WorldWideScience

Sample records for lends additional support

  1. Designing an Information System for Decision Support Lending

    Directory of Open Access Journals (Sweden)

    Adrian LUPASC

    2017-04-01

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

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

    Directory of Open Access Journals (Sweden)

    Sergey A. Krasko

    2013-01-01

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

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

    Science.gov (United States)

    Molla, Tebeje

    2014-01-01

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

  4. 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.

  5. 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.

  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. Payday lending regulation

    OpenAIRE

    Alex Kaufman

    2013-01-01

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

  8. Self-supporting Topology Optimization for Additive Manufacturing

    OpenAIRE

    Zhao, Dengyang; Li, Ming; Liu, Yusheng

    2017-01-01

    The paper presents a topology optimization approach that designs an optimal structure, called a self-supporting structure, which is ready to be fabricated via additive manufacturing without the usage of additional support structures. Such supports in general have to be created during the fabricating process so that the primary object can be manufactured layer by layer without collapse, which is very time-consuming and waste of material. The proposed approach resolves this problem by formulati...

  9. 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…

  10. 77 FR 76841 - Lending Limits

    Science.gov (United States)

    2012-12-31

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

  11. 78 FR 37930 - Lending Limits

    Science.gov (United States)

    2013-06-25

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

  12. 77 FR 37265 - Lending Limits

    Science.gov (United States)

    2012-06-21

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

  13. Additional Support Needs Reforms and Social Justice in Scotland

    Science.gov (United States)

    Riddell, Sheila; Stead, Joan; Weedon, Elisabet; Wright, Kevin

    2010-01-01

    New additional support-needs legislation in Scotland sought to recognise the way in which poverty, as well as individual impairment, contribute to the creation of children's difficulties in learning. As well as identifying a wider range of needs, the legislation sought to provide parents, irrespective of social background, with more powerful means…

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

    Science.gov (United States)

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

    2012-01-15

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

  15. Lending sociodynamics and economic instability

    Science.gov (United States)

    Hawkins, Raymond J.

    2011-11-01

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

  16. Empirical determinants of relationship lending

    Directory of Open Access Journals (Sweden)

    Sahar Loukil

    2016-12-01

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

  17. Relationship Lending and Firm Innovativeness

    NARCIS (Netherlands)

    Giannetti, C.

    2009-01-01

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

  18. Self-supporting rhombic infill structures for additive manufacturing

    DEFF Research Database (Denmark)

    Wu, Jun; Wang, Charlie C.L.; Zhang, Xiaoting

    2016-01-01

    Recent work has demonstrated that the interior material layout of a 3D model can be designed to make a fabricated replica satisfy application-specific demands on its physical properties, such as resistance to external loads. A widely used practice to fabricate such models is by layer-based additive...... techniques an objective function can be improved by adaptively subdividing the rhombic grid and thus adding more walls in cells. We demonstrate the effectiveness of our method for generating interior designs in the applications of improving mechanical stiffness and static stability....... manufacturing (AM), which however suffers from the problem of adding and removing interior supporting structures. In this paper, we present a novel method for generating application-specific infill structures on rhombic cells so that the resultant structures can automatically satisfy manufacturing requirements...

  19. 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...

  20. 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.

  1. 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.

  2. Job attitudes among workers with disabilities: The importance of family support in addition to organizational support.

    Science.gov (United States)

    Pérez, Vanesa; Alcover, Carlos-María; Chambel, Maria José

    2015-01-01

    In the case of workers with disabilities, family support is often essential to gain access to the labor market and achieve personal autonomy and financial independence, in addition to fostering job satisfaction and permanence in the organization. Moreover, the support offered by organizations is particularly valued by workers with disabilities, as the organizations that hire such people generally go to considerable lengths to ensure their adaptation and integration in the workplace, contributing to job satisfaction and permanence in the organization. The aim of this study is to investigate the relationships between organizational support and family support with job satisfaction and intention to quit the organization among workers with disabilities employed in ordinary firms. Our study surveyed 204 workers using a questionnaire, and we used Structural Equation Modeling (SEM) analyses to test these relationships. Our results show that organizational support is a significant explanatory factor in the levels of job satisfaction. Moreover, our results indicate that the participants perceived high levels of support from their families, facilitating the conciliation of work and family life. Our results have practical implications in order to improve full integration and normalization of workers with disabilities in ordinary jobs.

  3. Topology optimization for additive manufacturing with controllable support structure costs

    NARCIS (Netherlands)

    Langelaar, M.; Papadrakakis, M.; Papadopoulos, V.; Stefanou, G.; Plevris, V.

    2016-01-01

    Advances in additive manufacturing (AM) allow economical production of components with unprecedented geometric complexity. This offers exciting opportunities for innovative designs, and particularly topology optimization has been identified as a key technique to fully exploit the capabilities of AM.

  4. 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.

  5. A Public Opinion Survey on Correctional Education: Does Additional Information on Efficacy Lead to Additional Support?

    Science.gov (United States)

    Waterland, Keri Lynn

    2009-01-01

    Though much research has been done on the efficacy of correctional education on reducing recidivism rates for prison inmates, there is little research on the effect that information about the efficacy of correctional education has on public opinion. This study examined whether providing additional information regarding the efficacy of correctional…

  6. Best Practices for a University Laptop Lending Program

    Directory of Open Access Journals (Sweden)

    Pamela Buzzard

    2011-10-01

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

  7. Experienced discrimination in home mortgage lending

    DEFF Research Database (Denmark)

    Secchi, Davide; Seri, Raffaello

    2017-01-01

    This article proposes a framework for the analysis of experienced discrimination in home mortgages. It addresses the problem of home mortgage lending discrimination in one of the richest areas of northern Italy. Employees of a local hospital were interviewed to study their perception (or experience......) of discriminatory behavior related to home financing. The analysis follows two steps. The first evaluates self-selection (the probability that individuals apply) and the second focuses on the likelihood that applications are accepted by the bank. Findings show that discrimination is likely to appear when...... the applicant’s nationality is considered. In addition to its findings, the study (a) provides an original econometric model on a two-step procedure to test perceived discrimination and (b) suggests a method and approach that may constitute a point of reference for those willing to study perceived...

  8. 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...

  9. 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...

  10. 12 CFR 32.3 - Lending limits.

    Science.gov (United States)

    2010-01-01

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

  11. Additional Support Needs Policy in Scotland: Challenging or Reinforcing Social Inequality?

    Science.gov (United States)

    Riddell, Sheila; Weedon, Elisabet

    2016-01-01

    This paper focuses on Scottish policy on additional support needs and its material outcomes. The central question addressed is the extent to which the Scottish additional support needs system undermines or reinforces existing social and economic inequalities. Administrative data highlight the inflation of the additional support needs category,…

  12. Features of Intellectual Property Rights Lending

    Directory of Open Access Journals (Sweden)

    Olga Fedorovna Maslenkova

    2017-12-01

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

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

    Science.gov (United States)

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

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

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

    Science.gov (United States)

    Coleman, Nicholas; Feler, Leo

    2017-01-01

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

  15. 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...

  16. 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.

  17. 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

  18. 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

  19. 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

  20. 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...

  1. 76 FR 11319 - Truth in Lending

    Science.gov (United States)

    2011-03-02

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

  2. Humane Orientation and Corruption in Bank Lending

    OpenAIRE

    Siwapong Dheera-aumpon

    2017-01-01

    Corruption in bank lending can seriously adversely affect credit allocation. Besides banking factors, national culture can also affect the corruption of bank officials. Prior studies have shown that collectivism increases bank corruption. This paper aims to assess the effects of cultural dimensions, besides collectivism, on the corruption of bank officials. Instead of using Hofstede's cultural data, this paper uses the data from the GLOBE project which is more recent and reports more cultural...

  3. Self-supporting structure design in additive manufacturing through explicit topology optimization

    Science.gov (United States)

    Guo, Xu; Zhou, Jianhua; Zhang, Weisheng; Du, Zongliang; Liu, Chang; Liu, Ying

    2017-08-01

    One of the challenging issues in additive manufacturing (AM) oriented topology optimization is how to design structures that are self-supportive in a manufacture process without introducing additional supporting materials. In the present contribution, it is intended to resolve this problem under an explicit topology optimization framework where optimal structural topology can be found by optimizing a set of explicit geometry parameters. Two solution approaches established based on the Moving Morphable Components (MMC) and Moving Morphable Voids (MMV) frameworks, respectively, are proposed and some theoretical issues associated with AM oriented topology optimization are also analyzed. Numerical examples provided demonstrate the effectiveness of the proposed methods.

  4. Contact-Free Support Structures for Part Overhangs in Powder-Bed Metal Additive Manufacturing

    Directory of Open Access Journals (Sweden)

    Kenneth Cooper

    2017-12-01

    Full Text Available This study investigates the feasibility of a novel concept, contact-free support structures, for part overhangs in powder-bed metal additive manufacturing. The intent is to develop alternative support designs that require no or little post-processing, and yet, maintain effectiveness in minimizing overhang distortions. The idea is to build, simultaneously during part fabrications, a heat sink (called “heat support”, underneath an overhang to alter adverse thermal behaviors. Thermomechanical modeling and simulations using finite element analysis were applied to numerically research the heat support effect on overhang distortions. Experimentally, a powder-bed electron beam additive manufacturing system was utilized to fabricate heat support designs and examine their functions. The results prove the concept and demonstrate the effectiveness of contact-free heat supports. Moreover, the method was tested with different heat support parameters and applied to various overhang geometries. It is concluded that the heat support proposed has the potential to be implemented in industrial applications.

  5. 12 CFR 614.4360 - Lending and leasing limit violations.

    Science.gov (United States)

    2010-01-01

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

  6. 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...

  7. 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...

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

    Science.gov (United States)

    Rettig, Michael A.

    1998-01-01

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

  9. Additional Support for the Information Systems Analyst Exam as a Valid Program Assessment Tool

    Science.gov (United States)

    Carpenter, Donald A.; Snyder, Johnny; Slauson, Gayla Jo; Bridge, Morgan K.

    2011-01-01

    This paper presents a statistical analysis to support the notion that the Information Systems Analyst (ISA) exam can be used as a program assessment tool in addition to measuring student performance. It compares ISA exam scores earned by students in one particular Computer Information Systems program with scores earned by the same students on the…

  10. Teachers’ perceptions of students’ additional support needs : in the eye of the beholder?

    NARCIS (Netherlands)

    Bruggink, Marjon; Goei, Sui L.; Koot, Hans M.

    2016-01-01

    Nowadays, teachers are regarded as key players in the process of identifying and catering to students’ additional support needs within mainstream primary classrooms. However, teachers’ professional judgements regarding students with special needs have been found to be contextually influenced (e.g.

  11. Additive Manufacturing of Overhang Structures Using Moisture-Cured Silicone with Support Material

    Directory of Open Access Journals (Sweden)

    Mohan Muthusamy

    2018-04-01

    Full Text Available Additive manufacturing (AM of soft materials has a wide variety of applications, such as customized or wearable devices. Silicone is one popular material for these applications given its favorable material properties. However, AM of silicone parts with overhang structures remains challenging due to the soft nature of the material. Overhang structures are the areas where there is no underlying structure. Typically, a support material is used and built in the underlying space so that the overhang structures can be built upon it. Currently, there is no support structure that has been used for AM of silicone. The goal of this study is to develop an AM process to fabricate silicone parts with overhang structures. We first identified and confirmed poly-vinyl alcohol (PVA, a water-soluble material, as a suitable support material for silicone by evaluating the adhesion strength between silicone and PVA. Process parameters for the support material, including critical overhang angle and minimum infill density for the support material, are identified. However, overhang angle alone is not the only determining factor for support material. As silicone is a soft material, it deflects due to its own weight when the height of the overhang structure increases. A finite element model is developed to estimate the critical overhang height paired with different overhang angles to determine whether the use of support material is needed. Finally, parts with overhang structures are printed to demonstrate the capability of the developed process.

  12. Nurses in need of additional support: web sites offering information in eldercare nursing environments.

    Science.gov (United States)

    Matusitz, Jonathan; Breen, Gerald-Mark; Marathe, Shriram S; Wan, Thomas T H

    2010-01-01

    Studies have shown the usefulness of telemedicine and telecare in multiple settings. One form of telemedicine is e-health. Residents of nursing homes are a unique population that may significantly benefit from the e-health resources available to their caregivers. E-health Web sites appear to be viable, feasible, and timely interventional methods to provide the additional knowledge and support practitioners in these settings may need to provide preventative, reactive, and remedial care for frail residents.

  13. Intelligence is as intelligence does: can additional support needs replace disability?

    Science.gov (United States)

    Arnold, Samuel R C; Riches, Vivienne C; Stancliffe, Roger J

    2011-12-01

    Abstract In many developed cultures there is an assumption that IQ is intelligence. However, emerging theories of multiple intelligences, of emotional intelligence, as well as the application of IQ testing to other cultural groups, and to people with disability, raises many questions as to what IQ actually measures. Despite recent research that shows IQ testing produces a floor effect when applied to people with lower IQ, as well as research that shows the Flynn effect also applies to people with lower IQ, in practice IQ scores below a certain cut-off are still being used to determine and classify a person's intellectual disability. However, a new paradigm is emerging, almost returning to the original intent of Binet, where measurement is made of the supports the person needs. In this paper, we argue that if one extends the notions of this supports paradigm that diagnosis of intellectual or physical disability could potentially be replaced by diagnosis of additional intellectual support needs, or additional physical support needs.

  14. Antibacterial Additive for Polystyrene Based on Silver Nanoparticles Supported on Titanium Dioxide

    Directory of Open Access Journals (Sweden)

    Miguel A. Waldo-Mendoza

    2016-01-01

    Full Text Available Silver nanoparticles supported on titanium dioxide nanoparticles (Ag/TiO2 were incorporated and evaluated as antibacterial additive for polystyrene materials. These particles were synthesized using a deposition-precipitation method by adding silver nitrate as metallic precursor, sodium hydroxide as reducing agent, and commercial TiO2 (P25 as support. Rectangular pieces of polystyrene (PS containing 100, 300, 500, and 700 ppm (wt.% of the additive were made using an extrusion-injection molding process, and they were evaluated for their antibacterial properties against Escherichia coli using the Pour Plate method. Particles were distributed on the PS surface, and PS pieces presented a good antibacterial efficiency at 100, 300, and 500 ppm and decreased for 700 ppm due to an additive agglomeration on the PS surface. These results validate the antibacterial properties of Ag/TiO2, determine a concentration limit at which the additive is well distributed on the PS surface, and assess the importance of Ag in this system.

  15. Additional Interventions to Enhance the Effectiveness of Individual Placement and Support: A Rapid Evidence Assessment

    Directory of Open Access Journals (Sweden)

    Naomi Boycott

    2012-01-01

    Full Text Available Topic. Additional interventions used to enhance the effectiveness of individual placement and support (IPS. Aim. To establish whether additional interventions improve the vocational outcomes of IPS alone for people with severe mental illness. Method. A rapid evidence assessment of the literature was conducted for studies where behavioural or psychological interventions have been used to supplement standard IPS. Published and unpublished empirical studies of IPS with additional interventions were considered for inclusion. Conclusions. Six published studies were found which compared IPS alone to IPS plus a supplementary intervention. Of these, three used skills training and three used cognitive remediation. The contribution of each discrete intervention is difficult to establish. Some evidence suggests that work-related social skills and cognitive training are effective adjuncts, but this is an area where large RCTs are required to yield conclusive evidence.

  16. Effect of niobium addition in support catalysts applied in satellite propulsion

    Energy Technology Data Exchange (ETDEWEB)

    Soares, M.S., E-mail: marciosteinmetz@hotmail.com.br [Space Research National Institute, Combustion & Propulsion Associated Laboratory (Brazil); University of São Paulo, Lorena Engineering School, Materials Engineering Dept. (Brazil); Barbosa, R.D. [Space Research National Institute, Combustion & Propulsion Associated Laboratory (Brazil); University of São Paulo, Lorena Engineering School, Chemical Engineering Dept. (Brazil); Cruz, G.M. da; Rodrigues, J.A.J. [Space Research National Institute, Combustion & Propulsion Associated Laboratory (Brazil); Ribeiro, S. [University of São Paulo, Lorena Engineering School, Materials Engineering Dept. (Brazil)

    2017-03-01

    Catalysts composed of iridium as the active phase dispersed in aluminum oxide (Ir/Al{sub 2}O{sub 3}) are used in propulsion systems that employ hydrazine as monopropellant in the control of satellite orbit and attitude. The aluminum oxide (Al{sub 2}O{sub 3}) utilized as support must present high values of specific surface area, pore volume, and crush strength. The niobium effect was evaluated in this work, in its oxide form (Nb{sub 2}O{sub 5}), by 3 different methods: with the employment of a NbCl{sub 5} precursor solution, by wet impregnation and dry impregnation of an alumina obtained from a mixture of gibbsite and boehmite and by physical mixing of gibbsite and hydrated niobium oxide, both autoclaved separately. Aluminum oxides were prepared in both cases containing Nb{sub 2}O{sub 5} contents of 10, 20, and 30% w/w. The acid impregnating NbCl{sub 5} solution in the wet impregnation method caused a strong attack to the Al{sub 2}O{sub 3} support, altering and compromising its initial structure and morphology. This process did not occur in the supports prepared by dry impregnation. However, results indicated that the use of this methodology with Nb{sub 2}O{sub 5} contents of 20% and 30%, caused an extensive coverage of the support by Nb{sub 2}O{sub 5}, modifying the nature and amount of alumina sites responsible for anchorage of the iridium precursor. In the case of supports prepared through physical mixture (Nb{sub 2}O{sub 5}-Al{sub 2}O{sub 3}) from aluminum hydroxide and niobium acid precursor compounds, with both being previously autoclaved separately, the 20% and 30% Nb{sub 2}O{sub 5} contents presented the most promising properties, since the binder effect caused by amorphous Nb{sub 2}O{sub 5} increased the crush strength of the support, without compromising the aluminum oxide morphology and texture. Despite of existence of stronger acid sites due to the addition of niobium oxide to aluminum oxide, no increase in the acidity of the materials was observed due

  17. Decision Support System to Choose Digital Single Lens Camera with Simple Additive Weighting Method

    Directory of Open Access Journals (Sweden)

    Tri Pina Putri

    2016-11-01

    Full Text Available One of the technologies that evolve today is Digital Single Lens Reflex (DSLR camera. The number of products makes users have difficulties to choose the appropriate camera based on their criteria. Users may utilize several ways to help them choosing the intended camera such as using magazine, internet, and other media. This paper discusses about a web based decision support system to choose cameras by using SAW (Simple Additive Weighting method in order to make the decision process more effective and efficient. This system is expected to give recommendations about the camera which is appropriate with the user’s need and criteria based on the cost, the resolution, the feature, the ISO, and the censor. The system was implemented by using PHP and MySQL. Based on the result of questionnaire distributed to 20 respondents, 60% respondents agree that this decision support system can help users to choose the appropriate camera DSLR in accordance with the user’s need, 60% of respondents agree that this decision support system is more effective to choose DSLR camera and 75% of respondents agree that this system is more efficient. In addition, 60.55% of respondents agree that this system has met 5 Es Usability Framework.

  18. Study of Supported Nickel Catalysts Prepared by Aqueous Hydrazine Method. Hydrogenating Properties and Hydrogen Storage: Support Effect. Silver Additive Effect

    International Nuclear Information System (INIS)

    Wojcieszak, R.

    2006-06-01

    We have studied Ni or NiAg nano-particles obtained by the reduction of nickel salts (acetate or nitrate) by hydrazine and deposited by simple or EDTA-double impregnation on various supports (γ-Al 2 O 3 , amorphous or crystallized SiO 2 , Nb 2 O 5 , CeO 2 and carbon). Prepared catalysts were characterized by different methods (XRD, XPS, low temperature adsorption and desorption of N 2 , FTIR and FTIR-Pyridine, TEM, STEM, EDS, H 2 -TPR, H 2 -adsorption, H 2 -TPD, isopropanol decomposition) and tested in the gas phase hydrogenation of benzene or as carbon materials in the hydrogen storage at room temperature and high pressure. The catalysts prepared exhibited better dispersion and activity than classical catalysts. TOF's of NiAg/SiO 2 or Ni/carbon catalysts were similar to Pt catalysts in benzene hydrogenation. Differences in support acidity or preparation method and presence of Ag as metal additive play a crucial role in the chemical reduction of Ni by hydrazine and in the final properties of the materials. Ni/carbon catalysts could store significant amounts of hydrogen at room temperature and high pressure (0.53%/30 bars), probably through the hydrogen spillover effect. (author)

  19. Supporting renewable energy on liberalised markets: green electricity between additionality and consumer sovereignty

    International Nuclear Information System (INIS)

    Menges, Roland

    2003-01-01

    The German feed-in regulation has been perhaps the most effective promotional policy for green electricity. However, with the growing momentum of the liberalisation process the current regulation is challenged by structural problems about how to address the demand side. Price regulation lefts only little room for private green electricity market activities. Moreover, the success of the feed-in regulation depends on a strict differentiation of the political segment and the emerging green electricity markets. The question, therefore, is about the role green electricity markets can (or should) perform in general. In order to evaluate green electricity markets the additionality criteria is frequently used, implying that markets are only desirable if they lead to additional environmental effects. The additionality criteria has two implications: First, transformed into individual behaviour, additionality implies that consumers are assumed to act as pure altruists. However, there is evidence from empirical studies that green electricity consumers behave more as impure altruists: they are not so much interested in the objective environmental impact of their behaviour but more objected to receive a private satisfaction from buying an environmental friendly product. Whereas theoretical models in the case of pure altruism suggest that private activities crowd out totally when policy becomes active in supporting the public good, this crowding out disappears in the case of impure altruism. Second, using end-state criteria such as the additionality principle as pre-condition, and neglecting process criteria such as consumer sovereignty, means to prevent establishing competitive market process right at the outset in principle

  20. Supporting renewable energy on liberalised markets: green electricity between additionally and consumer sovereignty

    International Nuclear Information System (INIS)

    Menges, R.

    2003-01-01

    The German feed-in regulation has been perhaps the most effective promotional policy for green electricity. However, with the growing momentum of the liberalisation process the current regulation is challenged by structural problems about how to address the demand side. Price regulation leaves little room for private green electricity market activities. Moreover, the success of the feed-in regulation depends on a strict differentiation of the political segment and the emerging green electricity markets. The question, therefore, is about the role green electricity markets can (or should) perform in general. In order to evaluate green electricity markets the additionality criteria is frequently used, implying that markets are only desirable if they lead to additional environmental effects. The additionality criteria has two implications: First, transformed into individual behaviour, additionality implies that consumers are assumed to act as pure altruists. However, there is evidence from empirical studies that green electricity consumers behave more as impure altruists: they are not so much interested in the objective environmental impact of their behaviour but more objected to receive a private satisfaction from buying an environmental friendly product. Whereas theoretical models in the case of pure altruism suggest that private activities crowd out totally when policy becomes active in supporting the public good, this crowding out disappears in the case of impure altruism. Second, using end-state criteria such as the additionality principle as precondition, and neglecting process criteria such as consumer sovereignty, means to prevent establishing competitive market process right at the outset in principle. (author)

  1. Supportive therapy in IBD: what additional diagnoses and conditions must be treated?

    Science.gov (United States)

    Swoger, Jason M; Binion, David G

    2010-01-01

    Despite advances in our understanding of inflammatory bowel disease (IBD) pathogenesis and increased ability to treat patients with severe and refractory disease, patients continue to suffer from disease complications, and increasing numbers of both Crohn's disease (CD) and ulcerative colitis (UC) patients are admitted annually in the USA. The rapid evolution in IBD medications and treatment paradigms has contributed to a disparity in clinical care which may vary between expert centers routinely treating large numbers of IBD patients and hospitals with low annual IBD admissions. High-volume centers handling in excess of 150 IBD annual admissions have improved operative and inpatient outcomes compared with hospitals caring for IBD patients less frequently. Although the precise reason for this disparity in clinical outcomes is not known, we hypothesize that expert centers provide superior IBD supportive therapy. This supportive care includes additional diagnostic and therapeutic approaches to help patients achieve optimal outcomes. We review information regarding disparities in the quality of IBD clinical care then focus on supportive therapy for IBD patients, including diagnostic approaches to identify confounding factors contributing to poor IBD outcome, supportive therapeutic approaches to optimize the outcome in hospitalized IBD patients, and future directions exploring brain-body interaction in the treatment of pain, stress and sleep deprivation in patients suffering from IBD. Copyright © 2010 S. Karger AG, Basel.

  2. 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.

  3. Monetary Expansion and the Banking Lending Channel.

    Directory of Open Access Journals (Sweden)

    Benjamin Miranda Tabak

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

  4. 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.

  5. 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...

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

    Directory of Open Access Journals (Sweden)

    VIORICA MIRELA STEFAN-DUICU

    2011-04-01

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

  7. The effectiveness of Additional Literacy Support (ALS) in Years 3 and 4.

    Science.gov (United States)

    Bunn, Tim

    2008-08-01

    This study compared the progress in reading and spelling of 256 children in 11 classes in 9 English primary schools in Years 3 and 4, and a partially overlapping sample of 126 children who received additional help with literacy during 1 year. Teachers and teaching assistants used either Additional Literacy Support (ALS), a highly structured set of small group teaching materials devised by the English National Literacy Strategy, or a wide variety of other materials including other published intervention programmes, reading scheme-based, computer-based and individually designed interventions, or a combination of ALS and other interventions. The influence of a broad range of contextual factors were investigated, especially whether children's qualities, school factors such as socio-economic status and class size, and delivery differences made significant differences to the outcomes of the different interventions. The study used a naturalistic quasi-experimental design, in which teachers were asked to record details of their children and interventions without altering their professional decisions, which has not been used before in investigating literacy difficulties in context. ALS was marginally more effective than other interventions in the majority of classes, but was clearly superior in value for money terms. Children's qualities did not appear to affect outcomes. Although children receiving additional help made better than average progress, overall catch-up was limited, especially in spelling. Copyright 2008 John Wiley & Sons, Ltd.

  8. Additional safety assessment of common means or support of the Marcoule centre

    International Nuclear Information System (INIS)

    2012-01-01

    This report first presents some characteristics of the Marcoule centre: location and environment, base nuclear installations and other installations, technical installations and installations classified for protection of the environment which could affect the safety of nearby installations, demographic and industrial environment and risks generated for the site's installations, general description of crisis management means. The second part addresses situations to be considered, functional needs related to additional safety assessments, needs in terms of support functions, and critical structures and equipment. The next parts address the seismic risk (structure and equipment sizing, margin assessment, flooding due to an earthquake, loss of electric supply due to an earthquake), the flooding risk (flooding sources, main alarm measures, structure and equipment sizing and availability for crisis management during a flooding from different origins), other extreme phenomena (lightning, hail, wind, external fire), the loss of electric supplies and the loss of cooling systems, the organisation of accident management, and subcontracting practices

  9. 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,

  10. 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.

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

    NARCIS (Netherlands)

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

    2011-01-01

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

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

    African Journals Online (AJOL)

    Mofasony

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

  13. 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.

  14. State lends support for industrial parks / Ella Karapetyan

    Index Scriptorium Estoniae

    Karapetyan, Ella

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Aharonov Yakir

    2013-09-01

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

  16. 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.

  17. 12 CFR 614.4351 - Computation of lending and leasing limit base.

    Science.gov (United States)

    2010-01-01

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

  18. 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.

  19. 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...

  20. 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...

  1. 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.

  2. 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...

  3. The risk management in bank lending technology corporations

    Directory of Open Access Journals (Sweden)

    Kasimova Liana Irikovna

    2015-06-01

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

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

    OpenAIRE

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

    2014-01-01

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

  5. The biobehavioral family model: testing social support as an additional exogenous variable.

    Science.gov (United States)

    Woods, Sarah B; Priest, Jacob B; Roush, Tara

    2014-12-01

    This study tests the inclusion of social support as a distinct exogenous variable in the Biobehavioral Family Model (BBFM). The BBFM is a biopsychosocial approach to health that proposes that biobehavioral reactivity (anxiety and depression) mediates the relationship between family emotional climate and disease activity. Data for this study included married, English-speaking adult participants (n = 1,321; 55% female; M age = 45.2 years) from the National Comorbidity Survey Replication, a nationally representative epidemiological study of the frequency of mental disorders in the United States. Participants reported their demographics, marital functioning, social support from friends and relatives, anxiety and depression (biobehavioral reactivity), number of chronic health conditions, and number of prescription medications. Confirmatory factor analyses supported the items used in the measures of negative marital interactions, social support, and biobehavioral reactivity, as well as the use of negative marital interactions, friends' social support, and relatives' social support as distinct factors in the model. Structural equation modeling indicated a good fit of the data to the hypothesized model (χ(2)  = 846.04, p = .000, SRMR = .039, CFI = .924, TLI = .914, RMSEA = .043). Negative marital interactions predicted biobehavioral reactivity (β = .38, p social support, inversely (β = -.16, p social support as a predicting factor in the model. © 2014 Family Process Institute.

  6. The work of the European Union Reference Laboratory for Food Additives (EURL) and its support for the authorisation process of feed additives in the European Union: a review

    Science.gov (United States)

    von Holst, Christoph; Robouch, Piotr; Bellorini, Stefano; de la Huebra, María José González; Ezerskis, Zigmas

    2016-01-01

    ABSTRACT This paper describes the operation of the European Union Reference Laboratory for Feed Additives (EURL) and its role in the authorisation procedure of feed additives in the European Union. Feed additives are authorised according to Regulation (EC) No. 1831/2003, which introduced a completely revised authorisation procedure and also established the EURL. The regulations authorising feed additives contain conditions of use such as legal limits of the feed additives, which require the availability of a suitable method of analysis for official control purposes under real world conditions. It is the task of the EURL to evaluate the suitability of analytical methods as proposed by the industry for this purpose. Moreover, the paper shows that one of the major challenges is the huge variety of the methodology applied in feed additive analysis, thus requiring expertise in quite different analytical areas. In order to cope with this challenge, the EURL is supported by a network of national reference laboratories (NRLs) and only the merged knowledge of all NRLs allows for a scientifically sound assessment of the analytical methods. PMID:26540604

  7. Bending Moment Decrease of Reinforced Concrete Beam Supported by Additional CFRP

    Directory of Open Access Journals (Sweden)

    Mykolas Daugevičius

    2011-04-01

    Full Text Available The calculation method of reinforced concrete beam with additional CFRP composite is proposed in this article. This method estimates tangential angular concrete deformations in tensioned beam layers between steel and bonded carbon fiber reinforced polymer. The horizontal slip of CFRP composite reduce beam bending moment capacity. An additional coefficient to reduce CFRP resultant force is necessary for better precision of bending moment capacity. Also, various calculation methods of bending moment capacity are considered. Article in Lithuanian

  8. 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.

  9. 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.

  10. Combined optimization of part topology, support structure layout and build orientation for additive manufacturing

    NARCIS (Netherlands)

    Langelaar, M.

    2018-01-01

    Additive manufacturing (AM) enables the fabrication of parts of unprecedented complexity. Dedicated topology optimization approaches, that account for specific AM restrictions, are instrumental in fully exploiting this capability. In popular powder-bed-based AM processes, the critical overhang

  11. Determinants of Default in P2P Lending

    Science.gov (United States)

    2015-01-01

    This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans’ data collected from Lending Club (N = 24,449) from 2008 to 2014 that are first analyzed by using univariate means tests and survival analysis. Factors explaining default are loan purpose, annual income, current housing situation, credit history and indebtedness. Secondly, a logistic regression model is developed to predict defaults. The grade assigned by the P2P lending site is the most predictive factor of default, but the accuracy of the model is improved by adding other information, especially the borrower’s debt level. PMID:26425854

  12. Responsible Lending in Banks of the Baltic States

    Directory of Open Access Journals (Sweden)

    Jana Erina

    2013-12-01

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

  13. 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.

  14. 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.

  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.

    2016-01-01

    In this article, we describe how residential segregation and individual racial disparities generate racialized patterns of subprime lending and lead to financial loss among black borrowers in segregated cities. We conceptualize race as a cumulative disadvantage because of its direct and indirect effects on socioeconomic status at the individual and neighborhood levels, with consequences that reverberate across a borrower's life and between generations. Using Baltimore, Maryland as a case study setting, we combine data from reports filed under the Home Mortgage Disclosure Act with additional loan-level data from mortgage-backed securities. We find that race and neighborhood racial segregation are critical factors explaining black disadvantage across successive stages in the process of lending and foreclosure, controlling for differences in borrower credit scores, income, occupancy status, and loan-to-value ratios. We analyze the cumulative cost of predatory lending to black borrowers in terms of reduced disposable income and lost wealth. We find the cost to be substantial. Black borrowers paid an estimated additional 5 to 11 percent in monthly payments and those that completed foreclosure in the sample lost an excess of $2 million in home equity. These costs were magnified in mostly black neighborhoods and in turn heavily concentrated in communities of color. By elucidating the mechanisms that link black segregation to discrimination we demonstrate how processes of cumulative disadvantage continue to undermine black socioeconomic status in the United States today. PMID:27478254

  16. 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.

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

    Directory of Open Access Journals (Sweden)

    Kazumine Kondo

    2015-12-01

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

  18. On US politics and IMF lending

    DEFF Research Database (Denmark)

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

    2006-01-01

    countries make. A political concession is defined as the distance between a country's bliss point and its actual policy stance measured relative to the US. We introduce a bliss-point proxy and demonstrate that our hypothesis is strongly supported in the data. Moreover, we show that not accounting for bliss...... points may lead to endogeneity bias in empirical work....

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

    Science.gov (United States)

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

    2012-01-01

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

  20. 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.

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

    Science.gov (United States)

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

    2006-12-01

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

  2. Decision support system of e-book provider selection for library using Simple Additive Weighting

    Science.gov (United States)

    Ciptayani, P. I.; Dewi, K. C.

    2018-01-01

    Each library has its own criteria and differences in the importance of each criterion in choosing an e-book provider for them. The large number of providers and the different importance levels of each criterion make the problem of determining the e-book provider to be complex and take a considerable time in decision making. The aim of this study was to implement Decision support system (DSS) to assist the library in selecting the best e-book provider based on their preferences. The way of DSS works is by comparing the importance of each criterion and the condition of each alternative decision. SAW is one of DSS method that is quite simple, fast and widely used. This study used 9 criteria and 18 provider to demonstrate how SAW work in this study. With the DSS, then the decision-making time can be shortened and the calculation results can be more accurate than manual calculations.

  3. Effects of the addition of functional electrical stimulation to ground level gait training with body weight support after chronic stroke.

    Science.gov (United States)

    Prado-Medeiros, Christiane L; Sousa, Catarina O; Souza, Andréa S; Soares, Márcio R; Barela, Ana M F; Salvini, Tania F

    2011-01-01

    The addition of functional electrical stimulation (FES) to treadmill gait training with partial body weight support (BWS) has been proposed as a strategy to facilitate gait training in people with hemiparesis. However, there is a lack of studies that evaluate the effectiveness of FES addition on ground level gait training with BWS, which is the most common locomotion surface. To investigate the additional effects of commum peroneal nerve FES combined with gait training and BWS on ground level, on spatial-temporal gait parameters, segmental angles, and motor function. Twelve people with chronic hemiparesis participated in the study. An A1-B-A2 design was applied. A1 and A2 corresponded to ground level gait training using BWS, and B corresponded to the same training with the addition of FES. The assessments were performed using the Modified Ashworth Scale (MAS), Functional Ambulation Category (FAC), Rivermead Motor Assessment (RMA), and filming. The kinematics analyzed variables were mean walking speed of locomotion; step length; stride length, speed and duration; initial and final double support duration; single-limb support duration; swing period; range of motion (ROM), maximum and minimum angles of foot, leg, thigh, and trunk segments. There were not changes between phases for the functional assessment of RMA, for the spatial-temporal gait variables and segmental angles, no changes were observed after the addition of FES. The use of FES on ground level gait training with BWS did not provide additional benefits for all assessed parameters.

  4. Commercial Satellite Data as a Support to the Additional Protocol Declarations

    International Nuclear Information System (INIS)

    Isaksson, Stig; Dahlin, Goeran; Joensson, Camilla

    2003-05-01

    The overall objective of the project is to show how commercial satellite data can be used for safeguard purposes both at the Swedish Nuclear Power Inspectorate, SKI and IAEA. Furthermore the experiences from this project can support IAEA in its process to develop methods and routines to make the best use of the Member State provided information in combination with satellite images. Finally it will give IAEA a relevant case study of the usefulness of satellite data for change detection purposes. This project shall provide SKI with digitised maps and commercial satellite data to verify the descriptions provided by two Swedish nuclear operators. Furthermore those digital data may be included in the declaration given to IAEA. The long-term aim is to enhance the quality of the Swedish declaration as well as to give the IAEA support as regards methods to use commercial satellite data. The project has provided SKI with digitised vector maps and optical satellite data over two selected nuclear sites. Furthermore these data will help to verify the descriptions that those two Swedish nuclear operators will give to SKI. The selected sites in this project are: Simpevarp with the three Oskarshamn nuclear power reactors, CLAB (the Central Interim Storage Facility for Spent Nuclear Fuel) and Aespoe laboratory. The area has been chosen since it contains nuclear power reactors, as well as storage facilities for used nuclear fuels and an underground research laboratory. For the Simpevarp site historical data has also been included to illustrate changes that have occurred since the first reactor O1 came in to use; and Studsvik with the materials testing reactor 'R2', a number of other types of nuclear technical activities and other non-nuclear related activities. The site has been chosen for its complexity

  5. 76 FR 35723 - Truth in Lending

    Science.gov (United States)

    2011-06-20

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

  6. 76 FR 18354 - Truth in Lending

    Science.gov (United States)

    2011-04-04

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

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

    Directory of Open Access Journals (Sweden)

    Richard C. K. Burdekin

    2011-01-01

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

  9. DECISION SUPPORT SYSTEM PENILAIAN KINERJA KARYAWAN PADA PERUSAHAAN MENGGUNAKAN METODE SIMPLE ADDITIVE WEIGHTING

    Directory of Open Access Journals (Sweden)

    Satria Abadi

    2017-05-01

    Full Text Available Penilaian terhadap suatu pekerjaan dalam sebuah perusahaan merupakan suatu tahap evaluasi kerja yang dapat meningkatkan kualitas pekerjaan bagi kelangsungan aktivitas perusahaan didalamnya. Pekerjaan yang di inginkanoleh perusahaan terhadap para pekerja memiliki standart mutu untuk mengukur kebrhasilan kerja.Penilaian ini menggunakan metode Simple Additive Weighting (SAW dalam sistem pendukung keputusan. Penilaian kinerja karyawan pada perusahaan didasari oleh beberapa kriteria yang telah ditetapkan, diantaranya kedisiplinan, kebersihan, kejujuran, komunikasi, kerjasama, dan tanggungjawab. Hasil dari penelitian ini berbentuk sebuah sistem pendukung keputusan yang dapat mengolah data pemilihan karyawan berprestasi menjadi sebuah pertimbangan yang valid. Berdasarkan hail dari penelitian yang telah dilakukan maka dapat disimpulkan bahwa alternatif A2 (Joni merupakan karyawan berkinerja terbaik.Dari hasil penelitian tersebut diharapkan pengambil keputusan menjadi terbantu dalam menentukan karyawan mana yang berpretasi dalam suatu perusahaan atau instansi.

  10. Sign-Supported English: Is It Effective at Teaching Vocabulary to Young Children with English as an Additional Language?

    Science.gov (United States)

    Marshall, Chloë R.; Hobsbaum, Angela

    2015-01-01

    Background: Children who are learning English as an Additional Language (EAL) may start school with smaller vocabularies than their monolingual peers. Given the links between vocabulary and academic achievement, it is important to evaluate interventions that are designed to support vocabulary learning in this group of children. Aims: To evaluate…

  11. The effect of potassium addition to Pt supported on YSZ on steam reforming of mixtures of methane and ethane

    NARCIS (Netherlands)

    Graf, P.O.; Mojet, Barbara; Lefferts, Leonardus

    2009-01-01

    The influence of potassium addition on Pt supported on yttrium-stabilized zirconia (YSZ) was studied with FT-IR CO adsorption and CO-FT-IR-TPD, in order to understand the effect of potassium on the performance of the catalyst in reforming of mixtures of methane and ethane. Potassium modification of

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

    Directory of Open Access Journals (Sweden)

    Tony Takeda

    2005-03-01

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

  13. Young infants' visual fixation patterns in addition and subtraction tasks support an object tracking account.

    Science.gov (United States)

    Bremner, J Gavin; Slater, Alan M; Hayes, Rachel A; Mason, Uschi C; Murphy, Caroline; Spring, Jo; Draper, Lucinda; Gaskell, David; Johnson, Scott P

    2017-10-01

    Investigating infants' numerical ability is crucial to identifying the developmental origins of numeracy. Wynn (1992) claimed that 5-month-old infants understand addition and subtraction as indicated by longer looking at outcomes that violate numerical operations (i.e., 1+1=1 and 2-1=2). However, Wynn's claim was contentious, with others suggesting that her results might reflect a familiarity preference for the initial array or that they could be explained in terms of object tracking. To cast light on this controversy, Wynn's conditions were replicated with conventional looking time supplemented with eye-tracker data. In the incorrect outcome of 2 in a subtraction event (2-1=2), infants looked selectively at the incorrectly present object, a finding that is not predicted by an initial array preference account or a symbolic numerical account but that is consistent with a perceptual object tracking account. It appears that young infants can track at least one object over occlusion, and this may form the precursor of numerical ability. Copyright © 2017 The Author(s). Published by Elsevier Inc. All rights reserved.

  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. Management control of credit risk in the bank lending process

    NARCIS (Netherlands)

    Scheffer, S.B.

    2004-01-01

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

  16. US politics and World Bank IDA-lending

    DEFF Research Database (Denmark)

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

    2006-01-01

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

  17. 77 FR 66748 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2012-11-07

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

  18. 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...

  19. 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] ...

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

    NARCIS (Netherlands)

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

    2011-01-01

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

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

    Energy Technology Data Exchange (ETDEWEB)

    2014-08-01

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

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

    African Journals Online (AJOL)

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

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

    African Journals Online (AJOL)

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

  4. 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

  5. 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

  6. 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.

  7. 75 FR 58505 - Regulation Z; Truth in Lending

    Science.gov (United States)

    2010-09-24

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

  8. REGIONAL FEATURES OF THE GLOBAL MARKET OF SYNDICATED LENDING

    Directory of Open Access Journals (Sweden)

    Nazar Moroz

    2016-11-01

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

  9. Indirect additive manufacturing as an elegant tool for the production of self-supporting low density gelatin scaffolds.

    Science.gov (United States)

    Van Hoorick, Jasper; Declercq, Heidi; De Muynck, Amelie; Houben, Annemie; Van Hoorebeke, Luc; Cornelissen, Ria; Van Erps, Jürgen; Thienpont, Hugo; Dubruel, Peter; Van Vlierberghe, Sandra

    2015-10-01

    The present work describes for the first time the production of self-supporting low gelatin density (fused deposition modelling approach. To realize this, we have printed a sacrificial polyester scaffold which supported the hydrogel material during UV crosslinking, thereby preventing hydrogel structure collapse. After complete curing, the polyester scaffold was selectively dissolved leaving behind a porous, interconnective low density gelatin scaffold. Scaffold structural analysis indicated the success of the selected indirect additive manufacturing approach. Physico-chemical testing revealed scaffold properties (mechanical, degradation, swelling) to depend on the applied gelatin concentration and methacrylamide content. Preliminary biocompatibility studies revealed the cell-interactive and biocompatible properties of the materials developed.

  10. 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.

  11. Identification of a common language describing paediatric physiotherapy practice for children with additional support needs, to support communication with those outside the physiotherapy profession.

    Science.gov (United States)

    Hunter, Cathleen; Maciver, Donald; Howden, Stella; Forsyth, Kirsty; Adamson, Amanda; Bremner, Lynne

    2013-03-01

    Children with additional support needs (ASNs) often require physiotherapy intervention to help maximise their participation within the primary school setting. The aim of this research was to investigate paediatric physiotherapy practice in supporting primary school aged children with ASNs, in order to identify a language to describe this, which could be used to support communication with teachers, parents and others outside the profession. Using a qualitative research multiple methods design, 2 focus groups and 5 structured interviews were held to investigate physiotherapy practice for this group. Senior paediatric physiotherapists (n=13) from a range of specialities, with experience of supporting primary school aged children with ASNs. Focus groups and interviews were digitally recorded, transcribed verbatim and analysed to establish links and patterns: followed by a cyclical process of respondent validation, and expert review. Eight targets for physiotherapy intervention and twelve technique headings were synthesised from the data. The language used for labelling and description of these was aimed to be easily understood by colleagues outside the profession. The findings clearly identified the role of the paediatric physiotherapist as being to support primary school aged children with ASNs to acquire aspects of postural control, mobility and cardio-respiratory function. By grouping the data into eight areas of challenge as the focus of intervention, and twelve commonly used techniques, the researchers generated a language which can be used by paediatric physiotherapists to support communication with teachers, parents and others outside the profession, when describing their intent and interactions regarding these children. Copyright © 2012 Chartered Society of Physiotherapy. Published by Elsevier Ltd. All rights reserved.

  12. Models of sequential decision making in consumer lending

    Directory of Open Access Journals (Sweden)

    Kanshukan Rajaratnam

    2016-11-01

    Full Text Available Abstract In this paper, we introduce models of sequential decision making in consumer lending. From the definition of adverse selection in static lending models, we show that homogenous borrowers take-up offers at different instances of time when faced with a sequence of loan offers. We postulate that bounded rationality and diverse decision heuristics used by consumers drive the decisions they make about credit offers. Under that postulate, we show how observation of early decisions in a sequence can be informative about later decisions and can, when coupled with a type of adverse selection, also inform credit risk. We show through two examples how lenders may use such information in setting their offer rates.

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

    OpenAIRE

    Chiesa, Gabriella

    2000-01-01

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

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

    OpenAIRE

    Chris Stewart; Benn Robertson; Alexandra Heath

    2013-01-01

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

  15. 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...

  16. Additivity of kinetic and potential energy contributions in modification of graphene supported on SiO2

    Science.gov (United States)

    Zhang, Xitong; Zhao, Shijun; Wang, Yuyu; Xue, Jianming

    2017-04-01

    The damage production induced by MeV highly charged ions (HCI) irradiations in graphene supported on a SiO2 substrate is investigated using molecular dynamics method. We get results in agreement with our recent experiments. We find that the electronic energy loss and potential energy deposition have similar effects on the defects creation in SiO2 substrate-supported graphene and both mechanisms of energy deposition seem to contribute in an additive way. The influences of the energy deposition depth and radius are studied. Only the energy deposited below the surface within 2.5 nm will induce the damage in graphene. Hence, the HCI can be a powerful tool to induce defects in graphene without causing deep damage of the substrate. When charge of incident Xeq+ is above 30, a nanopore is formed and the size of nanopore in graphene can be controlled by changing the incident charge state.

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

    NARCIS (Netherlands)

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

    2006-01-01

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

  18. 12 CFR 560.100 - Real estate lending standards; purpose and scope.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

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

    2012-01-01

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

  20. Additive survival least square support vector machines: A simulation study and its application to cervical cancer prediction

    Science.gov (United States)

    Khotimah, Chusnul; Purnami, Santi Wulan; Prastyo, Dedy Dwi; Chosuvivatwong, Virasakdi; Sriplung, Hutcha

    2017-11-01

    Support Vector Machines (SVMs) has been widely applied for prediction in many fields. Recently, SVM is also developed for survival analysis. In this study, Additive Survival Least Square SVM (A-SURLSSVM) approach is used to analyze cervical cancer dataset and its performance is compared with the Cox model as a benchmark. The comparison is evaluated based on the prognostic index produced: concordance index (c-index), log rank, and hazard ratio. The higher prognostic index represents the better performance of the corresponding methods. This work also applied feature selection to choose important features using backward elimination technique based on the c-index criterion. The cervical cancer dataset consists of 172 patients. The empirical results show that nine out of the twelve features: age at marriage, age of first getting menstruation, age, parity, type of treatment, history of family planning, stadium, long-time of menstruation, and anemia status are selected as relevant features that affect the survival time of cervical cancer patients. In addition, the performance of the proposed method is evaluated through a simulation study with the different number of features and censoring percentages. Two out of three performance measures (c-index and hazard ratio) obtained from A-SURLSSVM consistently yield better results than the ones obtained from Cox model when it is applied on both simulated and cervical cancer data. Moreover, the simulation study showed that A-SURLSSVM performs better when the percentage of censoring data is small.

  1. Sign-Supported English: is it effective at teaching vocabulary to young children with English as an Additional Language?

    Science.gov (United States)

    Marshall, Chloë R; Hobsbaum, Angela

    2015-01-01

    Children who are learning English as an Additional Language (EAL) may start school with smaller vocabularies than their monolingual peers. Given the links between vocabulary and academic achievement, it is important to evaluate interventions that are designed to support vocabulary learning in this group of children. To evaluate an intervention, namely Sign-Supported English (SSE), which uses conventionalized manual gestures alongside spoken words to support the learning of English vocabulary by children with EAL. Specifically, the paper investigates whether SSE has a positive impact on Reception class children's vocabulary development over and above English-only input, as measured over a 6-month period. A total of 104 children aged 4-5 years were recruited from two neighbouring schools in a borough of Outer London. A subset of 66 had EAL. In one school, the teachers used SSE, and in the other school they did not. Pupils in each school were tested at two time points (the beginning of terms 1 and 3) using three different assessments of vocabulary. Classroom-based observations of the teachers' and pupils' manual communication were also carried out. Results of the vocabulary assessments revealed that using SSE had no effect on how well children with EAL learnt English vocabulary: EAL pupils from the SSE school did not learn more words than EAL pupils at the comparison school. SSE was used in almost half of the teachers' observations in the SSE school, while spontaneous gestures were used with similar frequency by teachers in the comparison school. There are alternative explanations for the results. The first is that the use of signs alongside spoken English does not help EAL children of this age to learn words. Alternatively, SSE does have an effect, but we were unable to detect it because (1) teachers in the comparison school used very rich natural gesture and/or (2) teachers in the SSE school did not know enough BSL and this inhibited their use of spontaneous gesture

  2. Colombian Children With Overweight and Obesity Need Additional Motivational Support at School to Perform Health-Enhancing Physical Activity.

    Science.gov (United States)

    Olaya Contreras, Patricia; Bastidas, Myriam; Arvidsson, Daniel

    2015-05-01

    The aim of this study is to investigate associations of screen-time and physical activity (PA) with self-efficacy for PA, intrinsic motivation to PA and health-related quality of life (HRQoL) in Colombian schoolchildren from socioeconomically disadvantaged neighborhoods, and to compare these variables among children with normal-weight (NW), overweight (OW) and obesity (OB). In 678 schoolchildren (age 10-14 years) screen-time (TV, video games, computer) and number of days being physically active ≥ 60 minutes were self-reported. Multi-item scales were used to assess self-efficacy to PA and intrinsic motivation to PA. The KIDSCREEN-27 was used to assess HRQoL. Screen-time was associated with HRQoL in the school/learning environment dimension. Number of days being physically active was associated with self-efficacy for PA, intrinsic motivation for PA and with HRQoL concerning physical well-being, autonomy/parent relation and social support/peers. Group differences were found for days being physically active (OW = 2.8 and OB = 2.7 vs. NW = 3.3) but not for screen-time (NW = 5.0, OW = 4.7 and OB = 5.7 hrs·d-1). OW and OB scored lower on intrinsic motivation to PA than NW (OW = 19.2 and OB = 17.9 versus NW = 20.1). All 3 groups differed in physical well-being scores (NW = 50.3, OW = 48.1, OB = 40.6, P obesity from socioeconomically disadvantaged neighborhoods need additional motivational support to perform health-enhancing PA to experience higher physical well-being.

  3. Support vector machine to predict diesel engine performance and emission parameters fueled with nano-particles additive to diesel fuel

    Science.gov (United States)

    Ghanbari, M.; Najafi, G.; Ghobadian, B.; Mamat, R.; Noor, M. M.; Moosavian, A.

    2015-12-01

    This paper studies the use of adaptive Support Vector Machine (SVM) to predict the performance parameters and exhaust emissions of a diesel engine operating on nanodiesel blended fuels. In order to predict the engine parameters, the whole experimental data were randomly divided into training and testing data. For SVM modelling, different values for radial basis function (RBF) kernel width and penalty parameters (C) were considered and the optimum values were then found. The results demonstrate that SVM is capable of predicting the diesel engine performance and emissions. In the experimental step, Carbon nano tubes (CNT) (40, 80 and 120 ppm) and nano silver particles (40, 80 and 120 ppm) with nanostructure were prepared and added as additive to the diesel fuel. Six cylinders, four-stroke diesel engine was fuelled with these new blended fuels and operated at different engine speeds. Experimental test results indicated the fact that adding nano particles to diesel fuel, increased diesel engine power and torque output. For nano-diesel it was found that the brake specific fuel consumption (bsfc) was decreased compared to the net diesel fuel. The results proved that with increase of nano particles concentrations (from 40 ppm to 120 ppm) in diesel fuel, CO2 emission increased. CO emission in diesel fuel with nano-particles was lower significantly compared to pure diesel fuel. UHC emission with silver nano-diesel blended fuel decreased while with fuels that contains CNT nano particles increased. The trend of NOx emission was inverse compared to the UHC emission. With adding nano particles to the blended fuels, NOx increased compared to the net diesel fuel. The tests revealed that silver & CNT nano particles can be used as additive in diesel fuel to improve complete combustion of the fuel and reduce the exhaust emissions significantly.

  4. Reduction of sludge generation by the addition of support material in a cyclic activated sludge system for municipal wastewater treatment.

    Science.gov (United States)

    Araujo, Moacir Messias de; Lermontov, André; Araujo, Philippe Lopes da Silva; Zaiat, Marcelo

    2013-09-01

    An innovative biomass carrier (Biobob®) was tested for municipal wastewater treatment in an activated sludge system to evaluate the pollutant removal performance and the sludge generation for different carrier volumes. The experiment was carried out in a pilot-scale cyclic activated sludge system (CASS®) built with three cylindrical tanks in a series: an anoxic selector (2.1 m(3)), an aerobic selector (2.5 m(3)) and the main aerobic reactor (25.1 m(3)). The results showed that by adding the Biobob® carrier decreased the MLVSS concentration, which consequently reduced the waste sludge production of the system. Having 7% and 18% (v/v) support material in the aerobic reactor, the observed biomass yield decreased 18% and 36%, respectively, relative to the reactor operated with suspended biomass. The addition of media did not affect the system's performance for COD and TSS removal. However, TKN and TN removal were improved by 24% and 14%, respectively, using 18% (v/v) carrier. Copyright © 2013 Elsevier Ltd. All rights reserved.

  5. 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...

  6. Beyond Mentoring: A Review of Literature Detailing the Need for Additional and Alternative Forms of Support for Novice Music Teachers

    Science.gov (United States)

    Bell-Robertson, Catherine G.

    2015-01-01

    Support for music teachers new to the profession is important and necessary. Some school districts use traditional mentor-mentee pairings as their primary support for novice music teachers; however, many factors in the professional lives of music teachers, such as traveling among multiple schools or a lack of subject-specific colleagues often…

  7. 76 FR 60600 - Proposed Collection; Comment Request for Supplemental Quarterly Report (Small Business Lending...

    Science.gov (United States)

    2011-09-29

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

  8. 12 CFR 723.3 - What are the requirements for construction and development lending?

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

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

    2016-01-01

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

  10. 5The effect of funding strategy on the lending patterns of banks in ...

    African Journals Online (AJOL)

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

  11. 12 CFR Appendix III to Part 27 - Fair Housing Lending Inquiry/Application Log Sheet

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

    Pham, Thi Thu Tra; Lensink, Robert

    2007-01-01

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

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

    NARCIS (Netherlands)

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

    2007-01-01

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

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

    NARCIS (Netherlands)

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

    2009-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Mansor H. Ibrahim

    2012-07-01

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

  16. Government chartered banks step up oil and gas lending

    International Nuclear Information System (INIS)

    Crow, P.

    1994-01-01

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

  17. Systems and Methods for Designing and Fabricating Contact-Free Support Structures for Overhang Geometries of Parts in Powder-Bed Metal Additive Manufacturing

    Science.gov (United States)

    Chou, Yuag-Shan (Inventor); Cooper, Kenneth (Inventor)

    2017-01-01

    Systems and methods are provided for designing and fabricating contact-free support structures for overhang geometries of parts fabricated using electron beam additive manufacturing. One or more layers of un-melted metallic powder are disposed in an elongate gap between an upper horizontal surface of the support structure and a lower surface of the overhang geometry. The powder conducts heat from the overhang geometry to the support structure. The support structure acts as a heat sink to enhance heat transfer and reduce the temperature and severe thermal gradients due to poor thermal conductivity of metallic powders underneath the overhang. Because the support structure is not connected to the part, the support structure can be removed freely without any post-processing step.

  18. Patient preference compared with random allocation in short-term psychodynamic supportive psychotherapy with indicated addition of pharmacotherapy for depression.

    NARCIS (Netherlands)

    Van, H.L.; Dekker, J.J.M.; Koelen, J.; Kool, S.; Aalst, van G.; Hendriksen, I.J.M.; Peen, J.; Schoevers, R.A.

    2009-01-01

    Depressed patients randomized to psychotherapy were compared with those who had been chosen for psychotherapy in a treatment algorithm, including addition of an antidepressant in case of early nonresponse. There were no differences between randomized and by-preference patients at baseline in

  19. Mitochondrial genome sequence and gene order of Sipunculus nudus give additional support for an inclusion of Sipuncula into Annelida

    Directory of Open Access Journals (Sweden)

    Bartolomaeus Thomas

    2009-01-01

    Full Text Available Abstract Background Mitochondrial genomes are a valuable source of data for analysing phylogenetic relationships. Besides sequence information, mitochondrial gene order may add phylogenetically useful information, too. Sipuncula are unsegmented marine worms, traditionally placed in their own phylum. Recent molecular and morphological findings suggest a close affinity to the segmented Annelida. Results The first complete mitochondrial genome of a member of Sipuncula, Sipunculus nudus, is presented. All 37 genes characteristic for metazoan mtDNA were detected and are encoded on the same strand. The mitochondrial gene order (protein-coding and ribosomal RNA genes resembles that of annelids, but shows several derivations so far found only in Sipuncula. Sequence based phylogenetic analysis of mitochondrial protein-coding genes results in significant bootstrap support for Annelida sensu lato, combining Annelida together with Sipuncula, Echiura, Pogonophora and Myzostomida. Conclusion The mitochondrial sequence data support a close relationship of Annelida and Sipuncula. Also the most parsimonious explanation of changes in gene order favours a derivation from the annelid gene order. These results complement findings from recent phylogenetic analyses of nuclear encoded genes as well as a report of a segmental neural patterning in Sipuncula.

  20. Mitochondrial genome sequence and gene order of Sipunculus nudus give additional support for an inclusion of Sipuncula into Annelida.

    Science.gov (United States)

    Mwinyi, Adina; Meyer, Achim; Bleidorn, Christoph; Lieb, Bernhard; Bartolomaeus, Thomas; Podsiadlowski, Lars

    2009-01-16

    Mitochondrial genomes are a valuable source of data for analysing phylogenetic relationships. Besides sequence information, mitochondrial gene order may add phylogenetically useful information, too. Sipuncula are unsegmented marine worms, traditionally placed in their own phylum. Recent molecular and morphological findings suggest a close affinity to the segmented Annelida. The first complete mitochondrial genome of a member of Sipuncula, Sipunculus nudus, is presented. All 37 genes characteristic for metazoan mtDNA were detected and are encoded on the same strand. The mitochondrial gene order (protein-coding and ribosomal RNA genes) resembles that of annelids, but shows several derivations so far found only in Sipuncula. Sequence based phylogenetic analysis of mitochondrial protein-coding genes results in significant bootstrap support for Annelida sensu lato, combining Annelida together with Sipuncula, Echiura, Pogonophora and Myzostomida. The mitochondrial sequence data support a close relationship of Annelida and Sipuncula. Also the most parsimonious explanation of changes in gene order favours a derivation from the annelid gene order. These results complement findings from recent phylogenetic analyses of nuclear encoded genes as well as a report of a segmental neural patterning in Sipuncula.

  1. 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.

  2. 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...

  3. 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...

  4. Improving pharmacy counselling skills: an interdisciplinary model of support for students with English as an additional language.

    Science.gov (United States)

    Kokkinn, Beverley; Stupans, Ieva

    2011-12-01

    The pilot project, described in this paper, targeted English as an additional language (EAL) students to facilitate their development of patient counselling communication skills. An interdisciplinary content-based model was developed drawing on an interactional sociolinguistic framework to map language use valued in pharmacy counselling. Evaluation included analysis of successive self-assessments and surveys of students, surveys of teaching staff and final test results. Evaluation indicated that the interdisciplinary model was highly successful in improving EAL students' competency in pharmacy counselling. The model may have possible wider application for education in health professional programmes. © 2011 The Authors. IJPP © 2011 Royal Pharmaceutical Society.

  5. 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

  6. 78 FR 23171 - Amendments to the 2013 Escrows Final Rule Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-04-18

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

  7. Determinants of loan maturity in small business lending

    Directory of Open Access Journals (Sweden)

    Ashiqur Rahman

    2017-06-01

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

  8. 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

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

    Directory of Open Access Journals (Sweden)

    Popov Grigory G.

    2016-03-01

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

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

    OpenAIRE

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

    2014-01-01

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

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

    OpenAIRE

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

    2016-01-01

    Abstract Lending groups (LGs) and social capital are two central elements to the many microfinance solutions operating around the world. However, LG effectiveness in reducing transaction costs and lending risks for microfinance institutions (MFIs) is mediated by institutional environments. Starting from this assumption, we discuss the existent interactions between the institutional environments of developed (Anglo-Saxon and communitarian) and developing countries with different stocks of soci...

  12. 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.

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

    Science.gov (United States)

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

    2014-02-01

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

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

    Science.gov (United States)

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

    2018-01-01

    Peer-to-peer lending is hypothesized to help equalize economic opportunities for the world’s poor. We empirically investigate the “flat-world” hypothesis, the idea that globalization eventually leads to economic equality, using crowdfinancing data for over 660,000 loans in 220 nations and territories made between 2005 and 2013. Contrary to the flat-world hypothesis, we find that peer-to-peer lending networks are moving away from flatness. Furthermore, decreasing flatness is strongly associated with multiple variables: relatively stable patterns in the difference in the per capita GDP between borrowing and lending nations, ongoing migration flows from borrowing to lending nations worldwide, and the existence of a tie as a historic colonial. Our regression analysis also indicates a spatial preference in lending for geographically proximal borrowers. To estimate the robustness for these patterns for future changes, we construct a network of borrower and lending nations based on the observed data. Then, to perturb the network, we stochastically simulate policy and event shocks (e.g., erecting walls) or regulatory shocks (e.g., Brexit). The simulations project a drift towards rather than away from flatness. However, levels of flatness persist only for randomly distributed shocks. By contrast, loss of the top borrowing nations produces more flatness, not less, indicating how the welfare of the overall system is tied to a few distinctive and critical country–pair relationships. PMID:29590131

  15. 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.

  16. Countering abuses at the granting of additional measures of state support to families with children: the possibilities of the legislator and law enforcement practice experience

    Directory of Open Access Journals (Sweden)

    Oleg S. Kurchenko

    2018-01-01

    Full Text Available The subject of the article is abuses at the granting of additional measures of state support to families with children and measures of its preventionThe purpose of the article is to analyze legal rules governing the provision of additional measures of state support for families with children, to determine their completeness and adequacy for countering abuses in this area.Characteristic of the problem field. The implementation of the legislation on additional measures of state support for families with children, has proved to be connected with widespread attempts to use the maternity (family capital by the persons who do not have the right, or to use it contrary to the restrictions established by law. Analyzed legislation has shortcomings that create the conditions for illegal actions.Methodology. Both general scientific methods (analysis, synthesis, description and special scientific methods (comparative-legal and formal-legal methods were used in the research process .Results. Countering abuses requires improvement (changes and additions of the law governing the provision of additional measures of state support for families with children. Refinement and extension of powers of the Pension Fund’s of the Russian Federation bodies in this area, however, inevitably entails an increase in the number of organizational actions performed by these bodies when considering applications of the entitled persons. The flip side of strengthening the fight against illegal actions in this sphere can also be the limitation of the possibilities of the entitled persons and the extension of discretion of authorized bodies. When the effective legislative means are absent the judicial practice plays a prominent role in preventing the illegal use of maternity (family capital. In particular, the qualification of improvement of housing conditions as a necessary result of the contract of purchase and sale of real estate became one of the obstacles to illegal receipt of

  17. Help is just a text away: the use of short message service texting to provide an additional means of support for health care students during practice placements.

    Science.gov (United States)

    Young, Pat; Moore, Emma; Griffiths, Garfield; Raine, Rosi; Stewart, Rob; Cownie, Matthew; Frutos-Perez, Manuel

    2010-02-01

    This article discusses the findings from a pilot study using short message service (SMS) texting to provide an additional means of support for health care students in practice placements. Pre-registration students were recruited students from 2nd year cohorts in Adult Nursing, Children's Nursing, Occupational Therapy, and Radiography to pilot the use of SMS texting with their private mobile phones from their work-based learning placements. The pilot was evaluated using an online questionnaire for students with follow-up telephone interviews, and face-to-face interviews with the four tutors. Data on the use of the service by students was also collated. Although the students made less use of the service than was anticipated, both staff and students were positive about the potential of this type of communication in providing an additional form of support for students in placements. Copyright 2009 Elsevier Ltd. All rights reserved.

  18. 77 FR 33120 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2012-06-05

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

  19. A review of the work of the EU Reference Laboratory supporting the authorisation process of feed additives in the EU. [corrected].

    Science.gov (United States)

    von Holst, Christoph; Robouch, Piotr; Bellorini, Stefano; González de la Huebra, María José; Ezerskis, Zigmas

    2016-01-01

    This paper describes the operation of the European Union Reference Laboratory for Feed Additives (EURL) and its role in the authorisation procedure of feed additives in the European Union. Feed additives are authorised according to Regulation (EC) No. 1831/2003, which introduced a completely revised authorisation procedure and also established the EURL. The regulations authorising feed additives contain conditions of use such as legal limits of the feed additives, which require the availability of a suitable method of analysis for official control purposes under real world conditions. It is the task of the EURL to evaluate the suitability of analytical methods as proposed by the industry for this purpose. Moreover, the paper shows that one of the major challenges is the huge variety of the methodology applied in feed additive analysis, thus requiring expertise in quite different analytical areas. In order to cope with this challenge, the EURL is supported by a network of national reference laboratories (NRLs) and only the merged knowledge of all NRLs allows for a scientifically sound assessment of the analytical methods.

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

    Directory of Open Access Journals (Sweden)

    Ranisavljević Duško

    2015-01-01

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

  1. Developing Save Your Food Kit (Sayofu Kit) to Support Inquiry, Improve Student Learning Outcomes at SMP Plus Hidayatul Mubtadiin and Public Awareness on Food Additives

    Science.gov (United States)

    Astutik, J.

    2017-02-01

    Food additives are materials that can not be separated from the lives of students and the community. Based on the preliminary questionnaire, it indicates the lack of kit supporting material additives in some schools and communities. The research objectives of this development are (1) to develop Kit experiment (SAYOFU KIT) and supplementary books to improve student learning outcomes in the classroom and public awareness on food additives (2) to describe the feasibility and potential effectiveness of SAYOFU KIT developed (3) to analyze the practice of SAYOFU KIT and benefits for students and the community. This development study uses 4-D models Thiagarajan, et al (1974). Through some stages, they are: defining, designing, developing and disseminating which involes the students and community. The developed SAYOFU KIT includes additives sample kit, borax test kit, curcumin test kit, formaldehyde test kit, modification heater to the identification of dyes and dye test paper. The study is conducted at SMP Plus Hidayatul Mubtadiin, and TKIT Al Uswah. The products are validated by experts and education practitioners. Qualitative data processing uses descriptive method, whereas quantitative data by using the N-gain. The average yield of expert validation of SAYOFU KIT with supplementary books 76.50% teacher’s book and 76.30% student’s book are eligible. The average yield of 96.81% validation of educational practitioners criteria, piloting a small group of 83.15%, and 82.89% field trials are very decent. The average yield on the student questionnaire responses SAYOFU kit and supplementary book is 87.6% with the criteria very well worth it. N-Gain 0:56 cognitive achievement with the criteria enough. The results of the public poll showed 95% feel the benefits SAYOFU kits for testing food. Based from description indicates that SAYOFU Kit developed feasible, practical, useful to support inquiry learning and improve student learning outcomes as well as public awareness of

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

    Directory of Open Access Journals (Sweden)

    Qinwei Chi

    2017-03-01

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

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

    Science.gov (United States)

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

    2012-12-01

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

  4. Addition of non-invasive ventilatory support to combined aerobic and resistance training improves dyspnea and quality of life in heart failure patients: a randomized controlled trial.

    Science.gov (United States)

    Bittencourt, Hugo Souza; Cruz, Cristiano Gonçalves; David, Bruno Costa; Rodrigues, Erenaldo; Abade, Camille Magalhães; Junior, Roque Aras; Carvalho, Vitor Oliveira; Dos Reis, Francisco Borges Faria; Gomes Neto, Mansueto

    2017-11-01

    To test the hypothesis that combined aerobic and resistance training and non-invasive ventilatory support result in additional benefits compared with combined aerobic and resistance training alone in heart failure patients. A randomized, single-blind, controlled study. Cardiac rehabilitation center. A total of 46 patients with New York Heart Association class II/III heart failure were randomly assigned to a 10-week program of combined aerobic and resistance training, plus non-invasive ventilatory support ( n = 23) or combined aerobic and resistance training alone ( n = 23). Before and after intervention, results for the following were obtained: 6-minute walk test, forced vital capacity, forced expiratory volume at one second, maximal inspiratory muscle pressure, and maximal expiratory muscle pressure, with evaluation of dyspnea by the London Chest Activity of Daily Living scale, and quality of life with the Minnesota Living With Heart Failure questionnaire. Of the 46 included patients, 40 completed the protocol. The combined aerobic and resistance training plus non-invasive ventilatory support, as compared with combined aerobic and resistance training alone, resulted in significantly greater benefit for dyspnea (mean change: 4.8 vs. 1.3, p = 0.004), and quality of life (mean change: 19.3 vs. 6.8, p = 0.017 ). In both groups, the 6-minute walk test improved significantly (mean change: 45.7 vs. 44.1, p = 0.924), but without a statistically significant difference. Non-invasive ventilatory support combined with combined aerobic and resistance training provides additional benefits for dyspnea and quality of life in moderate heart failure patients. ClinicalTrials.gov identifier: NCT02384798. Registered 03 April 2015.

  5. 77 FR 69738 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2012-11-21

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

  6. 75 FR 58539 - Regulation Z; Truth in Lending

    Science.gov (United States)

    2010-09-24

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

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

    OpenAIRE

    Daniel BADULESCU

    2011-01-01

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

  8. 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...

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

    Energy Technology Data Exchange (ETDEWEB)

    Hansen, Stein

    1993-07-01

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

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

    International Nuclear Information System (INIS)

    Hansen, Stein

    1993-01-01

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

  11. Development of Decision-making Support System to Determine the Feasibility of the Job Training Industry Using Simple Additive Weighting Method

    Directory of Open Access Journals (Sweden)

    Kaisah Riski Zubaeti

    2017-10-01

    Full Text Available The activities of the job training is an activity that must be implemented at Vocational Secondary School. The lack of utilization of technology on such activities in Vocational Secondary School,  so the data management of the job training become less effective and efficient. Therefore, it is necessary the information system for manage the data on the job training and produces the decision support of the decent industry of the job training as a result of the evaluation of the job training. This research has a goal to produce decision support system to determine the feasibility of the job training industry (SPK-KTP, measure the feasibility of the system, and produce a decision support using a Simple Additive Weighting (SAW method. The information system can help the school to manage the administration on the job training, recap the daily journal, recap the reports in pursuit, and provide decision support the job training of decent industry used in the next period. SPK-KTP uses SAW method to produce decision support the job training of decent industry. SPK-KTP is the web-based information system which it is developed using the programming language PHP (Hypertext Preprocessor. This information system uses The Waterfall Model as its system development method. The steps of The Waterfall Model consists of Analysis, Design, Code, and Test. SPK-KTP has done testing to an expert of the information system with value 90,7%, an expert of the substance of the job training with value  91,6%, supervising teachers with value 83,3%, and learners with value 90,6%. Based on the result, so SPK-KTP is very decent to use.

  12. An Approach to Measuring Provisions for Collateralised Lending

    OpenAIRE

    Cho-hoi Hui; Tom Fong

    2006-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Aurelia LITVIN

    2014-04-01

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

  14. Learning support pedagogy for children who struggle to develop the concepts underlying the operations of addition and subtraction of numbers: the ‘Calculia’ programme

    Directory of Open Access Journals (Sweden)

    Annemarie Fritz-Stratmann

    2014-12-01

    Full Text Available This paper argues for teaching pre-service teachers about remediation strategies for learners who encounter problems in mathematics in the early grades. The premise is that all teachers should be equipped with theory-based practical knowledge to support learning. A few teaching sessions to develop the concepts that underlie the mathematical operations of addition and subtraction are introduced in this paper. An empirically validated, comprehensive model of cumulative arithmetic competence development from the ages of four to eight years forms the basis for the construction of the suggested teaching unit. The model distinguishes five competence levels of arithmetical conceptual development, and proposes that concepts build on one another hierarchically. A ‘part plus part is equivalent to whole’ model was constructed based on this hierarchical structure and the understanding that the concept of addition is a dynamic process. The teaching examples include exercises for all children, not only ones who struggle. Possibilities for adapting the exercises to the individual development level of slower or faster learners are also included. All exercises are accompanied by a reflection on the procedure and strategies applied in order to support meaningful and sustainable learning and to give student teachers the opportunity to use knowledge of mathematical cognition theory during their pre-service years.

  15. Financial incentives research and lending market impact analysis

    Energy Technology Data Exchange (ETDEWEB)

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

    1977-11-01

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

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

    African Journals Online (AJOL)

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

  17. 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...

  18. 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...

  19. 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...

  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. 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

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

    NARCIS (Netherlands)

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

    2007-01-01

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

  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. 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

  5. 12 CFR Appendix C to Part 30 - OCC Guidelines Establishing Standards for Residential Mortgage Lending Practices

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

    Postelnicu, Luminita; Hermes, Niels

    2015-01-01

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

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

    African Journals Online (AJOL)

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

  8. 12 CFR 31.2 - Insider lending restrictions and reporting requirements.

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

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

    2007-01-01

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

  10. 12 CFR Appendix A to Subpart D of... - Interagency Guidelines for Real Estate Lending

    Science.gov (United States)

    2010-01-01

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

  11. 76 FR 53362 - Approval of Farm Credit System Lending Institutions in FHA Mortgage Insurance Programs

    Science.gov (United States)

    2011-08-26

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

  12. 13 CFR 120.1900 - When does the Secondary Market Lending Authority Program end?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false When does the Secondary Market... Market Broker-Dealers (SISMBD Loan Program) § 120.1900 When does the Secondary Market Lending Authority Program end? The last date on which a loan under this program can be approved is February 16, 2011, unless...

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

    Science.gov (United States)

    Moore, Julia E.

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

  14. 75 FR 28814 - Owner of Record and Re-Sale Data To Preclude Predatory Lending Practices (Property Flipping) on...

    Science.gov (United States)

    2010-05-24

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

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

    Directory of Open Access Journals (Sweden)

    Yongsheng Jiang

    2018-02-01

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

  16. 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.

  17. 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.

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

    Directory of Open Access Journals (Sweden)

    BLENDEA MARIAN

    2013-08-01

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

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

    OpenAIRE

    Giannoccolo, Pierpaolo; Mansilla-Fernández, José Manuel

    2017-01-01

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

  20. Supportive treatment in weight-losing cancer patients due to the additive adverse effects of radiation treatment and/or chemotherapy

    Energy Technology Data Exchange (ETDEWEB)

    Erkurt, E.; Tunali, C. [Cukurova University Medical Faculty, Dept. of Radiation Oncology, Balcali-Adana (Turkey); Erkisi, M. [Cukurova University Medical Faculty, Dept. of Medical Oncology (Turkey)

    2000-12-01

    The reversal of anorexia and weight loss especially in patients with advanced cancer suffering from radiation treatment (RT) -related complications and debilitated further during RT would be a welcome relief. The purpose of this study is to evaluate the feasibility of supportive treatment with megestrol acetate (MA) in the weight-losing cancer patients increasingly experiencing anorexia, smell, taste, and weight loss due to the additive adverse effects of RT plus or minus chemotherapy and how MA changes the additive role of the severity of RT reactions on such patients. >From June 1997 to October 1998, 100 eligible patients were enrolled on a randomized, placebo-controlled clinical trial. Of the 100 patients, 46 received MA during RT and 4 after the end of the RT, and 50 received placebo for 3 months. Subjective parameters were assessed by a brief questionnaire form based on scoring from 1 to 5, according to the degree of the loss or change for each parameter of malnutrition, appetite, taste and smell developed by the researchers. At the end of the study a statistically significant weight gain was achieved in the patient group receiving MA compared to the placebo group (+ 3 to + 5 kg versus -3.7 to -5.9 kg, p=0.000). Significant improvements were seen in performance status (p=0.000), appetite (p=0.000), malnutrition (p=0.000), loss of taste (p=0.000) and smell qualities (p=0.02) in the MA group compared to the placebo group. In the MA group there was no statistically significant difference related to the weight changes according to the grade of either the acute or late RT effects (p=0.65 and 0.07, respectively). Whereas, in the placebo group a statistically significant additive effect of the acute and late RT effects was detected on weight loss (p=0.008 and 0.007, respectively). It was observed no side-effects of MA in a 3-month time follow-up. The use of MA 480 mg/day during RT was effective in reversing anorexia and weight loss in spite of the acute RT effects

  1. Supportive treatment in weight-losing cancer patients due to the additive adverse effects of radiation treatment and/or chemotherapy

    International Nuclear Information System (INIS)

    Erkurt, E.; Tunali, C.; Erkisi, M.

    2000-01-01

    The reversal of anorexia and weight loss especially in patients with advanced cancer suffering from radiation treatment (RT) -related complications and debilitated further during RT would be a welcome relief. The purpose of this study is to evaluate the feasibility of supportive treatment with megestrol acetate (MA) in the weight-losing cancer patients increasingly experiencing anorexia, smell, taste, and weight loss due to the additive adverse effects of RT plus or minus chemotherapy and how MA changes the additive role of the severity of RT reactions on such patients. From June 1997 to October 1998, 100 eligible patients were enrolled on a randomized, placebo-controlled clinical trial. Of the 100 patients, 46 received MA during RT and 4 after the end of the RT, and 50 received placebo for 3 months. Subjective parameters were assessed by a brief questionnaire form based on scoring from 1 to 5, according to the degree of the loss or change for each parameter of malnutrition, appetite, taste and smell developed by the researchers. At the end of the study a statistically significant weight gain was achieved in the patient group receiving MA compared to the placebo group (+ 3 to + 5 kg versus -3.7 to -5.9 kg, p=0.000). Significant improvements were seen in performance status p=0.000), appetite (p=0.000), malnutrition (p=0.000), loss of taste (p=0.000) and smell qualities (p=0.02) in the MA group compared to the placebo group. In the MA group there was no statistically significant difference related to the weight changes according to the grade of either the acute or late RT effects (p=0.65 and 0.07, respectively). Whereas, in the placebo group a statistically significant additive effect of the acute and late RT effects was detected on weight loss (p=0.008 and 0.007, respectively). It was observed no side-effects of MA in a 3-month time follow-up. The use of MA 480 mg/day during RT was effective in reversing anorexia and weight loss in spite of the acute RT effects, and

  2. Spatial prediction of landslide susceptibility using an adaptive neuro-fuzzy inference system combined with frequency ratio, generalized additive model, and support vector machine techniques

    Science.gov (United States)

    Chen, Wei; Pourghasemi, Hamid Reza; Panahi, Mahdi; Kornejady, Aiding; Wang, Jiale; Xie, Xiaoshen; Cao, Shubo

    2017-11-01

    The spatial prediction of landslide susceptibility is an important prerequisite for the analysis of landslide hazards and risks in any area. This research uses three data mining techniques, such as an adaptive neuro-fuzzy inference system combined with frequency ratio (ANFIS-FR), a generalized additive model (GAM), and a support vector machine (SVM), for landslide susceptibility mapping in Hanyuan County, China. In the first step, in accordance with a review of the previous literature, twelve conditioning factors, including slope aspect, altitude, slope angle, topographic wetness index (TWI), plan curvature, profile curvature, distance to rivers, distance to faults, distance to roads, land use, normalized difference vegetation index (NDVI), and lithology, were selected. In the second step, a collinearity test and correlation analysis between the conditioning factors and landslides were applied. In the third step, we used three advanced methods, namely, ANFIS-FR, GAM, and SVM, for landslide susceptibility modeling. Subsequently, the results of their accuracy were validated using a receiver operating characteristic curve. The results showed that all three models have good prediction capabilities, while the SVM model has the highest prediction rate of 0.875, followed by the ANFIS-FR and GAM models with prediction rates of 0.851 and 0.846, respectively. Thus, the landslide susceptibility maps produced in the study area can be applied for management of hazards and risks in landslide-prone Hanyuan County.

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

    Science.gov (United States)

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

    2016-01-01

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

  4. 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.

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

    Directory of Open Access Journals (Sweden)

    Zlata Kovtun

    2017-06-01

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

  6. Does additional support provided through e-mail or SMS in a Web-based Social Marketing program improve children's food consumption? A Randomized Controlled Trial.

    Science.gov (United States)

    Rangelov, Natalie; Della Bella, Sara; Marques-Vidal, Pedro; Suggs, L Suzanne

    2018-02-16

    The FAN Social Marketing program was developed to improve dietary and physical activity habits of families with children in Ticino, Switzerland. The aim of this study was to examine if the effects of the program on children's food intake differed by intervention group. Effects of the FAN program were tested through a Randomized Controlled Trial. The program lasted 8 weeks, during which participants received tailored communication about nutrition and physical activity. Families were randomly allocated to one of three groups, where the parent received the intervention by the Web (G1), Web + e-mail (G2) or Web + SMS (G3). Children in all groups received tailored print letters by post. Children's food consumption was assessed at baseline and immediate post intervention using a 7-day food diary. Generalized linear mixed models with child as a random effect and with time, treatment group, and the time by treatment interaction as fixed effects were used to test the impact of the intervention. Analyses were conducted with a sample of 608 children. After participating in FAN the marginal means of daily consumption of fruit changed from 0.95 to 1.12 in G1, from 0.82 to 0.94 in G2, and from 0.93 to 1.18 in G3. The margins of the daily consumption of sweets decreased in each group (1.67 to 1.56 in G1, 1.71 to 1.49 in G2, and 1.72 to 1.62 in G3). The change in vegetable consumption observed from pre to post intervention in G3 (from 1.13 to 1.21) was significantly different from that observed in G1 (from 1.21 to 1.17). A well-designed Web-based Social Marketing intervention complemented with print letters can help improve children's consumption of water, fruit, soft drinks, and sweets. The use of SMS to support greater behavior change, in addition to Web-based communication, resulted only in a small significant positive change for vegetables, while the use of e-mail in addition to Web did not result in any significant difference. The trial was retrospectively registered in the

  7. The Culture of Poverty Debate: Some Additional Data

    Science.gov (United States)

    Coward, Barbara E.; And Others

    1974-01-01

    Reviews briefly the state of comparative empirical research on the culture of poverty, and examines the extent to which the authors' findings, based on a re-analysis of a community survey, lend support to poverty culture arguments. (Author/JM)

  8. 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.

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

    OpenAIRE

    Mingfeng Lin; Nagpurnanand R. Prabhala; Siva Viswanathan

    2013-01-01

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

  10. 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

  11. 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.

  12. Study of Supported Nickel Catalysts Prepared by Aqueous Hydrazine Method. Hydrogenating Properties and Hydrogen Storage: Support Effect. Silver Additive Effect; Catalyseurs de nickel supportes prepares par la methode de l'hydrazine aqueuse. Proprietes hydrogenantes et stockage d'hydrogene. Effet du support. Effet de l'ajout d'argent

    Energy Technology Data Exchange (ETDEWEB)

    Wojcieszak, R

    2006-06-15

    We have studied Ni or NiAg nano-particles obtained by the reduction of nickel salts (acetate or nitrate) by hydrazine and deposited by simple or EDTA-double impregnation on various supports ({gamma}-Al{sub 2}O{sub 3}, amorphous or crystallized SiO{sub 2}, Nb{sub 2}O{sub 5}, CeO{sub 2} and carbon). Prepared catalysts were characterized by different methods (XRD, XPS, low temperature adsorption and desorption of N{sub 2}, FTIR and FTIR-Pyridine, TEM, STEM, EDS, H{sub 2}-TPR, H{sub 2}-adsorption, H{sub 2}-TPD, isopropanol decomposition) and tested in the gas phase hydrogenation of benzene or as carbon materials in the hydrogen storage at room temperature and high pressure. The catalysts prepared exhibited better dispersion and activity than classical catalysts. TOF's of NiAg/SiO{sub 2} or Ni/carbon catalysts were similar to Pt catalysts in benzene hydrogenation. Differences in support acidity or preparation method and presence of Ag as metal additive play a crucial role in the chemical reduction of Ni by hydrazine and in the final properties of the materials. Ni/carbon catalysts could store significant amounts of hydrogen at room temperature and high pressure (0.53%/30 bars), probably through the hydrogen spillover effect. (author)

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

    Directory of Open Access Journals (Sweden)

    Diego A. B. Marconatto

    2016-11-01

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

  14. Food additives

    Science.gov (United States)

    ... this page: //medlineplus.gov/ency/article/002435.htm Food additives To use the sharing features on this page, please enable JavaScript. Food additives are substances that become part of a food ...

  15. NiMo Catalysts Supported on the Nb Modified Mesoporous SBA-15 and HMS: Effect of Thioglycolic Acid Addition on HDS.

    Czech Academy of Sciences Publication Activity Database

    Palcheva, R.; Kaluža, Luděk; Dimitrov, L.; Tyuliev, G.; Avdeev, G.; Jirátová, Květa; Spojakina, A.

    2016-01-01

    Roč. 50, JUN 25 (2016), s. 24-34 ISSN 0926-860X R&D Projects: GA ČR GAP106/11/0902 Institutional support: RVO:67985858 Keywords : HDS * mesoporous SBA-15 and HMS * thioglycolic acid Subject RIV: CI - Industrial Chemistry, Chemical Engineering Impact factor: 4.339, year: 2016

  16. 13 CFR 120.470 - What are SBA's additional requirements for SBLCs?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What are SBA's additional... BUSINESS LOANS Lenders Small Business Lending Companies (sblc) § 120.470 What are SBA's additional requirements for SBLCs? In addition to complying with SBA's requirements for SBA Lenders and SBA Supervised...

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

    Directory of Open Access Journals (Sweden)

    Doriana CUCINELLI

    2015-11-01

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

  18. Development of Decision-making Support System to Determine the Feasibility of the Job Training Industry Using Simple Additive Weighting Method

    OpenAIRE

    Kaisah Riski Zubaeti; Aris Budianto; Dwi Maryono

    2017-01-01

    The activities of the job training is an activity that must be implemented at Vocational Secondary School. The lack of utilization of technology on such activities in Vocational Secondary School,  so the data management of the job training become less effective and efficient. Therefore, it is necessary the information system for manage the data on the job training and produces the decision support of the decent industry of the job training as a result of the evaluation of the job training. Th...

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

    Science.gov (United States)

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

    2011-06-01

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

  20. Additive manufacturing.

    Science.gov (United States)

    Mumith, A; Thomas, M; Shah, Z; Coathup, M; Blunn, G

    2018-04-01

    Increasing innovation in rapid prototyping (RP) and additive manufacturing (AM), also known as 3D printing, is bringing about major changes in translational surgical research. This review describes the current position in the use of additive manufacturing in orthopaedic surgery. Cite this article: Bone Joint J 2018;100-B:455-60.

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. Additional case of Marden-Walker syndrome: support for the autosomal-recessive inheritance adn refinement of phenotype in a surviving patient.

    Science.gov (United States)

    Orrico, A; Galli, L; Zappella, M; Orsi, A; Hayek, G

    2001-02-01

    In this report, we present a 14-year-old girl, born to consanguineous parents, who presented with severe mental retardation, hypotonia, short stature, and congenital joint contractures. The craniofacial features were scaphocephaly, thin/long and immobile face, marked hypoplasia of the midface, temporal narrowness, blepharophimosis, palpebral ptosis, and strabismus. The combination of such a distinctive craniofacial appearance and psychomotor retardation allows us to recognize a new case of the Marden-Walker syndrome. Our patient represents one of the rare cases in which consanguineous mating supports the autosomal-recessive pattern of inheritance of this condition. Furthermore, through refining the phenotype of a surviving patient, this report may contribute to a better recognition of this disorder in older affected children.

  6. Private support and social security.

    Science.gov (United States)

    Van Dijk, F

    1998-01-01

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

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

    Science.gov (United States)

    Sukirman, Y. A.

    2018-03-01

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

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

    Science.gov (United States)

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

    2008-08-01

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

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

    Science.gov (United States)

    Chamberlain, Katherine A.

    2011-01-01

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

  10. 13 CFR 120.714 - How are grants made to non-lending technical assistance providers (NTAP)?

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

    Peersman, G.; Wagner, W.B.

    2014-01-01

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

  12. 78 FR 6407 - Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-01-30

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

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

    National Research Council Canada - National Science Library

    Farrell, Brenda S

    2007-01-01

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

  14. Phosphazene additives

    Science.gov (United States)

    Harrup, Mason K; Rollins, Harry W

    2013-11-26

    An additive comprising a phosphazene compound that has at least two reactive functional groups and at least one capping functional group bonded to phosphorus atoms of the phosphazene compound. One of the at least two reactive functional groups is configured to react with cellulose and the other of the at least two reactive functional groups is configured to react with a resin, such as an amine resin of a polycarboxylic acid resin. The at least one capping functional group is selected from the group consisting of a short chain ether group, an alkoxy group, or an aryloxy group. Also disclosed are an additive-resin admixture, a method of treating a wood product, and a wood product.

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

    CERN Document Server

    Vigen, Jens

    2003-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Soenartomo Soepomo

    2017-03-01

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

  17. 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.

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

    OpenAIRE

    Smirlock, Michael; Kaufold, Howard

    1987-01-01

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

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

    OpenAIRE

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

    2016-01-01

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

  20. 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...

  1. 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.

  2. NGSI student activities in open source information analysis in support of the training program of the U.S. DOE laboratories for the entry into force of the additional protocol

    Energy Technology Data Exchange (ETDEWEB)

    Sandoval, M Analisa [Los Alamos National Laboratory; Uribe, Eva C [Los Alamos National Laboratory; Sandoval, Marisa N [Los Alamos National Laboratory; Boyer, Brian D [Los Alamos National Laboratory; Stevens, Rebecca S [Los Alamos National Laboratory

    2009-01-01

    In 2008 a joint team from Los Alamos National Laboratory (LANL) and Brookhaven National Laboratory (BNL) consisting of specialists in training of IAEA inspectors in the use of complementary access activities formulated a training program to prepare the U.S. Doe laboratories for the entry into force of the Additional Protocol. As a major part of the support of the activity, LANL summer interns provided open source information analysis to the LANL-BNL mock inspection team. They were a part of the Next Generation Safeguards Initiative's (NGSI) summer intern program aimed at producing the next generation of safeguards specialists. This paper describes how they used open source information to 'backstop' the LANL-BNL team's effort to construct meaningful Additional Protocol Complementary Access training scenarios for each of the three DOE laboratories, Lawrence Livermore National Laboratory, Idaho National Laboratory, and Oak Ridge National Laboratory.

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

    Science.gov (United States)

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

    2012-01-01

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

  4. Physical symptoms, perceived social support, and affect in adolescents with cancer.

    Science.gov (United States)

    Wesley, Kimberly M; Zelikovsky, Nataliya; Schwartz, Lisa A

    2013-01-01

    Treatment for cancer among adolescents is often more intense and lasts longer than treatment for older or younger patients. It typically causes pain, fatigue, and nausea and affects social and emotional well-being. This study examined the relationships among demographics, physical symptoms, perceived social support from friends and family, and affect (positive and negative) in 102 adolescents (age 13-19) with cancer using correlational analyses. Additionally, perceived social support was explored as a mediator and moderator of the relationship between physical symptoms and affect using regression. Females reported significantly lower friend support and higher negative affect compared to males. Minority participants were more likely to endorse physical symptoms and less negative affect compared to White respondents. Higher report of physical symptoms was significantly related to greater negative affect, whereas higher perceived social support from friends was related to higher positive affect. Adolescents consistently reported high levels of social support from family and friends. Additionally, adolescents tended to report average levels of positive affect and low levels of negative affect compared to healthy populations. No significant mediation or moderation effects were found. This research highlights that females and minorities, and those with greater physical symptoms, may be more vulnerable to poor adjustment to cancer during adolescence. However, overall this study lends support to the notion that adolescents with cancer are an especially resilient population, as these patients endorsed generally high levels of social support and positive affect, with low levels of negative affect.

  5. Features of financial support of reproduction processes in agriculture

    Directory of Open Access Journals (Sweden)

    Kudrina Valentina Aleksandrovna

    2016-08-01

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

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

    Science.gov (United States)

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

    2011-12-01

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

  7. 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.

  8. 77 FR 57317 - 2012 Truth in Lending Act (Regulation Z) Mortgage Servicing

    Science.gov (United States)

    2012-09-17

    ... it harder to sort out borrower problems to achieve optimal results. In addition, many servicers took... portfolios or (where a loan has been securitized) investors who are entitled to the loan proceeds.\\5\\ Over 60... outstanding mortgage loans were held in portfolio, 57% of mortgage loans were owned through mortgage-backed...

  9. Policy Incentives and the Extension of Mortgage Credit: Increasing Market Discipline for Subprime Lending

    Science.gov (United States)

    An, Xudong; Bostic, Raphael W.

    2009-01-01

    The lax underwriting in non-prime mortgage markets is widely perceived as one cause of the recent difficulties in the housing market. Policymakers are currently considering moves such as enforcing more careful underwriting to provide additional discipline to mortgage markets. This research explores the possibility of another approach to supplement…

  10. 78 FR 11279 - Loan Originator Compensation Requirements Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-02-15

    ... others. Purchase money loans involve additional parties such as sellers and real estate agents. These... employees of manufactured home retailers, servicers, seller financers, and real estate brokers; management... recession ``was the longest and deepest economic contraction, as measured by the drop in real GDP, since the...

  11. Free energy calculation of water addition coupled to reduction of aqueous RuO4-

    International Nuclear Information System (INIS)

    Tateyama, Yoshitaka; Blumberger, Jochen; Ohno, Takahisa; Sprik, Michiel

    2007-01-01

    Free energy calculations were carried out for water addition coupled reduction of aqueous ruthenate, RuO 4 - +H 2 O+e - →[RuO 3 (OH) 2 ] 2- , using Car-Parrinello molecular dynamics simulations. The full reaction is divided into the reduction of the tetrahedral monoanion, RuO 4 - +e - →RuO 4 2- , followed by water addition, RuO 4 2- +H 2 O→[RuO 3 (OH) 2 ] 2- . The free energy of reduction is computed from the fluctuations of the vertical energy gap using the MnO 4 - +e - →MnO 4 2- reaction as reference. The free energy for water addition is estimated using constrained molecular dynamics methods. While the description of this complex reaction, in principle, involves multiple reaction coordinates, we found that reversible transformation of the reactant into the product can be achieved by control of a single reaction coordinate consisting of a suitable linear combination of atomic distances. The free energy difference of the full reaction is computed to be -0.62 eV relative to the normal hydrogen electrode. This is in good agreement with the experimental value of -0.59 eV, lending further support to the hypothesis that, contrary to the ruthenate monoanion, the dianion is not tetrahedral but forms a trigonal-bipyramidal dihydroxo complex in aqueous solution. We construct an approximate two-dimensional free energy surface using the coupling parameter for reduction and the mechanical constraint for water addition as variables. Analyzing this surface we find that in the most favorable reaction pathway the reduction reaction precedes water addition. The latter takes place via the protonated complex [RuO 3 (OH)] - and subsequent transport of the created hydroxide ion to the fifth coordination site of Ru

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

    Science.gov (United States)

    2010-01-01

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

  13. 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...

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

    Directory of Open Access Journals (Sweden)

    N P Parkhitko

    2015-12-01

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

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

    Directory of Open Access Journals (Sweden)

    Cristian Gheorghe Iacob

    2015-05-01

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

  16. Wide and High Additive Manufacturing

    Energy Technology Data Exchange (ETDEWEB)

    Post, Brian K. [Oak Ridge National Lab. (ORNL), Oak Ridge, TN (United States); Roschli, Alex C. [Oak Ridge National Lab. (ORNL), Oak Ridge, TN (United States)

    2017-03-01

    The goal of this project is to develop and demonstrate the enabling technologies for Wide and High Additive Manufacturing (WHAM). WHAM will open up new areas of U.S. manufacturing for very large tooling in support of the transportation and energy industries, significantly reducing cost and lead time. As with Big Area Additive Manufacturing (BAAM), the initial focus is on the deposition of composite materials.

  17. 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

  18. 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

  19. 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

  20. Additive Manufactured Superconducting Cavities

    Science.gov (United States)

    Holland, Eric; Rosen, Yaniv; Woolleet, Nathan; Materise, Nicholas; Voisin, Thomas; Wang, Morris; Mireles, Jorge; Carosi, Gianpaolo; Dubois, Jonathan

    Superconducting radio frequency cavities provide an ultra-low dissipative environment, which has enabled fundamental investigations in quantum mechanics, materials properties, and the search for new particles in and beyond the standard model. However, resonator designs are constrained by limitations in conventional machining techniques. For example, current through a seam is a limiting factor in performance for many waveguide cavities. Development of highly reproducible methods for metallic parts through additive manufacturing, referred to colloquially as 3D printing\\x9D, opens the possibility for novel cavity designs which cannot be implemented through conventional methods. We present preliminary investigations of superconducting cavities made through a selective laser melting process, which compacts a granular powder via a high-power laser according to a digitally defined geometry. Initial work suggests that assuming a loss model and numerically optimizing a geometry to minimize dissipation results in modest improvements in device performance. Furthermore, a subset of titanium alloys, particularly, a titanium, aluminum, vanadium alloy (Ti - 6Al - 4V) exhibits properties indicative of a high kinetic inductance material. This work is supported by LDRD 16-SI-004.

  1. Decision Support System For Approval New Student And Majoring Selection Based On Student’s Interest And Talent By Fuzzy Multiple Decision Making, Simple Additive Weighting And Buble Sort Method In SMK Telekomunikasi Tunas Harapan

    Directory of Open Access Journals (Sweden)

    Dewi Nurdiyah

    2016-11-01

    Full Text Available Decision Support System for New Student Acceptance aims to simplify the Decision Maker who is the Committee of New Student Acceptance to select prospective new students based on eight criteria. That is registration number, the average value of National Examinations, medical tests, interview, their achievements, salary of parents per month, number of siblings who are still in school and administration department and give recommendations for the major of accepted students based on their interests and talents. There are four major in SMK Telekomunikasi Tunas Harapan, these are Rekayasa Perangkat Lunak (RPL, Teknik Komputer dan Jaringan (TKJ, Multimedia and Teknik Kendaraan Ringan (TKR. And the talents be measured by math test, electro test, daw test and physics test.

  2. Acid-base titrations by stepwise addition of equal volumes of titrant with special reference to automatic titrations-III Presentation of a fully automatic titration apparatus and of results supporting the theories given in the preceding parts.

    Science.gov (United States)

    Pehrsson, L; Ingman, F

    1977-02-01

    This paper forms Part III of a series in which the first two parts describe methods for evaluating titrations performed by stepwise addition of equal volumes of titrant. The great advantage of these methods is that they do not require an accurate calibration of the electrode system. This property makes the methods very suitable for routine work. e.g., in automatic analysis. An apparatus for performing such titrations automatically is presented. Further, results of titrations of monoprotic acids, a diprotic acid, an ampholyte, a mixture of an acid with its conjugate base, and mixtures of two acids with a small difference between the stability constants are given. Most of these titrations cannot be evaluated by the Gran or Hofstee methods but yield results having errors of the order of 0.1% if the methods proposed in Parts I and II of this series are employed. The advantages of the method of stepwise addition of equal volumes of titrant combined with the proposed evaluation methods, in comparison with common methods such as titration to a preset pH, are that all the data are used in the evaluation, permitting a statistical treatment and giving better possibilities for tracing systematic errors.

  3. PEO-generated Surfaces Support Attachment and Growth of Cells In Vitro with No Additional Benefit for Micro-roughness in Sa (0.2-4 μm).

    Science.gov (United States)

    Jung, Ole; Smeets, Ralf; Kopp, Alexander; Porchetta, Dario; Hiester, Philipp; Heiland, Max; Friedrich, Reinhard E; Precht, Clarissa; Hanken, Henning; Gröbe, Alexander; Hartjen, Philip

    2016-01-01

    Plasma electrolytic oxidation (PEO), also known as micro-arc oxidation, is a promising electrochemical surface treatment technique for metals which has been used for the generation of various material surfaces and has been the focus of recent biomaterial research. It has been hypothesized that rough PEO surfaces should generally have properties that support cellular attachment and proliferation. However, this has not yet been demonstrated in systematically conducted studies. The present study investigated fibroblast cell proliferation and attachment to ground, electric discharge machining (EDM) and PEO-treated titanium surfaces differing in roughness and porosity. Three surface variants with 'smoother', 'medium-coarse' and 'rough' surface topographies were generated by PEO and EDM on specimens of titanium alloy (with 6 wt% aluminum and 4 wt% vanadium) for comparison with more smoothly ground specimens. The in vitro effects on cellular attachment and proliferation were determined in 2,3-bis-(2-methoxy-4-nitro-5-sulfophenyl)-2H-tetrazolium-5-carboxanilide (XTT), 5-bromo-2'-deoxyuridine (BrdU) and live/dead staining assays with L929 fibroblasts cultivated directly on the metal specimens. Cytocompatibility was determined in accordance with DIN 10993-5/-12 regulations by extract assays. Besides cytocompatibility, all PEO specimens exhibited similar biocompatibility and attachment properties, with vital, spindle-shaped adherent cells growing on the surface, regardless of their surface topology. There were no significant differences in cellular proliferation between the different surfaces and negative controls (cells growing in cell-culture plates). With no differences in cellular proliferation and attachment between PEO surfaces with different roughness, we find no evidence to support the notion that rougher PEO surfaces are more favorable for cellular growth of fibroblasts in vitro. Copyright © 2016 International Institute of Anticancer Research (Dr. John G

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

    Science.gov (United States)

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

    2015-07-01

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

  5. Additive Manufacturing Infrared Inspection

    Science.gov (United States)

    Gaddy, Darrell; Nettles, Mindy

    2015-01-01

    The Additive Manufacturing Infrared Inspection Task started the development of a real-time dimensional inspection technique and digital quality record for the additive manufacturing process using infrared camera imaging and processing techniques. This project will benefit additive manufacturing by providing real-time inspection of internal geometry that is not currently possible and reduce the time and cost of additive manufactured parts with automated real-time dimensional inspections which deletes post-production inspections.

  6. MODIFICATION OF THE ANALYTIC HIERARCHY PROCESS (AHP METHOD USING FUZZY LOGIC: FUZZY AHP APPROACH AS A SUPPORT TO THE DECISION MAKING PROCESS CONCERNING ENGAGEMENT OF THE GROUP FOR ADDITIONAL HINDERING

    Directory of Open Access Journals (Sweden)

    Darko Božanić

    2015-11-01

    Full Text Available This paper presents the modification of the AHP method, which takes into account the degree of suspense of decision maker, that is it allows that decision maker, with a certain degree of conviction (which is usually less than 100%, defines which linguistic expression corresponds to optimality criteria comparison. To determine the criteria weights and alternative values, fuzzy numbers are used since they are very suitable for the expression of vagueness and uncertainty. In this way, after applying the AHP method, we obtained values of criterion functions for each of the examined alternatives, which corresponds to the value determined by the degree of conviction. This provides that for different values of the degree of conviction can be made generation of different sets of criterion functions values. The set model was tested on choosing directions of action of the Group for additional hindering, as a procedure wich is often accompanied by greater or lesser degree of uncertainty of criteria that are necessary in relevant decision making

  7. Simple Purification of Nicotiana benthamiana-Produced Recombinant Colicins: High-Yield Recovery of Purified Proteins with Minimum Alkaloid Content Supports the Suitability of the Host for Manufacturing Food Additives

    Directory of Open Access Journals (Sweden)

    Anett Stephan

    2017-12-01

    Full Text Available Colicins are natural non-antibiotic bacterial proteins with a narrow spectrum but an extremely high antibacterial activity. These proteins are promising food additives for the control of major pathogenic Shiga toxin-producing E. coli serovars in meats and produce. In the USA, colicins produced in edible plants such as spinach and leafy beets have already been accepted by the U. S. Food and Drug Administration (FDA and U. S. Department of Agriculture (USDA as food-processing antibacterials through the GRAS (generally recognized as safe regulatory review process. Nicotiana benthamiana, a wild relative of tobacco, N. tabacum, has become the preferred production host plant for manufacturing recombinant proteins—including biopharmaceuticals, vaccines, and biomaterials—but the purification procedures that have been employed thus far are highly complex and costly. We describe a simple and inexpensive purification method based on specific acidic extraction followed by one chromatography step. The method provides for a high recovery yield of purified colicins, as well as a drastic reduction of nicotine to levels that could enable the final products to be used on food. The described purification method allows production of the colicin products at a commercially viable cost of goods and might be broadly applicable to other cost-sensitive proteins.

  8. Simple Purification of Nicotiana benthamiana-Produced Recombinant Colicins: High-Yield Recovery of Purified Proteins with Minimum Alkaloid Content Supports the Suitability of the Host for Manufacturing Food Additives.

    Science.gov (United States)

    Stephan, Anett; Hahn-Löbmann, Simone; Rosche, Fred; Buchholz, Mirko; Giritch, Anatoli; Gleba, Yuri

    2017-12-29

    Colicins are natural non-antibiotic bacterial proteins with a narrow spectrum but an extremely high antibacterial activity. These proteins are promising food additives for the control of major pathogenic Shiga toxin-producing E. coli serovars in meats and produce. In the USA, colicins produced in edible plants such as spinach and leafy beets have already been accepted by the U. S. Food and Drug Administration (FDA) and U. S. Department of Agriculture (USDA) as food-processing antibacterials through the GRAS (generally recognized as safe) regulatory review process. Nicotiana benthamiana , a wild relative of tobacco, N. tabacum , has become the preferred production host plant for manufacturing recombinant proteins-including biopharmaceuticals, vaccines, and biomaterials-but the purification procedures that have been employed thus far are highly complex and costly. We describe a simple and inexpensive purification method based on specific acidic extraction followed by one chromatography step. The method provides for a high recovery yield of purified colicins, as well as a drastic reduction of nicotine to levels that could enable the final products to be used on food. The described purification method allows production of the colicin products at a commercially viable cost of goods and might be broadly applicable to other cost-sensitive proteins.

  9. [Food additives and healthiness].

    Science.gov (United States)

    Heinonen, Marina

    2014-01-01

    Additives are used for improving food structure or preventing its spoilage, for example. Many substances used as additives are also naturally present in food. The safety of additives is evaluated according to commonly agreed principles. If high concentrations of an additive cause adverse health effects for humans, a limit of acceptable daily intake (ADI) is set for it. An additive is a risk only when ADI is exceeded. The healthiness of food is measured on the basis of nutrient density and scientifically proven effects.

  10. Well-defined silica supported aluminum hydride: another step towards the utopian single site dream?† †Electronic supplementary information (ESI) available. See DOI: 10.1039/c5sc02276b Click here for additional data file.

    Science.gov (United States)

    Werghi, Baraa; Bendjeriou-Sedjerari, Anissa; Sofack-Kreutzer, Julien; Jedidi, Abdesslem; Abou-Hamad, Edy

    2015-01-01

    of a strained siloxane bridge, Si–O–Si but with two different mechanisms, showing that the reality of “single site” catalyst may be an utopia: DFT calculations indicate that isobutyl transfer occurs via a simple metathesis between the Al-isobutyl and O–Si bonds, while hydride transfer occurs via a two steps mechanism, the first one is a β-H elimination to Al with elimination of isobutene, whereas the second is a metathesis step between the formed Al–H bond and a O–Si bond. Thermal treatment of 1a (at 250 °C) under high vacuum (10–5 mbar) generates Al–H through a β-H elimination of isobutyl fragment. These supported well-defined Al–H which are highly stable with time, are tetra, penta and octa coordinated as demonstrated by IR and 27Al–1H J-HMQC NMR spectroscopy. All these observations indicate that surfaces atoms around the site of grafting play a considerable role in the reactivity of a single site system. PMID:28757945

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

    Directory of Open Access Journals (Sweden)

    Dewi Margareth Lumbantoruan

    2015-05-01

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

  12. Additives in yoghurt production

    Directory of Open Access Journals (Sweden)

    Milna Tudor

    2008-02-01

    Full Text Available In yoghurt production, mainly because of sensory characteristics, different types of additives are used. Each group, and also each substance from the same group has different characteristics and properties. For that reason, for improvement of yoghurt sensory characteristics apart from addition selection, the quantity of the additive is very important. The same substance added in optimal amount improves yoghurt sensory attributes, but too small or too big addition can reduce yoghurt sensory attributes. In this paper, characteristics and properties of mostly used additives in yoghurt production are described; skimmed milk powder, whey powder, concentrated whey powder, sugars and artificial sweeteners, fruits, stabilizers, casein powder, inulin and vitamins. Also the impact of each additive on sensory and physical properties of yoghurt, syneresis and viscosity, are described, depending on used amount added in yoghurt production.

  13. Additive and polynomial representations

    CERN Document Server

    Krantz, David H; Suppes, Patrick

    1971-01-01

    Additive and Polynomial Representations deals with major representation theorems in which the qualitative structure is reflected as some polynomial function of one or more numerical functions defined on the basic entities. Examples are additive expressions of a single measure (such as the probability of disjoint events being the sum of their probabilities), and additive expressions of two measures (such as the logarithm of momentum being the sum of log mass and log velocity terms). The book describes the three basic procedures of fundamental measurement as the mathematical pivot, as the utiliz

  14. Food additives data book

    National Research Council Canada - National Science Library

    Smith, Jim; Hong-Shum, Lily

    2011-01-01

    .... Compiled by food industry experts with a proven track record of producing high quality reference work, this volume is the definitive resource for technologists using food additives"-- "The use...

  15. Food Additives and Hyperkinesis

    Science.gov (United States)

    Wender, Ester H.

    1977-01-01

    The hypothesis that food additives are causally associated with hyperkinesis and learning disabilities in children is reviewed, and available data are summarized. Available from: American Medical Association 535 North Dearborn Street Chicago, Illinois 60610. (JG)

  16. Navy Additive Manufacturing: Policy Analysis for Future DLA Material Support

    Science.gov (United States)

    2014-12-01

    Nuclear) DLA Defense Logistics Agency DOD Department of Defense EBM Electron Beam Melting EDO Engineering Duty Officer ELM Mobile Expeditionary...have physical form. The first patents for AM were filed in Japan , France and the U.S. in 1984. One of the U.S. patents was filed by Charles Hull, and...2015 (OPNAV N41, 2014). The major AM modalities emerged in 1989 (Gibson et al., 2010), but other technologies from that period , such as the

  17. Additional Research Needs to Support the GENII Biosphere Models

    Energy Technology Data Exchange (ETDEWEB)

    Napier, Bruce A. [Pacific Northwest National Lab. (PNNL), Richland, WA (United States); Snyder, Sandra F. [Pacific Northwest National Lab. (PNNL), Richland, WA (United States); Arimescu, Carmen [Pacific Northwest National Lab. (PNNL), Richland, WA (United States)

    2013-11-01

    In the course of evaluating the current parameter needs for the GENII Version 2 code (Snyder et al. 2013), areas of possible improvement for both the data and the underlying models have been identified. As the data review was implemented, PNNL staff identified areas where the models can be improved both to accommodate the locally significant pathways identified and also to incorporate newer models. The areas are general data needs for the existing models and improved formulations for the pathway models.

  18. 28 CFR 4.4 - Supporting affidavit; additional information.

    Science.gov (United States)

    2010-07-01

    ... schools attended. (3) History of marital and family status, including a statement as to whether any... organizing, concerted activities, or collective bargaining activities. (4) Present employment, including... employers or employee benefit plans which he has advised or represented concerning employee organizing...

  19. Fused Lasso Additive Model.

    Science.gov (United States)

    Petersen, Ashley; Witten, Daniela; Simon, Noah

    2016-01-01

    We consider the problem of predicting an outcome variable using p covariates that are measured on n independent observations, in a setting in which additive, flexible, and interpretable fits are desired. We propose the fused lasso additive model (FLAM), in which each additive function is estimated to be piecewise constant with a small number of adaptively-chosen knots. FLAM is the solution to a convex optimization problem, for which a simple algorithm with guaranteed convergence to a global optimum is provided. FLAM is shown to be consistent in high dimensions, and an unbiased estimator of its degrees of freedom is proposed. We evaluate the performance of FLAM in a simulation study and on two data sets. Supplemental materials are available online, and the R package flam is available on CRAN.

  20. Alternative additives; Alternative additiver

    Energy Technology Data Exchange (ETDEWEB)

    2007-08-15

    In this project a number of industrial and agricultural waste products have been characterised and evaluated in terms of alkali-getter performance. The intended use is for biomass-fired power stations aiming at reducing corrosion or slagging related problems. The following products have been obtained, characterised and evaluated: 1) Brewery draff 2) Danish de-gassed manure 3) Paper sludge 4) Moulding sand 5) Spent bleaching earth 6) Anorthosite 7) Sand 8) Clay-sludge. Most of the above alternative additive candidates are deemed unsuitable due to insufficient chemical effect and/or expensive requirements for pre-treatment (such as drying and transportation). 3 products were selected for full-scale testing: de-gassed manure, spent bleaching earth and clay slugde. The full scale tests were undertaken at the biomass-fired power stations in Koege, Slagelse and Ensted. Spent bleaching earth (SBE) and clay sludge were the only tested additive candidates that had a proven ability to react with KCl, to thereby reduce Cl-concentrations in deposits, and reduce the deposit flux to superheater tubes. Their performance was shown to nearly as good as commercial additives. De-gassed manure, however, did not evaluate positively due to inhibiting effects of Ca in the manure. Furthermore, de-gassed manure has a high concentration of heavy metals, which imposes a financial burden with regard to proper disposal of the ash by-products. Clay-sludge is a wet clay slurring, and drying and transportation of this product entails substantial costs. Spent bleaching does not require much pre-treatment and is therefore the most promising alternative additive. On the other hand, bleaching earth contains residual plant oil which means that a range of legislation relating to waste combustion comes into play. Not least a waste combustion fee of 330 DKK/tonne. For all alternative (and commercial) additives disposal costs of the increase ash by-products represents a significant cost. This is

  1. From additivity to synergism

    DEFF Research Database (Denmark)

    Ritz, Christian; Streibig, Jens Carl

    2014-01-01

    Interest in synergistic or antagonistic effects through mixture experiments has grown immensely over the past two decades, not the least within in pharmacology and toxicology. Several definitions of reference models exist; one commonly used reference model is concentration or dose addition, which...... assumes compounds, when administrated simultaneously, do not interfere with each other at the site of action. We focus on statistical modelling that allows evaluation of dose addition. We will describe several statistical approaches that are suitable for analysis mixture data where synergistic...... or antagonistic effects may be present. The statistical models are defined and explained and some of the approaches exemplified. Code in open-source software is provided....

  2. Additives in plastics.

    Science.gov (United States)

    Deanin, R D

    1975-01-01

    The polymers used in plastics are generally harmless. However, they are rarely used in pure form. In almost all commercial plastics, they are "compounded" with monomeric ingredients to improve their processing and end-use performance. In order of total volume used, these monomeric additives may be classified as follows: reinforcing fibers, fillers, and coupling agents; plasticizers; colorants; stabilizers (halogen stabilizers, antioxidants, ultraviolet absorbers, and biological preservatives); processing aids (lubricants, others, and flow controls); flame retardants, peroxides; and antistats. Some information is already available, and much more is needed, on potential toxicity and safe handling of these additives during processing and manufacture of plastics products. PMID:1175566

  3. Advances in Additive Manufacturing

    Science.gov (United States)

    2016-07-14

    State University, Applied Research Laboratory • Rich Martukanitz • Ken Meinert • Ted Reutzel • Jay Keist • Griffin Jones • Jay Tressler...Directorate. In this talk we highlight a few projects in additively manufactured electronics (e.g., batteries, capacitors, antennas) that span bench

  4. Biobased lubricant additives

    Science.gov (United States)

    Fully biobased lubricants are those formulated using all biobased ingredients, i.e. biobased base oils and biobased additives. Such formulations provide the maximum environmental, safety, and economic benefits expected from a biobased product. Currently, there are a number of biobased base oils that...

  5. Precursor Additive Manufacturing Inventions

    Science.gov (United States)

    Roberts, C.; Bourell, D.

    2018-03-01

    Most modern Additive Manufacturing (AM) processes were invented and commercialized in a short period of time spanning 1984-2000. This paper reports on AM processes invented in the 1974-1987 time period, known as precursor AM processes. The critical difference between the two periods is public knowledge and utilization of distributed computing.

  6. Model Additional Protocol

    International Nuclear Information System (INIS)

    Rockwood, Laura

    2001-01-01

    Since the end of the cold war a series of events has changed the circumstances and requirements of the safeguards system. The discovery of a clandestine nuclear weapons program in Iraq, the continuing difficulty in verifying the initial report of Democratic People's Republic of Korea upon entry into force of their safeguards agreement, and the decision of the South African Government to give up its nuclear weapons program and join the Treaty on the Non-Proliferation of Nuclear Weapons have all played a role in an ambitious effort by IAEA Member States and the Secretariat to strengthen the safeguards system. A major milestone in this effort was reached in May 1997 when the IAEA Board of Governors approved a Model Protocol Additional to Safeguards Agreements. The Model Additional Protocol was negotiated over a period of less than a year by an open-ended committee of the Board involving some 70 Member States and two regional inspectorates. The IAEA is now in the process of negotiating additional protocols, State by State, and implementing them. These additional protocols will provide the IAEA with rights of access to information about all activities related to the use of nuclear material in States with comprehensive safeguards agreements and greatly expanded physical access for IAEA inspectors to confirm or verify this information. In conjunction with this, the IAEA is working on the integration of these measures with those provided for in comprehensive safeguards agreements, with a view to maximizing the effectiveness and efficiency, within available resources, the implementation of safeguards. Details concerning the Model Additional Protocol are given. (author)

  7. Additive manufactured serialization

    Science.gov (United States)

    Bobbitt, III, John T.

    2017-04-18

    Methods for forming an identifying mark in a structure are described. The method is used in conjunction with an additive manufacturing method and includes the alteration of a process parameter during the manufacturing process. The method can form in a unique identifying mark within or on the surface of a structure that is virtually impossible to be replicated. Methods can provide a high level of confidence that the identifying mark will remain unaltered on the formed structure.

  8. Development of Additive Construction Technologies for Application to Development of Lunar/Martian Surface Structures Using In-Situ Materials

    Science.gov (United States)

    Werkheiser, Niki J.; Fiske, Michael R.; Edmunson, Jennifer E.; Khoshnevis, Berokh

    2015-01-01

    For long-duration missions on other planetary bodies, the use of in situ materials will become increasingly critical. As human presence on these bodies expands, so must the breadth of the structures required to accommodate them including habitats, laboratories, berms, radiation shielding for natural radiation and surface reactors, garages, solar storm shelters, greenhouses, etc. Planetary surface structure manufacturing and assembly technologies that incorporate in situ resources provide options for autonomous, affordable, pre-positioned environments with radiation shielding features and protection from micrometeorites, exhaust plume debris, and other hazards. The ability to use in-situ materials to construct these structures will provide a benefit in the reduction of up-mass that would otherwise make long-term Moon or Mars structures cost prohibitive. The ability to fabricate structures in situ brings with it the ability to repair these structures, which allows for the self-sufficiency and sustainability necessary for long-duration habitation. Previously, under the auspices of the MSFC In-Situ Fabrication and Repair (ISFR) project and more recently, under the jointly-managed MSFC/KSC Additive Construction with Mobile Emplacement (ACME) project, the MSFC Surface Structures Group has been developing materials and construction technologies to support future planetary habitats with in-situ resources. One such additive construction technology is known as Contour Crafting. This paper presents the results to date of these efforts, including development of novel nozzle concepts for advanced layer deposition using this process. Conceived initially for rapid development of cementitious structures on Earth, it also lends itself exceptionally well to the automated fabrication of planetary surface structures using minimally processed regolith as aggregate, and binders developed from in situ materials as well. This process has been used successfully in the fabrication of

  9. SPORT FOOD ADDITIVE CLASSIFICATION

    Directory of Open Access Journals (Sweden)

    I. P. Prokopenko

    2015-01-01

    Full Text Available Correctly organized nutritive and pharmacological support is an important component of an athlete's preparation for competitions, an optimal shape maintenance, fast recovery and rehabilitation after traumas and defatigation. Special products of enhanced biological value (BAS for athletes nutrition are used with this purpose. Easy-to-use energy sources are administered into athlete's organism, yielded materials and biologically active substances which regulate and activate exchange reactions which proceed with difficulties during certain physical trainings. The article presents sport supplements classification which can be used before warm-up and trainings, after trainings and in competitions breaks.

  10. 78 FR 35429 - Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-06-12

    ... were steered into subprime loans as well. The Federal Reserve Board on July 18, 2011 issued a consent... consumers into more costly subprime loans and separately falsified income information in mortgage....gov/newsevents/press/enforcement/20110720a.htm . Because subprime and Alt-A loans involved additional...

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

    Directory of Open Access Journals (Sweden)

    Luca Casolaro

    2012-04-01

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

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

    Directory of Open Access Journals (Sweden)

    Sinem Gözde BEŞBALLI

    2010-01-01

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

  13. Gasoline detergent additive

    Energy Technology Data Exchange (ETDEWEB)

    Herbstman, S.; Hayden, T.E.; Nalesnik, T.E.; Benfaremo, N.

    1991-07-09

    This patent describes a gasoline fuel composition. It comprises a major portion of a gasoline fuel and a minor amount, as a gasoline detergent additive, of a Mannich coupled product of bis-polyisobutylene succinimide of an amine, prepared by: reacting an alkenyl succinimide acid anhydride with an amine to form a bis-succinimide; treating the bis-succinimide with nonylphenol in the presence of an aldehyde to form a Mannich phenol coupled bis-succinimide product; and recovering the product Mannich phenol coupled bis-succinimide.

  14. BWR zinc addition Sourcebook

    International Nuclear Information System (INIS)

    Garcia, Susan E.; Giannelli, Joseph F.; Jarvis, Alfred J.

    2014-01-01

    Boiling Water Reactors (BWRs) have been injecting zinc into the primary coolant via the reactor feedwater system for over 25 years for the purpose of controlling primary system radiation fields. The BWR zinc injection process has evolved since the initial application at the Hope Creek Nuclear Station in 1986. Key transitions were from the original natural zinc oxide (NZO) to depleted zinc oxide (DZO), and from active zinc injection of a powdered zinc oxide slurry (pumped systems) to passive injection systems (zinc pellet beds). Zinc addition has continued through various chemistry regimes changes, from normal water chemistry (NWC) to hydrogen water chemistry (HWC) and HWC with noble metals (NobleChem™) for mitigation of intergranular stress corrosion cracking (IGSCC) of reactor internals and primary system piping. While past reports published by the Electric Power Research Institute (EPRI) document specific industry experience related to these topics, the Zinc Sourcebook was prepared to consolidate all of the experience gained over the past 25 years. The Zinc Sourcebook will benefit experienced BWR Chemistry, Operations, Radiation Protection and Engineering personnel as well as new people entering the nuclear power industry. While all North American BWRs implement feedwater zinc injection, a number of other BWRs do not inject zinc. This Sourcebook will also be a valuable resource to plants considering the benefits of zinc addition process implementation, and to gain insights on industry experience related to zinc process control and best practices. This paper presents some of the highlights from the Sourcebook. (author)

  15. Reinforcement with fluoroplastic additives

    Energy Technology Data Exchange (ETDEWEB)

    Morgan, R.A.; Stewart, C.W.; Thomas, E.W.; Stahl, W.M.

    1991-05-01

    The use of high molecular weight polytetrafluoroethylene (PTFE) as a reinforcing additive to improve the tear strength of elastomers was studied in silicone rubber by the mid-1950s and in fluoroelastomers by the late-1960s. Although the PTFE is added as a powder, the shear developed during compounding into an elastomer fibrillates the power into a continuous network of nodes and fibers. This network structure effectively reinforces elastomers but it also leads to distortion of finished parts and unacceptably high hardness and modulus of vulcanizates. A new high molecular weight TFE/HFP fluoroplastic micropowder has recently been developed (Teflon MP1500, Du Pont) which forms short fibers, ribbons or platelets when compounded with sufficient shear into elastomers. The controlled structure developed during compounding allows high levels of incorporation of the micropowder into elastomers with uniform dispersion and results in significant improvements in tear strength and abrasion resistance, as well as reduced coefficients of friction.

  16. Sewage sludge additive

    Science.gov (United States)

    Kalvinskas, J. J.; Mueller, W. A.; Ingham, J. D. (Inventor)

    1980-01-01

    The additive is for a raw sewage treatment process of the type where settling tanks are used for the purpose of permitting the suspended matter in the raw sewage to be settled as well as to permit adsorption of the dissolved contaminants in the water of the sewage. The sludge, which settles down to the bottom of the settling tank is extracted, pyrolyzed and activated to form activated carbon and ash which is mixed with the sewage prior to its introduction into the settling tank. The sludge does not provide all of the activated carbon and ash required for adequate treatment of the raw sewage. It is necessary to add carbon to the process and instead of expensive commercial carbon, coal is used to provide the carbon supplement.

  17. From eLending to eTeaching: Transitioning e-Reading Tools from the Library to the Classromm

    OpenAIRE

    Cath, Adam Eelke

    2012-01-01

    In 2003 Texas A&M University established an engineering campus in Qatar Foundation’s Education City in Doha, Qatar. In addition to engineering, instruction is also provided in science, mathematics, liberal arts and humanities. From the beginning it was intended that the library at Qatar campus would have a small physical presence but have full access to all Texas A&M electronic resources. One of the by-products of this has been a concerted ongoing investigation into electronic alternatives to...

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

    Directory of Open Access Journals (Sweden)

    Marina Trpeska

    2017-12-01

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

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

    Directory of Open Access Journals (Sweden)

    Vittorio Lippi

    2017-09-01

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

  20. Effects of the addition of functional electrical stimulation to ground level gait training with body weight support after chronic stroke Efeitos da adição da estimulação elétrica funcional ao treino de marcha em piso fixo com suporte parcial de peso após acidente vascular encefálico crônico

    Directory of Open Access Journals (Sweden)

    Christiane L. Prado-Medeiros

    2011-12-01

    Full Text Available BACKGROUND: The addition of functional electrical stimulation (FES to treadmill gait training with partial body weight support (BWS has been proposed as a strategy to facilitate gait training in people with hemiparesis. However, there is a lack of studies that evaluate the effectiveness of FES addition on ground level gait training with BWS, which is the most common locomotion surface. OBJECTIVE: To investigate the additional effects of commum peroneal nerve FES combined with gait training and BWS on ground level, on spatial-temporal gait parameters, segmental angles, and motor function. METHODS: Twelve people with chronic hemiparesis participated in the study. An A1-B-A2 design was applied. A1 and A2 corresponded to ground level gait training using BWS, and B corresponded to the same training with the addition of FES. The assessments were performed using the Modified Ashworth Scale (MAS, Functional Ambulation Category (FAC, Rivermead Motor Assessment (RMA, and filming. The kinematics analyzed variables were mean walking speed of locomotion; step length; stride length, speed and duration; initial and final double support duration; single-limb support duration; swing period; range of motion (ROM, maximum and minimum angles of foot, leg, thigh, and trunk segments. RESULTS: There were not changes between phases for the functional assessment of RMA, for the spatial-temporal gait variables and segmental angles, no changes were observed after the addition of FES. CONCLUSION: The use of FES on ground level gait training with BWS did not provide additional benefits for all assessed parameters.CONTEXTUALIZAÇÃO: A adição da estimulação elétrica funcional (EEF ao treino de marcha em esteira, com sistema de suporte parcial de peso corporal (SPPC, tem sido proposta como estratégia para melhorar a marcha em hemiparéticos. Entretanto, nenhum estudo verificou a eficácia da adição da EEF ao treino de marcha com SPPC em piso fixo, a superfície mais

  1. 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.

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

    Directory of Open Access Journals (Sweden)

    G.A. KESSLER

    2013-12-01

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

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

    Energy Technology Data Exchange (ETDEWEB)

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

    2000-02-01

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

  4. Neutron Characterization for Additive Manufacturing

    Science.gov (United States)

    Watkins, Thomas; Bilheux, Hassina; An, Ke; Payzant, Andrew; DeHoff, Ryan; Duty, Chad; Peter, William; Blue, Craig; Brice, Craig A.

    2013-01-01

    Oak Ridge National Laboratory (ORNL) is leveraging decades of experience in neutron characterization of advanced materials together with resources such as the Spallation Neutron Source (SNS) and the High Flux Isotope Reactor (HFIR) shown in Fig. 1 to solve challenging problems in additive manufacturing (AM). Additive manufacturing, or three-dimensional (3-D) printing, is a rapidly maturing technology wherein components are built by selectively adding feedstock material at locations specified by a computer model. The majority of these technologies use thermally driven phase change mechanisms to convert the feedstock into functioning material. As the molten material cools and solidifies, the component is subjected to significant thermal gradients, generating significant internal stresses throughout the part (Fig. 2). As layers are added, inherent residual stresses cause warping and distortions that lead to geometrical differences between the final part and the original computer generated design. This effect also limits geometries that can be fabricated using AM, such as thin-walled, high-aspect- ratio, and overhanging structures. Distortion may be minimized by intelligent toolpath planning or strategic placement of support structures, but these approaches are not well understood and often "Edisonian" in nature. Residual stresses can also impact component performance during operation. For example, in a thermally cycled environment such as a high-pressure turbine engine, residual stresses can cause components to distort unpredictably. Different thermal treatments on as-fabricated AM components have been used to minimize residual stress, but components still retain a nonhomogeneous stress state and/or demonstrate a relaxation-derived geometric distortion. Industry, federal laboratory, and university collaboration is needed to address these challenges and enable the U.S. to compete in the global market. Work is currently being conducted on AM technologies at the ORNL

  5. Supporting Families to Support Students

    Science.gov (United States)

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

    2018-01-01

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

  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. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

    channel, due to the presence of collateralized borrowers, and (ii) a banking attenuator effect, which crucially arises from the spread in interest rates caused by the introduction of monopolistically competitive financial intermediaries. We show how the classical amplification mechanism explored in models...... of private borrowing between collaterally-constrained 'impatient' households and unconstrained 'patient' households, such as those put forward by Kiyotaki and Moore (1997) and Iacoviello (2005), is counteracted by the banking attenuator effect, given an endogenous steady state spread between loan and savings...

  8. Corporate globalization and bank lending

    OpenAIRE

    Shujing Li; Jiaping Qiu; Chi Wan

    2011-01-01

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

  9. 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

  10. effects of sulphur addition on addition on and mechanical properties

    African Journals Online (AJOL)

    User

    234-8034714355. 8034714355. 1. EFFECTS OF SULPHUR ADDITION ON. ADDITION ON. 2. AND MECHANICAL PROPERTIES O. 3. 4. C. W. Onyia. 5. 1DEPT. OF METALLURGICAL AND MATERIALS. 6. 2, 4DEPT. OF METALLURGICAL ...

  11. Study Protocol: The Norfolk Diabetes Prevention Study [NDPS]: a 46 month multi - centre, randomised, controlled parallel group trial of a lifestyle intervention [with or without additional support from lay lifestyle mentors with Type 2 diabetes] to prevent transition to Type 2 diabetes in high risk groups with non - diabetic hyperglycaemia, or impaired fasting glucose.

    Science.gov (United States)

    Pascale, Melanie; Murray, Nikki; Bachmann, Max; Barton, Garry; Clark, Allan; Howe, Amanda; Greaves, Colin; Sampson, Mike

    2017-01-06

    This 7 year NIHR programme [2011-2018] tests the primary hypothesis that the NDPS diet and physical activity intervention will reduce the risk of transition to type 2 diabetes (T2DM) in groups at high risk of Type 2 diabetes. The NDPS programme recognizes the need to reduce intervention costs through group delivery and the use of lay mentors with T2DM, the realities of normal primary care, and the complexity of the current glycaemic categorisation of T2DM risk. NDPS identifies people at highest risk of T2DM on the databases of 135 general practices in the East of England for further screening with ab fasting plasma glucose and glycosylated haemoglobin [HbA1c]. Those with an elevated fasting plasma glucose [impaired fasting glucose or IFG] with or without an elevated HbA1c [non -diabetic hyperglycaemia; NDH] are randomised into three treatment arms: a control arm receiving no trial intervention, an arm receiving an intensive bespoke group-based diet and physical activity intervention, and an arm receiving the same intervention with enhanced support from people with T2DM trained as diabetes prevention mentors [DPM]. The primary end point is cumulative transition rates to T2DM between the two intervention groups, and between each intervention group and the control group at 46 months. Participants with screen detected T2DM are randomized into an equivalent prospective controlled trial with the same intervention and control arms with glycaemic control [HbA1c] at 46 months as the primary end point. Participants with NDH and a normal fasting plasma glucose are randomised into an equivalent prospective controlled intervention trial with follow up for 40 months. The intervention comprises six education sessions for the first 12 weeks and then up to 15 maintenance sessions until intervention end, all delivered in groups, with additional support from a DPM in one treatment arm. The NDPS programme reports in 2018 and will provide trial outcome data for a group delivered

  12. effects of sulphur addition on addition on and mechanical properties

    African Journals Online (AJOL)

    User

    The effects of sulphur addition addition addition on the microstruc on the microstruc. 14. Al-12wt%Si alloy have alloy have alloy have been investigated in thi been investigated in this been investigated in thi been investigated .... ce sand castings for micro-structural structural structural carried out carried out to determine the.

  13. Advanced Manufacturing Technologies (AMT): Additive Construction for Mobile Emplacement (ACME) Project

    Data.gov (United States)

    National Aeronautics and Space Administration — Conventional methods of manufacturing automation do not lend themselves to construction of large structures with internal features, especially if various other...

  14. ADDITIVES USED TO OBTAIN FOOD

    Directory of Open Access Journals (Sweden)

    Dorina Ardelean

    2012-01-01

    Full Text Available Use of food additives in food is determined by the growth of contemporary food needs of the world population. Additives used in food, both natural and artificial ones, contribute to: improving the organoleptic characteristics and to preserve the food longer, but we must not forget that all these additives should not be found naturally in food products. Some of these additives are not harmful and human pests in small quantities, but others may have harmful effects on health.

  15. Supporting Info

    Data.gov (United States)

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

  16. Supporting Info

    Data.gov (United States)

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

  17. Supporting Information

    Data.gov (United States)

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

  18. Generalized Additive Models for Nowcasting Cloud Shading

    Czech Academy of Sciences Publication Activity Database

    Brabec, Marek; Paulescu, M.; Badescu, V.

    2014-01-01

    Roč. 101, March (2014), s. 272-282 ISSN 0038-092X R&D Projects: GA MŠk LD12009 Grant - others:European Cooperation in Science and Technology(XE) COST ES1002 Institutional support: RVO:67985807 Keywords : sunshine number * nowcasting * generalized additive model * Markov chain Subject RIV: BB - Applied Statistics, Operational Research Impact factor: 3.469, year: 2014

  19. The Pill vs. the Sword: Additional Considerations

    Science.gov (United States)

    Lottes, Ilsa L.

    2015-01-01

    In this paper, I present additional information for policy-makers and researchers to consider in response to the view proposed by Potts et al that "the pill is mightier than the sword." I identify states with both high rates of terrorism and a youth bulge and discuss correlates of both these societal characteristics. The research examined supports the view that factors other than access to family planning are more important in facilitating terrorism. PMID:26673473

  20. The all-ceramic, inlay supported fixed partial denture. Part 4. Fracture surface analyses of an experimental model, all-ceramic, inlay supported fixed partial denture.

    Science.gov (United States)

    Thompson, M C; Sornsuwan, T; Swain, M V

    2013-06-01

    In the previous three papers, the authors sought to conduct a thorough analysis of the feasibility for the use of zirconia in inlay supported, fixed partial dentures via finite element analysis (FEA). Correlating the response of the numerical model against the experimental model has never been satisfactorily performed for an anatomically accurate ceramic bridge; such validation is crucial if the results from the FEA are to be confidently relied upon. Part 4 of this series is a detailed fractographic analysis of the zirconia bridge that was the model for the experimental validation, performed in order to confirm the fracture origin/s and fracture trajectory as predicted from the FEA. Established fractographic techniques involving optical examination followed by examination with scanning electron microscopy were conducted. The porous, granular surface of zirconia (both partially and fully sintered) does not lend itself to easy surface analysis but the classic fractographic signs (hackle lines, wake hackle lines and compression curl) are present. Use of linear fracture elastic mechanics allowed the calculation of theoretical critical flaw size and a comparison to two defects or inclusions found at the primary origin of fracture. Excellent agreement between the fracture sites and paths of travel as predicted in the numerical analysis exist with fractographic analysis. Furthermore, the calculated critical flaw size of 30 μm to 40 μm equates very well with defects seen at the general vicinity of the primary fracture origin and the general observed size of critical flaws in machined ceramics which range between 20 μm to 50 μm, thus providing further confirmation. The fractographic analysis detailed in this study provides validation of the 'zones of failure' as predicted in our FEA. Additionally, the excellent correlation between the calculated critical flaw size and the defects observed at the primary fracture site demonstrates that field of experimental mechanics is

  1. Mirror Support

    Science.gov (United States)

    Baron, Richard L. (Inventor)

    2013-01-01

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

  2. Supporting ATLAS

    CERN Multimedia

    maximilien brice

    2003-01-01

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

  3. Supporting Transition

    Science.gov (United States)

    Qureshi, Asima; Petrucco, James

    2018-01-01

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

  4. Additive Construction with Mobile Emplacement (ACME)

    Science.gov (United States)

    Vickers, John

    2015-01-01

    The Additive Construction with Mobile Emplacement (ACME) project is developing technology to build structures on planetary surfaces using in-situ resources. The project focuses on the construction of both 2D (landing pads, roads, and structure foundations) and 3D (habitats, garages, radiation shelters, and other structures) infrastructure needs for planetary surface missions. The ACME project seeks to raise the Technology Readiness Level (TRL) of two components needed for planetary surface habitation and exploration: 3D additive construction (e.g., contour crafting), and excavation and handling technologies (to effectively and continuously produce in-situ feedstock). Additionally, the ACME project supports the research and development of new materials for planetary surface construction, with the goal of reducing the amount of material to be launched from Earth.

  5. Color Addition and Subtraction Apps

    Science.gov (United States)

    Ruiz, Frances; Ruiz, Michael J.

    2015-01-01

    Color addition and subtraction apps in HTML5 have been developed for students as an online hands-on experience so that they can more easily master principles introduced through traditional classroom demonstrations. The evolution of the additive RGB color model is traced through the early IBM color adapters so that students can proceed step by step…

  6. Additive interaction in survival analysis

    DEFF Research Database (Denmark)

    Rod, Naja Hulvej; Lange, Theis; Andersen, Ingelise

    2012-01-01

    It is a widely held belief in public health and clinical decision-making that interventions or preventive strategies should be aimed at patients or population subgroups where most cases could potentially be prevented. To identify such subgroups, deviation from additivity of absolute effects...... of additive interaction derived from multiplicative models-an approach that is both counter-intuitive and sometimes invalid. This paper presents a straightforward and intuitive way of assessing deviation from additivity of effects in survival analysis by use of the additive hazards model. The model directly...... an empirical example of interaction between education and smoking on risk of lung cancer. We argue that deviations from additivity of effects are important for public health interventions and clinical decision-making, and such estimations should be encouraged in prospective studies on health. A detailed...

  7. Calcium addition in straw gasification

    DEFF Research Database (Denmark)

    Risnes, H.; Fjellerup, Jan Søren; Henriksen, Ulrik Birk

    2003-01-01

    The present work focuses on the influence of calcium addition in gasification. The inorganic¿organic element interaction as well as the detailed inorganic¿inorganic elements interaction has been studied. The effect of calcium addition as calcium sugar/molasses solutions to straw significantly...... affected the ash chemistry and the ash sintering tendency but much less the char reactivity. Thermo balance test are made and high-temperature X-ray diffraction measurements are performed, the experimental results indicate that with calcium addition major inorganic¿inorganic reactions take place very late...

  8. Supporting Members and Friends

    Science.gov (United States)

    2005-10-01

    Thank you! Over the past year, AGU has received 12,104 gifts, both large and small, from members and friends. The Union has also received corporate contributions, National Science Foundation grants, and support from the National Oceanographic Partnership Program and National Association of Geoscience Teachers. Together their generosity has benefited AGU non revenue producing programs that are critical to our science and the future health of the Union. The following list gratefully acknowledges annual gifts of $100 or more and cumulative giving of $5,000 or more. The 1919 Society ($100,000 or more) and Benefactors ($5,000-$99,999) recognize single major gifts and cumulative contributions. Three circles acknowledge annual giving: President's Circle ($1,000 or more), Leadership Circle ($200-$999), and Supporters Circle ($100-$199). Supporting Life Members, who contribute a one-time gift of $1,200 in addition to lifetime dues, are among our most loyal Supporters.

  9. Prevalence of Food Additive Intolerance

    DEFF Research Database (Denmark)

    Madsen, Charlotte Bernhard

    1994-01-01

    1 The existing prevalence estimates of food additive intolerance(1-4) are being reviewed. 2 In the EEC report the estimated frequency of food additive intolerance is 0.03% to 0.15% based on data from patient groups. 3 The British population study results in a prevalence estimate of 0...... The prevalence estimates vary with a factor 100. As the results vary so do the study populations. 6 If the different study populations are accounted for, a common conclusion can be drawn: Food additive intolerance is found in adults with atopic symptoms from the respiratory tract and skin. The prevalence...... estimates are questionable but may be less than 0.15%. In adults and children with reproducible, and with more subjective symptoms, such as headache and behavioural/mood change the prevalence is even lower (0.026%). Food additive intolerance is primarily found in atopic children with cutaneous symptoms...

  10. How Safe Are Color Additives?

    Science.gov (United States)

    ... additive is also identified by its uncertified name, "tartrazine." FDA can take action against companies if there ... RSS Feed More in Consumer Updates Animal & Veterinary Children's Health Cosmetics Dietary Supplements Drugs Food Medical Devices ...

  11. Prevalence of Food Additive Intolerance

    DEFF Research Database (Denmark)

    Madsen, Charlotte Bernhard

    1994-01-01

    estimates are questionable but may be less than 0.15%. In adults and children with reproducible, and with more subjective symptoms, such as headache and behavioural/mood change the prevalence is even lower (0.026%). Food additive intolerance is primarily found in atopic children with cutaneous symptoms......1 The existing prevalence estimates of food additive intolerance(1-4) are being reviewed. 2 In the EEC report the estimated frequency of food additive intolerance is 0.03% to 0.15% based on data from patient groups. 3 The British population study results in a prevalence estimate of 0.......026%. The challenged population is 81 children and adults with a history of reproducible clinical symptoms after ingestion of food additives. 4 In the Danish population study a prevalence of 1-2% is found in children age 5-16. In this study a total of 606 children mainly with atopic disease have been challenged. 5...

  12. Food additives: an ethical evaluation.

    Science.gov (United States)

    Mepham, Ben

    2011-01-01

    Food additives are an integral part of the modern food system, but opinion polls showing most Europeans have worries about them imply an urgent need for ethical analysis of their use. The existing literature on food ethics, safety assessment and animal testing. Food additives provide certain advantages in terms of many people's lifestyles. There are disagreements about the appropriate application of the precautionary principle and of the value and ethical validity of animal tests in assessing human safety. Most consumers have a poor understanding of the relative benefits and risks of additives, but concerns over food safety and animal testing remain high. Examining the impacts of food additives on consumer sovereignty, consumer health and on animals used in safety testing should allow a more informed debate about their appropriate uses.

  13. Controlled Hierarchical Structure Additive Manufacturing

    Data.gov (United States)

    National Aeronautics and Space Administration — Additive manufacturing methods (e.g. direct-write, stereolithography (SLA), etc.) will be used to place living organisms (e.g. bacteria, diatoms, etc.) at desired...

  14. Food additives and preschool children.

    Science.gov (United States)

    Martyn, Danika M; McNulty, Breige A; Nugent, Anne P; Gibney, Michael J

    2013-02-01

    Food additives have been used throughout history to perform specific functions in foods. A comprehensive framework of legislation is in place within Europe to control the use of additives in the food supply and ensure they pose no risk to human health. Further to this, exposure assessments are regularly carried out to monitor population intakes and verify that intakes are not above acceptable levels (acceptable daily intakes). Young children may have a higher dietary exposure to chemicals than adults due to a combination of rapid growth rates and distinct food intake patterns. For this reason, exposure assessments are particularly important in this age group. The paper will review the use of additives and exposure assessment methods and examine factors that affect dietary exposure by young children. One of the most widely investigated unfavourable health effects associated with food additive intake in preschool-aged children are suggested adverse behavioural effects. Research that has examined this relationship has reported a variety of responses, with many noting an increase in hyperactivity as reported by parents but not when assessed using objective examiners. This review has examined the experimental approaches used in such studies and suggests that efforts are needed to standardise objective methods of measuring behaviour in preschool children. Further to this, a more holistic approach to examining food additive intakes by preschool children is advisable, where overall exposure is considered rather than focusing solely on behavioural effects and possibly examining intakes of food additives other than food colours.

  15. 12 CFR 980.7 - Examinations; requests for additional information.

    Science.gov (United States)

    2010-01-01

    ... new business activity, nothing in this part shall limit the right of the Finance Board at any time to... business activity is consistent with the housing finance and community lending mission of the Banks and the... information. 980.7 Section 980.7 Banks and Banking FEDERAL HOUSING FINANCE BOARD NEW FEDERAL HOME LOAN BANK...

  16. Additive and non-additive effects on fitness traits

    African Journals Online (AJOL)

    GScholtz

    2014-11-09

    Nov 9, 2014 ... To develop effective suckler cow replacement strategies, beef producers must have information about breed-specific genetic effects for economically .... regression coefficients representing individual and maternal additive effects; βk and βl are partial regression coefficients representing individual and ...

  17. Evaluation of certain food additives.

    Science.gov (United States)

    2015-01-01

    This report represents the conclusions of a Joint FAO/WHO Expert Committee convened to evaluate the safety of various food additives, including flavouring agents, and to prepare specifications for identity and purity. The first part of the report contains a general discussion of the principles governing the toxicological evaluation of and assessment of dietary exposure to food additives, including flavouring agents. A summary follows of the Committee's evaluations of technical, toxicological and dietary exposure data for eight food additives (Benzoe tonkinensis; carrageenan; citric and fatty acid esters of glycerol; gardenia yellow; lutein esters from Tagetes erecta; octenyl succinic acid-modified gum arabic; octenyl succinic acid-modified starch; paprika extract; and pectin) and eight groups of flavouring agents (aliphatic and alicyclic hydrocarbons; aliphatic and aromatic ethers; ionones and structurally related substances; miscellaneous nitrogen-containing substances; monocyclic and bicyclic secondary alcohols, ketones and related esters; phenol and phenol derivatives; phenyl-substituted aliphatic alcohols and related aldehydes and esters; and sulfur-containing heterocyclic compounds). Specifications for the following food additives were revised: citric acid; gellan gum; polyoxyethylene (20) sorbitan monostearate; potassium aluminium silicate; and Quillaia extract (Type 2). Annexed to the report are tables summarizing the Committee's recommendations for dietary exposures to and toxicological evaluations of all of the food additives and flavouring agents considered at this meeting.

  18. Additive manufacturing of tunable lenses

    Science.gov (United States)

    Schlichting, Katja; Novak, Tobias; Heinrich, Andreas

    2017-02-01

    Individual additive manufacturing of optical systems based on 3D Printing offers varied possibilities in design and usage. In addition to the additive manufacturing procedure, the usage of tunable lenses allows further advantages for intelligent optical systems. Our goal is to bring the advantages of additive manufacturing together with the huge potential of tunable lenses. We produced tunable lenses as a bundle without any further processing steps, like polishing. The lenses were designed and directly printed with a 3D Printer as a package. The design contains the membrane as an optical part as well as the mechanical parts of the lens, like the attachments for the sleeves which contain the oil. The dynamic optical lenses were filled with an oil. The focal length of the lenses changes due to a change of the radius of curvature. This change is caused by changing the pressure in the inside of the lens. In addition to that, we designed lenses with special structures to obtain different areas with an individual optical power. We want to discuss the huge potential of this technology for several applications. Further, an appropriate controlling system is needed. Wéll show the possibilities to control and regulate the optical power of the lenses. The lenses could be used for illumination tasks, and in the future, for individual measurement tasks. The main advantage is the individuality and the possibility to create an individual design which completely fulfills the requirements for any specific application.

  19. Evaluation of certain food additives.

    Science.gov (United States)

    2017-01-01

    This report represents the conclusions of a Joint FAO/WHO Expert Committee convened to evaluate the safety of various food additives, including flavouring agents, with a view to concluding as to safety concerns and to preparing specifications for identity and purity. The first part of the report contains a general discussion of the principles governing the toxicological evaluation of and assessment of dietary exposure to food additives, including flavouring agents. A summary follows of the Committee’s evaluations of technical, toxicological and dietary exposure data for 10 food additives (Allura Red AC; carob bean gum; lutein esters from Tagetes erecta; octenyl succinic acid (OSA)– modified gum arabic; pectin; Quinoline Yellow; rosemary extract; steviol glycosides; tartrazine; and xanthan gum) and five groups of flavouring agents (alicyclic, alicyclic-fused and aromatic-fused ring lactones; aliphatic and aromatic amines and amides; aliphatic secondary alcohols, ketones and related esters; cinnamyl alcohol and related substances; and tetrahydrofuran and furanone derivatives). Specifications for the following food additives were revised: aspartame; cassia gum; citric and fatty acid esters of glycerol (CITREM); modified starches; octanoic acid; starch sodium octenyl succinate; and total colouring matters. Annexed to the report are tables summarizing the Committee’s recommendations for dietary exposures to and toxicological evaluations of all of the food additives, including flavouring agents, considered at this meeting.

  20. A temporary face support

    Energy Technology Data Exchange (ETDEWEB)

    Popov, V.I.; Bakhtin, V.N.; Tolkachev, N.I.

    1980-03-30

    A temporary face support is proposed. It includes a beam supported by hydraulic jacks on the housing of the cutter-loader with a working tool and rotary pressure regulator. It differs in that to decrease the volume of unsecured roofing in the face space between the leading edge of the beam and the cutting tool of the cutter-loader, the beam is hinged onto the housing of the rotary pressure regulator by a fastened connecting rod, and the hydraulic jacks are provided with additional powered elements with a mechanism that regulates the length of the cut-off plate of the hydraulic pump when the seam pressure changes.

  1. Support for breastfeeding mothers.

    Science.gov (United States)

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

    2007-01-24

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

  2. Calcium addition in straw gasification

    DEFF Research Database (Denmark)

    Risnes, H.; Fjellerup, Jan Søren; Henriksen, Ulrik Birk

    2003-01-01

    The present work focuses on the influence of calcium addition in gasification. The inorganic¿organic element interaction as well as the detailed inorganic¿inorganic elements interaction has been studied. The effect of calcium addition as calcium sugar/molasses solutions to straw significantly...... affected the ash chemistry and the ash sintering tendency but much less the char reactivity. Thermo balance test are made and high-temperature X-ray diffraction measurements are performed, the experimental results indicate that with calcium addition major inorganic¿inorganic reactions take place very late...... in the char conversion process. Comprehensive global equilibrium calculations predicted important characteristics of the inorganic ash residue. Equilibrium calculations predict the formation of liquid salt if sufficient amounts of Ca are added and according to experiments as well as calculations calcium binds...

  3. Additional disulfide bonds in insulin

    DEFF Research Database (Denmark)

    Vinther, Tine N; Pettersson, Ingrid; Huus, Kasper

    2015-01-01

    The structure of insulin, a glucose homeostasis-controlling hormone, is highly conserved in all vertebrates and stabilized by three disulfide bonds. Recently, we designed a novel insulin analogue containing a fourth disulfide bond located between positions A10-B4. The N-terminus of insulin's B......-chain is flexible and can adapt multiple conformations. We examined how well disulfide bond predictions algorithms could identify disulfide bonds in this region of insulin. In order to identify stable insulin analogues with additional disulfide bonds, which could be expressed, the Cβ cut-off distance had...... in comparison to analogues with additional disulfide bonds that were more difficult to predict. In contrast, addition of the fourth disulfide bond rendered all analogues resistant to fibrillation under stress conditions and all stable analogues bound to the insulin receptor with picomolar affinities. Thus...

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

    Science.gov (United States)

    Struck, James

    2011-09-01

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

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

    International Nuclear Information System (INIS)

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

    2008-01-01

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

  6. Renewable Fuel Standard (RFS2): Final Rule Additional Resources

    Science.gov (United States)

    The final rule of fuels and fuel additives: renewable fuel standard program is published on March 26, 2010 and is effective on July 1, 2010. You will find the links to this final rule and technical amendments supporting this rule.

  7. Renewable Fuel Standard Program (RFS1): Final Rule Additional Resources

    Science.gov (United States)

    The final rule of fuels and fuel additives: renewable fuel standard program is published on May 1, 2007 and is effective on September 1, 2007. You will find the links to this final rule and technical amendments supporting this rule.

  8. Supporting ATLAS

    CERN Multimedia

    2003-01-01

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

  9. Additive to clay drilling muds

    Energy Technology Data Exchange (ETDEWEB)

    Voytenko, V.S.; Nekrasova, V.B.; Nikitinskiy, E.L.; Ponomarev, V.N.

    1984-01-01

    The purpose of the invention is to improve the lubricating and strengthening properties of clay drilling muds. This goal is achieved because the lubricating and strengthening additive used is waste from the pulp and paper industry at the stage of reprocessing crude sulfate soap into phytosterol.

  10. Turbulent drag reduction by additives

    NARCIS (Netherlands)

    Kulmatova, D.

    2013-01-01

    Drag reduction involves many subjects of interest such as polymer science, fluid mechanics and applied mathematics. The use of additives to enhance flow in petroleum pipelines has received the greatest attention due to a significant commercial success. In this study, we study the effect of the

  11. (ICSID) ADDITIONAL FACILITY IN INTERNA

    African Journals Online (AJOL)

    Fr. Ikenga

    Abstract. The additional facility was made available to the world in 1978 by the International Centre for the. Settlement of Investment Disputes (ICSID)1. It is a detailed and extensive body of rules fashioned or tailored for proceedings that are not otherwise under the jurisdiction of ICSID. Traditionally, ICSID is. “a forum for ...

  12. Additive manufacturing in maxillofacial reconstruction

    Directory of Open Access Journals (Sweden)

    Dincă Luciana Laura

    2017-01-01

    Full Text Available In this paper the benefits of using additive manufacturing technologies in maxillofacial reconstruction are highlighted. Based on a real clinical case, the paper describes the manufacture of an implant prototype replacing the right zygomatic bone and a part of maxilla using additive manufacturing technologies. The face is the most expressive part of the human body that makes us unique. It was shown that the maxillofacial prostheses help to improve the psychological state of patients affected by, because low self esteem feeling appears commonly to this patients with the facial defects. The aim of this paper is to show how using additive manufacturing technologies methods within this research, the producing a surgical model will help surgeon to improve the pre-operative planning. For this we used additive manufacturing technologies such as Stereolitography to achieve the biomodel and FDM-fused deposition modelling to obtain a prototype model because these technologies make it possible to obtain prosthesis according to the physical and mechanical requirements of the region of implantation.

  13. Additively manufactured porous tantalum implants

    NARCIS (Netherlands)

    Wauthle, Ruben; Van Der Stok, Johan; Yavari, Saber Amin; Van Humbeeck, Jan; Kruth, Jean Pierre; Zadpoor, Amir Abbas; Weinans, Harrie; Mulier, Michiel; Schrooten, Jan

    2015-01-01

    The medical device industry's interest in open porous, metallic biomaterials has increased in response to additive manufacturing techniques enabling the production of complex shapes that cannot be produced with conventional techniques. Tantalum is an important metal for medical devices because of

  14. The challenges of additional protocol implementation

    International Nuclear Information System (INIS)

    Renis, Therese

    2001-01-01

    Full text: The IAEA Board of Governors approved the Model Protocol Additional to Safeguards Agreements, INFCIRC/540, (referred to as the Additional Protocol) in May 1997. The Additional Protocol provides for new mechanisms that include expanded information on State's nuclear activities to be declared to the IAEA and increased physical access to locations for IAEA inspectors. The objective is to provide the basis for gaining assurance of the absence of undeclared nuclear material and activities in a State. Although the Agency conducted field trials of various aspects of implementation of the Additional Protocol, the first actual implementation experience began with the entry into force of Australia's additional protocol in December of 1997. As of late August 2001,21 states have entered into force an additional protocol and another 35 states have signed the additional protocol but not yet entered the agreement into force. Because implementation of the Additional Protocol requires new activities to be carried out by the IAEA, new procedures, guidelines and training have been developed to support these activities. As more experience is gained these documents are being refined and additional ones developed to meet unforeseen needs. In addition, evaluation and follow-up of the expanded information and the results of increased access has required the Safeguards Department to expand and adapt its procedures and mode of operation. The challenge has been in establishing sufficient measures and the necessary infrastructure for consistent application of the additional protocol in such a way that they can be adapted as needed based on Agency experience. Initial development focused on the logistical aspects of implementing these new activities. These activities include the processing, handling and review of additional protocol declarations; planning, conducting and reporting on complementary access activities; and follow-up activities arising from information review or

  15. Information Architecture for Quality Management Support in Hospitals.

    Science.gov (United States)

    Rocha, Álvaro; Freixo, Jorge

    2015-10-01

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

  16. Tracing learning about astronomy during an ICT supported inquiry

    DEFF Research Database (Denmark)

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

    2012-01-01

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

  17. The Frontiers of Additive Manufacturing

    Energy Technology Data Exchange (ETDEWEB)

    Grote, Christopher John [Los Alamos National Lab. (LANL), Los Alamos, NM (United States)

    2016-03-03

    Additive manufacturing, more commonly known as 3-D printing, has become a ubiquitous tool in science for its precise control over mechanical design. For additive manufacturing to work, a 3-D structure is split into thin 2D slices, and then different physical properties, such as photo-polymerization or melting, are used to grow the sequential layers. The level of control allows not only for devices to be made with a variety of materials: e.g. plastics, metals, and quantum dots, but to also have finely controlled structures leading to other novel properties. While 3-D printing is widely used by hobbyists for making models, it also has industrial applications in structural engineering, biological tissue scaffolding, customized electric circuitry, fuel cells, security, and more.

  18. Dolomitic lime containing hydraulic additive

    International Nuclear Information System (INIS)

    Lagzdina, S.; Sedmalis, U.; Bidermanis, L.; Liepins, J.; Grosvalds, I.

    1997-01-01

    To obtain qualitative dolomitic lime the optimum calcination temperature of dolomite containing about 9 % of clayey substances is 900 deg C. The mechanical strength of dolomitic lime containing 30 % of brick waste additive after 6-9 months of hardening is 1.4-1.5 times higher than that of samples without hydraulic additive, for calcium lime - 2.2-2.6 times higher. Generally the mechanical strength of dolomitic lime is higher than that one of calcium lime. It can be explained by the active role of MgO in the hydration and hardening processes of dolomitic lime. Xray diffraction phase analysis was performed by X-ray diffractometer DPON-3M with Cu-K α emission filter

  19. Muonium addition to vinyl monomers

    International Nuclear Information System (INIS)

    Stadlbauer, J.M.; Ng, B.W.; Walker, D.C.; Jean, Y.C.; Ito, Y.

    1981-01-01

    The chemical rate constants for the addition of the muonium atom (Mu) across the vinyl double bonds of acrylamide, acrylic acid, acrylonitrile, methylmethacrylate, and styrene were determined in aqueous solution; they are, respectively, ksub(m) = 1.9x10 10 M -1 s -1 ,1.6x10 10 M -1 s -1 , 1.1x10 10 M -1 s -1 , 9.5x10 9 M -1 s -1 , and 1.1 x 10 9 M -1 . Since muonium can be considered a very light isotope of hydrogen, the kinetic isotope effects, ksub(M)/ksub(H), for acrylamide (1.1) and acrylonitrile (2.8) were calculated. The muonium rate constants of these monomers are also compared to those of hydroxyl and methyl radical addition where available. The muonium substituted free radical formed by reaction with styrene is represented by two peaks in the Fourier Transform of the μSR spectrum at 500, 1500 and 2500 G with a hyperfine coupling constant of 213.5 MHz. This spectrum shows that Mu addition to styrene occurs at the vinyl bond only and not at the benzene ring

  20. ADDITIONAL STREET BERBASIS APP INVENTOR

    Directory of Open Access Journals (Sweden)

    Mohammad Adib Adhi Prabowo

    2013-05-01

    Full Text Available Abstrak Seiring dengan perkembangan sistem operasi android, telah banyak aplikasi yang memanfaatkan fasilitas GPS dan Google Map, seperti untuk mencari rute, mendapatkan peta, mencari lokasi tertentu pada sebuah tempat. Akan tetapi seringkali pengguna perangkat bergerak kesulitan ketika ingin mengetahui beberapa tempat dan lokasi tertentu karena belum ada fasilitas yang menyediakan informasi lokasi suatu tempat. Walaupun ada informasi lokasi pada peta biasanya informasi yang diberikan lokasi tempat berskala besar, misalnya lokasi tempat wisata atau stasiun kereta api. Pengembangan aplikasi untuk skala kecil ini akan memberikan informasi yang dipresentasikan pada google map. Selama ini belum ada yang memberikan sebuah informasi lokasi tempat penting yang berskala kecil. Misalnya informasi lokasi  tambal ban, lokasi warung makan, lokasi laundry, dan lokasi bengkel motor. Oleh karena itu kami mencoba untuk mengembangkan aplikasi additional street berbasis android via App Inventor dengan bantuan google maps. Aplikasi additional street ini dapat memberikan informasi letak objek pada peta serta memberikan informasi jalan menuju lokasi tersebut dan detail informasi lokasi tersebut serta lokasi dari pengguna aplikasi tersebut. Kata Kunci: additional street, android, google maps, app inventor, GPS

  1. Support facilities

    International Nuclear Information System (INIS)

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

    1977-01-01

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

  2. 75 FR 56995 - Procurement List Proposed Additions and Deletion

    Science.gov (United States)

    2010-09-17

    ... Additions and Deletion AGENCY: Committee for Purchase From People Who Are Blind or Severely Disabled. ACTION: Proposed Additions to and Deletion From the Procurement List. SUMMARY: The Committee is proposing to add... aggregated by the Defense Logistics Agency Troop Support, Philadelphia, PA. Deletion Regulatory Flexibility...

  3. Matching Games with Additive Externalities

    DEFF Research Database (Denmark)

    Branzei, Simina; Michalak, Tomasz; Rahwan, Talal

    2012-01-01

    Two-sided matchings are an important theoretical tool used to model markets and social interactions. In many real life problems the utility of an agent is influenced not only by their own choices, but also by the choices that other agents make. Such an influence is called an externality. Whereas...... fully expressive representations of externalities in matchings require exponential space, in this paper we propose a compact model of externalities, in which the influence of a match on each agent is computed additively. In this framework, we analyze many-to-many and one-to-one matchings under neutral...

  4. Search for additional Higgs bosons

    CERN Document Server

    Meyer, Jochen; The ATLAS collaboration

    2017-01-01

    The discovery of a Higgs boson with the mass of about 125 GeV completed the particle content predicted by the Standard Model. Even though this model is well-established and consistent with many measurements, it is not capable to solely explain some observations. Many extension addressing this fact introduce additional Higgs-like bosons which can be either neutral, singly-charged or even doubly-charged. The current status of searches based on data of the ATLAS and CMS experiments at the LHC are presented. No indications for such particles were however found.

  5. Additive Manufacturing of Porous Metal

    Energy Technology Data Exchange (ETDEWEB)

    Dehoff, Ryan R. [Oak Ridge National Lab. (ORNL), Oak Ridge, TN (United States); Kirka, Michael M. [Oak Ridge National Lab. (ORNL), Oak Ridge, TN (United States)

    2017-06-01

    Currently, helium is obtained through separation from natural gas. The current industrial process incurs significant costs and requires large energy resources to successfully achieve separation. Through utilizing Additive Manufacturing (AM) technologies it is possible to reduce both of these burdens when refining helium gas. The ability to engineer porosity levels within Inconel 718 discs for controlled separation of helium from natural gas was investigated. Arrays of samples fabricated using the electron beam melting process were analyzed for their relative porosity density. Based upon the measurements, full scale discs were fabricated, and subsequently tested to determine their effectiveness in separating helium from liquefied natural gas.

  6. Metal Additive Manufacturing: A Review

    Science.gov (United States)

    Frazier, William E.

    2014-06-01

    This paper reviews the state-of-the-art of an important, rapidly emerging, manufacturing technology that is alternatively called additive manufacturing (AM), direct digital manufacturing, free form fabrication, or 3D printing, etc. A broad contextual overview of metallic AM is provided. AM has the potential to revolutionize the global parts manufacturing and logistics landscape. It enables distributed manufacturing and the productions of parts-on-demand while offering the potential to reduce cost, energy consumption, and carbon footprint. This paper explores the material science, processes, and business consideration associated with achieving these performance gains. It is concluded that a paradigm shift is required in order to fully exploit AM potential.

  7. Additive manufacturing of RF absorbers

    Science.gov (United States)

    Mills, Matthew S.

    The ability of additive manufacturing techniques to fabricate integrated electromagnetic absorbers tuned for specific radio frequency bands within structural composites allows for unique combinations of mechanical and electromagnetic properties. These composites and films can be used for RF shielding of sensitive electromagnetic components through in-plane and out-of-plane RF absorption. Structural composites are a common building block of many commercial platforms. These platforms may be placed in situations in which there is a need for embedded RF absorbing properties along with structural properties. Instead of adding radar absorbing treatments to the external surface of existing structures, which adds increased size, weight and cost; it could prove to be advantageous to integrate the microwave absorbing properties directly into the composite during the fabrication process. In this thesis, a method based on additive manufacturing techniques of composites structures with prescribed electromagnetic loss, within the frequency range 1 to 26GHz, is presented. This method utilizes screen printing and nScrypt micro dispensing to pattern a carbon based ink onto low loss substrates. The materials chosen for this study will be presented, and the fabrication technique that these materials went through to create RF absorbing structures will be described. The calibration methods used, the modeling of the RF structures, and the applications in which this technology can be utilized will also be presented.

  8. Mechanics of additively manufactured biomaterials.

    Science.gov (United States)

    Zadpoor, Amir A

    2017-06-01

    Additive manufacturing (3D printing) has found many applications in healthcare including fabrication of biomaterials as well as bioprinting of tissues and organs. Additively manufactured (AM) biomaterials may possess arbitrarily complex micro-architectures that give rise to novel mechanical, physical, and biological properties. The mechanical behavior of such porous biomaterials including their quasi-static mechanical properties and fatigue resistance is not yet well understood. It is particularly important to understand the relationship between the designed micro-architecture (topology) and the resulting mechanical properties. The current special issue is dedicated to understanding the mechanical behavior of AM biomaterials. Although various types of AM biomaterials are represented in the special issue, the primary focus is on AM porous metallic biomaterials. As a prelude to this special issue, this editorial reviews some of the latest findings in the mechanical behavior of AM porous metallic biomaterials so as to describe the current state-of-the-art and set the stage for the other studies appearing in the issue. Some areas that are important for future research are also briefly mentioned. Copyright © 2017 Elsevier Ltd. All rights reserved.

  9. Protocol for ADDITION-PRO

    DEFF Research Database (Denmark)

    Johansen, Nanna Borup; Hansen, Anne-Louise Smidt; Jensen, Troels M

    2012-01-01

    BACKGROUND: Screening programmes for type 2 diabetes inevitably find more individuals at high risk for diabetes than people with undiagnosed prevalent disease. While well established guidelines for the treatment of diabetes exist, less is known about treatment or prevention strategies...... for individuals found at high risk following screening. In order to make better use of the opportunities for primary prevention of diabetes and its complications among this high risk group, it is important to quantify diabetes progression rates and to examine the development of early markers of cardiovascular...... disease and microvascular diabetic complications. We also require a better understanding of the mechanisms that underlie and drive early changes in cardiometabolic physiology. The ADDITION-PRO study was designed to address these issues among individuals at different levels of diabetes risk recruited from...

  10. Topology Optimization for Additive Manufacturing

    DEFF Research Database (Denmark)

    Clausen, Anders

    microstructure for a material with programmable, nearly constant Poisson’s ratio for large deformations may be designed and fabricated using direct ink writing. Structures are generated for the full interval [−0.8, 0.8], all with uniform feature size and a continuous print path, ensuring the potential...... for scalable manufacturing. In relation to interface problems it is shown how a flexible void area may be included into a standard minimum compliance problem by employing an additional design variable field and a sensitivity filter. Furthermore, it is shown how the design of coated structures may be modeled...... as a differentiable topology optimization problem. This is done partly by using spatial gradients of the density variable in the interpolation function between the design variable field and physical variables, partly by employing a two-step filtering scheme in order to control the gradient field. The approach...

  11. Additivity of entropic uncertainty relations

    Directory of Open Access Journals (Sweden)

    René Schwonnek

    2018-03-01

    Full Text Available We consider the uncertainty between two pairs of local projective measurements performed on a multipartite system. We show that the optimal bound in any linear uncertainty relation, formulated in terms of the Shannon entropy, is additive. This directly implies, against naive intuition, that the minimal entropic uncertainty can always be realized by fully separable states. Hence, in contradiction to proposals by other authors, no entanglement witness can be constructed solely by comparing the attainable uncertainties of entangled and separable states. However, our result gives rise to a huge simplification for computing global uncertainty bounds as they now can be deduced from local ones. Furthermore, we provide the natural generalization of the Maassen and Uffink inequality for linear uncertainty relations with arbitrary positive coefficients.

  12. An Additive Manufacturing Test Artifact

    Science.gov (United States)

    Moylan, Shawn; Slotwinski, John; Cooke, April; Jurrens, Kevin; Donmez, M Alkan

    2014-01-01

    A test artifact, intended for standardization, is proposed for the purpose of evaluating the performance of additive manufacturing (AM) systems. A thorough analysis of previously proposed AM test artifacts as well as experience with machining test artifacts have inspired the design of the proposed test artifact. This new artifact is designed to provide a characterization of the capabilities and limitations of an AM system, as well as to allow system improvement by linking specific errors measured in the test artifact to specific sources in the AM system. The proposed test artifact has been built in multiple materials using multiple AM technologies. The results of several of the builds are discussed, demonstrating how the measurement results can be used to characterize and improve a specific AM system. PMID:26601039

  13. Additive manufacturing with polypropylene microfibers.

    Science.gov (United States)

    Haigh, Jodie N; Dargaville, Tim R; Dalton, Paul D

    2017-08-01

    The additive manufacturing of small diameter polypropylene microfibers is described, achieved using a technique termed melt electrospinning writing. Sequential fiber layering, which is important for accurate three-dimensional fabrication, was achieved with the smallest fiber diameter of 16.4±0.2μm obtained. The collector speed, temperature and melt flow rate to the nozzle were optimized for quality and minimal fiber pulsing. Of particular importance to the success of this method is appropriate heating of the collector plate, so that the electrostatically drawn filament adheres during the direct-writing process. By demonstrating the direct-writing of polypropylene, new applications exploiting the favorable mechanical, stability and biocompatible properties of this polymer are envisaged. Copyright © 2017. Published by Elsevier B.V.

  14. Additional Equipment for Soil Biodegradation

    Science.gov (United States)

    Vondráčková, Terezie; Kraus, Michal; Šál, Jiří

    2017-12-01

    Intensification of industrial production, increasing citizens’ living standards, expanding the consumer assortment mean in the production - consumption cycle a constantly increasing occurrence of waste material, which by its very nature must be considered as a source of useful raw materials in all branches of human activity. In addition to strict legislative requirements, a number of circumstances characterize waste management. It is mainly extensive transport associated with the handling and storage of large volumes of substances with a large assortment of materials (substances of all possible physical and chemical properties) and high demands on reliability and time coordination of follow-up processes. Considerable differences in transport distances, a large number of sources, processors and customers, and not least seasonal fluctuations in waste and strong price pressures cannot be overlooked. This highlights the importance of logistics in waste management. Soils that are contaminated with oil and petroleum products are hazardous industrial waste. Methods of industrial waste disposal are landfilling, biological processes, thermal processes and physical and chemical methods. The paper focuses on the possibilities of degradation of oil pollution, in particular biodegradation by bacteria, which is relatively low-cost among technologies. It is necessary to win the fight with time so that no ground water is contaminated. We have developed two additional devices to help reduce oil accident of smaller ranges. In the case of such an oil accident, it is necessary to carry out the permeability test of contaminated soil in time and, on this basis, to choose the technology appropriate to the accident - either in-sit biodegradation - at the site of the accident, or on-sit - to remove the soil and biodegrade it on the designated deposits. A special injection drill was developed for in-sit biodegradation, tossing and aeration equipment of the extracted soil was developed for

  15. Additive Transforms Paint into Insulation

    Science.gov (United States)

    2007-01-01

    Tech Traders Inc. sought assistance developing low-cost, highly effective coatings and paints that created useful thermal reflectance and were safe and non-toxic. In cooperation with a group of engineers at Kennedy Space Center., Tech Traders created Insuladd, a powder additive made up of microscopic, inert gas-filled, ceramic microspheres that can be mixed into ordinary interior or exterior paint, allowing the paint to act like a layer of insulation. When the paint dries, this forms a radiant heat barrier, turning the ordinary house paint into heat-reflecting thermal paint. According to Tech Traders, the product works with all types of paints and coatings and will not change the coverage rate, application, or adhesion of the paint. Other useful applications include feed storage silos to help prevent feed spoilage, poultry hatcheries to reduce the summer heat and winter cold effects, and on military vehicles and ships. Tech Traders has continued its connection to the aerospace community by recently providing Lockheed Martin Corporation with one of its thermal products for use on the F-22 Raptor.

  16. Dynamics of ultrasonic additive manufacturing.

    Science.gov (United States)

    Hehr, Adam; Dapino, Marcelo J

    2017-01-01

    Ultrasonic additive manufacturing (UAM) is a solid-state technology for joining similar and dissimilar metal foils near room temperature by scrubbing them together with ultrasonic vibrations under pressure. Structural dynamics of the welding assembly and work piece influence how energy is transferred during the process and ultimately, part quality. To understand the effect of structural dynamics during UAM, a linear time-invariant model is proposed to relate the inputs of shear force and electric current to resultant welder velocity and voltage. Measured frequency response and operating performance of the welder under no load is used to identify model parameters. Using this model and in-situ measurements, shear force and welder efficiency are estimated to be near 2000N and 80% when welding Al 6061-H18 weld foil, respectively. Shear force and welder efficiency have never been estimated before in UAM. The influence of processing conditions, i.e., welder amplitude, normal force, and weld speed, on shear force and welder efficiency are investigated. Welder velocity was found to strongly influence the shear force magnitude and efficiency while normal force and weld speed showed little to no influence. The proposed model is used to describe high frequency harmonic content in the velocity response of the welder during welding operations and coupling of the UAM build with the welder. Copyright © 2016 Elsevier B.V. All rights reserved.

  17. Sustainability Characterization for Additive Manufacturing.

    Science.gov (United States)

    Mani, Mahesh; Lyons, Kevin W; Gupta, S K

    2014-01-01

    Additive manufacturing (AM) has the potential to create geometrically complex parts that require a high degree of customization, using less material and producing less waste. Recent studies have shown that AM can be an economically viable option for use by the industry, yet there are some inherent challenges associated with AM for wider acceptance. The lack of standards in AM impedes its use for parts production since industries primarily depend on established standards in processes and material selection to ensure the consistency and quality. Inability to compare AM performance against traditional manufacturing methods can be a barrier for implementing AM processes. AM process sustainability has become a driver due to growing environmental concerns for manufacturing. This has reinforced the importance to understand and characterize AM processes for sustainability. Process characterization for sustainability will help close the gaps for comparing AM performance to traditional manufacturing methods. Based on a literature review, this paper first examines the potential environmental impacts of AM. A methodology for sustainability characterization of AM is then proposed to serve as a resource for the community to benchmark AM processes for sustainability. Next, research perspectives are discussed along with relevant standardization efforts.

  18. Measures of Patient Activation and Social Support in a Peer-Led Support Network for Women With Cardiovascular Disease.

    Science.gov (United States)

    Witt, Dawn; Benson, Gretchen; Campbell, Susan; Sillah, Arthur; Berra, Kathy

    Social support has been associated with beneficial effects on many disease states and overall health and well-being. However, there is limited research exploring the impact of peer-led support models among women living with coronary heart disease. This study describes the structure of peer-led support groups offered by WomenHeart (WH): The National Coalition for Women Living with Heart Disease, and assesses WH participants' quality of life and social, emotional, and physical health. Participants were recruited from 50 WH groups. A 70-item online survey was administered, and the main analytic sample included 157 women. Multivariate logistic regression was used to examine the association between patient activation levels (lower activation levels: 1, 2 vs higher activation levels: 3, 4) and social support scores (range: lowest 8 to highest 34), adjusting for age. High levels of social support, patient activation, physical activity, and low levels of stress, anxiety, and depression were reported. Those who were at or above the median for the social support measures (indicating high levels of social support) had greater odds of high levels of patient activation (level 3 or 4) than individuals reporting low levels of social support (OR = 2.23; 95% CI, 1.04-4.76; P = .012). Women who regularly attended a support group by a trained peer leader were highly engaged in their health care and had low levels of stress, anxiety, and depression. These findings lend credibility to the value of the peer support model and could potentially be replicated in other disease states to enhance patient care.

  19. Lending a helping hand, screening chemical libraries for compounds that enhance β-hexosaminidase A activity in GM2 gangliosidosis cells

    OpenAIRE

    Tropak, Michael B.; Mahuran, Don

    2007-01-01

    Enzyme enhancement therapy is an emerging therapeutic approach that has the potential to treat many genetic diseases. Candidate diseases are those associated with a mutant protein that has difficulty folding and/or assembling into active oligomers in the endoplasmic reticulum. Many lysosomal storage diseases are candidates for enzyme enhancement therapy and have the additional advantage of requiring only 5–10% of normal enzyme levels to reduce and/or prevent substrate accumulation. Our long e...

  20. Glassy slags for minimum additive waste stabilization

    International Nuclear Information System (INIS)

    Feng, X.; Wronkiewicz, D.J.; Bates, J.K.; Brown, N.R.; Buck, E.C.; Dietz, N.L.; Gong, M.; Emery, J.W.

    1994-05-01

    Glassy slag waste forms are being developed to complement glass waste forms in implementing Minimum Additive Waste Stabilization (MAWS) for supporting DOE's environmental restoration efforts. The glassy slag waste form is composed of various crystalline and metal oxide phases embedded in a silicate glass phase. The MAWS approach was adopted by blending multiple waste streams to achieve up to 100% waste loadings. The crystalline phases, such as spinels, are very durable and contain hazardous and radioactive elements in their lattice structures. These crystalline phases may account for up to 80% of the total volume of slags having over 80% metal loading. The structural bond strength model was used to quantify the correlation between glassy slag composition and chemical durability so that optimized slag compositions were obtained with limited crucible melting and testing. Slag compositions developed through crucible melts were also successfully generated in a pilot-scale Retech plasma centrifugal furnace at Ukiah, California. Utilization of glassy slag waste forms allows the MAWS approach to be applied to a much wider range of waste streams than glass waste forms. The initial work at ANL has indicated that glassy slags are good final waste forms because of (1) their high chemical durability; (2) their ability to incorporate large amounts of metal oxides; (3) their ability to incorporate waste streams having low contents of flux components; (4) their less stringent requirements on processing parameters, compared to glass waste forms; and (5) their low requirements for purchased additives, which means greater waste volume reduction and treatment cost savings

  1. Additive Manufacturing of Fuel Injectors

    Energy Technology Data Exchange (ETDEWEB)

    Sadek Tadros, Dr. Alber Alphonse [Edison Welding Institute, Inc., Columbus, OH (United States); Ritter, Dr. George W. [Edison Welding Institute, Inc., Columbus, OH (United States); Drews, Charles Donald [Edison Welding Institute, Inc., Columbus, OH (United States); Ryan, Daniel [Solar Turbines Inc., San Diego, CA (United States)

    2017-10-24

    Additive manufacturing (AM), also known as 3D-printing, has been shifting from a novelty prototyping paradigm to a legitimate manufacturing tool capable of creating components for highly complex engineered products. An emerging AM technology for producing metal parts is the laser powder bed fusion (L-PBF) process; however, industry manufacturing specifications and component design practices for L-PBF have not yet been established. Solar Turbines Incorporated (Solar), an industrial gas turbine manufacturer, has been evaluating AM technology for development and production applications with the desire to enable accelerated product development cycle times, overall turbine efficiency improvements, and supply chain flexibility relative to conventional manufacturing processes (casting, brazing, welding). Accordingly, Solar teamed with EWI on a joint two-and-a-half-year project with the goal of developing a production L-PBF AM process capable of consistently producing high-nickel alloy material suitable for high temperature gas turbine engine fuel injector components. The project plan tasks were designed to understand the interaction of the process variables and their combined impact on the resultant AM material quality. The composition of the high-nickel alloy powders selected for this program met the conventional cast Hastelloy X compositional limits and were commercially available in different particle size distributions (PSD) from two suppliers. Solar produced all the test articles and both EWI and Solar shared responsibility for analyzing them. The effects of powder metal input stock, laser parameters, heat treatments, and post-finishing methods were evaluated. This process knowledge was then used to generate tensile, fatigue, and creep material properties data curves suitable for component design activities. The key process controls for ensuring consistent material properties were documented in AM powder and process specifications. The basic components of the project

  2. 40 CFR 79.31 - Additives.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 16 2010-07-01 2010-07-01 false Additives. 79.31 Section 79.31... OF FUELS AND FUEL ADDITIVES Designation of Fuels and Additives § 79.31 Additives. (a) All additives... persons or property on a street or highway. For purposes of this registration, however, additives...

  3. My brother’s keeper? : Care, support and HIV support groups in Nairobi, Kenya

    NARCIS (Netherlands)

    Igonya, E.K.

    2017-01-01

    HIV Support Groups are a multi-faced phenomenon in Kenya’s HIV mitigation landscape. The aim of this study was to examine the significance of HIV in the transformation of care and social support systems, and, additionally, the contribution of HIV support groups in the care and support of people

  4. Technology support for participatory budgeting

    DEFF Research Database (Denmark)

    Rose, Jeremy; Rios, Jesus; Lippa, Barbara

    2010-01-01

    Participatory budgeting is a reasonably well-established governance practice, particularly in South America. It is information and communication rich - making it well suited for modern technology support; in addition, the widespread participation of many citizens is difficult to achieve without...... this support. Participatory budgeting is associated with eParticipation, where much is already known about the kinds of technologies supporting citizen participation and how they are used. This paper identifies (from the existing literature) basic processes which are common to most participatory budgeting......, is integrated with a purpose-built internet platform; here we use the analysis to understand how the internet-based technologies are used to support the various participatory budgeting processes. We identify a range of these technologies which are currently used to support different eParticipation activities...

  5. Group Decision Process Support

    DEFF Research Database (Denmark)

    Gøtze, John; Hijikata, Masao

    1997-01-01

    Introducing the notion of Group Decision Process Support Systems (GDPSS) to traditional decision-support theorists.......Introducing the notion of Group Decision Process Support Systems (GDPSS) to traditional decision-support theorists....

  6. ADHD Diet: Do Food Additives Cause Hyperactivity?

    Science.gov (United States)

    ... say about the relationship between food additives and ADHD? Answers from David C. Agerter, M.D Food ... There's no solid evidence that food additives cause attention-deficit/hyperactivity disorder (ADHD). However, the topic of food additives and ...

  7. Lending a helping hand, screening chemical libraries for compounds that enhance beta-hexosaminidase A activity in GM2 gangliosidosis cells.

    Science.gov (United States)

    Tropak, Michael B; Mahuran, Don

    2007-10-01

    Enzyme enhancement therapy is an emerging therapeutic approach that has the potential to treat many genetic diseases. Candidate diseases are those associated with a mutant protein that has difficulty folding and/or assembling into active oligomers in the endoplasmic reticulum. Many lysosomal storage diseases are candidates for enzyme enhancement therapy and have the additional advantage of requiring only 5-10% of normal enzyme levels to reduce and/or prevent substrate accumulation. Our long experience in working with the beta-hexosaminidase (EC 3.2.1.52) isozymes system and its associated deficiencies (Tay-Sachs and Sandhoff disease) lead us to search for possible enzyme enhancement therapy-agents that could treat the chronic forms of these diseases which express 2-5% residual activity. Pharmacological chaperones are enzyme enhancement therapy-agents that are competitive inhibitors of the target enzyme. Each of the known beta-hexosaminidase inhibitors (low microm IC50) increased mutant enzyme levels to >or= 10% in chronic Tay-Sachs fibroblasts and also attenuated the thermo-denaturation of beta-hexosaminidase. To expand the repertoire of pharmacological chaperones to more 'drug-like' compounds, we screened the Maybridge library of 50,000 compounds using a real-time assay for noncarbohydrate-based beta-hexosaminidase inhibitors and identified several that functioned as pharmacological chaperones in patient cells. Two of these inhibitors had derivatives that had been tested in humans for other purposes. These observations lead us to screen the NINDS library of 1040 Food and Drug Administration approved compounds for pharmacological chaperones. Pyrimethamine, an antimalarial drug with well documented pharmacokinetics, was confirmed as a beta-hexosaminidase pharmacological chaperone and compared favorably with our best carbohydrate-based pharmacological chaperone in patient cells with various mutant genotypes.

  8. Lending a helping hand, screening chemical libraries for compounds that enhance β-hexosaminidase A activity in GM2 gangliosidosis cells

    Science.gov (United States)

    Tropak, Michael B.; Mahuran, Don

    2010-01-01

    Enzyme enhancement therapy is an emerging therapeutic approach that has the potential to treat many genetic diseases. Candidate diseases are those associated with a mutant protein that has difficulty folding and/or assembling into active oligomers in the endoplasmic reticulum. Many lysosomal storage diseases are candidates for enzyme enhancement therapy and have the additional advantage of requiring only 5–10% of normal enzyme levels to reduce and/or prevent substrate accumulation. Our long experience in working with the β-hexosaminidase (EC 3.2.1.52) isozymes system and its associated deficiencies (Tay-Sachs and Sandhoff disease) lead us to search for possible enzyme enhancement therapy-agents that could treat the chronic forms of these diseases which express 2–5% residual activity. Pharmacological chaperones are enzyme enhancement therapy-agents that are competitive inhibitors of the target enzyme. Each of the known β-hexosaminidase inhibitors (low μM IC50) increased mutant enzyme levels to ≥ 10% in chronic Tay-Sachs fibroblasts and also attenuated the thermo-denaturation of β-hexosaminidase. To expand the repertoire of pharmacological chaperones to more ‘drug-like’ compounds, we screened the Maybridge library of 50 000 compounds using a real-time assay for non-carbohydrate-based β-hexosaminidase inhibitors and identified several that functioned as pharmacological chaperones in patient cells. Two of these inhibitors had derivatives that had been tested in humans for other purposes. These observations lead us to screen the NINDS library of 1040 Food and Drug Administration approved compounds for pharmacological chaperones. Pyrimethamine, an antimalarial drug with well documented pharmacokinetics, was confirmed as a β-hexosaminidase pharmacological chaperone and compared favorably with our best carbohydrate-based pharmacological chaperone in patient cells with various mutant genotypes. PMID:17894780

  9. On additive preservers of semi-Browder operators

    Czech Academy of Sciences Publication Activity Database

    Mbekhta, M.; Müller, Vladimír; Oudghiri, M.

    2014-01-01

    Roč. 59, č. 2 (2014), s. 237-244 ISSN 0035-3965 R&D Projects: GA ČR GA201/09/0473; GA AV ČR IAA100190903 Institutional support: RVO:67985840 Keywords : additive preservers * semi-Browder operators Subject RIV: BA - General Mathematics http://imar.ro/journals/Revue_Mathematique/pdfs/2014/2/6.pdf

  10. Pathwise duals of monotone and additive Markov processes

    Czech Academy of Sciences Publication Activity Database

    Sturm, A.; Swart, Jan M.

    -, - (2018) ISSN 0894-9840 R&D Projects: GA ČR GAP201/12/2613 Institutional support: RVO:67985556 Keywords : pathwise duality * monotone Markov process * additive Markov process * interacting particle system Subject RIV: BA - General Mathematics Impact factor: 0.854, year: 2016 http://library.utia.cas.cz/separaty/2016/SI/swart-0465436.pdf

  11. Diethyl Fluoronitromethylphosphonate: Synthesis and Application in Nucleophilic Fluoroalkyl Additions

    Czech Academy of Sciences Publication Activity Database

    Opekar, Stanislav; Pohl, Radek; Beran, Pavel; Rulíšek, Lubomír; Beier, Petr

    2014-01-01

    Roč. 20, č. 5 (2014), s. 1453-1458 ISSN 0947-6539 R&D Projects: GA ČR GP203/08/P310 Institutional support: RVO:61388963 Keywords : C1 building blocks * fluorine * nucleophilic addition * phosphanes * synthetic methods Subject RIV: CC - Organic Chemistry Impact factor: 5.731, year: 2014

  12. Fluid Mechanics Of Molten Metal Droplets In Additive Manufacturing

    Czech Academy of Sciences Publication Activity Database

    Tesař, Václav; Šonský, Jiří

    2016-01-01

    Roč. 4, č. 4 (2016), s. 403-412 ISSN 2046-0546 R&D Projects: GA ČR GA13-23046S Institutional support: RVO:61388998 Keywords : additive manufacturing * droplets * molten metal Subject RIV: BK - Fluid Dynamics http://www.witpress.com/elibrary/cmem-volumes/4/4/1545

  13. Rational design of cement composites containing pozzolanic additions

    Czech Academy of Sciences Publication Activity Database

    Keppert, M.; Urbanová, Martina; Brus, Jiří; Čáchová, M.; Fořt, J.; Trník, A.; Scheinherrová, L.; Záleská, M.; Černý, R.

    2017-01-01

    Roč. 148, 1 September (2017), s. 411-418 ISSN 0950-0618 R&D Projects: GA ČR(CZ) GA16-13778S Institutional support: RVO:61389013 Keywords : cement composites * pozzolanic additions * XRD analysis Subject RIV: JN - Civil Engineering OBOR OECD: Civil engineering Impact factor: 3.169, year: 2016

  14. Feed additives : annual report 2010 of the National Reference Laboratory

    NARCIS (Netherlands)

    Driessen, J.J.M.; Beek, W.M.J.; Jong, de J.

    2011-01-01

    This report of the National Reference Laboratory (NRL) for feed additives describes the activties employed in 2010. The main tasks of the NRL are: giving assistance to the European Union Reference Laboratort (EU-RL) on their request and advice and support the competent authority, the Dutch Ministry

  15. Oxidative Additions of Homoleptic Tin(II) Amidinate

    Czech Academy of Sciences Publication Activity Database

    Chlupatý, T.; Růžičková, Z.; Horáček, Michal; Alonso, M.; de Proft, F.; Kampová, H.; Brus, Jiří; Růžička, A.

    2015-01-01

    Roč. 34, č. 3 (2015), s. 606-615 ISSN 0276-7333 Institutional support: RVO:61388955 ; RVO:61389013 Keywords : oxidative additions * homoleptic Tin(II) amidinate * DFT methods Subject RIV: CF - Physical ; Theoretical Chemistry; CD - Macromolecular Chemistry (UMCH-V) Impact factor: 4.186, year: 2015

  16. Supporting the GLAST User Community

    Science.gov (United States)

    Band, David L.

    2004-01-01

    The Gamma-ray Large Area Space Telescope (GLAST) Science Support Center (GSSC) is the scientific community's interface with GLAST. The GSSC will provide data, analysis software and documentation. In addition, the GSSC will administer the guest investigator program for NASA HQ. Consequently, the GSSC will provide proposal preparation tools to assist proposers in assessing the feasibility of observing sources of interest.

  17. Characterization of tube support alloys

    International Nuclear Information System (INIS)

    Vaia, A.R.

    1985-01-01

    The involvement and relationship of carbon steel corrosion products in the tube denting phenomenon promoted an intensive research effort to: 1) understand, reproduce, and arrest the denting process, and 2) evaluate alternative tube support materials to provide additional corrosion resistance. The paper summarizes a corrosion testing program for the verification of type 405 stainless steel under acid or all volatile treatment conditions

  18. Thermal paint production: the techno-economic evaluation of muscovite as insulating additive.

    Directory of Open Access Journals (Sweden)

    Gabriela Fernandes Ribas

    2016-09-01

    Full Text Available Muscovite is known by its thermal and electrical insulating properties. Based on this, it was hypothesized that its addition on paints should increase the thermal resistance. The use of muscovite as mineral insulating is pointed out as advantageous due to its low cost compared to other materials used for this purpose, such as the ceramic microsphere. The use of a low cost material could open the access to the medium and low income families, implying two aspects: the life quality increase by thermal comfort and the increase of energy saving. Thus, this part of the population could open a new market to thermal paints. Aiming to contribute to this issue, this work evaluated the thermal insulation performance of commercial paints containing muscovite additions and determined the economic evaluation for its industrial production. The thermal paint was formulated by adding 10%, 20% and 40% of muscovite to the commercial paint. This was applied on steel reinforced mortar boards. Thermal insulation tests were carried out in bench scale using an adapted box. The economic evaluation of the industrial production of muscovite-based thermal paint was conducted, considering the Brazilian economic market in this activity. The results showed its ability as an insulating agent due to a reduction of 0.667 °C/mm board by the addition of 40% muscovite. The economic analysis also demonstrated the feasibility of the thermal paint industrial production. The payback is favorable to 5 years when compared to the Selic short-term lending rate, with 21.53% of internal rate return and a net present value of US$ 15,085.76.

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

    Science.gov (United States)

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

    2017-08-01

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

  20. Oxidation catalysts on alkaline earth supports

    Science.gov (United States)

    Mohajeri, Nahid

    2017-03-21

    An oxidation catalyst includes a support including particles of an alkaline earth salt, and first particles including a palladium compound on the support. The oxidation catalyst can also include precious metal group (PMG) metal particles in addition to the first particles intermixed together on the support. A gas permeable polymer that provides a continuous phase can completely encapsulate the particles and the support. The oxidation catalyst may be used as a gas sensor, where the first particles are chemochromic particles.

  1. Structured Dimensionality Reduction for Additive Model Regression

    OpenAIRE

    Fawzi, Alhussein; Fiot, Jean-Baptiste; Chen, Bei; Sinn, Mathieu; Frossard, Pascal

    2016-01-01

    Additive models are regression methods which model the response variable as the sum of univariate transfer functions of the input variables. Key benefits of additive models are their accuracy and interpretability on many real-world tasks. Additive models are however not adapted to problems involving a large number (e.g., hundreds) of input variables, as they are prone to overfitting in addition to losing interpretability. In this paper, we introduce a novel framework for applying additive ...

  2. Stabilization of supported platinum nanoparticles on gamma-alumina catalysts by addition of tungsten

    Energy Technology Data Exchange (ETDEWEB)

    Contreras, Jose L., E-mail: jlcl@correo.azc.uam.m [Universidad Autonoma Metropolitana-Azcapotzalco. Energia, CBI, Av. Sn. Pablo 180, Col. Reynosa, 02200, Mexico, D.F. (Mexico); Universidad Autonoma Metropolitana-Iztapalapa Depto. Ingenieria de Procesos e Hidraulica, A.P. 55-534, 09340 Mexico, D.F. (Mexico); Fuentes, Gustavo A. [Universidad Autonoma Metropolitana-Iztapalapa Depto. Ingenieria de Procesos e Hidraulica, A.P. 55-534, 09340 Mexico, D.F. (Mexico); Zeifert, Beatriz; Salmones, Jose [Instituto Politecnico Nacional, ESIQIE, Av. IPN s/n Edif. 8, UPALM, Mexico, D.F. 07738 (Mexico)

    2009-08-26

    The thermal stabilization of Al{sub 2}O{sub 3} using W{sup 6+} ions has been found useful to the synthesis of Pt/Al{sub 2}O{sub 3} catalysts. The simultaneous and sequential methods were used to study the effect of W{sup 6+} upon Pt/gamma-Al{sub 2}O{sub 3} reducibility, Pt dispersion, and benzene hydrogenation. The W/Pt atomic ratios were from 0.49 to 12.4. In the first method we found that the W{sup 6+} ions delayed reduction of a fraction of Pt{sup 4+} atoms beyond 773 K. At the same time, W{sup 6+}inhibited sintering of the metallic crystallites once they were formed on the surface. For the sequential sample with a W/Pt atomic ratio of 3.28 W{sup 6+} did not inhibit the H{sub 2} reduction of Pt oxides even below of 773 K, the Pt oxides were reduced completely. After reduction at 1073 K, sequential samples impregnating Pt on WO{sub x}-gamma-Al{sub 2}O{sub 3} were more active and stable during benzene hydrogenation. TOF of the reaction did not change when the W/Pt atomic ratio, preparation technique and reduction temperature changed and its value was of 1.1 s{sup -1}. W{sup 6+} ions promoted high thermal stability of Pt crystallites when sequential catalysts were reduced at 1073 K and decreased their Lewis acidity.

  3. The Addition of Enhanced Capabilities to NATO GMTIF STANAG 4607 to Support RADARSAT-2 GMTI Data

    Science.gov (United States)

    2007-12-01

    L’augmentation du format est requis afin d’accommoder de nouveaux capteurs ou modes d’opération, ainsi que des nouvelles techniques de traitement...données GMTI entre différents capteurs et utilisateurs. Elles continueront à évoluer afin d’augmenter davantage l’aise de traitement de données et...augmentations avancées ont été développées suite aux interventions du groupe RADARSAT-2 GMTI de RDDC Ottawa. Elles permettent le soutien complet de capteurs

  4. Disparities and menthol marketing: additional evidence in support of point of sale policies.

    Science.gov (United States)

    Moreland-Russell, Sarah; Harris, Jenine; Snider, Doneisha; Walsh, Heidi; Cyr, Julianne; Barnoya, Joaquin

    2013-09-25

    This study examined factors associated with point-of-sale tobacco marketing in St. Louis, an urban city in the United States. Using spatial analysis, descriptive statistics, and multilevel modeling, we examined point-of-sale data and the proportion of mentholated cigarette and total cigarette marketing from 342 individual tobacco retail stores within St. Louis census tracts characterized by the percent of black adults and children. Menthol and total tobacco product marketing was highest in areas with the highest percentages of black residents. When examining menthol marketing to children, we did not find as strong of a relationship, however results of multilevel modeling indicate that as the proportion of black children in a census tract increased, the proportion of menthol marketing near candy also increased. These results indicate the need for communities globally to counter this targeted marketing by taking policy action specifically through the enactment of marketing restrictions provided by the 2009 Family Smoking Prevention and Tobacco Control Act and the Framework Convention of Tobacco Control.

  5. Disparities and Menthol Marketing: Additional Evidence in Support of Point of Sale Policies

    Directory of Open Access Journals (Sweden)

    Joaquin Barnoya

    2013-09-01

    Full Text Available This study examined factors associated with point-of-sale tobacco marketing in St. Louis, an urban city in the United States. Using spatial analysis, descriptive statistics, and multilevel modeling, we examined point-of-sale data and the proportion of mentholated cigarette and total cigarette marketing from 342 individual tobacco retail stores within St. Louis census tracts characterized by the percent of black adults and children. Menthol and total tobacco product marketing was highest in areas with the highest percentages of black residents. When examining menthol marketing to children, we did not find as strong of a relationship, however results of multilevel modeling indicate that as the proportion of black children in a census tract increased, the proportion of menthol marketing near candy also increased. These results indicate the need for communities globally to counter this targeted marketing by taking policy action specifically through the enactment of marketing restrictions provided by the 2009 Family Smoking Prevention and Tobacco Control Act and the Framework Convention of Tobacco Control.

  6. Driving Innovation to Support the Warfighter: Additive Manufacturing Initiatives Within the Defense Logistics Agency

    Science.gov (United States)

    2016-12-01

    would be candidates for AM usage , with an emphasis on hard-to-source parts. The list included not only polymeric parts, but also metallic and flight...Combined with other ad- vanced technologies, parts might even be delivered in theater by drones . See Figure 3. The DLA is pushing the enve- lope forward to

  7. Disparities and Menthol Marketing: Additional Evidence in Support of Point of Sale Policies

    Science.gov (United States)

    Moreland-Russell, Sarah; Harris, Jenine; Snider, Doneisha; Walsh, Heidi; Cyr, Julianne; Barnoya, Joaquin

    2013-01-01

    This study examined factors associated with point-of-sale tobacco marketing in St. Louis, an urban city in the United States. Using spatial analysis, descriptive statistics, and multilevel modeling, we examined point-of-sale data and the proportion of mentholated cigarette and total cigarette marketing from 342 individual tobacco retail stores within St. Louis census tracts characterized by the percent of black adults and children. Menthol and total tobacco product marketing was highest in areas with the highest percentages of black residents. When examining menthol marketing to children, we did not find as strong of a relationship, however results of multilevel modeling indicate that as the proportion of black children in a census tract increased, the proportion of menthol marketing near candy also increased. These results indicate the need for communities globally to counter this targeted marketing by taking policy action specifically through the enactment of marketing restrictions provided by the 2009 Family Smoking Prevention and Tobacco Control Act and the Framework Convention of Tobacco Control. PMID:24071922

  8. Systematic comparative and sensitivity analyses of additive and outranking techniques for supporting impact significance assessments

    International Nuclear Information System (INIS)

    Cloquell-Ballester, Vicente-Agustin; Monterde-Diaz, Rafael; Cloquell-Ballester, Victor-Andres; Santamarina-Siurana, Maria-Cristina

    2007-01-01

    Assessing the significance of environmental impacts is one of the most important and all together difficult processes of Environmental Impact Assessment. This is largely due to the multicriteria nature of the problem. To date, decision techniques used in the process suffer from two drawbacks, namely the problem of compensation and the problem of identification of the 'exact boundary' between sub-ranges. This article discusses these issues and proposes a methodology for determining the significance of environmental impacts based on comparative and sensitivity analyses using the Electre TRI technique. An application of the methodology for the environmental assessment of a Power Plant project within the Valencian Region (Spain) is presented, and its performance evaluated. It is concluded that contrary to other techniques, Electre TRI automatically identifies those cases where allocation of significance categories is most difficult and, when combined with sensitivity analysis, offers greatest robustness in the face of variation in weights of the significance attributes. Likewise, this research demonstrates the efficacy of systematic comparison between Electre TRI and sum-based techniques, in the solution of assignment problems. The proposed methodology can therefore be regarded as a successful aid to the decision-maker, who will ultimately take the final decision

  9. A Novel 3D Printer to Support Additive Manufacturing of Gradient Metal Alloy Structures, Phase II

    Data.gov (United States)

    National Aeronautics and Space Administration — Gradient metal alloy structures possess multi-functional properties that conventional monolithic metal counterparts do not have. Such structures can potentially...

  10. A Novel 3D Printer to Support Additive Manufacturing of Gradient Metal Alloy Structures, Phase I

    Data.gov (United States)

    National Aeronautics and Space Administration — Gradient metal alloy structures possess multi-functional properties that conventional monolithic metal counterparts do not have. Such structures can potentially...

  11. Electromagnetic force support for thermonuclear device

    International Nuclear Information System (INIS)

    Sugimoto, Makoto; Yoshida, Kiyoshi; Tachikawa, Nobuo; Omori, Junji.

    1992-01-01

    The device of the present invention certainly supports electromagnetic force exerted on toroidal magnetic field coils. That is, a pair of support members are disposed being abutted against each other between toroidal magnetic field coils disposed radially in the torus direction of a vacuum vessel. Both of the support members are connected under an insulative state by way of an insulative structural portion having an insulation key. In addition, each of the support members and each of the toroidal magnetic field coils are connected by electromagnetic force support portions having a metal taper key and a metal spacer and supporting the electromagnetic force. With such a constitution, the electromagnetic force exerted on the toroidal magnetic field coils is supported by the electromagnetic force support portion having the metal taper key and the metal spacer. As a result, stable electromagnetic force support can be attained. Further, since the insulative structural portion has the insulation key, it can be assembled easily. (I.S.)

  12. Additive Manufacturing of Aerospace Propulsion Components

    Science.gov (United States)

    Misra, Ajay K.; Grady, Joseph E.; Carter, Robert

    2015-01-01

    The presentation will provide an overview of ongoing activities on additive manufacturing of aerospace propulsion components, which included rocket propulsion and gas turbine engines. Future opportunities on additive manufacturing of hybrid electric propulsion components will be discussed.

  13. The dilemma of allergy to food additives.

    Science.gov (United States)

    Bahna, Sami L; Burkhardt, Joshua G

    2018-01-01

    To provide a brief summary on food additives and to outline a practical approach for evaluating subjects suspected of having reactions to food additives. Information was derived from selected reviews and original articles published in peer-reviewed journals, supplemented by the clinical experience of the authors. Priority was given to studies that used blinded, placebo controlled, oral challenges to confirm adverse reactions to food additives. In addition, selected, appropriately evaluated case reports were included. A large number of food additives are widely used in the food industry. Allergic reactions to additives seem to be rare but are very likely underdiagnosed, primarily due to a low index of suspicion. A wide variety of symptoms to food additives have been reported, but a cause-and-effect relationship has not been well documented in the majority of cases. Reactions to food additives should be suspected in patients who report symptoms related to multiple foods or to a certain food when commercially prepared but not when home made. It is also prudent to investigate food additives in subjects considered to have "idiopathic" reactions. Except for a limited number of natural additives, there is a small role for skin tests or in vitro testing. Oral challenge, in stages, with commonly used additives is the definitive procedure for detecting the offending agent. Once the specific additive is identified, management is strict avoidance, which can be difficult.

  14. Enabling Technologies for Medium Additive Manufacturing (MAAM)

    Energy Technology Data Exchange (ETDEWEB)

    Richardson, Bradley S. [ORNL; Love, Lonnie J. [ORNL; Chesser, Phillip C. [ORNL; Miller, Jason [Cosine Additive, Inc.; McCalip, Andrew [Cosine Additive, Inc.

    2018-02-01

    ORNL has worked with Cosine Additive, Inc. on the design of MAAM extrusion components. The objective is to improve the print speed and part quality. A pellet extruder has been procured and integrated into the MAAM printer. Print speed has been greatly enhanced. In addition, ORNL and Cosine Additive have worked on alternative designs for a pellet drying and feed system.

  15. Material Database for Additive Manufacturing Techniques

    Science.gov (United States)

    2017-12-01

    TECHNICAL REPORT RDMR-WD-17-64 MATERIAL DATABASE FOR ADDITIVE MANUFACTURING TECHNIQUES Janice C. Booth Weapons Development...Final 4. TITLE AND SUBTITLE Material Database for Additive Manufacturing Techniques 5. FUNDING NUMBERS 6. AUTHOR(S) Janice C...ABSTRACT (Maximum 200 Words) This report details material testing and results for a set of materials used in additive manufacturing for the

  16. 21 CFR 25.32 - Foods, food additives, and color additives.

    Science.gov (United States)

    2010-04-01

    ... 21 Food and Drugs 1 2010-04-01 2010-04-01 false Foods, food additives, and color additives. 25.32... ENVIRONMENTAL IMPACT CONSIDERATIONS Categorical Exclusions § 25.32 Foods, food additives, and color additives.... (b) Action on a request for exemption for investigational use of a food additive if the food additive...

  17. Islamic Group Lending and Financial Inclusion

    OpenAIRE

    Rusydiana, Aam Slamet; Devi, Abrista

    2016-01-01

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

  18. "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

  19. 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...

  20. 75 FR 58509 - Truth in Lending

    Science.gov (United States)

    2010-09-24

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

  1. 75 FR 81836 - Truth in Lending

    Science.gov (United States)

    2010-12-29

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

  2. 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

  3. 12 CFR 563e.22 - Lending test.

    Science.gov (United States)

    2010-01-01

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

  4. 75 FR 46837 - Truth in Lending

    Science.gov (United States)

    2010-08-04

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

  5. 12 CFR 345.22 - Lending test.

    Science.gov (United States)

    2010-01-01

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

  6. 12 CFR 25.22 - Lending test.

    Science.gov (United States)

    2010-01-01

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

  7. 76 FR 18007 - Intermediary Lending Pilot Program

    Science.gov (United States)

    2011-04-01

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

  8. 76 FR 22947 - Truth in Lending

    Science.gov (United States)

    2011-04-25

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

  9. Lend Me Your Ears: Developing Listening Skills

    OpenAIRE

    Patil, Z. N

    2012-01-01

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

  10. 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...

  11. 75 FR 7657 - Truth in Lending

    Science.gov (United States)

    2010-02-22

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

  12. 12 CFR 613.3200 - International lending.

    Science.gov (United States)

    2010-01-01

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

  13. 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)

  14. 12 CFR 613.3100 - Domestic lending.

    Science.gov (United States)

    2010-01-01

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

  15. 75 FR 66553 - Truth in Lending

    Science.gov (United States)

    2010-10-28

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

  16. 12 CFR 560.93 - Lending limitations.

    Science.gov (United States)

    2010-01-01

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

  17. 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

  18. 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.

  19. 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.

  20. 75 FR 37525 - Truth in Lending

    Science.gov (United States)

    2010-06-29

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

  1. 75 FR 12333 - Truth in Lending

    Science.gov (United States)

    2010-03-15

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

  2. 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

  3. 12 CFR 7.4008 - Lending.

    Science.gov (United States)

    2010-01-01

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

  4. 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

  5. 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)

  6. Lubricant additive concentrate containing isomerized jojoba oil

    Energy Technology Data Exchange (ETDEWEB)

    Arndt, G.

    1987-05-12

    This patent describes a crankcase motor oil additive concentrate intended to be added to a conventional crankcase motor oil to improve its ability to lubricate and protect the engine. The additive concentrate comprises the following components: A petroleum base stock of lubricating quality and viscosity. The base stock comprises from about 13.5 to 90 weight percent of the additive concentrate; a detergent-inhibitor package. The package is present at from about 7 to about 40 weight percent of the concentrate; a supplemental antiwear additive selected from the salts of dialkyl dithiophosporic acids. The additive is present at a level of from about 1 to about 10 weight percent of the concentrate; and a supplemental antiwear additive selected from the class of sulfurized olefins. The additive is present at a level of from about 1 to about 10 weight percent of the concentrate.

  7. Calixarene-supported clusters

    DEFF Research Database (Denmark)

    Taylor, Stephanie M.; McIntosh, Ruaraidh D.; Piligkos, Stergios

    2012-01-01

    A combination of complementary cluster ligands results in the formation of a new calixarene-supported ferromagnetic [Mn(5)] cage that displays the characteristic bonding modes of each support.......A combination of complementary cluster ligands results in the formation of a new calixarene-supported ferromagnetic [Mn(5)] cage that displays the characteristic bonding modes of each support....

  8. Flowcharts as Technical Support

    Science.gov (United States)

    Caudill, Jason

    2007-01-01

    Any time technology is employed in an organization there is a need to provide support for the users. Such support usually needs to be offered at the location where users are trying to access the technological resources. More often than not, the user who needs the support wants to get the support immediately, not at some point in the future after a…

  9. Underground mining operation supports

    Energy Technology Data Exchange (ETDEWEB)

    Khusid, M.B.; Kozel, A.M.

    1980-12-10

    Underground mining operation supports include the supporting layer surrounded by a cylindrical jacket of cemented rock. To decrease the loss of support material due to the decreasing rock pressure on the supporting layer, the cylindrical jacket of cemented rock has an uncemented layer inside, dividing it into 2 concentric cylindrical parts.

  10. 78 FR 73504 - Procurement List; Proposed Additions

    Science.gov (United States)

    2013-12-06

    ... Logistics Support Detachment, Undisclosed Location*, Ft. Belvoir, VA. NPA: MVLE, Inc., Springfield, VA. Contracting Activity: Directorate of Contracting Procurement Logistics Support Detachment, Fort Belvoir, VA.... Lineback, Director, Business Operations. [FR Doc. 2013-29139 Filed 12-5-13; 8:45 am] BILLING CODE 6353-01-P ...

  11. Competency Based Hospital Radiopharmacy Training. Additional Information

    International Nuclear Information System (INIS)

    2010-01-01

    Quality management systems in nuclear medicine are vital to a high level of nuclear medicine (NM) practice. Trained and competent staffs are essential for achieving high standards and growth in NM. One of the key bottlenecks for NM is the shortfall in human resources, especially of radiopharmacists. There is an acute shortage in most Member States and in some countries an absence of nationally registered pharmacists with radiopharmacy experience. Most nuclear medicine facilities operate their radiopharmacies (commonly referred to as the hot laboratories) with the support of technologists and radiographers. Recent surveys have found the level of training amongst technologists to be extremely variable. Most had little or no training in hot laboratory practices. The survey also indicated the poor state of hot laboratories in many countries. Basic quality systems in the hot laboratory could be improved significantly with better training. This competency-based education manual is designed with those radiopharmacy practitioners in mind. This competency-based trainer's manual provides trainers in each of the IAEA regions with the essentials of a training programme for all radiopharmacy practitioners. The competency-based training is a two week programme followed up with three months of practice achievements. The syllabus provides a standardized approach to lectures, practical sessions, and interactive workshops focusing on critical aspects of hot laboratory practices. The trainers, with the assistance of this manual, can deliver essential skills, competencies, and underpinning knowledge to operate safely and effectively in their hot laboratory. The course focuses on simple but practical steps that could be undertaken to improve staff performance. In addition, a basic framework of quality management principles related to radiopharmacy practices is also covered. Further, the syllabus can be adapted to the particular needs and characteristics of any training centre, country

  12. Additive preservers of the ascent, descent and related subsets

    Czech Academy of Sciences Publication Activity Database

    Mbekhta, M.; Müller, Vladimír; Oudghiri, M.

    2014-01-01

    Roč. 71, č. 1 (2014), s. 63-83 ISSN 0379-4024 R&D Projects: GA ČR GA201/09/0473; GA AV ČR IAA100190903 Institutional support: RVO:67985840 Keywords : additive preservers * ascent * descent Subject RIV: BA - General Mathematics Impact factor: 0.550, year: 2014 http://www.mathjournals.org/jot/2014-071-001/2014-071-001-004.html

  13. Additive Manufacturing as a Sustainment Enabler: An Industry Perspective

    Science.gov (United States)

    2016-12-01

    use of AM where it makes sense in terms of cost and readiness outcomes, rather than just wanting the latest and greatest technical “ toys ” without...justification. Art of the Possible and the Future Dan Cernoch, chairman of the Aerospace Industries As- sociation’s Product Support Committee...States; OCONUS=outside the continental United States. Defense AT&L: November-December 2016 30 summary of the art of the possible: “Additive manufactur

  14. IRIS - A Community-Based Facility to Support Research in Seismology

    Science.gov (United States)

    Ingate, S.; Ahern, T.; Butler, R.; Fowler, J.; Simpson, D.; Taber, J.; van der Vink, G.

    2002-12-01

    programs. In the 18 years since the founding of IRIS, the core programs have grown to meet most of the original design goals and the Consortium continues to evolve in response to the community's changing needs. The GSN has now 126 permanent seismic stations distributed throughout the world with real-time connectivity to nearly 90 sites and dial-up links to most others. In addition to seismometers, microbarographs are installed at 19 sites and GPS instrumentation is located at 16 sites. The PASSCAL program supports between 50 and 60 experiments per year, from a lending pool of 250 broadband seismic sensor systems, and over 800 higher frequency systems for active source experiments. All seismic data acquired under the GSN and PASSCAL programs are made openly and freely available to anyone on the Internet, through the DMS. The DMS currently receives over 6Tb per year, and is able to service most requests for data within hours. Shipments in 2002 serviced nearly 60,000 requests, comprising nearly 1Tb of data, made to 563 different seismologists from 145 institutions in 33 countries around the world. The E&O program is relatively young, yet is making considerable inroads through its museum partnership (reaching 8,000,000 people per year); distribution of inexpensive seismographs; development of teaching modules and other educational materials for schools; technical support to internet-enabled school-based networks; workshops for geoscience educators; and undergraduate summer internships.

  15. Supporting the Support System: How Assessment and Communication Can Help Patients and Their Support Systems.

    Science.gov (United States)

    Harkey, Jane; Young, Jared; Carter, Jolynne Jo; Demoratz, Michael

    The benefits of having a support system, such as social relationships with close friends and family, have been well documented for patients with serious health issues. As scientific evidence has shown, individuals who have the lowest level of involvement in social relationships face a greater mortality risk. Support systems, however, are not infallible. Relationship stress can have a negative impact on people-patient and caregiver alike-behaviorally, psychosocially, and physiologically. The purpose of this article is to encourage case managers who take a patient-centered approach to also consider the existence and extent of the support system, as well as any stresses or tensions that are observable within the support system. Although the case manager is ethically obliged to advocate for the individual receiving case management services, that advocacy can be extended to the support system for the good of all. This discussion applies to numerous case management practices and work settings including (but not limited to) hospital-based case management, home health, geriatrics, catastrophic case management, mental health, palliative care, and end of life/hospice. As part of the assessment phase of the case management process, case managers determine the extent of the patient's support system or social support network such as family and close friends. Although their advocacy is primarily for the patient receiving case management services, case managers also become aware of the needs of the support system members as they face their loved one's serious illness, severe injury, geriatric care demands, or end of life. Case managers can use their communication skills, especially motivational interviewing, with patients and their support systems to identify stresses and issues that can impact the pursuit of health goals. In addition, case managers ensure that individuals and their support systems are kept informed such as about the health condition, stage of disease, plan of

  16. Education and training support system

    International Nuclear Information System (INIS)

    Kubota, Rhuji; Iyadomi, Motomi.

    1996-01-01

    In order to train the specialist such as operator or maintenance stuff of large scale plant such as nuclear power plant or thermal power plant, a high grade teaching and training support system is required as well as in training pilot of aeroplane. The specialist in such large scale plant is also a researcher in the field of machinery, electricity and physics at first, and is grown up a expert operator or maintenance stuff through learning of CAI system or OTJ used training material for teaching tool in addition of training used operating or maintenance training device imitating actual plant after acquiring determined knowledges by receiving fundamental education on nuclear and thermal power plants. In this paper, the teaching and training support systems of the nuclear and thermal power plants for a system supporting such teaching and training, respectively, were introduced. (G.K.)

  17. Additional palatal implants for refractory snoring.

    Science.gov (United States)

    Catalano, Peter; Goh, Yao Hong; Romanow, John

    2007-07-01

    To evaluate safety and efficacy of additional palatal implants for snoring treatment. A prospective case series at two clinical sites in an office setting. Patients who did not have an acceptable reduction in snoring intensity after an initial 3 implant procedure received additional implants. Bed partners rated snoring intensity on a 10 cm visual analog scale (VAS) at baseline and 90 days postprocedure. Snoring intensity VAS decreased significantly from 6.4 +/- 2.3 to 4.6 +/- 2.9 (P < 0.01) for patients who received an additional fourth implant, and to 4.1 +/- 2.8 after the 5th implant (P<0.01). Epworth sleepiness scale scores also decreased significantly for patients who received additional fourth or fifth implants. There were no adverse events. Additional palatal implants for snoring treatment were safe and effective in this case series. Additional implants may offer relief for snorers not responding to the initial 3 implant procedure.

  18. Brief clinical report: prune belly syndrome: observations supporting the hypothesis of abdominal overdistention.

    Science.gov (United States)

    Burton, B K; Dillard, R G

    1984-03-01

    We report on an infant with the prune belly syndrome who was unusual in that the typical manifestations of the disorder were accompanied by an anterior abdominal wall defect. We speculate that this defect may have occurred as a result of splitting of the abdominal wall secondary to massive bladder dilatation and stretching of the abdominal muscles. An alternative explanation is that the defect may have been the result of secondary pressure necrosis from stretching forces or from contact with another structure, such as the cervix. This case lends further support to the hypothesis that bladder distention with overdistention of the abdomen may be the primary event leading to the findings observed in the prune belly syndrome.

  19. Broiler chickens can benefit from machine learning: support vector machine analysis of observational epidemiological data.

    Science.gov (United States)

    Hepworth, Philip J; Nefedov, Alexey V; Muchnik, Ilya B; Morgan, Kenton L

    2012-08-07

    Machine-learning algorithms pervade our daily lives. In epidemiology, supervised machine learning has the potential for classification, diagnosis and risk factor identification. Here, we report the use of support vector machine learning to identify the features associated with hock burn on commercial broiler farms, using routinely collected farm management data. These data lend themselves to analysis using machine-learning techniques. Hock burn, dermatitis of the skin over the hock, is an important indicator of broiler health and welfare. Remarkably, this classifier can predict the occurrence of high hock burn prevalence with accuracy of 0.78 on unseen data, as measured by the area under the receiver operating characteristic curve. We also compare the results with those obtained by standard multi-variable logistic regression and suggest that this technique provides new insights into the data. This novel application of a machine-learning algorithm, embedded in poultry management systems could offer significant improvements in broiler health and welfare worldwide.

  20. Excessive Additive Effect On Engine Oil Viscosity

    OpenAIRE

    Vojtěch Kumbár; Jiří Votava

    2014-01-01

    The main goal of this paper is excessive additive (for oil filling) effect on engine oil dynamic viscosity. Research is focused to commercially distribute automotive engine oil with viscosity class 15W–40 designed for vans. There were prepared blends of new and used engine oil without and with oil additive in specific ratio according manufacturer’s recommendations. Dynamic viscosity of blends with additive was compared with pure new and pure used engine oil. The temperature dependence dynamic...

  1. Merits and Demerits of Food Additives

    OpenAIRE

    YANG, Xuening; ZHAN, Yong

    2014-01-01

    Food additive is a double-edged sword. It has merits and demerits. Food additives have such merits as improving sensory properties of foods, preventing deterioration and extending the shelf life, increasing varieties of foods, enhancing convenience of foods, facilitating food processing, and satisfying other demands. However, excessive and illegal use of food additives will exert adverse influence on food security. Therefore, it is required to take proper measures to bring merits of food addi...

  2. Cincinnati Big Area Additive Manufacturing (BAAM)

    Energy Technology Data Exchange (ETDEWEB)

    Duty, Chad E. [Oak Ridge National Lab. (ORNL), Oak Ridge, TN (United States); Love, Lonnie J. [Oak Ridge National Lab. (ORNL), Oak Ridge, TN (United States)

    2015-03-04

    Oak Ridge National Laboratory (ORNL) worked with Cincinnati Incorporated (CI) to demonstrate Big Area Additive Manufacturing which increases the speed of the additive manufacturing (AM) process by over 1000X, increases the size of parts by over 10X and shows a cost reduction of over 100X. ORNL worked with CI to transition the Big Area Additive Manufacturing (BAAM) technology from a proof-of-principle (TRL 2-3) demonstration to a prototype product stage (TRL 7-8).

  3. Additive operator-difference schemes splitting schemes

    CERN Document Server

    Vabishchevich, Petr N

    2013-01-01

    Applied mathematical modeling isconcerned with solving unsteady problems. This bookshows how toconstruct additive difference schemes to solve approximately unsteady multi-dimensional problems for PDEs. Two classes of schemes are highlighted: methods of splitting with respect to spatial variables (alternating direction methods) and schemes of splitting into physical processes. Also regionally additive schemes (domain decomposition methods)and unconditionally stable additive schemes of multi-component splitting are considered for evolutionary equations of first and second order as well as for sy

  4. Multiplicativity of left centralizers forcing additivity

    Directory of Open Access Journals (Sweden)

    Mohammad Sayed Tammam El-Sayiad

    2014-01-01

    Full Text Available A multiplicative left centralizer for an associative ring R is a map satisfying T(xy = T\\(xy for all x,y in R. T is not assumed to be additive. In this paper we deal with the additivity of the multiplicative left centralizers in a ring which contains an idempotent element. Specially, we study additivity for multiplicative left centralizers in prime and semiprime rings which contain an idempotent element.

  5. Environmental analysis support

    International Nuclear Information System (INIS)

    Miller, R.L.

    1994-01-01

    Activities in environmental analysis support included assistance to the Morgantown and Pittsburgh Energy Technology Centers (METC and PETC) in reviewing and preparing documents required by the National Environmental Policy Act (NEPA) for several projects selected for the Clean Coal Technology (CCT) Program. A key milestone was the completion for PETC of the final Environmental Impact Statement (EIS) for the Healy Clean Coal Project (HCCP) in Healy, Alaska. This work is notable because it is the first site-specific EIS completed for the CCT Program. Another important activity was the preparation for METC of a draft Environmental Assessment (EA) for the Externally Fired Combined Cycle (EFCC) Project in Warren, Pennsylvania. Also, the final EA was completed for the Gasification Product Improvement Facility (GPIF), a proposed project near Morgantown, West Virginia, which is part of METC's R ampersand D Program. In addition, ORNL staff members published a Technical Memorandum entitled open-quotes Potential Effects of Clean Coal Technologies on Acid Precipitation, Greenhouse Gases, and Solid Waste Disposalclose quotes which documents the findings of three open-quotes white papersclose quotes prepared for DOE/FE

  6. Allergic and immunologic reactions to food additives.

    Science.gov (United States)

    Gultekin, Fatih; Doguc, Duygu Kumbul

    2013-08-01

    For centuries, food additives have been used for flavouring, colouring and extension of the useful shelf life of food, as well as the promotion of food safety. During the last 20 years, the studies implicating the additives contained in foods and medicine as a causative factor of allergic reactions have been proliferated considerably. In this review, we aimed to overview all of the food additives which were approved to consume in EU and find out how common and serious allergic reactions come into existence following the consuming of food additives.

  7. Laser Additive Manufacturing of Gas Permeable Structures

    Science.gov (United States)

    Klahn, C.; Bechmann, F.; Hofmann, S.; Dinkel, M.; Emmelmann, C.

    Laser additive manufacturing offers a variety of new design possibilities. In mold making laser additive manufactured inserts with conformal cooling channels are already state of the art. Pneumatic ejectors for injection molds are a new application for laser additive manufacturing. The pneumatic ejectors require a durable gas permeable material. This material is produced by placing the scan vectors for the laser additive manufacturing process in a defined pattern. Trials with different plastics proofed the function and reliability of the pneumatic ejector concept in the injection molding cycle.

  8. Distance Learners‟ Perception of Learner Support Services ...

    African Journals Online (AJOL)

    The University of Education, Winneba (UEW), produces self instructional materials for its distance education students and in addition provides some learner support services. The study investigated UEW Distance Education (DE) students‟ perceived satisfaction with learner support services available to them. The study ...

  9. Optimising geometry for maximum supporting stiffnesses

    NARCIS (Netherlands)

    Brouwer, Dannis Michel; Wiersma, Hedzer; Boer, Steven; Aarts, Ronald G.K.M.

    2013-01-01

    Flexure hinges inherently lose stiffness in supporting directions when deflected. This article presents a method for optimising the geometry of flexure hinges, aimed at maximising supporting stiffnesses. In addition, the new -Flexure Hinge design is presented. The considered hinges are subjected to

  10. ON IDENTIFICATION OF CONCRETE PLASTICIZING ADDITIVES

    Directory of Open Access Journals (Sweden)

    P. I. Yukhnevskiy

    2015-01-01

    Full Text Available Quality problem of chemical additives comes down in general to their objective and independent evaluation. As an identification is not made during product delivery for testing and while carrying out the testing there is difference in the results of investigations and finally construction products suffer from their poor quality. In this connection, it is proposed to make some alterations to revised version of the STB 1112 and GOST 30459, so that while supplying chemical additives for certification testing a certificate on additive quality should contain a standard of IR-spectra with active components. Simultaneously, the standard should be applied for additive testing results in accordance with rate efficiency criteria  for GOST 30459. Such norms are accepted for similar European standards.The paper presents a standard method for identification of organic additives according to IR-spectra, characteristic absorption bands for the Lignopan-type  additives and naphthalene formaldehyde super-plasticizer C-3. However, due to the fact that it is not possible to judge number of functional groups in the product by  absorption band size but it is possible only to assess their availability so it is recommended to use other methods. As an additional characteristics it is proposed to determine magnitude of the dipole moment in a  plasticizer-additive molecule. The authors previously developed a technique and  determined dipole moments in super-plasticizer-additives as in the form of powder so in the form of aqueous solutions, correlation relationship of water reduction additive capability with the magnitude of dipole moment. It has been proposed to manufacturers of plasticizing additives for concrete along with IR-spectra in the technical documentation to indicate a magnitude of the molecule dipole moment  as a generalized characteristics that determines its plasticizing properties.

  11. Additives in fuel oils - phase 2

    International Nuclear Information System (INIS)

    Dyrke, J.; Rudling, L.

    1997-06-01

    The project 'additives in fuel oils -phase 2' is a continuation of the prior study, which yielded in the Vaermeforsk report no 569 'Effects of using fuel oil additives in oil-fired burners'. As opposed to the first phase, which was a research study, the follow-up had more the dignity of testing a number of fuel oils with different additives in order to obtain results from combustion experiments under laboratory circumstances. The experiments were conducted in a 50 kW tube burner and the results from these trials can then be used as indications on how fuel oil additives can affect the emissions at large energy production plants. The conclusion of the project is that the additives could reduce the particle emissions for the low sulphureous oils by contribution to improved combustion of cenospherical particles and reducing the content of unburnt particles in the flue gases. The additives had no significant effect on the high sulphureous oils, which probably have different causes: The high content of asphaltenes yield particles, which are difficult to combust. Furthermore is the relatively high metal content in the oils an obstacle for the effect of the metal additives, since the adding of the catalyzing metals from the additives only marginally changes the total metal content of the composition. Any major differences between the different commercial additives could not be documented with the applied examination method. Despite that it could be verified that the catalytic additives had a better particle reducing effect than additives based on non-catalytic substance. General conclusions of the above mentioned results should only be drawn with large precaution. At the same time it should be said that the results gained with the experimental setup in this project can be looked upon and used as indications for expected results in commercial energy plants

  12. Knowledge Management for Topological Optimization Integration in Additive Manufacturing

    Directory of Open Access Journals (Sweden)

    Nicolas Gardan

    2014-01-01

    Full Text Available Engineering design optimization of mechanical structures is nowadays essential in the mechanical industry (automotive, aeronautics, etc.. To remain competitive in the globalized world, it is necessary to create and design structures that, in addition to complying specific mechanical performance, should be less expensive. Engineers must then design parts or assemblies that are a better compromise between mechanical and functional performance, weight, manufacturing costs, and so forth. In this context Additive Manufacturing (AM process offers the possibility to avoid tools and manufacture directly the part. There are numerous technologies which are using different kind of material. For each of these, there are at least two materials: the production material and the support one. Support material is, in most cases, cleaned and becomes a manufacturing residue. Improving the material volume and the global mass of the product is an essential aim surrounding the integration of simulation in additive manufacturing process. Moreover, the layer-by-layer technology of additive manufacturing allows the design of innovative objects, and the use of topological optimization in this context can create a very interesting combination. The purpose of our paper is to present the knowledge management of an AM trade oriented tool which integrated the topological optimization of parts and internal patterns.

  13. Additive manufacturing: state-of-the-art and application framework

    Directory of Open Access Journals (Sweden)

    Vinícius Picanço Rodrigues

    2017-09-01

    Full Text Available Additive manufacturing encompasses a class of production processes with increasing applications in different areas and supply chains. Due to its flexibility for production in small batches and the versatility of materials and geometries, this technology is recognized as being capable of revolutionizing the production processes as well as changing production strategies that are currently employed. However, there are different technologies under the generic label of additive manufacturing, materials and application areas with different requirements. Given the growing importance of additive manufacturing as a production process, and also considering the need to have a better insight into the potential applications for driving research and development efforts, this article presents a proposal of organization for additive manufacturing applications in seven areas. Additionally, the article provides a panorama of the current development stage of this technology, with a review of its major technological variants. The results presented aim to serve as a basis to support driving initiatives in additive manufacturing in companies, development agencies and research institutions.

  14. 77 FR 56813 - Procurement List, Proposed Additions

    Science.gov (United States)

    2012-09-14

    ... Security, U.S. Immigration and Customs Enforcement, Mission Support Dallas, Dallas, TX. Service Type... Army, W40M USA MEDCOM HCAA, Fort Sam Houston, TX. Service Type/Location: Custodial Services, Customs...

  15. 78 FR 4133 - Procurement List; Addition

    Science.gov (United States)

    2013-01-18

    ... and Cook Support, Two Seasons Dining Facility, 447 North Street, Building 2207, Eielson Air Force Base... 354 CONS LGC, Eielson AFB, AK. Comments were received from two associations representing agencies and...

  16. Additions to the Avifauna of suriname

    NARCIS (Netherlands)

    Mees, G.F.

    1974-01-01

    It is self-evident that as the avifauna of a country becomes better known, the number of additions to its avifauna one can expect to make in a given period, must decrease. On the other hand, it may be said that for the same reason the value of each addition increases. During a stay in Suriname of

  17. 49 CFR 377.209 - Additional charges.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 5 2010-10-01 2010-10-01 false Additional charges. 377.209 Section 377.209... CHARGES Extension of Credit to Shippers by Motor Common Carriers, Water Common Carriers, and Household Goods Freight Forwarders § 377.209 Additional charges. When a carrier— (a) Has collected the amount of...

  18. 46 CFR 308.502 - Additional insurance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Additional insurance. 308.502 Section 308.502 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance I-Introduction § 308.502 Additional insurance. The assured may place increased value or...

  19. Catalytic enantioselective conjugate addition with Grignard reagents

    NARCIS (Netherlands)

    Lopez, Fernando; Minnaard, Adriaan J.; Feringa, Ben L.

    In this Account, recent advances in catalytic asymmetric conjugate addition of Grignard reagents are discussed. Synthetic methodology to perform highly enantioselective Cu-catalyzed conjugate addition of Grignard reagents to cyclic enones with ee's up to 96% was reported in 2004 from our

  20. Enantioselective aminocatalysis: Michael addition of unactivated ...

    Indian Academy of Sciences (India)

    KHIANGTE VANLALDINPUIA

    2017-09-25

    Sep 25, 2017 ... D-glucopyranose, galactose and lactose for asymmetric. Michael addition of acetyl acetone to nitro olefins giving up to >99% yield and up to 96% enantiose- lectivity.37 Benaglia et al.,38 used another new class of glucosamine-based bifunctional organocatalysts for nucleophilic Michael addition of ...