WorldWideScience

Sample records for mars photo credit

  1. Satellite photo of CERN

    CERN Multimedia

    1991-01-01

    This photo from the Landsat5 orbital telescope shows the locations of CERN's Meyrin and Prevessin sites near Geneva on the Swiss-France border. The tunnels housing the LHC and SPS accelerators are also illustrated. Photo credit: US Geological Survey/photo by Jane Doe.

  2. Credit derivatives in emerging markets

    OpenAIRE

    Romain Rancière

    2002-01-01

    Credit Derivatives are securities that offer protection against credit or default risk of bonds or loans. The credit derivatives emerging market has grown rapidly and credit derivatives are widely used. This paper describes the emerging credit derivatives market structure. The current market activity is analyzed through elementary pricing dynamics and the study of the term structure of default risk. Focusing on the performance of credit derivatives in stress situation, including legal and mar...

  3. Impact of Utilizing Photos and Deimos as Waypoints for Mars Human Surface Missions

    Science.gov (United States)

    Cianciolo, Alicia D.; Brown, Kendall

    2015-01-01

    Phobos and Deimos, the moons of Mars, are interesting exploration destinations that offer extensibility of the Asteroid Redirect Mission (ARM) technologies. Solar Electric Propulsion (SEP), asteroid rendezvous and docking, and surface operations can be used to land on and explore the moons of Mars. The close Mars vicinity of Phobos and Deimos warrant examining them as waypoints, or intermediate staging orbits, for Mars surface missions. This paper outlines the analysis performed to determine the mass impact of using the moons of Mars both as an intermediate staging point for exploration as well as for in-situ recourse utilization, namely propellant, to determine if the moons are viable options to include in the broader Mars surface exploration architecture.

  4. Use of Web 2.0 Technologies for Public Outreach on a Simulated Mars Mission

    Science.gov (United States)

    Ferrone, Kristine; Shiro, Brian; Palaia, Joseph E., IV

    2009-01-01

    Recent advances in social media and internet communications have revolutionized the ways people interact and disseminate information. Astronauts are already taking advantage of these tools by blogging and tweeting from space, and almost all NASA missions now have presences on the major social networking sites. One priotity for future human explorers on Mars will be communicating their experiences to the people back on Earth. During July 2009, a 6-member crew of volunteers carried out a simulated Mars mission at the Flashline Mars Arctic Research Station (FMARS). The Mars Society built the mock Mars habitat in 2000-01 to help develop key knowledge and inspire the public for human Mars exploration. It is located on Devon island about 1600 km from the North Pole within the Arctic Circle. The structure is situated on the rim of Haughton Crater in an environment geologically and biologically analogous to Mars. Living in a habitat, conducting EVAs wearing spacesuits, and observing communication delays with "Earth,"the crew endured restrictions similar to those that will be faced by future human Mars explorers. Throughout the expedition, crewmembers posted daily blog entries, reports, photos, videos, and updates to their website and social media outlets Twitter, Facebook, YouTube, and Picasa Web Albums. During the sixteen EVAs of thier field science research campaign, FMARS crewmembers collected GPS track information and took geotagged photos using GPS-enabled cameras. They combined their traverse GPS tracks with photo location information into KML/KMZ files that website visitors can view in Google Earth.

  5. 'Mister Badger' Pushing Mars Rock

    Science.gov (United States)

    1976-01-01

    Viking's soil sampler collector arm successfully pushed a rock on the surface of Mars during the afternoon of Friday, October 8. The irregular-shaped rock was pushed several inches by the Lander's collector arm, which displaced the rock to the left of its original position, leaving it cocked slightly upward. Photographs and other information verified the successful rock push. Photo at left shows the soil sampler's collector head pushing against the rock, named 'Mister Badger' by flight controllers. Photo at right shows the displaced rock and the depression whence it came. Part of the soil displacement was caused by the collector s backhoe. A soil sample will be taken from the site Monday night, October 11. It will then be delivered to Viking s organic chemistry instrument for a series of analyses during the next few weeks. The sample is being sought from beneath a rock because scientists believe that, if there are life forms on Mars, they may seek rocks as shelter from the Sun s intense ultraviolet radiation.

  6. CREDIT SYSTEM AND CREDIT GUARANTEE PROGRAMS

    OpenAIRE

    Turgay GECER

    2012-01-01

    Credit system is an integrated architecture consisted of financial information, credit rating, credit risk management, receivables and credit insurance systems, credit derivative markets and credit guarantee programs. The main purpose of the credit system is to provide the functioning of all credit channels and to make it easy to access of credit sources demanded by all of real and legal persons in any economic system. Credit guarantee program, the one of prominent elements of the credit syst...

  7. MEDA, The New Instrument for Mars Environment Analysis for the Mars 2020 Mission

    Science.gov (United States)

    Moreno-Alvarez, Jose F.; Pena-Godino, Antonio; Rodriguez-Manfredi, Jose Antonio; Cordoba, Elizabeth; MEDA Team

    2016-08-01

    The Mars 2020 rover mission is part of NASA's Mars Exploration Program, a long-term effort of robotic exploration of the red planet. Designed to advance high-priority science goals for Mars exploration, the mission will address key questions about the potential for life on Mars. The mission will also provide opportunities to gather knowledge and demonstrate technologies that address the challenges of future human expeditions to Mars.The Mars Environmental Dynamics Analyzer (MEDA) is an integrated full suite of sensors designed to address the Mars 2020 mission objectives of characterization of dust size and morphology and surface weather measurements.MEDA system consists of one control unit and 10 separated sensor enclosures distributed in different positions along the Mars 2020 rover. MEDA is composed of an ARM-based control computer with its flight software application, two wind sensors including mixed ASICs inside, five air temperature sensors, one sky pointing camera complemented with 16 photo- detectors looking up and around, one thermal infrared sensor using five measurement bands, one relative humidity sensor, one pressure sensor and the harness that interconnects all of them. It is a complex system intended to operate in one of the harshest environments possible, the Mars surface, for many years to come.This will become a short term reality thanks to the combination of a strong international science team driving the science and system requirements working together with a powerful industrial organization to design and build the instrument. The instrument is being built right now, with its Critical Design Review at the end of 2016, and the flight model to be provided in 2018.This paper summarizes the main scientific objective of the MEDA instrument, the links between the Mission and the MEDA science objectives, and the challenging environmental Mars requirements. It will then focus on the engineered definition of the instrument, showing the overall

  8. Use of Web 2.0 Technologies for Public Outreach on a Simulated Mars Mission

    Science.gov (United States)

    Shiro, B.; Palaia, J.; Ferrone, K.

    2009-12-01

    Recent advances in social media and internet communications have revolutionized the ways people interact and disseminate information. Astronauts are already starting to take advantage of these tools by blogging and tweeting from space, and almost all NASA missions now have presences on the major social networking sites. One priority for future human explorers on Mars will be communicating their experiences to the people back on Earth. During July 2009, a six-member crew of volunteers carried out a simulated Mars mission at the Flashline Mars Arctic Research Station (FMARS) on Devon Island in the Canadian Arctic. Living in a habitat, conducting EVAs wearing spacesuits, and observing communication delays with “Earth,” the crew endured restrictions similar to those that will be faced by future human Mars explorers. Throughout the expedition, crewmembers posted regular blog entries, reports, photos, videos, and updates to their website and social media outlets Twitter, Facebook, YouTube, and Picasa Web Albums. During the sixteen EVAs of their field science research campaign, FMARS crewmembers collected GPS track information and took geotagged photos using GPS-enabled cameras. They combined their traverse GPS tracks with photo location information into KML/KMZ files that website visitors can view in Google Maps or Google Earth. Although the crew observed a strict 20-minute communication delay with “Earth” to simulate a real Mars mission, they broke this rule to conduct four very successful live webcasts with student groups using Skype since education and public outreach were important objectives of the endeavor. This presentation will highlight the use of Web 2.0 technologies for public outreach during the simulated Mars expedition and the implications for other remote scientific journeys. The author embarks on a "rover" to carry out an EVA near the FMARS Habitat. The satellite dish to the right of the structure was used for all communications with the remote

  9. A new MARS and its applications

    International Nuclear Information System (INIS)

    Krivosheev, O.E.; Mokhov, N.V.

    1998-01-01

    This paper describes MARS14(98) - the newest version of the MARS Monte Carlo code system for fast simulation of hadronic and electromagnetic cascades in shielding, accelerator and detector components in the energy range from a fraction of an electronvolt up to 30 TeV. The main changes compared to the previous release, MARS 13, concern the hadron production model tuned with evaluated data and the DPMJET-II code, improved photo- and electro- production of hadrons and muons, improved algorithms for the 3-body decays, particle tracking in magnetic fields, synchrotron radiation by electrons and muons, significantly extended histograming capabilities and material description, and improved computational performance. In addition to direct energy deposition calculations, a new set of fluence-to-dose conversion factors for all particles including neutrino are built into the code. The MARS 14(98) system includes links to the MCNP code for neutron transport below 20 MeV, to the ANSYS code for thermal and stress analyses and to the STRUCT code for multi-turn particle tracking in large synchrotrons and collider rings

  10. A new MARS and its applications

    Energy Technology Data Exchange (ETDEWEB)

    Krivosheev, O.E.; N.V Mokhov, N.V.

    1998-01-01

    This paper describes MARS14(98) - the newest version of the MARS Monte Carlo code system for fast simulation of hadronic and electromagnetic cascades in shielding, accelerator and detector components in the energy range from a fraction of an electronvolt up to 30 TeV. The main changes compared to the previous release, MARS 13, concern the hadron production model tuned with evaluated data and the DPMJET-II code, improved photo- and electro- production of hadrons and muons, improved algorithms for the 3-body decays, particle tracking in magnetic fields, synchrotron radiation by electrons and muons, significantly extended histograming capabilities and material description, and improved computational performance. In addition to direct energy deposition calculations, a new set of fluence-to-dose conversion factors for all particles including neutrino are built into the code. The MARS 14(98) system includes links to the MCNP code for neutron transport below 20 MeV, to the ANSYS code for thermal and stress analyses and to the STRUCT code for multi-turn particle tracking in large synchrotrons and collider rings.

  11. Creating an Immersive Mars Experience Using Unity3D

    Science.gov (United States)

    Miles, Sarah

    2011-01-01

    Between the two Mars Exploration Rovers, Spirit and Opportunity, NASA has collected over 280,000 images while studying the Martian surface. This number will continue to grow, with Opportunity continuing to send images and with another rover, Curiosity, launching soon. Using data collected by and for these Mars rovers, I am contributing to the creation of virtual experiences that will expose the general public to Mars. These experiences not only work to increase public knowledge, but they attempt to do so in an engaging manner more conducive to knowledge retention by letting others view Mars through the rovers' eyes. My contributions include supporting image viewing (for example, allowing users to click on panoramic images of the Martian surface to access closer range photos) as well as enabling tagging of points of interest. By creating a more interactive way of viewing the information we have about Mars, we are not just educating the public about a neighboring planet. We are showing the importance of doing such research.

  12. Life on Mars

    Energy Technology Data Exchange (ETDEWEB)

    Venkatavaradan, V S [Tata Inst. of Fundamental Research, Bombay (India)

    1976-10-01

    The miniature biological laboratory of the Viking-1 lander had three experiments to determine, whether the micro-organisms of the Martian soil has: (1) photo-synthetic activity (2) metabolic process activity (utilisation of nutrients) and (3) respiration. The Martian soil was warmed in an incubator and exposed to carbon dioxide (containing C/sup 14/) in presence of xenon arc lamp to simulate the Sun. If the Martian organisms of the expected type are present in the soil, the gas released during the heating would be radio-active which can be detected by a radiation counter. The three experiments had given positive signals denoting the presence of micro-organisms on the surface of Mars. The presence of superoxide in the soil would be poisonous to life but it is likely that organisms may survive deeper below the soil, where the chemicals would not be formed. The Viking-2 results also offered similar results. However, the basic question whether there is life on Mars still remains unanswered.

  13. Life on Mars

    International Nuclear Information System (INIS)

    Venkatavaradan, V.S.

    1976-01-01

    The miniature biological laboratory of the Viking-1 lander had three experiments to determine, whether the micro-organisms of the Martian soil has: (1) photo-synthetic activity (2) metabolic process activity (utilisation of nutrients) and (3) respiration. The Martian soil was warmed in an incubator and exposed to carbon dioxide (containing C 14 ) in presence of xenon arc lamp to simulate the Sun. If the Martian organisms of the expected type are present in the soil, the gas released during the heating would be radio-active which can be detected by a radiation counter. The three experiments had given positive signals denoting the presence of micro-organisms on the surface of Mars. The presence of superoxide in the soil would be poisonous to life but it is likely that organisms may survive deeper below the soil, where the chemicals would not be formed. The Viking-2 results also offered similar results. However, the basic question whether there is life on Mars still remains unanswered. (K.M.)

  14. MODELING CREDIT RISK THROUGH CREDIT SCORING

    OpenAIRE

    Adrian Cantemir CALIN; Oana Cristina POPOVICI

    2014-01-01

    Credit risk governs all financial transactions and it is defined as the risk of suffering a loss due to certain shifts in the credit quality of a counterpart. Credit risk literature gravitates around two main modeling approaches: the structural approach and the reduced form approach. In addition to these perspectives, credit risk assessment has been conducted through a series of techniques such as credit scoring models, which form the traditional approach. This paper examines the evolution of...

  15. Credit-proofing fundamentals for a solid credit policy

    Energy Technology Data Exchange (ETDEWEB)

    Lydiatt, I. [KeySpan Energy Canada, Calgary, AB (Canada)

    2003-07-01

    This Power Point presentation presented the basics of a credit policy with reference to corporate objectives, governance, credit definitions, subjective/objective elements, quantification of full risk, management, monitoring, reporting and gate-keeping processes. Options for a credit policy were described as being approval authority grids, confidentiality issues, credit scoring, corporate risk levels, follow-up collection calling, and procedures on unapproved exposures. Recommendations for setting risk and credit limits were also presented with a note emphasizing that in the past 6 months credit evaluation processes have had to deal with the media risk, a new risk that has not been seen before. This risk can be addressed by careful monitoring of stock prices. The paper also presented recommendations for what to look for as indicators and how to deal with risk in volatile price periods. Credit tools for volatile times were described. 1 tab.

  16. Credit-proofing fundamentals for a solid credit policy

    International Nuclear Information System (INIS)

    Lydiatt, I.

    2003-01-01

    This Power Point presentation presented the basics of a credit policy with reference to corporate objectives, governance, credit definitions, subjective/objective elements, quantification of full risk, management, monitoring, reporting and gate-keeping processes. Options for a credit policy were described as being approval authority grids, confidentiality issues, credit scoring, corporate risk levels, follow-up collection calling, and procedures on unapproved exposures. Recommendations for setting risk and credit limits were also presented with a note emphasizing that in the past 6 months credit evaluation processes have had to deal with the media risk, a new risk that has not been seen before. This risk can be addressed by careful monitoring of stock prices. The paper also presented recommendations for what to look for as indicators and how to deal with risk in volatile price periods. Credit tools for volatile times were described. 1 tab

  17. CO2 credit or energy credit in emission trading?

    International Nuclear Information System (INIS)

    Hu, E.

    2002-01-01

    Emission trading is a good concept and approach to tackle global warming. However, what ''currency'' or ''credit'' should be used in the trading has remained a debatable topic. This paper proposed an ''Energy Credit'' concept as an alternative to the ''CO 2 credit'' that is currently in place. From the thermodynamic point of view, the global warming problem is an ''energy balance'' problem. The energy credit concept is thought to be more thermodynamically correct and tackles the core of the global warming problem more directly. The Energy credit concept proposed can be defined as: the credit to offset the extra energy trapped/absorbed in the earth (and its atmosphere) due to the extra anthropogenic emission (or other activities) by a country or company. A couple of examples are given in the paper to demonstrate the concept of the Energy credit and its advantages over the CO 2 credit concept. (author)

  18. Review of Research on Credit Risk Management for Rural Credit Cooperatives

    Directory of Open Access Journals (Sweden)

    Xin Song

    2017-03-01

    Full Text Available With the rapid development of rural micro-credit, whether the qagriculture, rural areas and farmersq problems have been effectively solved, whether the credit risk has been effectively controlled, these have become the focus of our attention to the rural economic environment. The main content of this paper contains four aspects: the classification and characteristics of credit risk, the problems and factors of credit risk, the model and evaluation of credit risk, the countermeasures and suggestions of credit risk. This paper reviews the research of credit risk management for rural credit cooperatives from the above four aspects, and makes a brief summary.

  19. Credit concession through credit scoring: Analysis and application proposal

    Directory of Open Access Journals (Sweden)

    Oriol Amat

    2017-01-01

    Full Text Available Purpose: The study herein develops and tests a credit scoring model which can help financial institutions in assessing credit requests.  Design/methodology/approach: The empirical study has the objective of answering two questions: (1 Which ratios better discriminate the companies based on their being solvent or insolvent? and (2 What is the relative importance of these ratios? To do this, several statistical techniques with a multifactorial focus have been used (Multivariate Analysis of Variance, Linear Discriminant Analysis, Logit and Probit Models. Several samples of companies have been used in order to obtain and to test the model.  Findings: Through the application of several statistical techniques, the credit scoring model has been proved to be effective in discriminating between good and bad creditors.  Research limitations:  This study focuses on manufacturing, commercial and services companies of all sizes in Spain; Therefore, the conclusions may differ for other geographical locations. Practical implications:  Because credit is one of the main drivers of growth, a solid credit scoring model can help financial institutions assessing to whom to grant credit and to whom not to grant credit. Social implications: Because of the growing importance of credit for our society and the fear of granting it due to the latest financial turmoil, a solid credit scoring model can strengthen the trust toward the financial institutions assessment’s.  Originality/value: There is already a stream of literature related to credit scoring. However, this paper focuses on Spanish firms and proves the results of our model based on real data. The application of the model to detect the probability of default in loans is original.

  20. Photos

    Science.gov (United States)

    GPS U.S. Air Force Academy Warrior Care Warrior Games Women's History Month Tag: Search Tag Sort By Squadron Ruck March Download Full Image Photo Details F-22 Demonstration Download Full Image Photo Details

  1. Credit Monitoring – a Core of Credit Risk Management: Theory and Experience

    Directory of Open Access Journals (Sweden)

    Daiva Jurevičienė

    2013-11-01

    Full Text Available Purpose of the article: Purpose of the article is to identify credit monitoring as a keystone of credit risk management in banks. CRM is widely discussed in scientific literature and in reports of institutions undertaking credit risk or supervisory bodies. However majority of such investigations are based on implementation of numerous quantitative or qualitative methods used for credit risk assessment before granting a loan or for credit portfolio risk management. There is a lack of information or investigations made on estimation of the need of credit monitoring in credit risk management process. Scientific aim: Scientific aim is to structure the early warning signs that reflect the condition of credits. Methodology/methods: The paper is based on analysis and resumption of various scientific and professional articles related to organization of credit process in banks. It combines results of assessments of credit monitoring importance in credit risk management process made by theoretical studies as well as investigation of experts. Findings: Finding of the article is presentation of credit monitoring tools that should be applied for corporate (and individual clients via modification of original credit agreement. Conclusions: (limits, implications etc Conclusion of the article is that credit monitoring is a keystone in credit risk management process. The purpose of credit monitoring is to detect in time possible worsening of the loan and to react (make changes in loan agreement. The simplest tool for credit monitoring is to identify early warning signs in time that could be assorted into four groups: EWS of business environment; EWS with regard to management, EWS regarding collateral, EWS in financial analysis. Limitation of investigation is impossibility of evaluation of importance of monitoring process in practice except investigation of experts (employees directly responsible for credit business.

  2. NCA & Credit Guarantees

    African Journals Online (AJOL)

    stooppn

    purposes of the National Credit Act; what the definition of a credit guarantee set out ...... Scholtz et al National Credit Act in para 8.2.4; Scott et al Law of Commerce ..... Eitelberg E "Autonomy of Documentary Credit Undertakings in South African.

  3. CERN Photo club

    CERN Multimedia

    CERN Photo club

    2016-01-01

    The CERN Photo Club organizes in collaboration with Canon Switzerland a photo contest open to all members of the CERN (Persons with a CERN access card). The only restriction is that the photos must have been taken with a CANON camera (DSLR, bridge or compact) between 1 and 31 October 2016. Send your three best pictures at  Photo.Contest@cern.ch with a short description explaining the images. Further information on the Photo club website: http://photoclub.web.cern.ch/content/photo-contest-october-2016

  4. Formal and Informal Credit Markets and Rural Credit Demand in China

    OpenAIRE

    Tang, Sai; Guan, Zhengfei; Jin, Songqing

    2010-01-01

    Credit markets are an essential economic institution. In developing countries, particularly in countries undergoing rapid social and economic transition, it is important to identify emerging credit demand and institute credit supply in a timely manner to facilitate economic transformation. This research focuses on the evolving rural credit market in China, where borrowing from the social network has been common but the recent economic transition has made this informal credit market inadequate...

  5. Flashline Mars Arctic Research Station (FMARS) 2009 Expedition Crew Perspectives

    Science.gov (United States)

    Cusack, Stacy; Ferrone, Kristine; Garvin, Christy; Kramer, W. Vernon; Palaia, Joseph, IV; Shiro, Brian

    2009-01-01

    The Flashline Mars Arctic Research Station (FMARS), located on the rim of the Haughton Crater on Devon Island in the Canadian Arctic, is a simulated Mars habitat that provides operational constraints similar to those which will be faced by future human explorers on Mars. In July 2009, a six-member crew inhabited the isolated habitation module and conducted the twelfth FMARS mission. The crew members conducted frequent EVA operations wearing mock space suits to conduct field experiments under realistic Mars-like conditions. Their scientific campaign spanned a wide range of disciplines and included many firsts for Mars analog research. Among these are the first use of a Class IV medical laser during a Mars simulation, helping to relieve crew stress injuries during the mission. Also employed for the first time in a Mars simulation at FMARS, a UAV (Unmanned Aerial Vehicle) was used by the space-suited explorers, aiding them in their search for mineral resources. Sites identified by the UAV were then visited by geologists who conducted physical geologic sampling. For the first time, explorers in spacesuits deployed passive seismic equipment to monitor earthquake activity and characterize the planet's interior. They also conducted the first geophysical electromagnetic survey as analog Mars pioneers to search for water and characterize geological features under the surface. The crew collected hydrated minerals and attempted to produce drinkable water from the rocks. A variety of equipment was field tested as well, including new cameras that automatically geotag photos, data-recording GPS units, a tele-presence rover (operated from Florida), as well as MIT-developed mission planning software. As plans develop to return to the Moon and go on to Mars, analog facilities like FMARS can provide significant benefit to NASA and other organizations as they prepare for robust human space exploration. The authors will present preliminary results from these studies as well as their

  6. Refundable Tax Credits

    OpenAIRE

    Congressional Budget Office

    2013-01-01

    In 1975, the first refundable tax credit—the earned income tax credit (EITC)—took effect. Since then, the number and cost of refundable tax credits—credits that can result in net payments from the government—have grown considerably. Those credits will cost $149 billion in 2013, CBO estimates, mostly for the EITC and the child tax credit.

  7. 75 FR 17976 - WNC Tax Credits 38, LLC, WNC Tax Credits 39, LLC, WNC Housing Tax Credits Manager, LLC and WNC...

    Science.gov (United States)

    2010-04-08

    ... Credits 38, LLC, WNC Tax Credits 39, LLC, WNC Housing Tax Credits Manager, LLC and WNC & Associates, Inc... collectively, the ``Funds''), WNC Housing Tax Credits Manager, LLC (the ``Manager'') and WNC & Associates, Inc... credit under the Internal Revenue Code of 1986, as amended. The Manager is a California limited liability...

  8. Introduction of Credit Derivatives and Valuation of Credit Default Swap

    OpenAIRE

    Han, Lu

    2006-01-01

    The credit derivative market was established at the beginning of the 1990s since the emergence of credit derivatives fits the rapid development of the whole derivatives market. However, compare to other derivative market, this market is still small and incomplete. As with other derivatives, credit derivatives can be used to either take more risk or hedge it, hence various credit derivatives instruments are accepted and widely used by market participants such as banks, insurance companies, etc...

  9. Camille Flammarion's the planet Mars as translated by Patrick Moore

    CERN Document Server

    2015-01-01

    Camille Flammarion (1842-1925) began his career at 16 as a human computer under the great mathematician U. J. J. Le Verrier at the Paris Observatory.  He soon tired of the drudgery; he was drawn to more romantic vistas, and at 19 wrote a book on an idea that he was to make his own—the habitability of other worlds.  There followed a career as France’s greatest popularizer of astronomy, with over 60 titles to his credit.  An admirer granted him a chateau at Juvisy-sur-l’Orge, and he set up a first-rate observatory dedicated to the study of the planet Mars. Finally, in 1892, he published his masterpiece, La Planete Mars et ses conditions d’habitabilite, a comprehensive summary of three centuries’ worth of literature on Mars, much of it based on his own personal research into rare memoirs and archives.  As a history of that era, it has never been surpassed, and remains one of a handful of indispensable books on the red planet. Sir Patrick Moore (1923-2012) needs no introduction; his record of popula...

  10. Credit securitization and credit derivatives: Financial instruments and the credit risk management of middle market commercial loan portfolios

    OpenAIRE

    Henke, Sabine; Burghof, Hans-Peter; Rudolph, Bernd

    1998-01-01

    Banks increasingly recognize the need to measure and manage the credit risk of their loans on a portfolio basis. We address the subportfolio "middle market". Due to their specific lending policy for this market segment it is an important task for banks to systematically identify regional and industrial credit concentrations and reduce the detected concentrations through diversification. In recent years, the development of markets for credit securitization and credit derivatives has provided n...

  11. Modernization of credit relations

    Directory of Open Access Journals (Sweden)

    S.V. Volosovich

    2015-03-01

    Full Text Available Nowadays it is essential to modernize credit relations in the conditions of global economy transformations. This is due to the influence of integration processes on credit relations and transformation of the risks inherent in the credit field. The purpose of this article is to develop measures that help to improve the efficiency of interaction of credit relations’ participants. Modernization of credit relations is based on the interaction of its main and indirect subjects who belong to the subsystems of loans granting, deposits attraction and provision of related services. Its goal is to pass from extensive to intensive model of interaction between the subjects of credit relations. Components of the credit relations modernization are the following: institutional modernization, which is based on the interaction of credit relations’ subjects, and ensures the development of competition in all credit market’s segments, the creation of its corresponding infrastructure, qualitative change in the approaches of regulation and supervision; technological modernization, which involves the formation of joint products on the credit market and the formation of an integrated informational and analytical system. In the result of the credit relations’ modernization it is expected to achieve synergies between the subjects of credit relations, that will lead to changes in the business architecture of the financial market.

  12. Semantic photo books: leveraging blogs and social media for photo book creation

    Science.gov (United States)

    Rabbath, Mohamad; Sandhaus, Philipp; Boll, Susanne

    2011-03-01

    Recently, we observed a substantial increase in the users' interest in sharing their photos online in travel blogs, social communities and photo sharing websites. An interesting aspect of these web platforms is their high level of user-media interaction and thus a high-quality source of semantic annotations: Users comment on the photos of each others, add external links to their travel blogs, tag each other in the social communities and add captions and descriptions to their photos. However, while those media assets are shared online, many users still highly appreciate the representation of these media in appealing physical photo books where the semantics are represented in form of descriptive text, maps, and external elements in addition to their related photos. Thus, in this paper we aim at fulfilling this need and provide an approach for creating photo books from Web 2.0 resources. We concentrate on two kinds of online shared media as resources for printable photo books: (a) Blogs especially travel blogs (b) Social community websites like Facebook which witness a rapidly growing number of shared media elements including photos. We introduce an approach to select media elements including photos, geographical maps and texts from both blogs and social networks semi-automatically, and then use these elements to create a printable photo book with an appealing layout. Because the selected media elements can be too many for the resulting book, we choose the most proper ones by exploiting content based, social based, and interactive based criteria. Additionally we add external media elements such as geographical maps, texts and externally hosted photos from linked resources. Having selected the important media, our approach uses a genetic algorithm to create an appealing layout using aesthetical rules, such as positioning the photo with the related text or map in a way that respects the golden ratio and symmetry. Distributing the media over the pages is done by

  13. Credit Card Security

    OpenAIRE

    G.C., Anup

    2013-01-01

    Author: Anup G.C. Year: 2013 Subject of thesis: Credit Card Security Number of pages: 36+2 Credit Card is a widely used electronic chip for easy transactions. The main purpose of the report was to show the security measures of transaction by credit cards. The purpose was to give information about credit cards and how they were introduced. The thesis reportcontained the types of card theft with examples and sited the various protocols used for online ...

  14. Epitomize Your Photos

    Directory of Open Access Journals (Sweden)

    Peter Vajda

    2011-01-01

    Full Text Available With the rapid growth of digital photography, sharing of photos with friends and family has become very popular. When people share their photos, they usually organize them into albums according to events or places. To tell the story of some important events in one’s life, it is desirable to have an efficient summarization tool which can help people to receive a quick overview of an album containing large number of photos. In this paper, we present and analyze an approach for photo album summarization through a novel social game “Epitome” as a Facebook application. This social game can collect research data, and, at the same time, it provides a collage or a cover photo of the user’s photo album, while the user enjoys playing the game. The proof of concept of the proposed method is demonstrated through a set of experiments on several photo albums. As a benchmark comparison to this game, we perform automatic visual analysis considering several state-of-the-art features. We also evaluate the usability of the game by making use of a questionnaire on several subjects who played the “Epitome” game. Furthermore, we address privacy issues concerning shared photos in Facebook applications.

  15. 76 FR 40946 - WNC Tax Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC...

    Science.gov (United States)

    2011-07-12

    ... Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC National Partners... (``Fund 41'') (each a ``Fund,'' and collectively, the ``Funds''), WNC Housing Tax Credits Manager 2, LLC (the ``Manager''), WNC National Partners, LLC (``WNC National Partners'') and WNC & Associates, Inc...

  16. The PhotoElectron Boundary as observed by MAVEN instruments

    Science.gov (United States)

    Garnier, P.; Steckiewicz, M.; Mazelle, C. X.; Xu, S.; Mitchell, D. L.; Holmberg, M.; Halekas, J. S.; Andersson, L.; Brain, D.; Connerney, J. E. P.; Espley, J. R.; Lillis, R. J.; Luhmann, J. G.; Savaud, J. A.; Jakosky, B. M.

    2017-12-01

    Photoelectron peaks in the 20-30 eV energy range are commonly observed in planetary atmospheres (Earth, Mars, Titan...), produced by the intense photoionization from solar 30.4 nm photons. At Mars, these photoelectrons result from the ionization of CO2 and O atmospheric neutrals, and are known to escape the planet down its tail, making them tracers for the atmospheric escape (Frahm et al., 2006). Furthermore, their presence or absence allows us to define the so-called PhotoElectron Boundary (PEB), that separates the sunlit photoelectron-dominated ionosphere from the solar wind controlled environment, as initially observed by the Mars Global Surveyor (MGS) MAG/ER instrument (Mitchell et al. (2000, 2001). We provide here a detailed statistical analysis of the location and properties of the PEB based on the Mars Atmosphere and Volatile Evolution (MAVEN) mission electron and magnetic field data. Our dataset includes 1696 dayside PEB crossings obtained from September 2014 until May 2016 (the observations of escaping photoelectrons in the wake being not included). The PEB appears as mostly sensitive to the solar wind dynamic and crustal magnetic fields pressures, for which a quantitative dependance is derived and compared with two other important boundaries : the bow shock and magnetic pileup boundary. The PEB altitude is highly variable, leading to a variable wake cross section for escape (up to +- 50%), which is important for deriving global escape rates from in situ photoelectron escape rates. The PEB is not always sharp, and is, despite a strong variability, characterized on average by : a magnetic field topology typical for the edge of the Magnetic Pile Up Region above it, more field aligned fluxes above than below, and a clear change of the altitude dependence of both electron fluxes and total density (that appears different from the ionopause). The PEB thus appears as a transition region between two plasma and field configurations which is determined by the

  17. Joint replenishment and credit policies under two levels of trade credit financing when demand and bad-debt loss depends upon credit period

    Directory of Open Access Journals (Sweden)

    Aggarawal K.K.

    2016-01-01

    Full Text Available In practice, a firm usually receives trade credit financing from its supplier on the purchase of inventory. Similarly, in order to meet competition and generate credit sales over and above cash sales, the firm also gives credit period to their customers. However, the decision of granting credit period may have a disintegrating effect on cash sales apart from generating new credit sales because some of the cash customers may switch to credit purchase. In addition, despite of the best credit granting policies and collection practices, the firm may incurs some amount of bad debt losses because a certain fraction of buyers will undoubtedly be unable to pay off their debt obligations and become bad debt loss to the firm. In this paper, using discounted cash flow (DCF approach, a mathematical model is developed to jointly determine optimal inventory and credit policies under two levels of trade credit financing when demand and bad-debt losses are dependent on credit period. The objective of the model is to maximize the present value of firm’s net profit per unit time by jointly optimizing the replenishment interval and date-terms credit period. Numerical examples and sensitivity analysis are presented to illustrate the effectiveness of the proposed model, and the results are discussed.

  18. Rural Credit in Vietnam

    DEFF Research Database (Denmark)

    Barslund, Mikkel Christoffer; Tarp, Finn

    This paper uses a survey of 932 rural households to uncover how the rural credit market operates in four provinces of Vietnam. Households obtain credit through formal and informal lenders, but formal loans are almost entirely for production and asset accumulation. Interest rates fell from 1997...... to 2002, reflecting increased market integration; but the determinants of formal and informal credit demand are distinct. Credit rationing depends on education and credit history, but we find no evidence of a bias against women. Regional differences are striking, and a ‘one size fits all’ approach...... to credit policy is clearly inappropriate....

  19. Mars Pathfinder and Mars Global Surveyor Outreach Compilation

    Science.gov (United States)

    1999-09-01

    This videotape is a compilation of the best NASA JPL (Jet Propulsion Laboratory) videos of the Mars Pathfinder and Mars Global Surveyor missions. The mission is described using animation and narration as well as some actual footage of the entire sequence of mission events. Included within these animations are the spacecraft orbit insertion; descent to the Mars surface; deployment of the airbags and instruments; and exploration by Sojourner, the Mars rover. JPL activities at spacecraft control during significant mission events are also included at the end. The spacecraft cameras pan the surrounding Mars terrain and film Sojourner traversing the surface and inspecting rocks. A single, brief, processed image of the Cydonia region (Mars face) at an oblique angle from the Mars Global Surveyor is presented. A description of the Mars Pathfinder mission, instruments, landing and deployment process, Mars approach, spacecraft orbit insertion, rover operation are all described using computer animation. Actual color footage of Sojourner as well as a 360 deg pan of the Mars terrain surrounding the spacecraft is provided. Lower quality black and white photography depicting Sojourner traversing the Mars surface and inspecting Martian rocks also is included.

  20. ATLAS HEC PHOTOS TRIUMF

    CERN Multimedia

    1997-01-01

    Photo 1 - Removal of a glued foil from the glue press. The foils still need to be cut with a steel rule die and the HV pins soldered on. Photo 2 - Inspection of EST foil. Photo 3 - Placing the first plate of the front Module 0 on the stacking table with the tie-rods in place. Photo 4 - As each gap is stacked, it is tested by applying 3kV across each honeycomb sheet and ensuring that the current draw is low (a few tens of nA). Photo 5 - HV testing on a stacked front module. Photo 6 - Detail of a gap in a module. Four sheets of honeycomb spacing mats separate the centre PAD foil from the two EST foils on either side, and hold the EST foils away from the copper absorber structure. Photo 7 - Last plate of rear module being stacked. Photo 8 - Stacked rear module 0. Photo 9 - Four Module 0's, one front and one rear from TRIUMF, one from Germany, and one from and one from Russia, are "married" into one structure. In this picture, two front modules are married together. Photo 10 - After two modules are married, they ...

  1. Influenza Photos

    Science.gov (United States)

    ... Polio Whooping cough Influenza (flu) Rabies Yellow fever Influenza Photos Photographs accompanied by text that reads "Courtesy ... of these photos are quite graphic. Shows how influenza germs spread through the air when someone coughs ...

  2. Credit Participation and Credit Source Selection of Vietnam Small and Medium Enterprises

    Directory of Open Access Journals (Sweden)

    Nguyen Anh Hoang

    2014-10-01

    Full Text Available This study is an attempt to investigate the motivation behind the decision to participate in the credit market of SMEs from perspectives of behavioral finance and social capital theories. In addi- tion, the study also examines the effect of behavioral finance and social capital factors on the credit source selection among SMEs. This study’s design strategy involves conducting questionnaire sur- veys to SMEs owners and statistical techniques to analyze the determinants of credit participation and credit source selection of borrowers. The findings showed that personal traits of SMEs owners/ managers in terms of behavioral finance factors such as debt and risk attitudes, present biased and overconfidence and firms networking also have impacts on the firms’ credit participation and credit source selection. The research is one of the few studies that consider the influence of behavioral finance factors on firms financing decision. Furthermore, our result also contributes to explain the common use of informal credit market in developing countries.

  3. Credit Risk Research

    DEFF Research Database (Denmark)

    Zamore, Stephen; Ohene Djan, Kwame; Alon, Ilan

    2018-01-01

    This article provides a comprehensive review of scholarly research on credit risk measurement during the last 57 years applying bibliometric citation analysis and elaborates an agenda for future research. The bibliography is compiled using the Institute for Scientific Information (ISI) Web...... of Science (WOS) database and includes all articles with citations over the period 1960–2016. Specifically, the review is carried out using 1695 articles across 72 countries published in 442 journals by 2928 authors. The findings suggest that credit risk research is multifaceted and can be classified...... into six streams: (1) defaultable security pricing, (2) default intensity modeling, (3) comparative analysis of credit models, (4) comparative analysis of credit markets, (5) credit default swap (CDS) pricing, and (6) loan loss provisions. The article contributes through synthesizing and identifying...

  4. OAS :: Photos

    Science.gov (United States)

    subscriptions Videos Photos Live Webcast Social Media Facebook @oasofficial Facebook Twitter @oas_official Photos and Symbols Authorities Social Media Facebook Twitter Newsletters Press and Communications Rights Actions against Corruption C Children Civil Registry Civil Society Contact Us Culture Cyber

  5. Credit: A Teaching Unit.

    Science.gov (United States)

    Clanton, Brandolyn; And Others

    Intended for teachers of secondary school students, five lessons on consumer credit are presented. In the first lesson students identify and evaluate sources of credit, compare some of the costs and benefits of credit, and learn to apply criteria used in evaluating applications for credit. In the second lesson, students learn about two basic types…

  6. Wet Mars, Dry Mars

    Science.gov (United States)

    Fillingim, M. O.; Brain, D. A.; Peticolas, L. M.; Yan, D.; Fricke, K. W.; Thrall, L.

    2012-12-01

    The magnetic fields of the large terrestrial planets, Venus, Earth, and Mars, are all vastly different from each other. These differences can tell us a lot about the interior structure, interior history, and even give us clues to the atmospheric history of these planets. This poster highlights the third in a series of presentations that target school-age audiences with the overall goal of helping the audience visualize planetary magnetic field and understand how they can impact the climatic evolution of a planet. Our first presentation, "Goldilocks and the Three Planets," targeted to elementary school age audiences, focuses on the differences in the atmospheres of Venus, Earth, and Mars and the causes of the differences. The second presentation, "Lost on Mars (and Venus)," geared toward a middle school age audience, highlights the differences in the magnetic fields of these planets and what we can learn from these differences. Finally, in the third presentation, "Wet Mars, Dry Mars," targeted to high school age audiences and the focus of this poster, the emphasis is on the long term climatic affects of the presence or absence of a magnetic field using the contrasts between Earth and Mars. These presentations are given using visually engaging spherical displays in conjunction with hands-on activities and scientifically accurate 3D models of planetary magnetic fields. We will summarize the content of our presentations, discuss our lessons learned from evaluations, and show (pictures of) our hands-on activities and 3D models.

  7. The impact of credit risk assessment on credit activity of commercial banks

    Directory of Open Access Journals (Sweden)

    Ljubić Marijana

    2015-01-01

    Full Text Available As banks have great social responsibility and are a subject to a specific and extensive regulations, one of the being Basel, the authors of this paper focus on the impact of credit risk assessment on credit activity of commercial banks. The authors of this paper provide a standard for risk management and an insight into directions on how to manage credit risk in the most efficient way and how to assess credit rating of a borrower.

  8. NASA Mars Conference

    International Nuclear Information System (INIS)

    Reiber, D.B.

    1988-01-01

    Papers about Mars and Mars exploration are presented, covering topics such as Martian history, geology, volcanism, channels, moons, atmosphere, meteorology, water on the planet, and the possibility of life. The unmanned exploration of Mars is discussed, including the Phobos Mission, the Mars Observer, the Mars Aeronomy Observer, the seismic network, Mars sample return missions, and the Mars Ball, an inflatable-sectored-tire rover concept. Issues dealing with manned exploration of Mars are examined, such as the reasons for exploring Mars, mission scenarios, a transportation system for routine visits, technologies for Mars expeditions, the human factors for Mars missions, life support systems, living and working on Mars, and the report of the National Commission on Space

  9. The Topography of Mars: Understanding the Surface of Mars Through the Mars Orbiter Laser Altimeter

    Science.gov (United States)

    Derby, C. A.; Neumann, G. A.; Sakimoto, S. E.

    2001-12-01

    The Mars Orbiter Laser Altimeter has been orbiting Mars since 1997 and has measured the topography of Mars with a meter of vertical accuracy. This new information has improved our understanding of both the surface and the interior of Mars. The topographic globe and the labeled topographic map of Mars illustrate these new data in a format that can be used in a classroom setting. The map is color shaded to show differences in elevation on Mars, presenting Mars with a different perspective than traditional geological and geographic maps. Through the differences in color, students can see Mars as a three-dimensional surface and will be able to recognize features that are invisible in imagery. The accompanying lesson plans are designed for middle school science students and can be used both to teach information about Mars as a planet and Mars in comparison to Earth, fitting both the solar system unit and the Earth science unit in a middle school curriculum. The lessons are referenced to the National Benchmark standards for students in grades 6-8 and cover topics such as Mars exploration, the Mars Orbiter Laser Altimeter, resolution and powers of 10, gravity, craters, seismic waves and the interior structure of a planet, isostasy, and volcanoes. Each lesson is written in the 5 E format and includes a student content activity and an extension showing current applications of Mars and MOLA data. These activities can be found at http://ltpwww.gsfc.nasa.gov/education/resources.html. Funding for this project was provided by the Maryland Space Grant Consortium and the MOLA Science Team, Goddard Space Flight Center.

  10. The influence of sovereign credit ratings on corporate credit ratings.

    OpenAIRE

    Umutoni, Liliane

    2017-01-01

    Credit ratings have a key role in modern financial markets as they communicate crucial information on the creditworthiness of a debt issuer to investors and regulators. These credit ratings are mostly determined by three rating agencies, namely Standard & Poor’s, Moody’s and Fitch, even though, the credit rating industry counts a dozen of recognized rating agencies. Indeed, the three agencies have become the market leaders with a market share of 94.3% on the U.S market (Bloomberg, 2015) and 9...

  11. Credit risk management in banks

    OpenAIRE

    Pětníková, Tereza

    2014-01-01

    The subject of this diploma thesis is managing credit risk in banks, as the most significant risk faced by banks. The aim of this work is to define the basic techniques, tools and methods that are used by banks to manage credit risk. The first part of this work focuses on defining these procedures and describes the entire process of credit risk management, from the definition of credit risk, describing credit strategy and policy, organizational structure, defining the most used credit risk mi...

  12. Sex of respondent and credit attitudes as predictors of credit card use and debt payment.

    Science.gov (United States)

    McCall, Michael; Eckrich, Donald W

    2006-06-01

    Researchers have suggested there may be sex differences in attitudes towards credit card possession and use. Undergraduates, 41 men and 41 women, completed a survey regarding their attitudes towards credit, credit card use, and repayment. Analysis indicated sex played a significant moderating role between number of credit cards used and the importance of paying off monthly balances. Women possessed more credit cards than men and engaged in more frequent shopping. Number of credit cards increased with paying off of monthly balances. Data are discussed in terms of the importance of managing credit card debt in an increasingly cashless society.

  13. Consumer Handbook to Credit Protection Laws.

    Science.gov (United States)

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

    The five sections of this consumer handbook are The Cost of Credit, Applying for Credit, Credit Histories and Records, Correcting Credit Mistakes, and Complaining about Credit. Each section discusses relevant legislation: Truth in Lending, the Equal Credit Opportunity Act, and the Fair Credit Reporting Act. Topics discussed in section I include…

  14. MANAGEMENT OF CREDIT LOSSES

    Directory of Open Access Journals (Sweden)

    Natalya P. Anoshkina

    2018-06-01

    Full Text Available The paper is devoted to the problem of credit loss management topical for modern Russian science and banking practice. The bank’s lending activity is an integral and the most profitable sphere of banking activity. Banks need to take credit risks inherent in their core business and minimize their impact through the establishment of advanced risk management systems. The study, reflected in the present paper, has been conducted in order to determine approaches to the organization of credit loss management in banking. Analysis of the system of management of credit risks and credit losses has shown that they have different scope, object and purpose. In this connection, there is an objective necessity to create a special subsystem for the management of credit losses in banks. On the basis of common bank approaches to credit risk management, the paper develops models of credit loss management: a multi-level management model in the area of ‘operational-tactical-strategic management’ and a functional management model in the area of ‘technology-execution-control’. These models are important for the modern theory and practice of banking, as they allow the bank to manage credit losses on the entire time horizon of the management process, thus opening a wide range of opportunities for the creation and implementation of large-scale programs, as well as specific techniques. This study allows drawing a conclusion about the need to consider control credit losses as a strictly regulated multi-level process, in which each division is assigned with specific objectives, tasks, functions, formally enshrined in the relevant lists, job descriptions and other legal documents.

  15. Non-conventional fuel tax credit

    International Nuclear Information System (INIS)

    Soeoet, P.M.

    1988-01-01

    Coal-seam methane, along with certain other non-conventional fuels, is eligible for a tax credit. This production tax credit allowed coal-seam methane producers to receive $0.7526 per million Btu of gas sold during 1986. In 1987, this credit rose to $0.78 per million Btu. The tax credit is a very significant element of the economic analysis of current coal-seam methane projects. In today's spot market, gas prices are around $1.50 per million Btu. Allowing for costs of production, the gas producer will net more income from the tax credit than from the sale of the gas. The Crude Oil Windfall Profit Tax Act of 1980 is the source of this tax credit. There were some minor changes made by subsequent legislation, but most of the tax credit has remained intact. Wells must be drilled by 1990 to qualify for the tax credit but the production from such wells is eligible for the tax credit until 2001. Projections have been made, showing that the tax credit should increase to $0.91 per million Btu for production in 1990 and $1.34 per million Btu in 2000. Variables which may decrease the tax credit from these projections are dramatically lower oil prices or general economic price deflation

  16. Credit Management System

    Data.gov (United States)

    US Agency for International Development — Credit Management System. Outsourced Internet-based application. CMS stores and processes data related to USAID credit programs. The system provides information...

  17. Credit Union Headquarters

    Data.gov (United States)

    Department of Homeland Security — The National Credit Union Administration (NCUA) is the independent federal agency that charters and supervises federal credit unions. NCUA, backed of the full faith...

  18. ATLAS TileCal Submodule Production Photos (2001)

    CERN Multimedia

    Errede, S.

    2001-01-01

    Photo 1 - Dirty Spacers Photo 2 - Washing Plates Photo 3 - Throw Photo 4 - Catch Photo 5 - Mascot Photo 6 - Glue Machine Photo 7 - Gluing Photo 8 - Finished submodule Photo 9 - Submodule being final welded Photo 10 - Paint tank Photo 11 - Submodule is wrapped Photo 12 - Exhaustion

  19. The atmospheric escape at Mars: complementing the scenario

    Science.gov (United States)

    Lilensten, Jean; Simon, Cyril; Barthélémy, Mathieu; Thissen, Roland; Ehrenreich, David; Gronoff, Guillaume; Witasse, Olivier

    2013-04-01

    In the recent years, the presence of dications in the atmospheres of Mars, Venus, Earth and Titan has been modeled and assessed. These studies also suggested that these ions could participate to the escape of the planetary atmospheres because a large fraction of them is unstable and highly ener- getic. When they dissociate, their internal energy is transformed into kinetic energy which may be larger than the escape energy. This study assesses the impact of the doubly-charged ions in the escape of CO2-dominated planetary atmospheres and to compare it to the escape of thermal photo-ions.We solve a Boltzmann transport equation at daytime taking into account the dissociative states of CO++ for a simplified single constituent atmosphere of a 2 case-study planet. We compute the escape of fast ions using a Beer-Lambert approach. We study three test-cases. On a Mars-analog planet in today's conditions, we retrieve the measured electron escape flux. When comparing the two mechanisms (i.e. excluding solar wind effects, sputtering ...), the escape due to the fast ions issuing from the dissociation of dications may account for up to 6% of the total and the escape of thermal ions for the remaining. We show that these two mechanisms cannot explain the escape of the atmosphere since the magnetic field vanished but complement the other processes and allow writing the scenario of the Mars escape. We show that the atmosphere of a Mars analog planet would empty in another giga years and a half. At Venus orbit, the contribution of the dications in the escape rate is negligible.When simulating the hot Jupiter HD209458b, the two processes cannot explain the measured escape flux of C+.

  20. Credit risk transfer

    OpenAIRE

    Bank for International Settlements

    2003-01-01

    Executive summary Techniques for transferring credit risk, such as financial guarantees and credit insurance, have been a long-standing feature of financial markets. In the past few years, however, the range of credit risk transfer (CRT) instruments and the circumstances in which they are used have widened considerably. A number of factors have contributed to this growth, including: greater focus by banks and other financial institutions on risk management; a more rigorous approach to risk/re...

  1. Dynamic Virtual Credit Card Numbers

    Science.gov (United States)

    Molloy, Ian; Li, Jiangtao; Li, Ninghui

    Theft of stored credit card information is an increasing threat to e-commerce. We propose a dynamic virtual credit card number scheme that reduces the damage caused by stolen credit card numbers. A user can use an existing credit card account to generate multiple virtual credit card numbers that are either usable for a single transaction or are tied with a particular merchant. We call the scheme dynamic because the virtual credit card numbers can be generated without online contact with the credit card issuers. These numbers can be processed without changing any of the infrastructure currently in place; the only changes will be at the end points, namely, the card users and the card issuers. We analyze the security requirements for dynamic virtual credit card numbers, discuss the design space, propose a scheme using HMAC, and prove its security under the assumption the underlying function is a PRF.

  2. 12 CFR 561.12 - Consumer credit.

    Science.gov (United States)

    2010-01-01

    ...; loans in the nature of overdraft protection; and credit extended in connection with credit cards. ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Consumer credit. 561.12 Section 561.12 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.12 Consumer credit. The term consumer credit means credit extended...

  3. THE CREDIT AND CREDIT RISK MANAGEMENT DURING THE CRISIS

    Directory of Open Access Journals (Sweden)

    Chitan Gheorghe

    2012-03-01

    Full Text Available Considering the importance of credit risk management to ensure the financial system stability,the paper presents financial and real sector interaction highlighting that credit growth based on increase of creditdemand, of income, of assets prices, of currency availability, the interest rate differential between countries andrelaxation of regulatory framework, leaves banks more vulnerable to subsequent downturn in economic activity andasset prices. It also outlines the steps taken or those I think that should be implemented in terms of improving creditrisk management, implementation of regulatory measures to limit credit expansion, enforcing the regulatoryrequirements for covering the expected and unexpected losses, introduction of new surveillance tools aimed to leadto a more resilient financial system.

  4. Determinants of SME credit worthiness under Basel rules: the value of credit history information

    Directory of Open Access Journals (Sweden)

    Francesco Dainelli

    2013-03-01

    Full Text Available The Basel III Accord has reportedly had an impact on SME financing. In this paper, we aim to highlight the determinants of SME credit worthiness. We use credit history in addition to financial ratios and “hybrid” indicators that have been built by mixing credit history with financial statement data. We develop a failure prediction logit model on 187 Italian SMEs. The use of short-term credit lines is the most important variable. Contrary to common understanding, capitalization levels do not affect ratings. Lastly, credit worthiness is sensitive to sale profitability.

  5. USRCRN Photo Information

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Photos of USRCRN stations and their immediate surroundings. Taken by engineering techs from NOAA's Atmospheric Turbulence and Diffusion Division (ATDD). Photos are...

  6. Kodak's Photo CD and Proposed Photo YCC Color Standard.

    Science.gov (United States)

    Urrows, Henry; Urrows, Elizabeth

    1991-01-01

    Describes new technology being developed by Eastman Kodak for storing 35mm color photos on compact disk (CD) and discusses its applications for desktop publishing. Benefits of photo CD and costs are examined, a proposed universal color standard that is an improved way to represent color digitally is explained, and software is discussed. (LRW)

  7. Credit Card Quiz.

    Science.gov (United States)

    Marks, Jeff

    2000-01-01

    Describes an activity in which students design credit cards and discover for themselves the mathematical realities of buying on credit. Employs multiple-intelligence theory to increase the chance that all students will be reached. (YDS)

  8. Credit derivatives and risk management

    OpenAIRE

    Michael S. Gibson

    2007-01-01

    The striking growth of credit derivatives suggests that market participants find them to be useful tools for risk management. I illustrate the value of credit derivatives with three examples. A commercial bank can use credit derivatives to manage the risk of its loan portfolio. An investment bank can use credit derivatives to manage the risks it incurs when underwriting securities. An investor, such as an insurance company, asset manager, or hedge fund, can use credit derivatives to align its...

  9. Latinos in the Credit Economy

    OpenAIRE

    Ralph, Lisa M.

    2010-01-01

    Access to consumer credit as a means of building wealth is one of the least examined forms of social inequality. The recent economic crisis in the United States has brought attention to the significance of consumer credit in our nation's economy; however, less understood are the specific obstacles and barriers that prevent low-income individuals from reaching the "American Dream." In an exploratory manner, this study compared credit access, credit literacy, and credit experience of low-income...

  10. CRN Photo Information

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Photos of CRN stations and their immediate surroundings. Taken by engineering techs from NOAA's Atmospheric Turbulence and Diffusion Division (ATDD). Photos are used...

  11. Quality of urban forest carbon credits

    Science.gov (United States)

    Neelam C. Poudyala; Jacek P. Siry; J.M. Bowker

    2011-01-01

    While the urban forest is considered an eligible source of carbon offset credits, little is known about its market potential and the quality aspects of the credits. As credit suppliers increase in number and credit buyers become more interested in purchasing carbon credits, it is unclear whether and how urban forest carbon credits can perform relative to the other...

  12. Boundedly rational credit cycles

    OpenAIRE

    Sáez, María

    1996-01-01

    We propose an evolutionary model of a credit market. We show that the economy exhibits credit cycles. The model predicts dynamics which are consistent with some evidence about the Great Depression. Real shocks trigger episodes of credit--crunch which are observed in the process of adjustment towards the post shock equilibrium.

  13. Statistical credit risk assessment model of small and very small enterprises for Lithuanian credit unions

    OpenAIRE

    Špicas, Renatas

    2017-01-01

    While functioning in accordance with the new, business and efficiency-oriented operating model, credit unions develop and begin functioning outside the community. It is universally recognised in scientific literature that as credit unions expand their activities beyond a community, social relations with credit union members weaken and the credit unions lose their social control element, which help them to better assess and manage information asymmetry and credit risk. So far, the analysis of ...

  14. Comment on Geoengineering with seagrasses: is credit due where credit is given?

    Science.gov (United States)

    Oreska, Matthew P. J.; McGlathery, Karen J.; Emmer, Igino M.; Needelman, Brian A.; Emmett-Mattox, Stephen; Crooks, Stephen; Megonigal, J. Patrick; Myers, Doug

    2018-03-01

    In their recent review, ‘Geoengineering with seagrasses: is credit due where credit is given?,’ Johannessen and Macdonald (2016) invoke the prospect of carbon offset-credit over-allocation by the Verified Carbon Standard as a pretense for their concerns about published seagrass carbon burial rate and global stock estimates. Johannessen and Macdonald (2016) suggest that projects seeking offset-credits under the Verified Carbon Standard methodology VM0033: Methodology for Tidal Wetland and Seagrass Restoration will overestimate long-term (100 yr) sediment organic carbon (SOC) storage because issues affecting carbon burial rates bias storage estimates. These issues warrant serious consideration by the seagrass research community; however, VM0033 does not refer to seagrass SOC ‘burial rates’ or ‘storage.’ Projects seeking credits under VM0033 must document greenhouse gas emission reductions over time, relative to a baseline scenario, in order to receive credits. Projects must also monitor changes in carbon pools, including SOC, to confirm that observed benefits are maintained over time. However, VM0033 allows projects to conservatively underestimate project benefits by citing default values for specific accounting parameters, including CO2 emissions reductions. We therefore acknowledge that carbon crediting methodologies such as VM0033 are sensitive to the quality of the seagrass literature, particularly when permitted default factors are based in part on seagrass burial rates. Literature-derived values should be evaluated based on the concerns raised by Johannessen and Macdonald (2016), but these issues should not lead to credit over-allocation in practice, provided VM0033 is rigorously followed. These issues may, however, affect the feasibility of particular seagrass offset projects.

  15. Models of Credit Risk Measurement

    OpenAIRE

    Hagiu Alina

    2011-01-01

    Credit risk is defined as that risk of financial loss caused by failure by the counterparty. According to statistics, for financial institutions, credit risk is much important than market risk, reduced diversification of the credit risk is the main cause of bank failures. Just recently, the banking industry began to measure credit risk in the context of a portfolio along with the development of risk management started with models value at risk (VAR). Once measured, credit risk can be diversif...

  16. Correlation-Preserving Photo Collage.

    Science.gov (United States)

    Liu, Lingjie; Zhang, Hongjie; Jing, Guangmei; Guo, Yanwen; Chen, Zhonggui; Wang, Wenping

    2017-05-12

    A new method is presented for producing photo collages that preserve content correlation of photos. We use deep learning techniques to find correlation among given photos to facilitate their embedding on the canvas, and develop an efficient combinatorial optimization technique to make correlated photos stay close to each other. To make efficient use of canvas space, our method first extracts salient regions of photos and packs only these salient regions. We allow the salient regions to have arbitrary shapes, therefore yielding informative, yet more compact collages than by other similar collage methods based on salient regions. We present extensive experimental results, user study results, and comparisons against the state-of-the-art methods to show the superiority of our method.

  17. 49 CFR 536.4 - Credits.

    Science.gov (United States)

    2010-10-01

    ... OF TRANSPORTATION TRANSFER AND TRADING OF FUEL ECONOMY CREDITS § 536.4 Credits. (a) Type and vintage... category, and model year of origin (vintage). (b) Application of credits. All credits earned and applied are calculated, per 49 U.S.C. 32903(c), in tenths of a mile per gallon by which the average fuel...

  18. Credit Market Information Feedback

    OpenAIRE

    Balasubramanyan, Lakshmi; Craig, Ben R.; Thomson, James B.; Zaman, Saeed

    2015-01-01

    We examine how a combination of credit market and asset quality information can jointly be used in assessing bank franchise value. We find that expectations of future credit demand and future asset quality explain contemporaneous bank franchise value, indicative of the feedback in credit market information and its consequent impact on bank franchise value.

  19. The two-child limit for Universal Credit and Child Tax Credit

    OpenAIRE

    MACHIN, Richard

    2017-01-01

    Richard Machin explores the background to, and likely impact of, the two-child limit on the child element in Universal Credit and the Child Tax Credit, which was introduced by the Welfare Reform and Work Act 2016

  20. Credit Hours with No Set Time: A Study of Credit Policies in Asynchronous Online Education

    Science.gov (United States)

    Prasuhn, Frederick Carl

    2014-01-01

    U.S. public university system policies were examined to learn how credit hours were determined for asynchronous online education. Findings indicated that (a) credit hour meaning and use are not consistent, (b) primary responsibility for credit hour decisions was at the local level, and (c) no policies exist to guide credit hour application for…

  1. CREDIT DEFAULT SWAPS IN THE MECHANISM OF REDISTRIBUTION OF CREDIT RISK

    Directory of Open Access Journals (Sweden)

    O. Solodka

    2015-03-01

    Full Text Available In the article the economic nature and the functioning of CDS in terms of efficient redistribution of credit risk. The features of the dynamics of the nominal volume of the world market CDS, the gross market value and net market value of the CDS. Proved that more objective indicators of total credit risk shenerovanoho financial institutions are gross market value of the CDS and the net market value of CDS. We consider the variety and scope of CDS. Studied objectivity CDS valuation depending on the basis for valuation of CDS. In the mechanism of functioning CDS credit event as defined default “subject matter”, the features of conventional and technical default. Noted that a credit event for the use of CDS may also restructuring the company, bankruptcy or downgrade economic entity. In the article the types of CDS, including Basket Default Swap and First-of- Basket-to-Default Swap. We consider the application of CDS, namely hedge the credit risk of the underlying asset, which issued CDS; hedging credit risk of other assets by CDS; speculative trading in CDS. Depending on the particular basis for valuation of CDS, investigated objective valuation based on the value of CDS hedging; valuation CDS, based on the intensity of default; CDS valuation based on credit rating; valuation CDS, based on the value of the company. Proved that hedging through CDS will be effective only for the low correlation between the default of the underlying asset and counterparty default on swaps. It is proved that the accuracy and redutsyrovanyh structural models strongly depends on the “a long history of trading” underlying assets, asset must have a long history of trading, be the subject of in-depth analysis of a wide range of analysts and traders.

  2. Photo-electron spectroscopy using synchrotron radiation of molecular radicals and fragments produced by laser photo-dissociation

    International Nuclear Information System (INIS)

    Nahon, Laurent

    1991-01-01

    This research thesis reports the combined use of a laser and of a synchrotron radiation in order to respectively photo-dissociate a molecule and to photo-ionize fragments which are analysed by photo-electron spectroscopy. This association allows, on the one hand, radical photo-ionization to be studied, and, on the other hand, polyatomic molecule photo-dissociation to be studied. The author studied the photo-excitation and/or photo-ionization in layer 4d (resp. 3d) of atomic iodine (resp. bromine) produced almost complete laser photo-dissociation of I_2 (resp. Br_2). He discuses the processes of relaxation of transitions from valence 4d to 5p (resp. 3d to 4p) which occur either by direct self-ionization or by resonant Auger effect, and reports the study of photo-dissociation of s-tetrazine (C_2N_4H_2) [fr

  3. In-tank photo analysis

    International Nuclear Information System (INIS)

    Vorvick, C.A.; Baird, D.B.; Heasler, P.G.

    1995-09-01

    This report documents an analysis performed by Pacific Northwest Laboratory (PNL) of photographs showing the interior of a single shell tank (SST) at the Hanford site. This report shows that in-tank photos can be used to create a plan-view map of the waste surface inside a tank, and that measuring the elevation of the waste surface from the photos is possible, but not accurate enough to be useful at this time. In-tank photos were acquired for Tanks BX111 and T111. The BX111 photos were used to create the waste surface map and to measure the waste surface elevation. T111 photos were used to measure the waste surface elevation. Uncertainty analyses of the mapping and surface elevation are included to show the accuracy of the calculations for both methods

  4. Credit Cards. Bulletin No. 721. (Revised.)

    Science.gov (United States)

    Fox, Linda Kirk

    This cooperative extension bulletin provides basic information about credit cards and their use. It covers the following topics: types of credit cards (revolving credit, travel and entertainment, and debit); factors to consider when evaluating a credit card (interest rates, grace period, and annual membership fee); other credit card costs (late…

  5. 7 CFR 4280.139 - Credit quality.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Credit quality. 4280.139 Section 4280.139 Agriculture... Improvements Program Section B. Guaranteed Loans § 4280.139 Credit quality. The lender must determine credit quality and must address all of the elements of credit quality in a written credit analysis, including...

  6. Value of credit bureau reports

    Directory of Open Access Journals (Sweden)

    Brković Milan

    2017-01-01

    Full Text Available An efficient system of credit information sharing contributes to solving the problem of information asymmetry on the credit and financial markets in general. The consequences of the global economic and financial crisis revealed an increasing demand for reliable information and data which could close the existing gap in their insufficiency, misuse or inadequate analytical value for the economic and financial policy makers. In that sense, more attention is directed to the usefulness of credit information sharing and the practical value of information and data contained in credit bureau reports for the purposes of achieving the overall economic policy goals. The fulfillment of that role depends mostly on the credit information sharing system and its characteristics, participants, and procedures. A credit bureau report in the best possible manner reflects all advantages and disadvantages of the established credit information exchange system in terms of its analytical value for the purposes of efficient macroeconomic and macrofinancial policies.

  7. 12 CFR 703.6 - Credit analysis.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit analysis. 703.6 Section 703.6 Banks and... ACTIVITIES § 703.6 Credit analysis. A Federal credit union must conduct and document a credit analysis on an... Federal Deposit Insurance Corporation. A Federal credit union must update this analysis at least annually...

  8. Trust and Credit

    DEFF Research Database (Denmark)

    Harste, Gorm

    The present paper is an answer to the question, how did trust and credit emerge. The systems of trust and credit reduce the environmental and contextual complexities in which trust and credit are embedded. The paper analyses the forms of this reduction in a number of stages in the evolution...... of history from the present risk of modern systems back to early modernity, the Reformation and the high medieval Revolutions in law, organization and theology. It is not a history of economics, but a history of the conditions of some communication codes used in economic systems....

  9. Credit Risk Modeling

    DEFF Research Database (Denmark)

    Lando, David

    Credit risk is today one of the most intensely studied topics in quantitative finance. This book provides an introduction and overview for readers who seek an up-to-date reference to the central problems of the field and to the tools currently used to analyze them. The book is aimed at researchers...... and students in finance, at quantitative analysts in banks and other financial institutions, and at regulators interested in the modeling aspects of credit risk. David Lando considers the two broad approaches to credit risk analysis: that based on classical option pricing models on the one hand...

  10. Documentary Credit Transfer and Other Financing from What Can Match as Product of Credit

    Directory of Open Access Journals (Sweden)

    Libardo Quintero Salazar

    2016-12-01

    Full Text Available When a contract of international sale of goods is mediated by a form of payment as the documentary credit, exporters that initially lack financial resources to produce or obtain merchandise that then will be delivered to the importer, look as first natural possibility of financing the transfer for the documentary credit. Now not always the credit can be transferable in accordance with the Uniform Customs and Practice for Documentary Credits (UCP – because, for example, the importer or the financial entity do not want it in that way. Given the above scenario, this article aims to provide solutions, explaining legal alternatives for the exporter that is not in the UCP-, to use the money that might correspond as a result of the documentary credit, to finance the production or acquisition of goods against other traders, and then reselling them to the importer. It concludes that the exporter can achieve such immediate funding - similar to what encourage the transfer of documentary credit - using to their relations with the supplier, figures as the assignment of a future credit, banker’s acceptance and contract terms.

  11. Modern bank's credit risk

    Directory of Open Access Journals (Sweden)

    Šabović Šerif

    2015-01-01

    Full Text Available Credit risk is the most important risk banks have to face with. It occurs due to an obligation created because of debtors' capital and interest rate nonpayment. Debtors obligations non-fulfilment may lead to great losses and insolvency in bank's business. Credit risk is the crucial reason of bank's insolvency. Over 80% of bank's balance sheet is exposed to credit risk.

  12. Advances in Home Photo Printing

    Institute of Scientific and Technical Information of China (English)

    Qian Lin; Brian Atkins; Huitao Luo

    2004-01-01

    With digital camera adoptions going main stream, consumers capture a record number of photos.Currently, the majority of the digital photos are printed at home. One of the key enablers of this transformation is the advancement of home photo printing technologies. In the past few years, inkjet printing technologies have continued to deliver smaller drop size, larger number of inks, and longer-lasting prints. In the mean time, advanced image processing automatically enhances captured digital photos while being printed. The combination of the above two forces has closed the gap between the home photo prints and AgX prints. It will give an overview of the home photo printing market and technology trends, and discuss major advancements in automatic image processing.

  13. Inventory and Credit Decisions under Day-Terms Credit Linked Demand and Allowance for Bad Debts

    Directory of Open Access Journals (Sweden)

    K. K. Aggarwal

    2014-01-01

    Full Text Available In order to stimulate demand of their product, firms generally give credit period to their customers. However, selling on credit exposes the firms to the additional dimension of bad debts expense (i.e., customer’s default. Moreover, credit period through its influence on demand becomes a determinant of inventory decisions and inventory sold on credit gets converted to accounts receivable indicating the interaction between the two. Since inventory and credit decisions are interrelated, inventory decisions must be determined jointly with credit decisions. Consequently, in this paper, a mathematical model is developed to determine inventory and credit decisions jointly. The demand rate is assumed to be a logistic function of credit period. The accounts receivable carrying cost along with an explicit consideration of bad debt expense which have been often ignored in previous models are incorporated in the present model. The discounted cash flow approach (DCF is used to develop the model and the objective is to maximize the present value of the firm’s net profit per unit time. Finally, numerical example and sensitivity analysis have been done to illustrate the effectiveness of the proposed model.

  14. Credit Card Debt Hardship Letter Samples

    OpenAIRE

    lissa coffey

    2016-01-01

    Having trouble with your credit card debt? Below you will find examples of hardship letters. There are several things to consider when writing a credit card hardship letter. A hardship letter is the first step to letting the credit card company know that things are bad. This free credit card hardship letter sample is only a guide in order to start the negotiation. Credit card debt hardship letter example, hardship letter to credit card. If you are having trouble paying off your debt and need ...

  15. Credit cues and impression management: a preliminary attempt to explain the credit card effect.

    Science.gov (United States)

    McCall, Michael; Trombetta, Jessica; Gipe, Aimee

    2004-08-01

    Prior research had suggested that individuals would estimate higher product values and even tip more in the presence of credit cues. In the absence of a clear theoretical interpretation of this credit card effect we propose that this tendency is an impression management strategy such that credit cue exposure influences perceptions of the self and focuses attention on individual wealth. Thus, in the presence of others, credit cues serve to enhance images of the self. Preliminary data in support of this alternative theoretical perspective are presented.

  16. Mars bevares

    DEFF Research Database (Denmark)

    Hendricks, Vincent Fella; Hendricks, Elbert

    2009-01-01

    2009 er femåret for Mission Mars. I den anledning opridser de to kronikører, far og søn, hvorfor man bør lade planer om en bemandet tur til Mars forblive i skrivebordsskuffen......2009 er femåret for Mission Mars. I den anledning opridser de to kronikører, far og søn, hvorfor man bør lade planer om en bemandet tur til Mars forblive i skrivebordsskuffen...

  17. Permit trading and credit trading

    DEFF Research Database (Denmark)

    Boom, Jan-Tjeerd; R. Dijstra, Bouwe

    This paper compares emissions trading based on a cap on total emissions (permit trading) and on relative standards per unit of output (credit trading). Two types of market structure are considered: perfect competition and Cournot oligopoly. We find that output, abatement costs and the number...... of firms are higher under credit trading. Allowing trade between permit-trading and credit-trading sectors may increase in welfare. With perfect competition, permit trading always leads to higher welfare than credit trading. With imperfect competition, credit trading may outperform permit trading....... Environmental policy can lead to exit, but also to entry of firms. Entry and exit have a profound impact on the performance of the schemes, especially under imperfect competition. We find that it may be impossible to implement certain levels of total industry emissions. Under credit trading several levels...

  18. Overrated credit risk: three essays on credit risk in turbulent times

    NARCIS (Netherlands)

    Bongaerts, D.G.J.

    2010-01-01

    Credit markets have shown a dramatic development at the start of the 21st century. Increased regulatory pressure on financial institutions has spurred the development of innovative products that allow for transfer of credit risk. These developments lay at the base of the largest financial crisis

  19. The Impact of Financial Development on the Relationship between Trade Credit, Bank Credit and Firm Characteristics

    OpenAIRE

    Jézabel Couppey-Soubeyran; Jérôme Héricourt

    2013-01-01

    Using a database of more than 1,300 firms from six countries in the MENA region, we study the impact of financial development on the relationship between trade credit on the one hand and bank credit access and firm-level characteristics, especially financial health, on the other hand. Trade credit use increases with the difficulty for gaining access to bank credit, and indicators of the quality of the firm's financial structure negatively influence the use of trade credit. Additional investig...

  20. The "Negative" Credit Card Effect: Credit Cards as Spending-Limiting Stimuli in New Zealand

    Science.gov (United States)

    Lie, Celia; Hunt, Maree; Peters, Heather L.; Veliu, Bahrie; Harper, David

    2010-01-01

    The "credit card effect" describes a finding where greater value is given to consumer items if credit card logos are present. One explanation for the effect is that credit cards elicit spending behavior through associative learning. If this is true, social, economic and historical contexts should alter this effect. In Experiment 1, Year…

  1. Intertemporal consumption and credit constraints

    DEFF Research Database (Denmark)

    Leth-Petersen, Søren

    2010-01-01

    There is continuing controversy over the importance of credit constraints. This paper investigates whether total household expenditure and debt is affected by an exogenous increase in access to credit provided by a credit market reform that enabled Danish house owners to use housing equity...

  2. Dynamic Diversification in Corporate Credit

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Jacobs, Kris; Jin, Xisong

    We characterize diversification in corporate credit using a new class of dynamic copula models which can capture dynamic dependence and asymmetry in large samples of firms. We also document important differences between credit spread and equity return dependence dynamics. Modeling a decade...... the crisis and remain high as well. The most important shocks to credit dependence occur in August of 2007 and in August of 2011, but interestingly these dates are not associated with significant changes to median credit spreads....

  3. 12 CFR 615.5172 - Production credit association and agricultural credit association investment in farmers' notes...

    Science.gov (United States)

    2010-01-01

    ... credit association investment in farmers' notes given to cooperatives and dealers. 615.5172 Section 615....5172 Production credit association and agricultural credit association investment in farmers' notes... farmers and ranchers eligible to borrow from such associations. (b) Such notes and other obligations...

  4. Burnup credit in Spain

    International Nuclear Information System (INIS)

    Conde, J.M.; Recio, M.

    2001-01-01

    The status of development of burnup credit for criticality safety analyses in Spain is described in this paper. Ongoing activities in the country in this field, both national and international, are resumed. Burnup credit is currently being applied to wet storage of PWR fuel, and credit to integral burnable absorbers is given for BWR fuel storage. It is envisaged to apply burnup credit techniques to the new generation of transport casks now in the design phase. The analysis methodologies submitted for the analyses of PWR and BWR fuel wet storage are outlined. Analytical activities in the country are described, as well as international collaborations in this field. Perspectives for future research and development of new applications are finally resumed. (author)

  5. Dual Credit Report

    Science.gov (United States)

    Light, Noreen

    2016-01-01

    In 2015, legislation to improve access to dual-credit programs and to reduce disparities in access and completion--particularly for low income and underrepresented students--was enacted. The new law focused on expanding access to College in the High School but acknowledged issues in other dual-credit programs and reinforced the notion that cost…

  6. Limited take-up of health coverage tax credits: a challenge to future tax credit design.

    Science.gov (United States)

    Dorn, Stan; Varon, Janet; Pervez, Fouad

    2005-10-01

    The Trade Act of 2002 created federal tax credits to subsidize health coverage for certain early retirees and workers displaced by international trade. Though small, this program offers the opportunity to learn how to design future tax credits for larger groups of uninsured. During September 2004, the most recent month for which there are data about all forms of Trade Act credits, roughly 22 percent of eligible individuals received credits. The authors find that health insurance tax credits are more likely to reach their target populations if such credits: 1) limit premium costs for the low-income uninsured and do not require full premium payments while applications are pending; 2) provide access to coverage that beneficiaries value, including care for preexisting conditions; 3) are combined with outreach that uses easily understandable, multilingual materials and proactive enrollment efforts; and 4) feature a simple application process involving one form filed with one agency.

  7. 12 CFR 614.4125 - Funding and discount relationships between Farm Credit Banks or agricultural credit banks and...

    Science.gov (United States)

    2010-01-01

    ..., Risk Management, Farm Credit System Insurance Corporation. (f) A direct lender association shall... Administration office that the Chief Examiner designates, and the Director, Risk Management, Farm Credit System... Credit Banks or agricultural credit banks and direct lender associations. 614.4125 Section 614.4125 Banks...

  8. Follow Up: Credit Card Caution

    Science.gov (United States)

    Cahill, Timothy P.

    2007-01-01

    In "Pushing Plastic," ("The New England Journal of Higher Education", Summer 2007), John Humphrey notes that many college administrators justify their credit card solicitations by suggesting that credit card access will help students learn to manage their own finances. Instead, credit card debt will teach thousands of students…

  9. 49 CFR 260.13 - Credit reform.

    Science.gov (United States)

    2010-10-01

    ... appropriations, direct payment of a Credit Risk Premium by the Applicant or a non-Federal infrastructure partner... 49 Transportation 4 2010-10-01 2010-10-01 false Credit reform. 260.13 Section 260.13... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.13 Credit reform. The Federal Credit Reform Act...

  10. 76 FR 79531 - Corporate Credit Unions

    Science.gov (United States)

    2011-12-22

    ... exclude CLF stock subscriptions, based on the asset's negligible credit risk and to facilitate corporate... removing paragraphs (c)(3) and (f)(4) and adding paragraph (h) to read as follows: Sec. 704.6 Credit risk... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 704 RIN 3133-AD95 Corporate Credit Unions AGENCY...

  11. Your Credit Rights: An Instructional Unit on Consumer Credit Protection. Revised.

    Science.gov (United States)

    Jensen, Barbara J.; And Others

    This instructional guide adds two new sections to the original guide published in May 1982. The guide was designed to assist educators in teaching the topics of consumer credit and consumer credit protection to secondary and postsecondary students in various economics and business courses, as well as in adult and community education courses. The…

  12. 12 CFR 614.4720 - Letters of credit.

    Science.gov (United States)

    2010-01-01

    ... Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Banks for Cooperatives and Agricultural Credit Banks Financing International Trade § 614.4720 Letters of credit. Banks for cooperatives and agricultural credit banks, under policies adopted by their boards of directors...

  13. Photo-electret effects in homogenous semiconductors

    International Nuclear Information System (INIS)

    Nabiev, G.A.

    2004-01-01

    In the given work is shown the opportunity and created the theory of photo-electret condition in semiconductors with Dember mechanism of photo-voltage generation. Photo-electret of such type can be created, instead of traditional and without an external field as a result of only one illumination. Polar factor, in this case, is the distinction of electrons and holes mobility. Considered the multilayered structure with homogeneous photoactive micro areas shared by the layers, which are interfering to alignment of carriers concentration. We consider, that the homogeneous photoactive areas contain deep levels of stick. Because of addition of elementary photo voltage in separate micro photo cells it is formed the abnormal-large photo voltage (APV-effect). Let's notice, that Dember photo-voltage in a separate micro photo-cell ≤kT/q. From the received expressions, in practically important, special case, when quasi- balance between valent zone and stick levels established in much more smaller time, than free hole lifetime, and we received, that photo-voltage is relaxing. Comparing of the received expressions with the laws of photo voltage attenuation in p-n- junction structures shows their identity; the difference is only in absolute meanings of photo voltage. During the illumination in the semiconductor are created the superfluous concentration of charge carriers and part from them stays at deep levels. At de-energizing light there is a gradual generation of carriers located at these levels

  14. Optimal replenishment and credit policy in supply chain inventory model under two levels of trade credit with time- and credit-sensitive demand involving default risk

    Science.gov (United States)

    Mahata, Puspita; Mahata, Gour Chandra; Kumar De, Sujit

    2018-03-01

    Traditional supply chain inventory modes with trade credit usually only assumed that the up-stream suppliers offered the down-stream retailers a fixed credit period. However, in practice the retailers will also provide a credit period to customers to promote the market competition. In this paper, we formulate an optimal supply chain inventory model under two levels of trade credit policy with default risk consideration. Here, the demand is assumed to be credit-sensitive and increasing function of time. The major objective is to determine the retailer's optimal credit period and cycle time such that the total profit per unit time is maximized. The existence and uniqueness of the optimal solution to the presented model are examined, and an easy method is also shown to find the optimal inventory policies of the considered problem. Finally, numerical examples and sensitive analysis are presented to illustrate the developed model and to provide some managerial insights.

  15. Who Gets the Credit? Who Pays the Consequences? The Illinois Tuition Tax Credit. Special Report.

    Science.gov (United States)

    Pathak, Arohi; Keenan, Nancy

    In 1999, Illinois enacted a tuition tax credit program. Tax credit supporters suggest tax credits help low-income students. However, opponents argue that they disproportionately benefit higher-income families whose children are already attending private schools and may decrease already limited resources available to public schools. New data from…

  16. Cars on Mars

    Science.gov (United States)

    Landis, Geoffrey A.

    2002-01-01

    Mars is one of the most fascinating planets in the solar system, featuring an atmosphere, water, and enormous volcanoes and canyons. The Mars Pathfinder, Global Surveyor, and Odyssey missions mark the first wave of the Planet Earth's coming invasion of the red planet, changing our views of the past and future of the planet and the possibilities of life. Scientist and science-fiction writer Geoffrey A. Landis will present experiences on the Pathfinder mission, the challenges of using solar power on the surface of Mars, and present future missions to Mars such as the upcoming Mars Twin Rovers, which will launch two highly-capable vehicles in 2003 to explore the surface of Mars.

  17. Forecasting the value of credit scoring

    Science.gov (United States)

    Saad, Shakila; Ahmad, Noryati; Jaffar, Maheran Mohd

    2017-08-01

    Nowadays, credit scoring system plays an important role in banking sector. This process is important in assessing the creditworthiness of customers requesting credit from banks or other financial institutions. Usually, the credit scoring is used when customers send the application for credit facilities. Based on the score from credit scoring, bank will be able to segregate the "good" clients from "bad" clients. However, in most cases the score is useful at that specific time only and cannot be used to forecast the credit worthiness of the same applicant after that. Hence, bank will not know if "good" clients will always be good all the time or "bad" clients may become "good" clients after certain time. To fill up the gap, this study proposes an equation to forecast the credit scoring of the potential borrowers at a certain time by using the historical score related to the assumption. The Mean Absolute Percentage Error (MAPE) is used to measure the accuracy of the forecast scoring. Result shows the forecast scoring is highly accurate as compared to actual credit scoring.

  18. My Changing Perception of Mars: A Whipple Award Lecture

    Science.gov (United States)

    Malin, M. C.

    2017-12-01

    I have been studying Mars for 46+ years. My initial studies of the planet were mentored by Bruce Murray (my Ph.D. advisor) and Bob Sharp. My 4 years as Bruce's student were the most productive and exciting of my early career, during which I wrote or participated in a dozen published works. My early efforts on Mars, based on Mariner 9 images, culminated in my Ph.D. dissertation, the last paragraph of which, written in 1975, read: "In summary, Mars appears to have had a complex early history, complete with significant atmospheric and some fluid erosion. Just as the polar layered deposits are believed to record the recent history of Mars, so may the ancient layered deposits — the intercrater plains — record the most primitive history of Mars. Detailed studies of Martian stratigraphy in the distant future may be as intellectually rewarding as the studies of terrestrial stratigraphy are today."Welcome to the distant future! During my student years with Murray and Sharp, I concluded that images of significantly higher spatial resolution were needed to unravel the geologic story hinted at in the Mariner 9 data. For 10 years I made the case for aerial photo-like high resolution imaging, to highly skeptical science and engineering communities. With Ed Danielson (of JPL and then Caltech) and a group of young engineers he recruited, we succeeded in convincing advisory groups and a NASA selection board to fly the Mars Observer Camera, that included early 1980's innovations such as a 32-bit microprocessor, a 100 MB solid state memory, gate arrays for instrument control, and a 35 cm aperture telescope with an f/2 primary and a secondary mirror with 8-fold magnification to achieve 3.7 µrad/pixel scale (1.4 m/pxl from 378 km altitude). Although MO failed, the MOC was reflown on MGS and my colleague Ken Edgett and I found evidence for: widespread water-lain sedimentary rock, persistent surficial water flow and ponding in bodies of standing water, gullies that may indicate the

  19. The magnetic field of Mars according to data of Mars-3 and Mars-5 space vehicles

    International Nuclear Information System (INIS)

    Dolginov, Sh.Sh.; Eroshenko, E.G.; Zhuzgov, L.N.

    1975-01-01

    Magnitograms obtained by the space probe ''Mars-5'' on the evening and day sides as well as those from the ''Mars-3'' obtained earlier suggest the following: In the vicinity of Mars there exists a shock front and its disposition is tracked at various angles to the direction to the sun. Magnetometers have registered a region in space where magnetic field features the properties of a magnetosphere field in its topology and action on plasma. The magnetic field in the region of the ''magnitosphere'' does not change its sign when the interplanetary field does shile in adjacent boundary regions the regular part of the field changes its sign when that of the interplanetary field does. The configuration and dimensions of the ''magnitosphere'' depend on thesolar wind intensity. On the day side (''Mars-3'') the magnitospheric field ceases to be registered at an altitude of 2200km, whereas on the night side (''Mars-5'') the regular field is traced up to 7500-9500km from the planet surface. All the above unambiguously suggests that the planet Mars has its own magnetic field. Under the influence of the solar wind the field takes the characteristic form: it is limited on the day side and elongated on the night one. The topology oif force lines is explicable if one assumes that the axis of the Mars magnetic dipole is inclined to the rotation axis at an abgle of 15-20deg. The northern magnetic pole of the dipole is licated in the northern hemisphere, i.e. the Mars fields in their regularity are opposite to the geomagnetic field. The magnetic moment of the Mars dipole is equal to M=2.5x10 22 Gauss.cm 3 . (author)

  20. Mars

    CERN Document Server

    Payment, Simone

    2017-01-01

    This curriculum-based, fun, and approachable book offers everything young readers need to know to begin their study of the Red Planet. They will learn about the fundamental aspects of the Mars, including its size, mass, surface features, interior, orbit, and spin. Further, they will learn about the history of the missions to Mars, including the Viking spacecraft and the Curiosity and MAVEN rovers. Finally, readers will learn about why scientists think there's a chance that Mars is or was suitable for life. With stunning imagery from NASA itself, readers will have a front seat-view of the missi

  1. CREDIT Performance Indicator Framework

    DEFF Research Database (Denmark)

    Frandsen, Anne Kathrine; Bertelsen, Niels Haldor; Haugbølle, Kim

    2010-01-01

    During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project was a fr......During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project...... was a framework of indicators relevant in building and real estate and applicable in the Nordic and Baltic countries as well as a proposal for a set of key indicators. The study resulting in CREDIT Performance Indicator Framework has been based on 28 case studies of evaluation practises in the building and real...... estate sector each addressing three interlinked levels: building/ projects level, company or enterprise level and benchmarking system level. Additionally it has been based on dialogue with researchers and professional organisation, international research and standardisation work and national building...

  2. 12 CFR 704.6 - Credit risk management.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit risk management. 704.6 Section 704.6... CREDIT UNIONS § 704.6 Credit risk management. (a) Policies. A corporate credit union must operate according to a credit risk management policy that is commensurate with the investment risks and activities...

  3. The humanation of Mars

    Science.gov (United States)

    David, L. W.

    Early developments related to human excursions to Mars are examined, taking into account plans considered by von Braun, and the 'ambitious goal of a manned flight to Mars by the end of the century', proposed at the launch of Apollo 11. In response to public reaction, plans for manned flights to Mars in the immediate future were given up, and unmanned reconnaissance of Mars was continued. An investigation is conducted concerning the advantages of manned exploration of Mars in comparison to a study by unmanned space probes, and arguments regarding a justification for interplanetary flight to Mars are discussed. Attention is given to the possibility to consider Mars as a 'back-up' planet for preserving earth life, an international Mars expedition as a world peace project, the role of Mars in connection with resource utilization considerations, and questions of exploration ethics.

  4. Mars Drilling Status

    Science.gov (United States)

    Mandell, Humboldt, C., Jr.

    2002-01-01

    This slide presentation reviews the current status of work to explore Mars beneath the surface of planet. One of the objective of this work is to enable further exploration of Mars by humans. One of the requirements for this is to find water on Mars. The presences of water is critical for Human Exploration and a permanent presence on Mars. If water is present beneath the surface it is the best chance of finding life on Mars. The presentation includes a timeline showing the robotic missions, those that have already been on Mars, and planned missions, an explanation of why do we want to drill on Mars, and some of the challenges, Also include are reviews of a missions that would drill 200 and 4,000 to 6,000 meters into the Martian bedrock, and a overview description of the drill. There is a view of some places where we have hopes of finding water.

  5. Private Sector Credit and Inflation Volatility

    Directory of Open Access Journals (Sweden)

    Lorna Katusiime

    2018-04-01

    Full Text Available This paper investigates the effect of inflation volatility on private sector credit growth. The results indicate that private sector credit growth is positively linked to the one period lagged inflation volatility. Given that past monetary policy actions continue to affect the targeted variables due to the substantial lags in the transmission mechanism, the positive response of private sector credit growth to past inflation volatility suggests a credible monetary policy regime in Uganda, which has led to a reduction in the level of macroeconomic uncertainty and the restoration of favorable economic conditions and prospects, thus increasing the demand for credit. Further, the study finds that the lagged private sector credit growth, nominal exchange rate, and inflation have a statistically significant effect on private sector credit growth while financial innovation, interest rates, and GDP growth appear not to be important determinants of private sector credit growth. The robustness of our findings is confirmed by sensitivity checks.

  6. 12 CFR 619.9145 - Farm Credit Bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Bank. 619.9145 Section 619.9145 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9145 Farm Credit Bank. The term Farm Credit Bank refers to a bank resulting from the mandatory merger of the Federal land...

  7. Building Virtual Mars

    Science.gov (United States)

    Abercrombie, S. P.; Menzies, A.; Goddard, C.

    2017-12-01

    Virtual and augmented reality enable scientists to visualize environments that are very difficult, or even impossible to visit, such as the surface of Mars. A useful immersive visualization begins with a high quality reconstruction of the environment under study. This presentation will discuss a photogrammetry pipeline developed at the Jet Propulsion Laboratory to reconstruct 3D models of the surface of Mars using stereo images sent back to Earth by the Curiosity Mars rover. The resulting models are used to support a virtual reality tool (OnSight) that allows scientists and engineers to visualize the surface of Mars as if they were standing on the red planet. Images of Mars present challenges to existing scene reconstruction solutions. Surface images of Mars are sparse with minimal overlap, and are often taken from extremely different viewpoints. In addition, the specialized cameras used by Mars rovers are significantly different than consumer cameras, and GPS localization data is not available on Mars. This presentation will discuss scene reconstruction with an emphasis on coping with limited input data, and on creating models suitable for rendering in virtual reality at high frame rate.

  8. Photos from the CMS Photo Book

    CERN Multimedia

    Boreham, S

    2008-01-01

    Photos from the CMS Photo Book. Activities at Point 5 in Cessy, France, between 1998 - 2008. Images of assembly and Installation of the CMS detector: - Civil Engineering - Assembly in the Surface Building - Lowering of the Heavy Elements - Installing and connecting the CMS detector in the underground experiment These images illustrate the assembly, installation and commissioning of the CMS detector. They cover the activities at Point 5 in Cessy, France, between 1998 and 2008. CMS is one of the most complex scientific instruments ever built. It has taken about 20 years to go from conceptual design to the completion of construction of the CMS detector for the LHC start-up in September 2008. Accomplishing this has required the talents, efforts and resources of over 2500 scientists and engineers from about 180 institutions in 38 countries. caverns Compiled by: S. Cittolin, F. Marcastel and T.S. Virdee

  9. CORRELATED ANALYSIS OF CLIENT-CREDIT COST WITH THE ONE OF SUPPLIER - CREDIT COST

    Directory of Open Access Journals (Sweden)

    MIRELA MONEA

    2012-01-01

    Full Text Available The given client-credit has associated several types of costs. If a company gives client-credit for a certain period of time, then it will have to finance its activity from other sources. Another aspect is the one related to the size of allotted sum. The sum that must be covered does not equal the turnover. The impact on financing the operating cycle is found usually only under the form of expenses which are made up of variable costs (because amortization must not be paid, the profit is included in the price. Thus, the sum which must be covered is not related to the non-cashed turnover from the client-credit, but only to variable costs. This will be the sum that must be covered from the financing sources. Supplier-credit is a source attracted, usually it has no cost.

  10. Photo catalytic degradation of nitrobenzene using nanocrystalline TiO2 photo catalyst doped with Zn ions

    International Nuclear Information System (INIS)

    Reynoso S, E. A.; Perez S, S.; Reyes C, A. P.; Castro R, C. L.; Felix N, R. M.; Lin H, S. W.; Paraguay D, F.; Alonso N, G.

    2013-01-01

    Photo catalysis is a method widely used in the degradation of organic pollutants of the environment. The development of new materials is very important to improve the photo catalytic properties and to find new applications for TiO 2 as a photo catalyst. In this article we reported the synthesis of a photo catalyst based on TiO 2 doped with Zn 2+ ions highly efficient in the degradation of nitrobenzene. The results of photo catalytic activity experiments showed that the Zn 2+ doped TiO 2 is more active that un-doped TiO 2 catalyst with an efficiency of 99% for the nitrobenzene degradation at 120 min with an apparent rate constant of 35 x 10 -3 min -1 . For the characterization of photo catalyst X-ray diffraction, transmission electron microscopy and Raman spectroscopy were used. (Author)

  11. Trade credit supply, market power and the matching of trade credit terms

    NARCIS (Netherlands)

    Fabbri, D.; Klapper, L.F.

    2008-01-01

    This paper studies the decision of firms to extend trade credit to customers and its relation with their financing decisions. We use a novel firm-level database with unique information on market power in both output and input markets and on the amount, terms and payment history of trade credit

  12. ATLAS Pixel Group - Photo Gallery from Irradiation

    CERN Multimedia

    2001-01-01

    Photos 1,2,3,4,5,6,7 - Photos taken before irradiation of Pixel Test Analog Chip and Pmbars (April 2000) Photos 8,9,10,11 - Irradiation of VDC chips (May 2000) Photos 12, 13 - Irradiation of Passive Components (June 2000) Photos 14,15, 16 - Irradiation of Marebo Chip (November 1999)

  13. The Regulatory Small RNA MarS Supports Virulence of Streptococcus pyogenes.

    Science.gov (United States)

    Pappesch, Roberto; Warnke, Philipp; Mikkat, Stefan; Normann, Jana; Wisniewska-Kucper, Aleksandra; Huschka, Franziska; Wittmann, Maja; Khani, Afsaneh; Schwengers, Oliver; Oehmcke-Hecht, Sonja; Hain, Torsten; Kreikemeyer, Bernd; Patenge, Nadja

    2017-09-25

    Small regulatory RNAs (sRNAs) play a role in the control of bacterial virulence gene expression. In this study, we investigated an sRNA that was identified in Streptococcus pyogenes (group A Streptococcus, GAS) but is conserved throughout various streptococci. In a deletion strain, expression of mga, the gene encoding the multiple virulence gene regulator, was reduced. Accordingly, transcript and proteome analyses revealed decreased expression of several Mga-activated genes. Therefore, and because the sRNA was shown to interact with the 5' UTR of the mga transcript in a gel-shift assay, we designated it MarS for m ga-activating regulatory sRNA. Down-regulation of important virulence factors, including the antiphagocytic M-protein, led to increased susceptibility of the deletion strain to phagocytosis and reduced adherence to human keratinocytes. In a mouse infection model, the marS deletion mutant showed reduced dissemination to the liver, kidney, and spleen. Additionally, deletion of marS led to increased tolerance towards oxidative stress. Our in vitro and in vivo results indicate a modulating effect of MarS on virulence gene expression and on the pathogenic potential of GAS.

  14. Did Globalization Influence Credit Market Deregulation

    OpenAIRE

    Eppinger, Peter; Potrafke, Niklas

    2015-01-01

    We investigate whether globalization influenced credit market deregulation over the period 1970-2010. Globalization is measured by the KOF indices of globalization. Credit market deregulation is measured by the credit market freedom indicators of the Fraser Institute. The results from both cross-sectional and panel regressions using ordinary least squares indicate a positive correlation between globalization and credit market deregulation. We account for reverse causality by using predicted t...

  15. Service quality in consumer's credit branch

    OpenAIRE

    Blechová, Věra

    2008-01-01

    The diploma thesis deals with consumer's credit grants of banking and non-banking corporations and comparison of their service quality. The first part of research is dedicated to consumer's knowledge of credit issues. Second describes main difficulties of consumer's credit grants of banking and non-banking corporations and proves their use of unfair manners. The final part of thesis propose improvements, which will boost consumer's protection on field of consumer's credits.

  16. Exploring Mars

    Science.gov (United States)

    Breuil, Stéphanie

    2016-04-01

    Mars is our neighbour planet and has always fascinated humans as it has been seen as a potential abode for life. Knowledge about Mars is huge and was constructed step by step through numerous missions. It could be difficult to describe these missions, the associated technology, the results, the questions they raise, that's why an activity is proposed, that directly interests students. Their production is presented in the poster. Step 1: The main Mars feature and the first Mars explorations using telescope are presented to students. It should be really interesting to present "Mars Canals" from Percival Lowell as it should also warn students against flawed interpretation. Moreover, this study has raised the big question about extra-terrestrial life on Mars for the first time. Using Google Mars is then a good way to show the huge knowledge we have on the planet and to introduce modern missions. Step 2: Students have to choose and describe one of the Mars mission from ESA and NASA. They should work in pairs. Web sites from ESA and NASA are available and the teacher makes sure the main missions will be studied. Step 3: Students have to collect different pieces of information about the mission - When? Which technology? What were the main results? What type of questions does it raise? They prepare an oral presentation in the form they want (role play, academic presentation, using a poster, PowerPoint). They also have to produce playing cards about the mission that could be put on a timeline. Step 4: As a conclusion, the different cards concerning different missions are mixed. Groups of students receive cards and they have to put them on a timeline as fast as possible. It is also possible to play the game "timeline".

  17. Mars

    CERN Document Server

    Day, Trevor

    2006-01-01

    Discusses the fundamental facts concerning this mysterious planet, including its mass, size, and atmosphere, as well as the various missions that helped planetary scientists document the geological history of Mars. This volume also describes Mars'' seasons with their surface effects on the planet and how they have changed over time.

  18. Value of burnup credit beyond actinides

    International Nuclear Information System (INIS)

    Lancaster, D.; Fuentes, E.; Kang, Chi.

    1997-01-01

    DOE has submitted a topical report to the NRC justifying burnup credit based only on actinide isotopes (U-234, U-235, U-236, U-238, Pu-238, Pu-239, Pu-240, Pu-241, Pu-242, and Am-241). When this topical report is approved, it will allow a great deal of the commercial spent nuclear fuel to be transported in significantly higher capacity casks. A cost savings estimate for shipping fuel in 32 assembly (burnup credit) casks as opposed to 24 assembly (non-burnup credit) casks was previously presented. Since that time, more detailed calculations have been performed using the methodology presented in the Actinide-Only Burnup Credit Topical Report. Loading curves for derated casks have been generated using actinide-only burnup credit and are presented in this paper. The estimates of cost savings due to burnup credit for shipping fuel utilizing 32, 30, 28, and 24 assembly casks where only the 24 assembly cask does not burnup credit have been created and are discussed. 4 refs., 2 figs

  19. Taking Your iPhoto '11 to the Max

    CERN Document Server

    Grothaus, Michael

    2011-01-01

    Taking Your iPhoto '11 to the Max walks users through Apple's most popular software application in the iLife suite - iPhoto. This book helps readers use iPhoto to its fullest to organize and create digital memories and keepsakes. * Learn all about Apple's newest version of iPhoto - iPhoto '11 * Explore iPhoto, one menu button at a time * Walk-through tutorials guide you step-by-step What you'll learn * How to import existing photo libraries from popular Windows applications * How to organize and edit your photos * How to tag your photos using iPhoto's Faces and Places features * How to create

  20. Geology of Mars

    International Nuclear Information System (INIS)

    Soderblom, L.A.

    1988-01-01

    The geology of Mars and the results of the Mariner 4, 6/7, and 9 missions and the Viking mission are reviewed. The Mars chronology and geologic modification are examined, including chronological models for the inactive planet, the active planet, and crater flux. The importance of surface materials is discussed and a multispectral map of Mars is presented. Suggestions are given for further studies of the geology of Mars using the Viking data. 5 references

  1. On the excess photon noise in single-beam measurements with photo-emissive and photo-conductive cells

    NARCIS (Netherlands)

    Alkemade, C.T.J.

    In this paper the so-called excess photon noise is theoretically considered with regard to noise power measurements with a single, illumined photo-emissive or photo-conductive cell. Starting from a modification of Mandel's stochastic association of the emission of photo-electrons with wave

  2. 12 CFR 619.9140 - Farm Credit bank(s).

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit bank(s). 619.9140 Section 619.9140 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9140 Farm Credit bank(s). Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit Banks...

  3. Credit Cycle and Adverse Selection Effects in Consumer Credit Markets – Evidence from the HELOC Market

    NARCIS (Netherlands)

    Calem, P.; Cannon, M.; Nakamura, L.I.

    2011-01-01

    We empirically study how the underlying riskiness of the pool of home equity line of credit originations is affected over the credit cycle. Drawing from the largest existing database of U.S. home equity lines of credit, we use county-level aggregates of these loans to estimate panel regressions on

  4. Mars for Earthlings: an analog approach to Mars in undergraduate education.

    Science.gov (United States)

    Chan, Marjorie; Kahmann-Robinson, Julia

    2014-01-01

    Mars for Earthlings (MFE) is a terrestrial Earth analog pedagogical approach to teaching undergraduate geology, planetary science, and astrobiology. MFE utilizes Earth analogs to teach Mars planetary concepts, with a foundational backbone in Earth science principles. The field of planetary science is rapidly changing with new technologies and higher-resolution data sets. Thus, it is increasingly important to understand geological concepts and processes for interpreting Mars data. MFE curriculum is topically driven to facilitate easy integration of content into new or existing courses. The Earth-Mars systems approach explores planetary origins, Mars missions, rocks and minerals, active driving forces/tectonics, surface sculpting processes, astrobiology, future explorations, and hot topics in an inquiry-driven environment. Curriculum leverages heavily upon multimedia resources, software programs such as Google Mars and JMARS, as well as NASA mission data such as THEMIS, HiRISE, CRISM, and rover images. Two years of MFE class evaluation data suggest that science literacy and general interest in Mars geology and astrobiology topics increased after participation in the MFE curriculum. Students also used newly developed skills to create a Mars mission team presentation. The MFE curriculum, learning modules, and resources are available online at http://serc.carleton.edu/marsforearthlings/index.html.

  5. Is Mars Sample Return Required Prior to Sending Humans to Mars?

    Science.gov (United States)

    Carr, Michael; Abell, Paul; Allwood, Abigail; Baker, John; Barnes, Jeff; Bass, Deborah; Beaty, David; Boston, Penny; Brinkerhoff, Will; Budney, Charles; hide

    2012-01-01

    Prior to potentially sending humans to the surface of Mars, it is fundamentally important to return samples from Mars. Analysis in Earth's extensive scientific laboratories would significantly reduce the risk of human Mars exploration and would also support the science and engineering decisions relating to the Mars human flight architecture. The importance of measurements of any returned Mars samples range from critical to desirable, and in all cases these samples will would enhance our understanding of the Martian environment before potentially sending humans to that alien locale. For example, Mars sample return (MSR) could yield information that would enable human exploration related to 1) enabling forward and back planetary protection, 2) characterizing properties of Martian materials relevant for in situ resource utilization (ISRU), 3) assessing any toxicity of Martian materials with respect to human health and performance, and 4) identifying information related to engineering surface hazards such as the corrosive effect of the Martian environment. In addition, MSR would be engineering 'proof of concept' for a potential round trip human mission to the planet, and a potential model for international Mars exploration.

  6. 24 CFR 206.37 - Credit standing.

    Science.gov (United States)

    2010-04-01

    ... CONVERSION MORTGAGE INSURANCE Eligibility; Endorsement Eligible Mortgagors § 206.37 Credit standing. Each mortgagor must have a general credit standing satisfactory to the Secretary. ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Credit standing. 206.37 Section 206...

  7. Location - Global Positioning System (GPS) Photos

    Data.gov (United States)

    Army Corps of Engineers, Department of the Army, Department of Defense — Digital photos tagged with GPS location information. The St. Paul District maintains a digital library of over 10,000 GPS photos. Photos are often associated with...

  8. Efficient photo-catalytic degradation of malachite green using nickel tungstate material as photo-catalyst.

    Science.gov (United States)

    Helaïli, N; Boudjamaa, A; Kebir, M; Bachari, K

    2017-03-01

    The present study focused on the evaluation of photo-catalytic and photo-electrochemical properties of the photo-catalyst based on nickel tungstate material prepared by a nitrate method through the degradation of malachite green (MG) dye's. The effect of catalyst loading and dye concentration was examined. Physico-chemical, optical, electrical, electrochemical, and photo-electrochemical properties of the prepared material were analyzed by X-ray diffraction (XRD), fourier transform-infrared spectroscopy (FTIR), BET analysis, optical reflectance diffuse (DR), scanning electron microscopy (SEM/EDX), electrical conductivity, cyclic voltammetry (CV), current intensity, mott-shottky, and nyquist. XRD revealed the formation of monoclinic structure with a small particle size. BET surface area of the sample was around 10 m 2 /g. The results show that the degradation of MG was more than 80%, achieved after 3 h of irradiation at pH 4.6 and with a catalyst loading of 75 mg. Also, it was found that the dye photo-degradation obeyed the pseudo-first order kinetic via Langmuir Hinshelwood model.

  9. 78 FR 25101 - Credit Ratings Roundtable

    Science.gov (United States)

    2013-04-29

    ... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-69433; File No. 4-661] Credit Ratings... examine issues in connection with the possibility of developing a credit rating assignment system. The... FURTHER INFORMATION CONTACT: Scott Davey at (212) 336-0075, Office of Credit Ratings, Securities and...

  10. Mars Navigator: An Interactive Multimedia Program about Mars, Aerospace Engineering, Astronomy, and the JPL Mars Missions. [CD-ROM

    Science.gov (United States)

    Gramoll, Kurt

    This CD-ROM introduces basic astronomy and aerospace engineering by examining the Jet Propulsion Laboratory's (JPL) Mars Pathfinder and Mars Global Surveyor missions to Mars. It contains numerous animations and narrations in addition to detailed graphics and text. Six interactive laboratories are included to help understand topics such as the…

  11. The CanMars Analogue Mission: Lessons Learned for Mars Sample Return

    Science.gov (United States)

    Osinski, G. R.; Beaty, D.; Battler, M.; Caudill, C.; Francis, R.; Haltigin, T.; Hipkin, V.; Pilles, E.

    2018-04-01

    We present an overview and lessons learned for Mars Sample Return from CanMars — an analogue mission that simulated a Mars 2020-like cache mission. Data from 39 sols of operations conducted in the Utah desert in 2015 and 2016 are presented.

  12. Agricultural Credit Discount Fund – Agribusiness support credit line - Macedonian experience

    OpenAIRE

    Kovachev, Goran

    2012-01-01

    The main objective of this study is to emphasize the importance of creating special governmental refinancing institutions targeted towards strategic economic sectors. Such institution in Macedonia is Agricultural Credit Discount Fund, a separate unit within the Macedonian Bank for Development Promotion that administers a credit line meant to support the agribusiness. As it is commonly known agriculture is one of the most important economic sectors of the country. The ACDF's 'modus operandi' i...

  13. A Mechanism for Anonymous Credit Card Systems

    Science.gov (United States)

    Tamura, Shinsuke; Yanase, Tatsuro

    This paper proposes a mechanism for anonymous credit card systems, in which each credit card holder can conceal individual transactions from the credit card company, while enabling the credit card company to calculate the total expenditures of transactions of individual card holders during specified periods, and to identify card holders who executed dishonest transactions. Based on three existing mechanisms, i.e. anonymous authentication, blind signature and secure statistical data gathering, together with implicit transaction links proposed here, the proposed mechanism enables development of anonymous credit card systems without assuming any absolutely trustworthy entity like tamper resistant devices or organizations faithful both to the credit card company and card holders.

  14. 75 FR 64785 - Corporate Credit Unions

    Science.gov (United States)

    2010-10-20

    ... management (ALM) and credit risk, and whether to make modifications in the area of corporate governance. NCUA... the revisions, an analysis of how the final investment, credit risk, and asset liability provisions..., credit risk, ALM, liquidity, and capital measures that together should greatly reduce the systemic risk...

  15. 12 CFR 706.2 - Unfair credit practices.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Unfair credit practices. 706.2 Section 706.2 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CREDIT... attachment, execution, or other process on real or personal property held, owned by, or due to the consumer...

  16. Trade credit: Elusive insurance of firm growth

    NARCIS (Netherlands)

    Bams, Dennis; Bos, Jaap; Pisa, Magdalena

    2016-01-01

    Firms depend heavily on trade credit. This paper introduces a trade credit network into a structural model of the economy. In an empirical analysis of the model, we find that trade credit is an elusive insurance: as long as a firm is financially unconstrained and times are good, more trade credit

  17. Modeling Cycle Dependence in Credit Insurance

    Directory of Open Access Journals (Sweden)

    Anisa Caja

    2014-03-01

    Full Text Available Business and credit cycles have an impact on credit insurance, as they do on other businesses. Nevertheless, in credit insurance, the impact of the systemic risk is even more important and can lead to major losses during a crisis. Because of this, the insurer surveils and manages policies almost continuously. The management actions it takes limit the consequences of a downturning cycle. However, the traditional modeling of economic capital does not take into account this important feature of credit insurance. This paper proposes a model aiming to estimate future losses of a credit insurance portfolio, while taking into account the insurer’s management actions. The model considers the capacity of the credit insurer to take on less risk in the case of a cycle downturn, but also the inverse, in the case of a cycle upturn; so, losses are predicted with a more dynamic perspective. According to our results, the economic capital is over-estimated when not considering the management actions of the insurer.

  18. 76 FR 24089 - Credit Risk Retention

    Science.gov (United States)

    2011-04-29

    ... 17 CFR Part 246 Department of Housing and Urban Development 24 CFR Part 267 Credit Risk Retention... 2501-AD53 Credit Risk Retention AGENCIES: Office of the Comptroller of the Currency, Treasury (OCC..., Commission, FHFA, and HUD (the Agencies) are proposing rules to implement the credit risk retention...

  19. Rare Disasters and Credit Market Puzzles

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Du, Du; Elkamhi, Redouane

    to the real economy and not to bond prices can simultaneously explain several key empirical regularities in credit markets. Our model captures the empirical level and volatility of credit spreads, generates a flexible credit risk term structure, and provides a good fit to a century of observed spreads...

  20. 40 CFR 91.1307 - Credit calculation.

    Science.gov (United States)

    2010-07-01

    ... family in kW (sales weighted). The power of each configuration is the rated output in kilowatts as....1307 Credit calculation. For each participating engine family, emission credits (positive or negative... for an engine family whether generating positive or negative in-use emission credits: ER04oc96.053...

  1. 20 CFR 227.5 - Employer tax credits.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Employer tax credits. 227.5 Section 227.5... SUPPLEMENTAL ANNUITIES § 227.5 Employer tax credits. Employers are entitled to tax credits if they pay non.... The tax credits for each month equal the sum of the reductions for employer pensions in the...

  2. 76 FR 34010 - Credit Risk Retention

    Science.gov (United States)

    2011-06-10

    ... 2501-AD53 Credit Risk Retention AGENCIES: Office of the Comptroller of the Currency, Treasury (OCC... credit risk retention requirements of section 15G of the Securities Exchange Act of 1934, as added by the Dodd-Frank Wall Street Reform and Consumer Protection Act (``Credit Risk NPR'' or ``proposed rule...

  3. 48 CFR 1632.607 - Tax credit.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Tax credit. 1632.607... 1632.607 Tax credit. FAR 32.607 has no practical application to FEHBP contracts. The statutory... may not offset debts to the Fund by a tax credit which is solely a Government obligation. ...

  4. History of Mars

    International Nuclear Information System (INIS)

    Lewis, J.S.

    1988-01-01

    The origin and early history of Mars and the relationship between Mars and the other planets are reviewed. The solar system formation and planetary differentiation are examined using data from planetary missions. Different views of Mars are presented, showing how ideas about the planet have changed as the amount of available observational data has increased. Viking aerography and surface characterization are discussed, including the nature of specific atmospheric components and the implications of surface phenomena. Models for the planetary formation and accretion processes are considered. The value of future missions to Mars is stressed

  5. Photo catalytic degradation of nitrobenzene using nanocrystalline TiO{sub 2} photo catalyst doped with Zn ions

    Energy Technology Data Exchange (ETDEWEB)

    Reynoso S, E. A.; Perez S, S.; Reyes C, A. P.; Castro R, C. L.; Felix N, R. M.; Lin H, S. W. [Instituto Tecnologico de Tijuana, Centro de Graduados e Investigacion, Apdo. Postal 1166, 22000 Tijuana, Baja California (Mexico); Paraguay D, F. [Centro de Investigacion en Materiales Avanzados, Apdo. Postal 311109, Chihuahua (Mexico); Alonso N, G. [UNAM, Centro de Nanociencias y Nanotecnologia, Carretera Tijuana-Ensenada Km 107, Apdo. Postal 356, 22800 Ensenada, Baja California (Mexico)

    2013-07-01

    Photo catalysis is a method widely used in the degradation of organic pollutants of the environment. The development of new materials is very important to improve the photo catalytic properties and to find new applications for TiO{sub 2} as a photo catalyst. In this article we reported the synthesis of a photo catalyst based on TiO{sub 2} doped with Zn{sup 2+} ions highly efficient in the degradation of nitrobenzene. The results of photo catalytic activity experiments showed that the Zn{sup 2+} doped TiO{sub 2} is more active that un-doped TiO{sub 2} catalyst with an efficiency of 99% for the nitrobenzene degradation at 120 min with an apparent rate constant of 35 x 10{sup -3} min{sup -1}. For the characterization of photo catalyst X-ray diffraction, transmission electron microscopy and Raman spectroscopy were used. (Author)

  6. 12 CFR 702.108 - Risk mitigation credit.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Risk mitigation credit. 702.108 Section 702.108... CORRECTIVE ACTION Net Worth Classification § 702.108 Risk mitigation credit. (a) Who may apply. A credit union may apply for a risk mitigation credit if on any of the current or three preceding effective dates...

  7. 11 CFR 100.55 - Extension of credit.

    Science.gov (United States)

    2010-01-01

    ... substantially similar to extensions of credit to nonpolitical debtors that are of similar risk and size of... 11 Federal Elections 1 2010-01-01 2010-01-01 false Extension of credit. 100.55 Section 100.55... Contribution (2 U.S.C. 431(8)) § 100.55 Extension of credit. The extension of credit by any person is a...

  8. Credit in Acceptance Sampling on Attributes

    NARCIS (Netherlands)

    Klaassen, Chris A.J.

    2000-01-01

    Credit is introduced in acceptance sampling on attributes and a Credit Based Acceptance sampling system is developed that is very easy to apply in practice.The credit of a producer is defined as the total number of items accepted since the last rejection.In our sampling system the sample size for a

  9. 48 CFR 2132.607 - Tax credit.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Tax credit. 2132.607... Contract Debts 2132.607 Tax credit. FAR 32.607 has no practical application to FEGLI Program contracts. The... Government, contractors may not offset debts to the Fund by a tax credit that is solely a Government...

  10. Practices surrounding children's photos in homes

    NARCIS (Netherlands)

    Vyas, Dhaval; van der Veer, Gerrit C.; Nijholt, Antinus; Grassel, Guido; Chi, E.H.; Höök, K,

    2012-01-01

    New parents cherish photos of their children. In their homes one can observe a varied set of arrangements of their young ones' photos. We studied eight families with young children to learn about their practices related to photos. We provide preliminary results from the field study and elaborate on

  11. A Network Model of Credit Risk Contagion

    Directory of Open Access Journals (Sweden)

    Ting-Qiang Chen

    2012-01-01

    Full Text Available A network model of credit risk contagion is presented, in which the effect of behaviors of credit risk holders and the financial market regulators and the network structure are considered. By introducing the stochastic dominance theory, we discussed, respectively, the effect mechanisms of the degree of individual relationship, individual attitude to credit risk contagion, the individual ability to resist credit risk contagion, the monitoring strength of the financial market regulators, and the network structure on credit risk contagion. Then some derived and proofed propositions were verified through numerical simulations.

  12. Transportation-Driven Mars Surface Operations Supporting an Evolvable Mars Campaign

    Science.gov (United States)

    Toups, Larry; Brown, Kendall; Hoffman, Stephen J.

    2015-01-01

    This paper describes the results of a study evaluating options for supporting a series of human missions to a single Mars surface destination. In this scenario the infrastructure emplaced during previous visits to this site is leveraged in following missions. The goal of this single site approach to Mars surface infrastructure is to enable "Steady State" operations by at least 4 crew for up to 500 sols at this site. These characteristics, along with the transportation system used to deliver crew and equipment to and from Mars, are collectively known as the Evolvable Mars Campaign (EMC). Information in this paper is presented in the sequence in which it was accomplished. First, a logical buildup sequence of surface infrastructure was developed to achieve the desired "Steady State" operations on the Mars surface. This was based on a concept of operations that met objectives of the EMC. Second, infrastructure capabilities were identified to carry out this concept of operations. Third, systems (in the form of conceptual elements) were identified to provide these capabilities. This included top-level mass, power and volume estimates for these elements. Fourth, the results were then used in analyses to evaluate three options (18t, 27t, and 40t landed mass) of Mars Lander delivery capability to the surface. Finally, Mars arrival mass estimates were generated based upon the entry, descent, and landing requirements for inclusion in separate assessments of in-space transportation capabilities for the EMC.

  13. Life on Mars

    Science.gov (United States)

    McKay, Christopher P.; Cuzzi, Jeffrey (Technical Monitor)

    1996-01-01

    Although the Viking results may indicate that Mars has no life today, the possibility exists that Mars may hold the best record of the events that led to the origin of life. There is direct geomorphological evidence that in the past Mars had large amounts of liquid water on its surface. Atmospheric models would suggest that this early period of hydrological activity was due to the presence of a thick atmosphere and the resulting warmer temperatures. From a biological perspective the existence of liquid water, by itself motivates the question of the origin of life on Mars. From studies of the Earth's earliest biosphere we know that by 3.5 Gyr. ago, life had originated on Earth and reached a fair degree of biological sophistication. Surface activity and erosion on Earth make it difficult to trace the history of life before the 3.5 Gyr timeframe. If Mars did maintain a clement environment for longer than it took for life to originate on Earth, then the question of the origin of life on Mars follows naturally.

  14. 12 CFR 226.12 - Special credit card provisions.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Special credit card provisions. 226.12 Section... SYSTEM TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including...

  15. 76 FR 54991 - Corporate Credit Unions

    Science.gov (United States)

    2011-09-06

    ... believes the credit risk of carrying this asset is negligible and warrants such treatment, as CLF stock is... credit union excludes the consolidated assets of such programs from risk-weighted assets pursuant to... paragraphs (c)(3) and (f)(4) and adding new p(h) to read as follows: Sec. 704.6 Credit risk management...

  16. Mammography screening credit card and compliance.

    Science.gov (United States)

    Schapira, D V; Kumar, N B; Clark, R A; Yag, C

    1992-07-15

    Screening for breast cancer using mammography has been shown to be effective in reducing mortality from breast cancer. The authors attempted to determine if use of a wallet-size plastic screening "credit" card would increase participants' compliance for subsequent mammograms when compared with traditional methods of increasing compliance. Two hundred and twenty consecutive women, ages 40-70 years, undergoing their first screening mammography were recruited and assigned randomly to four groups receiving (1) a reminder plastic credit card (2) reminder credit card with written reminder; (3) appointment card; and (4) verbal recommendation. Return rates of the four groups were determined after 15 months. The return rate for subsequent mammograms was significantly higher for participants (72.4%) using the credit card than for participants (39.8%) exposed to traditional encouragement/reminders (P less than 0.0001). The credit card was designed to show the participant's screening anniversary, and the durability of the card may have been a factor in increasing the return rate. The use of reminder credit cards may increase compliance for periodic screening examinations for other cancers and other chronic diseases.

  17. Content-aware automatic cropping for consumer photos

    Science.gov (United States)

    Tang, Hao; Tretter, Daniel; Lin, Qian

    2013-03-01

    Consumer photos are typically authored once, but need to be retargeted for reuse in various situations. These include printing a photo on different size paper, changing the size and aspect ratio of an embedded photo to accommodate the dynamic content layout of web pages or documents, adapting a large photo for browsing on small displays such as mobile phone screens, and improving the aesthetic quality of a photo that was badly composed at the capture time. In this paper, we propose a novel, effective, and comprehensive content-aware automatic cropping (hereafter referred to as "autocrop") method for consumer photos to achieve the above purposes. Our autocrop method combines the state-of-the-art context-aware saliency detection algorithm, which aims to infer the likely intent of the photographer, and the "branch-and-bound" efficient subwindow search optimization technique, which seeks to locate the globally optimal cropping rectangle in a fast manner. Unlike most current autocrop methods, which can only crop a photo into an arbitrary rectangle, our autocrop method can automatically crop a photo into either a rectangle of arbitrary dimensions or a rectangle of the desired aspect ratio specified by the user. The aggressiveness of the cropping operation may be either automatically determined by the method or manually indicated by the user with ease. In addition, our autocrop method is extended to support the cropping of a photo into non-rectangular shapes such as polygons of any number of sides. It may also be potentially extended to return multiple cropping suggestions, which will enable the creation of new photos to enrich the original photo collections. Our experimental results show that the proposed autocrop method in this paper can generate high-quality crops for consumer photos of various types.

  18. Waves in the middle and upper atmosphere of Mars as seen by the Radio Science Experiment MaRS on Mars Express

    Science.gov (United States)

    Tellmann, S.; Paetzold, M.; Häusler, B.; Hinson, D. P.; Peter, K.; Tyler, G. L.

    2017-12-01

    Atmospheric waves play a crucial role in the Martian atmosphere. They are responsible for the redistribution of momentum, energy and dust and for the coupling of the different atmospheric regions on Mars. Almost all kinds of waves have been observed in the lower atmosphere (e.g. stationary and transient waves, baroclinic waves as well as migrating and non-migrating thermal tides, gravity waves, etc...). Atmospheric waves are also known to exist in the middle atmosphere of Mars ( 70-120 km, e.g. by the SPICAM instrument on Mars Express). In the thermosphere, thermal tides have been observed e.g. by radio occultation or accelerometer measurements on MGS. Recently, the NGIMS instrument on MAVEN reported gravity waves in the thermosphere of Mars. Radio Science profiles from the Mars Express Radio Science experiment MaRS on Mars Express can analyse the temperature, pressure and neutral number density profiles in the lower atmosphere (from a few hundred metres above the surface up to 40-50 km) and electron density profiles in the ionosphere of Mars. Wavelike structures have been detected below the main ionospheric layers (M1 & M2) and in the topside of the ionosphere. The two coherent frequencies of the MaRS experiment allow to discriminate between plasma density fluctuations in the ionosphere and Doppler related frequency shifts caused by spacecraft movement. A careful analysis of the observed electron density fluctuations in combination with sensitivity studies of the radio occultation technique will be used to classify the observed fluctuations. The MaRS experiment is funded by DLR under grant 50QM1401.

  19. Photo-switching element

    Energy Technology Data Exchange (ETDEWEB)

    Masaki, Yuichi

    1987-10-31

    Photo-input MOS transistor (Photo-switching element) cannot give enough ON/OFF ratio but requires an auxiliary condenser for a certain type of application. In addition, PN junction of amorphous silicon is not practical because it gives high leak current resulting in low electromotive force. In this invention, a solar cell was constructed with a lower electrode consisting of a transparent electro-conducting film, a photosensitive part consisting of an amorphous Si layer of p-i-n layer construction, and an upper metal electrode consisting of Cr or Nichrome, and a thin film transistor was placed on the solar cell, and further the upper metal electrode was co-used as a gate electrode of the thin film transistor; this set-up of this invention enabled to attain an efficient photo-electric conversion of the incident light, high electromotive force of the solar cell, and the transistor with high ON/OFF ratio. (3 figs)

  20. 27 CFR 46.223 - Tax credit.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 2 2010-04-01 2010-04-01 false Tax credit. 46.223 Section... for Sale on April 1, 2009 Tax Liability Calculation § 46.223 Tax credit. The dealer is allowed a credit of up to $500 against the total floor stocks tax. However, controlled groups are eligible for only...

  1. Indian Kisan Credit Card Scheme: An Analytical Study

    Directory of Open Access Journals (Sweden)

    Dharmendra Mehta

    2016-03-01

    Full Text Available Kisan Credit Card (KCC has now been regarded as the only medium of short-term credit for agriculture. The Kisan Credit Card (KCC scheme was introduced by the Finance Minister in his budget speech in the year 1998-99. From the year 1998-99, the scheme was implemented by public sector commercial banks, RRBs (Regional Rural Banks and cooperative banks in the country. It has emerged as an innovative credit distribution system to meet the production credit requirements of the farmers in a timely and easy manner. The present paper is aimed to study role of Kisan Credit Card in the rural credit facilitation in India.

  2. THE COOPERATIVE CREDIT MUTUAL IN BRAZIL.

    Directory of Open Access Journals (Sweden)

    Laércio Baptista da Silva

    2013-06-01

    Full Text Available This study presents an analysis of the reality of credit unions in Brazil, in view of the singular importance of credit unions for the whole society as an alternative to private resources in favor of members of the community where they are located. It confirms that, in Brazil, the mutual credit unions, besides being presented as one of the viable options within the financial system, are also seen as an alternative by which some sectors of society promote the humanization of the financial system by offering credit and return on capital with fairer interest rates.

  3. Solar tax credits: the U.S. experience

    International Nuclear Information System (INIS)

    Sallmen Smith, L.J.

    1990-01-01

    From 1978 to 1985, the U.S. Federal government used income tax credits to induce taxpayers to purchase residential solar energy devices. These credits resulted in a significant number of households installing solar devices during the credit period but subsequently devastated the solar industry. Numerous structural problems with the credits and the failure to address important issues in the legislation led to this result. (Author)

  4. Sample Analysis at Mars (SAM) and Mars Organic Molecule Analyzer (MOMA) as Critical In Situ Investigation for Targeting Mars Returned Samples

    Science.gov (United States)

    Freissinet, C.; Glavin, D. P.; Mahaffy, P. R.; Szopa, C.; Buch, A.; Goesmann, F.; Goetz, W.; Raulin, F.; SAM Science Team; MOMA Science Team

    2018-04-01

    SAM (Curiosity) and MOMA (ExoMars) Mars instruments, seeking for organics and biosignatures, are essential to establish taphonomic windows of preservation of molecules, in order to target the most interesting samples to return from Mars.

  5. A perceptual metric for photo retouching.

    Science.gov (United States)

    Kee, Eric; Farid, Hany

    2011-12-13

    In recent years, advertisers and magazine editors have been widely criticized for taking digital photo retouching to an extreme. Impossibly thin, tall, and wrinkle- and blemish-free models are routinely splashed onto billboards, advertisements, and magazine covers. The ubiquity of these unrealistic and highly idealized images has been linked to eating disorders and body image dissatisfaction in men, women, and children. In response, several countries have considered legislating the labeling of retouched photos. We describe a quantitative and perceptually meaningful metric of photo retouching. Photographs are rated on the degree to which they have been digitally altered by explicitly modeling and estimating geometric and photometric changes. This metric correlates well with perceptual judgments of photo retouching and can be used to objectively judge by how much a retouched photo has strayed from reality.

  6. Information Sharing and Credit Rationing : Evidence from the Introduction of a Public Credit Registry

    NARCIS (Netherlands)

    Cheng, X.; Degryse, H.A.

    2010-01-01

    We provide the first evidence on how the introduction of information sharing via a public credit registry affects banks’ lending decisions. We employ a unique dataset containing detailed information on credit card applications and decisions from one of the leading banks in China. While we do not

  7. Photo oxidative degradation of azure-B by sono-photo-Fenton and photo-Fenton reagents

    Directory of Open Access Journals (Sweden)

    Prahlad Vaishnave

    2014-12-01

    Full Text Available A model for the decomposition of azure-B by photo-Fenton reagent in the presence of ultrasound in homogeneous aqueous solution has been described. The photochemical decomposition rate of azure-B is markedly increased in the presence of ultrasound. It is a rather inexpensive reagent for wastewater treatment. The effect of different variables like the concentration of ferric ion, concentration of dye, hydrogen peroxide, pH, light intensity etc. on the reaction rate has been observed. The progress of the sono-photochemical degradation was monitored spectrophotometrically. The optimum sono-photochemical degradation conditions were experimentally determined. The results showed that the dye was completely oxidized and degraded into CO2 and H2O. A suitable tentative mechanism for sono-photochemical bleaching of azure-B by sono-photo-Fenton’s reaction has been proposed.

  8. 49 CFR 536.8 - Conditions for trading of credits.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 6 2010-10-01 2010-10-01 false Conditions for trading of credits. 536.8 Section... SAFETY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION TRANSFER AND TRADING OF FUEL ECONOMY CREDITS § 536.8 Conditions for trading of credits. (a) Trading of credits. If a credit holder wishes to trade credits to...

  9. 17 CFR 256.255 - Accumulated deferred investment tax credits.

    Science.gov (United States)

    2010-04-01

    ... investment tax credits. 256.255 Section 256.255 Commodity and Securities Exchanges SECURITIES AND EXCHANGE... investment tax credits. (a) This account shall be credited and account 411.5, Investment tax credit, debited with investment tax credits deferred by companies which do not apply such credits as a reduction of the...

  10. Credit scoring analysis using weighted k nearest neighbor

    Science.gov (United States)

    Mukid, M. A.; Widiharih, T.; Rusgiyono, A.; Prahutama, A.

    2018-05-01

    Credit scoring is a quatitative method to evaluate the credit risk of loan applications. Both statistical methods and artificial intelligence are often used by credit analysts to help them decide whether the applicants are worthy of credit. These methods aim to predict future behavior in terms of credit risk based on past experience of customers with similar characteristics. This paper reviews the weighted k nearest neighbor (WKNN) method for credit assessment by considering the use of some kernels. We use credit data from a private bank in Indonesia. The result shows that the Gaussian kernel and rectangular kernel have a better performance based on the value of percentage corrected classified whose value is 82.4% respectively.

  11. Ice on Mars Utopia Planitia Again

    Science.gov (United States)

    1979-01-01

    This high-resolution color photo of the surface of Mars was taken by Viking Lander 2 at its Utopia Planitia landing site on May 18, 1979, and relayed to Earth by Orbiter 1 on June 7. It shows a thin coating of water ice on the rocks and soil. The time the frost appeared corresponds almost exactly with the buildup of frost one Martian year (23 Earth months) ago. Then it remained on the surface for about 100 days. Scientists believe dust particles in the atmosphere pick up bits of solid water. That combination is not heavy enough to settle to the ground. But carbon dioxide, which makes up 95 percent of the Martian atmosphere, freezes and adheres to the particles and they become heavy enough to sink. Warmed by the Sun, the surface evaporates the carbon dioxide and returns it to the atmosphere, leaving behind the water and dust. The ice seen in this picture, like that which formed one Martian year ago, is extremely thin, perhaps no more than one-thousandth of an inch thick.

  12. ECR Plasma Photos

    International Nuclear Information System (INIS)

    Racz, R.; Biri, S.; Palinkas, J.

    2009-01-01

    Complete text of publication follows. In order to observe and study systematically the plasma of electron cyclotron resonance (ECR) ion sources (ECRIS) we made a high number of high-resolution visible light plasma photos and movies in the ATOMKI ECRIS Laboratory. This required building the ECR ion source into an open plasma device, temporarily. An 8MP digital camera was used to record photos of plasmas made from He, methane, N, O, Ne, Ar, Kr, Xe gases and from their mixtures. The effects of the main external setting parameters (gas pressure, gas composition, magnetic field, microwave power, microwave frequency) were studied to the shape, color and structure of the plasma. The double frequency mode (9+14 GHz) was also realized and photos of this special 'star-in-star' shape plasma were recorded. A study was performed to analyze and understand the color of the ECR plasmas. The analysis of the photo series gave us many qualitative and numerous valuable physical information on the nature of ECR plasmas. To our best knowledge our work is the first systematic study of ECR plasmas in the visible light region. When looking in the plasma chamber of an ECRIS we can see an axial image of the plasma (figure 1) in conformity with experimental setup. Most of the quantitative information was obtained through the summarised values of the Analogue Digital Unit (ADU) of pixels. By decreasing the strength of the magnetic trap we clearly observed that the brightness of the central part of the plasma gradually decreases, i.e. the plasma becomes more and more 'empty'. Figure 2 shows a photo series of ECR plasma at decreasing axial magnetic field. The radial size of the plasma increased because of the ascendant resonant zone. By increasing the power of the injected microwave an optimum (or at least saturation) was found in the brightness of the plasma. We found correlation between the gas dosing rates and plasma intensities. When sweeping the frequency of the microwave in a wide region

  13. Do Internet Credit Markets Improve Access to Credit for Female Business Owners?

    OpenAIRE

    Barasinska, Nataliya; Schäfer, Dorothea

    2010-01-01

    Business owners and founders are a minority of any bank's business clients. Scientific studies of traditional credit markets often show a lower probability of loan approval or higher loan costs for female business owners compared to male business owners. With this background the question arises whether female business owners have to struggle with this problem less on Internet credit markets. In this current study, DIW Berlin investigated business loans on the largest German Internet platform,...

  14. Quick trips to Mars

    International Nuclear Information System (INIS)

    Hornung, R.

    1991-01-01

    The design of a Mars Mission Vehicle that would have to be launched by two very heavy lift launch vehicles is described along with plans for a mission to Mars. The vehicle has three nuclear engine for rocket vehicle application (NERVA) boosters with a fourth in the center that acts as a dual mode system. The fourth generates electrical power while in route, but it also helps lift the vehicle out of earth orbit. A Mars Ascent Vehicle (MAV), a Mars transfer vehicle stage, and a Mars Excursion Vehicle (MEV) are located on the front end of this vehicle. Other aspects of this research including aerobraking, heat shielding, nuclear thermal rocket engines, a mars mission summary, closed Brayton cycle with and without regeneration, liquid hydrogen propellant storage, etc. are addressed

  15. Ground-based photo monitoring

    Science.gov (United States)

    Frederick C. Hall

    2000-01-01

    Ground-based photo monitoring is repeat photography using ground-based cameras to document change in vegetation or soil. Assume those installing the photo location will not be the ones re-photographing it. This requires a protocol that includes: (1) a map to locate the monitoring area, (2) another map diagramming the photographic layout, (3) type and make of film such...

  16. Mars Stratigraphy Mission

    Science.gov (United States)

    Budney, C. J.; Miller, S. L.; Cutts, J. A.

    2000-01-01

    The Mars Stratigraphy Mission lands a rover on the surface of Mars which descends down a cliff in Valles Marineris to study the stratigraphy. The rover carries a unique complement of instruments to analyze and age-date materials encountered during descent past 2 km of strata. The science objective for the Mars Stratigraphy Mission is to identify the geologic history of the layered deposits in the Valles Marineris region of Mars. This includes constraining the time interval for formation of these deposits by measuring the ages of various layers and determining the origin of the deposits (volcanic or sedimentary) by measuring their composition and imaging their morphology.

  17. Mars at Opposition

    Science.gov (United States)

    Riddle, Bob

    2010-01-01

    On January 29, Mars will reach opposition, a point along its orbit around the Sun where Mars will be directly opposite from the Sun in a two-planet and Sun line-up with the Earth in between. At this opposition, the Earth and Mars will be separated by nearly 100 million km. An opposition is similar to a full Moon in that the planet at opposition…

  18. Credit demand in Mozambican manufacturing

    DEFF Research Database (Denmark)

    Byiers, Bruce; Rand, John; Tarp, Finn

    2010-01-01

    This paper uses two industrial firm surveys to identify the key determinants of credit demand in Mozambican manufacturing. We construct five different measures of being credit constrained and estimate desired debt demand. Besides firm size and ownership structure, we find evidence that general...

  19. A neural network model for credit risk evaluation.

    Science.gov (United States)

    Khashman, Adnan

    2009-08-01

    Credit scoring is one of the key analytical techniques in credit risk evaluation which has been an active research area in financial risk management. This paper presents a credit risk evaluation system that uses a neural network model based on the back propagation learning algorithm. We train and implement the neural network to decide whether to approve or reject a credit application, using seven learning schemes and real world credit applications from the Australian credit approval datasets. A comparison of the system performance under the different learning schemes is provided, furthermore, we compare the performance of two neural networks; with one and two hidden layers following the ideal learning scheme. Experimental results suggest that neural networks can be effectively used in automatic processing of credit applications.

  20. Photo-polymer for recording holograms

    International Nuclear Information System (INIS)

    Hideo Tanigawa; Taichi Ichihashi; Takashi Matsuo

    1999-01-01

    The photo-polymerizable materials for recording holograms were composed of higher-index polymers, lower-index monomers, and photo-initiators. The materials have sensitivity from UV green light (514.5 nm ). The diffraction efficiencies of the transmission holograms recorded by two beams from a laser were more than 80%. These holograms have good physical and chemical stability. The mechanisms of the formation of holograms was discussed. In this paper, experimental results for transmission holograms are reported and the mechanisms of refractive index modulation in photo-polymerization of the materials are discussed

  1. Measurement of Mars Analog Soil Dielectric Properties for Mars 2020 Radar Science Applications

    Science.gov (United States)

    Decrossas, E.; Bell, D. J.; Jin, C.; Steinfeld, D.; Batres, J.

    2017-12-01

    On multiple solar system missions, radar instruments have been used to probe subsurface geomorphology and to infer chemical composition based on the dielectric signature derived from the reflected signal. One important planetary application is the identification of subsurface water ice at Mars. Low frequency, 15 MHz to 25 MHz, instruments like SHARAD have been used from Mars orbit to investigate subsurface features from 10's to 1000's of meters below the surface of Mars with a vertical resolution of 15m and a horizontal resolution of 300 to 3000 meters. SHARAD has been able to identify vast layers of CO2 and water ice. The ground-penetrating RIMFAX instrument that will ride on the back of the Mars 2020 rover will operate over the 150 MHz to 1200 MHz band and penetrate to a depth of 10 meters with a vertical resolution of 15 to 30 cm. RIMFAX will be able to identify near surface water ice if it exists below the travel path of the Mars 2020 rover. Identification of near surface water ice has science application to current and past Mars hydrologic processes and to the potential for finding remnants of past Mars biologic activity. Identification of near surface water ice also has application to future human missions that would benefit from access to a Mars local water source. Recently, JPL investigators have been pursuing a secondary use of telecom signals to capture bistatic radar signatures from subsurface areas surrounding the rover but away from its travel path. A particularly promising potential source would be the telecom signal from a proposed Mars Helicopter back to the Mars 2020 rover. The Mars 2020 rover will be equipped with up to three telecom subsystems. The Rover Relay telecom subsystem operates at UHF receiving at 435 MHz frequency. Anticipating opportunistic collection of near-surface bistatic radar signatures from telecom signals received at the rover, it is valuable to understand the dielectric properties of the Martian soil in each of these three

  2. 76 FR 16235 - Corporate Credit Unions, Technical Corrections

    Science.gov (United States)

    2011-03-23

    ... inadvertently included particular investments that did not--when subject to the other credit risk and asset... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 707 RIN 3133-AD58 Corporate Credit Unions, Technical Corrections AGENCY: National Credit Union Administration (NCUA). ACTION: Final rule. SUMMARY: In...

  3. Guidelines for 2008 MARS exercise

    CERN Multimedia

    HR Department

    2008-01-01

    Full details of the Merit Appraisal and Recognition Scheme (MARS) are available via the HR Department’s homepage or directly on the Department’s MARS web page: https://cern.ch/hr-dept/ https://cern.ch/hr-eguide/mars/mars.asp You will find on these pages: MARS procedures including the MARS timetable for proposals and decisions; Regulations with links to the scheme’s statutory basis; Frequently Asked Questions; Useful documents with links to relevant documentation; e.g. mandate of the Senior Staff Advisory Committee (SSAC); Related links and contacts. HR Department Tel. 73566

  4. Acquired Credit Unions: Drivers of Takeover

    Directory of Open Access Journals (Sweden)

    R. Raymond Sant

    2015-08-01

    Full Text Available In this paper we study acquired credit unions and analyze their financial performance up to six years prior to merger, on a quarterly basis. The primary focus is on balance sheet (asset liability management and profitability variables (return on assets. We find that acquired credit unions during the period 2008 (third quarter to 2014 (first quarter experienced negative return on assets for several quarters prior to their takeover. This was the result of a declining loan portfolio and increasing charge offs. In spite of decreasing lending activity, such credit unions continued to increase their deposits, i.e., adding to their cost base. Due to declining loans, their net interest margin as a proportion of deposits was also in decline. We argue that this is an indicator of poor management ability. Furthermore, our analysis finds that operating expenses were increasing over time, something that has been documented in previous literature also for smaller credit unions and is attributable to lack of economies of scale. The average asset size of the acquired credit unions in our sample is about $22 million just before acquisition. We attribute our findings to poor business strategy followed by such credit unions. We also conclude that signs of trouble are evident up to two years before merger on average and regulatory policy may have to become more proactive to manage the consolidation challenge faced by the credit union industry in general.

  5. Materialism and credit card use by college students.

    Science.gov (United States)

    Pinto, M B; Parente, D H; Palmer, T S

    2000-04-01

    Much has been written in the popular press on credit card use and spending patterns of American college students. The proliferation of credit cards and their ease of acquisition ensure that students today have more opportunities for making more credit purchases than any other generation of college students. Little is known about the relationship between students' attitudes towards materialism and their use of credit cards. A study was conducted at three college campuses in the northeastern part of the United States where a total of 1,022 students were surveyed. Students' attitudes toward use of credit and their credit card balances were evaluated relative to their scores on Richins and Dawson's Materialism Scale (1992). Our findings suggest no significant difference between those individuals scoring high versus low on the Materialism Scale in terms of the number of credit cards owned and the average balance owed. Individuals high on materialism, however, significantly differed in terms of their uses for credit cards and their general attitude toward their use.

  6. Transitive Credit and JSON-LD

    Directory of Open Access Journals (Sweden)

    Daniel S. Katz

    2015-11-01

    Full Text Available Science and engineering research increasingly relies on activities that facilitate research but are not currently rewarded or recognized, such as: data sharing; developing common data resources, software and methodologies; and annotating data and publications. To promote and advance these activities, we must develop mechanisms for assigning credit, facilitate the appropriate attribution of research outcomes, devise incentives for activities that facilitate research, and allocate funds to maximize return on investment. In this article, we focus on addressing the issue of assigning credit for both direct and indirect contributions, specifically by using JSON-LD to implement a prototype transitive credit system.

  7. 12 CFR 614.4040 - Production credit associations.

    Science.gov (United States)

    2010-01-01

    ..., membership, term, amount, loan security, and stock or participation certificate requirements of the... Section 614.4040 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4040 Production credit associations. (a) Loan terms. (1) Production...

  8. Developing emission reduction credit trading in Texas

    International Nuclear Information System (INIS)

    Dodds, J.E.

    1993-01-01

    The Texas Air Control Board has begun to develop a system of emission reduction credit training. The system will be developed incrementally over time. The first step, banking of VOC and NO x Emission Reduction Credits, began March 15, 1993. Additional programs under study and development include NO x RACT trading, emission credits for motor vehicle scrappage and alternative fuel conversion, and establishment of community organizations to generate and acquire emission reduction credits for economic development purposes

  9. Credit scoring analysis using kernel discriminant

    Science.gov (United States)

    Widiharih, T.; Mukid, M. A.; Mustafid

    2018-05-01

    Credit scoring model is an important tool for reducing the risk of wrong decisions when granting credit facilities to applicants. This paper investigate the performance of kernel discriminant model in assessing customer credit risk. Kernel discriminant analysis is a non- parametric method which means that it does not require any assumptions about the probability distribution of the input. The main ingredient is a kernel that allows an efficient computation of Fisher discriminant. We use several kernel such as normal, epanechnikov, biweight, and triweight. The models accuracy was compared each other using data from a financial institution in Indonesia. The results show that kernel discriminant can be an alternative method that can be used to determine who is eligible for a credit loan. In the data we use, it shows that a normal kernel is relevant to be selected for credit scoring using kernel discriminant model. Sensitivity and specificity reach to 0.5556 and 0.5488 respectively.

  10. Nanoparticle-assisted photo-Fenton reaction for photo-decomposition of humic acid

    Science.gov (United States)

    Banik, Jhuma; Basumallick, Srijita

    2017-11-01

    We report here the synthesis of CuO-doped ZnO composite nanomaterials (NMs) by chemical route and demonstrated for the first time that these NMs are efficient catalysts for H2O2-assisted photo-decomposition (photo-Fenton type catalyst) of humic acid, a natural pollutant of surface water by solar irradiation. This has been explained by faster electron transfer to OH radical at the p-n hetero-junction of this composite catalyst. Application of this composite catalyst in decomposing humus substances of local pond water by solar energy has been demonstrated.

  11. The GEM-Mars general circulation model for Mars: Description and evaluation

    Science.gov (United States)

    Neary, L.; Daerden, F.

    2018-01-01

    GEM-Mars is a gridpoint-based three-dimensional general circulation model (GCM) of the Mars atmosphere extending from the surface to approximately 150 km based on the GEM (Global Environmental Multiscale) model, part of the operational weather forecasting and data assimilation system for Canada. After the initial modification for Mars, the model has undergone considerable changes. GEM-Mars is now based on GEM 4.2.0 and many physical parameterizations have been added for Mars-specific atmospheric processes and surface-atmosphere exchange. The model simulates interactive carbon dioxide-, dust-, water- and atmospheric chemistry cycles. Dust and water ice clouds are radiatively active. Size distributed dust is lifted by saltation and dust devils. The model includes 16 chemical species (CO2, Argon, N2, O2, CO, H2O, CH4, O3, O(1D), O, H, H2, OH, HO2, H2O2 and O2(a1Δg)) and has fully interactive photochemistry (15 reactions) and gas-phase chemistry (31 reactions). GEM-Mars provides a good simulation of the water and ozone cycles. A variety of other passive tracers can be included for dedicated studies, such as the emission of methane. The model has both a hydrostatic and non-hydrostatic formulation, and together with a flexible grid definition provides a single platform for simulations on a variety of horizontal scales. The model code is fully parallelized using OMP and MPI. Model results are evaluated by comparison to a selection of observations from instruments on the surface and in orbit, relating to atmosphere and surface temperature and pressure, dust and ice content, polar ice mass, polar argon, and global water and ozone vertical columns. GEM-Mars will play an integral part in the analysis and interpretation of data that is received by the NOMAD spectrometer on the ESA-Roskosmos ExoMars Trace Gas Orbiter. The present paper provides an overview of the current status and capabilities of the GEM-Mars model and lays the foundations for more in-depth studies in support

  12. IMPLICATIONS OF CREDIT RISK TRANSFER ON BANK PERFORMANCES

    Directory of Open Access Journals (Sweden)

    Victoria COCIUG

    2015-07-01

    Full Text Available The impact of the financial crisis has demonstrated the fragility of the banking sector and the need to implement new technologies that would allow not only insurance against the most important credit risk - credit risk, but development of lending segment. In such conditions, transfer of credit risk is an efficient and actual way to diversify the banks exposure for credit risk by the presence of those who are willing to take on some of this risk. Taking of credit risk can be achieved through credit derivatives, securitization and sale of loans, being selected the most advantageous technique for the bank. The current situation of the national banking sector requires solving the problem of bad loans, which, unfortunately, are increasing, by implementing new techniques for credit risk management according with EU directives.

  13. Measuring Credit Capacity on Danish Farms Using DEA

    DEFF Research Database (Denmark)

    Friis Pedersen, Michael; Vesterlund Olsen, Jakob

    2013-01-01

    have important implications for risk management practice, investment and technology adoption and related policy issues. The method is limited by the possibility of strategic behavior of lenders during credit cycle busts. In credit cycle booms, the method gives a good basis for the estimates of change...... in credit reserves. Practical implications: In a period of increasing credit reserves, risk management institutions are unlikely to develop. Like agricultural policy, access to credit may crowd out market-based risk management. Originality/value: The study represents a novel application and interpretation......Purpose:The purpose of this paper is to introduce a novel measure of access to credit suited to estimate the relative change in credit reserves. Design/methodology/approach: A debt possibility frontier is estimated using data envelopment analysis and the Malmquist index is calculated. The Malmquist...

  14. High voltage photo switch package module

    Science.gov (United States)

    Sullivan, James S; Sanders, David M; Hawkins, Steven A; Sampayan, Stephen E

    2014-02-18

    A photo-conductive switch package module having a photo-conductive substrate or wafer with opposing electrode-interface surfaces, and at least one light-input surface. First metallic layers are formed on the electrode-interface surfaces, and one or more optical waveguides having input and output ends are bonded to the substrate so that the output end of each waveguide is bonded to a corresponding one of the light-input surfaces of the photo-conductive substrate. This forms a waveguide-substrate interface for coupling light into the photo-conductive wafer. A dielectric material such as epoxy is then used to encapsulate the photo-conductive substrate and optical waveguide so that only the metallic layers and the input end of the optical waveguide are exposed. Second metallic layers are then formed on the first metallic layers so that the waveguide-substrate interface is positioned under the second metallic layers.

  15. Polymer Electrolyte Membranes for Water Photo-Electrolysis

    Science.gov (United States)

    Aricò, Antonino S.; Girolamo, Mariarita; Siracusano, Stefania; Sebastian, David; Baglio, Vincenzo; Schuster, Michael

    2017-01-01

    Water-fed photo-electrolysis cells equipped with perfluorosulfonic acid (Nafion® 115) and quaternary ammonium-based (Fumatech® FAA3) ion exchange membranes as separator for hydrogen and oxygen evolution reactions were investigated. Protonic or anionic ionomer dispersions were deposited on the electrodes to extend the interface with the electrolyte. The photo-anode consisted of a large band-gap Ti-oxide semiconductor. The effect of membrane characteristics on the photo-electrochemical conversion of solar energy was investigated for photo-voltage-driven electrolysis cells. Photo-electrolysis cells were also studied for operation under electrical bias-assisted mode. The pH of the membrane/ionomer had a paramount effect on the photo-electrolytic conversion. The anionic membrane showed enhanced performance compared to the Nafion®-based cell when just TiO2 anatase was used as photo-anode. This was associated with better oxygen evolution kinetics in alkaline conditions compared to acidic environment. However, oxygen evolution kinetics in acidic conditions were significantly enhanced by using a Ti sub-oxide as surface promoter in order to facilitate the adsorption of OH species as precursors of oxygen evolution. However, the same surface promoter appeared to inhibit oxygen evolution in an alkaline environment probably as a consequence of the strong adsorption of OH species on the surface under such conditions. These results show that a proper combination of photo-anode and polymer electrolyte membrane is essential to maximize photo-electrolytic conversion. PMID:28468242

  16. iPhoto '11 The Missing Manual

    CERN Document Server

    Pogue, David

    2011-01-01

    With better ways to get your photos online and new options for creating printed projects, iPhoto '11 makes it easier than ever to transfer photos from a digital camera, organize them, and publish, print, or share them in maps-but there's still no printed manual for the program. Fortunately, David Pogue and Lesa Snider team up in this witty, authoritative book that should have been in the box. Organize your collection. Discover all of the options for grouping your pictures-by events, in albums, or based on who's in the photo or where it was taken.Sharpen your editing skills. Learn how to use

  17. 'Mars-shine'

    Science.gov (United States)

    2005-01-01

    [figure removed for brevity, see original site] 'Mars-shine' Composite NASA's Mars Exploration Rover Spirit continues to take advantage of favorable solar power conditions to conduct occasional nighttime astronomical observations from the summit region of 'Husband Hill.' Spirit has been observing the martian moons Phobos and Deimos to learn more about their orbits and surface properties. This has included observing eclipses. On Earth, a solar eclipse occurs when the Moon's orbit takes it exactly between the Sun and Earth, casting parts of Earth into shadow. A lunar eclipse occurs when the Earth is exactly between the Sun and the Moon, casting the Moon into shadow and often giving it a ghostly orange-reddish color. This color is created by sunlight reflected through Earth's atmosphere into the shadowed region. The primary difference between terrestrial and martian eclipses is that Mars' moons are too small to completely block the Sun from view during solar eclipses. Recently, Spirit observed a 'lunar' eclipse on Mars. Phobos, the larger of the two martian moons, was photographed while slipping into the shadow of Mars. Jim Bell, the astronomer in charge of the rover's panoramic camera (Pancam), suggested calling it a 'Phobal' eclipse rather than a lunar eclipse as a way of identifying which of the dozens of moons in our solar system was being cast into shadow. With the help of the Jet Propulsion Laboratory's navigation team, the Pancam team planned instructions to Spirit for acquiring the views shown here of Phobos as it entered into a lunar eclipse on the evening of the rover's 639th martian day, or sol (Oct. 20, 2005) on Mars. This image is a time-lapse composite of eight Pancam images of Phobos moving across the martian sky. The entire eclipse lasted more than 26 minutes, but Spirit was able to observe only in the first 15 minutes. During the time closest to the shadow crossing, Spirit's cameras were programmed to take images every 10 seconds. In the first three

  18. Credit-Card Bill Seeks to Protect Students but Could Limit Their Access to Credit

    Science.gov (United States)

    Field, Kelly

    2009-01-01

    Congress passed legislation last week that would shield students and other consumers from sudden spikes in interest rates and fees, but that could make it harder for young people to access credit to pay for college. The legislation would extend broad new consumer protections to all credit-card holders, offering special protections to college…

  19. Mars Trek: An Interactive Web Portal for Current and Future Missions to Mars

    Science.gov (United States)

    Law, E.; Day, B.

    2017-09-01

    NASA's Mars Trek (https://marstrek.jpl.nasa.gov) provides a web-based Portal and a suite of interactive visualization and analysis tools to enable mission planners, lunar scientists, and engineers to access mapped data products from past and current missions to Mars. During the past year, the capabilities and data served by Mars Trek have been significantly expanded beyond its original design as a public outreach tool. At the request of NASA's Science Mission Directorate and Human Exploration Operations Mission Directorate, Mars Trek's technology and capabilities are now being extended to support site selection and analysis activities for the first human missions to Mars.

  20. Mars Trek: An Interactive Web Portal for Current and Future Missions to Mars

    Science.gov (United States)

    Law, E.; Day, B.

    2017-01-01

    NASA's Mars Trek (https://marstrek.jpl.nasa.gov) provides a web-based Portal and a suite of interactive visualization and analysis tools to enable mission planners, lunar scientists, and engineers to access mapped data products from past and current missions to Mars. During the past year, the capabilities and data served by Mars Trek have been significantly expanded beyond its original design as a public outreach tool. At the request of NASA's Science Mission Directorate and Human Exploration Operations Mission Directorate, Mars Trek's technology and capabilities are now being extended to support site selection and analysis activities for the first human missions to Mars.

  1. Acid Sulfate Alteration on Mars

    Science.gov (United States)

    Ming, D. W.; Morris, R. V.

    2016-01-01

    aqueous formation of sulfate-bearing phases under acidic conditions on the surface of Mars including (1) sulfuric acid weathering of basaltic materials; (2) oxidative weathering of ultramafic igneous rocks containing sulfides; (3) acid fog weathering of basaltic materials, and (4) near-neutral pH subsurface solutions rich in Fe2(+) that were rapidly oxidized to Fe3(+), which produced excess acidity as iron was oxidized on exposure to O2 or photo-oxidized by ultraviolet radiation at the martian surface. Next, we briefly describe evidence for these hypothesis.

  2. Iterative metal artefact reduction (MAR) in postsurgical chest CT: comparison of three iMAR-algorithms.

    Science.gov (United States)

    Aissa, Joel; Boos, Johannes; Sawicki, Lino Morris; Heinzler, Niklas; Krzymyk, Karl; Sedlmair, Martin; Kröpil, Patric; Antoch, Gerald; Thomas, Christoph

    2017-11-01

    The purpose of this study was to evaluate the impact of three novel iterative metal artefact (iMAR) algorithms on image quality and artefact degree in chest CT of patients with a variety of thoracic metallic implants. 27 postsurgical patients with thoracic implants who underwent clinical chest CT between March and May 2015 in clinical routine were retrospectively included. Images were retrospectively reconstructed with standard weighted filtered back projection (WFBP) and with three iMAR algorithms (iMAR-Algo1 = Cardiac algorithm, iMAR-Algo2 = Pacemaker algorithm and iMAR-Algo3 = ThoracicCoils algorithm). The subjective and objective image quality was assessed. Averaged over all artefacts, artefact degree was significantly lower for the iMAR-Algo1 (58.9 ± 48.5 HU), iMAR-Algo2 (52.7 ± 46.8 HU) and the iMAR-Algo3 (51.9 ± 46.1 HU) compared with WFBP (91.6 ± 81.6 HU, p algorithms, respectively. iMAR-Algo2 and iMAR-Algo3 reconstructions decreased mild and moderate artefacts compared with WFBP and iMAR-Algo1 (p algorithms led to a significant reduction of metal artefacts and increase in overall image quality compared with WFBP in chest CT of patients with metallic implants in subjective and objective analysis. The iMARAlgo2 and iMARAlgo3 were best for mild artefacts. IMARAlgo1 was superior for severe artefacts. Advances in knowledge: Iterative MAR led to significant artefact reduction and increase image-quality compared with WFBP in CT after implementation of thoracic devices. Adjusting iMAR-algorithms to patients' metallic implants can help to improve image quality in CT.

  3. Visit by representatives from the Ministry of Science and Technology, Spain

    CERN Multimedia

    Maximilien Brice

    2002-01-01

    Photo 01: Jean-Luc Baldy, leader of CERN's civil engineering group (right), accompanies the visitors on a tour of excavation work in the large ATLAS cavern at Point 1: (left to right) Montserrat Capellas from the CERN Press Office, María José Jerez et María Requejo from the Spanish Ministry of Science and Technology, and Julio Oropesa from ETT division. Photo 02: (left to right) Montserrat Capellas, CERN guide Joao Bento, María José Jerez, María Requejo, and Julio Oropesa visit CERN's Antiproton Decelerator (AD) facility. Photo 03: (left to right) Montserrat Capella, María Requejo, Julio Oropesa, María José Jerez, and Joao Bento get a bird's eye view of the ATHENA experiment for the production of antihydrogen at the AD. Photo 04: Jean-Luc Baldy (right) explains surface civil engineering work at Point 1 to the visitors: (left to right) Julio Oropesa, María Requejo, María José Jerez, Joao Bento, and Montserrat Capella.

  4. STATE CREDIT RATING MARK: PRESENT DOMESTIC REALITIES

    OpenAIRE

    Kovalko, N. M.

    2017-01-01

    The article discusses the problematic aspects of credit ratings and ranking. The economic and legal aspects of ranking relations are addressed. It is concluded that a low credit standing of Ukraine is a sign of our country’s low debt sustainability.It is proved that both for Ukraine and for economically developed countries, the issue of credit ratings is quite important, and at times problematic. The issue is related to the development of the national and international financial credit resour...

  5. Rare disasters, credit, and option market puzzles

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Du, Du; Elkamhi, Redouane

    2017-01-01

    calibrated to the real economy can simultaneously explain several key empirical regularities in equity, credit, and options markets. Our model captures the empirical level and volatility of credit spreads, generates a flexible credit risk term structure, and provides a good fit to a century of observed...

  6. 40 CFR 1033.715 - Banking emission credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Banking emission credits. 1033.715... CONTROLS CONTROL OF EMISSIONS FROM LOCOMOTIVES Averaging, Banking, and Trading for Certification § 1033.715 Banking emission credits. (a) Banking is the retention of emission credits by the manufacturer...

  7. 25 CFR 140.23 - Credit at trader's risk.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Credit at trader's risk. 140.23 Section 140.23 Indians....23 Credit at trader's risk. Credit given Indians will be at the trader's own risk, as no assistance... accept pawns or pledges of personal property by Indians to obtain credit or loans. ...

  8. Does ownership structure improve credit ratings?

    Directory of Open Access Journals (Sweden)

    Aws AlHares

    2018-04-01

    Full Text Available This study seeks to examine the impact of Block Ownership structure on Credit Ratings in OECD countries. This research seeks to contribute to the extant literature by exploring the effects of Corporate Governance (CG mechanisms on corporate credit ratings. The study uses a panel data of 200 companies from Anglo American and European countries between 2010 and 2014. The ordinary least square regression is used to examine the relationships. Additionally, to alleviate the concern of potential endogeneity, we use fixed effect regression, two-stage least squares using instrumental variables. The results show there is a negative and significant relationship between block ownership and credit ratings, with a greater significance among Anglo American countries than among European countries. The rationale for this is that Anglo-American system gives preferential treatment to individual shareholders and its accounting tradition leads to a decline in risk and increase in credit ratings. The result is consistent with the multi-theoretical framework predictions derived from the agency and stewardship theories. Future research could investigate credit ratings using other credit rating agencies, selecting a larger sample that includes small, mid-size and large companies. This paper extends, as well as contributes to extant CG literature by offering new evidence on the effect of block ownership on credit ratings between two different traditions. This will be explored by employing firm-level CG mechanisms by accounting for control variables. The findings will help regulators and policymakers in OECD countries in evaluating the adequacy of current CG reforms to prevent management misconduct and scandals.

  9. Person Recognition in Social Media Photos

    OpenAIRE

    Oh, Seong Joon; Benenson, Rodrigo; Fritz, Mario; Schiele, Bernt

    2017-01-01

    People nowadays share large parts of their personal lives through social media. Being able to automatically recognise people in personal photos may greatly enhance user convenience by easing photo album organisation. For human identification task, however, traditional focus of computer vision has been face recognition and pedestrian re-identification. Person recognition in social media photos sets new challenges for computer vision, including non-cooperative subjects (e.g. backward viewpoints...

  10. 12 CFR 614.4010 - Agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ...) of this chapter, for the export (including the cost of freight) of agricultural commodities or... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit banks. 614.4010 Section 614.4010 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS...

  11. Space Tweetup - from a participant to a Mars Tweetup organizer and a new format of space communication

    Science.gov (United States)

    Haider, O.; Groemer, G.

    2014-01-01

    In September 2011, the European Space Agency (ESA) and the German Space Agency (DLR) organized the first European SpaceTweetup during the German Aerospace day. One of the authors was one of 60 participants at this SpaceTweetup in Cologne and experienced the concept of a Tweetup and the engagement of the participants from the inside view. Building upon this experience, the Austrian Space Forum (OeWF) organized the first Austrian MarsTweetup during the “Dachstein Mars analog simulation”. Between 27 Apr,2001 and May,2012, a five day Mars simulation was conducted by the Austrian Space Forum and international research partners at the Giant Ice caves at the Dachstein region in Austria. During this field test, the Aouda.X spacesuit simulator and selected geophysical and life-science related experiments were conducted. In this paper we outline the potential and limitations of social media and how to engage the general public to participate and communicate about space projects through their own experience. We show examples of material SpaceTweetup participants produced e.g. hundreds of tweets during the actual event, blog entries, photo galleries and how space communication can benefit from it. Our considerations on organizing a SpaceTweetup are complemented with a section on lessons learned.

  12. Credit card spending limit and personal finance: system dynamics approach

    Directory of Open Access Journals (Sweden)

    Mirjana Pejić Bach

    2014-03-01

    Full Text Available Credit cards have become one of the major ways for conducting cashless transactions. However, they have a long term impact on the well being of their owner through the debt generated by credit card usage. Credit card issuers approve high credit limits to credit card owners, thereby influencing their credit burden. A system dynamics model has been used to model behavior of a credit card owner in different scenarios according to the size of a credit limit. Experiments with the model demonstrated that a higher credit limit approved on the credit card decreases the budget available for spending in the long run. This is a contribution toward the evaluation of action for credit limit control based on their consequences.

  13. An Anonymous Credit Card System

    Science.gov (United States)

    Androulaki, Elli; Bellovin, Steven

    Credit cards have many important benefits; however, these same benefits often carry with them many privacy concerns. In particular, the need for users to be able to monitor their own transactions, as well as bank’s need to justify its payment requests from cardholders, entitle the latter to maintain a detailed log of all transactions its credit card customers were involved in. A bank can thus build a profile of each cardholder even without the latter’s consent. In this paper, we present a practical and accountable anonymous credit system based on ecash, with a privacy preserving mechanism for error correction and expense-reporting.

  14. Mars Science Laboratory Entry Guidance Improvements for Mars 2018 (DRAFT)

    Science.gov (United States)

    Garcia-Llama, Eduardo; Winski, Richard G.; Shidner, Jeremy D.; Ivanov, Mark C.; Grover, Myron R.; Prakash, Ravi

    2011-01-01

    In 2011, the Mars Science Laboratory (MSL) will be launched in a mission to deliver the largest and most capable rover to date to the surface of Mars. A follow on MSL-derived mission, referred to as Mars 2018, is planned for 2018. Mars 2018 goals include performance enhancements of the Entry, Descent and Landing over that of its predecessor MSL mission of 2011. This paper will discuss the main elements of the modified 2018 EDL preliminary design that will increase performance on the entry phase of the mission. In particular, these elements will increase the parachute deploy altitude to allow for more time margin during the subsequent descent and landing phases and reduce the delivery ellipse size at parachute deploy through modifications in the entry reference trajectory design, guidance trigger logic design, and the effect of additional navigation hardware.

  15. Tuition Tax Credits. Issuegram 19.

    Science.gov (United States)

    Augenblick, John; McGuire, Kent

    Approaches for using the federal income tax system to aid families of pupils attending private schools include: tax credits, tax deductions, tax deferrals, and education savings incentives. Tax credit structures can be made refundable and made sensitive to taxpayers' income levels, the level of education expenditures, and designated costs.…

  16. College credit for in-house training

    International Nuclear Information System (INIS)

    Reilly, K.; Getty, C.; Knief, R.

    1981-01-01

    The Program on Non-Collegiate Sponsored Instruction (PONSI) and similar organizations may be of considerable help to the industry to the extent that college credit can be awarded for certain activities in reactor site training programs. The credit recommendations generally may be used at local colleges. They also may be applied (along with credit for college-level activities such as correspondence and on-campus courses, proficiency testing, and other evaluations) to degrees granted by the Regent's External Degree Program (REX) and other organizations. This paper describes the principle features of the PONSI and REX programs. PONSI's first credit evaluation at a nuclear plant - Consolidated Edison's Indian Point 2 - is summarized. Recent proposals for an explicit nuclear degree through REX are also described briefly

  17. Securitization, Credit Rating and Issuers’ Characteristics

    Directory of Open Access Journals (Sweden)

    Mauricio Palmada Fernandes

    2014-01-01

    Full Text Available Given the growth of securitization through Credit Receivables Investment Funds (Fundos de Investimento em Direitos Creditórios - FIDCs in Brazil in recent years, this work aims to investigate empirically the relationship between securitization and credit rating in the Brazilian market. All issues of FIDCs held by banks and registered in the CVM from 2005 to July 2010 were analyzed. The two hypotheses discussed by Gorton and Souleles (2005 were confirmed to Brazilian financial institutions. There is evidence of an implied contract between the transferor companies and investors in securitizations made via FIDCs. Companies with higher credit risk, worst ratings, tend to securitize more. However no relationship was found between securitization and asset value, amount of loans or capital ratio.

  18. Effects of Credit on Economic Growth, Unemployment and Poverty

    Directory of Open Access Journals (Sweden)

    Mangasa Augustinus Sipahutar

    2016-06-01

                  Effect of credit on economic growth, unemployment and poverty provides evidence from Indonesia on the role of banks credit for promoting economic growth and reducing both unemployment and poverty.  To document the link between banks credit and economic growth, we estimate a VAR model and variance decompositions of annual GDP per capita growth rates to examine what proxy measures of banks credit are most important in accounting for economic growth over time and how much they contribute to explaining economic growth.  We also estimate an ECM to document the relationship between banks credit to both unemployment and poverty.  This paper revealed bi-direction causality between banks credit and economic growth.  Banks credit promotes economic growth and economic growth affects credit depth and financial development.  Furthermore, banks credit is a growth accelerating factor on Indonesian economic growth.  Banks credit is an endogenous growth and a good predictor on Indonesian economy. Our estimation model explained that credit allocated by banks increases business escalation to the real sectors then promotes economic growth, decreases unemployment rate through increasing in labor demanded, increases income and then decrease poverty.  This overall transmission mechanism just occurred through presence of banks credit by increasing money supply to the real sectors, promotes growth and social welfare.   Keywords :  banks credit, economic growth, growth accelerating factor, poverty, unemployment   JEL Classification : E51, E52, E58

  19. 49 CFR 260.15 - Credit risk premium.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Credit risk premium. 260.15 Section 260.15... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.15 Credit risk premium. (a) Where available... pay to the Administrator a Credit Risk Premium adequate to cover that portion of the subsidy cost not...

  20. Consumer Credit: Evidence from Italian Micro Data

    NARCIS (Netherlands)

    Hochguertel, S.; Alessie, R.; Weber, G.

    2005-01-01

    In this paper we analyse unique data on credit applications received by the leading provider of consumer credit in Italy (Findomestic). The data set covers a five-year period (1995-1999) during which the consumer credit market rapidly expanded in Italy and a new law (the usury law) came into force

  1. Temperature behaviour of photo-emissive films. The case of photo-multipliers used in scintillation counters

    International Nuclear Information System (INIS)

    Ardalan, A.H.

    1966-01-01

    This work concerns the changes in the spectral sensitivity of 3 types of normal photo-cathodes (Cs 3 Sb, tri-alkali and bi-alkali without cesium) as a function of temperature. The photo-cathodes of cathodes of commercial photomultipliers (DARIO, E.M.I., R.C.A., A.S.C.O.F.) were used for these tests. The temperature range studied was -25 C to +55 C (except for the bi-alkali photo-cathodes which were tested up to +150 C) and the wave-length range was 3250 to 7000 angstrom. After a brief review of photo-electric effect theories, the experimental device is described and the measurement results presented. Finally, an interpretation of these results is proposed. For the normal range of scintillator emission, i.e. between 3000 and 5000 angstroms (Na I (Tl), plastics, anthracene) the temperature coefficient is always negative: -0.15 % C for Cs 3 Sb and up to -0.5 % C for the most temperature-sensitive photo-cathode. Above 5000 angstrom, the temperature coefficient of Cs 3 Sb films becomes positive: +0.5 % C on the overage. The accuracy of the spectral sensitivity measurements is ±4 % in absolute value and ±1 % in relative value. (author) [fr

  2. Credit scores, cardiovascular disease risk, and human capital.

    Science.gov (United States)

    Israel, Salomon; Caspi, Avshalom; Belsky, Daniel W; Harrington, HonaLee; Hogan, Sean; Houts, Renate; Ramrakha, Sandhya; Sanders, Seth; Poulton, Richie; Moffitt, Terrie E

    2014-12-02

    Credit scores are the most widely used instruments to assess whether or not a person is a financial risk. Credit scoring has been so successful that it has expanded beyond lending and into our everyday lives, even to inform how insurers evaluate our health. The pervasive application of credit scoring has outpaced knowledge about why credit scores are such useful indicators of individual behavior. Here we test if the same factors that lead to poor credit scores also lead to poor health. Following the Dunedin (New Zealand) Longitudinal Study cohort of 1,037 study members, we examined the association between credit scores and cardiovascular disease risk and the underlying factors that account for this association. We find that credit scores are negatively correlated with cardiovascular disease risk. Variation in household income was not sufficient to account for this association. Rather, individual differences in human capital factors—educational attainment, cognitive ability, and self-control—predicted both credit scores and cardiovascular disease risk and accounted for ∼45% of the correlation between credit scores and cardiovascular disease risk. Tracing human capital factors back to their childhood antecedents revealed that the characteristic attitudes, behaviors, and competencies children develop in their first decade of life account for a significant portion (∼22%) of the link between credit scores and cardiovascular disease risk at midlife. We discuss the implications of these findings for policy debates about data privacy, financial literacy, and early childhood interventions.

  3. 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.

  4. Automatic digital photo-book making system

    Science.gov (United States)

    Wang, Wiley; Teo, Patrick; Muzzolini, Russ

    2010-02-01

    The diversity of photo products has grown more than ever before. A group of photos are not only printed individually, but also can be arranged in specific order to tell a story, such as in a photo book, a calendar or a poster collage. Similar to making a traditional scrapbook, digital photo book tools allow the user to choose a book style/theme, layouts of pages, backgrounds and the way the pictures are arranged. This process is often time consuming to users, given the number of images and the choices of layout/background combinations. In this paper, we developed a system to automatically generate photo books with only a few initial selections required. The system utilizes time stamps, color indices, orientations and other image properties to best fit pictures into a final photo book. The common way of telling a story is to lay the pictures out in chronological order. If the pictures are proximate in time, they will coincide with each other and are often logically related. The pictures are naturally clustered along a time line. Breaks between clusters can be used as a guide to separate pages or spreads, thus, pictures that are logically related can stay close on the same page or spread. When people are making a photo book, it is helpful to start with chronologically grouped images, but time alone wont be enough to complete the process. Each page is limited by the number of layouts available. Many aesthetic rules also apply, such as, emphasis of preferred pictures, consistency of local image density throughout the whole book, matching a background to the content of the images, and the variety of adjacent page layouts. We developed an algorithm to group images onto pages under the constraints of aesthetic rules. We also apply content analysis based on the color and blurriness of each picture, to match backgrounds and to adjust page layouts. Some of our aesthetic rules are fixed and given by designers. Other aesthetic rules are statistic models trained by using

  5. SGTR assessment using MARS

    International Nuclear Information System (INIS)

    Raines, J.C.; Dawson, S.M.; Deitke, B.; Henry, R.E.

    1996-01-01

    During the course of a plant accident, a consistent understanding of the plant response is vital to support an accident manager's decision making process. One tool that can provide assistance to the plant staff in assessing conditions in the plant during accident conditions is the MAAP Accident Response System (MARS) software. During an accident, MARS utilizes the on-line data from the plant instrumentation to initialize the Modular Accident Analysis Program (MAAP) code. Once initialized, MARS tracks and characterizes the plant behavior through the use of integrated logic modules. These logic modules provide the user with important information about the status of systems and the possible cause of the accident. The MARS logic modules evaluate relevant available plant instrumentation and the observations of the operating staff using fuzzy logic. The fuzzy logic is applied to provide a transition between areas where one is absolutely sure that a situation has not occurred to a condition where one is absolutely certain that a situation has occurred. One example of the use of logic modules in MARS is illustrated by that used to assess if a steam generator tube rupture (SGTR) event has occurred. Each piece of relevant plant data is evaluated to determine if it is consistent with the symptoms of a SGTR. Each of the evaluations for the individual plant instruments and the operating staff observations are assembled to determine an overall confidence which characterizes the likelihood that a SGTR is occurring. Additional MARS logic modules are used to determine confidence levels for other types of accident events. The conclusions arrived at by each individual logic module are expressed as confidence levels. The logic module confidence levels can be graphically displayed using the MARS Graphical Users Interface (GUI), to indicate the confidence level MARS has assessed for each accident type. The GUI shows the identification of the possible accident types, but is not limited

  6. Study on the Impact of the Private Credit Excess on the Credit Risk under the Massive Capital Inflows Risk under the Massive Capital Inflows

    Directory of Open Access Journals (Sweden)

    Jong-Hee Kim

    2016-09-01

    Full Text Available By examining the relationship between private credit growth and the possibility of credit risk while focusing on international capital in 21 countries over the period 2000:1Q-2015:2Q, this paper shows that the impact of private credit growth on credit risk is apparent under the high ratio of capital inflows, and its impact on credit risk in the seven Asian countries is even stronger. And the possibility of credit risk caused by private credit is mainly coming from portfolio inflows rather than direct inflows. Finally, portfolio inflows strengthen the positive relationship between credit excess and credit risk in Asian countries, and this trend is seen more in these after the global financial crisis. Taken together, the stronger positive relationship between credit excess and credit risk can be strengthen under the massive portfolio inflows in particular in the seven Asian countries such as Hong Kong, India, Indonesia, Korea, Malaysia, Singapore, and Thailand.

  7. CREDIT RATIONING AND SME DEVELOPMENT IN BOTSWANA ...

    African Journals Online (AJOL)

    None

    have the negative effect of stifling the growth of potential firms, thereby .... credit market may explain the credit rationing behaviour of banks to ... derive policy implications to enhance access to bank credit by SMEs. 4. ..... The main challenges to SMEs identified by the study were non-payment of outstanding ... This decision is.

  8. A library of georeferenced photos from the field

    Science.gov (United States)

    Xiao, Xiangming; Dorovskoy, Pavel; Biradar, Chandrashekhar; Bridge, Eli

    2011-12-01

    A picture is worth a thousand of words, and every day hundreds of scientists, students, and environmentally aware citizens are taking field photos to document their observations of rocks, glaciers, soils, forests, wetlands, croplands, rangelands, livestock, and birds and mammals, as well as important events such as droughts, floods, wildfires, insect emergences, and infectious disease outbreaks. Where are those field photos stored? Can they be shared in a timely fashion to support education, research, and the leisure activities of citizens across the world? What are the financial and intellectual costs if those field photos are lost or not shared? Recently, researchers at the University of Oklahoma developed and released the Global Geo-Referenced Field Photo Library (hereinafter referred to as the Field Photo Library; http://www.eomf.ou.edu/photos/), a Web-based data portal designed for researchers and educators who wish to archive and share field photos from across the world, each tagged with exact positioning data (Figure 1). The data portal has a simple user interface that allows people to upload, query, and download georeferenced field photos in the library.

  9. Credit Rationing Effects of Credit Value-at-Risk

    NARCIS (Netherlands)

    J.F. Slijkerman; D.J.C. Smant (David); C.G. de Vries (Casper)

    2004-01-01

    textabstractBanks provide risky loans to firms which have superior information regarding the quality of their projects. Due to asymmetric information the banks face the risk of adverse selection. Credit Value-at-Risk (CVaR) regulation counters the problem of low quality, i.e. high risk, loans and

  10. Trade Credit Insurance and Asymmetric Information Problem

    Directory of Open Access Journals (Sweden)

    Sokolovska Olena

    2017-03-01

    Full Text Available The presence of different risk factors in international trade gives evidence of the necessity of support in gaps that may affect exporters’ activity. To maximize the trade volumes and in the same time to minimize the exporters’ risks the stakeholders use trade credit insurance. The paper provides analysis of conceptual background of the trade credit insurance in the world. We analyzed briefly the problems, arising in insurance markets due to asymmetric information, such as adverse selection and moral hazard. Also we discuss the main stages of development of trade credit insurance in countries worldwide. Using comparative and graphical analysis we provide a brief evaluation of the dynamics of claims and recoveries for different forms of trade credit insurance. We found that the claims related to the commercial risk for medium and long trade credits in recent years exceed the recoveries, while with the political risk the reverse trend holds. And we originally consider these findings in terms of information asymmetry in the trade credit insurance differentiated by type of risk.

  11. 5 CFR 610.408 - Use of credit hours.

    Science.gov (United States)

    2010-01-01

    ... Flexible and Compressed Work Schedules § 610.408 Use of credit hours. Members of the Senior Executive Service (SES) may not accumulate credit hours under an alternative work schedule. Any credit hours...

  12. Examining Mars with SPICE

    Science.gov (United States)

    Acton, Charles H.; Bachman, Nathaniel J.; Bytof, Jeff A.; Semenov, Boris V.; Taber, William; Turner, F. Scott; Wright, Edward D.

    1999-01-01

    The International Mars Conference highlights the wealth of scientific data now and soon to be acquired from an international armada of Mars-bound robotic spacecraft. Underlying the planning and interpretation of these scientific observations around and upon Mars are ancillary data and associated software needed to deal with trajectories or locations, instrument pointing, timing and Mars cartographic models. The NASA planetary community has adopted the SPICE system of ancillary data standards and allied tools to fill the need for consistent, reliable access to these basic data and a near limitless range of derived parameters. After substantial rapid growth in its formative years, the SPICE system continues to evolve today to meet new needs and improve ease of use. Adaptations to handle landers and rovers were prototyped on the Mars pathfinder mission and will next be used on Mars '01-'05. Incorporation of new methods to readily handle non-inertial reference frames has vastly extended the capability and simplified many computations. A translation of the SPICE Toolkit software suite to the C language has just been announced. To further support cartographic calculations associated with Mars exploration the SPICE developers at JPL have recently been asked by NASA to work with cartographers to develop standards and allied software for storing and accessing control net and shape model data sets; these will be highly integrated with existing SPICE components. NASA specifically supports the widest possible utilization of SPICE capabilities throughout the international space science community. With NASA backing the Russian Space Agency and Russian Academy of Science adopted the SPICE standards for the Mars 96 mission. The SPICE ephemeris component will shortly become the international standard for agencies using the Deep Space Network. U.S. and European scientists hope that ESA will employ SPICE standards on the Mars Express mission. SPICE is an open set of standards, and

  13. Methodology of Credit Analysis Development

    Directory of Open Access Journals (Sweden)

    Slađana Neogradi

    2017-12-01

    Full Text Available The subject of research presented in this paper refers to the definition of methodology for the development of credit analysis in companies and its application in lending operations in the Republic of Serbia. With the developing credit market, there is a growing need for a well-developed risk and loss prevention system. In the introduction the process of bank analysis of the loan applicant is presented in order to minimize and manage the credit risk. By examining the subject matter, the process of processing the credit application is described, the procedure of analyzing the financial statements in order to get an insight into the borrower's creditworthiness. In the second part of the paper, the theoretical and methodological framework is presented applied in the concrete company. In the third part, models are presented which banks should use to protect against exposure to risks, i.e. their goal is to reduce losses on loan operations in our country, as well as to adjust to market conditions in an optimal way.

  14. CONTINGENCIES FOR MEASUREMENT OF THE CREDIT RISK

    Directory of Open Access Journals (Sweden)

    Marinela BARBULESCU

    2015-12-01

    Full Text Available The Global Financial Crisis, which affected various banks, some of them very important banks, highlighted the importance of an accurate credit risk measurement in order to be able to overcome it. There are a variety of such credit risk measurement models, so we can say that banks face a real dilemma when having to choose the most appropriate one. The aim of this paper is to examine the most popular methods used to measure the credit risk and to identify the strengths and the weaknesses of each one of it. The research was accomplished from a double perspective, in which the conceptual methodological approach is correlated to a variety of references to practical actions aiming the measurement and the prevention of credit risk. The study includes the presentation of the objectives of credit risk analysis, the most appropriate moments for doing such an analysis, the steps that have to be done in order to measure the credit risk, the errors that can overcome in the credit risk measurement system, generated by the misclassifications of the studied company, and the presentation of the specific information of financial creditors. The findings expressed in this paper were mainly the result of a qualitative analysis which showed that there is no best model for credit risk measurement, each one having both strengths and weaknesses, some providing a comprehensive analysis of the individual customer’s financial strength others allowing banks permanently monitor fluctuating default risk and identify the possibly problems at an early stage.

  15. BVA members wow judges in photo competition.

    Science.gov (United States)

    2016-09-03

    Earlier this year, BVA ran its inaugural photo competition, giving members the opportunity to showcase the work of the veterinary profession and the animals and wildlife they encounter. Standing out from over 400 high-quality entries, judges picked the images reproduced in this month's BVA News as the winning and highly commended photos. To see all the entries and hear from the winners, visit www.bva.co.uk/vet-photos-2016/. There will be another photo competition in 2017 with more categories to be announced. British Veterinary Association.

  16. Is credit for early action credible early action?

    International Nuclear Information System (INIS)

    Rolfe, C.; Michaelowa, A.; Dutschke, M.

    1999-12-01

    Credit for early action as a tool for greenhouse gas emissions reduction is compared with various market instruments as a means of narrowing the gap between projected emissions and those of the Kyoto Protocol. Market instruments work by creating a market price for emissions and use the market to encourage reductions at the lowest price, which is done by placing limits on greenhouse gas emissions and allowing the market to decide where reductions occur, or by imposing a carbon tax or emissions charge. While they can be applied within a sector, they are usually used to encourage reductions throughout the economy or across large sectors. Credit for early action also creates an incentive for emissions reductions throughout the economy or at least across many sectors. Credit for early action tools do not work by either imposing a carbon tax or emissions charge or placing limits on emissions, rather they promise that entities that take action against greenhouse gases prior to the imposition of a carbon tax or emissions limits will receive a credit against future taxes or limits. An overview is provided of the Kyoto Protocol and the rationale for taking early action, and a review is included of the theory and specific proposals for market instruments and credit for early action. A comparative analysis is provided of these approaches by examining their relative efficiency, environmental effectiveness, and impacts on the redistribution of wealth. Credit for early action is viewed as problematic on a number of counts and is seen as an interim strategy for imposition while political support for market instruments develop. The environmental effectiveness of credit for early action is very difficult to predict, and credit for early action programs do not yield the lowest cost emissions reductions. Credit for early action programs will not achieve compliance with the Kyoto Protocol at the lowest cost, and credits for early action will increase the compliance costs for those who

  17. Store Security. Credit Card Fraud.

    Science.gov (United States)

    Brockway, Jerry

    The manual, intended for use by adults and not in the high school classroom situation, presents material directed toward assisting in the reduction of credit card crime. This teaching guide is organized in three sections which deal with the nature of and major reasons for credit card fraud, the types of hot card runners, and methods of reducing…

  18. An endogenous model of the credit network

    Science.gov (United States)

    He, Jianmin; Sui, Xin; Li, Shouwei

    2016-01-01

    In this paper, an endogenous credit network model of firm-bank agents is constructed. The model describes the endogenous formation of firm-firm, firm-bank and bank-bank credit relationships. By means of simulations, the model is capable of showing some obvious similarities with empirical evidence found by other scholars: the upper-tail of firm size distribution can be well fitted with a power-law; the bank size distribution can be lognormally distributed with a power-law tail; the bank in-degrees of the interbank credit network as well as the firm-bank credit network fall into two-power-law distributions.

  19. Photo-Induced Micellization of Block Copolymers

    Directory of Open Access Journals (Sweden)

    Satoshi Kuwayama

    2010-11-01

    Full Text Available We found novel photo-induced micellizations through photolysis, photoelectron transfer, and photo-Claisen rearrangement. The photolysis-induced micellization was attained using poly(4-tert-butoxystyrene-block-polystyrene diblock copolymer (PBSt-b-PSt. BSt-b-PSt showed no self-assembly in dichloromethane and existed as isolated copolymers. Dynamic light scattering demonstrated that the copolymer produced spherical micelles in this solvent due to irradiation with a high-pressure mercury lamp in the presence of photo-acid generators, such as bis(alkylphenyliodonium hexafluorophosphate, diphenyliodonium hexafluorophosphate, and triphenylsulfonium triflate. The 1H NMR analysis confirmed that PBSt-b-PSt was converted into poly(4-vinylphenol-block-PSt by the irradiation, resulting in self-assembly into micelles. The irradiation in the presence of the photo-acid generator also induced the micellization of poly(4-pyridinemethoxymethylstyrene-block-polystyrene diblock copolymer (PPySt-b-PSt. Micellization occurred by electron transfer from the pyridine to the photo-acid generator in their excited states and provided monodispersed spherical micelles with cores of PPySt blocks. Further, the photo-Claisen rearrangement caused the micellization of poly(4-allyloxystyrene-block-polystyrene diblock copolymer (PASt-b-PSt. Micellization was promoted in cyclohexane at room temperature without a catalyst. During micellization, the elimination of the allyl groups competitively occurred along with the photorearrangement of the 4-allyloxystyrene units into the 3-allyl-4-hydroxystyrene units.

  20. Seasonal and Static Gravity Field of Mars from MGS, Mars Odyssey and MRO Radio Science

    Science.gov (United States)

    Genova, Antonio; Goossens, Sander; Lemoine, Frank G.; Mazarico, Erwan; Neumann, Gregory A.; Smith, David E.; Zuber, Maria T.

    2016-01-01

    We present a spherical harmonic solution of the static gravity field of Mars to degree and order 120, GMM-3, that has been calculated using the Deep Space Network tracking data of the NASA Mars missions, Mars Global Surveyor (MGS), Mars Odyssey (ODY), and the Mars Reconnaissance Orbiter (MRO). We have also jointly determined spherical harmonic solutions for the static and time-variable gravity field of Mars, and the Mars k 2 Love numbers, exclusive of the gravity contribution of the atmosphere. Consequently, the retrieved time-varying gravity coefficients and the Love number k 2 solely yield seasonal variations in the mass of the polar caps and the solid tides of Mars, respectively. We obtain a Mars Love number k 2 of 0.1697 +/-0.0027 (3- sigma). The inclusion of MRO tracking data results in improved seasonal gravity field coefficients C 30 and, for the first time, C 50 . Refinements of the atmospheric model in our orbit determination program have allowed us to monitor the odd zonal harmonic C 30 for approx.1.5 solar cycles (16 years). This gravity model shows improved correlations with MOLA topography up to 15% larger at higher harmonics ( l = 60–80) than previous solutions.

  1. A dynamic model of unsecured credit

    OpenAIRE

    Daniel R. Sanches

    2010-01-01

    The author studies the terms of credit in a competitive market in which sellers (lenders) are willing to repeatedly finance the purchases of buyers (borrowers) by engaging in a credit relationship. The key frictions are: (i) the lender is unable to observe the borrower's ability to repay a loan; (ii) the borrower cannot commit to any long-term contract; (iii) it is costly for the lender to contact a borrower and to walk away from a contract; and (iv) transactions within each credit relationsh...

  2. Issues for effective implementation of burnup credit

    International Nuclear Information System (INIS)

    Parks, C.V.; Wagner, J.C.

    2001-01-01

    In the United States, burnup credit has been used in the criticality safety evaluation for storage pools at pressurized water reactors (PWRs) and considerable work has been performed to lay the foundation for use of burnup credit in dry storage and transport cask applications and permanent disposal applications. Many of the technical issues related to the basic physics phenomena and parameters of importance are similar in each of these applications. However, the nuclear fuel cycle in the United States has never been fully integrated and the implementation of burnup credit to each of these applications is dependent somewhat on the specific safety bases developed over the history of each operational area. This paper will briefly review the implementation status of burnup credit for each application area and explore some of the remaining issues associated with effective implementation of burnup credit. (author)

  3. The Dilemmas over Credit Policy Management in a Company

    Directory of Open Access Journals (Sweden)

    Maria Gorczyńska

    2013-11-01

    Full Text Available Purpose of the article: The paper identifies the core dilemmas over the establishment of the credit policy in a company. It considers the general scope and basic stages of credit policy management and analyses each stage of credit policy in terms of decisive aspects. The main areas of concerns are discussed within the settlement of credit policy and its implementation with regard to the model of optimal credit policy. Scientific aim: The paper aims at constructing a unified model of issues rising dilemmas while setting and implementing the credit policy management. It also aims at identifying core decisive problems in each of these fields and at providing a structured questions framework. Methodology/methods: The paper is based on conceptual analysis and deduction of the literature and general review of issues related to credit policy management. It containts autors’ own view on the problems included in each stage of credit policy management. Findings: Credit policy management is a subject for numerous dilemmas. The main areas of concerns are related to: the decision about the goal of credit policy managemet with regard to its restrictiveness, the settlement of credit policy with regard to elements of credit policy, and finally the implementation with regard to the risk of bad debts occurrence. Conclusions: (limits, implications etc The establishment of credit policy in a company requires to balance contrary interests and thus involves wide variety of issues to be considered. The presented model of decisive problems might be applied in each company regardless to their size.

  4. A fast photo-counter with multi-level buffers

    International Nuclear Information System (INIS)

    Peng Hu; Zhou Peiling; Yao Kun; Guo Guangcan

    1992-01-01

    Digital Photon Correlator (DPC) is composed of a Photo-counter and a data processing unit. The performance of Photo-counter in data acquisition system has a direct influence on data processing. The Photo-counter with fast carry designed here has multi-level buffers. Photon pulses can be correctly and dynamically recorded by the Photo-counter and processed by a single chip computer

  5. Mars: The Viking Discoveries.

    Science.gov (United States)

    French, Bevan M.

    This booklet describes the results of NASA's Viking spacecraft on Mars. It is intended to be useful for the teacher of basic courses in earth science, space science, astronomy, physics, or geology, but is also of interest to the well-informed layman. Topics include why we should study Mars, how the Viking spacecraft works, the winds of Mars, the…

  6. Credit risk assessment: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-08-01

    Full Text Available Measuring different risk factors such as credit risk in banking industry has been an interesting area of studies. The artificial neural network is a nonparametric method developed to succeed for measuring credit risk and this method is applied to measure the credit risk. This research’s neural network follows back propagation paradigm, which enables it to use historical data for predicting future values with very good out of sample fitting. Macroeconomic variables including GDP, exchange rate, inflation rate, stock price index, and M2 are used to forecast credit risk for two Iranian banks; namely Saderat and Sarmayeh over the period 2007-2011. Research data are being tested for ADF and Causality Granger tests before entering the ANN to achieve the best lag structure for the research model. MSE and R values for the developed ANN in this research respectively are 86×〖10〗^(-4 and 0.9885, respectively. The results showed that ANN was able to predict banks’ credit risk with low error. Sensibility analyses which has accomplished on this research’s ANN corroborates that M2 has the highest effect on the ANN’s credit risk and should be considered as an additional leading indicator by Iran’s banking authorities. These matters confirm validation of macroeconomic notions in Iran’s credit systematic risk.

  7. Mars Atmosphere Resource Verification INsitu (MARVIN) - In Situ Resource Demonstration for the Mars 2020 Mission

    Science.gov (United States)

    Sanders, Gerald B.; Araghi, Koorosh; Ess, Kim M.; Valencia, Lisa M.; Muscatello, Anthony C.; Calle, Carlos I.; Clark, Larry; Iacomini, Christie

    2014-01-01

    The making of oxygen from resources in the Martian atmosphere, known as In Situ Resource Utilization (ISRU), has the potential to provide substantial benefits for future robotic and human exploration. In particular, the ability to produce oxygen on Mars for use in propulsion, life support, and power systems can provide significant mission benefits such as a reducing launch mass, lander size, and mission and crew risk. To advance ISRU for possible incorporation into future human missions to Mars, NASA proposed including an ISRU instrument on the Mars 2020 rover mission, through an announcement of opportunity (AO). The purpose of the the Mars Atmosphere Resource Verification INsitu or (MARVIN) instrument is to provide the first demonstration on Mars of oxygen production from acquired and stored Martian atmospheric carbon dioxide, as well as take measurements of atmospheric pressure and temperature, and of suspended dust particle sizes and amounts entrained in collected atmosphere gases at different times of the Mars day and year. The hardware performance and environmental data obtained will be critical for future ISRU systems that will reduce the mass of propellants and other consumables launched from Earth for robotic and human exploration, for better understanding of Mars dust and mitigation techniques to improve crew safety, and to help further define Mars global circulation models and better understand the regional atmospheric dynamics on Mars. The technologies selected for MARVIN are also scalable for future robotic sample return and human missions to Mars using ISRU.

  8. WHAT INFLUENCE CREDIT CARD DEBTS IN YOUNG CONSUMERS IN MALAYSIA

    OpenAIRE

    Syed Shah ALAM; Ruzita Abdul RAHIM; Ridhwanul HAQ; Atiqur Rahman KHAN

    2014-01-01

    This paper examines empirically antecedents of the credit card debts in young consumers in Malaysia. We examine whether easy access to credit card, credit card related knowledge, aggressive promotion by credit card industry, low minimum payment requirement and attitude towards credit cards influence credit card debts in the younger generation. Regression model was used to meet the objectives. These findings based on a sample of 240 young credit card holders, show that the factors that affect ...

  9. All new custom path photo book creation

    Science.gov (United States)

    Wang, Wiley; Muzzolini, Russ

    2012-03-01

    In this paper, we present an all new custom path to allow consumers to have full control to their photos and the format of their books, while providing them with guidance to make their creation fast and easy. The users can choose to fully automate the initial creation, and then customize every page. The system manage many design themes along with numerous design elements, such as layouts, backgrounds, embellishments and pattern bands. The users can also utilize photos from multiple sources including their computers, Shutterfly accounts, Shutterfly Share sites and Facebook. The users can also use a photo as background, add, move and resize photos and text - putting what they want where they want instead of being confined to templates. The new path allows users to add embellishments anywhere in the book, and the high-performance platform can support up to 1,000 photos per book and up to 25 pictures per page. The path offers either Smart Autofill or Storyboard features allowing customers to populate their books with photos so they can add captions and customize the pages.

  10. MARS-OZ - A Design for a Simulated Mars Base in the Australian Outback

    Science.gov (United States)

    Willson, D.; Clarke, J. D. A.; Murphy, G.

    Mars Society Australia has developed the design of a simulated Mars base, MARS-OZ, for deployment in outback Australia. MARS-OZ will provide a platform for a diverse range of Mars analogue research in Australia. The simulated base consists of two mobile modules whose dimensions and shape approximate those of horizontally landed bent biconic spacecraft described in an earlier paper. The modules are designed to support field engineering, robotics, architectural, geological, biological and human factors research at varying levels of simulation fidelity. Non-Mars related research can also be accommodated, for example general field geology and biology, and engineering research associated with sustainable, low impact architecture. Crews of up to eight can be accommodated. In addition to its research function, the base also will serve as a centre of space education and outreach activities. The prime site for the MARS-OZ simulated base is located in the northern Flinders Ranges near Arkaroola in South Australia. This region contains many features that provide useful scientific analogues to known or possible past and present conditions on Mars from both a geological and biological perspective. The features will provide a wealth of study opportunities for crews. The very diverse terrain and regolith materials will provide ideal opportunities to field trial a range of equipment, sensors and exploration strategies. If needed, the prime site can be secured from casual visitors, allowing research into human interaction in isolation. Despite its relative isolation, the site is readily accessible by road and air from major Australian centres. This paper provides description of the configuration, design and construction of the proposed facility, its interior layout, equipment and systems fitouts, a detailed cost estimate, and its deployment. We estimate that the deployment of MARS-OZ could occur within nine months of securing funding.

  11. Zika-Virus-Related Photo Sharing on Pinterest and Instagram.

    Science.gov (United States)

    Fung, Isaac Chun-Hai; Blankenship, Elizabeth B; Goff, M Elizabeth; Mullican, Lindsay A; Chan, Kwun Cheung; Saroha, Nitin; Duke, Carmen H; Eremeeva, Marina E; Fu, King-Wa; Tse, Zion Tsz Ho

    2017-12-01

    Pinterest (San Francisco, CA) and Instagram (Menlo Park, CA) are 2 popular photo-sharing social media platforms among young individuals. We assessed differences between Instagram and Pinterest in relaying photographic information regarding Zika virus. Specifically, we investigated whether the percentage of Zika-virus-related photos with Spanish or Portuguese texts embedded therein was higher for Instagram than for Pinterest and whether the contents of Zika-virus-related photos shared on Pinterest were different from those shared on Instagram. We retrieved and manually coded 616 Pinterest (key words: "zika" AND "virus") and 616 Instagram (hashtag: #zikavirus) photos. Among the manually coded samples, 47% (290/616) of Pinterest photos and 23% (144/616) of Instagram photos were relevant to Zika virus. Words were embedded in 57% (164/290) of relevant Pinterest photos and all 144 relevant Instagram photos. Among the photos with embedded words, photos in Spanish or Portuguese were more prevalent on Instagram (77/144, 53%) than on Pinterest (14/164, 9%). There were more Zika-virus-related photos on Instagram than on Pinterest pertinent to Zika virus prevention (59/144, 41%, versus 41/290, 14%; PInstagram are similar platforms for Zika virus prevention communication. (Disaster Med Public Health Preparedness. 2017;11:656-659).

  12. Correlates of credit card ownership in men and women.

    Science.gov (United States)

    Yang, Bijou; Lester, David

    2005-06-01

    In a sample of 352 students, correlates of credit card ownership differed by sex. For both men and women, credit card ownership was predicted by their affective attitude toward credit cards. However, whereas for men concern with money as a tactic for gaining power predicted credit card ownership, for women feelings of insecurity about having sufficient money and having a conservative approach to money predicted credit card ownership.

  13. Participatory Surveillance and Photo Sharing Practices

    DEFF Research Database (Denmark)

    Albrechtslund, Anders; Damkjaer, Maja Sonne; Bøge, Ask Risom

    2019-01-01

    -material perspective on photo-sharing practices. Information, Communication & Society, 19(4), 475–488. Sontag, S. (1977). On Photography. Picador. Steeves, V., & Jones, O. (2010). Editorial: Surveillance, Children and Childhood. Surveillance & Society, 7(3/4), 187–191....... that parents do not generally plan to store or organize their photos, and even less their children’s photos. This seems to indicate a shift from a pre-digital perception of photos as objects to be packaged, accumulated, framed etc. which can age and disappear (see Sontag, 1977) to something perceived less....... References: Albrechtslund, A. (2008). Online Social Networking as Participatory Surveillance. First Monday, 13(3). Fotel, T., & Thomsen, T. U. (2002). The Surveillance of Children’s Mobility. Surveillance & Society, 1(4), 535-554. Lobinger, K. (2016). Photographs as things–photographs of things. A texto...

  14. The New Mars Synthesis: A New Concept Of Mars Geo-Chemical History

    Science.gov (United States)

    Brandenburg, J. E.

    2005-02-01

    A new concept of Mars climatic and geo-chemical evolution is proposed, called the NMS (New Mars Synthesis) drawing on the full spectrum of available Mars data. The proposed synthesis is that Mars and Earth, having begun with similar surface conditions, did not strongly diverge from their similar paths 4.0 Billion years ago, in the Early Noachian, instead, under the NMS, they diverged much more recently in geologic time, in the Early Amazonian. Under the NMS, biology strongly affected the geo-chemical evolution of Mars, and allowed a stable and persistent greenhouse by producing a large oxygen component in the atmosphere. The NMS assumes Mars held biology form early on, has been geologically active throughout its history, that it had a northern paleo-ocean, that it has high, approximately, 4xLunar, cratering rates and that its climate changed recently in geologic time from being basically terrestrial to its present conditions. The proposed mechanism for the stability of the Mars greenhouse was a large oxygen component in the atmosphere that created acidic and highly oxidized conditions that prevented formation of Carbonates, and the thermal and gas buffering of the paleo-ocean. The greenhouse was thus biologically and hydrologically stabilized. The greenhouse was terminated by a large atmospheric cooling event in the Early Amazonian that killed the biosphere and froze the ocean stabilizing the greenhouse. This cooling event was probably caused by the formation of the Lyot impact basin. Given the long duration of this terrestrial biosphere in this NMS, the possible appearance of fossils in some rover images is not to be unexpected and the colonization of Mars by humanity may be aided extensive fossil biomass to use as raw material.

  15. Influence of radiation on photo-electric characteristics of silicon photo cells with optical coverings

    International Nuclear Information System (INIS)

    Madatov, R.S.; Safarov, N.A.; Gasymova, V.G.; Abdurragimov, A.A.; Allahverdiev, A.M.

    2003-01-01

    In the given work results of measurements volt-ampere and spectral characteristics of silicon photo cells with optical coverings ZnS+Nd 2 O 3 irradiated accelerated electrons with energy 4.5 MeV are carried out. Elements have been made by diffusion of phosphorus in p-silicon with specific resistance 2 Ω·cm. Under condition of illumination from source AMI the photocurrent of short circuit made 40 mA/cm 2 , and a photo voltage of idling 0.52 V, efficiency made 15 %. To receive low reflection in wide area of spectral sensitivity and by that as much as possible to increase efficiency of elements with the help of two-layer coverings. The irradiation of samples was made on linear accelerator EL4-6 at room temperature. It is received, that with increase in a dose of an irradiation the Photocurrent and photo voltage decreases, and speed reduction of a photo-current is stronger, than photo voltage. The critical integrated stream for these elements makes 4·10 12 el/cm 2 . In all researched samples radiating reduction of a voltage of idling in an interval of 10 10 -10 14 el/cm 2 makes 8-10 %. The analysis of spectral characteristics of the irradiated samples show, that reduction of a photocurrent in long-wave areas of a spectrum is connected by creation of radiating defects in a base part of an element. The increase in a critical stream in silicon solar elements with optical a covering in comparison with elements without a covering is connected with low concentration of defects in the base, created with electron. Thus, on the basis of complex research of influence on radiating stability silicon solar elements us it is established, that two-layer coverings not only increases efficiency of photo cells, but also considerably raise value of an integrated stream electrons, that is equivalent to increase in service life of the elements working in conditions of radiation

  16. Mars - The relationship of robotic and human elements in the IAA International Exploration of Mars study

    Science.gov (United States)

    Marov, Mikhail YA.; Duke, Michael B.

    1993-01-01

    The roles of human and robotic missions in Mars exploration are defined in the context of the short- and long-term Mars programs. In particular, it is noted that the currently implemented and planned missions to Mars can be regarded as robotic precursor missions to human exploration. Attention is given to factors that must be considered in formulating the rationale for human flights to Mars and future human Mars settlements and justifying costly projects.

  17. Credit risk identification and suggestions of electricity market

    Science.gov (United States)

    He, Chuan; Wang, Haichao; Chen, Zhongyuan; Hao, Yuxing; Jiang, Hailong; Qian, Hanhan; Wang, Meibao

    2018-03-01

    The power industry has a long history of credit problems, and the power industry has credit problems such as power users defaulting on electricity bills before the new electricity reform. With the reform of the power system, the credit problems in the power industry will be more complicated. How to effectively avoid the risk factors existing in the course of market operation and how to safeguard the fairness and standardization of market operation is an urgent problem to be solved. This paper first describes the credit risk in power market, and analyzes the components of credit risk identification in power market, puts forward suggestions on power market risk management.

  18. Standardization of Social Credit System Initiated in China

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    @@ Introduction The current government advances that the order of market economy should be standardized and the social credit system of market economy in modern times should be established and completed. The social credit system should be formed on the basis of property right, supported by moral and high consciousness of social credit. Therefore, the basic framework and operation mechanism of the standards system for social credit will be established in 5 years in China in order to make standards play an important role in a regular market and the aspect of credit management, to improve administration's compliance with the regulation, and to facilitate the market economic order.

  19. Credit counseling: a substitute for consumer financial literacy?

    OpenAIRE

    Disney, Richard; Gathergood, John; Weber, Jörg

    2015-01-01

    Is financial literacy a substitute or complement for financial advice? In this paper we analyze the decision by consumers to seek financial advice in the form of credit counseling concerning their credit and debt. Credit counseling is an important component of the consumer credit sector for consumers facing debt problems. We combine instrumental variable approaches to account for the endogeneity of an individual’s financial situation to financial literacy, and the endogeneity of financial lit...

  20. Guidelines for 2007 MARS exercise

    CERN Multimedia

    HR Department

    2007-01-01

    Following the introduction of the new Merit Appraisal and Recognition Scheme (MARS), full details of the scheme are now available via the HR Department's homepage or directly on the Department's MARS web page: in English: http://humanresources.web.cern.ch/HumanResources/internal/personnel/pmd/cr/MARS.asp or French: http://humanresources.web.cern.ch/humanresources/internal/personnel/pmd/cr/mars_fr.asp You will find on this page: 'Introduction to MARS' with detailed information presented in Frequently Asked Questions; these include the MARS timetable for proposals and decisions; 'Regulations' with links to the scheme's statutory documents; 'Procedures and Forms' and 'Useful Information' with links to all the relevant documentation; these include the mandates of the Senior Staff Advisory Committee (SSAC) and the Technical Engineers and Administrative Careers Committee (TEACC). HR Department Tel. 73566

  1. Mars Array Technology Experiment Developed to Test Solar Arrays on Mars

    Science.gov (United States)

    Landis, Geoffrey A.

    2001-01-01

    Solar arrays will be the power supply for future missions to the planet Mars, including landers, rovers, and eventually human missions to explore the Martian surface. Until Mars Pathfinder landed in July 1997, no solar array had been used on the surface. The MATE package is intended to measure the solar energy reaching the surface, characterize the Martian environment to gather the baseline information required for designing power systems for long-duration missions, and to quantify the performance and degradation of advanced solar cells on the Martian surface. To measure the properties of sunlight reaching the Martian surface, MATE incorporates two radiometers and a visible/NIR spectrometer. The radiometers consist of multiple thermocouple junctions using thin-film technology. These devices generate a voltage proportional to the solar intensity. One radiometer measures the global broadband solar intensity, including both the direct and scattered sunlight, with a field of view of approximately 130. The second radiometer incorporates a slit to measure the direct (unscattered) intensity radiation. The direct radiometer can only be read once per day, with the Sun passing over the slit. The spectrometer measures the global solar spectrum with two 256-element photodiode arrays, one Si sensitive in the visible range (300 to 1100 nm), and a second InGaAs sensitive to the near infrared (900 to 1700 nm). This range covers 86 percent of the total energy from the Sun, with approximately 5-nm resolution. Each photodiode array has its own fiber-optic feed and grating. Although the purpose of the MATE is to gather data useful in designing solar arrays for Mars surface power systems, the radiometer and spectrometer measurements are expected to also provide important scientific data for characterizing the properties of suspended atmospheric dust. In addition to measuring the solar environment of Mars, MATE will measure the performance of five different individual solar cell types

  2. Models for assessing and managing credit risk

    Directory of Open Access Journals (Sweden)

    Neogradi Slađana

    2014-01-01

    Full Text Available This essay deals with the definition of a model for assessing and managing credit risk. Risk is an inseparable component of any average and normal credit transaction. Looking at the different aspects of the identification and classification of risk in the banking industry as well as representation of the key components of modern risk management. In the first part of the essay will analyze how the impact of credit risk on bank and empirical models for determining the financial difficulties in which the company can be found. Bank on the basis of these models can reduce number of approved risk assets. In the second part, we consider models for improving credit risk with emphasis on Basel I, II and III, and the third part, we conclude that the most appropriate model and gives the best effect for measuring credit risk in domestic banks.

  3. Sovereign Credit Risk, Liquidity and ECB Intervention

    DEFF Research Database (Denmark)

    Pelizzon, Loriana; Subrahmanyam, Marti G.; Tomio, Davide

    This paper explores the interaction between credit risk and liquidity, in the context of the intervention by the European Central Bank (ECB), during the Euro-zone crisis. The laboratory for our investigation is the Italian sovereign bond market, the largest in the Euro-zone. We use a unique data...... between changes in Italian sovereign credit risk and liquidity in the secondary bond market, conditional on the level of credit risk, measured by the Italian sovereign credit default swap (CDS) spread. We demonstrate the existence of a threshold of 500 basis points (bp) in the CDS spread, above which...... there is a structural change in this relationship. Other global systemic factors also a ffect market liquidity, but the speci c credit risk of primary dealers plays only a modest role in a ffecting market liquidity, especially under conditions of stress. Moreover, the data indicate that there is a clear structural...

  4. Mars Pathfinder

    Science.gov (United States)

    Murdin, P.

    2000-11-01

    First of NASA's Discovery missions. Launched in December 1996 and arrived at Mars on 4 July 1997. Mainly intended as a technology demonstration mission. Used airbags to cushion the landing on Mars. The Carl Sagan Memorial station returned images of an ancient flood plain in Ares Vallis. The 10 kg Sojourner rover used an x-ray spectrometer to study the composition of rocks and travelled about 100 ...

  5. 12 CFR 1400.1 - Farm Credit System Insurance Corporation.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Farm Credit System Insurance Corporation. 1400.1 Section 1400.1 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.1 Farm Credit System Insurance Corporation. The Farm Credit...

  6. Phenomena and parameters important to burnup credit

    International Nuclear Information System (INIS)

    Parks, C.V.; Dehart, M.D.; Wagner, J.C.

    2001-01-01

    Since the mid-1980s, a significant number of studies have been directed at understanding the phenomena and parameters important to implementation of burnup credit in out-of-reactor applications involving pressurized-water- reactor (PWR) spent fuel. The efforts directed at burnup credit involving boiling-water-reactor (BWR) spent fuel have been more limited. This paper reviews the knowledge and experience gained from work performed in the United States and other countries in the study of burnup credit. Relevant physics and analysis phenomenon are identified, and an assessment of their importance to burnup credit implementation for transport and dry cask storage is given. (author)

  7. Development of Consumer Credit Laws in Malaysia

    OpenAIRE

    Rahman, Ahmad Saufi Abdul

    2007-01-01

    Consumer Credit is a branch of Commercial Law, which has been developing in recent years inMalaysia. The purpose of this paper is to summarize the latest amendments in the consumer credit laws inMalaysia and to highlight its significance. The discussion will be limited to the three most important laws ofconsumer credit in Malaysia: the hire-purchase, money lending and pawn broking laws.

  8. Guidelines for the 2011 MARS exercise

    CERN Multimedia

    HR Department

    2011-01-01

    Full details of the Merit Appraisal and Recognition Scheme (MARS) are available via the HR Department’s homepage or directly on the Department’s MARS web page: https://admin-eguide.web.cern.ch/admin-eguide/mars/mars.asp You will find on these pages: MARS procedures, including the MARS timetable for proposals and decisions; regulations with links to the scheme’s statutory basis; a list of frequently asked questions; useful documents with links to relevant documentation, e.g. mandate of the Senior Staff Advisory Committee (SSAC); and related links and contacts. Tel. 70674 / 72728  

  9. 20 CFR 606.23 - Avoidance of tax credit reduction.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Avoidance of tax credit reduction. 606.23 Section 606.23 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR TAX CREDITS... Tax Credit Reduction § 606.23 Avoidance of tax credit reduction. (a) Applicability. Subsection (g) of...

  10. 20 CFR 606.20 - Cap on tax credit reduction.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Cap on tax credit reduction. 606.20 Section 606.20 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR TAX CREDITS... Tax Credit Reduction § 606.20 Cap on tax credit reduction. (a) Applicability. Subsection (f) of...

  11. Unified Photo Enhancement by Discovering Aesthetic Communities From Flickr.

    Science.gov (United States)

    Hong, Richang; Zhang, Luming; Tao, Dacheng

    2016-03-01

    Photo enhancement refers to the process of increasing the aesthetic appeal of a photo, such as changing the photo aspect ratio and spatial recomposition. It is a widely used technique in the printing industry, graphic design, and cinematography. In this paper, we propose a unified and socially aware photo enhancement framework which can leverage the experience of photographers with various aesthetic topics (e.g., portrait and landscape). We focus on photos from the image hosting site Flickr, which has 87 million users and to which more than 3.5 million photos are uploaded daily. First, a tagwise regularized topic model is proposed to describe the aesthetic topic of each Flickr user, and coherent and interpretable topics are discovered by leveraging both the visual features and tags of photos. Next, a graph is constructed to describe the similarities in aesthetic topics between the users. Noticeably, densely connected users have similar aesthetic topics, which are categorized into different communities by a dense subgraph mining algorithm. Finally, a probabilistic model is exploited to enhance the aesthetic attractiveness of a test photo by leveraging the photographic experiences of Flickr users from the corresponding communities of that photo. Paired-comparison-based user studies show that our method performs competitively on photo retargeting and recomposition. Moreover, our approach accurately detects aesthetic communities in a photo set crawled from nearly 100000 Flickr users.

  12. Terrestrial Analogs to Mars

    Science.gov (United States)

    Farr, T. G.; Arcone, S.; Arvidson, R. W.; Baker, V.; Barlow, N. G.; Beaty, D.; Bell, M. S.; Blankenship, D. D.; Bridges, N.; Briggs, G.; Bulmer, M.; Carsey, F.; Clifford, S. M.; Craddock, R. A.; Dickerson, P. W.; Duxbury, N.; Galford, G. L.; Garvin, J.; Grant, J.; Green, J. R.; Gregg, T. K. P.; Guinness, E.; Hansen, V. L.; Hecht, M. H.; Holt, J.; Howard, A.; Keszthelyi, L. P.; Lee, P.; Lanagan, P. D.; Lentz, R. C. F.; Leverington, D. W.; Marinangeli, L.; Moersch, J. E.; Morris-Smith, P. A.; Mouginis-Mark, P.; Olhoeft, G. R.; Ori, G. G.; Paillou, P.; Reilly, J. F., II; Rice, J. W., Jr.; Robinson, C. A.; Sheridan, M.; Snook, K.; Thomson, B. J.; Watson, K.; Williams, K.; Yoshikawa, K.

    2002-08-01

    It is well recognized that interpretations of Mars must begin with the Earth as a reference. The most successful comparisons have focused on understanding geologic processes on the Earth well enough to extrapolate to Mars' environment. Several facets of terrestrial analog studies have been pursued and are continuing. These studies include field workshops, characterization of terrestrial analog sites, instrument tests, laboratory measurements (including analysis of Martian meteorites), and computer and laboratory modeling. The combination of all these activities allows scientists to constrain the processes operating in specific terrestrial environments and extrapolate how similar processes could affect Mars. The Terrestrial Analogs for Mars Community Panel has considered the following two key questions: (1) How do terrestrial analog studies tie in to the Mars Exploration Payload Assessment Group science questions about life, past climate, and geologic evolution of Mars, and (2) How can future instrumentation be used to address these questions. The panel has considered the issues of data collection, value of field workshops, data archiving, laboratory measurements and modeling, human exploration issues, association with other areas of solar system exploration, and education and public outreach activities.

  13. Implied Materiality and Material Disclosures of Credit Ratings

    OpenAIRE

    Eccles, Robert G; Youmans, Timothy John

    2015-01-01

    This first of three papers in our series on materiality in credit ratings will examine the materiality of credit ratings from an “implied materiality” and governance disclosure perspective. In the second paper, we will explore the materiality of environmental, social, and governance (ESG) factors in credit ratings’ methodologies and introduce the concept of “layered materiality.” In the third paper, we will evaluate current and potential credit rating agency (CRA) business models based on our...

  14. Photo-dynamics of the lyophilized photo-activated adenylate cyclase NgPAC2 from the amoeboflagellate Naegleria gruberi NEG-M strain

    Energy Technology Data Exchange (ETDEWEB)

    Penzkofer, A., E-mail: alfons.penzkofer@physik.uni-regensburg.de [Fakultät für Physik, Universität Regensburg, Universitätsstrasse 31, D-93053 Regensburg (Germany); Tanwar, M.; Veetil, S.K.; Kateriya, S. [Department of Biochemistry, University of Delhi South Campus, Benito Juarez Road, New Delhi 110021 (India); Stierl, M.; Hegemann, P. [Institut für Biologie/Experimentelle Biophysik, Humboldt Universität zu Berlin, Invalidenstrasse 42, D-10115 Berlin (Germany)

    2013-09-23

    Highlights: • Lyophilizing of NgPAC2 from Naegleria gruberi caused loss of BLUF domain activity. • Photo-induced tyrosine to flavin electron transfer in lyophilized NgPAC2. • Photo-induced Tyr–Tyr cross-linking to o,o′-dityrosine in lyophilized NgPAC2. • Photo-induced partial flavin cofactor reduction in lyophilized NgPAC2. • Two NgPAC2 conformations with fast and slow photo-induced electron transfer. - Abstract: The absorption and emission spectroscopic behavior of lyophilized photo-activated adenylate cyclase NgPAC2 from the amoeboflagellate Naegleria gruberi NEG-M strain consisting of a BLUF domain (BLUF = Blue Light sensor Using Flavin) and a cyclase homology domain was studied in the dark, during blue-light exposure and after blue-light exposure at a temperature of 4 °C. The BLUF domain photo-cycle dynamics observed for snap-frozen NgPAC2 was lost by lyophilization (no signaling state formation with flavin absorption red-shift). Instead, blue-light photo-excitation of lyophilized NgPAC2 caused sterically restricted Tyr–Tyr cross-linking (o,o′-ditysosine formation) and partial flavin cofactor reduction.

  15. Photo-dynamics of the lyophilized photo-activated adenylate cyclase NgPAC2 from the amoeboflagellate Naegleria gruberi NEG-M strain

    International Nuclear Information System (INIS)

    Penzkofer, A.; Tanwar, M.; Veetil, S.K.; Kateriya, S.; Stierl, M.; Hegemann, P.

    2013-01-01

    Highlights: • Lyophilizing of NgPAC2 from Naegleria gruberi caused loss of BLUF domain activity. • Photo-induced tyrosine to flavin electron transfer in lyophilized NgPAC2. • Photo-induced Tyr–Tyr cross-linking to o,o′-dityrosine in lyophilized NgPAC2. • Photo-induced partial flavin cofactor reduction in lyophilized NgPAC2. • Two NgPAC2 conformations with fast and slow photo-induced electron transfer. - Abstract: The absorption and emission spectroscopic behavior of lyophilized photo-activated adenylate cyclase NgPAC2 from the amoeboflagellate Naegleria gruberi NEG-M strain consisting of a BLUF domain (BLUF = Blue Light sensor Using Flavin) and a cyclase homology domain was studied in the dark, during blue-light exposure and after blue-light exposure at a temperature of 4 °C. The BLUF domain photo-cycle dynamics observed for snap-frozen NgPAC2 was lost by lyophilization (no signaling state formation with flavin absorption red-shift). Instead, blue-light photo-excitation of lyophilized NgPAC2 caused sterically restricted Tyr–Tyr cross-linking (o,o′-ditysosine formation) and partial flavin cofactor reduction

  16. A Macroeconomic Model of Credit Risk in Uruguay

    Directory of Open Access Journals (Sweden)

    Gabriel Illanes

    Full Text Available In this paper we evaluate credit risk of the economy as a whole, aiming at the study of the financial stability. This analysis uses as proxy the credit granted by the banking system. We use a non-linear parametric model based on Merton's structural framework for the analysis of the risk associated to a loan portfolio. In this model, default occurs when the return of an economic agent falls under certain threshold which depends on different macroeconomic variables. We use this model to assess the credit risk module in stress tests for the local banking system. We also estimate the "elasticities" of credit categories correspondig to corporate credit and consumer credit, both in national currency and american dollars. We obtain the parameters for the model using maximum likelihood, where the likelihood function contains a random latent factor which is assumed to follow a normal distribution.

  17. CREDIT RISK MINIMIZATION WAYS AND PRICING OF BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    V. E. Gladkova

    2011-01-01

    Full Text Available Accurate accounting of own expenses on rendering banking services and forming reasonable prices for them make it possible for commercial banks to adequately react to market situation changes. Credit risk minimization comprises: credit rationing (in Russia according to RF Central Bank norms; credit diversification; credit structuring; and forming reserves to cover respective bank risks (also in accordance with RF CB documents. Effective is bank credit hedging (insuring through credit derivatives. Most advanced at international finance markets are such risk minimization systems as Basel-II and IRBA. Pricing models based on individual assessment of each borrower’s risk class (Risk Based Pricing approach are widely used.

  18. Emission credits : what are they worth?

    International Nuclear Information System (INIS)

    Wilman, E.A.

    2003-01-01

    The current cost of making a carbon transaction was discussed with particular reference to a time-line when emissions trading will become more cost-effective and streamlined for quicker results. This paper described how companies are dealing with the risk of emissions trading in terms of pricing and the expected financial impacts of owning a new commodity. The incorporation of emissions credits and trading activities into a company's balance sheet was also described in terms of how banks will consider a company's credit when calculating their loan potential. It was noted that some credits will be valued higher than others based on their historical background. The financial impact that credits have on company assets was addressed in terms of measuring reputation management. The importance of developing a financial plan for effective management was emphasized in terms of evaluating emissions reduction projects and future options. 17 refs., 2 figs

  19. Electron cyclotron resonance plasma photos

    Energy Technology Data Exchange (ETDEWEB)

    Racz, R.; Palinkas, J. [Institute of Nuclear Research (ATOMKI), H-4026 Debrecen, Bem ter 18/c (Hungary); University of Debrecen, H-4010 Debrecen, Egyetem ter 1 (Hungary); Biri, S. [Institute of Nuclear Research (ATOMKI), H-4026 Debrecen, Bem ter 18/c (Hungary)

    2010-02-15

    In order to observe and study systematically the plasma of electron cyclotron resonance (ECR) ion sources (ECRIS) we made a high number of high-resolution visible light plasma photos and movies in the ATOMKI ECRIS Laboratory. This required building the ECR ion source into an open ECR plasma device, temporarily. An 8MP digital camera was used to record photos of plasmas made from Ne, Ar, and Kr gases and from their mixtures. We studied and recorded the effect of ion source setting parameters (gas pressure, gas composition, magnetic field, and microwave power) to the shape, color, and structure of the plasma. The analysis of the photo series gave us many qualitative and numerous valuable physical information on the nature of ECR plasmas.

  20. Electron cyclotron resonance plasma photos

    International Nuclear Information System (INIS)

    Racz, R.; Palinkas, J.; Biri, S.

    2010-01-01

    In order to observe and study systematically the plasma of electron cyclotron resonance (ECR) ion sources (ECRIS) we made a high number of high-resolution visible light plasma photos and movies in the ATOMKI ECRIS Laboratory. This required building the ECR ion source into an open ECR plasma device, temporarily. An 8MP digital camera was used to record photos of plasmas made from Ne, Ar, and Kr gases and from their mixtures. We studied and recorded the effect of ion source setting parameters (gas pressure, gas composition, magnetic field, and microwave power) to the shape, color, and structure of the plasma. The analysis of the photo series gave us many qualitative and numerous valuable physical information on the nature of ECR plasmas.

  1. Problems of photo-radiative action

    International Nuclear Information System (INIS)

    Milinchuk, V.K.

    1985-01-01

    The most interesting photo-radiation effects observed in the last few years are discussed, in particular, considerable reduction ip material radiation resistance under the combined effect of ionizing and visible radiation. Intermediate active particles are shown to absorb the light according to the mechanism of ''direct'' absorption and as a result of photo-sensibilization reactions as well. Channels of absorbed light energy dissipation depend on the nature and structure of the intermediate active particles, temperature, light radiation frequency and other parameters. Problems are considered which solution promotes further development of photo-radiation chemistry and that are important for such branches of modern physical chemistry as kinetics and mechanism of elementary processes in organic solids, radiation resistance and ageing of organic polymers

  2. NEFSC Photo Gallery

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Photos of fish, marine mammals, turtles, ships, and other related subjects for use by students, educators, scientists, media, etc.

  3. 77 FR 8184 - Foreign Tax Credit Splitting Events

    Science.gov (United States)

    2012-02-14

    ... Foreign Tax Credit Splitting Events AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of... these proposed regulations. The regulations affect taxpayers claiming foreign tax credits. Special... of the Federal Register.] Sec. 1.909-6 Pre-2011 foreign tax credit splitting events. [The text of...

  4. Credit risk in emerging markets Peruvian listed company

    Directory of Open Access Journals (Sweden)

    Kurt Burneo Farfan

    2017-07-01

    Full Text Available The aim of this paper is to introduce the importance of the banking credit risk, the main elements that conform it and the main alternatives that are offered to access to a loan as well as a description of its measurement and management in the sector. There will be a general explanation of credit risk and the main parties involved in it. As the topic is developed it is going to be analyzed the lending process carried out by the banks as well as the quantitative and qualitative elements taken into account when taking a credit decision (The 5C’s of credit, credit scoring and models for quantification of losses for instance. Another thing to considerate is that Credit risk arises whenever a borrower is expecting to use future cash flows to pay a current debt. Also, the investors have the access for the information of a client and they are compensated for assuming credit risk by way of interest payments from the borrower or issuer of a debt obligation and the credit risk is a useful tool for the finance management. The Enterprise risk management in Peru changed in 2015 because the local regulator is in process to review the norm, including some aspects of corporate governance; these changes are not included in this research.

  5. Content-aware photo collage using circle packing.

    Science.gov (United States)

    Yu, Zongqiao; Lu, Lin; Guo, Yanwen; Fan, Rongfei; Liu, Mingming; Wang, Wenping

    2014-02-01

    In this paper, we present a novel approach for automatically creating the photo collage that assembles the interest regions of a given group of images naturally. Previous methods on photo collage are generally built upon a well-defined optimization framework, which computes all the geometric parameters and layer indices for input photos on the given canvas by optimizing a unified objective function. The complex nonlinear form of optimization function limits their scalability and efficiency. From the geometric point of view, we recast the generation of collage as a region partition problem such that each image is displayed in its corresponding region partitioned from the canvas. The core of this is an efficient power-diagram-based circle packing algorithm that arranges a series of circles assigned to input photos compactly in the given canvas. To favor important photos, the circles are associated with image importances determined by an image ranking process. A heuristic search process is developed to ensure that salient information of each photo is displayed in the polygonal area resulting from circle packing. With our new formulation, each factor influencing the state of a photo is optimized in an independent stage, and computation of the optimal states for neighboring photos are completely decoupled. This improves the scalability of collage results and ensures their diversity. We also devise a saliency-based image fusion scheme to generate seamless compositive collage. Our approach can generate the collages on nonrectangular canvases and supports interactive collage that allows the user to refine collage results according to his/her personal preferences. We conduct extensive experiments and show the superiority of our algorithm by comparing against previous methods.

  6. Tight gas sand tax credit yields opportunities

    International Nuclear Information System (INIS)

    Lewis, F.W.; Osburn, A.S.

    1991-01-01

    The U.S. Internal Revenue Service on Apr. 1, 1991, released the inflation adjustments used in the calculations of Non-Conventional Fuel Tax Credits for 1990. The inflation adjustment, 1.6730, when applied to the base price of $3/bbl of oil equivalent, adjusts the tax credit to $5.019/bbl for oil and 86.53 cents/MMBTU for gas. The conversion factor for equivalent fuels is 5.8 MMBTU/bbl. Unfortunately, the tax credit for tight formation gas continues to be unadjusted for inflation and remains 52 cents/MMBTU. As many producers are aware, the Omnibus Budget Reconciliation Act of 1990 expanded the dates of eligibility and the usage for-Non-Conventional Fuel Tax Credits. Among other provisions, eligible wells may be placed in service until Jan. 1, 1992, and once in place may utilize the credit for production through Dec. 31, 2002. Both dates are 2 year extensions from previous regulations

  7. Credit Spreads Across the Business Cycle

    DEFF Research Database (Denmark)

    Nielsen, Mads Stenbo

    This paper studies how corporate bond spreads vary with the business cycle. I show that both level and slope of empirical credit spread curves are correlated with the state of the economy, and I link this to variation in idiosyncratic jump risk. I develop a structural credit risk model...... that accounts for both business cycle and jump risk, and show by estimation that the model captures the counter-cyclical level and pro-cyclical slope of empirical credit spread curves. In addition, I provide a new procedure for estimation of idiosyncratic jump risk, which is consistent with observed shocks...

  8. Prefrontal system dysfunction and credit card debt.

    Science.gov (United States)

    Spinella, Marcello; Yang, Bijou; Lester, David

    2004-10-01

    Credit card use often involves a disadvantageous allocation of finances because they allow for spending beyond means and buying on impulse. Accordingly they are associated with increased bankruptcy, anxiety, stress, and health problems. Mounting evidence from functional neuroimaging and clinical studies implicates prefrontal-subcortical systems in processing financial information. This study examined the relationship of credit card debt and executive functions using the Frontal System Behavior Scale (FRSBE). After removing the influences of demographic variables (age, sex, education, and income), credit card debt was associated with the Executive Dysfunction scale, but not the Apathy or Disinhibition scales. This suggests that processes of conceptualizing and organizing finances are most relevant to credit card debt, and implicates dorsolateral prefrontal dysfunction.

  9. 24 CFR 232.570 - Endorsement of credit instrument.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Endorsement of credit instrument... of Fire Safety Equipment Eligible Security Instruments § 232.570 Endorsement of credit instrument. The Commissioner shall indicate his insurance of the loan by endorsing the credit instrument and...

  10. 26 CFR 31.3302(b)-1 - Additional credit against tax.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 15 2010-04-01 2010-04-01 false Additional credit against tax. 31.3302(b)-1... credit against tax. (a) In general. In addition to the credit against the tax allowable for contributions... credit allowable against the tax for such year shall be the aggregate of the additional credits allowable...

  11. Dual Credit/Dual Enrollment and Data Driven Policy Implementation

    Science.gov (United States)

    Lichtenberger, Eric; Witt, M. Allison; Blankenberger, Bob; Franklin, Doug

    2014-01-01

    The use of dual credit has been expanding rapidly. Dual credit is a college course taken by a high school student for which both college and high school credit is given. Previous studies provided limited quantitative evidence that dual credit/dual enrollment is directly connected to positive student outcomes. In this study, predictive statistics…

  12. The National Credit Act Regarding Suretyships and Reckless Lending

    African Journals Online (AJOL)

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

  13. 12 CFR 704.17 - State-chartered corporate credit unions.

    Science.gov (United States)

    2010-01-01

    ... provided under the laws of the state in which it was chartered. (b) A state-chartered corporate credit... 12 Banks and Banking 6 2010-01-01 2010-01-01 false State-chartered corporate credit unions. 704.17... CORPORATE CREDIT UNIONS § 704.17 State-chartered corporate credit unions. (a) This part does not expand the...

  14. Optimal advanced credit releases in ecosystem service markets.

    Science.gov (United States)

    BenDor, Todd K; Guo, Tianshu; Yates, Andrew J

    2014-03-01

    Ecosystem service markets are popular policy tools for ecosystem protection. Advanced credit releases are an important factor affecting the supply side of ecosystem markets. Under an advanced credit release policy, regulators give ecosystem suppliers a fraction of the total ecosystem credits generated by a restoration project before it is verified that the project actually achieves the required ecological thresholds. In spite of their prominent role in ecosystem markets, there is virtually no regulatory or research literature on the proper design of advanced credit release policies. Using U.S. aquatic ecosystem markets as an example, we develop a principal-agent model of the behavior of regulators and wetland/stream mitigation bankers to determine and explore the optimal degree of advance credit release. The model highlights the tension between regulators' desire to induce market participation, while at the same time ensuring that bankers successfully complete ecological restoration. Our findings suggest several simple guidelines for strengthening advanced credit release policy.

  15. Disposal criticality analysis methodology's principal isotope burnup credit

    International Nuclear Information System (INIS)

    Doering, T.W.; Thomas, D.A.

    2001-01-01

    This paper presents the burnup credit aspects of the United States Department of Energy Yucca Mountain Project's methodology for performing criticality analyses for commercial light-water-reactor fuel. The disposal burnup credit methodology uses a 'principal isotope' model, which takes credit for the reduced reactivity associated with the build-up of the primary principal actinides and fission products in irradiated fuel. Burnup credit is important to the disposal criticality analysis methodology and to the design of commercial fuel waste packages. The burnup credit methodology developed for disposal of irradiated commercial nuclear fuel can also be applied to storage and transportation of irradiated commercial nuclear fuel. For all applications a series of loading curves are developed using a best estimate methodology and depending on the application, an additional administrative safety margin may be applied. The burnup credit methodology better represents the 'true' reactivity of the irradiated fuel configuration, and hence the real safety margin, than do evaluations using the 'fresh fuel' assumption. (author)

  16. Low Cost Mars Surface Exploration: The Mars Tumbleweed

    Science.gov (United States)

    Antol, Jeffrey; Calhoun, Philip; Flick, John; Hajos, Gregory; Kolacinski, Richard; Minton, David; Owens, Rachel; Parker, Jennifer

    2003-01-01

    The "Mars Tumbleweed," a rover concept that would utilize surface winds for mobility, is being examined as a low cost complement to the current Mars exploration efforts. Tumbleweeds carrying microinstruments would be driven across the Martian landscape by wind, searching for areas of scientific interest. These rovers, relatively simple, inexpensive, and deployed in large numbers to maximize coverage of the Martian surface, would provide a broad scouting capability to identify specific sites for exploration by more complex rover and lander missions.

  17. Micro Credit and Gender: A Critical Assessment

    Directory of Open Access Journals (Sweden)

    Özlem BALKIZ

    2015-12-01

    Full Text Available Micro credit programs, which are based on lending money on interest and encouraging savings, have been first been used in Southern countries and are now being implemented worldwide. Mainly aimed at the rural poor, particularly poor women, micro credit programs seek to ensure sustainable economic development in line with the requirements of global capitalism and to include women in the productive activities of the market. Micro credit has been made institutionalized based on three main paradigms, namely financial sustainability, poverty alleviation and women’s empowerment. In micro credit programs, where the emphasis on women’s empowerment is strong, the lack of a social gender perspective is striking. In fact, women may face patriarchal pressure and restrictions at the start in access to loans, loan usage models, participation to the productive activities in the market and during loan repayment. Thus the allegation that by way of micro credit, women will be empowered in terms of economic, social and political means in the family and society becomes questionable. This article, by problematizing women’s relationship with micro credit, will discuss social gender relationships which prevent them from making use of these programs as they wish and from achieving the results they intend

  18. Modelling the predictive performance of credit scoring

    Directory of Open Access Journals (Sweden)

    Shi-Wei Shen

    2013-07-01

    Research purpose: The purpose of this empirical paper was to examine the predictive performance of credit scoring systems in Taiwan. Motivation for the study: Corporate lending remains a major business line for financial institutions. However, in light of the recent global financial crises, it has become extremely important for financial institutions to implement rigorous means of assessing clients seeking access to credit facilities. Research design, approach and method: Using a data sample of 10 349 observations drawn between 1992 and 2010, logistic regression models were utilised to examine the predictive performance of credit scoring systems. Main findings: A test of Goodness of fit demonstrated that credit scoring models that incorporated the Taiwan Corporate Credit Risk Index (TCRI, micro- and also macroeconomic variables possessed greater predictive power. This suggests that macroeconomic variables do have explanatory power for default credit risk. Practical/managerial implications: The originality in the study was that three models were developed to predict corporate firms’ defaults based on different microeconomic and macroeconomic factors such as the TCRI, asset growth rates, stock index and gross domestic product. Contribution/value-add: The study utilises different goodness of fits and receiver operator characteristics during the examination of the robustness of the predictive power of these factors.

  19. Visualizing Organic Textures and Biosignatures: Analysis of the Deep Biosphere, Meteorites, and Mars

    Science.gov (United States)

    Bhartia, R.

    2017-12-01

    Understanding life in the subsurface offers a unique understanding of how we can search for potential biosignatures on Mars. The spatial distri- bution of communities in this nutrient limited envi- ronment can be co-located with mineral facies, associ- ated to morphological features, or bound to zones of high potential energy. Comparing these organic textures to abotically driven processes in meteorites, when coupled to characterization of the organic con- tent, spatial relationships to mineralogical and ele- mental textures, and morphology will aid in our under- standing of the likely provenance of organics on Mars. Often we approach biosignatures detection with an earth-centric perspective where we assume that extant or ancient life leaves behind visible indicators; either as pigments used to absorb energy from the sun/radiation, protectant from UV radiation, or as veri- gated mineral facies that may persist in the rock rec- ord. Our analysis of subsurface life, a region that is decoupled from the photozone (decoupled from photo- synthesis) and/or exists in a nutrient limited environ- ment, has shown that we need to capitalize on a wider range of the electromagnetic spectrum over multiple spatial scales to understand where microbial life may exist, how they make a living, and how/if their signa- tures will persist geological time. Similar to the approach of the NAI Life Under- ground program, the Mars 2020 project includes a suite of instruments operating over the meter to micrometer scale that will observe the surface (and near subsur- face) of Mars from gamma rays to the IR - a range where minerals and organics reflect, absorb, and vi- brate. More specifically, the combined capabilities of both SHERLOC (a deep UV Raman/fluorescence spectrometer) and PIXL (an X-ray fluorescence spectrometer), spatial maps of organics minerals and elements will be correlated to morphology and textures to assess potential biosignatures. We present here our results of a spectral

  20. Search for Chemical Biomarkers on Mars Using the Sample Analysis at Mars Instrument Suite on the Mars Science Laboratory

    Science.gov (United States)

    Glavin, D. P.; Conrad, P.; Dworkin, J. P.; Eigenbrode, J.; Mahaffy, P. R.

    2011-01-01

    One key goal for the future exploration of Mars is the search for chemical biomarkers including complex organic compounds important in life on Earth. The Sample Analysis at Mars (SAM) instrument suite on the Mars Science Laboratory (MSL) will provide the most sensitive measurements of the organic composition of rocks and regolith samples ever carried out in situ on Mars. SAM consists of a gas chromatograph (GC), quadrupole mass spectrometer (QMS), and tunable laser spectrometer to measure volatiles in the atmosphere and released from rock powders heated up to 1000 C. The measurement of organics in solid samples will be accomplished by three experiments: (1) pyrolysis QMS to identify alkane fragments and simple aromatic compounds; pyrolysis GCMS to separate and identify complex mixtures of larger hydrocarbons; and (3) chemical derivatization and GCMS extract less volatile compounds including amino and carboxylic acids that are not detectable by the other two experiments.

  1. La Incidencia de las Normas de Protección Marítima en el Transporte Marítimo

    OpenAIRE

    Elizalde Monteagudo, Pedro Alfonso

    2012-01-01

    Actualmente, los participantes del transporte marítimo deben adoptar e implementar una serie de medidas de protección marítima para suprimir y combatir la piratería, el narcotráfico y el terrorismo marítimo. La presente investigación analiza los programas multilaterales y unilaterales de protección marítima, que deben cumplir los participantes del transporte marítimo internacional. El capítulo I menciona las diferencias entre la seguridad marítima y la protección marítima. Asimismo, este capí...

  2. Islamic Banking Existence and Domestic Credit: Study at Seven Countries

    Directory of Open Access Journals (Sweden)

    Hamdan Yuafi

    2017-05-01

    Full Text Available This paper empirically investigates the determinants of domestic credit across a wide range of 7 countries; these are United Kingdom, Malaysia, Egypt, Kuwait, Qatar, Bahrain and Indonesia. We use dynamic panel estimation to examine effects of exchange rate, inflation, lending interest rate, banking crisis and existence of wholesale Islamic banking on domestic credit. We obtain several notable empirical results. First, the lending interest rate, banking crisis negatively and insignificantly contribute to domestic credit. The existence of Islamic bank has positive and insignificant contribution to domestic credit, while exchange rate positively and significantly contributes to domestic credit.  Inflation negatively and significantly contributes to domestic credit. Second, banking crisis and existence of wholesale Islamic banking show insignificant effect on domestic credit. Third, we find that today’s domestic credit is depended on domestic credit in the previous year.DOI: 10.15408/aiq9i2.4906

  3. 76 FR 13896 - Equal Credit Opportunity

    Science.gov (United States)

    2011-03-15

    ... creditors disclose additional information on FCRA adverse action notices. Specifically, a person must... that a creditor obtained information from a consumer reporting agency. Consistent with section 1100F of... action would need to provide a credit score and information relating to that credit score to those...

  4. Tiebreaker: Certification and Multiple Credit Ratings

    NARCIS (Netherlands)

    D.G.J. Bongaerts (Dion); K.J.M. Cremers (Martijn); W.N. Goetzmann (William)

    2008-01-01

    textabstractAbstract: This paper explores the role played by multiple credit rating agencies (CRAs) in the market for corporate bonds. Moody’s, S&P and Fitch operate in a competitive setting with market demand for both credit information and the certification value of a high rating. We

  5. The Credit Hour and Public Budgeting.

    Science.gov (United States)

    Wellman, Jane V.

    2003-01-01

    Discusses the ways the credit hour has come to be used by public funding systems in higher education. The literature review shows that the credit hour has become a barrier to innovation and a way to create systemic inequities between institutions or sectors in resource allocation. (SLD)

  6. To what extent does banks' credit stimulate economic growth ...

    African Journals Online (AJOL)

    This study examines the extent to which banks' credit affects economic growth in Nigeria. The data used was collected from the Central Bank of Nigeria statistical bulletin for a period of 24 years from 1990 to 2013. We used credit to the private sector, credit to the public sector and inflation to proxy commercial bank credit ...

  7. 26 CFR 20.2012-1 - Credit for gift tax.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Credit for gift tax. 20.2012-1 Section 20.2012... TAXES ESTATE TAX; ESTATES OF DECEDENTS DYING AFTER AUGUST 16, 1954 Credits Against Tax § 20.2012-1 Credit for gift tax. (a) In general. With respect to gifts made before 1977, a credit is allowed under...

  8. A Political Approach of the Popular Credit: Pierre-Joseph Proudhon and the mutual credit

    OpenAIRE

    Cyrille Ferraton; David Vallat

    2011-01-01

    Pierre-Joseph Proudhon’s ideas on credit and money have been considered to be not very relevant and above all unrealistic. However, they have known an uncommon posterity. They influenced Silvio Gesell who is John Maynard Keynes’s reference. This article analyses Pierre-Joseph Proudhon’s exchange bank plan. We show that Pierre- Joseph Proudhon’s ideas on credit and money are opened to criticism but require a reexamination because we can draw many lessons from them.

  9. 26 CFR 1.50-1 - Restoration of credit.

    Science.gov (United States)

    2010-04-01

    ... Computing Credit for Investment in Certain Depreciable Property § 1.50-1 Restoration of credit. (a) In general. Section 49(a) (relating to termination of credit) does not apply to property— (1) The... new section 38 property in determining qualified investment only that portion of the basis which is...

  10. 49 CFR 260.17 - Credit risk premium analysis.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Credit risk premium analysis. 260.17 Section 260... Financial Assistance § 260.17 Credit risk premium analysis. (a) When Federal appropriations are not available to cover the total subsidy cost, the Administrator will determine the Credit Risk Premium...

  11. 77 FR 8127 - Foreign Tax Credit Splitting Events

    Science.gov (United States)

    2012-02-14

    ... Tax Credit Splitting Events AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final and... affect taxpayers claiming foreign tax credits. The text of the temporary regulations also serves as the... that if there is a foreign tax credit splitting event with respect to a foreign income tax paid or...

  12. 20 CFR 601.4 - Certification for tax credit.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Certification for tax credit. 601.4 Section 601.4 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR ADMINISTRATIVE... and Additional Tax Credit and Grant Purposes § 601.4 Certification for tax credit. (a) Within 30 days...

  13. Mars Orbiter Camera Views the 'Face on Mars' - Best View from Viking

    Science.gov (United States)

    1998-01-01

    Shortly after midnight Sunday morning (5 April 1998 12:39 AM PST), the Mars Orbiter Camera (MOC) on the Mars Global Surveyor (MGS) spacecraft successfully acquired a high resolution image of the 'Face on Mars' feature in the Cydonia region. The image was transmitted to Earth on Sunday, and retrieved from the mission computer data base Monday morning (6 April 1998). The image was processed at the Malin Space Science Systems (MSSS) facility 9:15 AM and the raw image immediately transferred to the Jet Propulsion Laboratory (JPL) for release to the Internet. The images shown here were subsequently processed at MSSS.The picture was acquired 375 seconds after the spacecraft's 220th close approach to Mars. At that time, the 'Face', located at approximately 40.8o N, 9.6o W, was 275 miles (444 km) from the spacecraft. The 'morning' sun was 25o above the horizon. The picture has a resolution of 14.1 feet (4.3 meters) per pixel, making it ten times higher resolution than the best previous image of the feature, which was taken by the Viking Mission in the mid-1970's. The full image covers an area 2.7 miles (4.4 km) wide and 25.7 miles (41.5 km) long.This Viking Orbiter image is one of the best Viking pictures of the area Cydonia where the 'Face' is located. Marked on the image are the 'footprint' of the high resolution (narrow angle) Mars Orbiter Camera image and the area seen in enlarged views (dashed box). See PIA01440-1442 for these images in raw and processed form.Malin Space Science Systems and the California Institute of Technology built the MOC using spare hardware from the Mars Observer mission. MSSS operates the camera from its facilities in San Diego, CA. The Jet Propulsion Laboratory's Mars Surveyor Operations Project operates the Mars Global Surveyor spacecraft with its industrial partner, Lockheed Martin Astronautics, from facilities in Pasadena, CA and Denver, CO.

  14. Consumer susceptibility to credit card misuse and indebtedness

    OpenAIRE

    Awanis, Sandra; Cui, Charles Chi

    2014-01-01

    Purpose – Prior research suggests that payment mechanisms are imbued with cues that affect purchase evaluation and future spending behavior. Credit cards are distinguished from other payment mechanisms as they elicit greater willingness to spend, prompt weaker recollections of past credit expenses and overvaluation of available funds – a phenomena the authors call as “credit card effect.� Little is known about the individuals’ differential exposure to the credit card effect. The pur...

  15. Kinetic study of photo-grafting and photo-cross-linking of a cis-poly butadiene onto cellulose from asymmetric membranes

    International Nuclear Information System (INIS)

    Zeni, M.; Riveros, R.; Schildt, R.

    1991-01-01

    Photochemical grafting onto cellulose and successive photo cross-linking of 2,00-12,00 mg.cm -2 of a cys-poly butadiene, containing 80% cis groups, were investigated kinetically at 30 0 C in the presence of 1,2-diphenyl-2,2-dimethoxy ethanone as a photo initiator to polymer varied between 0,070 and 1,115. Irradiations were carried out poly chromatically, in air or under a stream of nitrogen, with incident radiation of flux I of 2,1.10 -8 einstein.s -1 .cm -2 . In light of this information, the mechanism of photo-grafting and photo-cross linking of cis-poly-butadiene on cellulose surface is discussed. (author)

  16. Credit Risk Management in Chinese Banking Industry

    OpenAIRE

    Zhang, Lei

    2006-01-01

    Abstract Credit risk is by far the most important risk faced by banks, and it influences the bank profitability and its long-term operation significantly. Well management on credit risk can be a competitive advantage for banks in the competitive banking industry. Chinese banks suffer from serious financial fragility manifested by high proportions of NPLs and low capital adequacy ratios (Bonin and Huang, 2001). This dissertation examines the real credit performance of Chinese banks ba...

  17. Corporate financing and anticipated credit rating changes

    OpenAIRE

    Hung, Chi-Hsiou D.; Banerjee, Anurag; Meng, Qingrui

    2017-01-01

    Firm circumstances change but rating agencies may not make timely revisions to their\\ud ratings, increasing information asymmetry between firms and the market. We examine\\ud whether firms time the securities market before a credit rating agency publicly reveals\\ud its decision to downgrade a firm's credit rating. Using quarterly data, we show that\\ud firms adjust their financing structures before credit rating downgrades are publicly\\ud revealed. More specifically, firms on average increase t...

  18. Credit Constraints, Political Instability, and Capital Accumulation

    OpenAIRE

    Risto Herrala; Rima Turk-Ariss

    2013-01-01

    We investigate the complex interactions between credit constraints, political instability, and capital accumulation using a novel approach based on Kiyotaki and Moore’s (1997) theoretical framework. Drawing on a unique firm-level data set from Middle-East and North Africa (MENA), empirical findings point to a large and significant effect of credit conditions on capital accumulation and suggest that continued political unrest worsens credit constraints. The results support the view that financ...

  19. Transposition of the Mortgage Credit Directive into Hungarian and Czech law – The Problem of Credit Intermediaries

    Czech Academy of Sciences Publication Activity Database

    Simon, Rita

    2017-01-01

    Roč. 6, č. 3 (2017), s. 106-112 ISSN 2364-4710 Institutional support: RVO:68378122 Keywords : mortgage credit directive * consumer protection * credit intermediaries Subject RIV: AG - Legal Sciences OBOR OECD: Law https://www.kluwerlawonline.com/abstract.php?area=Journals&id=EuCML2017025

  20. 75 FR 81378 - Fiduciary Duties at Federal Credit Unions; Mergers and Conversions of Insured Credit Unions

    Science.gov (United States)

    2010-12-28

    ... NCUA's neutrality in the final rule and has made this change. A commenter also suggested including this..., where the net worth ratio of the merging credit union exceeds the net worth ratio of the continuing... are entitled to the net worth of a merging credit union. The NCUA Board disagrees. As discussed in the...

  1. Burnup credit activities being conducted in the United States

    International Nuclear Information System (INIS)

    Lake, W.

    1998-01-01

    The paper describes burnup credit activities being conducted in the U.S. where burnup credit is either being used or being planned to be used for storage, transport, and disposal of spent nuclear fuel. Currently approved uses of burnup credit are for wet storage of PWR fuel. For dry storage of spent PWR fuel, burnup credit is used to supplement a principle of moderator exclusion. These storage applications have been pursued by the private sector. The Department of Energy (DOE) which is an organization of the U.S. Federal government is seeking approval for burnup credit for transport and disposal applications. For transport of spent fuel, regulatory review of an actinide-only PWR burnup credit method is now being conducted. A request by DOE for regulatory review of actinide and fission product burnup credit for disposal of spent BWR and PWR fuel is scheduled to occur in 1998. (author)

  2. Capital Requirements and Credit Rationing

    OpenAIRE

    Itai Agur

    2010-01-01

    This paper analyzes the trade-off between financial stability and credit rationing that arises when increasing capital requirements. It extends the Stiglitz-Weiss model of credit rationing to allow for bank default. Bank capital structure then matters for lending incentives. With default and rationing endogenous, optimal capital requirements can be analyzed. Introducing bank financiers, the paper also shows that uninsured funding raises the sensitivity of rationing to capital requirements. In...

  3. The MARS2013 Mars analog mission.

    Science.gov (United States)

    Groemer, Gernot; Soucek, Alexander; Frischauf, Norbert; Stumptner, Willibald; Ragonig, Christoph; Sams, Sebastian; Bartenstein, Thomas; Häuplik-Meusburger, Sandra; Petrova, Polina; Evetts, Simon; Sivenesan, Chan; Bothe, Claudia; Boyd, Andrea; Dinkelaker, Aline; Dissertori, Markus; Fasching, David; Fischer, Monika; Föger, Daniel; Foresta, Luca; Fritsch, Lukas; Fuchs, Harald; Gautsch, Christoph; Gerard, Stephan; Goetzloff, Linda; Gołebiowska, Izabella; Gorur, Paavan; Groemer, Gerhard; Groll, Petra; Haider, Christian; Haider, Olivia; Hauth, Eva; Hauth, Stefan; Hettrich, Sebastian; Jais, Wolfgang; Jones, Natalie; Taj-Eddine, Kamal; Karl, Alexander; Kauerhoff, Tilo; Khan, Muhammad Shadab; Kjeldsen, Andreas; Klauck, Jan; Losiak, Anna; Luger, Markus; Luger, Thomas; Luger, Ulrich; McArthur, Jane; Moser, Linda; Neuner, Julia; Orgel, Csilla; Ori, Gian Gabriele; Paternesi, Roberta; Peschier, Jarno; Pfeil, Isabella; Prock, Silvia; Radinger, Josef; Ramirez, Barbara; Ramo, Wissam; Rampey, Mike; Sams, Arnold; Sams, Elisabeth; Sandu, Oana; Sans, Alejandra; Sansone, Petra; Scheer, Daniela; Schildhammer, Daniel; Scornet, Quentin; Sejkora, Nina; Stadler, Andrea; Stummer, Florian; Taraba, Michael; Tlustos, Reinhard; Toferer, Ernst; Turetschek, Thomas; Winter, Egon; Zanella-Kux, Katja

    2014-05-01

    We report on the MARS2013 mission, a 4-week Mars analog field test in the northern Sahara. Nineteen experiments were conducted by a field crew in Morocco under simulated martian surface exploration conditions, supervised by a Mission Support Center in Innsbruck, Austria. A Remote Science Support team analyzed field data in near real time, providing planning input for the management of a complex system of field assets; two advanced space suit simulators, four robotic vehicles, an emergency shelter, and a stationary sensor platform in a realistic work flow were coordinated by a Flight Control Team. A dedicated flight planning group, external control centers for rover tele-operations, and a biomedical monitoring team supported the field operations. A 10 min satellite communication delay and other limitations pertinent to human planetary surface activities were introduced. The fields of research for the experiments were geology, human factors, astrobiology, robotics, tele-science, exploration, and operations research. This paper provides an overview of the geological context and environmental conditions of the test site and the mission architecture, in particular the communication infrastructure emulating the signal travel time between Earth and Mars. We report on the operational work flows and the experiments conducted, including a deployable shelter prototype for multiple-day extravehicular activities and contingency situations.

  4. Accretion and primary differentiation of Mars

    International Nuclear Information System (INIS)

    Drake, M.J.

    1988-01-01

    In collecting samples from Mars to address questions such as whether Mars accreted homogeneously or heterogeneously, how Mars segregated into a metallic core and silicate mantle, and whether Mars outgassed catastrophically coincident with accretion or more serenely on a longer timescale, we must be guided by our experience in addressing these questions for the Earth, Moon, and igneous meteorite parent bodies. A key measurement to be made on any sample returned from Mars is its oxygen isotopic composition. A single measurement will suffice to bind the SNC meteorites to Mars or demonstrate that they cannot be samples of that planet. A positive identification of Mars as the SNC parent planet will permit all that has been learned from the SNC meteorites to be applied to Mars with confidence. A negative result will perhaps be more exciting in forcing us to look for another object that has been geologically active in the recent past. If the oxygen isotopic composition of Earth and Mars are established to be distinct, accretion theory must provide for different compositions for two planets now separated by only 0.5 AU

  5. Microscope on Mars

    Science.gov (United States)

    2004-01-01

    This image taken at Meridiani Planum, Mars by the panoramic camera on the Mars Exploration Rover Opportunity shows the rover's microscopic imager (circular device in center), located on its instrument deployment device, or 'arm.' The image was acquired on the ninth martian day or sol of the rover's mission.

  6. The cost of anchoring on credit-card minimum repayments

    OpenAIRE

    Stewart, Neil

    2009-01-01

    About three quarters of credit card accounts attract interest charges. In the US, credit card debt is $951.7 billion of a total of $2,539.7 billion of consumer credit. In the UK, credit card debt is £55.1 billion of £174.4 billion of consumer credit. The 2005 US Bankruptcy Abuse Prevention and Consumer Protection Act and the 2003 UK Treasury Select Committee's report require lenders to collect a minimum payment of at least the interest accrued each month. Thus people are protected from the ef...

  7. 26 CFR 1.1502-3 - Consolidated tax credits.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 12 2010-04-01 2010-04-01 false Consolidated tax credits. 1.1502-3 Section 1... (CONTINUED) INCOME TAXES Consolidated Tax Liability § 1.1502-3 Consolidated tax credits. (a) Determination of...) Consolidated limitation based on amount of tax. (i) Notwithstanding the amount of the consolidated credit...

  8. 7 CFR 1980.308 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Full faith and credit. 1980.308 Section 1980.308...) PROGRAM REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.308 Full faith and credit. The loan note guarantee constitutes an obligation supported by the full faith and credit of the United States...

  9. Nitrogen on Mars: Insights from Curiosity

    Science.gov (United States)

    Stern, J. C.; Sutter, B.; Jackson, W. A.; Navarro-Gonzalez, Rafael; McKay, Chrisopher P.; Ming, W.; Archer, P. Douglas; Glavin, D. P.; Fairen, A. G.; Mahaffy, Paul R.

    2017-01-01

    Recent detection of nitrate on Mars indicates that nitrogen fixation processes occurred in early martian history. Data collected by the Sample Analysis at Mars (SAM) instrument on the Curiosity Rover can be integrated with Mars analog work in order to better understand the fixation and mobility of nitrogen on Mars, and thus its availability to putative biology. In particular, the relationship between nitrate and other soluble salts may help reveal the timing of nitrogen fixation and post-depositional behavior of nitrate on Mars. In addition, in situ measurements of nitrogen abundance and isotopic composition may be used to model atmospheric conditions on early Mars.

  10. Deuteron photo-disintegration at large energies

    International Nuclear Information System (INIS)

    Potterveld, D.H.

    1994-01-01

    Current proposals at CEBAF include the measurement of cross sections and polarization observables of exclusive photo-reactions such as deuteron photo-disintegration and pion photo-production from nucleons. At issue is the applicability of traditional meson-exchange models versus quark models of these reactions at photon energies of several GeV. Beam energies above 4 GeV at CEBAF could make possible the measurement of these reactions over a kinematic range sufficiently broad to distinguish between the models. Estimates of counting rates for a Hall-C experiment to measure the γd → pn cross section are presented

  11. The Mars Environmental Compatibility Assessment (MECA) Wet Chemistry Experiment on the Mars 2001 Lander

    Science.gov (United States)

    Grannan, S. M.; Meloy, T. P.; Hecht, H.; Anderson, M. S.; Buehler, M.; Frant, M.; Kounaves, S. P.; Manatt, K. S.; Pike, W. T.; Schubert, W.

    1999-01-01

    The Mars Environmental Compatibility Assessment (MECA) is an instrument suite that will fly on the Mars Surveyor 2001 Lander Spacecraft. MECA is sponsored by the Human Exploration and Development of Space (HEDS) program and will evaluate potential hazards that the dust and soil of Mars might present to astronauts and their equipment on a future human mission to Mars. Four elements constitute the integrated MECA payload: a microscopy station, patch plates, an electrometer, and the wet chemistry experiment (WCE). The WCE is the first application of electrochemical sensors to study soil chemistry on another planetary body, in addition to being the first measurement of soil/water solution properties on Mars. The chemical composition and properties of the watersoluble materials present in the Martian soil are of considerable interest to the planetary science community because characteristic salts are formed by the water-based weathering of rocks, the action of volcanic gases, and biological activity. Thus the characterization of water-soluble soil materials on Mars can provide information on the geochemical history of the planet surface. Additional information is contained in the original extended abstract.

  12. 40 CFR 80.315 - How are credits used and what are the limitations on credit use?

    Science.gov (United States)

    2010-07-01

    ... indicating the years the credits were generated, the identity of the refiner or importer who generated the credits, and the identity of the transferring party, if it is not the same party that generated the... corporate pool average standards under § 80.195. [65 FR 6823, Feb. 10, 2000, as amended at 67 FR 40184, June...

  13. The Role of Credit in Predicting US Recessions

    DEFF Research Database (Denmark)

    Pönkä, Harri

    are useful predictors of US recessions over and above the control variables both in and out of sample. Especially the excess bond premium, capturing the cyclical changes in the relationship between default risk and credit spreads, is found to be a powerful predictor. Overall, models that combine credit......We study the role of credit in forecasting US recession periods with probit models. We employ both classical recession predictors and common factors based on a large panel of financial and macroeconomic variables as control variables. Our findings suggest that a number of credit variables...

  14. Status of burnup credit implementation in Switzerland

    International Nuclear Information System (INIS)

    Grimm, P.

    1998-01-01

    Burnup credit is currently not used for the storage of spent fuel in the reactor pools in Switzerland, but credit is taken for integral burnable absorbers. Interest exists to take credit of burnup in future for the storage in a central away-from-reactor facility presently under construction. For spent fuel transports to foreign reprocessing plants the regulations of the receiving countries must be applied in addition to the Swiss licensing criteria. Burnup credit has been applied by one Swiss PWR utility for such transports in a consistent manner with the licensing practice in the receiving countries. Measurements of reactivity worths of small spent fuel samples in a Swiss zero-power research reactor are at an early stage of planning. (author)

  15. Electrical power systems for Mars

    Science.gov (United States)

    Giudici, Robert J.

    1986-01-01

    Electrical power system options for Mars Manned Modules and Mars Surface Bases were evaluated for both near-term and advanced performance potential. The power system options investigated for the Mission Modules include photovoltaics, solar thermal, nuclear reactor, and isotope power systems. Options discussed for Mars Bases include the above options with the addition of a brief discussion of open loop energy conversion of Mars resources, including utilization of wind, subsurface thermal gradients, and super oxides. Electrical power requirements for Mission Modules were estimated for three basic approaches: as a function of crew size; as a function of electric propulsion; and as a function of transmission of power from an orbiter to the surface of Mars via laser or radio frequency. Mars Base power requirements were assumed to be determined by production facilities that make resources available for follow-on missions leading to the establishment of a permanently manned Base. Requirements include the production of buffer gas and propellant production plants.

  16. 12 CFR 614.4810 - Standby letters of credit.

    Science.gov (United States)

    2010-01-01

    ... party in the performance of an obligation. (b) As a matter of sound banking practice, banks for... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Standby letters of credit. 614.4810 Section 614.4810 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Banks...

  17. How To Be...Credit Smart. "Straight Talk" Series.

    Science.gov (United States)

    American Financial Services Association, Washington, DC. Consumer Credit Education Foundation.

    Designed for first-time borrowers, this pamphlet describes the basics of credit as a part of personal financial planning. Following a self-quiz (with answers) that tests the reader's knowledge of credit, the pamphlet provides guidelines for responsible credit use and outlines steps to take if debt problems occur. Topics covered include the…

  18. 12 CFR 932.4 - Credit risk capital requirement.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Credit risk capital requirement. 932.4 Section... CAPITAL STANDARDS FEDERAL HOME LOAN BANK CAPITAL REQUIREMENTS § 932.4 Credit risk capital requirement. (a) General requirement. Each Bank's credit risk capital requirement shall be equal to the sum of the Bank's...

  19. 17 CFR 256.411.5 - Investment tax credit.

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Investment tax credit. 256.411... HOLDING COMPANY ACT OF 1935 Income and Expense Accounts § 256.411.5 Investment tax credit. (a) This account shall be debited with the amounts of investment tax credits related to service company property...

  20. 7 CFR 3575.3 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Full faith and credit. 3575.3 Section 3575.3... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United States and is not...

  1. 7 CFR 762.103 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Full faith and credit. 762.103 Section 762.103... AGRICULTURE SPECIAL PROGRAMS GUARANTEED FARM LOANS § 762.103 Full faith and credit. (a) Fraud and misrepresentation. The loan guarantee constitutes an obligation supported by the full faith and credit of the United...

  2. 7 CFR 1779.3 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Full faith and credit. 1779.3 Section 1779.3... AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United...

  3. An Alternative Humans to Mars Approach: Reducing Mission Mass with Multiple Mars Flyby Trajectories and Minimal Capability Investments

    Science.gov (United States)

    Whitley, Ryan J.; Jedrey, Richard; Landau, Damon; Ocampo, Cesar

    2015-01-01

    Mars flyby trajectories and Earth return trajectories have the potential to enable lower- cost and sustainable human exploration of Mars. Flyby and return trajectories are true minimum energy paths with low to zero post-Earth departure maneuvers. By emplacing the large crew vehicles required for human transit on these paths, the total fuel cost can be reduced. The traditional full-up repeating Earth-Mars-Earth cycler concept requires significant infrastructure, but a Mars only flyby approach minimizes mission mass and maximizes opportunities to build-up missions in a stepwise manner. In this paper multiple strategies for sending a crew of 4 to Mars orbit and back are examined. With pre-emplaced assets in Mars orbit, a transit habitat and a minimally functional Mars taxi, a complete Mars mission can be accomplished in 3 SLS launches and 2 Mars Flyby's, including Orion. While some years are better than others, ample opportunities exist within a given 15-year Earth-Mars alignment cycle. Building up a mission cadence over time, this approach can translate to Mars surface access. Risk reduction, which is always a concern for human missions, is mitigated by the use of flybys with Earth return (some of which are true free returns) capability.

  4. Monetary policy and credit conditions: new evidence.

    OpenAIRE

    Steven Ongena

    1995-01-01

    A number of recent papers seek to distinguish between "money" and "credit" theories of the transmission of monetary disturbances using asymmetric information arguments. In credit models money causes output not only through the real interest rate but also through the availability of bank credit. The research described in this paper extends the work of Kashyap, Stein and Wilcox (1993) who construct a model that incorporates a relationship benefit to bank borrowing and then test the implications...

  5. Burnup credit activities in the United States

    International Nuclear Information System (INIS)

    Lake, W.H.; Thomas, D.A.; Doering, T.W.

    2001-01-01

    This report covers progress in burnup credit activities that have occurred in the United States of America (USA) since the International Atomic Energy Agency's (IAEA's) Advisory Group Meeting (AGM) on Burnup Credit was convened in October 1997. The Proceeding of the AGM were issued in April 1998 (IAEA-TECDOC-1013, April 1998). The three applications of the use of burnup credit that are discussed in this report are spent fuel storage, spent fuel transportation, and spent fuel disposal. (author)

  6. Portfolio Optimization for Multiple Group Credit Unions

    National Research Council Canada - National Science Library

    Willis, John

    1999-01-01

    ...) to diversify, credit unions now have the opportunity to market their services to specific employee groups or industries which can reduce the overall risk to the credit unions' health or solvency...

  7. CREDIT RISK MANAGEMENT IN THE COMMERCIAL BANKS IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Mihaela SUDACEVSCHI

    2014-04-01

    Full Text Available Credit risk is one of the main risks faced by a bank. This kind of risk is generated by the crediting activity of the clients. To manage the credit risk, banks should identify the sources of the risk and to monitor their exposures. These activities mean a better knowledge of the existing and potential clients and their financial situations, by implementing new scoring methods. Also, to avoid the credit risk or to reduce losses, the banks could increase the value of guarantees required in regular credit activities, their periodically reassessment and the periodical analysis of the ability of customers to generate cash flows (for corporate clients and get constant income (for retail customers to provide repayment of credits. This paper aims to prevent and to analyze several measures of credit risk management and it assume that banks on the Romanian banking market and to identify some indices used for customers analysis.

  8. Austere Human Missions to Mars

    Science.gov (United States)

    Price, Hoppy; Hawkins, Alisa M.; Tadcliffe, Torrey O.

    2009-01-01

    The Design Reference Architecture 5 (DRA 5) is the most recent concept developed by NASA to send humans to Mars in the 2030 time frame using Constellation Program elements. DRA 5 is optimized to meet a specific set of requirements that would provide for a robust exploration program to deliver a new six-person crew at each biennial Mars opportunity and provide for power and infrastructure to maintain a highly capable continuing human presence on Mars. This paper examines an alternate architecture that is scaled back from DRA 5 and might offer lower development cost, lower flight cost, and lower development risk. It is recognized that a mission set using this approach would not meet all the current Constellation Mars mission requirements; however, this 'austere' architecture may represent a minimum mission set that would be acceptable from a science and exploration standpoint. The austere approach is driven by a philosophy of minimizing high risk or high cost technology development and maximizing development and production commonality in order to achieve a program that could be sustained in a flat-funded budget environment. Key features that would enable a lower technology implementation are as follows: using a blunt-body entry vehicle having no deployable decelerators, utilizing aerobraking rather than aerocapture for placing the crewed element into low Mars orbit, avoiding the use of liquid hydrogen with its low temperature and large volume issues, using standard bipropellant propulsion for the landers and ascent vehicle, and using radioisotope surface power systems rather than a nuclear reactor or large area deployable solar arrays. Flat funding within the expected NASA budget for a sustained program could be facilitated by alternating cargo and crew launches for the biennial Mars opportunities. This would result in two assembled vehicles leaving Earth orbit for Mars per Mars opportunity. The first opportunity would send two cargo landers to the Mars surface to

  9. Elongational viscosity of photo-oxidated LDPE

    Science.gov (United States)

    Rolón-Garrido, Víctor H.; Wagner, Manfred H.

    2014-05-01

    Sheets of low-density polyethylene (LDPE) were photo-oxidatively treated at room temperature, and subsequently characterized rheologically in the melt state by shear and uniaxial extensional experiments. For photo-oxidation, a xenon lamp was used to irradiate the samples for times between 1 day and 6 weeks. Linear-viscoelastic characterization was performed in a temperature range of 130 to 220°C to obtain the master curve at 170°C, the reference temperature at which the elongational viscosities were measured. Linear viscoelasticity is increasingly affected by increasing photo-oxidation due to crosslinking of LDPE, as corroborated by an increasing gel fraction as determined by a solvent extraction method. The elongational measurements reveal a strong enhancement of strain hardening until a saturation level is achieved. The elongational data are analyzed in the frame work of two constitutive equations, the rubber-like liquid and the molecular stress function models. Within the experimental window, timedeformation separability is confirmed for all samples, independent of the degree of photo-oxidation.

  10. The capacity credit of micro-combined heat and power

    International Nuclear Information System (INIS)

    Hawkes, A.D.; Leach, M.A.

    2008-01-01

    This article is concerned with development of a methodology to determine the capacity credit of micro-combined heat and power (micro-CHP), and application of the method for the UK. Capacity credit is an important parameter in electricity system planning because it measures the amount of conventional generation that would be displaced by an alternative technology. Firstly, a mathematical formulation is presented. Capacity credit is then calculated for three types of micro-CHP units-Stirling engine, internal combustion engine, and fuel cell systems-operating under various control strategies. It is found that low heat-to-power ratio fuel cell technologies achieve the highest capacity credit of approximately 85% for a 1.1 GW penetration when a heat-led control strategy is applied. Higher heat-to-power ratio Stirling engine technology achieves approximately 33% capacity credit for heat-led operation. Low heat-to-power ratio technologies achieve higher capacity credit because they are able to continue operating even when heat demand is relatively low. Capacity credit diminishes as penetration of the technology increases. Overall, the high capacity credit of micro-CHP contributes to the viewpoint that the technology can help meet a number of economic and environmental energy policy aims

  11. Tiebreaker: Certification and multiple credit ratings

    NARCIS (Netherlands)

    Bongaerts, D.; Cremers, K.J.M.; Goetzmann, W.

    2009-01-01

    This paper explores the role played by multiple credit rating agencies (CRAs) in the market for corporate bonds. Moody’s, S&P and Fitch operate in a competitive setting with market demand for both credit information and the certification value of a high rating. We empirically document the outcome of

  12. Moon-Mars Analogue Mission (EuroMoonMars 1 at the Mars Desert Research Station)

    Science.gov (United States)

    Lia Schlacht, Irene; Voute, Sara; Irwin, Stacy; Foing, Bernard H.; Stoker, Carol R.; Westenberg, Artemis

    The Mars Desert Research Station (MDRS) is situated in an analogue habitat-based Martian environment, designed for missions to determine the knowledge and equipment necessary for successful future planetary exploration. For this purpose, a crew of six people worked and lived together in a closed-system environment. They performed habitability experiments within the dwelling and conducted Extra-Vehicular Activities (EVAs) for two weeks (20 Feb to 6 Mar 2010) and were guided externally by mission support, called "Earth" within the simulation. Crew 91, an international, mixed-gender, and multidisciplinary group, has completed several studies during the first mission of the EuroMoonMars campaign. The crew is composed of an Italian designer and human factors specialist, a Dutch geologist, an American physicist, and three French aerospace engineering students from Ecole de l'Air, all with ages between 21 and 31. Each crewmember worked on personal research and fulfilled a unique role within the group: commander, executive officer, engineer, health and safety officer, scientist, and journalist. The expedition focused on human factors, performance, communication, health and safety pro-tocols, and EVA procedures. The engineers' projects aimed to improve rover manoeuvrability, far-field communication, and data exchanges between the base and the rover or astronaut. The crew physicist evaluated dust control methods inside and outside the habitat. The geologist tested planetary geological sampling procedures. The crew designer investigated performance and overall habitability in the context of the Mars Habitability Experiment from the Extreme-Design group. During the mission the crew also participated in the Food Study and in the Ethospace study, managed by external groups. The poster will present crew dynamics, scientific results and daily schedule from a Human Factors perspective. Main co-sponsors and collaborators: ILEWG, ESA ESTEC, NASA Ames, Ecole de l'Air, SKOR, Extreme

  13. Mars Express - ESA sets ambitious goals for the first European mission to Mars

    Science.gov (United States)

    2003-05-01

    Mars has always fascinated human beings. No other planet has been visited so many times by spacecraft. And still, it has not been easy to unveil its secrets. Martian mysteries seem to have increased in quantity and complexity with every mission. When the first spacecraft were sent - the Mariner series in 1960s - the public was expecting an Earth ‘twin’, a green, inhabited planet full of oceans. Mariner shattered this dream by showing a barren surface. This was followed by the Viking probes which searched for life unsuccessfully in 1976. Mars appeared dry, cold and uninhabited: the Earth’s opposite. Now, two decades later, modern spacecraft have changed that view, but they have also returned more questions. Current data show that Mars was probably much warmer in the past. Scientists now think that Mars had oceans, so it could have been a suitable place for life in the past. “We do not know what happened to the planet in the past. Which process turned Mars into the dry, cold world we see today?” says Agustin Chicarro, ESA’s Mars Express project scientist. “With Mars Express, we will find out. Above all, we aim to obtain a complete global view of the planet - its history, its geology, how it has evolved. Real planetology!” Mars Express will reach the Red Planet by the end of December 2003, after a trip of just over six months. Six days before injection into its final orbit, Mars Express will eject the lander, Beagle 2, named after the ship on which Charles Darwin found inspiration to formulate his theory of evolution. The Mars Express orbiter will observe the planet and its atmosphere from a near-polar orbit, and will remain in operation for at least a whole Martian year (687 Earth days). Beagle 2 will land in an equatorial region that was probably flooded in the past, and where traces of life may have been preserved. The Mars Express orbiter carries seven advanced experiments, in addition to the Beagle 2 lander. The orbiter’s instruments have been

  14. Formal and Informal Rural Credit in Four Provinces of Vietnam

    DEFF Research Database (Denmark)

    Barslund, Mikkel Christoffer; Tarp, Finn

    This paper uses a survey of 932 rural households to uncover how the rural credit market operates in four provinces of Vietnam. Households obtain credit through formal and informal lenders. Formal loans are almost entirely for production and asset accumulation, while informal loans are used...... for consumption smoothening. Interest rates fell from 1997 to 2002, reflecting increased market integration. Moreover, the determinants of formal and informal credit demand are distinct. While credit rationing depends on education and credit history, in particular, regional differences in the demand for credit...

  15. 7 CFR 1738.31 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Full faith and credit. 1738.31 Section 1738.31... AGRICULTURE RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Types of Loans § 1738.31 Full faith and credit. Loan guarantees made under this part are supported by the full faith and credit of the United States. ...

  16. Monetary Policies And Credit Financing As Factors In Agricultural ...

    African Journals Online (AJOL)

    Global Journal of Agricultural Sciences ... cheap interest rate polices has negative effect on credit supply while policies associated with plough ... credit was influenced mainly by the availability of credit subsidies and availability of guarantees.

  17. ENHANCEMENT OF THE CREDIT GRANTING SYSTEM OF AGRICULTURAL PRODUCERS

    Directory of Open Access Journals (Sweden)

    Yuliya Evgenievna Klishina

    2015-08-01

    Full Text Available The credit granting system of agricultural enterprises which developed now doesn’t promote development of agricultural production in spite of the facts that are accepted and are financed by the state of the development program of agrarian and industrial complex in various directions. Financial credit relations in the sphere of agrarian and industrial complex are in a stage of formation and have no system nature, in them features of agricultural production are insufficiently considered.In article the directions of development of credit support of agricultural industry, participation of the state in system of agricultural crediting are considered, offers on forming of a three-level credit granting system of agricultural industry which is urged to provide availability of credit resources to all categories of agricultural producers are made.

  18. 76 FR 41590 - Equal Credit Opportunity

    Science.gov (United States)

    2011-07-15

    ... discriminate in any aspect of a credit transaction on the basis of sex, race, color, religion, national origin... with questions about their credit score, even if creditors are not in a position to answer those... best position to identify the key factors that affected the score, and the creditor could rely on that...

  19. Credit Ratings and Bank Monitoring Ability

    NARCIS (Netherlands)

    Nakamura, L.I.; Roszbach, K.

    2010-01-01

    In this paper we use credit rating data from two Swedish banks to elicit evidence on these banks’ loan monitoring ability. We do so by comparing the ability of bank ratings to predict loan defaults relative to that of public ratings from the Swedish credit bureau. We test the banks’ abilility to

  20. Multiple Layers of Credit and Mortgage Crises

    OpenAIRE

    Paula Hernandez-Verme

    2011-01-01

    I examine a production economy with a financial sector that contains multiple layers of credit. Such layers are designed to constitute credit chains which are inclusive of a simple mortgage market. The focus is on the nature and contagion properties of credit chains in an economy where the financial sector plays a real allocative role and agents have a nontrivial choice of whether to default on mortgages or not. Multiple equilibria with different rates of default are observed, due to the pres...

  1. Credit Card Attitudes and Behaviors of College Students

    Science.gov (United States)

    Joo, S.-H.; Grable, J. E.; Bagwell, D. C.

    2005-01-01

    At a southwestern public university, 242 students responded to a questionnaire about their credit-card use and attitudes. The results revealed that about 70 percent of the students held one or more credit cards, and about 10 percent had five or more credit cards. Twenty-two percent never kept copies of their charge slips, and only 49 percent paid…

  2. 5 CFR 1315.13 - Commodity Credit Corporation payments.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Commodity Credit Corporation payments... PAYMENT § 1315.13 Commodity Credit Corporation payments. As provided in § 1315.1(d), the provisions of... Credit Corporation (CCC) pursuant to Section 4(h) of the Act of June 29, 1948 (15 U.S.C. 714b(h)) (“CCC...

  3. The impact of the credit legislation on consumers

    Directory of Open Access Journals (Sweden)

    Hlako Choma

    2016-12-01

    Full Text Available The purpose of this paper is to examine two South Africa legislations dealing with over indebtedness of a consumer. It is clear that in terms of the South African law, section 129 (1 and 130 (3 of the National Credit Act provide that a creditor provider who wishes to enforce a debt under a credit agreement must first issue a section 129 (1 (a notice to the consumer (the purpose of the notice is to notify the consumer of his/her arrears. On the other hand, the South African National Credit Act encourages the consumers to fulfil the financial obligations for which they are responsible. The second legislation to be examined which serve or appear to serve same purpose as the National Credit Act is the Insolvency Act. It therefore, postulated that the compulsory sequestration of a consumer in terms of the Insolvency Act would stand as an alternative remedy for a credit provider before she/he can have recourse mechanisms, such as debt review that are focused on satisfaction of the consumer’s financial obligation , in terms of the provisions of the National Credit Act. The paper determines to what extend these measures comply with the constitutional consumer protection demands. The legislature had been pertinently cognizant of the Insolvency Act when it lately enacted the National Credit Act. This is much apparent from the express amendment of section 84 of the Insolvency Act to the extent set out in schedule 2 of the National Credit Act

  4. Mini Review - Phenolics for skin photo-aging.

    Science.gov (United States)

    Ali, Atif

    2017-07-01

    Photo-aging is one of the foremost problems caused by generation of reactive oxygen species when skin is exposed on UV irradiation. In view of that, generation of reactive oxygen species intermingle with proteins, DNA, saccharides and fatty acids triggering oxidative mutilation and effects are in the appearance of distressed cell metabolism, morphological and ultra-structural changes, mistreat on the routes and revisions in the demarcation, propagation and skin apoptosis living cells which leads to photo-aging. Plant phenolics are universally found in both edible and inedible plants and have extended substantial interest as photo-protective for human skin due to their antioxidant activities. The objective of this review is to highlight the use of plant phenolics for their antioxidant activities against photo-aging.

  5. Etude Experimentale du Photo-Injecteur de Fermilab

    Energy Technology Data Exchange (ETDEWEB)

    Carneiro, Jean-Paul [Orsay

    2001-01-01

    TESLA (TeV Superconducting Linear Accelerator) is an international collaboration which is studying the feasibility of an $e^+e^-$ collider of energy 0.8 TeV in the center of mass. One of the first goals of this collaboration was to construct a prototype linear accelerator at the DESY Laboratory in Hamburg, the TESLA Test Facility (TTF), in order to establish the technical basis for the collider. Two injectors were developed for TTF: a thermionic injector (developed by LAL-Orsay, IPN-Orsay, and CEA-Saclay) and a photo-injector (developed by Fermilab). The thermionic injector was used from February 1997 to October 1998, and then it was replaced by the photo-injector, which was first operated in December 1998. Another photo-injector, identical to the one delivered to TTF, was installed at Fermilab in the $A{\\emptyset}$ Building. The first beam from the latter was produced on 3 March 1999. The photo-injector consists of an RF gun, followed by a superconducting cavity. The RF gun is a 1.625-cell copper cavity with a resonant frequency of 1.3 GHz. The gun contains a cesium telluride ($C_{s_2}$Te) photo-cathode, which is illuminated by UV pulses from a Nd:YLF laser. The system can produce trains of 800 bunches of photo-electrons of charge 8 nC per bunch with spacing between bunches of 1$\\mu$s and 10 Hz repetition rate. Upon emerging from the RF gun, the beam energy is 4 to 5 MeV; the beam is then rapidly accelerated by the superconducting cavity to an energy of 17 to 20 MeV. Finally, a magnetic chicane, consisting of 4 dipoles, produces longitudinal compression of the electron bunches. This thesis describes the installation of the photo-injector at Fermilab and presents the experimentally-measured characteristics of the injector. The principal measurements were quantum eciency, dark current, transverse emittance, and bunch length. The conclusion from these studies is that the quality of the photo-injector beam fullls the design goals. The photo-injector at Fermilab is

  6. British and American attitudes toward credit cards.

    Science.gov (United States)

    Yang, Bijou; James, Simon; Lester, David

    2006-04-01

    American university students owned more than twice as many credit cards as British university students. However, scores on a credit card attitude scale predicted the number of cards owned by respondents in both countries.

  7. Proyecto María María

    OpenAIRE

    Prieto Peña, Ana María

    2014-01-01

    María María es un proyecto que se desarrollara en sector de la Joyería y la Bisutería pero con un fuerte enfoque Cultural y artístico. Nuestro producto es más que un accesorio, por un lado es la belleza y distinción que buscan las mujeres y por otro lado es la experiencia del cliente, quien tendrá la oportunidad de personalizar su accesorio, ser diseñador por un rato y lucir su propia creación. Este accesorio pone en contacto al usuario con el mundo literario; es decir con pequeños universo...

  8. 76 FR 34985 - Farm Credit System Insurance Corporation Board Meeting

    Science.gov (United States)

    2011-06-15

    ... FARM CREDIT SYSTEM INSURANCE CORPORATION Farm Credit System Insurance Corporation Board Meeting AGENCY: Farm Credit System Insurance Corporation. SUMMARY: Notice is hereby given of the regular meeting of the Farm Credit System Insurance Corporation Board (Board). Date and Time: The meeting of the...

  9. Retailer's optimal credit period and cycle time in a supply chain for deteriorating items with up-stream and down-stream trade credits

    Science.gov (United States)

    Mahata, Gour Chandra

    2015-09-01

    In practice, the supplier often offers the retailers a trade credit period and the retailer in turn provides a trade credit period to her/his customer to stimulate sales and reduce inventory. From the retailer's perspective, granting trade credit not only increases sales and revenue but also increases opportunity cost (i.e., the capital opportunity loss during credit period) and default risk (i.e., the percentage that the customer will not be able to pay off his/her debt obligations). Hence, how to determine credit period is increasingly recognized as an important strategy to increase retailer's profitability. Also, the selling items such as fruits, fresh fishes, gasoline, photographic films, pharmaceuticals and volatile liquids deteriorate continuously due to evaporation, obsolescence and spoilage. In this paper, we propose an economic order quantity model for the retailer where (1) the supplier provides an up-stream trade credit and the retailer also offers a down-stream trade credit, (2) the retailer's down-stream trade credit to the buyer not only increases sales and revenue but also opportunity cost and default risk, and (3) the selling items are perishable. Under these conditions, we model the retailer's inventory system as a profit maximization problem to determine the retailer's optimal replenishment decisions under the supply chain management. We then show that the retailer's optimal credit period and cycle time not only exist but also are unique. We deduce some previously published results of other researchers as special cases. Finally, we use some numerical examples to illustrate the theoretical results.

  10. The market for tradable renewable energy credits

    International Nuclear Information System (INIS)

    Berry, David

    2002-01-01

    As states seek to foster the development of renewable energy resources, some have introduced renewable portfolio standards (RPSs) which require retailers of electricity to derive a specified amount of their energy supply from renewable energy resources. RPSs in Texas, Arizona, Wisconsin and Nevada allow for or require the use of tradable renewable energy credits. The price of such credits is expected to reflect the cost premium for generating electricity from renewable resources relative to the market price of conventionally generated electricity. Using the market to trade renewable energy credits exposes buyers and sellers to risks of imperfect information, poor performance, and opportunism. These risks can be managed through contractual arrangements and regulatory requirements pertaining to property rights in credits, pricing, term of the contract, and assurance of performance

  11. Astrobiology and the Human Exploration of Mars

    Science.gov (United States)

    Levine, Joel S.; Garvin, James B.; Drake, B. G.; Beaty, David

    2010-01-01

    In March 2007, the Mars Exploration Program Analysis Group (MEPAG) chartered the Human Exploration of Mars Science Analysis Group (HEM-SAG), co-chaired by J. B. Garvin and J. S. Levine and consisting of about 30 Mars scientists from the U.S. and Europe. HEM-SAG was one of a half dozen teams charted by NASA to consider the human exploration of Mars. Other teams included: Mars Entry, Descent and Landing, Human Health and Performance, Flight and Surface Systems, and Heliospheric/Astrophysics. The results of these Mars teams and the development of an architecture for the human exploration of Mars were summarized in two recent publications: Human Exploration of Mars Design Reference Architecture 5.0, NASA Special Publication-2009-566 (B. G. Drake, Editor), 100 pages, July 2009 and Human Exploration of Mars Design Reference Architecture 5.0, NASA Special Publication-2009-566 Addendum (B. G. Drake, Editor), 406 pages, July 2009. This presentation summarizes the HEM-SAG conclusions on astrobiology and the search for life on Mars by humans.

  12. Technology needs for manned Mars missions

    International Nuclear Information System (INIS)

    Buden, D.; Bartine, D.

    1991-01-01

    As members of the Stafford Synthesis Group, we performed an investigation as to the most expeditious manner to explore Mars. To do this, rationale, objectives, requirements and systems definitions were developed. The objectives include the development of the necessary infrastructure and resources for Mars exploration and performing initial successful exploration of Mars. This will include a transportation system between Mars and Earth, habitats for living on Mars, utilization of Martian resources, and the ability to perform exploration over the entire Martian surface. Using the developed architecture, key technologies were identified. 6 figs., 1 tab

  13. Probabilistic assessment of dry transport with burnup credit

    International Nuclear Information System (INIS)

    Lake, W.H.

    2003-01-01

    The general concept of probabilistic analysis and its application to the use of burnup credit in spent fuel transport is explored. Discussion of the probabilistic analysis method is presented. The concepts of risk and its perception are introduced, and models are suggested for performing probability and risk estimates. The general probabilistic models are used for evaluating the application of burnup credit for dry spent nuclear fuel transport. Two basic cases are considered. The first addresses the question of the relative likelihood of exceeding an established criticality safety limit with and without burnup credit. The second examines the effect of using burnup credit on the overall risk for dry spent fuel transport. Using reasoned arguments and related failure probability and consequence data analysis is performed to estimate the risks of using burnup credit for dry transport of spent nuclear fuel. (author)

  14. Pricing Chinese Convertible Bonds with Dynamic Credit Risk

    Directory of Open Access Journals (Sweden)

    Ping Li

    2014-01-01

    Full Text Available To price convertible bonds more precisely, least squares Monte Carlo (LSM method is used in this paper for its advantage in handling the dependence of derivatives on the path, and dynamic credit risk is used to replace the fixed one to make the value of convertible bonds reflect the real credit risk. In the empirical study, we price convertible bonds based on static credit risk and dynamic credit risk, respectively. Empirical results indicate that the ICBC convertible bond has been overpriced, resulting from the underestimation of credit risk. In addition, when there is an issue of dividend, the conversion price will change in China's convertible bonds, while it does not change in the international convertible bonds. So we also empirically study the difference between the convertible bond's prices by assuming whether the conversion price changes or not.

  15. A Mission Concept: Re-Entry Hopper-Aero-Space-Craft System on-Mars (REARM-Mars)

    Science.gov (United States)

    Davoodi, Faranak

    2013-01-01

    Future missions to Mars that would need a sophisticated lander, hopper, or rover could benefit from the REARM Architecture. The mission concept REARM Architecture is designed to provide unprecedented capabilities for future Mars exploration missions, including human exploration and possible sample-return missions, as a reusable lander, ascend/descend vehicle, refuelable hopper, multiple-location sample-return collector, laboratory, and a cargo system for assets and humans. These could all be possible by adding just a single customized Re-Entry-Hopper-Aero-Space-Craft System, called REARM-spacecraft, and a docking station at the Martian orbit, called REARM-dock. REARM could dramatically decrease the time and the expense required to launch new exploratory missions on Mars by making them less dependent on Earth and by reusing the assets already designed, built, and sent to Mars. REARM would introduce a new class of Mars exploration missions, which could explore much larger expanses of Mars in a much faster fashion and with much more sophisticated lab instruments. The proposed REARM architecture consists of the following subsystems: REARM-dock, REARM-spacecraft, sky-crane, secure-attached-compartment, sample-return container, agile rover, scalable orbital lab, and on-the-road robotic handymen.

  16. Photo-induced reduction of flavin mononucleotide in aqueous solutions

    International Nuclear Information System (INIS)

    Song, S.-H.; Dick, B.; Penzkofer, A.

    2007-01-01

    The photo-induced reduction of flavin mononucleotide (FMN) in aqueous solutions is studied by absorption spectra measurement under aerobic and anaerobic conditions. Samples without exogenous reducing agent and with the exogenous reducing agents ethylene-diamine-tetraacetic acid (EDTA) and dithiothreitol (DTT) are investigated. Under anaerobic conditions the photo-induced reduction with and without reducing agents is irreversible. Under aerobic conditions the photo-reduction without added reducing agent is small compared to the photo-degradation, and the photo-reduction of FMN by the reducing agents is reversible (re-oxidation in the dark). During photo-excitation of FMN the dissolved oxygen is consumed by singlet oxygen formation and subsequent chemical reaction. After light switch-off slow re-oxidation (slow absorption recovery) occurs due to air in-diffusion from surface. EDTA degradation by FMN excitation leads to oxygen scavenging. The quantum efficiencies of photo-reduction under aerobic and anaerobic conditions are determined. The re-oxidation of reduced FMN under aerobic conditions and due to air injection is investigated

  17. monetary policies and credit financing as factors in agricultural ...

    African Journals Online (AJOL)

    controls the supply of money. This assumes the ... input supply, marketing services and of course credit supply. Provision of ... credit in state, assess the impact of credit on agricultural ..... Inflation targeting be a framework for monetary policy.

  18. Trade Credit and Informational Asymmetry.

    OpenAIRE

    Smith, Janet Kiholm

    1987-01-01

    Commonly used trade credit terms implicitly define a high interest rate that operates as an efficient screening device where information about buyer default risk is asymmetrically held. By offering trade credit, a seller can identify prospective defaults more quickl y than if financial institutions were the sole providers of short-ter m financing. The information is valuable in cases where a seller has made nonsalvageable investments in buyers since it enables the seller to take actions to pr...

  19. Credit Stagnation in Latin America

    OpenAIRE

    Adolfo Barajas; Roberto Steiner

    2002-01-01

    This study examines the recent marked slowdown in bank credit to the private sector in Latin America. Based on the study of eight countries (Argentina, Bolivia, Brazil, Chile, Colombia, Peru, Mexico, and Venezuela), the magnitude of the slowdown is documented, comparing it to historical behavior and to slowdown episodes in other regions of the world. Second, changes in bank balance sheets are examined to determine whether the credit slowdown is merely a reflection of a slowdown in bank deposi...

  20. Emissions credits from natural gas vehicles

    International Nuclear Information System (INIS)

    Anderson, J.F.; Kodjak, D.

    1997-01-01

    Dedicated natural gas vehicles (NGVs) often are capable of testing to lower than federally required engine certification standards. NGVs often meet inherently low emission vehicle (ILEV) and ultra low emission vehicle (ULEV) standards. Over the useful life of the vehicle, a significant amount of mobile source emission reduction credits (MSERCs) can be generated. This paper will discuss key elements of establishing a workable methodology to quantify the emissions benefits generated through the purchase and use of heavy-duty natural gas vehicles instead of heavy-duty diesel vehicles. The paper will focus on a public fleet of transit buses owned by the Massachusetts Bay Transit Agency, the Massachusetts Port Authority, and a private fleet of waste haulers. Public fleets may generate emission credits as a key compliance option to offset emission shortfalls from changes to the Employee Commute Options (ECO) program, the Inspection and Maintenance program, and facilitate annual surface transportation conformity. Private fleets may generate emission credits for open market trading to area and stationary sources seeking to buy credits from mobile sources, where allowed by EPA and state policy

  1. Measurements of energetic particle radiation in transit to Mars on the Mars Science Laboratory.

    Science.gov (United States)

    Zeitlin, C; Hassler, D M; Cucinotta, F A; Ehresmann, B; Wimmer-Schweingruber, R F; Brinza, D E; Kang, S; Weigle, G; Böttcher, S; Böhm, E; Burmeister, S; Guo, J; Köhler, J; Martin, C; Posner, A; Rafkin, S; Reitz, G

    2013-05-31

    The Mars Science Laboratory spacecraft, containing the Curiosity rover, was launched to Mars on 26 November 2011, and for most of the 253-day, 560-million-kilometer cruise to Mars, the Radiation Assessment Detector made detailed measurements of the energetic particle radiation environment inside the spacecraft. These data provide insights into the radiation hazards that would be associated with a human mission to Mars. We report measurements of the radiation dose, dose equivalent, and linear energy transfer spectra. The dose equivalent for even the shortest round-trip with current propulsion systems and comparable shielding is found to be 0.66 ± 0.12 sievert.

  2. Fish marketing and credit in Viet Nam

    National Research Council Canada - National Science Library

    Lem, Audun

    2004-01-01

    .... State-owned financial institutions play a major role in financing capital expenditure while working capital requirements are mainly met by informal sources of credit. However, future investment requirements and credit needs are greater than currently available.

  3. Environment of Mars, 1988

    International Nuclear Information System (INIS)

    Kaplan, D.I.

    1988-10-01

    A compilation of scientific knowledge about the planet Mars is provided. Information is divided into three categories: atmospheric data, surface data, and astrodynamic data. The discussion of atmospheric data includes the presentation of nine different models of the Mars atmosphere. Also discussed are Martian atmospheric constituents, winds, clouds, and solar irradiance. The great dust storms of Mars are presented. The section on Mars surface data provides an in-depth examination of the physical and chemical properties observed at the two Viking landing sites. Bulk densities, dielectric constants, and thermal inertias across the planet are then described and related back to those specific features found at the Viking landing sites. The astrodynamic materials provide the astronomical constants, time scales, and reference coordinate frames necessary to perform flightpath analysis, navigation design, and science observation design

  4. Photos and Videos

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Observers are required to take photos and/or videos of all incidentally caught sea turtles, marine mammals, seabirds and unusual or rare fish. On the first 3...

  5. Mass Spectrometry on Future Mars Landers

    Science.gov (United States)

    Brinckerhoff, W. B.; Mahaffy, P. R.

    2011-01-01

    Mass spectrometry investigations on the 2011 Mars Science Laboratory (MSL) and the 2018 ExoMars missions will address core science objectives related to the potential habitability of their landing site environments and more generally the near-surface organic inventory of Mars. The analysis of complex solid samples by mass spectrometry is a well-known approach that can provide a broad and sensitive survey of organic and inorganic compounds as well as supportive data for mineralogical analysis. The science value of such compositional information is maximized when one appreciates the particular opportunities and limitations of in situ analysis with resource-constrained instrumentation in the context of a complete science payload and applied to materials found in a particular environment. The Sample Analysis at Mars (SAM) investigation on MSL and the Mars Organic Molecule Analyzer (MOMA) investigation on ExoMars will thus benefit from and inform broad-based analog field site work linked to the Mars environments where such analysis will occur.

  6. Credit risk in liberalised power and natural gas markets

    International Nuclear Information System (INIS)

    Lapson, E.; Hunter, Richard

    1999-01-01

    This chapter examines the relationship of market structure and price volatility to credit risk, and discusses credit risk and energy market structures, credit risk in bilateral contracts, market evolution, and the effect of liberalising power markets on credit quality considering the power liberalising in Europe, the pace of change, and the new risks and opportunities. The market structure in Europe is addressed, and the EU Directive 96/92/EC, structural requirements, access for new generation capacity, and transmission costs are considered. Details of the liberalisation in the UK electricity market, the German market, and the Nord Pool are given, and the best credit practices in bilateral markets, and the quantifying of expected credit loss are described. Panels highlighting the need to know your counterparty in evaluating and negotiating bilateral contracts, and lessons learnt from the June 1998 US power price spike are presented

  7. Implementation of burnup credit in spent fuel management systems

    International Nuclear Information System (INIS)

    Dyck, H.P.

    2001-01-01

    Improved calculational methods allow one to take credit for the reactivity reduction associated with fuel burnup. This means reducing the analysis conservatism while maintaining an adequate safety margin. The motivation for using burnup credit in criticality safety applications is based on economic considerations and additional benefits contributing to public health and safety and resource conservation. Interest in the implementation of burnup credit has been shown by many countries. In 1997, the International Atomic Energy Agency (IAEA) started a task to monitor the implementation of burnup credit in spent fuel management systems, to provide a forum to exchange information, to discuss the matter and to gather and disseminate information on the status of national practices of burnup credit implementation in the Member States. The task addresses current and future aspects of burnup credit. This task was continued during the following years. (author)

  8. Mars Analog Rio Tinto Experiment (MARTE): An Experimental Demonstration of Key Technologies for Searching for Life on Mars

    Science.gov (United States)

    Stoker, Carol

    2004-01-01

    The discovery of near surface ground ice by the Mars Odyssey mission and the abundant evidence for recent Gulley features observed by the Mars Global Surveyor mission support longstanding theoretical arguments for subsurface liquid water on Mars. Thus, implementing the Mars program goal to search for life points to drilling on Mars to reach liquid water, collecting samples and analyzing them with instrumentation to detect in situ organisms and biomarker compounds. Searching for life in the subsurface of Mars will require drilling, sample extraction and handling, and new technologies to find and identify biomarker compounds and search for living organisms.

  9. 13 CFR 120.333 - Are there any special credit criteria?

    Science.gov (United States)

    2010-01-01

    ... addition to regular credit evaluation criteria, SBA shall weigh the greater risk associated with energy... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Are there any special credit criteria? 120.333 Section 120.333 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS...

  10. Partnering with Families through Photo Collages

    Science.gov (United States)

    Bacigalupa, Chiara

    2016-01-01

    This article describes the implementation and benefits of a photo-based family communication method called Daily Explorations. Daily Explorations are one- to two-page photo collages that are annotated with meaningful explanations of children's play and e-mailed to parents every day. The process, described in more detail in this article, is a…

  11. Potentials in Asian Export Credit Cooperation

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    "Mekong River Regional Development Project advocated by Asian Development Bank (ADB) has been implemented. Trans-Asia Railway and Trans-Asia Highway are being discussed. It is a good opportunity for Asian Export Credit Agencies (ECAs) to cooperate and financing these large crossboarder projects."On May 11, at the 10th Annual Meeting of Asian Export Credit Agencies,

  12. Compulsive buying and credit card misuse among credit card holders: The roles of self-esteem, materialism, impulsive buying and budget constraint

    Directory of Open Access Journals (Sweden)

    Nor Asiah Omar

    2014-02-01

    Full Text Available Purpose: This study aims to examine the factors that influence credit card misuse among working adults in Klang Valley, Malaysia. The relationship among self-esteem, materialism, impulsive buying, budget constraint, compulsive buying and credit card misuse are explored in this study. Design/methodology/approach: A total of 186 questionnaires was collected via convenience sampling from credit card users of working adults in Malaysia. A structural equation model that assesses the relationship between the proposed variables is tested using AMOS 20. Findings: The findings reveal that budget constraints, impulsive buying and materialism have a statistically significant influence on compulsive buying. In terms of credit card misuse, it is influenced negatively by self-esteem while positively by compulsive buying. Originality/value: Despite vast research on compulsive buying and credit card misuse, very few studies have examined it in the non-Western context.

  13. Strategies for the photo-control of endogenous protein activity.

    Science.gov (United States)

    Brechun, Katherine E; Arndt, Katja M; Woolley, G Andrew

    2017-08-01

    Photo-controlled or 'optogenetic' effectors interfacing with endogenous protein machinery allow the roles of endogenous proteins to be probed. There are two main approaches being used to develop optogenetic effectors: (i) caging strategies using photo-controlled conformational changes, and (ii) protein relocalization strategies using photo-controlled protein-protein interactions. Numerous specific examples of these approaches have been reported and efforts to develop general methods for photo-control of endogenous proteins are a current focus. The development of improved screening and selection methods for photo-switchable proteins would advance the field. Copyright © 2016 Elsevier Ltd. All rights reserved.

  14. Utah Marbles and Mars Blueberries: Comparitive Terrestrial Analogs for Hematite Concretions on Mars

    Science.gov (United States)

    Chan, M. A.; Beitler, B.; Parry, W. T.; Ormö, J.; Komatsu, G.

    2005-03-01

    Compelling comparisons show why Utah iron oxide-cemented "marbles" are a good analog for Mars hematite "blueberries". Terrestrial examples offer valuable models for interpreting the diagenetic history and importance of water on Mars.

  15. Mars Sample Return: Mars Ascent Vehicle Mission and Technology Requirements

    Science.gov (United States)

    Bowles, Jeffrey V.; Huynh, Loc C.; Hawke, Veronica M.; Jiang, Xun J.

    2013-01-01

    A Mars Sample Return mission is the highest priority science mission for the next decade recommended by the recent Decadal Survey of Planetary Science, the key community input process that guides NASAs science missions. A feasibility study was conducted of a potentially simple and low cost approach to Mars Sample Return mission enabled by the use of developing commercial capabilities. Previous studies of MSR have shown that landing an all up sample return mission with a high mass capacity lander is a cost effective approach. The approach proposed is the use of an emerging commercially available capsule to land the launch vehicle system that would return samples to Earth. This paper describes the mission and technology requirements impact on the launch vehicle system design, referred to as the Mars Ascent Vehicle (MAV).

  16. Water and Life on Mars

    Science.gov (United States)

    McKay, Christopher P.; DeVincenzi, Donald (Technical Monitor)

    2000-01-01

    Mars appears to be cold dry and dead world. However there is good evidence that early in its history it had liquid water, more active volcanism, and a thicker atmosphere. Mars had this earth-like environment over three and a half billion years ago, during the same time that life appeared on Earth. The main question in the exploration of Mars then is the search for a independent origin of life on that planet. Ecosystems in cold, dry locations on Earth - such as the Antarctic - provide examples of how life on Mars might have survived and where to look for fossils. Although the Viking results may indicate that Mars has no life today, there is direct geomorphological evidence that, in the past, Mars had large amounts of liquid water on its surface - possibly due to a thicker atmosphere. From a biological perspective the existence of liquid water, by itself motivates the question of the origin of life on Mars. One of the martian meteorites dates back to this early period and may contain evidence consistent with life. From studies of the Earth's earliest biosphere we know that by 3.5 Gyr. ago, life had originated on Earth and reached a fair degree of biological sophistication. Surface activity and erosion on Earth make it difficult to trace the history of life before the 3.5 Gyr timeframe. Ecosystems in cold, dry locations on Earth - such as the Antarctic - provide examples of how life on Mars might have survived and where to look for fossils.

  17. The early thermal evolution of Mars

    Science.gov (United States)

    Bhatia, G. K.; Sahijpal, S.

    2016-01-01

    Hf-W isotopic systematics of Martian meteorites have provided evidence for the early accretion and rapid core formation of Mars. We present the results of numerical simulations performed to study the early thermal evolution and planetary scale differentiation of Mars. The simulations are confined to the initial 50 Myr (Ma) of the formation of solar system. The accretion energy produced during the growth of Mars and the decay energy due to the short-lived radio-nuclides 26Al, 60Fe, and the long-lived nuclides, 40K, 235U, 238U, and 232Th are incorporated as the heat sources for the thermal evolution of Mars. During the core-mantle differentiation of Mars, the molten metallic blobs were numerically moved using Stoke's law toward the center with descent velocity that depends on the local acceleration due to gravity. Apart from the accretion and the radioactive heat energies, the gravitational energy produced during the differentiation of Mars and the associated heat transfer is also parametrically incorporated in the present work to make an assessment of its contribution to the early thermal evolution of Mars. We conclude that the accretion energy alone cannot produce widespread melting and differentiation of Mars even with an efficient consumption of the accretion energy. This makes 26Al the prime source for the heating and planetary scale differentiation of Mars. We demonstrate a rapid accretion and core-mantle differentiation of Mars within the initial ~1.5 Myr. This is consistent with the chronological records of Martian meteorites.

  18. Preparing for Mars: The Evolvable Mars Campaign 'Proving Ground' Approach

    Science.gov (United States)

    Bobskill, Marianne R.; Lupisella, Mark L.; Mueller, Rob P.; Sibille, Laurent; Vangen, Scott; Williams-Byrd, Julie

    2015-01-01

    As the National Aeronautics and Space Administration (NASA) prepares to extend human presence beyond Low Earth Orbit, we are in the early stages of planning missions within the framework of an Evolvable Mars Campaign. Initial missions would be conducted in near-Earth cis-lunar space and would eventually culminate in extended duration crewed missions on the surface of Mars. To enable such exploration missions, critical technologies and capabilities must be identified, developed, and tested. NASA has followed a principled approach to identify critical capabilities and a "Proving Ground" approach is emerging to address testing needs. The Proving Ground is a period subsequent to current International Space Station activities wherein exploration-enabling capabilities and technologies are developed and the foundation is laid for sustained human presence in space. The Proving Ground domain essentially includes missions beyond Low Earth Orbit that will provide increasing mission capability while reducing technical risks. Proving Ground missions also provide valuable experience with deep space operations and support the transition from "Earth-dependence" to "Earth-independence" required for sustainable space exploration. A Technology Development Assessment Team identified a suite of critical technologies needed to support the cadence of exploration missions. Discussions among mission planners, vehicle developers, subject-matter-experts, and technologists were used to identify a minimum but sufficient set of required technologies and capabilities. Within System Maturation Teams, known challenges were identified and expressed as specific performance gaps in critical capabilities, which were then refined and activities required to close these critical gaps were identified. Analysis was performed to identify test and demonstration opportunities for critical technical capabilities across the Proving Ground spectrum of missions. This suite of critical capabilities is expected to

  19. Human Mars Landing Site and Impacts on Mars Surface Operations

    Science.gov (United States)

    Hoffman, Stephen J.; Bussey, Ben

    2016-01-01

    This paper describes NASA's initial steps for identifying and evaluating candidate Exploration Zones (EZs) and Regions of Interests (ROIs) for the first human crews that will explore the surface of Mars. NASA's current effort to define the exploration of this planet by human crews, known as the Evolvable Mars Campaign (EMC), provides the context in which these EZs and ROIs are being considered. The EMC spans all aspects of a human Mars mission including launch from Earth, transit to and from Mars, and operations on the surface of Mars. An EZ is a collection of ROIs located within approximately 100 kilometers of a centralized landing site. ROIs are areas relevant for scientific investigation and/or development/maturation of capabilities and resources necessary for a sustainable human presence. The EZ also contains one or more landing sites and a habitation site that will be used by multiple human crews during missions to explore and utilize the ROIs within the EZ. With the EMC as a conceptual basis, the EZ model has been refined to a point where specific site selection criteria for scientific exploration and in situ resource utilization can be defined. In 2015 these criteria were distributed to the planetary sciences community and the in situ resource utilization and civil engineering communities as part of a call for EZ proposals. The resulting "First Landing Site/Exploration Zone Workshop for Human Missions to the Surface of Mars" was held in October 2015 during which 47 proposals for EZs and ROIs were presented and discussed. Proposed locations spanned all longitudes and all allowable latitudes (+/- 50 degrees). Proposed justification for selecting one of these EZs also spanned a significant portion of the scientific and resource criteria provided to the community. Several important findings resulted from this Workshop including: (a) a strong consensus that, at a scale of 100 km (radius), multiple places on Mars exist that have both sufficient scientific interest

  20. A way to the Photo Master Expert

    Science.gov (United States)

    Inagaki, Toshihiko

    After the author presided over the photographer's group for 15 years or more, the author met with the Photo Master certificate examination. And the author took the certificate examination, and was authorized as a Photo Master Expert in 2005. In this report, the outline how photographic technology has been mastered in order to adapt the photographer's group to the great change of photography from film to digital and how the contents of the activity of a photographer's group have changed is described. And the progress which took the Photo Master certificate examination as a good opportunity to prove the achievement level of those activities is described. And as a photographic activity after Photo Master Expert authorization, the shooting method of mural painting in the royal tomb of Amenophis III is described.

  1. Burnup credit for storage and transportation casks

    International Nuclear Information System (INIS)

    Wells, A.H.

    1988-01-01

    The application of burnup credit to storage and transportation cask licensing results in a significant improvement in cask capacity and an associated reduction of the cost per kilogram of uranium in the cask contents. The issues for licensing with burnup credit deal primarily with the treatment of fission product poisons and methods of verification of burnup during cask operations. Other issues include benchmarking of cross-section sets and codes and the effect of spatial variation of burnup within an assembly. The licensing of burnup credit for casks will be complex, although the criticality calculations are not themselves difficult. Attention should be directed to the use of fission product poisons and the uncertainties that they introduce. Verification of burnup by measurements will remove some of the concerns for criticality safety. Calculations for burnup credit casks should consider rod-to-rod and axial variations of burnup, as well as variability of burnable poisons it they are used in the assembly. In spite of the complexity of cask burnup credit licensing issues, these issues appear to be resolvable within the current state of the art of criticality safety

  2. International capital tax evasion and the foreign tax credit puzzle

    OpenAIRE

    Kimberley A. Scharf

    2001-01-01

    This paper examines the role of international tax evasion for the choice of an optimal foreign tax credit by a capital exporting region. Since a foreign tax credit raises the opportunity cost of concealing foreign source income, it can be employed to discourage evasion activity. The existence of international tax evasion possibilities could thus help rationalize a choice of tax credit in excess of a deduction-equivalent credit level. Our analysis shows that, in general the optimal credit will...

  3. Today’s Mumbai as Photo-Textuality

    Directory of Open Access Journals (Sweden)

    Carmen Concilio

    2015-06-01

    Full Text Available The aim of this essay is to enquire into representations of the city of Mumbai whose urban development has produced images of heaven and hell, sometimes within enclosed boundaries. What is interesting to tackle here is its aestheticisation in a photo-book which presents itself as ‘image-text’ (Mitchel, Stafford, Bombay/Mumbai. Immersions (2013. Not differently from what happens in other cities, such as Cape Town, for instance, here considered only very briefly as counterpoint, the Indian megalopolis’s development has produced disconnected images of urban heaven and hell. The photo-text here discussed presents itself as a composite narrative of words and photos, as the product of the cooperation between an Indian woman poet, Priya Sarukkai Chabria, and an English photographer now based in France, Christopher Taylor. Last but certainly not least in a long sequence of urban photo-texts, this new project requires the reader’s attention in order to try and clarify its role, its meaning, its function, its ethical/aesthetic responsibilities.

  4. The Regulation of the Credit Card Market in Turkey

    OpenAIRE

    Ahmet Faruk Aysan; L. Yildiz

    2006-01-01

    The rapid growth in Turkish credit card market brought together new issues. Card holders and consumer unions complain about the high interest rates, economists complain about the default rates and banks complain about the amnesties. After all of these complaints coinciding with the accelerating suicide incidences due to credit card debts, regulation has been enacted in the credit card market in Turkey. In 2003, credit cards had been taken into the scope of the Consumer Protection Law. This wa...

  5. Construction and Application Research of Isomap-RVM Credit Assessment Model

    Directory of Open Access Journals (Sweden)

    Guangrong Tong

    2015-01-01

    Full Text Available Credit assessment is the basis and premise of credit risk management systems. Accurate and scientific credit assessment is of great significance to the operational decisions of shareholders, corporate creditors, and management. Building a good and reliable credit assessment model is key to credit assessment. Traditional credit assessment models are constructed using the support vector machine (SVM combined with certain traditional dimensionality reduction algorithms. When constructing such a model, the dimensionality reduction algorithms are first applied to reduce the dimensions of the samples, so as to prevent the correlation of the samples’ characteristic index from being too high. Then, machine learning of the samples will be conducted using the SVM, in order to carry out classification assessment. To further improve the accuracy of credit assessment methods, this paper has introduced more cutting-edge algorithms, applied isometric feature mapping (Isomap for dimensionality reduction, and used the relevance vector machine (RVM for credit classification. It has constructed an Isomap-RVM model and used it to conduct financial analysis of China's listed companies. The empirical analysis shows that the credit assessment accuracy of the Isomap-RVM model is significantly higher than that of the Isomap-SVM model and slightly higher than that of the PCA-RVM model. It can correctly identify the credit risks of listed companies.

  6. 76 FR 13902 - Fair Credit Reporting Risk-Based Pricing Regulations

    Science.gov (United States)

    2011-03-15

    ... TRADE COMMISSION 16 CFR Parts 640 and 698 RIN R411009 Fair Credit Reporting Risk-Based Pricing... respective risk-based pricing rules to require disclosure of credit scores and information relating to credit scores in risk-based pricing notices if a credit score of the consumer is used in setting the material...

  7. Ombud’s Corner: due credit!

    CERN Multimedia

    Sudeshna Datta-Cockerill

    2016-01-01

    Patents, copyrights, trademarks… there are many ways to protect intellectual property and yet, despite these precautionary measures, it seems that colleagues sometimes still slip up: plots done by one person are used in another’s presentation without being appropriately credited, citations are wrongly assigned, references are inaccurate…   Plagiarism and misappropriation do not only happen in the worlds of art, music and literature. Often in our world, during the preparation phase of a scientific paper or even just in their daily work, scientists are required to share the work of many contributors and sometimes they do not keep track of who did what. No-one minds as long as this stays within the limits of teamwork, in which credits are distributed evenly and nobody’s contribution gets forgotten. Problems arise however, when one person’s work ends up being presented by another without the correct credit, or indeed when someone is held back from p...

  8. Mars' surface radiation environment measured with the Mars science laboratory's curiosity rover

    NARCIS (Netherlands)

    Hassler, D.M.; Zeitlin, C.; Wimmer-Schweingruber, R.F.; Ehresmann, B.; Rafkin, S.; Eigenbrode, J.L.; Brinza, D.E.; Weigle, G.; Böttcher, S.; Böhm, E.; Burmeister, S.; Guo, J.; Köhler, J.; Martin, C.; Reitz, G.; Cucinotta, F.A.; Kim, M.-H.; Grinspoon, D.; Bullock, M.A.; Posner, A.; Gómez-Elvira, J.; Vasavada, A.; Grotzinger, J.P.; MSL Science Team, the|info:eu-repo/dai/nl/292012217

    2014-01-01

    The Radiation Assessment Detector (RAD) on the Mars Science Laboratory’s Curiosity rover began making detailed measurements of the cosmic ray and energetic particle radiation environment on the surface of Mars on 7 August 2012. We report and discuss measurements of the absorbed dose and dose

  9. Photo-medical valley. 'Photo medical research center'

    International Nuclear Information System (INIS)

    Kawanishi, Shunichi; Daido, Hiroyuki; Tajima, Toshiki

    2008-01-01

    To develop a much more compact cancer diagnosis and therapeutic instrument using high intensity laser technology, Japan Atomic Energy Agency (JAEA) has successfully proposed this novel effort to the Ministry of Education, Culture, Sports, Science and Technology (MEXT) program as the creation of a 'photo-medical industrial valley' base in 2007 fiscal year. In this report, a new laser techniques to drive controlled ion beams is described. It is very important approach to realize a laser-driven ion accelerator. (author)

  10. DID CREDIT CRUNCH CAUSE A COLLAPSE IN PRIVATE INVESTMENT?: TURKEY CASE

    Directory of Open Access Journals (Sweden)

    Birgül CAMBAZOĞLU

    2011-07-01

    Full Text Available The economists have focused on credit crunch since 1990’s. The economists are not in consensus as to what constitutes the credit crunch. The differences in definitions come from the causes of credit contraction. Credit crunch is generally accepted as an enormous decline period in credit supply. Although the credit crunch is seen as a supply phenomenon, some economists define it as a demand issue. Investment declines significantly as result of an increase in credit rationing. The purpose of this study is to investigate the dependence of private investment on money and credit supply in Turkey. In other words, we want to quantify the effect of credit contraction in the banking sector on private fixed investment. VAR model is used to identify the existence of credit crunch through four economic variables: Private fixed investment, money stock (M2, bank loans to private sector and interest rate of commercial loans for the period ranging from 2003:01 to 2010:08. According to results of this study, it can be said that the credit crunch that we dealt with as a supply phenomenon leads to an investment collapse (slump in Turkey. The paper proceeds as follows: Section I provides theoretical background of credit channels and credit crunch. Section II summarizes recent empirical studies. Section III describes variables and discusses the empirical findings of the model. Section IV provides concluding remarks.

  11. The Effects of Credit Status on College Attainment and College Completion

    OpenAIRE

    Gicheva, Dora; Ionescu, Felicia; Simpson, Nicole B.

    2012-01-01

    College students now use various forms of unsecured credit such as private student loans and credit cards to finance college. Access to these credit lines and the interest rates charged on these loans can vary significantly across credit scores. In this paper, we analyze if credit status, as measured by self-reported characteristics of an individual's credit standing, affects college investment. Using data from the Survey of Consumer Finances, we study a sample of young high school graduates ...

  12. Valuing Catastrophe Bonds Involving Credit Risks

    Directory of Open Access Journals (Sweden)

    Jian Liu

    2014-01-01

    Full Text Available Catastrophe bonds are the most important products in catastrophe risk securitization market. For the operating mechanism, CAT bonds may have a credit risk, so in this paper we consider the influence of the credit risk on CAT bonds pricing that is different from the other literature. We employ the Jarrow and Turnbull method to model the credit risks and get access to the general pricing formula using the Extreme Value Theory. Furthermore, we present an empirical pricing study of the Property Claim Services data, where the parameters in the loss function distribution are estimated by the MLE method and the default probabilities are deduced by the US financial market data. Then we get the catastrophe bonds value by the Monte Carlo method.

  13. 12 CFR 614.4540 - Other financing institution access to Farm Credit Banks and agricultural credit banks for funding...

    Science.gov (United States)

    2010-01-01

    ... maintain established or projected capital levels; or (ii) Raise funds in the money markets; or (2... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Other financing institution access to Farm... POLICIES AND OPERATIONS Farm Credit Bank and Agricultural Credit Bank Financing of Other Financing...

  14. 26 CFR 20.2014-1 - Credit for foreign death taxes.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Credit for foreign death taxes. 20.2014-1....2014-1 Credit for foreign death taxes. (a) In general. (1) A credit is allowed under section 2014... any foreign country (hereinafter referred to as “foreign death taxes”). The credit is allowed only for...

  15. The Human Mars Mission: Transportation assessment

    International Nuclear Information System (INIS)

    Kos, Larry

    1998-01-01

    If funding is available, and for NASA planning purposes, the Human Mars Mission (HMM) is baselined to take place during the 2011 and 2013/2014 Mars opportunities. Two cargo flights will leave for Mars during the first opportunity, one to Mars orbit and the second to the surface, in preparation for the crew during the following opportunity. Each trans-Mars injection (TMI) stack will consist of a cargo/payload portion (currently coming in at between 65 and 78 mt) and a nuclear thermal propulsion (NTP) stage (currently coming in at between 69 and 77 mt loaded with propellant) for performing the departure ΔVs to get on to the appropriate Mars trajectories. Three 66,700 N thrust NTP engines comprise the TMI stage for each stack and perform a ΔV ranging from 3580 to 3890 m/s as required by the trajectory (with gravity losses and various performance margins added to this for the total TMI ΔV performed). This paper will discuss the current application of this NTP stage to a Human Mars mission, and project what implications a nuclear trans-Earth injection (TEI) stage as well as a bi-modal NTP stage could mean to a human visit to Mars

  16. Interactive 3D Mars Visualization

    Science.gov (United States)

    Powell, Mark W.

    2012-01-01

    The Interactive 3D Mars Visualization system provides high-performance, immersive visualization of satellite and surface vehicle imagery of Mars. The software can be used in mission operations to provide the most accurate position information for the Mars rovers to date. When integrated into the mission data pipeline, this system allows mission planners to view the location of the rover on Mars to 0.01-meter accuracy with respect to satellite imagery, with dynamic updates to incorporate the latest position information. Given this information so early in the planning process, rover drivers are able to plan more accurate drive activities for the rover than ever before, increasing the execution of science activities significantly. Scientifically, this 3D mapping information puts all of the science analyses to date into geologic context on a daily basis instead of weeks or months, as was the norm prior to this contribution. This allows the science planners to judge the efficacy of their previously executed science observations much more efficiently, and achieve greater science return as a result. The Interactive 3D Mars surface view is a Mars terrain browsing software interface that encompasses the entire region of exploration for a Mars surface exploration mission. The view is interactive, allowing the user to pan in any direction by clicking and dragging, or to zoom in or out by scrolling the mouse or touchpad. This set currently includes tools for selecting a point of interest, and a ruler tool for displaying the distance between and positions of two points of interest. The mapping information can be harvested and shared through ubiquitous online mapping tools like Google Mars, NASA WorldWind, and Worldwide Telescope.

  17. The overprotection of Mars

    Science.gov (United States)

    Fairén, Alberto G.; Schulze-Makuch, Dirk

    2013-07-01

    Planetary protection policies aim to guard Solar System bodies from biological contamination from spacecraft. Costly efforts to sterilize Mars spacecraft need to be re-evaluated, as they are unnecessarily inhibiting a more ambitious agenda to search for extant life on Mars.

  18. Magnetic Storms at Mars and Earth

    DEFF Research Database (Denmark)

    Vennerstrøm, Susanne; Falkenberg, Thea Vilstrup

    In analogy with magnetic storms at the Earth, periods of significantly enhanced global magnetic activity also exist at Mars. The extensive database of magnetic measurements from Mars Global Surveyor (MGS), covering almost an entire solar cycle, is used in combination with geomagnetic activity...... indices at Earth to compare the occurrence of magnetic storms at Mars and Earth. Based on superposed epochs analysis the time-development of typical magnetic storms at Mars and Earth is described. In contradiction to storms at Earth, most magnetic storms at Mars are found to be associated...... with heliospheric current sheet crossings, where the IMF changes polarity. While most storms at the Earth occur due to significant southward excursions of the IMF associated with CMEs, at Mars most storms seem to be associated with the density enhancement of the heliospheric current sheet. Density enhancements...

  19. Quantifying Correlation Uncertainty Risk in Credit Derivatives Pricing

    Directory of Open Access Journals (Sweden)

    Colin Turfus

    2018-04-01

    Full Text Available We propose a simple but practical methodology for the quantification of correlation risk in the context of credit derivatives pricing and credit valuation adjustment (CVA, where the correlation between rates and credit is often uncertain or unmodelled. We take the rates model to be Hull–White (normal and the credit model to be Black–Karasinski (lognormal. We summarise recent work furnishing highly accurate analytic pricing formulae for credit default swaps (CDS including with defaultable Libor flows, extending this to the situation where they are capped and/or floored. We also consider the pricing of contingent CDS with an interest rate swap underlying. We derive therefrom explicit expressions showing how the dependence of model prices on the uncertain parameter(s can be captured in analytic formulae that are readily amenable to computation without recourse to Monte Carlo or lattice-based computation. In so doing, we crucially take into account the impact on model calibration of the uncertain (or unmodelled parameters.

  20. Mars exploration program analysis group goal one: determine if life ever arose on Mars.

    Science.gov (United States)

    Hoehler, Tori M; Westall, Frances

    2010-11-01

    The Mars Exploration Program Analysis Group (MEPAG) maintains a standing document that articulates scientific community goals, objectives, and priorities for mission-enabled Mars science. Each of the goals articulated within the document is periodically revisited and updated. The astrobiology-related Goal One, "Determine if life ever arose on Mars," has recently undergone such revision. The finalized revision, which appears in the version of the MEPAG Goals Document posted on September 24, 2010, is presented here.

  1. Overcoming credit card fraud in South Africa

    African Journals Online (AJOL)

    A credit card is a convenient method of payment, but it does carry risks. The enormous ... Identity theft and the exponential ... Unique Security Features of a Credit Card with the Aim of Identifying ..... technology in an attempt to try and curb the.

  2. Individual stock-option prices and credit spreads

    NARCIS (Netherlands)

    Cremers, M.; Driessen, J.; Maenhout, P.; Weinbaum, D.

    2008-01-01

    This paper introduces measures of volatility and jump risk that are based on individual stock options to explain credit spreads on corporate bonds. Implied volatilities of individual options are shown to contain useful information for credit spreads and improve on historical volatilities when

  3. Are carbon credits effective?

    International Nuclear Information System (INIS)

    Anon.

    2010-01-01

    Is it possible to reduce greenhouse gas emissions by assigning a value to CO 2 ? That's the concept behind carbon credits. Their advantage: they set targets but let companies decide how to meet them. Of all the processes that can be used to reduce air pollution, the cap and trade system is the best way to meet global targets on a national or continental scale. The system's efficiency is based on setting a ceiling for emissions: this is the cap. The emissions quotas are negotiable goods that can be traded on a market: this is the 'trade'. No company can exceed its quotas, but it can choose how to meet them: decreasing its emissions by changing its production processes, buying carbon credits sold by companies that have exceeded their targets, or using clean development mechanisms. For a carbon credit system to function correctly on an economic level, it's essential to meet one condition: don't allocate too many emissions quotas to the companies involved. If they receive too many quotas, it's not hard for them to meet their objectives without changing their production processes. The supply of carbon credits currently exceeds demand. The price per ton of CO 2 is collapsing, and companies that have exceeded their targets are not rewarded for their efforts. Efficient though it may be, the cap and trade system cannot be the only way to fight CO 2 emissions. In Europe, it presently covers 40% of the CO 2 emissions by targeting utilities and industries that consume the most fossil fuels. But it cannot be extended to some sectors where pollution is diffuse. In transportation, for example, it's not possible to impose such a requirement. For that sector, as well as for the building sector, a suitable system of taxes might be effective and incentive

  4. The Gravity Field of Mars From MGS, Mars Odyssey, and MRO Radio Science

    Science.gov (United States)

    Genova, Antonio; Goossens, Sander; Lemoine, Frank G.; Mazarico, Erwan; Smith, David E.; Zuber, Maria T.

    2015-01-01

    The Mars Global Surveyor (MGS), Mars Odyssey (ODY), and Mars Reconnaissance Orbiter (MRO) missions have enabled NASA to conduct reconnaissance and exploration of Mars from orbit for sixteen consecutive years. These radio systems on these spacecraft enabled radio science in orbit around Mars to improve the knowledge of the static structure of the Martian gravitational field. The continuity of the radio tracking data, which cover more than a solar cycle, also provides useful information to characterize the temporal variability of the gravity field, relevant to the planet's internal dynamics and the structure and dynamics of the atmosphere [1]. MGS operated for more than 7 years, between 1999 and 2006, in a frozen sun-synchronous, near-circular, polar orbit with the periapsis at approximately 370 km altitude. ODY and MRO have been orbiting Mars in two separate sun-synchronous orbits at different local times and altitudes. ODY began its mapping phase in 2002 with the periapis at approximately 390 km altitude and 4-5pm Local Solar Time (LST), whereas the MRO science mission started in November 2006 with the periapis at approximately 255 km altitude and 3pm LST. The 16 years of radio tracking data provide useful information on the atmospheric density in the Martian upper atmosphere. We used ODY and MRO radio data to recover the long-term periodicity of the major atmospheric constituents -- CO2, O, and He -- at the orbit altitudes of these two spacecraft [2]. The improved atmospheric model provides a better prediction of the annual and semi-annual variability of the dominant species. Therefore, the inclusion of the recovered model leads to improved orbit determination and an improved gravity field model of Mars with MGS, ODY, and MRO radio tracking data.

  5. 47 CFR 32.7210 - Operating investment tax credits-net.

    Science.gov (United States)

    2010-10-01

    ... 47 Telecommunication 2 2010-10-01 2010-10-01 false Operating investment tax credits-net. 32.7210....7210 Operating investment tax credits—net. (a) This account shall be charged and Account 4320, Unamortized Operating Investment Tax Credits—Net, shall be credited with investment tax credits generated from...

  6. Money and Credit With Limited Commitment and Theft

    OpenAIRE

    Williamson, Stephen; Sanches, Daniel

    2009-01-01

    We study the interplay among imperfect memory, limited commitment, and theft, in an environment that can support monetary exchange and credit. Imperfect memory makes money useful, but it also permits theft to go undetected, and therefore provides lucrative opportunities for thieves. Limited commitment constrains credit arrangements, and the constraints tend to tighten with imperfect memory, as this mitigates punishment for bad behavior in the credit market. Theft matters for optimal monetary ...

  7. Business fluctuations in a credit-network economy

    Science.gov (United States)

    Delli Gatti, Domenico; Gallegati, Mauro; Greenwald, Bruce; Russo, Alberto; Stiglitz, Joseph E.

    2006-10-01

    We model a network economy with three sectors: downstream firms, upstream firms, and banks. Agents are linked by productive and credit relationships so that the behavior of one agent influences the behavior of the others through network connections. Credit interlinkages among agents are a source of bankruptcy diffusion: in fact, failure of fulfilling debt commitments would lead to bankruptcy chains. All in all, the bankruptcy in one sector can diffuse to other sectors through linkages creating a vicious cycle and bankruptcy avalanches in the network economy. Our analysis show how the choices of credit supply by both banks and firms are interrelated. While the initial impact of monetary policy is on bank behaviour, we show the interactive play between the choices made by banks, the choices made by firms in their role as providers of credit, and the choices made by firms in their role as producers.

  8. RENEWAL OF CRIMINAL LAW AGAINST ABUSE OF CREDIT CARDS

    Directory of Open Access Journals (Sweden)

    Eka Nugraha

    2015-07-01

    Full Text Available The use of credit cards for payment in lieu of cash since the introduction of the first credit card ever more widely known and used by people.   On the early introduction of this credit card, the wearer is limited to certain circles. However, a few decades later the credit card industry primarily enter the end of the Decade of the 1970s, has penetrated almost throughout all parts of the world, including Indonesia.   A credit card is issued by most commonly used by the public and apply the current International consists of a range of brands, among others, a very popular one is Visa and Master Card are each issued by the credit card company international and Master Card International.In practice many found the works in banking that may be subject to sanctions as set forth in the book of the law of criminal law (Criminal Code.

  9. Writing Performance of At-Risk Learners in Online Credit Recovery

    Science.gov (United States)

    Leiter, Michael P.

    2012-01-01

    Online credit recovery is becoming a popular choice for students needing to recover lost graduation credit due to course failure. The problem is that high school students who take online credit recovery classes in order to gain writing credit for graduation are failing the writing section on the state merit exam (MME). At-risk students and…

  10. 26 CFR 20.2011-1 - Credit for State death taxes.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Credit for State death taxes. 20.2011-1 Section....2011-1 Credit for State death taxes. (a) In general. A credit is allowed under section 2011 against the... possession of the United States (hereinafter referred to as “State death taxes”). The credit, however, is...

  11. 26 CFR 1.45D-1 - New markets tax credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 1 2010-04-01 2010-04-01 true New markets tax credit. 1.45D-1 Section 1.45D-1... Computing Credit for Investment in Certain Depreciable Property § 1.45D-1 New markets tax credit. (a) Table... of new markets tax credit (B) Recapture event (ii) CDE reporting requirements to Secretary (iii...

  12. An instant photo-excited electrons relaxation on the photo-degradation properties of TiO2-x films

    CSIR Research Space (South Africa)

    Nkosi, SS

    2014-11-01

    Full Text Available of Photochemistry and Photobiology A: Chemistry 293 (2014) 72–80 An instant photo-excited electrons relaxation on the photo- degradation properties of TiO2−x films S.S. Nkosi a,b,∗, I. Kortidis d, D.E. Motaungc,∗, P.R. Makgwanec, O.M. Ndwandwe b, S.S. Rayc, G...

  13. The Supply of Trade Credit by Brazilian Publicly Traded Firms

    Directory of Open Access Journals (Sweden)

    Rafael Felipe Schiozer

    2011-12-01

    Full Text Available This paper investigates the determinants of trade credit supply by Brazilian publicly traded companies between the years of 2005 and 2008. International literature (both theoretical and empirical documents that the main determinants of trade credit supply are the size of the firm and the size of its debt. Both indicate that the availability of resources to the firm is an important factor for the supply of trade credit. In addition, the literature confirms strategic uses of trade credit such as those for price discrimination purposes. The results obtained using a sample of 157 Brazilian companies do not support that size and indebtedness are relevant determinants for trade credit supply, but they confirm the supply of trade credit as a strategic tool for the firms. Additionally we observed a significant decrease in trade credit supply in 2008, the year in which a severe international financial crisis took place.

  14. Achieving LEED credit for ergonomics: Laying the foundation.

    Science.gov (United States)

    Lynch, Mallory

    2014-01-01

    Despite guidance from the United States Green Building Council (USGBC) on the requirements for earning a Leadership in Energy and Environmental Design (LEED) ergonomics credit in the Innovation in Design and Innovation in Operations category, few projects have received the credit. The University of California, Berkeley ergonomics program, Ergonomics@Work, has aligned the ergonomics strategy to those of the USGBC and LEED to achieve the ergonomics credit in several new buildings. This article describes the steps needed to obtain the credit and highlights the opportunities it creates to partner with the project team to promote ergonomics. As a profession it is up to ergonomists to create the road map that incorporates ergonomics into the green building design.

  15. Actively learning human gaze shifting paths for semantics-aware photo cropping.

    Science.gov (United States)

    Zhang, Luming; Gao, Yue; Ji, Rongrong; Xia, Yingjie; Dai, Qionghai; Li, Xuelong

    2014-05-01

    Photo cropping is a widely used tool in printing industry, photography, and cinematography. Conventional cropping models suffer from the following three challenges. First, the deemphasized role of semantic contents that are many times more important than low-level features in photo aesthetics. Second, the absence of a sequential ordering in the existing models. In contrast, humans look at semantically important regions sequentially when viewing a photo. Third, the difficulty of leveraging inputs from multiple users. Experience from multiple users is particularly critical in cropping as photo assessment is quite a subjective task. To address these challenges, this paper proposes semantics-aware photo cropping, which crops a photo by simulating the process of humans sequentially perceiving semantically important regions of a photo. We first project the local features (graphlets in this paper) onto the semantic space, which is constructed based on the category information of the training photos. An efficient learning algorithm is then derived to sequentially select semantically representative graphlets of a photo, and the selecting process can be interpreted by a path, which simulates humans actively perceiving semantics in a photo. Furthermore, we learn a prior distribution of such active graphlet paths from training photos that are marked as aesthetically pleasing by multiple users. The learned priors enforce the corresponding active graphlet path of a test photo to be maximally similar to those from the training photos. Experimental results show that: 1) the active graphlet path accurately predicts human gaze shifting, and thus is more indicative for photo aesthetics than conventional saliency maps and 2) the cropped photos produced by our approach outperform its competitors in both qualitative and quantitative comparisons.

  16. Benthic Photo Survey: Software for Geotagging, Depth-tagging, and Classifying Photos from Survey Data and Producing Shapefiles for Habitat Mapping in GIS

    Directory of Open Access Journals (Sweden)

    Jared Kibele

    2016-03-01

    Full Text Available Photo survey techniques are common for resource management, ecological research, and ground truthing for remote sensing but current data processing methods are cumbersome and inefficient. The Benthic Photo Survey (BPS software described here was created to simplify the data processing and management tasks associated with photo surveys of underwater habitats. BPS is free and open source software written in Python with a QT graphical user interface. BPS takes a GPS log and jpeg images acquired by a diver or drop camera and assigns the GPS position to each photo based on time-stamps (i.e. geotagging. Depth and temperature can be assigned in a similar fashion (i.e. depth-tagging using log files from an inexpensive consumer grade depth / temperature logger that can be attached to the camera. BPS provides the user with a simple interface to assign quantitative habitat and substrate classifications to each photo. Location, depth, temperature, habitat, and substrate data are all stored with the jpeg metadata in Exchangeable image file format (Exif. BPS can then export all of these data in a spatially explicit point shapefile format for use in GIS. BPS greatly reduces the time and skill required to turn photos into usable data thereby making photo survey methods more efficient and cost effective. BPS can also be used, as is, for other photo sampling techniques in terrestrial and aquatic environments and the open source code base offers numerous opportunities for expansion and customization.

  17. Financial innovation and bank behavior : Evidence from credit markets

    NARCIS (Netherlands)

    Norden, L.; Silva Buston, C.F.; Wagner, W.B.

    This paper investigates whether, and through which channel, the active use of credit derivatives changes bank behavior in the credit market, and how this channel was affected by the crisis of 2007–2009. Our principal finding is that banks with larger gross positions in credit derivatives charge

  18. Photo-lability of deep ocean dissolved black carbon

    Directory of Open Access Journals (Sweden)

    A. Stubbins

    2012-05-01

    Full Text Available Dissolved black carbon (DBC, defined here as condensed aromatics isolated from seawater via PPL solid phase extraction and quantified as benzenepolycarboxylic acid (BPCA oxidation products, is a significant component of the oceanic dissolved organic carbon (DOC pool. These condensed aromatics are widely distributed in the open ocean and appear to be tens of thousands of years old. As such DBC is regarded as highly refractory. In the current study, the photo-lability of DBC, DOC and coloured dissolved organic matter (CDOM; ultraviolet-visible absorbance were determined over the course of a 28 day irradiation of North Atlantic Deep Water under a solar simulator. During the irradiation DBC fell from 1044 ± 164 nM-C to 55 ± 15 nM-C, a 20-fold decrease in concentration. Dissolved black carbon photo-degradation was more rapid and more extensive than for bulk CDOM and DOC. The concentration of DBC correlated with CDOM absorbance and the quality of DBC indicated by the ratios of different BPCAs correlated with CDOM absorbance spectral slope, suggesting the optical properties of CDOM may provide a proxy for both DBC concentrations and quality in natural waters. Further, the photo-lability of components of the DBC pool increased with their degree of aromatic condensation. These trends indicate that a continuum of compounds of varying photo-lability exists within the marine DOC pool. In this continuum, photo-lability scales with aromatic character, specifically the degree of condensation. Scaling the rapid photo-degradation of DBC to rates of DOC photo-mineralisation for the global ocean leads to an estimated photo-chemical half-life for oceanic DBC of less than 800 years. This is more than an order of magnitude shorter than the apparent age of DBC in the ocean. Consequently, photo-degradation is posited as the primary sink for oceanic DBC and the apparent survival of DBC molecules in the oceans for millennia appears to be facilitated not by their

  19. The Mars Reconnaissance Orbiter Mission: 10 Years of Exploration from Mars Orbit

    Science.gov (United States)

    Johnston, M. Daniel; Zurek, Richard W.

    2016-01-01

    The Mars Reconnaissance Orbiter ( MRO ) entered Mars orbit on March 10, 2006. After five months of aerobraking, a series of propulsive maneuvers were used to establish the desired low -altitude science orbit. The spacecraft has been on station in its 255 x 320 k m, sun -synchronous (approximately 3 am -pm ), primary science orbit since September 2006 performing both scientific and Mars programmatic support functions. This paper will provide a summary of the major achievements of the mission to date and the major flight activities planned for the remainder of its third Extended Mission (EM3). Some of the major flight challenges the flight team has faced are also discussed.

  20. IJslandse inzichten op Mars

    NARCIS (Netherlands)

    de Vet, S.

    2013-01-01

    Vulkaanuitbarstingen onder gletsjers, zoals de vliegverkeer-verlammende uitbarsting van de vulkaan Eyjafjallajökull in IJsland in 2010, lijken in veel opzichten op vulkaanuitbarstingen die ooit op Mars voorkwamen. Dankzij de landschappelijke gelijkenissen tussen onze aarde en Mars is het mogelijk om

  1. Tax credits and purchasing pools: will this marriage work?

    Science.gov (United States)

    Trude, S; Ginsburg, P B

    2001-04-01

    Bipartisan interest is growing in Congress for using federal tax credits to help low-income families buy health insurance. Regardless of the approach taken, tax credit policies must address risk selection issues to ensure coverage for the chronically ill. Proposals that link tax credits to purchasing pools would avoid risk selection by grouping risks similar to the way large employers do. Voluntary purchasing pools have had only limited success, however. This Issue Brief discusses linking tax credits to purchasing pools. It uses information from the Center for Studying Health System Change's (HSC) site visits to 12 communities as well as other research to assess the role of purchasing pools nationwide and the key issues and implications of linking tax credits and pools.

  2. Dynamic Dependence and Diversification in Corporate Credit

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Jacobs, Kris; Jin, Xisong

    We characterize dependence and tail dependence in corporate credit using a new class of dynamic copula models which can capture dynamic dependence and asymmetry in large samples of firms. We also document important differences between the dependence dynamics for credit spreads and equity returns...

  3. 75 FR 49510 - Credit Watch Termination Initiative

    Science.gov (United States)

    2010-08-13

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5411-N-02] Credit Watch Termination Initiative AGENCY: Office of the Assistant Secretary for Housing--Federal Housing Commissioner, HUD. ACTION... FHA Credit Watch Termination Initiative. This notice includes a list of mortgagees which have had...

  4. 75 FR 17944 - Credit Watch Termination Initiative

    Science.gov (United States)

    2010-04-08

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5411-N-01] Credit Watch Termination Initiative AGENCY: Office of the Assistant Secretary for Housing--Federal Housing Commissioner, HUD. ACTION... FHA Credit Watch Termination Initiative. This notice includes a list of mortgagees which have had...

  5. 40 CFR 1042.715 - Banking emission credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Banking emission credits. 1042.715 Section 1042.715 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR POLLUTION..., Banking, and Trading for Certification § 1042.715 Banking emission credits. (a) Banking is the retention...

  6. The Cross-Section of Credit Risk Premia and Equity Returns

    DEFF Research Database (Denmark)

    Friewald, Nils; Wagner, Christian; Zechner, Josef

    Structural models a la Merton (1974) imply that rms' risk premia in equity and credit markets are related. We explore this relation, using the joint crosssection of stock returns and risk premia estimated from forward credit default swap (CDS) spreads. Consistent with structural models, we nd...... that rms' equity returns and Sharpe ratios increase with estimated credit risk premia and that the returns of buying high and selling low credit risk premium rms cannot be explained by traditional risk factors. Credit risk premia contain equity-relevant information neither captured by risk-neutral nor...

  7. Who needs credit and who gets credit in Eastern Europe

    NARCIS (Netherlands)

    Brown, M.; Ongena, S.; Popov, A.; Yesin, P.

    2011-01-01

    Based on survey data covering 8,387 firms in 20 countries we compare the access to bank credit for firms in Eastern Europe to that in selected Western European countries. Our analysis reveals five main results. First, the firm-level determinants of the propensity to apply are similar in Eastern and

  8. Preparation for the HEC 1999 Test Beam (photos obtained from TRIUMF)

    CERN Multimedia

    1999-01-01

    Photo1 - Three mated modules after rotation are ready to go in the cryostat. Photo2 - The mated modules on the rotator (at 45 degrees). Photo3 - The HEC-2 modules with all the outer connecting bars in place. Photo4 - The HEC-2 modules with two connecting bars still missing. Photo5 - the happy assembly team with three mated HEC - 1 modules. Photo6 - the inner tie-bars assembled on the HEC2 modules.

  9. COGEMA/TRANSNUCLEAIRE's experience with burnup credit

    International Nuclear Information System (INIS)

    Chanzy, Y.; Guillou, E.

    1998-01-01

    Facing a continuous increase in the fuel enrichments, COGEMA and TRANSNUCLEAIRE have implemented step by step a burnup credit programme to improve the capacity of their equipment without major physical modification. Many authorizations have been granted by the French competent authority in wet storage, reprocessing and transport since 1981. As concerns transport, numerous authorizations have been validated by foreign competent authorities. Up to now, those authorizations are restricted to PWR Fuel type assemblies made of enriched uranium. The characterization of the irradiated fuel and the reactivity of the systems are evaluated by calculations performed with well qualified French codes developed by the CEA (French Atomic Energy Commission): CESAR as a depletion code and APPOLO-MORET as a criticality code. The authorizations are based on the assurance that the burnup considered is met on the least irradiated part of the fuel assemblies. Besides, the most reactive configuration is calculated and the burnup credit is restricted to major actinides only. This conservative approach allows not to take credit for any axial profile. On the operational side, the procedures have been reevaluated to avoid misloadings and a burnup verification is made before transport, storage and reprocessing. Depending on the level of burnup credit, it consists of a qualitative (go/no-go) verification or of a quantitative measurement. Thus the use of burnup credit is now a common practice in France and Germany and new improvements are still in progress: extended qualifications of the codes are made to enable the use of six selected fission products in the criticality evaluations. (author)

  10. The Nitrate/(Per)Chlorate Relationship on Mars

    Science.gov (United States)

    Stern, Jennifer C.; Sutter, Brad; Jackson, W. Andrew; Navarro-Gonzalez, Rafael; McKay, Christopher P.; Ming, Douglas W.; Archer, P. Douglas; Mahaffy, Paul R.

    2017-01-01

    Nitrate was recently detected in Gale Crater sediments on Mars at abundances up to approximately 600 mg/kg, confirming predictions of its presence at abundances consistent with models based on impact-generated nitrate and other sources of fixed nitrogen. Terrestrial Mars analogs, Mars meteorites, and other solar system materials help establish a context for interpreting in situ nitrate measurements on Mars, particularly in relation to other cooccuring salts. We compare the relative abundance of nitrates to oxychlorine (chlorate and/or perchlorate, hereafter (per)chlorate) salts on Mars and Earth. The nitrate/(per)chlorate ratio on Mars is greater than 1, significantly lower than on Earth (nitrate/(per)chlorate greater than 10(exp.3)), suggesting not only the absence of biological activity but also different (per)chlorate formation mechanisms on Mars than on Earth.

  11. Credit Risk Evaluation : Modeling - Analysis - Management

    OpenAIRE

    Wehrspohn, Uwe

    2002-01-01

    An analysis and further development of the building blocks of modern credit risk management: -Definitions of default -Estimation of default probabilities -Exposures -Recovery Rates -Pricing -Concepts of portfolio dependence -Time horizons for risk calculations -Quantification of portfolio risk -Estimation of risk measures -Portfolio analysis and portfolio improvement -Evaluation and comparison of credit risk models -Analytic portfolio loss distributions The thesis contributes to the evaluatio...

  12. Credit Surety Fund: A credit innovation for micro, small, and medium-sized enterprises in the Philippines

    OpenAIRE

    Maningo, Gary V.

    2016-01-01

    Micro, small, and medium-sized enterprises are a backbone of the Philippine economy. One factor that hinders the growth of these enterprises is their difficulty in accessing finance from banks and other financial institutions. The Credit Surety Fund (CSF) was established to help these enterprises and other organizations become creditworthy and bankable. The CSF is a credit guarantee program initiated by the Bangko Sentral ng Pilipinas that enables enterprises and cooperatives to gain easier a...

  13. Science Driven Human Exploration of Mars

    Science.gov (United States)

    McKay, Christopher P.

    2004-01-01

    Mars appears to be cold dry and dead world. However there is good evidence that early in its history it had liquid water, more active volcanism, and a thicker atmosphere. Mars had this earth-like environment over three and a half billion years ago, during the same time that life appeared on Earth. The main question in the exploration of Mars then is the search for a independent origin of life on that planet. Ecosystems in cold, dry locations on Earth - such as the Antarctic - provide examples of how life on Mars might have survived and where to look for fossils. Fossils are not enough. We will want to determine if life on Mars was a separate genesis from life on Earth. For this determination we need to access intact martian life; possibly frozen in the deep old permafrost. Human exploration of Mars will probably begin with a small base manned by a temporary crew, a necessary first start. But exploration of the entire planet will require a continued presence on the Martian surface and the development of a self sustaining community in which humans can live and work for very long periods of time. A permanent Mars research base can be compared to the permanent research bases which several nations maintain in Antarctica at the South Pole, the geomagnetic pole, and elsewhere. In the long run, a continued human presence on Mars will be the most economical way to study that planet in detail. It is possible that at some time in the future we might recreate a habitable climate on Mars, returning it to the life-bearing state it may have enjoyed early in its history. Our studies of Mars are still in a preliminary state but everything we have learned suggests that it may be possible to restore Mars to a habitable climate. Additional information is contained in the original extended abstract.

  14. An Orbit Propagation Software for Mars Orbiting Spacecraft

    Directory of Open Access Journals (Sweden)

    Young-Joo Song

    2004-12-01

    Full Text Available An orbit propagation software for the Mars orbiting spacecraft has been developed and verified in preparations for the future Korean Mars missions. Dynamic model for Mars orbiting spacecraft has been studied, and Mars centered coordinate systems are utilized to express spacecraft state vectors. Coordinate corrections to the Mars centered coordinate system have been made to adjust the effects caused by Mars precession and nutation. After spacecraft enters Sphere of Influence (SOI of the Mars, the spacecraft experiences various perturbation effects as it approaches to Mars. Every possible perturbation effect is considered during integrations of spacecraft state vectors. The Mars50c gravity field model and the Mars-GRAM 2001 model are used to compute perturbation effects due to Mars gravity field and Mars atmospheric drag, respectively. To compute exact locations of other planets, JPL's DE405 ephemerides are used. Phobos and Deimos's ephemeris are computed using analytical method because their informations are not released with DE405. Mars Global Surveyor's mapping orbital data are used to verify the developed propagator performances. After one Martian day propagation (12 orbital periods, the results show about maximum ±5 meter errors, in every position state components(radial, cross-track and along-track, when compared to these from the Astrogator propagation in the Satellite Tool Kit. This result shows high reliability of the developed software which can be used to design near Mars missions for Korea, in future.

  15. Credit channels in Europe: a cross-country investigation

    Directory of Open Access Journals (Sweden)

    G.J. DE BONDT

    1999-09-01

    Full Text Available The work provides an economic analysis of the monetary transmission mechanism in Europe. The author reviews the literature on the money and credit view before describing cross-country differences in credit channel indicators and examining the existence of credit channels by distinguishing between households and firms. The relative importance of a bank lending and balance sheet channel is discussed by assessing impulse response functions from a vector error correction model.

  16. Atmospheric Mars Entry and Landing Investigations & Analysis (AMELIA) by ExoMars 2016 Schiaparelli Entry Descent Module

    Science.gov (United States)

    Ferri, F.; Karatekin, O.; Aboudan, A.; VanHove, B.; Colombatti, C.; Bettanini, C.; Debei, S.; Lewis, S.; Forget, F.

    2017-09-01

    On the 19th October 2016, Schiaparelli, the Entry Demonstrator Module (EDM) of the ESA ExoMars Program entered into the martian atmosphere. Although it did not complete a safe landing on Mars, it transmitted data throughout its descent to the surface, until the loss of signal at 1 minute before the expected touch-down on Mars' surface. From the flight data, we reconstruct the actual dynamics of the vehicle during its descent towards Mars's surface and retrieve the atmospheric profile, in terms of density, pressure and temperature, along its trajectory for atmospheric investigations.

  17. 26 CFR 1.1502-4 - Consolidated foreign tax credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 12 2010-04-01 2010-04-01 false Consolidated foreign tax credit. 1.1502-4... TAX (CONTINUED) INCOME TAXES Consolidated Tax Liability § 1.1502-4 Consolidated foreign tax credit. (a) In general. The credit under section 901 for taxes paid or accrued to any foreign country or...

  18. Expanding Choice: Tax Credits and Educational Access in Montana

    Science.gov (United States)

    Carpenter, Dick M., II; Ross, John K.

    2009-01-01

    The evidence advanced in this report demonstrates that using tax credits to fund scholarships for students is both well-established and sound practice. Three existing credits allow taxpayer funds to flow to faith-based organizations, and one of those, the Qualified Endowment Credit, rewards contributions to more than a thousand charitable…

  19. 12 CFR 725.17 - Applications for extensions of credit.

    Science.gov (United States)

    2010-01-01

    ... NATIONAL CREDIT UNION ADMINISTRATION CENTRAL LIQUIDITY FACILITY § 725.17 Applications for extensions of credit. (a) A Regular member may apply for a Facility advance to meet its liquidity needs by filing an... Agent by its member natural person credit unions for pending loans to meet liquidity needs; or (ii...

  20. 12 CFR 614.4356 - Farm Credit Leasing Services Corporation.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Leasing Services Corporation. 614... OPERATIONS Lending and Leasing Limits § 614.4356 Farm Credit Leasing Services Corporation. The Farm Credit Leasing Services Corporation may enter into a lease agreement with a lessee if the consolidated amount of...

  1. DOCUMENTARY LETTER OF CREDIT IN THE REGULATION OF 600-PARIS PUBLICATION

    Directory of Open Access Journals (Sweden)

    VASILE NEMES

    2011-04-01

    Full Text Available In the year 2007 was adopted the Publication no. 600 of Paris regarding the Rules and the Uniform Practices for documentary letters of credit which replaced the Publication no. 500. Publication no. 600 (UCP 600 is applied to all the irrevocable documentary letters of credit when the parties make express reference to these Rules. The Publication no. 600 includes uniform rules, international practices and standards of irrevocable documentary letters of credit. The new Publication has brought a number of changes on the issues regarding the performance of the letters of credit, both in the relationship with the nonbanking institutions participants and in the relationship between the credit institutions participating in the performance of the letter of credit. This study, without being exhaustive, aims to capture the main aspects of novelty brought by the publication no. 600 and their legal approach to the new perspective of the international trade relations. It has in view, in particular, the irrevocable character of the letter of credit, the elaboration method and procedure of the letter of credit, the participants to the unfolding of the specific relationship of the letter of credit and the main duties of the involved credit institutions.

  2. Nature and numbers a mathematical photo shooting

    CERN Document Server

    Glaeser, Georg

    2014-01-01

    The book offers 180 pages of spectacular photos and unusual views and insights. Learn to see the world with different eyes and be prepared for many surprises and new facts. The photos give rise to questions that are carefully explained with mathematics.

  3. Using non-performing loan ratios as default rates in the estimation of credit losses and macroeconomic credit risk stress testing: A case from Turkey

    Directory of Open Access Journals (Sweden)

    Guray Kucukkocaoglu

    2016-02-01

    Full Text Available In this study, inspired by the Credit Portfolio View approach, we intend to develop an econometric credit risk model to estimate credit loss distributions of Turkish Banking System under baseline and stress macro scenarios, by substituting default rates with non-performing loan (NPL ratios. Since customer number based historical default rates are not available for the whole Turkish banking system’s credit portfolio, we used NPL ratios as dependent variable instead of default rates, a common practice for many countries where historical default rates are not available. Although, there are many problems in using NPL ratios as default rates such as underestimating portfolio losses as a result of totally non-homogeneous total credit portfolios and transferring non-performing loans to asset management companies from banks’ balance sheets, our aim is to underline and limit some ignored problems using accounting based NPL ratios as default rates in macroeconomic credit risk modeling. Developed models confirm the strong statistical relationship between systematic component of credit risk and macroeconomic variables in Turkey. Stress test results also are compatible with the past experiences

  4. Mars Sample Handling Functionality

    Science.gov (United States)

    Meyer, M. A.; Mattingly, R. L.

    2018-04-01

    The final leg of a Mars Sample Return campaign would be an entity that we have referred to as Mars Returned Sample Handling (MRSH.) This talk will address our current view of the functional requirements on MRSH, focused on the Sample Receiving Facility (SRF).

  5. Astrobiology field research in Moon/Mars Analogue

    NARCIS (Netherlands)

    Foing, B.H.; Stoker, C.; Ehrenfreund, P.

    2011-01-01

    Extreme environments on Earth often provide similar terrain conditions to landing/operation sites on Moon and Mars. Several field campaigns (EuroGeoMars2009 and DOMMEX/ILEWG EuroMoonMars from November 2009 to March 2010) were conducted at the Mars Desert Research Station (MDRS) in Utah. Some of the

  6. The Effect of Gamma Radiation on Mars Mineral Matrices: Implications for Perchlorate Formation on Mars

    Science.gov (United States)

    Fox, A. C.; Eigenbrode, J. L.; Pavlov, A.; Lewis, J.

    2017-12-01

    Observations by the Phoenix Wet Chemistry Lab of the Martian surface indicate the presence of perchlorate in high concentrations. Additional observations by the Sample Analysis at Mars and the Viking Landers indirectly support the presence of perchlorate at other localities on Mars. The evidence for perchlorate at several localities on Mars coupled with its detection in Martian meteorite EETA79001 suggests that perchlorate is present globally on Mars. The presence of perchlorate on Mars further complicates the search for organic molecules indicative of past life. While perchlorate is kinetically limited in Martian conditions, the intermediate species associated with its formation or decomposition, such as chlorate or chlorite, could oxidize Martian organic species. As a result, it is vital to understand the mechanism of perchlorate formation on Mars in order to determine its role in the degradation of organics. Here, we explore an alternate mechanism of formation of perchlorate by bombarding Cl-salts and Mars-relevant mineral mixtures with gamma radiation both with and without the presence of liquid water, under vacuum. Previous work has shown that OClO can form from both UV radiation and energetic electrons bombardment of Cl-ices or Cl-salts, which then reacts with either OH- or O-radicals to produce perchlorate. Past research has suggested that liquid water or ice is the source of these hydroxyl and oxygen radicals, which limits the location of perchlorate formation on Mars. We demonstrate that trace amounts of perchlorate are potentially formed in samples containing silica dioxide or iron oxide and Cl-salts both with and without liquid water. Perchlorate was also detected in a portion of samples that were not irradiated, suggesting possible contamination. We did not detect perchlorate in samples that contained sulfate minerals. If perchlorate was formed without liquid water, it is possible that oxide minerals could be a potential source of oxygen radicals

  7. Trade credit, collateral liquidation, and borrowing constraints

    NARCIS (Netherlands)

    Fabbri, D.; Menichini, A.M.C.

    2010-01-01

    Assuming that firms’ suppliers are better able to extract value from the liquidation of assets in default and have an information advantage over other creditors, the paper derives six predictions on the use of trade credit. (1) Financially unconstrained firms (with unused bank credit lines) take

  8. 12 CFR 614.4000 - Farm Credit Banks.

    Science.gov (United States)

    2010-01-01

    ... make, provided the borrower eligibility, membership, term, amount, loan security, and stock or... Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending... the requirements in § 614.4200 of this part, to make real estate mortgage loans with maturities of not...

  9. Formal and informal credit in four provinces of Vietnam

    DEFF Research Database (Denmark)

    Barslund, Mikkel; Tarp, Finn

    2008-01-01

    This paper uses a survey of 932 rural households to uncover how the rural credit market operates in Vietnam. Households obtain credit through formal and informal lenders. Formal loans are almost entirely for production and asset accumulation, while informal loans are used for consumption smoothen......This paper uses a survey of 932 rural households to uncover how the rural credit market operates in Vietnam. Households obtain credit through formal and informal lenders. Formal loans are almost entirely for production and asset accumulation, while informal loans are used for consumption...

  10. Consumer Credit Card Use Intention and Influence Factors Analysis

    Directory of Open Access Journals (Sweden)

    Wang Yantao

    2017-01-01

    Full Text Available Credit card as a kind of advanced means of payment and the new way of consumer credit in the world widely, but in our country is faced with some problems, such as their per capita spending is low, open the card number is small, motionless bank card is a lot. In this paper, using the Logit model to analyze the Anshan city in Liaoning province consumer credit card usage. And combined with empirical analysis to provide banking management Suggestions and marketing countermeasures, including targeted to provide different kinds of credit card.

  11. Sovereign Credit Risk, Liquidity, and European Central Bank Intervention

    DEFF Research Database (Denmark)

    Pelizzon, Loriana; Subrahmanyam, Marti G.; Tomio, Davide

    2016-01-01

    We examine the dynamic relation between credit risk and liquidity in the Italian sovereign bond market during the eurozone crisis and the subsequent European Central Bank (ECB) interventions. Credit risk drives the liquidity of the market. A 10% change in the credit default swap (CDS) spread leads...... to a 13% change in the bid-ask spread, the relation being stronger when the CDS spread exceeds 500 basis points. The Long-Term Refinancing Operations of the ECB weakened the sensitivity of market makers’ liquidity provision to credit risk, highlighting the importance of funding liquidity measures...

  12. Effects of Credit on Economic Growth, Unemployment and Poverty

    OpenAIRE

    Sipahutar, Mangasa Augustinus

    2016-01-01

    Abstract               Effect of credit on economic growth, unemployment and poverty provides evidence from Indonesia on the role of banks credit for promoting economic growth and reducing both unemployment and poverty.  To document the link between banks credit and economic growth, we estimate a VAR model and variance decompositions of annual GDP per capita growth rates to examine what proxy measures of banks credit are most important in accounting for economic growth over time and ho...

  13. A Soft Intelligent Risk Evaluation Model for Credit Scoring Classification

    Directory of Open Access Journals (Sweden)

    Mehdi Khashei

    2015-09-01

    Full Text Available Risk management is one of the most important branches of business and finance. Classification models are the most popular and widely used analytical group of data mining approaches that can greatly help financial decision makers and managers to tackle credit risk problems. However, the literature clearly indicates that, despite proposing numerous classification models, credit scoring is often a difficult task. On the other hand, there is no universal credit-scoring model in the literature that can be accurately and explanatorily used in all circumstances. Therefore, the research for improving the efficiency of credit-scoring models has never stopped. In this paper, a hybrid soft intelligent classification model is proposed for credit-scoring problems. In the proposed model, the unique advantages of the soft computing techniques are used in order to modify the performance of the traditional artificial neural networks in credit scoring. Empirical results of Australian credit card data classifications indicate that the proposed hybrid model outperforms its components, and also other classification models presented for credit scoring. Therefore, the proposed model can be considered as an appropriate alternative tool for binary decision making in business and finance, especially in high uncertainty conditions.

  14. Sulphonated hypocrellin B sensitized photo damage to ascetic hepatoma cells

    International Nuclear Information System (INIS)

    Yue Jiachang; Wang Tiandun; Pang Suzhen; An Jingyi; Jiang Lijing

    1994-01-01

    The cellular uptake of sulphonated hypocrellin (S-HB), as well as photo damage on cellular viability, lipid peroxidation and intrinsic fluorescence quenching of membrane protein was studied. It was found that S-HB suitable dissolved in aqueous solution, its cellular uptake is slower than HB. The photo damage on cellular viability both photo sensitizers was close to each other, however the photo sensitizers were different in physical and chemical properties. The HB photo damage target of cells was membrane, but the sulphonated HB photo damage target of cells may be part of organelles, besides the membrane. the experiments showed the sulphonated HB would be suggested as a potential advantage for photodynamic therapy of tumor in clinical application

  15. Credit risk management in the power sector

    International Nuclear Information System (INIS)

    Allen, D.

    2002-01-01

    Deregulation of the electric power industry has the potential to put power businesses at market risk particularly when the value of an asset or liability will change with market movements. Market risk gives rise to credit risk where a contract cannot be fulfilled. This presentation describes how credit risks can be identified and measured. Most practitioners use some variant of value-at-risk (VAR) technology for measuring market risk. Under this approach, risk is determined by the volatility implied by the market. Volatility of electricity prices and natural gas prices has increased significantly in Alberta in recent years. The consequence is an increase in both market and credit risk. The author described the difference between the two risks and their significance. An overview of credit risk management with derivatives, an over-the counter contract, was also presented. The author also discusses issue of protection buyers in the event of a failed contract. 9 figs

  16. SILVER RECYCLING FROM PHOTO-PROCESSING WASTE USING ELECTRODEPOSITION METHOD

    Directory of Open Access Journals (Sweden)

    Mochammad Feri Hadiyanto

    2010-06-01

    Full Text Available Silver electrodeposition of photo-processing waste and without addition of KCN 1,0 M has been studied for silver recycling. Photo procesing waste containing silver in form of [Ag(S2O32]3- was electrolysed at constant potential and faradic efficiency was determined at various of electrolysis times. Electrolysis of 100 mL photo processing waste without addition of KCN 1,0 M was carried out at constant potential 1.20 Volt, while electrolysis 100 mL photo procesing waste with addition of 10 mL KCN 1,0 M electrolysis was done at 1.30 Volt.The results showed that for silver electrodeposition from photo processing waste with addition of KCN 1,0 M was more favorable with faradic efficiency respectively were 93,16; 87,02; 74,74 and 78,35% for 30; 60; 90 and 120 minutes of electrolysis.   Keywords: Silver extraction, electrodeposition, photo-processing waste

  17. 12 CFR 955.3 - Required credit risk-sharing structure.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Required credit risk-sharing structure. 955.3...-BALANCE SHEET ITEMS ACQUIRED MEMBER ASSETS § 955.3 Required credit risk-sharing structure. (a... conducting a rating review of the asset or pool of assets in a securitization transaction. (b) Credit risk...

  18. 12 CFR 221.125 - Credit to brokers and dealers.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Credit to brokers and dealers. 221.125 Section... SYSTEM CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U) Interpretations § 221.125 Credit to brokers and dealers. (a) The...

  19. 12 CFR 220.132 - Credit to brokers and dealers.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Credit to brokers and dealers. 220.132 Section 220.132 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM CREDIT BY BROKERS AND DEALERS (REGULATION T) Interpretations § 220.132 Credit to brokers and...

  20. Foreign currency exchange network topology across the 2008 credit crisis

    Science.gov (United States)

    Sharif, Shamshuritawati; Ap, Nuraisah Che; Ruslan, Nuraimi

    2017-05-01

    A stable world currency exchange rate is a very important aspect to be considered for a developed country, i.e Malaysia. A better understanding about the currencies itself is needed nowadays. This project is about to understanding the fluctuation and to identify the most influential world currencies in the three different cases; before credit crisis, during credit crisis and after credit crisis. A network topology approach is use to examine the interrelationship between currencies based on correlation analysis. With this point of view, those relationships can be measured by a correlation structure among the currencies. The network can be analyse by filtering the important information using minimum spanning tree (MST) and interpret it using degree centrality as the centrality measure. This topology will give a useful guide to understand the behaviour and determine the most influential currency in the network as a part of a complex system. All currencies are compared among the three different cases; before credit crisis, during credit crisis and after credit crisis period. The result of this project shows that Unites State Dollar (USD), Brazilian Real (BRL), United Kingdom Pound (EUR) and Danish Krone (DKK) are the most influential currencies before the credit crisis period. With respect to during the credit crisis, New Zealand Dollar (NZD) dominates the network and it is followed by Singapore Dollar (SGD) for after the credit crisis period.