraging process to monopolize a discovered resource.

  13. N-Terminal Domains in Two-Domain Proteins Are Biased to Be Shorter and Predicted to Fold Faster Than Their C-Terminal Counterparts

    Directory of Open Access Journals (Sweden)

    Etai Jacob

    2013-04-01

    Full Text Available Computational analysis of proteomes in all kingdoms of life reveals a strong tendency for N-terminal domains in two-domain proteins to have shorter sequences than their neighboring C-terminal domains. Given that folding rates are affected by chain length, we asked whether the tendency for N-terminal domains to be shorter than their neighboring C-terminal domains reflects selection for faster-folding N-terminal domains. Calculations of absolute contact order, another predictor of folding rate, provide additional evidence that N-terminal domains tend to fold faster than their neighboring C-terminal domains. A possible explanation for this bias, which is more pronounced in prokaryotes than in eukaryotes, is that faster folding of N-terminal domains reduces the risk for protein aggregation during folding by preventing formation of nonnative interdomain interactions. This explanation is supported by our finding that two-domain proteins with a shorter N-terminal domain are much more abundant than those with a shorter C-terminal domain.

  14. Getting Innovative Therapies Faster to Patients at the Right Dose: Impact of Quantitative Pharmacology Towards First Registration and Expanding Therapeutic Use.

    Science.gov (United States)

    Nayak, Satyaprakash; Sander, Oliver; Al-Huniti, Nidal; de Alwis, Dinesh; Chain, Anne; Chenel, Marylore; Sunkaraneni, Soujanya; Agrawal, Shruti; Gupta, Neeraj; Visser, Sandra A G

    2018-03-01

    Quantitative pharmacology (QP) applications in translational medicine, drug-development, and therapeutic use were crowd-sourced by the ASCPT Impact and Influence initiative. Highlighted QP case studies demonstrated faster access to innovative therapies for patients through 1) rational dose selection for pivotal trials; 2) reduced trial-burden for vulnerable populations; or 3) simplified posology. Critical success factors were proactive stakeholder engagement, alignment on the value of model-informed approaches, and utilizing foundational clinical pharmacology understanding of the therapy. © 2018 The Authors Clinical Pharmacology & Therapeutics published by Wiley Periodicals, Inc. on behalf of American Society for Clinical Pharmacology and Therapeutics.

  15. Faster Than Light (FTL) Travel and Causality in the Context of the Gravity-Electro-Magnetism (GEM) Theory of Field Unification

    Science.gov (United States)

    Brandenburg, J. E.

    2010-01-01

    In The GEM (Brandenburg, 2006) theory, direct manipulation of space-time geometry is possible leading to the possibility of transformation of a starship into a tachyon moving Faster Than Light (FTL). The GEM theory is reviewed and Causality in terms of the time ordering of experienced events is considered as well as examining the space-time curvature signature of such FTL particles. Time ordering and time flow is found to be determined by the 2nd law of thermodynamics and is used to derive a Cosmic time flow in terms of the expansion of the universe. The rate of increase of cosmic entropy is approximately dS/dt = c3/(Gmp), the rate that light transits from a proton-mass Black Hole, reminiscent of the Dirac Larger Number Hypothesis relating Cosmic and subatomic quantities. It is found that the tachyon FTL method, rather than allowing reversal of time ordering of experienced events, actually makes the cosmos age faster by contributing to an increase in ``Dark Energy'' and thus FTL travel via tachyons irreversibly changes the cosmos. Therefore, it appears that FTL travel can be accomplished without violation of Causality.

  16. FAMOUS, faster: using parallel computing techniques to accelerate the FAMOUS/HadCM3 climate model with a focus on the radiative transfer algorithm

    Directory of Open Access Journals (Sweden)

    P. Hanappe

    2011-09-01

    Full Text Available We have optimised the atmospheric radiation algorithm of the FAMOUS climate model on several hardware platforms. The optimisation involved translating the Fortran code to C and restructuring the algorithm around the computation of a single air column. Instead of the existing MPI-based domain decomposition, we used a task queue and a thread pool to schedule the computation of individual columns on the available processors. Finally, four air columns are packed together in a single data structure and computed simultaneously using Single Instruction Multiple Data operations.

    The modified algorithm runs more than 50 times faster on the CELL's Synergistic Processing Element than on its main PowerPC processing element. On Intel-compatible processors, the new radiation code runs 4 times faster. On the tested graphics processor, using OpenCL, we find a speed-up of more than 2.5 times as compared to the original code on the main CPU. Because the radiation code takes more than 60 % of the total CPU time, FAMOUS executes more than twice as fast. Our version of the algorithm returns bit-wise identical results, which demonstrates the robustness of our approach. We estimate that this project required around two and a half man-years of work.

  17. A new way of controlling NesCOPOs (nested cavity doubly resonant OPO) for faster and more efficient high resolution spectrum measurement

    Science.gov (United States)

    Georges des Aulnois, Johann; Szymanski, Benjamin; Grimieau, Axel; Sillard, Léo.

    2018-02-01

    Optical Parametric Oscillator (OPO) is a well-known solution when wide tunability in the mid-infrared is needed. A specific design called NesCOPO (Nested Cavity doubly resonant OPO) is currently integrated in the X-FLR8 portable gas analyzer from Blue Industry and Science. Thanks to its low threshold this OPO can be pumped by a micro-chip nanosecond YAG (4 kHz repetition rate and a 30 GHz bandwidth). To achieve very high resolution spectra (10 pm of resolution or better), the emitted wavelength has to be finely controlled. Commercial Wavemeter do not meet price and compactness required in the context of an affordable and portable gas analyzer. To overcome this issue, Blue first integrated an active wavelength controller using multiple tunable Fabry-Perot (FP) interferometers. The required resolution was achieved at a 10 Hz measurement rate. We now present an enhanced Wavemeter architecture, based on fixed FP etalons, that is 100 times faster and 2 times smaller. We avoid having FP `blind zones' thanks to one source characteristic: the knowledge of the FSR (Free Spectral Range) of the OPO source and thus, the fact that only discrete wavelengths can be emitted. First results are displayed showing faster measurement for spectroscopic application, and potential future improvement of the device are discussed.

  18. High levels of the type III inorganic phosphate transporter PiT1 (SLC20A1) can confer faster cell adhesion

    DEFF Research Database (Denmark)

    Kongsfelt, Iben Boutrup; Byskov, Kristina; Pedersen, Lasse Ebdrup

    2014-01-01

    overexpression led to faster cell spreading. The final total numbers of attached cells did, however, not differ between cultures of PiT1 overexpressing cells and control cells of neither cell type. We suggest that the PiT1-mediated fast adhesion potentials allow the cells to go faster out of G0/G1 and thereby......The inorganic phosphate transporter PiT1 (SLC20A1) is ubiquitously expressed in mammalian cells. We recently showed that overexpression of human PiT1 was sufficient to increase proliferation of two strict density-inhibited cell lines, murine fibroblastic NIH3T3 and pre-osteoblastic MC3T3-E1 cells......, and allowed the cultures to grow to higher cell densities. In addition, upon transformation NIH3T3 cells showed increased ability to form colonies in soft agar. The cellular regulation of PiT1 expression supports that cells utilize the PiT1 levels to control proliferation, with non-proliferating cells showing...

  19. Faster-higher-stronger -- greener

    International Nuclear Information System (INIS)

    Burgess, A.

    2000-01-01

    The Toronto Olympic Bid Committee is reported to have adopted a strong environmental orientation in its bid to bring the 2008 Olympic Games to Toronto. In a recent address, the President of the Committee outlined details of the bid's environmental component which emphasizes the role of sustainable development within the Olympics and the consequences of this orientation on the design, construction and operation of facilities. The Toronto Bid Committee has gained inspiration and momentum for its 'green bid' from the host city of the 2000 Olympic Games, Sidney, Australia, which has won widespread praise for its efforts to clean up Homebush Bay, a brownfield site long seen as a liability for the city. The Toronto Bid Committee is making itself accountable for: creating the healthiest possible conditions for the athletes, visitors and residents; designing for sustainability; protecting, restoring and enhancing human and natural habitats; conserving resources and minimizing the ecological impact of the Games; promoting innovative, technically proven Canadian environmental technology; and fostering environmental awareness and education. The Committee intends to make the environment a priority and not just an afterthought in the bidding process. It hopes to develop specific goals and where possible, quantifiable targets in non-polluting designs for all Olympic housing and sports facilities. Wherever possible renewable power such as wind, solar and fuel cells will be used, and cleaner fuels such as natural gas where green power is not a viable option

  20. Faster than Hermitian Quantum Mechanics

    International Nuclear Information System (INIS)

    Bender, Carl M.; Brody, Dorje C.; Jones, Hugh F.; Meister, Bernhard K.

    2007-01-01

    Given an initial quantum state vertical bar ψ I > and a final quantum state vertical bar ψ F >, there exist Hamiltonians H under which vertical bar ψ I > evolves into vertical bar ψ F >. Consider the following quantum brachistochrone problem: subject to the constraint that the difference between the largest and smallest eigenvalues of H is held fixed, which H achieves this transformation in the least time τ? For Hermitian Hamiltonians τ has a nonzero lower bound. However, among non-Hermitian PT-symmetric Hamiltonians satisfying the same energy constraint, τ can be made arbitrarily small without violating the time-energy uncertainty principle. This is because for such Hamiltonians the path from vertical bar ψ I > to vertical bar ψ F > can be made short. The mechanism described here is similar to that in general relativity in which the distance between two space-time points can be made small if they are connected by a wormhole. This result may have applications in quantum computing

  1. Data goes faster than ever

    CERN Multimedia

    Katarina Anthony

    2012-01-01

    Using store-bought computers and commercially available optical fibre lines, researchers from the California Institute of Technology (Caltech), the University of Victoria, the University of Michigan, CERN and Florida International University broke the world speed record for LHC data transfer. They caught the attention of HEP experiments worldwide – including the LHC – which rely on ever-improving technology to share their results.   The equipment used by the Caltech team to break the data transfer record. Photo credit: D. Foster. At November’s SuperComputing 2011 (SC11) convention in Seattle, the Caltech team sent LHC data between the University of Victoria and the Seattle exhibition floor at a full duplex speed of 186 gigabits per second on a 100 Gbps circuit provided by CANARIE and BCnet. This is a 10-fold increase compared with the current 10 gigabits per second circuits between CERN and each of the 11 major GRID Tier 1 centres that receive LHC data, and you ...

  2. Control Algorithms Charge Batteries Faster

    Science.gov (United States)

    2012-01-01

    On March 29, 2011, NASA s Mercury Surface, Space Environment, Geochemistry and Ranging (MESSENGER) spacecraft beamed a milestone image to Earth: the first photo of Mercury taken from orbit around the solar system s innermost planet. (MESSENGER is also the first spacecraft to orbit Mercury.) Like most of NASA s deep space probes, MESSENGER is enabled by a complex power system that allows its science instruments and communications to function continuously as it travels millions of miles from Earth. "Typically, there isn't one particular power source that can support the entire mission," says Linda Taylor, electrical engineer in Glenn Research Center s Power Systems Analysis Branch. "If you have solar arrays and you are in orbit, at some point you re going to be in eclipse." Because of this, Taylor explains, spacecraft like MESSENGER feature hybrid power systems. MESSENGER is powered by a two-panel solar array coupled with a nickel hydrogen battery. The solar arrays provide energy to the probe and charge the battery; when the spacecraft s orbit carries it behind Mercury and out of the Sun s light, the spacecraft switches to battery power to continue operations. Typically, hybrid systems with multiple power inputs and a battery acting alternately as storage and a power source require multiple converters to handle the power flow between the devices, Taylor says. (Power converters change the qualities of electrical energy, such as from alternating current to direct current, or between different levels of voltage or frequency.) This contributes to a pair of major concerns for spacecraft design. "Weight and size are big drivers for any space application," Taylor says, noting that every pound added to a space vehicle incurs significant costs. For an innovative solution to managing power flows in a lightweight, cost-effective manner, NASA turned to a private industry partner.

  3. Command and Control : faster decisions

    CSIR Research Space (South Africa)

    Venter, C

    2012-10-01

    Full Text Available Decisions 4th Biennial Conference Presented by Cobus Venter 10 October 2012 ? CSIR 2012 Slide 2 Command and Control Planning TaskingControl Assessment Si tu at io n DPSS Objective Ends Increase the Defence Capability of South Africa Ways... Supported by SAAB THALES Global CommsDPSS DDSI ERGOTECH Cooperation to make it work Example 1: Future SA Army Strategy and Joint Operations Support Campus Experiment Example 1: Future SA Army Strategy and Joint Operations Support Campus Experiment...

  4. C.U. INY A G~ G. Grewe and H. Bisswanger3 Department of Food ...

    African Journals Online (AJOL)

    BSN

    Appreciable protease activity assayed by the azocasem protease tc0>t 11as obtained ... fatal diseases such as cancer and AIDS. Their application ..... Ginther CL (1979). Sporulation and the production of serine protease and cephamycin C by.

  5. Economy: the sector crisis grew in 87 and one rate more in 88

    International Nuclear Information System (INIS)

    Servant-Vildary, S.; Soguio, K.

    1988-01-01

    The crisis in the Brazilian electric power sector is analysed, making forecasting for the year of 1995. An overview of the hydroelectric power plants is presented, including some consideration about investments and market. Some commentary about the necessity of Angra-2 operation are also cited. (author)

  6. From Nehemiah Grew to Genomics: the emerging field of evo-devo research for woody plants

    Science.gov (United States)

    Andrew Groover; Quentin Cronk

    2013-01-01

    Wood has played a primary role in the evolution of land plants (Spicer and Groover 2010), but our understanding of the genes and mechanisms underlying wood evolution and development has been limited until recently. Importantly, many of the fundamental questions of woody plant evolution and development are now tractable using genomics and high-capacity sequencing...

  7. Flexible OSSC or the on-site storage alternative and how it grew

    International Nuclear Information System (INIS)

    Dufrane, K.H.

    1986-01-01

    The On-Site Storage Container (OSSC) is an accepted and proven concept currently in widespread use for both operations and the storage of low level radioactive waste. In addition, it represents a very attractive enhancement to a geological low-level waste disposal site. Use of the proven OSSC concept at a site can provide additional safety to the environment by combining the benefits of an engineered storage facility with the proven safety of a sound geological repository. The concept of flexibility which was built into the OSSC concept for the temporary above ground storage of low-level waste is directly applicable to a permanent storage facility. Manufacturing costs, size flexibility, handling systems, and real-world operational advantages are well known and proven. This background provides a high confidence level for adapting this technology to a disposal site while keeping in mind the significance of both operational economics, safety to the environment, and ALARA principles. The development, design and cost effectiveness features of the OSSC as a temporary storage facility are discussed in detail. The flexible OSSC provides significant economic advantages over a permanent storage building. The application of the OSSC to a permanent geological disposal site provides the environmental advantages of an engineered facility while maintaining the inherent operational and economic benefits of the flexible OSSC concept

  8. Global solar PV installations grew in 2015 and will continue this trend over the coming years

    International Nuclear Information System (INIS)

    2016-01-01

    According to preliminary numbers from GTM Research, 59 GW of solar PV were installed globally in 2015, representing a 34% increase over 2014 total. The fourth quarter of 2015 showed that global PV demand is very much at the mercy of government support, which can often be unpredictable and idiosyncratic, frequently leading to negative, although occasionally positive, outcomes. By the end of 2016, cumulative installations will reach 321 GW. (Author)

  9. “We grew as we grew”: visual methods, social change and collective ...

    African Journals Online (AJOL)

    ... participants about what impact the work has had on their lives. Each has travelled a different journey and been faced with different constraints that have implications for the effectiveness of such work. Where are they now, and as adults, what do they have to say about the visual methodologies, memory, and social change?

  10. “We grew as we grew”: visual methods, social change and collective ...

    African Journals Online (AJOL)

    from taking a longitudinal approach to educational research? ... structural factors are critical considerations (Shirani & Weller, 2010; Neale, 2010). ... We came to the debates and the workshops with an eye to critical thinking. ... Looking at educational projects using visual methodologies over time has a great deal to offer.

  11. C.U. INY A G~ G. Grewe and H. Bisswanger3 Department of Food ...

    African Journals Online (AJOL)

    BSN

    Appreciable protease activity assayed by the azocasem protease tc0>t 11as obtained after 96h of cultivation. '' hen growth of the organism had stopped at an alkaline pll of 7.5- 8 0. Puriticdtion of the protease ''as b) ammonium sulphate fractionation. ion exchange chromatograph~ u:.ing DEAE- cellulose 52, gel filtration us ...

  12. Platelet-rich fibrin, “a faster healing aid” in the treatment of combined lesions: A report of two cases

    Science.gov (United States)

    Karunakar, Parupalli; Prasanna, Jammula Surya; Jayadev, Matapathi; Shravani, Guniganti Sushma

    2014-01-01

    Anatomically the pulp and periodontium are connected through apical foramen, and the lateral, accessory, and furcal canals. Diseases of one tissue may affect the other. In the present case report with two cases, a primary periodontal lesion with secondary endodontic involvement is described. In both cases, root canal treatment was done followed by periodontal therapy with the use of platelet-rich fibrin (PRF) as the regenerative material of choice. PRF has been a breakthrough in the stimulation and acceleration of tissue healing. It is used to achieve faster healing of the intrabony defects. Absence of an intraradicular lesion, pain, and swelling, along with tooth stability and adequate radiographic bone fill at 9 months of follow-up indicated a successful outcome. PMID:25425831

  13. Starting off on the right foot: strong right-footers respond faster with the right foot to positive words and with the left foot to negative words.

    Science.gov (United States)

    de la Vega, Irmgard; Graebe, Julia; Härtner, Leonie; Dudschig, Carolin; Kaup, Barbara

    2015-01-01

    Recent studies have provided evidence for an association between valence and left/right modulated by handedness, which is predicted by the body-specificity hypothesis (Casasanto, 2009) and also reflected in response times. We investigated whether such a response facilitation can also be observed with foot responses. Right-footed participants classified positive and negative words according to their valence by pressing a key with their left or right foot. A significant interaction between valence and foot only emerged in the by-items analysis. However, when dividing participants into two groups depending on the strength of their footedness, an interaction between valence and left/right was observed for strong right-footers, who responded faster with the right foot to positive words, and with the left foot to negative words. No interaction emerged for weak right-footers. The results strongly support the assumption that fluency lies at the core of the association between valence and left/right.

  14. Faster methods for estimating arc centre position during VAR and results from Ti-6Al-4V and INCONEL 718 alloys

    Science.gov (United States)

    Nair, B. G.; Winter, N.; Daniel, B.; Ward, R. M.

    2016-07-01

    Direct measurement of the flow of electric current during VAR is extremely difficult due to the aggressive environment as the arc process itself controls the distribution of current. In previous studies the technique of “magnetic source tomography” was presented; this was shown to be effective but it used a computationally intensive iterative method to analyse the distribution of arc centre position. In this paper we present faster computational methods requiring less numerical optimisation to determine the centre position of a single distributed arc both numerically and experimentally. Numerical validation of the algorithms were done on models and experimental validation on measurements based on titanium and nickel alloys (Ti6Al4V and INCONEL 718). The results are used to comment on the effects of process parameters on arc behaviour during VAR.

  15. Item hierarchy-based analysis of the Rivermead Mobility Index resulted in improved interpretation and enabled faster scoring in patients undergoing rehabilitation after stroke.

    Science.gov (United States)

    Roorda, Leo D; Green, John R; Houwink, Annemieke; Bagley, Pam J; Smith, Jane; Molenaar, Ivo W; Geurts, Alexander C

    2012-06-01

    To enable improved interpretation of the total score and faster scoring of the Rivermead Mobility Index (RMI) by studying item ordering or hierarchy and formulating start-and-stop rules in patients after stroke. Cohort study. Rehabilitation center in the Netherlands; stroke rehabilitation units and the community in the United Kingdom. Item hierarchy of the RMI was studied in an initial group of patients (n=620; mean age ± SD, 69.2±12.5y; 297 [48%] men; 304 [49%] left hemisphere lesion, and 269 [43%] right hemisphere lesion), and the adequacy of the item hierarchy-based start-and-stop rules was checked in a second group of patients (n=237; mean age ± SD, 60.0±11.3y; 139 [59%] men; 103 [44%] left hemisphere lesion, and 93 [39%] right hemisphere lesion) undergoing rehabilitation after stroke. Not applicable. Mokken scale analysis was used to investigate the fit of the double monotonicity model, indicating hierarchical item ordering. The percentages of patients with a difference between the RMI total score and the scores based on the start-and-stop rules were calculated to check the adequacy of these rules. The RMI had good fit of the double monotonicity model (coefficient H(T)=.87). The interpretation of the total score improved. Item hierarchy-based start-and-stop rules were formulated. The percentages of patients with a difference between the RMI total score and the score based on the recommended start-and-stop rules were 3% and 5%, respectively. Ten of the original 15 items had to be scored after applying the start-and-stop rules. Item hierarchy was established, enabling improved interpretation and faster scoring of the RMI. Copyright © 2012 American Congress of Rehabilitation Medicine. Published by Elsevier Inc. All rights reserved.

  16. Emotional facial expressions evoke faster orienting responses, but weaker emotional responses at neural and behavioural levels compared to scenes: A simultaneous EEG and facial EMG study.

    Science.gov (United States)

    Mavratzakis, Aimee; Herbert, Cornelia; Walla, Peter

    2016-01-01

    In the current study, electroencephalography (EEG) was recorded simultaneously with facial electromyography (fEMG) to determine whether emotional faces and emotional scenes are processed differently at the neural level. In addition, it was investigated whether these differences can be observed at the behavioural level via spontaneous facial muscle activity. Emotional content of the stimuli did not affect early P1 activity. Emotional faces elicited enhanced amplitudes of the face-sensitive N170 component, while its counterpart, the scene-related N100, was not sensitive to emotional content of scenes. At 220-280ms, the early posterior negativity (EPN) was enhanced only slightly for fearful as compared to neutral or happy faces. However, its amplitudes were significantly enhanced during processing of scenes with positive content, particularly over the right hemisphere. Scenes of positive content also elicited enhanced spontaneous zygomatic activity from 500-750ms onwards, while happy faces elicited no such changes. Contrastingly, both fearful faces and negative scenes elicited enhanced spontaneous corrugator activity at 500-750ms after stimulus onset. However, relative to baseline EMG changes occurred earlier for faces (250ms) than for scenes (500ms) whereas for scenes activity changes were more pronounced over the whole viewing period. Taking into account all effects, the data suggests that emotional facial expressions evoke faster attentional orienting, but weaker affective neural activity and emotional behavioural responses compared to emotional scenes. Copyright © 2015 The Authors. Published by Elsevier Inc. All rights reserved.

  17. The world energy demand in 2006: Confirmed increase in energy consumptions in a context of soaring crude oil prices; but economic growth is twice faster - June, 10 2007

    International Nuclear Information System (INIS)

    Chateau, Bertrand

    2007-01-01

    Confirmed increase in energy consumptions in a context of soaring crude oil prices; but economic growth is twice faster. According to the latest estimates by Enerdata, The world energy demand growth remains sustained in 2006, but twice slower than the GDP's growth, probably due to high energy prices on the international market. Oil: The oil demand, very captive, confirms once again its low elasticity to prices. 71% of the world oil product demand is concentrated on transport and petro-chemical sectors (77% in Europe, +13 points since 1990; 89% in North America). Gas/Electricity: Gas demand growth in 2006 is driven by Asia and the CIS, obvious price effects in the European Union. The CIS regains its position in the world production growth (22% in 2006 against 13% in 2005 and 33% in 2004). The power generation growth is more and more dominated by China and other Asian countries. The world electricity demand increases in the same proportions as in 2005 and 2004: 4%/year. Coal: Coal accounts for half of the world increase in energy consumption in 2006. China still accounts for 72% of the coal consumption, India for 10%, the rest of Asia 8% the rest of the world 10%. (authors)

  18. Charged Particles are Prevented from Going Faster than the Speed of Light by Light Itself: A Biophysical Cell Biologist's Contribution to Physics

    International Nuclear Information System (INIS)

    Wayne, R.

    2010-01-01

    Investigations of living organisms have led biologists and physicians to introduce fundamental concepts, including Brownian motion, the First Law of Thermodynamics, Poiseuille's Law of fluid flow, and Fick's Law of diffusion into physics. Given the prominence of viscous forces within and around cells and the experience of identifying and quantifying such resistive forces, biophysical cell biologists have an unique perspective in discovering the viscous forces that cause moving particles to respond to an applied force in a nonlinear manner. Using my experience as a biophysical cell biologist, I show that in any space consisting of a photon gas with a temperature above absolute zero, Doppler-shifted photons exert a velocity-dependent viscous force on moving charged particles. This viscous force prevents charged particles from exceeding the speed of light. Consequently, light itself prevents charged particles from moving faster than the speed of light. This interpretation provides a testable alternative to the interpretation provided by the Special Theory of Relativity, which contends that particles are prevented from exceeding the speed of light as a result of the relativity of time. (author)

  19. Boosting recovery rather than buffering reactivity: Higher stress-induced oxytocin secretion is associated with increased cortisol reactivity and faster vagal recovery after acute psychosocial stress.

    Science.gov (United States)

    Engert, Veronika; Koester, Anna M; Riepenhausen, Antje; Singer, Tania

    2016-12-01

    Animal models and human studies using paradigms designed to stimulate endogenous oxytocin release suggest a stress-buffering role of oxytocin. We here examined the involvement of stress-induced peripheral oxytocin secretion in reactivity and recovery phases of the human psychosocial stress response. Healthy male and female participants (N=114) were subjected to a standardized laboratory stressor, the Trier Social Stress Test. In addition to plasma oxytocin, cortisol was assessed as a marker of hypothalamic-pituitary-adrenal (HPA-) axis activity, alpha-amylase and heart rate as markers of sympathetic activity, high frequency heart rate variability as a marker of vagal tone and self-rated anxiety as an indicator of subjective stress experience. On average, oxytocin levels increased by 51% following psychosocial stress. The stress-induced oxytocin secretion, however, did not reduce stress reactivity. To the contrary, higher oxytocin secretion was associated with greater cortisol reactivity and peak cortisol levels in both sexes. In the second phase of the stress response the opposite pattern was observed, with higher oxytocin secretion associated with faster vagal recovery. We suggest that after an early stage of oxytocin and HPA-axis co-activation, the stress-reducing action of oxytocin unfolds. Due to the time lag it manifests as a recovery-boosting rather than a reactivity-buffering effect. By reinforcing parasympathetic autonomic activity, specifically during stress recovery, oxytocin may provide an important protective function against the health-compromising effects of sustained stress. Copyright © 2016 Elsevier Ltd. All rights reserved.

  20. CuInS2/ZnS QD-ferroelectric liquid crystal mixtures for faster electro-optical devices and their energy storage aspects

    Science.gov (United States)

    Singh, Dharmendra Pratap; Vimal, Tripti; Mange, Yatin J.; Varia, Mahesh C.; Nann, Thomas; Pandey, K. K.; Manohar, Rajiv; Douali, Redouane

    2018-01-01

    CuInS2/ZnS core/shell quantum dots (CIS/ZnS QDs) dispersed ferroelectric liquid crystal (FLC) mixtures have been characterized for their application in electro-optical devices, energy storage, and solar cells. Physical properties of the CIS/ZnS QD-FLC (ferroelectric liquid crystal) mixtures have also been investigated with varying QD concentrations in order to optimize the critical concentration of QDs in mixtures. The presence of QDs breaks the geometrical symmetry in the FLC matrix, which results in a change in the physical properties of the mixtures. We observed the reduced values of primary and secondary order parameters (tilt angle and spontaneous polarization, respectively) for mixtures, which also depend on the concentration of QDs. The reduction of spontaneous polarization in QDs-FLC mixtures is attributed to the adverse role of flexoelectric contribution in the mixtures. The 92% faster electro-optic response and enhanced capacitance indicate the possible application of these mixtures in electro-optical devices and solar cells. Photoluminescence emission of pure FLC and QDs-FLC mixtures has been thermally tailored, which is explained by suitable models.

  1. The importance of moral construal: moral versus non-moral construal elicits faster, more extreme, universal evaluations of the same actions.

    Directory of Open Access Journals (Sweden)

    Jay J Van Bavel

    Full Text Available Over the past decade, intuitionist models of morality have challenged the view that moral reasoning is the sole or even primary means by which moral judgments are made. Rather, intuitionist models posit that certain situations automatically elicit moral intuitions, which guide moral judgments. We present three experiments showing that evaluations are also susceptible to the influence of moral versus non-moral construal. We had participants make moral evaluations (rating whether actions were morally good or bad or non-moral evaluations (rating whether actions were pragmatically or hedonically good or bad of a wide variety of actions. As predicted, moral evaluations were faster, more extreme, and more strongly associated with universal prescriptions-the belief that absolutely nobody or everybody should engage in an action-than non-moral (pragmatic or hedonic evaluations of the same actions. Further, we show that people are capable of flexibly shifting from moral to non-moral evaluations on a trial-by-trial basis. Taken together, these experiments provide evidence that moral versus non-moral construal has an important influence on evaluation and suggests that effects of construal are highly flexible. We discuss the implications of these experiments for models of moral judgment and decision-making.

  2. Psoriasis treatment: faster and long-standing results after bathing in geothermal seawater. A randomized trial of three UVB phototherapy regimens.

    Science.gov (United States)

    Eysteinsdóttir, Jenna Huld; Ólafsson, Jón Hjaltalín; Agnarsson, Bjarni A; Lúðvíksson, Björn Rúnar; Sigurgeirsson, Bárður

    2014-02-01

    The combination of seawater baths and narrowband ultraviolet B (NB-UVB) is a known treatment for psoriasis. This study evaluates two treatment regimens that combine bathing in geothermal seawater and NB-UVB therapy in comparison with NB-UVB monotherapy. Sixty-eight psoriasis patients were randomly assigned to outpatient bathing in geothermal seawater combined with NB-UVB therapy three times a week, intensive daily treatment involving bathing in geothermal seawater combined with NB-UVB therapy, or NB-UVB therapy alone three times a week; treatment period was 6 weeks. Disease severity [Psoriasis Area Severity Index (PASI) and Lattice System Physician's Global Assessment scores], quality of life (Dermatology Life Quality Index) and histological changes were evaluated before, during and after treatment. The primary end point was the proportion of patients who achieved PASI 75 at 6 weeks. At 6 weeks, the percentage of patients who achieved PASI 75 and PASI 90 was significantly greater for both regimens, bathing in geothermal seawater three times a week (68.1% and 18.2%, respectively) and intensive treatment with geothermal seawater (73.1% and 42.3%, respectively) than for NB-UVB monotherapy (16.7% and 0%, respectively) (P seawater combined with NB-UVB therapy in psoriasis induces faster clinical and histological improvement, produces longer remission time and permits lower NB-UVB doses than UVB therapy alone. © 2013 John Wiley & Sons A/S. Published by John Wiley & Sons Ltd.

  3. Which Ultrasound-Guided Sciatic Nerve Block Strategy Works Faster? Prebifurcation or Separate Tibial-Peroneal Nerve Block? A Randomized Clinical Trial.

    Science.gov (United States)

    Faiz, Seyed Hamid Reza; Imani, Farnad; Rahimzadeh, Poupak; Alebouyeh, Mahmoud Reza; Entezary, Saeed Reza; Shafeinia, Amineh

    2017-08-01

    Peripheral nerve block is an accepted method in lower limb surgeries regarding its convenience and good tolerance by the patients. Quick performance and fast sensory and motor block are highly demanded in this method. The aim of the present study was to compare 2 different methods of sciatic and tibial-peroneal nerve block in lower limb surgeries in terms of block onset. In this clinical trial, 52 candidates for elective lower limb surgery were randomly divided into 2 groups: sciatic nerve block before bifurcation (SG; n = 27) and separate tibial-peroneal nerve block (TPG; n = 25) under ultrasound plus nerve stimulator guidance. The mean duration of block performance, as well as complete sensory and motor block, was recorded and compared between the groups. The mean duration of complete sensory block in the SG and TPG groups was 35.4 ± 4.1 and 24.9 ± 4.2 minutes, respectively, which was significantly lower in the TPG group (P = 0.001). The mean duration of complete motor block in the SG and TPG groups was 63.3 ± 4.4 and 48.4 ± 4.6 minutes, respectively, which was significantly lower in the TPG group (P = 0.001). No nerve injuries, paresthesia, or other possible side effects were reported in patients. According to the present study, it seems that TPG shows a faster sensory and motor block than SG.

  4. Percutaneous closure of patent ductus arteriosus in small infants with significant lung disease may offer faster recovery of respiratory function when compared to surgical ligation.

    Science.gov (United States)

    Abu Hazeem, Anas A; Gillespie, Matthew J; Thun, Haley; Munson, David; Schwartz, Matthew C; Dori, Yoav; Rome, Jonathan J; Glatz, Andrew C

    2013-10-01

    To describe our experience with percutaneous closure of patent ductus arteriosus (PDA) in small infants and compare outcomes to matched surgical patients. Ligation via thoracotomy has been used to close PDAs in small infants, but has been associated with respiratory and hemodynamic compromise. We hypothesized that percutaneous closure would offer faster recovery of respiratory function. Patients closure between January 2000 and April 2012 were reviewed and matched to contemporary surgical patients on gestational age (GA), birth weight (BW), procedure weight (WT), and ventilation mode. Patients returned to baseline respiratory status when the product of mean airway pressure and FiO2 returned to pre-procedural levels. Eight matched pairs were included. Median BW, GA, and WT were 1.43 kg (0.52-2.97), 29.8 weeks (24-39), and 2.8 kg (2.2-3.9) for catheter patients and 1.55 kg (0.48-3.04), 29 weeks (23-37), and 2.75 kg (2.3-4.2) for surgical patients. Complete PDA closure occurred in all. The median time to return to baseline respiratory status was significantly shorter in the percutaneous group (17 hr (range 0-113) vs. 53 hr (range 13-219), P closure of PDA in small infants on respiratory support is equivalent in safety and efficacy and may offer shorter recovery time than surgical ligation. Copyright © 2013 Wiley Periodicals, Inc.

  5. Move faster, think later: Women who play action video games have quicker visually-guided responses with later onset visuomotor-related brain activity.

    Science.gov (United States)

    Gorbet, Diana J; Sergio, Lauren E

    2018-01-01

    A history of action video game (AVG) playing is associated with improvements in several visuospatial and attention-related skills and these improvements may be transferable to unrelated tasks. These facts make video games a potential medium for skill-training and rehabilitation. However, examinations of the neural correlates underlying these observations are almost non-existent in the visuomotor system. Further, the vast majority of studies on the effects of a history of AVG play have been done using almost exclusively male participants. Therefore, to begin to fill these gaps in the literature, we present findings from two experiments. In the first, we use functional MRI to examine brain activity in experienced, female AVG players during visually-guided reaching. In the second, we examine the kinematics of visually-guided reaching in this population. Imaging data demonstrate that relative to women who do not play, AVG players have less motor-related preparatory activity in the cuneus, middle occipital gyrus, and cerebellum. This decrease is correlated with estimates of time spent playing. Further, these correlations are strongest during the performance of a visuomotor mapping that spatially dissociates eye and arm movements. However, further examinations of the full time-course of visuomotor-related activity in the AVG players revealed that the decreased activity during motor preparation likely results from a later onset of activity in AVG players, which occurs closer to beginning motor execution relative to the non-playing group. Further, the data presented here suggest that this later onset of preparatory activity represents greater neural efficiency that is associated with faster visually-guided responses.

  6. Catheter placement for lysis of spontaneous intracerebral hematomas: does a catheter position in the core of the hematoma allow more effective and faster hematoma lysis?

    Science.gov (United States)

    Malinova, Vesna; Schlegel, Anna; Rohde, Veit; Mielke, Dorothee

    2017-07-01

    For the fibrinolytic therapy of intracerebral hematomas (ICH) using recombinant tissue plasminogen activator (rtPA), a catheter position in the core of the hematoma along the largest clot diameter was assumed to be optimal for an effective clot lysis. However, it never had been proven that core position indeed enhances clot lysis if compared with less optimal catheter positions. In this study, the impact of the catheter position on the effectiveness and on the time course of clot lysis was evaluated. We analyzed the catheter position using a relative error calculating the distance perpendicular to the catheter's center in relation to hematoma's diameter and evaluated the relative hematoma volume reduction (RVR). The correlation of the RVR with the catheter position was evaluated. Additionally, we tried to identify patterns of clot lysis with different catheter positions. The patient's outcome at discharge was evaluated using the Glasgow outcome score. A total of 105 patients were included in the study. The mean hematoma volume was 56 ml. The overall RVR was 62.7 %. In 69 patients, a catheter position in the core of the clot was achieved. We found no significant correlation between catheter position and hematoma RVR (linear regression, p = 0.14). Core catheter position leads to more symmetrical hematoma RVR. Faster clot lysis happens in the vicinity of the catheter openings. We found no significant difference in the patient's outcome dependent on the catheter position (linear regression, p = 0.90). The catheter position in the core of the hematoma along its largest diameter does not significantly influence the effectiveness of clot lysis after rtPA application.

  7. Faster DNA Repair of Ultraviolet-Induced Cyclobutane Pyrimidine Dimers and Lower Sensitivity to Apoptosis in Human Corneal Epithelial Cells than in Epidermal Keratinocytes.

    Directory of Open Access Journals (Sweden)

    Justin D Mallet

    Full Text Available Absorption of UV rays by DNA generates the formation of mutagenic cyclobutane pyrimidine dimers (CPD and pyrimidine (6-4 pyrimidone photoproducts (6-4PP. These damages are the major cause of skin cancer because in turn, they can lead to signature UV mutations. The eye is exposed to UV light, but the cornea is orders of magnitude less prone to UV-induced cancer. In an attempt to shed light on this paradox, we compared cells of the corneal epithelium and the epidermis for UVB-induced DNA damage frequency, repair and cell death sensitivity. We found similar CPD levels but a 4-time faster UVB-induced CPD, but not 6-4PP, repair and lower UV-induced apoptosis sensitivity in corneal epithelial cells than epidermal. We then investigated levels of DDB2, a UV-induced DNA damage recognition protein mostly impacting CPD repair, XPC, essential for the repair of both CPD and 6-4PP and p53 a protein upstream of the genotoxic stress response. We found more DDB2, XPC and p53 in corneal epithelial cells than in epidermal cells. According to our results analyzing the protein stability of DDB2 and XPC, the higher level of DDB2 and XPC in corneal epithelial cells is most likely due to an increased stability of the protein. Taken together, our results show that corneal epithelial cells have a better efficiency to repair UV-induced mutagenic CPD. On the other hand, they are less prone to UV-induced apoptosis, which could be related to the fact that since the repair is more efficient in the HCEC, the need to eliminate highly damaged cells by apoptosis is reduced.

  8. Move faster, think later: Women who play action video games have quicker visually-guided responses with later onset visuomotor-related brain activity

    Science.gov (United States)

    Gorbet, Diana J.; Sergio, Lauren E.

    2018-01-01

    A history of action video game (AVG) playing is associated with improvements in several visuospatial and attention-related skills and these improvements may be transferable to unrelated tasks. These facts make video games a potential medium for skill-training and rehabilitation. However, examinations of the neural correlates underlying these observations are almost non-existent in the visuomotor system. Further, the vast majority of studies on the effects of a history of AVG play have been done using almost exclusively male participants. Therefore, to begin to fill these gaps in the literature, we present findings from two experiments. In the first, we use functional MRI to examine brain activity in experienced, female AVG players during visually-guided reaching. In the second, we examine the kinematics of visually-guided reaching in this population. Imaging data demonstrate that relative to women who do not play, AVG players have less motor-related preparatory activity in the cuneus, middle occipital gyrus, and cerebellum. This decrease is correlated with estimates of time spent playing. Further, these correlations are strongest during the performance of a visuomotor mapping that spatially dissociates eye and arm movements. However, further examinations of the full time-course of visuomotor-related activity in the AVG players revealed that the decreased activity during motor preparation likely results from a later onset of activity in AVG players, which occurs closer to beginning motor execution relative to the non-playing group. Further, the data presented here suggest that this later onset of preparatory activity represents greater neural efficiency that is associated with faster visually-guided responses. PMID:29364891

  9. A combined simple bubbling method with high performance liquid chromatography purification strategy, higher radiochemical yield and purity and faster preparation of carbon-11-raclopride.

    Science.gov (United States)

    Huang, Huacheng; Ning, Yanli; Zhang, Bucheng; Lou, Cen

    2015-01-01

    Carbon-11-raclopride (¹¹C-R) is a positron-emitting radiotracer successfully used for the study of cognitive control and widely applied in PET imaging. A simple automated preparation of ¹¹C-R by using the reaction of carbon-(11)-methyl triflate (¹¹C-MeOTF) or ¹¹C-methyl iodide (¹¹C-MeI) with demethylraclopride is described. Specifically we used a simple setup applied an additional "U" reaction vessel for ¹¹C-MeOTf compared with ¹¹C-MeI and assessed the influence of several solvents and of the amount of the percussor for ¹¹C-methylation of demethylraclopride by the bubbling method. The reversal of retention order between product and its precursor has been achieved for ¹¹C-R, enabling collection of the purified ¹¹C-R by using the HPLC column after shorter retention time. By the improved radiosynthesis and purification strategy, ¹¹C-R could be prepared with higher radiochemical yield than that of the previous studies. The yield for ¹¹C-MeOTf was 76% and for ¹¹C-CH3I >26% and with better radiochemical purity (>99% based on both ¹¹C-MeOTf and ¹¹C-MeI) as compared to the previously obtained purity of ¹¹C-R using HPLC method with acetonitrile as a part of mobile phase. Furthermore, by using ethanol as the organic modifier, residual solvent analysis prior to human injection could be avoided and ¹¹C-R could be injected directly following simple dilution and sterile filtration. Improved radiosynthesis and HPLC purification in combination with ethanol containing eluent, extremely shortened the time for preparation of ¹¹C-R, gave a higher radiochemical yield and purity for ¹¹C-R and can be used for multiple and faster synthesis of ¹¹C-R and probably for other ¹¹C-labeled radiopharmaceuticals.

  10. Selective toxin effects on faster and slower growing individuals in the formation of hormesis at the population level - A case study with Lactuca sativa and PCIB.

    Science.gov (United States)

    Belz, Regina G; Sinkkonen, Aki

    2016-10-01

    Natural plant populations have large phenotypic plasticity that enhances acclimation to local stress factors such as toxin exposures. While consequences of high toxin exposures are well addressed, effects of low-dose toxin exposures on plant populations are seldom investigated. In particular, the importance of 'selective low-dose toxicity' and hormesis, i.e. stimulatory effects, has not been studied simultaneously. Since selective toxicity can change the size distribution of populations, we assumed that hormesis alters the size distribution at the population level, and investigated whether and how these two low-dose phenomena coexist. The study was conducted with Lactuca sativa L. exposed to the auxin-inhibitor 2-(p-chlorophenoxy)-2-methylpropionic acid (PCIB) in vitro. In two separate experiments, L. sativa was exposed to 12 PCIB doses in 24 replicates (50 plants/replicate). Shoot/root growth responses at the population level were compared to the fast-growing (≥90% percentile) and the slow-growing subpopulations (≤10% percentile) by Mann-Whitney U testing and dose-response modelling. In the formation of pronounced PCIB hormesis at the population level, low-dose effects proved selective, but widely stimulatory which seems to counteract low-dose selective toxicity. The selectivity of hormesis was dose- and growth rate-dependent. Stimulation occurred at lower concentrations and stimulation percentage was higher among slow-growing individuals, but partly or entirely masked at the population level by moderate or negligible stimulation among the faster growing individuals. We conclude that the hormetic effect up to the maximum stimulation may be primarily facilitated by an increase in size of the most slow-growing individuals, while thereafter it seems that mainly the fast-growing individuals contributed to the observed hormesis at the population level. As size distribution within a population is related to survival, our study hints that selective effects on slow

  11. Development, optimization, validation and application of faster gas chromatography - flame ionization detector method for the analysis of total petroleum hydrocarbons in contaminated soils.

    Science.gov (United States)

    Zubair, Abdulrazaq; Pappoe, Michael; James, Lesley A; Hawboldt, Kelly

    2015-12-18

    This paper presents an important new approach to improving the timeliness of Total Petroleum Hydrocarbon (TPH) analysis in the soil by Gas Chromatography - Flame Ionization Detector (GC-FID) using the CCME Canada-Wide Standard reference method. The Canada-Wide Standard (CWS) method is used for the analysis of petroleum hydrocarbon compounds across Canada. However, inter-laboratory application of this method for the analysis of TPH in the soil has often shown considerable variability in the results. This could be due, in part, to the different gas chromatography (GC) conditions, other steps involved in the method, as well as the soil properties. In addition, there are differences in the interpretation of the GC results, which impacts the determination of the effectiveness of remediation at hydrocarbon-contaminated sites. In this work, multivariate experimental design approach was used to develop and validate the analytical method for a faster quantitative analysis of TPH in (contaminated) soil. A fractional factorial design (fFD) was used to screen six factors to identify the most significant factors impacting the analysis. These factors included: injection volume (μL), injection temperature (°C), oven program (°C/min), detector temperature (°C), carrier gas flow rate (mL/min) and solvent ratio (v/v hexane/dichloromethane). The most important factors (carrier gas flow rate and oven program) were then optimized using a central composite response surface design. Robustness testing and validation of model compares favourably with the experimental results with percentage difference of 2.78% for the analysis time. This research successfully reduced the method's standard analytical time from 20 to 8min with all the carbon fractions eluting. The method was successfully applied for fast TPH analysis of Bunker C oil contaminated soil. A reduced analytical time would offer many benefits including an improved laboratory reporting times, and overall improved clean up

  12. Hepatic steatosis progresses faster in HIV mono-infected than HIV/HCV co-infected patients and is associated with liver fibrosis.

    Science.gov (United States)

    Pembroke, Thomas; Deschenes, Marc; Lebouché, Bertrand; Benmassaoud, Amine; Sewitch, Maida; Ghali, Peter; Wong, Philip; Halme, Alex; Vuille-Lessard, Elise; Pexos, Costa; Klein, Marina B; Sebastiani, Giada

    2017-10-01

    Hepatic steatosis (HS) seems common in patients infected with human immunodeficiency virus (HIV). However, the relative effect of HIV, as well as hepatitis C virus (HCV) in those co-infected, and the influence of HS on liver fibrosis progression are unclear. The LIVEr disease in HIV (LIVEHIV) is a Canadian prospective cohort study using transient elastography and associated controlled attenuation parameter (CAP) to screen for HS and liver fibrosis, in unselected HIV-infected adults. HS progression was defined as development of any grade HS (CAP ⩾248dB/m), or transition to severe HS (CAP >292dB/m), for those with any grade HS at baseline. Fibrosis progression was defined as development of significant liver fibrosis (liver stiffness measurement [LSM] >7.1kPa), or transition to cirrhosis (LSM >12.5kPa) for those with significant liver fibrosis at baseline. Cox regression analysis was used to assess predictors of HS and fibrosis progression. A prospective cohort study was conducted, which included 726 HIV-infected patients (22.7% HCV co-infected). Prevalence of any grade HS did not differ between HIV mono-infected and HIV/HCV co-infected patients (36.1% vs. 38.6%, respectively). 313 patients were followed for a median of 15.4 (interquartile range 8.5-23.0) months. The rate of HS progression was 37.8 (95% confidence interval [CI] 29.2-49.0) and 21.9 (95% CI 15.6-30.7) per 100 person-years in HIV mono-infection and HIV/HCV co-infection, respectively. HCV co-infection was an independent negative predictor of HS progression (adjusted hazard ratio [aHR] 0.50, 95% CI 0.28-0.89). HS predicted liver fibrosis progression in HIV mono-infection (aHR 4.18, 95% CI 1.21-14.5), but not in HIV/HCV co-infection. HS progresses faster and is associated with liver fibrosis progression in HIV mono-infection but not in HIV/HCV co-infection. Lay summary: Fatty liver is the most frequent liver disease in Western countries. People living with HIV seem at high risk of fatty liver due to

  13. Faster eating rates are associated with higher energy intakes during an ad libitum meal, higher BMI and greater adiposity among 4·5-year-old children: results from the Growing Up in Singapore Towards Healthy Outcomes (GUSTO) cohort.

    Science.gov (United States)

    Fogel, Anna; Goh, Ai Ting; Fries, Lisa R; Sadananthan, Suresh A; Velan, S Sendhil; Michael, Navin; Tint, Mya-Thway; Fortier, Marielle V; Chan, Mei Jun; Toh, Jia Ying; Chong, Yap-Seng; Tan, Kok Hian; Yap, Fabian; Shek, Lynette P; Meaney, Michael J; Broekman, Birit F P; Lee, Yung Seng; Godfrey, Keith M; Chong, Mary F F; Forde, Ciarán G

    2017-04-01

    Faster eating rates are associated with increased energy intake, but little is known about the relationship between children's eating rate, food intake and adiposity. We examined whether children who eat faster consume more energy and whether this is associated with higher weight status and adiposity. We hypothesised that eating rate mediates the relationship between child weight and ad libitum energy intake. Children (n 386) from the Growing Up in Singapore Towards Healthy Outcomes cohort participated in a video-recorded ad libitum lunch at 4·5 years to measure acute energy intake. Videos were coded for three eating-behaviours (bites, chews and swallows) to derive a measure of eating rate (g/min). BMI and anthropometric indices of adiposity were measured. A subset of children underwent MRI scanning (n 153) to measure abdominal subcutaneous and visceral adiposity. Children above/below the median eating rate were categorised as slower and faster eaters, and compared across body composition measures. There was a strong positive relationship between eating rate and energy intake (r 0·61, P<0·001) and a positive linear relationship between eating rate and children's BMI status. Faster eaters consumed 75 % more energy content than slower eating children (Δ548 kJ (Δ131 kcal); 95 % CI 107·6, 154·4, P<0·001), and had higher whole-body (P<0·05) and subcutaneous abdominal adiposity (Δ118·3 cc; 95 % CI 24·0, 212·7, P=0·014). Mediation analysis showed that eating rate mediates the link between child weight and energy intake during a meal (b 13·59; 95 % CI 7·48, 21·83). Children who ate faster had higher energy intake, and this was associated with increased BMI z-score and adiposity.

  14. 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

  15. "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

  16. 75 FR 12333 - Truth in Lending

    Science.gov (United States)

    2010-03-15

    ... current cost information, the proposed rule would require card issuers to re-evaluate their costs at least... the individual characteristics of that consumer (such as the consumer's disposable income or other...

  17. 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

  18. 12 CFR 613.3005 - Lending objective.

    Science.gov (United States)

    2010-01-01

    ..., or producing or harvesting aquatic products); and conservative credit to less than full-time farmers..., other agricultural purposes, and family needs in the preferred position along with full-time farmers. Loans to farmers shall be on an increasingly conservative basis as the emphasis moves away from the full...

  19. 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

  20. 75 FR 7657 - Truth in Lending

    Science.gov (United States)

    2010-02-22

    ... consumer consents, the issuer is also required to provide a notice of the consumer's right to revoke that... to open-end consumer credit plans, including credit card accounts. In particular, the rule limits the... consumer's ability to make the required payments, establishes special requirements for extensions of credit...

  1. 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)

  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 66553 - Truth in Lending

    Science.gov (United States)

    2010-10-28

    ... Conduct, the current standard for appraisal independence for loans purchased by Fannie Mae and Freddie Mac... loans the GSEs would purchase. The HVCC is based on an agreement between the GSEs, New York State..., bribe, or intimidate a person, appraisal management company, firm, or other entity conducting or...

  4. 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)

  5. President Andrus Aljase ohtlik lend / Paavo Kangur

    Index Scriptorium Estoniae

    Kangur, Paavo, 1966-

    2009-01-01

    Estonian Airi president ja juhatuse esimees Andrus Aljas ettevõtte arengustsenaariumitest ja tegevusplaanidest järgmisteks aastateks. Estonian Airi positsioonist lennuturul. Vt. samas: Andrus Aljas; Fakte; Andrus Aljas: minu tööpäev

  6. 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.

  7. 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...

  8. 12 CFR 32.3 - Lending limits.

    Science.gov (United States)

    2010-01-01

    ... techniques, or other appropriate methods, to independently verify the reliability of the credit information... period after its occurrence, or a requirement of good faith on the part of the bank. (5) Loans to or... union. (8) Loans to the Student Loan Marketing Association. Loans or extensions of credit to the Student...

  9. 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.

  10. 12 CFR 613.3200 - International lending.

    Science.gov (United States)

    2010-01-01

    ... is authorized to finance the export (including the cost of freight) of agricultural commodities or....3200 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ELIGIBILITY AND SCOPE OF FINANCING...) Definitions. For the purpose of this section only, the following definitions apply: (1) Agricultural supply...

  11. 75 FR 58509 - Truth in Lending

    Science.gov (United States)

    2010-09-24

    ...), 15 U.S.C. 1601 et seq., based on findings that economic stability would be enhanced and competition... other less favorable terms. Yield spread premiums, therefore, present a significant risk of economic...

  12. 12 CFR 7.4008 - Lending.

    Science.gov (United States)

    2010-01-01

    ... not make a consumer loan subject to this § 7.4008 based predominantly on the bank's realization of the...) Access to, and use of, credit reports; (viii) Disclosure and advertising, including laws requiring...) Taxation; (7) Zoning; and (8) Any other law the effect of which the OCC determines to be incidental to the...

  13. Nature always lends a hand; interview

    NARCIS (Netherlands)

    Stive, M.; Panhuijsen, J.

    2012-01-01

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

  14. 75 FR 67457 - Truth in Lending

    Science.gov (United States)

    2010-11-02

    ....2(a)(15)(ii). Because most if not all credit accounts can be accessed in some fashion by an account... outstanding balances in full at the end of each billing cycle. Accordingly, the applicability of a particular... outstanding balance in full by the due date each billing cycle, or on the consumer paying the outstanding...

  15. 76 FR 22947 - Truth in Lending

    Science.gov (United States)

    2011-04-25

    ...' advance notice of interest rate increases and significant changes in terms (TILA Section 127(i)) and... things, provisions regarding interest rate increases (TILA Section 171), over-the-limit transactions... understanding of the circumstances under which such preferred rates can be terminated by the creditor...

  16. Soft information matters in SME lending

    NARCIS (Netherlands)

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

    2011-01-01

    textabstractLoan data from small and medium-sized enterprises (SMEs) has shown that such positive attributes as good management skills and character – so-called ‘soft’ facts – can improve a borrower’s bargaining power with their bank and thus loan terms.

  17. 75 FR 37525 - Truth in Lending

    Science.gov (United States)

    2010-06-29

    ... creditworthiness or behavior on the account, which the consumer may be able to take actions to mitigate, or whether... consumers of any specific on-account behavior in which they have engaged that gave rise to the rate increase.... 226.9, 226.52, and 226.59, and the amendments to Model Forms G-20 and G-22 in Appendix G to Part 226...

  18. 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

  19. A word of caution: do not wake sleeping dogs; micrometastases of melanoma suddenly grew after progesterone treatment

    International Nuclear Information System (INIS)

    Mordoh, Jose; Tapia, Ivana Jaqueline; Barrio, Maria Marcela

    2013-01-01

    Hormonal treatment might affect the immune response to tumor antigens induced in cancer patients who are being vaccinated. A 33 years-old woman was diagnosed with cutaneous melanoma in May 2009. Her melanoma was located in the intermammary sulcus, had a Breslow thickness of 4 mm, a Clark’s level IV, it was ulcerated and highly melanotic. The bilateral sentinel node biopsy was negative. She entered into a randomized Phase II/III clinical study comparing a vaccine composed of irradiated melanoma cells plus BCG plus GM-CSF versus IFN-alpha 2b and she was assigned to the vaccine arm. During the two years treatment she remained disease-free; the final CAT scan being performed in August 2011. Between November and December 2011, her gynecologist treated her with three cycles of 200 mg progesterone/day for ten days, every two weeks, for ovary dysfunction. In November 2011 the patient returned to the Hospital for clinical and imaging evaluation and no evidence of disease was found. At the next visit in March 2012 an ultrasound revealed multiple, large metastases in the liver. A CAT scan confirmed the presence of liver, adrenal glands and spleen metastases. A needle biopsy of a liver lesion revealed metastatic melanoma of similar characteristics to the original tumor. We suggest that progesterone treatment triggered proliferation of so far dormant micrometastases that were controlled during CSF470 vaccine treatment. The use of progesterone in patients with melanoma that are under immunological treatments should be carefully considered, since progesterone could modify the balance of pro-inflammatory and Th1 functions to a regulatory and anti-inflammatory profile of the immune system that could have an impact in tumor progression

  20. United States Army Officer Development And Procurement During World War I and II: How The Army Grew Its Officer Corps

    Science.gov (United States)

    2016-05-26

    rifle marksmanship, the use of artillery, cavalry, medical, and signal. The camp’s series of challenges culminated with a sixty- five mile hike . Upon...camps. I believe the students attending will derive not only a great deal of physical benefit from the healthful, open-air life, but also they will... benefit from discipline, habits of regularity and the knowledge of personal and camp sanitation which the experience in camp will give them. The camps