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Sample records for prevent tar banking

  1. Coal Tar and Coal-Tar Pitch

    Science.gov (United States)

    Learn about coal-tar products, which can raise your risk of skin cancer, lung cancer, and other types of cancer. Examples of coal-tar products include creosote, coal-tar pitch, and certain preparations used to treat skin conditions such as eczema, psoriasis, and dandruff.

  2. Marine Tar Residues: a Review

    OpenAIRE

    Warnock, April M.; Hagen, Scott C.; Passeri, Davina L.

    2015-01-01

    Marine tar residues originate from natural and anthropogenic oil releases into the ocean environment and are formed after liquid petroleum is transformed by weathering, sedimentation, and other processes. Tar balls, tar mats, and tar patties are common examples of marine tar residues and can range in size from millimeters in diameter (tar balls) to several meters in length and width (tar mats). These residues can remain in the ocean environment indefinitely, decomposing or becoming buried in ...

  3. Coal tar in dermatology

    Energy Technology Data Exchange (ETDEWEB)

    Roelofzen, J.H.J.; Aben, K.K.H.; Van Der Valk, P.G.M.; Van Houtum, J.L.M.; Van De Kerkhof, P.C.M.; Kiemeney, L.A.L.M. [Radboud University Nijmegen Medical Center, Nijmegen (Netherlands). Dept. of Dermatology

    2007-07-01

    Coal tar is one of the oldest treatments for psoriasis and eczema. It has anti-inflammatory, antibacterial, antipruritic and antimitotic effects. The short-term side effects are folliculitis, irritation and contact allergy. Coal tar contains carcinogens. The carcinogenicity of coal tar has been shown in animal studies and studies in occupational settings. There is no clear evidence of an increased risk of skin tumors or internal tumors. Until now, most studies have been fairly small and they did not investigate the risk of coal tar alone, but the risk of coal tar combined with other therapies. New, well-designed, epidemiological studies are necessary to assess the risk of skin tumors and other malignancies after dermatological use of coal tar.

  4. Tar remover poisoning

    Science.gov (United States)

    ... is used to get rid of tar, a dark oily material. This article discusses health problems that ... into the lungs, and breathing machine (ventilator) Bronchoscopy: camera down the throat to look for burns in ...

  5. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2017-01-01

    The thaw period was a kind of bank from which our country set sail towards unexplored horizons. The series on the Moscow Palace of Young Pioneers is continued by the article by Felix Novikov (144-151, who writes about the history of the design of this wonderful building, today’s monument of architecture of Soviet modernism.

  6. Marine Tar Residues: a Review.

    Science.gov (United States)

    Warnock, April M; Hagen, Scott C; Passeri, Davina L

    Marine tar residues originate from natural and anthropogenic oil releases into the ocean environment and are formed after liquid petroleum is transformed by weathering, sedimentation, and other processes. Tar balls, tar mats, and tar patties are common examples of marine tar residues and can range in size from millimeters in diameter (tar balls) to several meters in length and width (tar mats). These residues can remain in the ocean environment indefinitely, decomposing or becoming buried in the sea floor. However, in many cases, they are transported ashore via currents and waves where they pose a concern to coastal recreation activities, the seafood industry and may have negative effects on wildlife. This review summarizes the current state of knowledge on marine tar residue formation, transport, degradation, and distribution. Methods of detection and removal of marine tar residues and their possible ecological effects are discussed, in addition to topics of marine tar research that warrant further investigation. Emphasis is placed on benthic tar residues, with a focus on the remnants of the Deepwater Horizon oil spill in particular, which are still affecting the northern Gulf of Mexico shores years after the leaking submarine well was capped.

  7. Characterization of acid tars

    Energy Technology Data Exchange (ETDEWEB)

    Leonard, Sunday A., E-mail: sunday.leonard@ucl.ac.uk [Department of Civil Environmental and Geomatic Engineering, University College London, Chadwick Building, Gower Street, London, WC1E 6BT (United Kingdom); Stegemann, Julia A. [Department of Civil Environmental and Geomatic Engineering, University College London, Chadwick Building, Gower Street, London, WC1E 6BT (United Kingdom); Roy, Amitava [J. Bennett Johnston, Sr., Centre for Advance Microstructures and Devices (CAMD), 6980 Jefferson Highway, Louisiana State University, Baton Rouge, LA, 70806 (United States)

    2010-03-15

    Acid tars from the processing of petroleum and petrochemicals using sulfuric acid were characterized by gas chromatography/mass spectrometry (GC/MS), inductively coupled plasma/optical emission spectrometry (ICP/OES), differential scanning calorimetry (DSC), Fourier transform infrared (FTIR) spectrometry, and scanning electron microscopy/energy dispersive X-ray (SEM/EDX) micro-analysis. Leaching of contaminants from the acid tars in 48 h batch tests with distilled water at a liquid-to-solid ratio 10:1 was also studied. GC/MS results show that the samples contained aliphatic hydrocarbons, cyclic hydrocarbons, up to 12 of the 16 USEPA priority polycyclic aromatic hydrocarbons (PAHs), and numerous other organic groups, including organic acids (sulfonic acids, carboxylic acids and aromatic acids), phenyl, nitrile, amide, furans, thiophenes, pyrroles, and phthalates, many of which are toxic. Metals analysis shows that Pb was present in significant concentration. DSC results show different transition peaks in the studied samples, demonstrating their complexity and variability. FTIR analysis further confirmed the presence of the organic groups detected by GC/MS. The SEM/EDX micro-analysis results provided insight on the surface characteristics of the samples and show that contaminants distribution was heterogeneous. The results provide useful data on the composition, complexity, and variability of acid tars; information which hitherto have been scarce in public domain.

  8. Prediction of tar ball formation

    International Nuclear Information System (INIS)

    Khelifa, A.; Gamble, L.

    2006-01-01

    The presence of small tar balls ranging in size from less than a millimetre to 60 centimetres have been observed during cleanup assessment operations following accidental oil spills on water. The tar balls are composed of heavy oil residues and suspended particulate matter (SPM) from the water column. They can be found on shorelines, settled on the seafloor and floating at or near the water surface. Their abundance on the shorelines varies from site to site and depends on the conditions of the spill and mixing conditions. Aggregation between SPM and micro-sized oil droplets occurs naturally in coastal waters and enhances the dispersion of spilled oil. Although tar balls are among the important end states of spilled oil in the marine environment, no model exists to estimate the percentage of the spilled oil that becomes tar balls. This paper offered some insight into the modeling of tar ball formation. Current modeling understanding of oil-SPM aggregate formation was used to predict tar ball formation. The formation of oil droplets was examined with respect to a range of conditions under which the formation of large droplets is expected. The role of aggregation was then presented to demonstrate the effects of concentration and type of SPM on the buoyancy of tar balls. Good agreement was found between modeling results and field data reported in the literature regarding the size and density of tar balls. Oil viscosity and mixing energy were found to be the main factors controlling the formation of tar balls. The aggregation of tar balls with SPM and shoreline material results in significant increases or decreases in density, depending on the type and concentration of SPM. 42 refs., 2 tabs., 6 figs

  9. A DEVICE AND METHOD FOR MEASURING TAR IN A TAR-ENVIRONMENT

    DEFF Research Database (Denmark)

    2017-01-01

    The present disclosure describes a device and corresponding method for measuring tar in a tar environment, e.g., a tar producing environment such as a stove or a combustion engine, based on UV absorption spectroscopy. A first measurement along an optical path in the tar environment is performed...... at a wavelength less than 340 nm at which both tar and non-tar elements absorb. This measurement is compensated for non-tar absorption by means of a second measurement at a wavelength equal to or greater than 340 nm at which tar does not absorb. From the non-tar compensated absorbance value a measure of tar...... in the tar environment is derived and an air intake in the tar environment is regulated based on the measure of tar....

  10. Metal catalysts for steam reforming of tar derived from the gasification of lignocellulosic biomass.

    Science.gov (United States)

    Li, Dalin; Tamura, Masazumi; Nakagawa, Yoshinao; Tomishige, Keiichi

    2015-02-01

    Biomass gasification is one of the most important technologies for the conversion of biomass to electricity, fuels, and chemicals. The main obstacle preventing the commercial application of this technology is the presence of tar in the product gas. Catalytic reforming of tar appears a promising approach to remove tar and supported metal catalysts are among the most effective catalysts. Nevertheless, improvement of catalytic performances including activity, stability, resistance to coke deposition and aggregation of metal particles, as well as catalyst regenerability is greatly needed. This review focuses on the design and catalysis of supported metal catalysts for the removal of tar in the gasification of biomass. The recent development of metal catalysts including Rh, Ni, Co, and their alloys for steam reforming of biomass tar and tar model compounds is introduced. The role of metal species, support materials, promoters, and their interfaces is described. Copyright © 2014 Elsevier Ltd. All rights reserved.

  11. Oocyte banking for anticipated gamete exhaustion (AGE) is a preventive intervention, neither social nor nonmedical.

    Science.gov (United States)

    Stoop, Dominic; van der Veen, Fulco; Deneyer, Michel; Nekkebroeck, Julie; Tournaye, Herman

    2014-05-01

    The scope of female fertility preservation through cryopreservation of oocytes or ovarian cortex has widened from mainly oncological indications to a variety of fertility-threatening conditions. So far, no specific universally accepted denomination name has been given to cryopreservation of oocytes or ovarian cortex for the prevention of age-related fertility decline. We argue that the commonly used phrases 'social' and 'nonmedical freezing' to denote the indication for cryopreservation are not entirely correct. We suggest 'AGE banking', as this has not only the advantage of being catchy but also depicts the exact indication for the strategy, anticipated gamete exhaustion. Copyright © 2014 Reproductive Healthcare Ltd. Published by Elsevier Ltd. All rights reserved.

  12. Topical tar: Back to the future

    Energy Technology Data Exchange (ETDEWEB)

    Paghdal, K.V.; Schwartz, R.A. [University of Medicine & Dentistry of New Jersey, Newark, NJ (United States)

    2009-08-15

    The use of medicinal tar for dermatologic disorders dates back to the ancient times. Although coal tar is utilized more frequently in modern dermatology, wood tars have also been widely employed. Tar is used mainly in the treatment of chronic stable plaque psoriasis, scalp psoriasis, atopic dermatitis, and seborrheic dermatitis, either alone or in combination therapy with other medications, phototherapy, or both. Many modifications have been made to tar preparations to increase their acceptability, as some dislike its odor, messy application, and staining of clothing. One should consider a tried and true treatment with tar that has led to clearing of lesions and prolonged remission times. Occupational studies have demonstrated the carcinogenicity of tar; however, epidemiologic studies do not confirm similar outcomes when used topically. This article will review the pharmacology, formulations, efficacy, and adverse effects of crude coal tar and other tars in the treatment of selected dermatologic conditions.

  13. Coal tar phototherapy for psoriasis reevaluated: erythemogenic versus suberythemogenic ultraviolet with a tar extract in oil and crude coal tar

    International Nuclear Information System (INIS)

    Lowe, N.J.; Wortzman, M.S.; Breeding, J.; Koudsi, H.; Taylor, L.

    1983-01-01

    Recent studies have questioned the therapeutic value of coal tar versus ultraviolet (UV) radiation and their relative necessity in phototherapy for psoriasis. In this investigation, different aspects of tar phototherapy have been studied in single-blind bilateral paired comparison studies. The effects of 1% crude coal tar were compared with those of petrolatum in conjunction with erythemogenic and suberythemogenic doses of ultraviolet light (UVB) using a FS72 sunlamp tubed cabinet. Crude coal tar was clinically superior to petrolatum with suberythemogenic ultraviolet. With the erythemogenic UVB, petrolatum was equal in efficacy to crude coal tar. Suberythemogenic UVB was also used adjunctively to compare the effects of a 5% concentration of a tar extract in an oil base to 5% crude coal tar in petrolatum or the oil base without tar. The tar extract in oil plus suberythemogenic UVB produced significantly more rapid improvement than the oil base plus UVB. The direct bilateral comparison of equal concentrations of tar extract in oil base versus crude coal tar in petrolatum in a suberythemogenic UV photo regimen revealed no statistical differences between treatments. In a study comparing tar extract in oil and the oil base without ultraviolet radiation, the tar extract in oil side responded more rapidly

  14. American Association for the Surgery of Trauma Prevention Committee topical overview: National Trauma Data Bank, geographic information systems, and teaching injury prevention.

    Science.gov (United States)

    Crandall, Marie; Zarzaur, Ben; Tinkoff, Glen

    2013-11-01

    Injury is the leading cause of death for all Americans aged 1 to 35 years, and injury-related costs exceed $100 billion per year in the United States. Trauma centers can be important resources for risk identification and prevention strategies. The authors review 3 important resources for injury prevention education and research: the National Trauma Data Bank, geographic information systems, and an overview of injury prevention education. The National Trauma Data Bank and the Trauma Quality Improvement Program are available through the Web site of the American College of Surgeons. Links to research examples using geographic information systems software and the National Trauma Data Bank are provided in the text. Finally, resources for surgical educators in the area of injury prevention are summarized and examples provided. Database research, geographic information systems, and injury prevention education are important tools in the field of injury prevention. This article provides an overview of current research and education strategies and resources. Copyright © 2013 Elsevier Inc. All rights reserved.

  15. Outcomes of disease prevention and management interventions in food pantries and food banks: protocol for a scoping review.

    Science.gov (United States)

    Long, Christopher R; Rowland, Brett; Steelman, Susan C; McElfish, Pearl A

    2017-10-05

    Food insecurity is a difficulty faced in many households. During periods of food insecurity, households often seek food supplied by food pantries and food banks. Food insecurity has been associated with increased risk for several health conditions. For this reason, food pantries and food banks may have great promise as intervention sites, and health researchers have begun targeting food pantries and food banks as sites for disease prevention or management interventions. The aim of the scoping review is to examine disease prevention or management interventions implemented in food pantries and food banks. Relevant electronic databases (eg, MEDLINE, Cumulative Index to Nursing and Allied Health Literature-CINAHL Complete, Science Citation Index, Cochrane Database of Systematic Reviews) will be searched for articles with a publication date of 1997 or later using Medical Subject Headings and key terms, including food aid, food banks, food pantries, food shelves, hunger, food insecurity and related concepts. For each de-duplicated study record identified by the search strategy, two reviewers will independently assess whether the study meets eligibility criteria (eg, related to intervention type, context). The reviewers will examine studies' titles, abstracts and full text, comparing eligibility decisions to address any discrepancies. For each eligible study, data extraction will be executed by two reviewers independently, comparing extracted data to address any discrepancies. Extracted data will be synthesised and reported in a narrative review assessing the coverage and gaps in existing literature related to disease prevention and management interventions implemented in food pantries. The review's results will be useful to healthcare practitioners who work with food-insecure populations, healthcare researchers and food pantry or food bank personnel. The results of this scoping review will be submitted for publication to a peer-reviewed journal, and the authors will

  16. Normative evaluation of blood banks in the Brazilian Amazon region in respect to the prevention of transfusion-transmitted malaria

    Directory of Open Access Journals (Sweden)

    Daniel Roberto Coradi Freitas

    2014-12-01

    Full Text Available Objective:To evaluate blood banks in the Brazilian Amazon region with regard to structure and procedures directed toward the prevention of transfusion-transmitted malaria (TTM.Methods:This was a normative evaluation based on the Brazilian National Health Surveillance Agency (ANVISA Resolution RDC No. 153/2004. Ten blood banks were included in the study and classified as 'adequate' (≥80 points, 'partially adequate' (from 50 to 80 points, or 'inadequate' (<50 points. The following components were evaluated: 'donor education' (5 points, 'clinical screening' (40 points, 'laboratory screening' (40 points and 'hemovigilance' (15 points.Results:The overall median score was 49.8 (minimum = 16; maximum = 78. Five blood banks were classified as 'inadequate' and five as 'partially adequate'. The median clinical screening score was 26 (minimum = 16; maximum = 32. The median laboratory screening score was 20 (minimum = 0; maximum = 32. Eight blood banks performed laboratory tests for malaria; six tested all donations. Seven used thick smears, but only one performed this procedure in accordance with Ministry of Health requirements. One service had a Program of External Quality Evaluation for malaria testing. With regard to hemovigilance, two institutions reported having procedures to detect cases of transfusion-transmitted malaria.Conclusion:Malaria is neglected as a blood–borne disease in the blood banks of the Brazilian Amazon region. None of the institutions were classified as 'adequate' in the overall classification or with regard to clinical screening and laboratory screening. Blood bank professionals, the Ministry of Health and Health Surveillance service managers need to pay more attention to this matter so that the safety procedures required by law are complied with.

  17. Tar loads on Omani beaches

    International Nuclear Information System (INIS)

    Badawy, M.I.; Al-Harthy, F.T.

    1991-01-01

    Owing to Oman's geographic position and long coastal line, the coastal areas of Oman are particularly vulnerable to oil pollution from normal tanker operations, illegal discharges, and accidental spills as well as local sources of oil input. UNEP carried out a survey on the coasts of Oman to determine the major sources of oil pollution and concluded that the major shoreline pollution problems in Oman arose from operational discharges of oil from passing vessels traffic. The oil, because of the high sea and air temperatures in the area, was subjected to relatively high rates of evaporation and photo-oxidation and tended to arrive at the coast as heavy petroleum particulate residues (tar balls). The aim of the present study was to measure the loads of tar balls in Omani coastal areas and to identify the source of oil pollutants on beaches

  18. Analysis of tars produced in biomass gasification

    Energy Technology Data Exchange (ETDEWEB)

    Zhou, J.; Wang, Y.; Kinoshita, C.M. [Univ. of Hawaii, Honolulu, HI (United States)

    1993-12-31

    Parametric tests on tar formation, varying temperature, equivalence ratio, and residence time, are performed on a bench-scale, indirectly-heated fluidized bed gasifier. Prepared tar samples are analyzed in a gas chromatograph (GC) with a flame ionization detector, using a capillary column. Standards containing dominant tar species have been prepared for GC calibration. The identified peaks include single-ring hydrocarbons, such as benzene, to five-ring hydrocarbons, such as perylene; depending on the gasification conditions, the identified species represent about 70 to 90% (mass basis) of the tar constituents. Under all conditions tested, benzene and naphthalene were the most dominant species. Temperature and equivalence ratio have significant effect on tar yield and tar composition. Tar yield decreases with increasing temperature or equivalence ratio. The test results suggest that lower temperature favors the formation of more aromatic tar species with diversified substituent groups, while higher temperature favors the formation of fewer aromatic tar species without substituent groups. Higher temperature or equivalence ratio favors the formation of polyaromatic compounds. Oxygen-containing compounds exist in significant quantities only at temperature below 800{degrees}C and decrease with increasing temperature, equivalence ratio, or residence time.

  19. Tar ball Monitoring Along the Kenyan Beaches.

    OpenAIRE

    Nguta, M.

    1993-01-01

    Observations and measurements of petroleum tar balls on a number of Kenyan beaches were carried out between 1979 and 1982. A large variation in the size and amount of tar deposit at the beaches was recorded. These values ranged from very small pebbles to large lumps of 30 cm in diameter, weighing up to 1.5 kg. The average tar loading during the sampling period ranged from 0-18 g/m2. Between 25-50% by weight of the tar lumps were shell fragments, sand and other nonpetroleum debris. The chemica...

  20. Analysis of the environmental control technology for tar sand development

    Energy Technology Data Exchange (ETDEWEB)

    de Nevers, N.; Glenne, B.; Bryner, C.

    1979-06-01

    The environmental technology for control of air pollution, water pollution, and for the disposal, stabilization, and vegetation of the waste tar sand were thoroughly investigated. Although some difficulties may be encountered in any of these undertakings, it seems clear that the air and water pollution problems can be solved to meet any applicable standard. Currently there are two large-scale plants producing liquid fuels from tar sands in Alberta, Canada which use similar technology involving surface mining, hot water extraction, and surface disposal of waste sand. These projects all meet the Canadian environmental control regulations in force at the time they began. The largest US deposits of tar sands are much smaller than the Canadian; 95 percent are located in the state of Utah. Their economics do not appear as attractive as the Canadian deposits. The environmental control costs are not large enough to make an otherwise economic project uneconomic. The most serious environmental conflict likely to occur over the recovery of liquid fuels from the US deposits of tar sands is that caused by the proximity of the deposits to national parks, national monuments, and a national recreation area in Utah. These areas have very stringent air pollution requirements; and even if the air pollution control requirements can be met, there may still be adequate opposition to large-scale mining ventures in these areas to prevent their commercial exploitation. Another environmental constraint may be water rights availability.Essentially all of the water running in the Colorado river basin is now legally allocated. Barring new interpretations of the legality of water rights purchase, Utah tar sands developments should be able to obtain water by purchasing existing irrigation water rights.

  1. An assessment of high and low temperature tars in Psoriasis.

    Science.gov (United States)

    Chapman, R S; Finn, O A

    1976-01-01

    Comparison of the efficacy of crude coal tar from high and low temperature sources in the treatment of patients suffering from chronic psoriasis showed the tars to be equally effective. High temperature tar was then compared with standard refined tar. Again, an equal therapeutic response was achieved. Crude coal tars obtained by the carbonization of coal in coke ovens and in smokeless fuel manufacture can be employed in dermatological therapy in place of the dwindling supplies of crude tar of gasworks origin.

  2. Sydney Tar Ponds Remediation: Experience to China

    Science.gov (United States)

    Liu, Fan; Bryson, Ken A.

    2009-01-01

    The infamous "Sydney Tar Ponds" are well known as one of the largest toxic waste sites of Canada, due to almost 100 years of steelmaking in Sydney, a once beautiful and peaceful city located on the east side of Cape Breton Island, Nova Scotia. This article begins with a contextual overview of the Tar Ponds issue including a brief…

  3. Commentary: Human papillomavirus and tar hypothesis for ...

    Indian Academy of Sciences (India)

    2010-08-09

    Aug 9, 2010 ... Commentary: Human papillomavirus and tar hypothesis for squamous cell cervical cancer. Christina Bennett Allen E Kuhn Harry W Haverkos. Volume 35 Issue 3 September 2010 pp ... Keywords. Cervical cancer; co-factors; human papillomavirus; tar-based vaginal douche; tobacco smoke; wood smoke ...

  4. Pulse dipolar ESR of doubly labeled mini TAR DNA and its annealing to mini TAR RNA.

    Science.gov (United States)

    Sun, Yan; Borbat, Peter P; Grigoryants, Vladimir M; Myers, William K; Freed, Jack H; Scholes, Charles P

    2015-02-17

    Pulse dipolar electron-spin resonance in the form of double electron electron resonance was applied to strategically placed, site-specifically attached pairs of nitroxide spin labels to monitor changes in the mini TAR DNA stem-loop structure brought on by the HIV-1 nucleocapsid protein NCp7. The biophysical structural evidence was at Ångstrom-level resolution under solution conditions not amenable to crystallography or NMR. In the absence of complementary TAR RNA, double labels located in both the upper and the lower stem of mini TAR DNA showed in the presence of NCp7 a broadened distance distribution between the points of attachment, and there was evidence for several conformers. Next, when equimolar amounts of mini TAR DNA and complementary mini TAR RNA were present, NCp7 enhanced the annealing of their stem-loop structures to form duplex DNA-RNA. When duplex TAR DNA-TAR RNA formed, double labels initially located 27.5 Å apart at the 3'- and 5'-termini of the 27-base mini TAR DNA relocated to opposite ends of a 27 bp RNA-DNA duplex with 76.5 Å between labels, a distance which was consistent with the distance between the two labels in a thermally annealed 27-bp TAR DNA-TAR RNA duplex. Different sets of double labels initially located 26-27 Å apart in the mini TAR DNA upper stem, appropriately altered their interlabel distance to ~35 Å when a 27 bp TAR DNA-TAR RNA duplex formed, where the formation was caused either through NCp7-induced annealing or by thermal annealing. In summary, clear structural evidence was obtained for the fraying and destabilization brought on by NCp7 in its biochemical function as an annealing agent and for the detailed structural change from stem-loop to duplex RNA-DNA when complementary RNA was present. Copyright © 2015 Biophysical Society. Published by Elsevier Inc. All rights reserved.

  5. Constitution and the prevention of nuclear holocaust: a reaction to professor Banks

    International Nuclear Information System (INIS)

    Carter, S.L.

    1986-01-01

    Responding to an article in which Professor William C. Banks argues that Congress can require the President to have the permission of a special committee of congressmen before ordering a first use of nuclear weapons, the author contends that the proposal, first offered by the Federation of American Scientists (FAS), cannot withstand constitutional tests. Congressional war power laws prohibit Congress from delegating this power to a committee since it must be the consent of the entire Congress. While supporting the concept of a crisis committee as well-intentioned, he argues that its role should be one of setting, not implementing policy

  6. Constitution and the prevention of nuclear holocaust: a reaction to professor Banks

    Energy Technology Data Exchange (ETDEWEB)

    Carter, S.L.

    1986-01-01

    Responding to an article in which Professor William C. Banks argues that Congress can require the President to have the permission of a special committee of congressmen before ordering a first use of nuclear weapons, the author contends that the proposal, first offered by the Federation of American Scientists (FAS), cannot withstand constitutional tests. Congressional war power laws prohibit Congress from delegating this power to a committee since it must be the consent of the entire Congress. While supporting the concept of a crisis committee as well-intentioned, he argues that its role should be one of setting, not implementing policy.

  7. Coal tar: past, present and future

    Energy Technology Data Exchange (ETDEWEB)

    Thami, G.P.; Sarkar, R. [Government Medical College & Hospital, Chandigarh (India). Dept. of Dermatology & Venerology

    2002-03-01

    Crude coal tar has been used in the treatment of dermatoses for many decades. In the last few years its use has been limited to skin diseases such as psoriasis and chronic dermatitis. Newer topical modalities for psoriasis are being used increasingly for treatment, but have failed to replace crude coal tar as a first-line treatment of psoriasis. The authors review the pharmacology, chemistry and use of crude coal tar in order to reappraise its role as a therapeutic agent in dermatology.

  8. Wood adhesives from Eucalyptus tar and creosote

    OpenAIRE

    Pimenta, AS; Vital, BR; Fujiwara, FY

    1997-01-01

    This study has shown that Eucalyptus tar and creosote can be used in phenolic adhesive formulations (resols) for wood products bonding. Some adhesives were prepared substituting 0; 17.7; 35.0 and 67.0% of the phenol by anhydrous tar and 0; 15.0 e 28.5% by creosote. In gluing Brazilian pine veneers, eucalypt tar and creosote based adhesives required longer pressing times for curing than conventional phenol-formaldehyde adhesives. By using C-13 NMR, the number of carbons in side chains and hydr...

  9. Characterization of acid tar waste from benzol purification | Danha ...

    African Journals Online (AJOL)

    The use of concentrated sulphuric acid to purify benzene, toluene and xylene produces acidic waste known as acid tar. The characterization of the acid tar to determine the composition and physical properties to device a way to use the waste was done. There were three acid tars two from benzene (B acid tar), toluene and ...

  10. Laboratory evaluation of selected tar sand asphalts

    Energy Technology Data Exchange (ETDEWEB)

    Button, J.W.; Epps, J.A.; Gallaway, B.M.

    1980-12-01

    Three tar sand asphalts of similar grades prepared from one syncrude by three different refining methods were characterized by tests commonly used to specify paving asphalts together with certain special tests. Asphalt-aggregate mixtures were prepared using these asphalts and tested in the laboratory to determine strength stiffness stability, tensile properties, temperature effects and water susceptibility. Comparison of the tar sand asphalt properties to conventional petroleum asphalt properties reveal no striking differences.

  11. Traditional Tar Production from the Anatolian Black Pine [Pinus nigra Arn. subsp. pallasiana (Lamb.) Holmboe var. pallasiana] and its usages in Afyonkarahisar, Central Western Turkey.

    Science.gov (United States)

    Arı, Süleyman; Kargıoğlu, Mustafa; Temel, Mehmet; Konuk, Muhsin

    2014-03-27

    Tar is one example of a plant product used in folk medicine and it is obtained from Pinus nigra Arn. subsp. pallasiana (Lamb.) Holmboe, which is very common in the West Anatolian Region. Old trees that are good for kindling and have thick trucks are preferred to obtain tar. Tar is used not only as traditional medicine but also for protection against both endoparasites and ectoparasites. The objective of this study was to record the traditional method of obtaining tar and its usages in Afyonkarahisar which is located in the Western Anatolian Region of Turkey. In order to record the traditional methods of obtaining tar, we visited the villages of Doğlat, Kürtyurdu and Çatağıl in Afyonkarahisar (Turkey) June-July, 2012. Ethnobotanical data about the method of collection and traditional usages of tar were obtained through informal interviews with 26 participants (16 men and 10 women). Data concerning the method of tar collection and its traditional usages were recorded and photographed. The traditional method for obtaining tar from Pinus nigra subsp. pallasiana by local people was recorded and the local usages (curing ear pain in children, osteomyelitis, wounds, ulcers, eczema, acne, alopecia, fungus, foot-and-mouth disease in animals, mouth sores in sheep and goats, protection against endo- and ectoparasites, repellent for snakes, mice, flies (Tabanus bovinus) and ticks, and the prevention of water leakage from roofs) of tar are described. In this study, the traditional method for obtaining tar and the traditional usages of tar are explained. Documentation of the method of obtaining tar and its traditional usages may contribute to scientific research on the benefits and usages of tar in medicine, veterinary medicine, as well as other fields.

  12. Tar Management and Recycling in Biomass Gasification and Syngas Purification

    Science.gov (United States)

    McCaffrey, Zach

    Removal of tars is critical to the design and operation of biomass gasification systems as most syngas utilization processing equipment (e.g. internal combustion engines, gas turbines, fuel cells, and liquid fuel synthesis reactors) have a low tolerance for tar. Capturing and disposal of tar is expensive due to equipment costs, high hazardous waste disposal costs where direct uses cannot be found, and system energy losses incurred. Water scrubbing is an existing technique commonly used in gasification plants to remove contaminants and tar; however using water as the absorbent is non-ideal as tar compounds have low or no water solubility. Hydrophobic solvents can improve scrubber performance and this study evaluated tar solubility in selected solvents using slip-streams of untreated syngas from a laboratory fluidized bed reactor operated on almond composite feedstock using both air and steam gasification. Tar solubility was compared with Hansen's solubility theory to examine the extent to which the tar removal can be predicted. As collection of tar without utilization leads to a hazardous waste problem, the study investigated the effects of recycling tars back into the gasifier for destruction. Prior to experiments conducted on tar capture and recycle, characterizations of the air and steam gasification of the almond composite mix were made. This work aims to provide a better understanding of tar collection and solvent selection for wet scrubbers, and to provide information for designing improved tar management systems for biomass gasification.

  13. ANALYSIS OF COAL TAR COMPOSITIONS PRODUCED FROM SUB-BITUMINOUS KALIMANTAN COAL TAR

    Directory of Open Access Journals (Sweden)

    Dewi Selvia Fardhyanti

    2016-10-01

    Full Text Available Coal tar is a liquid by-product of coal pyrolysis processes. This liquid oil mixture contains various kind of useful compounds such as benzoic aromatic compounds and phenolic compounds. These compounds are widely used as raw material for insecticides, dyes, medicines, perfumes, coloring matters, and many others. The coal tar was collected by pyrolysis process of coal obtained from PT Kaltim Prima Coal and Arutmin-Kalimantan. The experiments typically occurred at the atmospheric pressure in a laboratory furnace at temperatures ranging from 300 to 550oC with a heating rate of 10oC/min and a holding time of 1 hour at the pyrolysis temperature. The Gas Chromatography-Mass Spectroscopy (GCMS was used to analyze the coal tar components. The obtained coal tar has the viscosity of 3.12 cp, the density of 2.78 g/cm3, the calorific value of 11,048.44 cal/g, and the molecular weight of 222.67. The analysis result showed that the coal tar contained more than 78 chemical compounds such as benzene, cresol, phenol, xylene, naphtalene, etc. The total phenolic compounds contained in coal tar is 33.25% (PT KPC and 17.58% (Arutmin-Kalimantan. The total naphtalene compounds contained in coal tar is 14.15% (PT KPC and 17.13% (ArutminKalimantan.

  14. Tar removal from low-temperature gasifiers

    Energy Technology Data Exchange (ETDEWEB)

    Zwart, R.W.R. [ECN Biomass, Petten (Netherlands); Van der Heijden, Simon; Emmen, R. [Dahlman, Maassluis (Netherlands); Dall Bentzen, Jens [Dall Energy, Hoersholm (Denmark); Ahrenfeldt, Jesper [Risoe DTU, Roskilde (Denmark); Stoholm, Peder [DFBT, Roskilde (Denmark); Krogh, Jorn [Anhydro, Soeborg (Denmark)

    2010-05-15

    In the title project two gas cleaning technologies are adapted and tested in connection to low-temperature gasification. These concern the OLGA tar removal technology developed by the Dutch partners in the project and the cooling, filtration and partial oxidation developed by the Danish partners in the project. This project aimed at judging the technical and economical suitability of two up-scalable tar removal methods (OLGA and Partial Oxidation) connected to high-efficiency low-temperature gasification. Suitability opens the way to high efficient and high fuel flexible biomass gasification systems for the connection to gas engines, gas turbines, fuel cells or catalytic synthesis gas reactors.

  15. Family physicians and youth tobacco-free education: outcomes of the Colorado Tar Wars program.

    Science.gov (United States)

    Cain, Jeffrey J; Dickinson, W Perry; Fernald, Douglas; Bublitz, Caroline; Dickinson, L Miriam; West, David

    2006-01-01

    Tar Wars is a national school-based tobacco-free education program operated by the American Academy of Family Physicians. The Tar Wars lesson uses an interactive 45-min session taught by volunteer family physicians in 4th- and 5th-grade classrooms and focuses on the short-term image-based consequences of tobacco use. In this study, we evaluated the effectiveness of the Tar Wars program in Colorado with both quantitative and qualitative measures. Students participating in the quantitative evaluation were tested before and after a Tar Wars teaching session using a 14-question test covering the short-term and image-based consequences of tobacco use, cost of smoking, tobacco advertising, and social norms of tobacco use. Qualitative evaluation of the program included guided telephone interviews and focus groups with participating students, teachers, and presenters. Quantitative evaluation showed statistically significant improvement in correct responses for the 14 questions measured with an average increase in correct responses from 8.95 to 10.23. Three areas recommended by the Centers for Disease Control (CDC) for youth tobacco prevention showed greater change in correct responses, including cost of smoking, truth of tobacco advertising, and peer norms of tobacco use. Qualitative evaluation found that the overall message of the session was well received, that previously known tobacco information was reinforced by its presentation in a novel format, and that new information learned included cost of smoking, truth of tobacco advertising, and peer norms of tobacco use. The Tar Wars lesson plan is effective in increasing students' understanding about the short-term consequences of tobacco use, cost of tobacco use, truth of tobacco advertising, and peer norms. Tar Wars meets the CDC guidelines as one component of effective comprehensive youth tobacco prevention.

  16. Characterization of the HIV-1 TAR RNA-Tat peptide and drug interactions by on-line acoustic wave sensor

    Science.gov (United States)

    Tassew, Nardos Gobena

    This thesis presents the application of the thickness shear-mode (TSM) acoustic wave sensor to the study of RNA-protein and RNA-drug interactions at the solid-liquid interface. The binding of the human immunodeficiency virus-type 1 Tat protein to the trans-activation responsive RNA element (TAR) has been studied using this sensor. Data from such measurements show that the sensor is able to discriminate between different Tat peptides derived from the parent protein based on size. The effects of mutations introduced at specific sites in the protein and RNA on the TAR-Tat binding have also been examined in detail. Reduced level of response in acoustic parameters due to mutations was observed indicating that the decrease in binding in response to site specific mutations can be acoustically detected. Data from acoustic wave sensor measurements indicate that the TAR-Tat binding is also affected by ionic strength. Both the frequency and motional resistance signals show periodic responses when varying concentrations of salt are introduced on a TAR-modified surface. The binding of the two molecules seems to be a function of the response of the nucleic acid to salt concentrations. The kinetics of binding of Tat peptides to TAR RNA and to a bulge mutant analogue (MTAR) is also examined from the rate of change of the series resonant frequency. Results from such analysis illustrate longer Tat peptides formed more stable complexes with TAR RNA and exhibited increased discrimination between mutant and wild type TAR. The binding of two aminoglycoside antibiotics, neomycin and streptomycin, to TAR RNA and their effectiveness in preventing TAR-Tat complex formation has been studied in detail. Binding affinity is directly correlated with the inhibitory potency of these molecules and the TSM sensor shows that neomycin exhibits at least a ten fold greater affinity to TAR and that it is also a more potent inhibitor than streptomycin. The results from this research involving TAR-Tat and

  17. ANALYSIS OF COAL TAR COMPOSITIONS PRODUCED FROM SUB-BITUMINOUS KALIMANTAN COAL TAR

    OpenAIRE

    Dewi Selvia Fardhyanti; Astrilia Damayanti

    2016-01-01

    Coal tar is a liquid by-product of coal pyrolysis processes. This liquid oil mixture contains various kinds of useful compounds such as benzoic aromatic compounds and phenolic compounds. These compounds are widely used as raw material for insecticides, dyes, medicines, perfumes, coloring matters, and many others. The coal tar was collected by pyrolysis process of coal obtained from PT Kaltim Prima Coal and Arutmin-Kalimantan. The experiments typically occurred at the atmo...

  18. Pulse Dipolar ESR of Doubly Labeled Mini TAR DNA and Its Annealing to Mini TAR RNA

    OpenAIRE

    Sun, Yan; Borbat, Peter P.; Grigoryants, Vladimir M.; Myers, William K.; Freed, Jack H.; Scholes, Charles P.

    2015-01-01

    Pulse dipolar electron-spin resonance in the form of double electron electron resonance was applied to strategically placed, site-specifically attached pairs of nitroxide spin labels to monitor changes in the mini TAR DNA stem-loop structure brought on by the HIV-1 nucleocapsid protein NCp7. The biophysical structural evidence was at Ångstrom-level resolution under solution conditions not amenable to crystallography or NMR. In the absence of complementary TAR RNA, double labels located in bot...

  19. Can consumers bank on mergers?

    OpenAIRE

    Kerton, Robert / R

    2003-01-01

    How big do banks need to be to gain all the economies of scale? The largest Canadian banks already achieve scale economies and further increases in size can make them "too big to fail." Available evidence indicates normal monopoly risks will be passed on to Canadian firms and consumers if the largest banks merge. Improved service will make Canada's banks world competitive. Despite the banks' enthusiasm for heft to enter the US market, policy measures exist to prevent mergers that are contr...

  20. Physical and performance properties of coal tar urethanes - pipe

    International Nuclear Information System (INIS)

    Hickney, J.; Hendry, M.

    1984-01-01

    The purpose of this paper is to review certain physical properties of coal tar extended urethane coatings designed specifically for use in the pipe coatings market. The blend of coal tar and urethane resins provides a novel finished product with properties cumulatively inherent in its constituents. Typically, coal tar and coal tar pitch offer exceptional water resistance and cathodic alkali resistance when blended with other resins. An example is the standard coal tar epoxies used for many years in the marine markets for shipbottoms

  1. FRACTIONAL BANKING

    OpenAIRE

    Maria Klimikova

    2010-01-01

    Understanding the reasons of the present financial problems lies In understanding the substance of fractional reserve banking. The substance of fractional banking is in lending more money than the bankers have. Banking of partial reserves is an alternative form which links deposit banking and credit banking. Fractional banking is causing many unfavorable economic impacts in the worldwide system, specifically an inflation.

  2. Receiving demulsifying agent from the acid tar

    Energy Technology Data Exchange (ETDEWEB)

    Nikitina, A.A.; Belyaeva, A.S.; Kunakova, R.V. [FGBIHE ' Ufa State Academy of Economics and Services' , Ufa (Russian Federation); Movsumzade, E.M. [FGBIHE ' Ufa State Petroleum Technological Univ.' , Ufa (Russian Federation); Lapidus, A.L. [Russian Academy of Sciences, Moscow (Russian Federation). N.D. Zelinsky Institute of Organic Chemistry

    2012-07-01

    The processing of wastes of petrochemical production makes it possible to reduce the price of produced commodity of petroleum products substantially. Bitumen, fuel oils, tars and other mixture of heavy organic compounds are widely used in road construction, in paint and cable industries, manufacture of roofing materials, are used as boiler and furnace fuel, fuel for marine diesel engines, raw material for the production of modifying additives, fillers, surfaceactive substances, etc. (orig.)

  3. Islamic banking

    OpenAIRE

    Pak, Viktoriya

    2010-01-01

    The thesis is focused on introduction of Islamic banking system. Morover part of the work is devoted to a detailed description of the history of Islamic banking, on explanation of the principles on which the banking system is based. Also are analyzed in detail the basic Islamic banking products. And at the end are presented the advantages and disadvantages of the Islamic banking system.

  4. BANKING UNION - ROMANIAN PERSPECTIVE

    Directory of Open Access Journals (Sweden)

    Coroiu Sorina Ioana

    2015-07-01

    Full Text Available The financial crisis showed that banks were not able to face the loss, because there is no framework for a resolution, so that it intervened with money from taxpayers. So, it has been highlighted the need to update the regulations applicable to the banking sector. Creating a single supervisory mechanism in the fall of 2014 was a time reference point to achieve a banking union in Europe. Banking Union is one of the four foundations for a genuine Economic and Monetary Union. The paper’s purpose is to analyze the Banking Union structure, based on three pillars: (i The Single Supervisory Mechanism - the transfer of the main responsibility regarding banking supervision from national to European level, (ii The Single Resolution Mechanism - introduction of common provisions to ensure legal support required to manage bank failures problem, (iii The Deposit Guarantee Schemes - harmonization of deposit guarantee rules. These measures were adopted at European Union level to ensure the stability of the European banking system and to prevent future crises. Because countries that are not part of the euro area are not required to join the Banking Union, the dilemma of these countries lies in the decision to join the Banking Union quickly or to wait. It is the case of Romania, also, so, this paper analyze the opportunity of Romania's accession to the Banking Union before adopting the euro. There are analyzed the advantages and disadvantages of Romania's participation in the Banking Union, showing that, in the context of single currency introduction, Romania's participation is required. So far, there are reduced debates regarding the need, advantages and disadvantages of Romania's participation in the European Banking Union, the top representatives of the National Bank of Romania being among the few who expressed their views in public and published papers on the subject.

  5. Atmospheric tar balls: aged primary droplets from biomass burning?

    OpenAIRE

    Tóth, A.; Hoffer, A.; Nyirő-Kósa, I.; Pósfai, M.; Gelencsér, A.

    2014-01-01

    Atmospheric tar balls are particles of special morphology and composition that are fairly abundant in the plumes of biomass smoke. These particles form a specific subset of brown carbon (BrC) which has been shown to play a significant role in atmospheric shortwave absorption and, by extension, climate forcing. Here we suggest that tar balls are produced by the direct emission of liquid tar droplets followed by heat transformation upon biomass burning. For the first time in a...

  6. Banking contracts

    OpenAIRE

    Sochorová, Silvie

    2012-01-01

    Resumé - Bank Contracts Bank Contracts are an integral part of our everyday lives. Citizen and bussines entities used bank contracts very often. Despite this fact we can't find legal definition in the Czech law. Banking contracts understand contracts that are signed by banks in their business activities and obligations under these contracts arise. While the banking contracts have been widely used, in Czech law there is not too much literature and judgements abou this issue. Lack of legislatio...

  7. VAPOR PRESSURES AND HEATS OF VAPORIZATION OF PRIMARY COAL TARS

    Energy Technology Data Exchange (ETDEWEB)

    Eric M. Suuberg; Vahur Oja

    1997-07-01

    This project had as its main focus the determination of vapor pressures of coal pyrolysis tars. It involved performing measurements of these vapor pressures and from them, developing vapor pressure correlations suitable for use in advanced pyrolysis models (those models which explicitly account for mass transport limitations). This report is divided into five main chapters. Each chapter is a relatively stand-alone section. Chapter A reviews the general nature of coal tars and gives a summary of existing vapor pressure correlations for coal tars and model compounds. Chapter B summarizes the main experimental approaches for coal tar preparation and characterization which have been used throughout the project. Chapter C is concerned with the selection of the model compounds for coal pyrolysis tars and reviews the data available to us on the vapor pressures of high boiling point aromatic compounds. This chapter also deals with the question of identifying factors that govern the vapor pressures of coal tar model materials and their mixtures. Chapter D covers the vapor pressures and heats of vaporization of primary cellulose tars. Chapter E discusses the results of the main focus of this study. In summary, this work provides improved understanding of the volatility of coal and cellulose pyrolysis tars. It has resulted in new experimentally verified vapor pressure correlations for use in pyrolysis models. Further research on this topic should aim at developing general vapor pressure correlations for all coal tars, based on their molecular weight together with certain specific chemical characteristics i.e. hydroxyl group content.

  8. Tar removal from biomass gasification streams: processes and catalysts

    International Nuclear Information System (INIS)

    Quitete, Cristina P.B.; Souza, Mariana M.V.M.

    2014-01-01

    Biomass gasification is a technology that has attracted great interest in synthesis of biofuels and oxo alcohols. However, this gas contains several contaminants, including tar, which need to be removed. Removal of tar is particularly critical because it can lead to operational problems. This review discusses the major pathways to remove tar, with a particular focus on the catalytic steam reforming of tar. Few catalysts have shown promising results; however, long-term studies in the context of real biomass gasification streams are required to realize their potential. (author)

  9. Catalytic tar removal from biomass producer gas with secondary air

    Energy Technology Data Exchange (ETDEWEB)

    Lammers, G.; Beenackers, A.A.C.M. [University of Groningen (Netherlands). Dept. of Chemical Engineering; Corella, J. [Universidad Complutense, Madrid (Spain)

    1997-12-31

    The effect of air addition on biomass tar conversion in catalytic packed bed crackers was studied using both an isothermal micro reactor and a fluidised bed bench scale biomass gasification set up with down stream tar crackers. The micro reactor was applied for experiments with artificial biomass producer gas containing naphthalene as a model tar compound. Experiments were carried out with inert silica and catalytically active calcined dolomite bed material both with and without air addition. Experimental results with real tar from the fluidised bed bench scale gasification set up were in qualitative agreement with results from the micro reactor experiments. (author)

  10. Sunflower oil in the treatment of hot tar burns.

    Science.gov (United States)

    Türegün, M; Oztürk, S; Selmanpakoğlu, N

    1997-08-01

    Hot tar burns compose a unique class of thermal injury, because removal of this highly sticky compound may be very difficult without inflicting additional tissue damage. Early removal of tar facilitates assessment of the burn and improves patient comfort. Although the use of many substances for the painless removal of tar has been described, we used sunflower oil effectively in the treatment of four tar burn patients. This first report describes the practical and successful use of sunflower oil which was easily obtained from the hospital kitchen.

  11. Bioremediation potential of coal-tar-oil-contaminated soil

    International Nuclear Information System (INIS)

    Lajoie, C.A.

    1991-01-01

    The bioremediation of coal tar oil contaminated soil was investigated in 90 day laboratory simulation experiments. The effect of soil moisture, humic acid amendment, and coal tar oil concentration on the rate of disappearance of individual coal tar oil constituents (PAHs and related compounds) was determined by methylene chloride extraction and gas chromatography. Mass balance experiments determined the fate of both the individual 14 C-labeled PAHs phenanthrene, pyrene, and benzo(a)pyrene, and the total coal tar oil carbon. Mineralization, volatilization, incorporation into microbial biomass, disappearance of individual coal tar oil constitutents, and the distribution of residual 14 C-activity in different soil fractions were measured. The rate of disappearance of coal tar oil constituents increased with increasing soil moisture over the experimental range. Humic acid amendment initially enhanced the rate of disappearance, but decreased the extent of disappearance. The amount of contamination removed decreased at higher coal tar oil concentrations. The practical limit for biodegradation in the system tested appeared to be between 1.0 and 2.5% coal tar oil. Mineralization accounted for 40 to 50% of the applied coal tar oil. Volatilization was a minor pathway of disappearance

  12. Acid Tar Lagoons: Management and Recovery

    Science.gov (United States)

    Bohers, Anna; Hroncová, Emília; Ladomerský, Juraj

    2017-04-01

    This contribution presents the issue with possibility of definitive removal of dangerous environmental burden in Slovakia - serious historical problem of two acid tar lagoons. In relation to their removal, no technology has been found so far - technologically and economically suitable, what caused problems with its management. Locality Predajná is well known in Slovakia by its character of contrasts: it is situated in the picturesque landscape of National Park buffer zone of Nízke Tatry, on the other site it is contaminated by 229 211m3 of acid tar with its characteristics of toxicity, carcinogenicity, teratogenicity, mutagenicity and toxicity especially for animals and plants. Acid tar in two landfills with depth of 1m in case of the first lagoon and 9,5m in case of the second lagoon is a waste product derived from operation of Petrochema Dubová - refinery and petrochemical plant whose activity was to process the crude oil through processes of sulfonation and adsorption technology for producing lubricating and special oils, synthetic detergents and special white oils for cosmetic and medical purposes. A part of acid tar was incinerated in two incineration plats. Concentration of SO2 in combustion gases was too high and it was not possible to decrease it under the value of 2000 mg.mn-3 [LADOMERSKÝ, J. - SAMEŠOVÁ, D.: Reduction in sulfur dioxide emissions waste gases of incineration plant. Acta facultatis ecologiae. 1999, p. 217-223]. That is why it was necessary to put them out of operation. Later, because of public opposition it was not possible to build a new incineration plat corresponding to the state of the art. Even though actual Slovak and European legislative for protection of environment against such impacts, neither of tried methods - bio or non-biologic treatment methods - was proved as suitable for processing or for recovery in the reason of different factors admission: i.e. strong aggressivity, difficulty with handling because of its sludgy and

  13. Heating tar sands formations while controlling pressure

    Science.gov (United States)

    Stegemeier, George Leo [Houston, TX; Beer, Gary Lee [Houston, TX; Zhang, Etuan [Houston, TX

    2010-01-12

    Methods for treating a tar sands formation are described herein. Methods may include heating at least a section of a hydrocarbon layer in the formation from a plurality of heaters located in the formation. A pressure in the majority of the section may be maintained below a fracture pressure of the formation. The pressure in the majority of the section may be reduced to a selected pressure after the average temperature reaches a temperature that is above 240.degree. C. and is at or below pyrolysis temperatures of hydrocarbons in the section. At least some hydrocarbon fluids may be produced from the formation.

  14. Heating tar sands formations to visbreaking temperatures

    Science.gov (United States)

    Karanikas, John Michael [Houston, TX; Colmenares, Tulio Rafael [Houston, TX; Zhang, Etuan [Houston, TX; Marino, Marian [Houston, TX; Roes, Augustinus Wilhelmus Maria [Houston, TX; Ryan, Robert Charles [Houston, TX; Beer, Gary Lee [Houston, TX; Dombrowski, Robert James [Houston, TX; Jaiswal, Namit [Houston, TX

    2009-12-22

    Methods for treating a tar sands formation are described herein. Methods may include heating at least a section of a hydrocarbon layer in the formation from a plurality of heaters located in the formation. The heat may be controlled so that at least a majority of the section reaches an average temperature of between 200.degree. C. and 240.degree. C., which results in visbreaking of at least some hydrocarbons in the section. At least some visbroken hydrocarbon fluids may be produced from the formation.

  15. Tat-dependent production of an HIV-1 TAR-encoded miRNA-like small RNA

    NARCIS (Netherlands)

    Harwig, Alex; Jongejan, Aldo; van Kampen, Antoine H. C.; Berkhout, Ben; Das, Atze T.

    2016-01-01

    Evidence is accumulating that retroviruses can produce microRNAs (miRNAs). To prevent cleavage of their RNA genome, retroviruses have to use an alternative RNA source as miRNA precursor. The transacting responsive (TAR) hairpin structure in HIV-1 RNA has been suggested as source for miRNAs, but how

  16. Evaluation of Gravimetric Tar Determination in Particle Samples

    DEFF Research Database (Denmark)

    Hindsgaul, Claus; Henriksen, Ulrik B.; Bentzen, Jens Dall

    2000-01-01

    A comparison of tar determination of particles from a down-draft gasifier using soxhlet extractions (with anisole, dichloromethane and acetone) and pyrolysis of the particles.......A comparison of tar determination of particles from a down-draft gasifier using soxhlet extractions (with anisole, dichloromethane and acetone) and pyrolysis of the particles....

  17. 48 CFR Appendix to Part 1252 - Tar Matrix

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Tar Matrix Appendix to Part 1252 Federal Acquisition Regulations System DEPARTMENT OF TRANSPORTATION CLAUSES AND FORMS SOLICITATION PROVISIONS AND CONTRACT CLAUSES Pt. 1252, App. Appendix to Part 1252—Tar Matrix ER27DE05.000...

  18. Traditional African Religions (TARs): on HIV/AIDS, health and ...

    African Journals Online (AJOL)

    Traditional African Religions (TARs) played a big role in the well-being of the people especially in the field of health in the context of the World Health Organization definition. Unfortunately, they do not seem to have been given consideration in the fight against the current AIDS epidemic and its consequences. TARS being ...

  19. The extraction of bitumen from western tar sands

    Energy Technology Data Exchange (ETDEWEB)

    Oblad, A.G.; Bunger, J.W.; Deo, M.D.; Hanson, F.V.; Miller, J.D.; Seader, J.D.

    1990-07-01

    Topics discussed include: characterization of bitumen impregnated sandstone, water based tar sand separation technology, electrophoretic characterization of bitumen and fine mineral particles, bitumen and tar sand slurry viscosity, the hot water digestion-flotation process, electric field use on breaking water-in-oil emulsions, upgrading of bitumens and bitumen-derived liquids, solvent extraction.

  20. The extraction of bitumen from western tar sands. Annual report

    Energy Technology Data Exchange (ETDEWEB)

    Oblad, A.G.; Bunger, J.W.; Deo, M.D.; Hanson, F.V.; Miller, J.D.; Seader, J.D.

    1990-07-01

    Topics discussed include: characterization of bitumen impregnated sandstone, water based tar sand separation technology, electrophoretic characterization of bitumen and fine mineral particles, bitumen and tar sand slurry viscosity, the hot water digestion-flotation process, electric field use on breaking water-in-oil emulsions, upgrading of bitumens and bitumen-derived liquids, solvent extraction.

  1. The catalytic cracking mechanism of lignite pyrolysis char on tar

    International Nuclear Information System (INIS)

    Lei, Z.; Huibin, H.; Xiangling, S.; Zhenhua, M.; Lei, Z.

    2017-01-01

    The influence of different pyrolysis conditions for tar catalytic cracking will be analyzed according to the lignite pyrolysis char as catalyst on pyrolytic tar in this paper. The pyrolysis char what is the by-product of the cracking of coal has an abundant of pore structure and it has good catalytic activity. On this basis, making the modified catalyst when the pyrolysis char is activation and loads Fe by impregnation method. The cracking mechanism of lignite pyrolytic tar is explored by applying gas chromatograph to analyze splitting products of tar. The experimental results showed that: (1) The effect of tar cracking as the pyrolysis temperature, the heating rate, the volatilization of pyrolysis char and particle size increasing is better and better. The effect of the catalytic and cracking of lignite pyrolysis char in tar is best when the heating rate, the pyrolysis temperature, the volatiles of pyrolysis char, particle size is in specific conditions.(2) The activation of pyrolysis char can improve the catalytic effect of pyrolysis char on the tar cracking. But it reduces the effect of the tar cracking when the pyrolysis char is activation loading Fe. (author)

  2. Modeling Tar Recirculation in Biomass Fluidized Bed Gasification

    NARCIS (Netherlands)

    Heineken, Wolfram; De la Cuesta de Cal, Daniel; Zobel, Nico

    2016-01-01

    A biomass gasification model is proposed and applied to investigate the benefits of tar recirculation within a gasification plant. In the model, tar is represented by the four species phenol, toluene, naphthalene, and benzene. The model is spatially one-dimensional, assuming plug flow for the

  3. Characterization of Tar Deposits, Extraction and Sorption Properties

    Directory of Open Access Journals (Sweden)

    Pryszcz Adrian

    2016-06-01

    Full Text Available The main goal of this paper was to characterize and find a useful solution for the decomposition of tar deposits. For the experimental part, tar deposits, formed by polymerization and condensation reactions, were chosen from a storage tank for tars. At first the initial analyses of tar deposits (elemental, thermogravimetric, and calorimetric analyses were performed. After the characterization, the tar deposits were extracted in the Soxhlet extractor by acetone, toluene, and quinolone and activated with potassium hydroxide. As the final step of this work, the sorption characterization on the 3Flex Surface Characterization Analyzer (Micromeritics was performed. The specific surface area of the samples was evaluated using two methods - a single point measurement at p/p0=0.2 and BET method. Micropore and external surface areas were calculated based on a t-plot analysis (carbon black model.

  4. DECOMPOSITION OF TARS IN MICROWAVE PLASMA – PRELIMINARY RESULTS

    Directory of Open Access Journals (Sweden)

    Mateusz Wnukowski

    2014-07-01

    Full Text Available The paper refers to the main problem connected with biomass gasification - a presence of tar in a product gas. This paper presents preliminary results of tar decomposition in a microwave plasma reactor. It gives a basic insight into the construction and work of the plasma reactor. During the experiment, researches were carried out on toluene as a tar surrogate. As a carrier gas for toluene and as a plasma agent, nitrogen was used. Flow rates of the gases and the microwave generator’s power were constant during the whole experiment. Results of the experiment showed that the decomposition process of toluene was effective because the decomposition efficiency attained above 95%. The main products of tar decomposition were light hydrocarbons and soot. The article also gives plans for further research in a matter of tar removal from the product gas.

  5. BANKING SUPERVISION IN EUROPEAN UNION

    Directory of Open Access Journals (Sweden)

    Lavinia Mihaela GUȚU

    2013-10-01

    Full Text Available The need for prudential supervision imposed to banks by law arises from the action that banking market’s basic factors have. Therefore, it is about banks’ role in economy. The normal functioning of banks in all their important duties maintains the stability of banking system. Further, the stability of the entire economy depends on the stability of the banking system. Under conditions of imbalance regarding treasury or liquidity, banks are faced with unmanageable crisis and the consequences can be fatal. To ensure long-term stability of the banking system, supervisory regulations were constituted in order to prevent banks focusing on achieving rapidly high profits and protect the interests of depositors. Starting from this point, this paper will carry out a study on existing models of supervision in the European Union’s Member States. A comparison between them will support identifying the advantages and disadvantages of each of them.

  6. Final Safety Assessment of Coal Tar as Used in Cosmetics

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2008-07-01

    Coal Tar is a semisolid by-product obtained in the destructive distillation of bituminous coal, which functions in cosmetic products as a cosmetic biocide and denaturant-antidandruff agent is also listed as a function, but this is considered an over-the-counter (OTC) drug use. In 2002, Coal Tar was reported to the Food and Drug Administration (FDA) to be used in four formulations, all of which appear to be OTC drug products. Coal Tar is monographed by the FDA as Category I (safe and effective) OTC drug ingredient for use in the treatment of dandruff, seborrhoea, and psoriasis. Coal Tar is absorbed through the skin of animals and humans and is systemically distributed. Although the Cosmetic Ingredient Review (CIR) Expert Panel believes that Coal Tar use as an antidandruff ingredient in OTC drug preparations is adequately addressed by the FDA regulations, the Panel also believes that the appropriate concentration of use of Coal Tar in cosmetic formulations should be that level that does not have a biological effect in the user. Additional data needed to make a safety assessment include product types in which Coal Tar is used (other than as an OTC drug ingredient), use concentrations, and the maximum concentration that does not induce a biological effect in users.

  7. Atmospheric tar balls: aged primary droplets from biomass burning?

    Science.gov (United States)

    Tóth, A.; Hoffer, A.; Nyirő-Kósa, I.; Pósfai, M.; Gelencsér, A.

    2014-07-01

    Atmospheric tar balls are particles of special morphology and composition that are fairly abundant in the plumes of biomass smoke. These particles form a specific subset of brown carbon (BrC) which has been shown to play a significant role in atmospheric shortwave absorption and, by extension, climate forcing. Here we suggest that tar balls are produced by the direct emission of liquid tar droplets followed by heat transformation upon biomass burning. For the first time in atmospheric chemistry we generated tar-ball particles from liquid tar obtained previously by dry distillation of wood in an all-glass apparatus in the laboratory with the total exclusion of flame processes. The particles were perfectly spherical with a mean optical diameter of 300 nm, refractory, externally mixed, and homogeneous in the contrast of the transmission electron microscopy (TEM) images. They lacked any graphene-like microstructure and exhibited a mean carbon-to-oxygen ratio of 10. All of the observed characteristics of laboratory-generated particles were very similar to those reported for atmospheric tar-ball particles in the literature, strongly supporting our hypothesis regarding the formation mechanism of atmospheric tar-ball particles.

  8. Liquidity, Banking, and Bank Failures.

    OpenAIRE

    Williamson, Stephen D

    1988-01-01

    A multiperiod model with risk-neutral agents is constructed in which a liquidity problem arises in an equilibrium with decentralized tradin g in capital, which banking institutions are able to alleviate. Depos it contracts provide for early withdrawal, banks hold debt, and agent s who borrow from banks hold compensating balances. Institutional col lapse, or a state of the world when bank failures are experienced, is associated with a high demand for liquidity, low output, and a lower than ave...

  9. Bank regulation and banking stability

    NARCIS (Netherlands)

    Boot, A.; Thakor, A.V.

    2014-01-01

    This note discusses some issues in bank closure policy from a financial stability standpoint and how these issues have evolved since we first raised the question of how a reputation-driven divergence of interests between bank regulators and taxpayers may distort bank closure policy in our 1993 paper

  10. Is shadow banking really banking?

    OpenAIRE

    Bryan J. Noeth; Rajdeep Sengupta

    2011-01-01

    To those who don't know, the term "shadow banking" probably has a negative connotation. This primer draws parallels between what has been termed the shadow banking sector and the traditional banking sector—showing that they are similar in many ways.

  11. UTILIZATION OF AQUEOUS-TAR CONDENSATES FORMED DURING GASIFICATION

    Directory of Open Access Journals (Sweden)

    Anna Kwiecińska

    2016-11-01

    Full Text Available Gasification of solid fuels is an alternative process for energy production using conventional and renewable fuels. Apart from desired compounds, i.e. carbon oxide, hydrogen and methane, the produced gas contains complex organic (tars and inorganic (carbonizate, ammonia contaminants. Those substances, together with water vapor, condensate during cooling of the process gas, what results in the formation of aqueous-tar condensate, which requires proper methods of utilization. The management of this stream is crucial for commercialization and application of the gasification technology. In the paper the treatment of aqueous-tar condensates formed during biomass gasification process is discussed. The removal of tars from the stream was based on their spontaneous separation. The aqueous stream was subjected to ultrafiltration operated at different pressures. Such a treatment configuration enabled to obtain highly concentrated retentate, which could be recycled to the gasifier, and filtrate, which could be subjected to further treatment.

  12. Some studies on tar pillets at Veraval coast (Gujarat)

    Digital Repository Service at National Institute of Oceanography (India)

    Kadam, A.N.

    Infrared spectroscopic (IR) analysis indicated that the tar pillets contain saturated hydrocarbons particularly higher homologues of n-paraffins, unsaturated and carbonyl type of polar compounds. Gas chromatographic (GLC) fingerprint pattern...

  13. Source identification of a tar residue from Mumbai Beach

    Digital Repository Service at National Institute of Oceanography (India)

    Kadam, A.N.; Rokade, M.A.

    A tar residue from Mumbai Beach, Maharashtra, India was matched with the suspected source sample from a tanker using UV, IR and GLC techniques. Negligible differences in several ratios of UV absorbances and ratios of infrared transmittances...

  14. Production of oil from Intermountain West tar sands deposits

    Energy Technology Data Exchange (ETDEWEB)

    Glassett, J.M.; Glassett, J.A.

    1976-03-01

    Six tar sand deposits in the Intermountain West, each containing more than one billion barrels of oil in place, are identified. All of these deposits are in eastern Utah and contain a total of twenty-eight billion barrels of oil. The names of the six deposits arranged in descending order of desirability for large-scale surface-mining oil recovery operations are as follows: Sunnyside, Tar Sand Triangle, Asphalt Ridge, P.R. Spring, Circle Cliffs, and Hill Creek. An overview of each deposit is presented including geology, surface-mining variables, chemical processing variables, environmental aspects, and economics. A comparison of Utah tar sands and Athabasca, Alberta, Canada tar sands is also presented.

  15. Biogeochemical gradients above a coal tar DNAPL

    Energy Technology Data Exchange (ETDEWEB)

    Scherr, Kerstin E., E-mail: kerstin.brandstaetter-scherr@boku.ac.at [University of Natural Resources and Life Sciences Vienna (BOKU), Department IFA-Tulln, Institute for Environmental Biotechnology, Konrad Lorenz Strasse 20, 3430 Tulln (Austria); Backes, Diana [University of Natural Resources and Life Sciences Vienna (BOKU), Department IFA-Tulln, Institute for Environmental Biotechnology, Konrad Lorenz Strasse 20, 3430 Tulln (Austria); Scarlett, Alan G. [University of Plymouth, Petroleum and Environmental Geochemistry Group, Biogeochemistry Research Centre, Drake Circus, Plymouth, Devon PL4 8AA (United Kingdom); Lantschbauer, Wolfgang [Government of Upper Austria, Directorate for Environment and Water Management, Division for Environmental Protection, Kärntner Strasse 10-12, 4021 Linz (Austria); Nahold, Manfred [GUT Gruppe Umwelt und Technik GmbH, Ingenieurbüro für Technischen Umweltschutz, Plesching 15, 4040 Linz (Austria)

    2016-09-01

    Naturally occurring distribution and attenuation processes can keep hydrocarbon emissions from dense non aqueous phase liquids (DNAPL) into the adjacent groundwater at a minimum. In a historically coal tar DNAPL-impacted site, the de facto absence of a plume sparked investigations regarding the character of natural attenuation and DNAPL resolubilization processes at the site. Steep vertical gradients of polycyclic aromatic hydrocarbons, microbial community composition, secondary water quality and redox-parameters were found to occur between the DNAPL-proximal and shallow waters. While methanogenic and mixed-electron acceptor conditions prevailed close to the DNAPL, aerobic conditions and very low dissolved contaminant concentrations were identified in three meters vertical distance from the phase. Comprehensive two-dimensional gas chromatography–mass spectrometry (GC × GC–MS) proved to be an efficient tool to characterize the behavior of the present complex contaminant mixture. Medium to low bioavailability of ferric iron and manganese oxides of aquifer samples was detected via incubation with Shewanella alga and evidence for iron and manganese reduction was collected. In contrast, 16S rDNA phylogenetic analysis revealed the absence of common iron reducing bacteria. Aerobic hydrocarbon degraders were abundant in shallow horizons, while nitrate reducers were dominating in deeper aquifer regions, in addition to a low relative abundance of methanogenic archaea. Partial Least Squares – Canonical Correspondence Analysis (PLS-CCA) suggested that nitrate and oxygen concentrations had the greatest impact on aquifer community structure in on- and offsite wells, which had a similarly high biodiversity (H’ and Chao1). Overall, slow hydrocarbon dissolution from the DNAPL appears to dominate natural attenuation processes. This site may serve as a model for developing legal and technical strategies for the treatment of DNAPL-impacted sites where contaminant plumes are

  16. Brown carbon in tar balls from smoldering biomass combustion

    OpenAIRE

    R. K. Chakrabarty; H. Moosmüller; L.-W. A. Chen; K. Lewis; W. P. Arnott; C. Mazzolen; M. Dubey; C. E. Wold; W. M. Hao; S. M. Kreidenweis

    2010-01-01

    We report the direct observation of laboratory production of spherical, carbonaceous particles – "tar balls" – from smoldering combustion of two commonly occurring dry mid-latitude fuels. Real-time measurements of spectrally varying absorption Ångström coefficients (AAC) indicate that a class of light absorbing organic carbon (OC) with wavelength dependent imaginary part of its refractive index – optically defined as "brown carbon" – is an important component of tar balls. The spectrum of the...

  17. Catalytic destruction of tar in biomass derived producer gas

    International Nuclear Information System (INIS)

    Zhang Ruiqin; Brown, Robert C.; Suby, Andrew; Cummer, Keith

    2004-01-01

    The purpose of this study is to investigate catalytic destruction of tar formed during gasification of biomass, with the goal of improving the quality of the producer gas. This work focuses on nickel based catalysts treated with alkali in an effort to promote steam gasification of the coke that deposits on catalyst surfaces. A tar conversion system consisting of a guard bed and catalytic reactor was designed to treat the producer gas from an air blown, fluidized bed biomass gasifier. The guard bed used dolomite to crack the heavy tars. The catalytic reactor was used to evaluate three commercial steam reforming catalysts. These were the ICI46-1 catalyst from Imperial Chemical Industry and Z409 and RZ409 catalysts from Qilu Petrochemical Corp. in China. A 0.5-3 l/min slipstream from a 5 tpd biomass gasifier was used to test the tar conversion system. Gas and tar were sampled before and after the tar conversion system to evaluate the effectiveness of the system. Changes in gas composition as functions of catalytic bed temperature, space velocity and steam/TOC (total organic carbon) ratio are presented. Structural changes in the catalysts during the tests are also described

  18. Absorptive removal of biomass tar using water and oily materials.

    Science.gov (United States)

    Phuphuakrat, Thana; Namioka, Tomoaki; Yoshikawa, Kunio

    2011-01-01

    Water is the most common choice of absorption medium selected in many gasification systems. Because of poor solubility of tar in water, hydrophobic absorbents (diesel fuel, biodiesel fuel, vegetable oil, and engine oil) were studied on their absorption efficiency of biomass tar and compared with water. The results showed that only 31.8% of gravimetric tar was removed by the water scrubber, whereas the highest removal of gravimetric tar was obtained by a vegetable oil scrubber with a removal efficiency of 60.4%. When focusing on light PAH tar removal, the absorption efficiency can be ranked in the following order; diesel fuel>vegetable oil>biodiesel fuel>engine oil>water. On the other hand, an increase in gravimetric tar was observed for diesel fuel and biodiesel fuel scrubbers because of their easy evaporation. Therefore, the vegetable oil is recommended as the best absorbent to be used in gasification systems. Copyright © 2010 Elsevier Ltd. All rights reserved.

  19. Atmospheric tar balls: Particles from biomass and biofuel burning

    Science.gov (United States)

    Pósfai, MiháLy; GelencséR, AndráS.; Simonics, RenáTa; Arató, Krisztina; Li, Jia; Hobbs, Peter V.; Buseck, Peter R.

    2004-03-01

    "Tar balls" are amorphous, carbonaceous spherules that occur in the tropospheric aerosol as a result of biomass and biofuel burning. They form a distinct group of particles with diameters typically between 30 and 500 nm and readily identifiable with electron microscopy. Their lack of a turbostratic microstructure distinguishes them from soot, and their morphology and composition (˜90 mol % carbon) renders them distinct from other carbonaceous particles. Tar balls are particularly abundant in slightly aged (minutes to hours old) biomass smoke, indicating that they likely form by gas-to-particle conversion within smoke plumes. The material of tar balls is initially hygroscopic; however, the particles become largely insoluble as a result of free radical polymerization of their organic molecules. Consequently, tar balls are primarily externally mixed with other particle types, and they do not appreciably increase in size during aging. When tar balls coagulate with water-bearing particles, their material may partly dissolve and no longer be recognizable as distinct particles. Tar balls may contain organic compounds that absorb sunlight. They are an important, previously unrecognized type of carbonaceous (organic) atmospheric particle.

  20. Banking crises and government intervention

    OpenAIRE

    García-Palacios, Jaime H.; Hasman, Augusto; Samartín, Margarita

    2014-01-01

    Intervention has taken different forms in different countries and periods of time. Moreover, recent episodes showed that in front of an imminent crisis, the promise of no interventions made by governments is barely credible. In this paper we address the problem of resolving banking crises from the government perspective, taking into account the fact that preventing banking crises is crucial for the government. In addition, we introduce the moral hazard problem, inherent in the banking system,...

  1. The Dutch Banking Chipcard Game

    NARCIS (Netherlands)

    H.J. de Vries (Henk); G.W.J. Hendrikse (George)

    2001-01-01

    textabstractThe banks in the Dutch chipcard market initially agreed on one chipcard system. One system is attractive for companies as well as consumers. Companies, banks and retailers, prevent costs of duplication, while consumers enjoy the benefits of a widespread acceptance of one card and do not

  2. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    OpenAIRE

    IMOLA DRIGĂ

    2014-01-01

    In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspect...

  3. Reaction Mechanism of Tar Evolution in Biomass Steam Gasification for Hydrogen Production

    International Nuclear Information System (INIS)

    Shingo Katayama; Masahiro Suzuki; Atsushi Tsutsumi

    2006-01-01

    Reaction mechanism of tar evolution in steam gasification of biomass was investigated with a continuous cross-flow moving bed type differential reactor, in which tar and gases can be fractionated according to reaction time. We estimated that time profile of tar and gas evolution in the gasification of cellulose, xylan, and lignin, and compared it with experimental product time profile of real biomass gasification. The experimental tar evolution rate is different from estimated tar evolution rate. The estimated tar evolution rate has a peak at 20 s. On the other hand, the experimental tar evolution rate at 20 s is little, and tar at initial stage includes more water-soluble and water-insoluble compounds. It can be concluded that in the real biomass steam gasification the evolution of tar from cellulose and lignin component was found to be precipitated by that from hemi-cellulose component. (authors)

  4. Breaking e-Banking CAPTCHAs

    OpenAIRE

    Li, Shujun; Shah, Syed Amier Haider; Khan, Muhammad Asad Usman; Khayam, Syed Ali; Sadeghi, Ahmad-Reza; Schmitz, Roland

    2010-01-01

    Many financial institutions have deployed CAPTCHAs to protect their services (e.g., e-banking) from automated attacks. In addition to CAPTCHAs for login, CAPTCHAs are also used to prevent malicious manipulation of e-banking transactions by automated Man-in-the-Middle (MitM) attackers. Despite serious financial risks, security of e-banking CAPTCHAs is largely unexplored. In this paper, we report the first comprehensive study on e-banking CAPTCHAs deployed around the world. A new set of image p...

  5. Would a medium-nicotine, low-tar cigarette be less hazardous to health?

    OpenAIRE

    Stepney, R

    1981-01-01

    Smoking behaviour and exposure to carbon monoxide, nicotine, and tar were studied in 19 middle-tar smokers. All smoked their own brands for three weeks and then switched to either a conventional low-nicotine, low-tar brand (control) or a medium-nicotine, low-tar cigarette for a further three weeks, the order then being reversed. The medium-nicotine, low-tar brand also had a low delivery of carbon monoxide. With the medium-nicotine, low-tar cigarette mouth-level delivery and intake of nicotine...

  6. Thermocatalytic treatment of biomass tar model compounds via radio frequency.

    Science.gov (United States)

    Anis, Samsudin; Zainal, Z A; Bakar, M Z A

    2013-05-01

    A new effective RF tar thermocatalytic treatment process with low energy intensive has been proposed to remove tar from biomass gasification. Toluene and naphthalene as biomass tar model compounds were removed via both thermal and catalytic treatment over a wide temperature range from 850 °C to 1200 °C and 450 °C to 900 °C, respectively at residence time of 0-0.7 s. Thermal characteristics of the new technique are also described in this paper. This study clearly clarified that toluene was much easier to be removed than naphthalene. Soot was found as the final product of thermal treatment of the tar model and completely removed during catalytic treatment. Radical reactions generated by RF non-thermal effect improve the tar removal. The study showed that Y-zeolite has better catalytic activity compared to dolomite on toluene and naphthalene removal due to its acidic nature and large surface area, even at lower reaction temperature of about 550 °C. Copyright © 2013 Elsevier Ltd. All rights reserved.

  7. Coal-tar based pavement sealant toxicity to freshwater macroinvertebrates

    Energy Technology Data Exchange (ETDEWEB)

    Bryer, P.J.; Scoggins, M.; McClintock, N.L. [Lamar University, Beaumont, TX (United States). Dept. of Biology

    2010-05-15

    Non-point-source pollution is a major source of ecological impairment in urban stream systems. Recent work suggests that coal-tar pavement sealants, used extensively to protect parking areas, may be contributing a large portion of the polycyclic aromatic hydrocarbon (PAH) loading seen in urban stream sediments. The hypothesis that dried coal-tar pavement sealant flake could alter the macroinvertebrate communities native to streams in Austin, TX was tested using a controlled outdoor laboratory type approach. The treatment groups were: control, low, medium, and high with total PAH concentrations (TPAH = sum of 16 EPA priority pollutant PAHs) of 0.1, 7.5, 18.4, & 300 mg/kg respectively. The low, medium, and high treatments were created via the addition of dried coal-tar pavement sealant to a sterile soil. At the start of the 24-day exposure, sediment from a minimally impacted local reference site containing a community of live sediment-dwelling benthic macroinvertebrates was added to each replicate. An exposure-dependent response was found for several stream health measures and for several individual taxa. There were community differences in abundance (P = 0.0004) and richness (P < 0.0001) between treatments in addition to specific taxa responses, displaying a clear negative relationship with the amount of coal-tar sealant flake. These results support the hypothesis that coal-tar pavement sealants contain bioavailable PAHs that may harm aquatic environments.

  8. Global Banking System Regulatory Environment

    Directory of Open Access Journals (Sweden)

    Oleh Mozhovyi

    2017-03-01

    Full Text Available The international and domestic experience shows that the main factors of financial destabilization during the financial crises are in the banking sector. The article reveals that the vulnerability of the financial system is connected with functions, deposit and credit transactions, risks distribution and ensuring liquidity; banks act as a major factor in stabilisation measures in the current context of globalization processes, since the economic stability of banking activities relates directly to all the entities and only stable banking system can withstand the crisis phenomena. Therefore, as a result of the analysis, it is proved that not only reduction of risks of banks is needed, but also introduction of the effective supervision system over implementation of the requirements and standards to prevent these risks. According to modern international approaches, banks use the so-called prudential supervision, which is based on the risk management assessment policy on the part of the Bank’s management, and regulatory bodies contribute to implementation of such policy. The authors have concluded that not only modern specificity of banks, but also the impact of supervision systems and regulation of modern trends in development of the banking should be analysed. Application of the general regulatory principles and banking risks methodology is required. The task of supervision is distribution of reliable risk management practices in the banking system, taking into account national peculiarities of development.

  9. RADIOGENIC COMPONENTS OF THE NIGERIAN TAR SAND DEPOSITS

    Directory of Open Access Journals (Sweden)

    M. A. Oladunjoye

    2009-07-01

    Full Text Available A combination of factors has prevented the exploitation of the Nigerian tar sand deposits to date, among which is the environmental factor which may pose some dangers to both physical and biological components of the area of occurrence. Gamma ray spectrometric analysis was carried out on samples of bituminous sand deposits in parts of Southwestern Nigeria.The aims were to determine the presence and level of radioactivity of selected radionuclides and to assess the possible impact on the environment, and provide geochemical baseline that could be useful in planning appropriate environmental management programs that will reduce potential negative effect of exploiting the resourceson the environment.Twenty air-dried samples collected for this study were weighed and sealed for 28 days to enable them attain a state of secular equilibrium. They were subsequently analyzed for gamma-emitting radionuclides using Gamma-ray Spectrometer fitted with a calibrated Canberra vertical coaxial High purity Germanium Detector(HpGe system. The radio nuclides identified with reliable regularity belong to the decay series of naturally occurring radio nuclides headed by 238U, 232Th and naturally occurring 40K. Result showed that the radiogenic composition of the clay overburden (0.631mSvy-1, shale-(0.193mSvyr-1, and bituminous sand (0.446mSvyr-1, are lower than the normal background value considered harmful to man.

  10. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2014-12-01

    Full Text Available In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspects globally as well as in the Romanian banking system. Even if there already are several studies on web banking, this topic still remains a resourceful area for academic research in the next decade.

  11. Tar Removal from Biomass Producer Gas by Using Biochar

    DEFF Research Database (Denmark)

    Ravenni, Giulia; Henriksen, Ulrik Birk; Ahrenfeldt, Jesper

    2017-01-01

    The biomass-derived char (biochar) produced in the gasifier as a residue, is a potential solution for removing tars from producer gas. This work investigates the interaction between tar compounds and biochar. Residual biochar from a TwoStage gasifier was tested as bed material in a laboratory setup....... Phenol and naphthalene were chosen as model tars, and entrained in a nitrogen flow. The gaseous stream was sampled before and after the biochar bed to evaluate the extent of conversion. The biochar bed (30g) was tested at 250°C, 500°C and 600°C, with for 3 consecutive hours. The compounds concentration...... in the gas phase was quantified by stable isotope dilution analysis, using Gas Chromatography-Mass Spectrometry (GC-MS). Results showed a significant effect of biochar on the removal of phenol, at all temperatures. Naphthalene was removed less efficiently at higher temperature, and this trend was even more...

  12. Coal tar phototoxicity: characteristics of the smarting reaction

    International Nuclear Information System (INIS)

    Diette, K.M.; Gange, R.W.; Stern, R.S.; Arndt, K.A.; Parrish, J.A.

    1985-01-01

    The properties and ultraviolet exposure parameters of tar smarts were examined in an effort to elucidate the mechanisms involved. It was show that irradiation with 1 minimal smarting dose (MSD) of UVA immediately following tar removal lowered the MSD for 6 h, demonstrated by subsequent challenge with UVA. Following 3 MSDs this memory effect was demonstrable for 24 h. The smarting reaction was area dependent--smaller areas of exposure require higher doses of UVA to induce smarting. Smarting followed reciprocity over a 6-fold range of irradiances (2-12.5 mW/cm2) but higher irradiances required higher doses of UVA, perhaps due to a delay in the recognition and reporting of smarting. The smarting reaction and delayed erythema due to UVA and tar were equally blocked by sunscreen

  13. BANK GUARANTEES

    OpenAIRE

    Vasile NEME

    2012-01-01

    The present study propose the analyse of the irrevocable commitment of a bank entity towards a determined person, through which guarantees a certain legal conduct of its client, and, in case of breach, assumes the payment obligation of a determined amount of money. This kind of legal technique it is called bank guarantee and in the usual business language it is called “Letter of Bank Guarantee”. The determined reason to choose this scientific initiative it is the frequency of this kind of fin...

  14. Volatilisation of aromatic hydrocarbons from coal-tar contaminated soil

    International Nuclear Information System (INIS)

    Lindhardt, B.

    1994-09-01

    A study of the non-steady-state volatilisation of organic compounds from coal tar contaminated soil. The observed fluxes from the laboratory experiments were compared with the fluxes predicted by a diffusion model assuming that the behaviour of the compounds was ideal. The diffusive release from unsaturated soil was measured in the laboratory from soil samples originating from a former gasworks site, as well as from soils spiked in the laboratory with a single model compound. The volatilisation from the surface of coal-tar contaminated soil was measured from four samples of sandy soils originating from the same site. The flux was quantified for eleven selected aromatic hydrocarbons. Volatilisation was measured from similar coal tar contaminated soil samples located below a 5 cm layer of uncontaminated and biologically inhibited soil with a an organic carbon content of 1.1% or 0.11%.monocyclic aromatic compounds. The study showed that the flux of volatile aromatic hydrocarbons,the monocyclic and the 2-ringed polycyclic aromatic hydrocarbons from coal tar contaminated soil can be estimated within one order of magnitude by a model concept which assumes that the diffusion of the compounds is independent of each other and the change in the composition of the coal tar during the experimental period can be ignored. ignored. It requires that the distribution coefficients between the coal tar contaminated soil and water are known. Where the contaminated soil resides below uncontaminated soil, degradation of the aromatic hydrocarbons can be expected if the cover layer is aerobic. The degradation will reduce the flux significantly after a period of adaption. (AB)

  15. Remediation of sites with coal tar contamination. A case study

    International Nuclear Information System (INIS)

    Zapf-Gilje, R.; Patrick, G.C.; Lindroos, P.

    2000-01-01

    The production and use of coal tar was tied to the industrial revolution and its dependence on coal for energy and as chemical feedstock for a large range of organic and inorganic products. Coal tar was produced, often as a byproduct, by coal gasification plants. The North American coal tar production in the mid 1950s was in the order of 25 billion litres. The production, handling, storage and use of coal tar and its derivatives generated a legacy of soil and groundwater contamination that today requires remediation at high costs. At one such site, coal tar was manufactured into a variety of roofing and tarbased products, as well as the production of creosote, oil stains, solvents and anhydrous ammonia. Over its 60 years of operation, a number of chemicals were leaked, dumped or released to the soil and groundwater on the site, of which the most significant was a brown dense non-aqueous phase liquid (DNAPL) with an oil-like viscosity. This DNAPL migrated from the fill, through a pre-development floodplain silt layer and into an underlying sand aquifer. Portions of the DNAPL moved along preferential pathways associated with the coarser material in the aquifer and reached the nearby river sediments, resulting in elevated concentrations of polyaromatic hydrocarbons (PAH). Site remediation was conducted mitigate risks posed by the coal tar. Remediation has included: in-place management of deep soil contamination, removal of shallow soil with high PAH concentrations (i.e., 10 times the provincial concentration standards for commercial land use), control of dissolved contamination in groundwater, and recovery of free- phase creosote. The remediation also provided long-term protection of the adjacent aquatic habitat through a combination of groundwater and DNAPL control and recovery, removal of near-shore contaminated sediments, and containment and natural attenuation of far-shore contaminated sediments through the use of a layer of crushed rock placed as a protective cap

  16. Genesis and Persistence of Trust in Banks

    OpenAIRE

    Groessl, Ingrid; von Luede, Rolf; Fleck, Jan

    2013-01-01

    Against the background of the ongoing financial crisis the question of the genesis and persistence of trust in banks plays an important role not only for the prevention of bank runs and, related to this, for the regulation of banks, but also with respect to the perspective of customer loyalty of private investors towards their housebanks. Moreover, addressing issues of trust in banks will contribute to a better understanding of how private investors cope with the uncertainties and complexitie...

  17. Carbon materials for syngas conditioning and tar removal

    International Nuclear Information System (INIS)

    Romero Millán, Lina María; Sierra Vargas, Fabio Emiro

    2017-01-01

    Within the framework of worldwide energy context, the development of technologies and processes for energy production form renewable and non-conventional sources is a priority. According to this, gasification is an interesting process that converts different kinds of organic materials in fuel gases. The main issue related with this process is the fact that the producer gas contains also contaminants and tars that are undesirable for the gas usage in internal combustion motors or turbines. The present work aims to analyze the actual state of the existing methods to remove tars form gasification fuel gases, emphasizing the use of different kinds of carbon materials. (author)

  18. Identification of sources of tar balls deposited along the Goa coast, India, using fingerprinting techniques

    Digital Repository Service at National Institute of Oceanography (India)

    Suneel, V.; Vethamony, P.; Zakaria, M.P.; Naik, B.G.; Prasad, K.V.

    Deposition of tar balls along the coast of Goa, India is a common phenomenon during the southwest monsoon. Representative tar ball samples collected from various beaches of Goa and one Bombay High (BH) crude oil sample were subjected to fingerprint...

  19. In situ recovery of oil from Utah tar sand: a summary of tar sand research at the Laramie Energy Technology Center

    Energy Technology Data Exchange (ETDEWEB)

    Marchant, L.C.; Westhoff, J.D.

    1985-10-01

    This report describes work done by the United States Department of Energy's Laramie Energy Technology Center from 1971 through 1982 to develop technology for future recovery of oil from US tar sands. Work was concentrated on major US tar sand deposits that are found in Utah. Major objectives of the program were as follows: determine the feasibility of in situ recovery methods applied to tar sand deposits; and establish a system for classifying tar sand deposits relative to those characteristics that would affect the design and operation of various in situ recovery processes. Contents of this report include: (1) characterization of Utah tar sand; (2) laboratory extraction studies relative to Utah tar sand in situ methods; (3) geological site evaluation; (4) environmental assessments and water availability; (5) reverse combustion field experiment, TS-1C; (6) a reverse combustion followed by forward combustion field experiment, TS-2C; (7) tar sand permeability enhancement studies; (8) two-well steam injection experiment; (9) in situ steam-flood experiment, TS-1S; (10) design of a tar sand field experiment for air-stream co-injection, TS-4; (11) wastewater treatment and oil analyses; (12) economic evaluation of an in situ tar sand recovery process; and (13) appendix I (extraction studies involving Utah tar sands, surface methods). 70 figs., 68 tabs.

  20. Inhibition of intercellular communication by condensates of high and low tar cigarettes

    DEFF Research Database (Denmark)

    Vang, Ole; Wallin, H.; Autrup, H.

    1995-01-01

    condensates (CSC) and CSC fractions from high and low tar cigarettes was tested. CSC of both high and low tar cigarettes and fractions thereof contained tumor promoting activity. The tar yield of the cigarettes did not closely reflect the effects in the GJIC assay and the major constituent nicotine had...

  1. Experimental comparison of biomass chars with other catalysts for tar reduction

    NARCIS (Netherlands)

    Abu El-Rub, Z.; Bramer, E.A.; Brem, G.

    2008-01-01

    In this paper the potential of using biomass char as a catalyst for tar reduction is discussed. Biomass char is compared with other known catalysts used for tar conversion. Model tar compounds, phenol and naphthalene, were used to test char and other catalysts. Tests were carried out in a fixed bed

  2. [THE RESULTS OF IMPLEMENTATION OF THE INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT LOAN PROJECT "PREVENTION, DIAGNOSIS, AND TREATMENT OF TUBERCULOSIS AND AIDS", A "TUBERCULOSIS" COMPONENT].

    Science.gov (United States)

    2010-01-01

    Due to the implementation of the International Bank for Reconstruction and Development (IBRD) loan project "Prevention, diagnosis, treatment of tuberculosis and AIDS", a "Tuberculosis" component that is an addition to the national tuberculosis control program in 15 subjects of the Russian Federation, followed up by the Central Research Institute of Tuberculosis, Russian Academy of Medical Sciences, the 2005-2008 measures stipulated by the Project have caused substantial changes in the organization of tuberculosis control: implementation of Orders Nos. 109, 50, and 690 and supervision of their implementation; modernization of the laboratories of the general medical network and antituberbulosis service (404 kits have been delivered for clinical diagnostic laboratories and 12 for bacteriological laboratories, including BACTEC 960 that has been provided in 6 areas); 91 training seminars have been held at the federal and regional levels; 1492 medical workers have been trained in the detection, diagnosis, and treatment of patients with tuberculosis; 8 manuals and guidelines have been prepared and sent to all areas. In the period 2005-2008, the tuberculosis morbidity and mortality rates in the followed-up areas reduced by 1.2 and 18.6%, respectively. The analysis of patient cohorts in 2007 and 2005 revealed that the therapeutic efficiency evaluated from sputum smear microscopy increased by 16.3%; there were reductions in the proportion of patients having ineffective chemotherapy (from 16.1 to 11.1%), patients who died from tuberculosis (from 11.6 to 9.9%), and those who interrupted therapy ahead of time (from 11.8 to 7.8%). Implementation of the IBR project has contributed to the improvement of the national strategy and the enhancement of the efficiency of tuberculosis control.

  3. Phytotoxicity and Plant Productivity Analysis of Tar-Enriched Biochars

    Science.gov (United States)

    Keller, M. L.; Masiello, C. A.; Dugan, B.; Rudgers, J. A.; Capareda, S. C.

    2008-12-01

    Biochar is one of the three by-products obtained by the pyrolysis of organic material, the other two being syngas and bio-oil. The pyrolysis of biomass has generated a great amount of interest in recent years as all three by-products can be put toward beneficial uses. As part of a larger project designed to evaluate the hydrologic impact of biochar soil amendment, we generated a biochar through fast pyrolysis (less than 2 minutes) of sorghum stock at 600°C. In the initial biochar production run, the char bin was not purged with nitrogen. This inadvertent change in pyrolysis conditions produced a fast-pyrolysis biochar enriched with tars. We chose not to discard this batch, however, and instead used it to test the impact of tar-enriched biochars on plants. A suite of phytotoxicity tests were run to assess the effects of tar-rich biochar on plant germination and plant productivity. We designed the experiment to test for negative effects, using an organic carbon and nutrient-rich, greenhouse- optimized potting medium instead of soil. We used Black Seeded Simpson lettuce (Lactuca sativa) as the test organism. We found that even when tars are present within biochar, biochar amendment up to 10% by weight caused increased lettuce germination rates and increased biomass productivity. In this presentation, we will report the statistical significance of our germination and biomass data, as well as present preliminary data on how biochar amendment affects soil hydrologic properties.

  4. Perversities of Extreme Dependence and Unequal Growth in the TAR

    NARCIS (Netherlands)

    A.M. Fischer (Andrew Martín)

    2007-01-01

    textabstractThis first in a series of independent analyses by Andrew Martin Fischer, commissioned by Tibet Watch, a research-based organisation established in London in 2006, examines the rapid growth that has been generated in the Tibetan Autonomous Region (TAR) through the extremely heavy

  5. Pyrolysis kinetics of phenols from lignite semicoking tar

    Energy Technology Data Exchange (ETDEWEB)

    Platonov, V.V.; Polovetskaya, O.S.; Proskuryakov, V.A.; Shavyrina, O.A. [Leo Tolstoy Tula State Pedag University, Tula (Russian Federation)

    2002-11-01

    The features of pyrolysis of phenols from lignite semicoking tar were studied. The activation energy and order of the reactions of accumulation of methane, hydrogen, carbon monoxide and dioxide, naphthalene and its methyl homologs, phenols, and isomeric cresols and dimethylphenols were determined.

  6. Physical and chemical characterization of acid tar waste from crude ...

    African Journals Online (AJOL)

    In the present investigation gas chromatography/mass spectrometry (GC/MS), fourier transform infrared (FTIR), inductively coupled plasma/atomic emission spectrometry (ICP/AES), scanning electron microscopy with energy dispersive Xray (SEM/EDX) were mainly used to characterize the acid tar waste from crude benzol ...

  7. Literature Review on Possible Alternatives to Tar for Antiskid Layers

    NARCIS (Netherlands)

    Xiao, Y.

    2010-01-01

    In airports, there are different areas such as runways, taxiways, aprons and parking areas. For runways, good skid resistance and water drainage of the surface layer is necessary. Tar, because of its good adhesion properties and other advantages as mentioned above, is widely used in thin, high skid

  8. Perversities of Extreme Dependence and Unequal Growth in the TAR

    NARCIS (Netherlands)

    A.M. Fischer (Andrew Martín)

    2007-01-01

    textabstractThe official Chinese press recently came out with a series of articles reporting the latest statistics on the phenomenally rapid economic growth that has been taking place in the Tibet Autonomous Region (TAR) since the mid-1990s through sheer force of Central Government subsidies.

  9. Characterization of Graphitization in Coal Tar and Petroleum Pitches.

    Science.gov (United States)

    1985-08-01

    oven gas," composed mainly of hydrogen and methane. Some organic material still remains in the coal after the coke - oven gas is - driven off. Further...we will be concentrating on coal -tar and petroleum pitch sources (1). Pyrolysis Pyrolyzation, or pitch-to- coke transformation, takes place very...4 Pitch...........................6 Pyrolysis ..................................... 7 Coke ..........................................17 Carbonization

  10. Brown carbon in tar balls from smoldering biomass combustion

    Science.gov (United States)

    R. K. Chakrabarty; H. Moosmuller; L.-W. A. Chen; K. Lewis; W. P. Arnott; C. Mazzoleni; M. K. Dubey; C. E. Wold; W. M. Hao; S. M. Kreidenweis

    2010-01-01

    We report the direct observation of laboratory production of spherical, carbonaceous particles - "tar balls" - from smoldering combustion of two commonly occurring dry mid-latitude fuels. Real-time measurements of spectrally varying absorption Angstrom coefficients (AAC) indicate that a class of light absorbing organic carbon (OC) with wavelength dependent...

  11. Human papillomavirus and tar hypothesis for squamous cell cervical ...

    Indian Academy of Sciences (India)

    2010-08-09

    Aug 9, 2010 ... Keywords. Cervical cancer; co-factors; human papillomavirus; tar-based vaginal douche; tobacco smoke; wood smoke. Author Affiliations. Christina Bennett1 Allen E Kuhn2 Harry W Haverkos3. Indiana University School of Medicine, Indianapolis, Indiana 46202-5149, USA; Suite 300, Hamilton Mason Road ...

  12. Wet scrubbing of biomass producer gas tars using vegetable oil

    Science.gov (United States)

    Bhoi, Prakashbhai Ramabhai

    The overall aims of this research study were to generate novel design data and to develop an equilibrium stage-based thermodynamic model of a vegetable oil based wet scrubbing system for the removal of model tar compounds (benzene, toluene and ethylbenzene) found in biomass producer gas. The specific objectives were to design, fabricate and evaluate a vegetable oil based wet scrubbing system and to optimize the design and operating variables; i.e., packed bed height, vegetable oil type, solvent temperature, and solvent flow rate. The experimental wet packed bed scrubbing system includes a liquid distributor specifically designed to distribute a high viscous vegetable oil uniformly and a mixing section, which was designed to generate a desired concentration of tar compounds in a simulated air stream. A method and calibration protocol of gas chromatography/mass spectroscopy was developed to quantify tar compounds. Experimental data were analyzed statistically using analysis of variance (ANOVA) procedure. Statistical analysis showed that both soybean and canola oils are potential solvents, providing comparable removal efficiency of tar compounds. The experimental height equivalent to a theoretical plate (HETP) was determined as 0.11 m for vegetable oil based scrubbing system. Packed bed height and solvent temperature had highly significant effect (p0.05) effect on the removal of model tar compounds. The packing specific constants, Ch and CP,0, for the Billet and Schultes pressure drop correlation were determined as 2.52 and 2.93, respectively. The equilibrium stage based thermodynamic model predicted the removal efficiency of model tar compounds in the range of 1-6%, 1-4% and 1-2% of experimental data for benzene, toluene and ethylbenzene, respectively, for the solvent temperature of 30° C. The NRTL-PR property model and UNIFAC for estimating binary interaction parameters are recommended for modeling absorption of tar compounds in vegetable oils. Bench scale

  13. Monitoring of tar contents in gases. Final report

    Energy Technology Data Exchange (ETDEWEB)

    Petersen, Finn [ChimneyLab Europe ApS, Hadsten (Denmark); Houmann Jakobsen, H. [BioSynergi Proces ApS, Hoersholm (Denmark)

    2012-08-15

    The purpose of this project is to develop and test a relative cheap and simple online tar measuring method, which can monitor the tar content in product gas from thermal gasification. The measuring principle is absorption of tar from sample gas in Isopropanol (IPA), and measuring on this solution by UV-spectrophotometer. Continuous sampling of tar containing producer gas turned out to be a larger problem than earlier foreseen. The best solution was decided to be sampling with higher flows, and afterwards cleaning the IPA in activated carbon. The ambitions for continuous sampling had to be decreased to 1 week, where the IPA and the activated carbon is contaminated by tar and has to be replaced. However this requires larger amounts of IPA and activated carbon. For IPA the weekly consumption was 12-15 Litres and for activated carbon 10 Litres. The whole analyzer unit turned out to be more complex than first projected, mainly because of the increased amounts of IPA. The best mist filter, with respect to pressure drop, efficiency and retention time is a combination of glass wool and quarts wool. The unit has been tested on gas; 20 kW pellets burner for 116 hours. Harbooere updraft gasifier for 519 hours. Skive fluid bed gasifier for 879 hours. There have during the project period been several simple practical problems such as bubbles in the IPA, increasing pressure drop over the activated carbon bed, dropout of UV data acquisition program and increasing baseline. The principle showed from the beginning some good results, with the limitation of 1 week continuous operation, but at the 5. period in Skive the baseline was increasing all the time, and it was not possible to solve this problem. (LN)

  14. Risk estimates of impacts from emerging tar-sand technologies

    International Nuclear Information System (INIS)

    Daniels, J.I.; Anspaugh, L.R.; Ricker, Y.E.

    1982-01-01

    The North American continent has the largest tar-sand resources in the world with approximately 1.3x10 12 barrels of oil-equivalent in Canada and 3.6x10 10 barrels of oil-equivalent in the USA. Petroleum from these deposits can significantly increase crude oil supplies. However, no single oil-recovery process is likely to be applicable to all tar-sand deposits, which differ considerably in their geophysical and chemical properties. The authors have estimated the risk of occurrence of significant unfavourable environmental, health and safety impacts associated with tar-sand technologies. These estimates were made from information related to typical emerging surface (above ground) and in-situ (underground) tar-sand oil-recovery processes. Both types of processes are being developed for use on tar-sand deposits in the USA and may also be applicable to deposits in other countries. First, the levels of pollutant emissions affecting land, air and water were determined from data related to current US field experiments involving surface processes (including retort and solvent extraction methods), and in-situ techniques (including combustion and steam-injection methods). Next, these data were extrapolated to determine pollutant levels expected from conceptual commercial facilities producing 20,000 barrels per day. These estimates predict the nature and magnitude of environmental, health and safety impacts. The likelihood of occurrence of these impacts was then assessed. Experience from other industries, including information concerning health and ecosystem damage from air pollutants, measurements of groundwater transport of organic pollutants, and the effectiveness of environmental control technologies, was used to make this assessment, from which it was concluded that certain adverse effects are more likely to occur than others. These effects are discussed in the paper and ordered for surface and in-situ technologies according to their likelihood of occurrence

  15. Ensamblajes urbanos: la TAR y el examen de la ciudad

    Directory of Open Access Journals (Sweden)

    Ignacio Farías

    2011-03-01

    Full Text Available Este artículo presenta nuevas perspectivas de investigación y desafíos analíticos que la teoría del actor-red (TAR abre para los estudios urbanos. En primer lugar, se revisan cómo los principios de relacionalidad híbrida y asociatividad plana de la TAR están siendo adoptados en los estudios urbanos para ampliar simétricamente la ecología urbana a no-humanos e impugnar concepciones escalares del espacio y economías urbanas. A continuación, se propone que la TAR trae consigo un desafío más fundamental relativo a la concepción de la ciudad como objeto de estudio. Mientras su comprensión habitual como objeto espacial, entidad político-económica y/o forma sociocultural subraya su carácter singular, estable y delimitado, la TAR permite pensar la ciudad como un objeto múltiple y decentrado. La noción de ensamblajes urbanos se introduce entonces para dar cuenta de la circulación y devenir de la ciudad en múltiples redes híbridas y translocales. El artículo concluye sopesando algunas de las consecuencias de este exámen de la ciudad, especialmente el reposicionamiento del problema de la complejidad, urbana en este caso, como punto, si no de partida, entonces al menos de llegada para la TAR.

  16. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

    Mar 1, 2013 ... The findings of this study have motivated new recommendations for bank customers, bank management and shareholders with regard to electronic banking adoption for banking operations. Keywords: Electronic banking, returns on assets (ROA), returns on Equity (ROE), difference between means and ...

  17. 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...

  18. Researching the technology of tar removal from coke-chemical plants’ wastewater by reagent flotation method

    Directory of Open Access Journals (Sweden)

    Anna V. Ivanchenko

    2015-03-01

    Full Text Available The study aims to identify process patterns of tars and oils removal from phenolic wastewater by reagent flotation with bringing those components’ content to acceptable concentrations. For the first time established is the effect of Al2(SO43, AlCl3, FeSO4, Fe2(SO43, Al2(OH5Cl and FeCl3 doses onto residual tar content in phenolic wastewater. Results obtained give the possibility to prevent air pollution resulting from the toxic substances emission at the wet quenching with water containing excessive oils and to increase the quality of wastewater biological treatment. It is shown experimentally that the most efficient are Fe2(SO43, FeCl3 and Al2(OH5Cl at optimum concentrations of 50, 30 and 30 mg/dm3 respectively. The Al2(OH5Cl can be recommended for implementation at industry on existing coking plants and municipal wastewater treatment plants to improve the environmental air and water resources condition in Ukraine.

  19. Chemical and physical characteristics of tar samples from selected Manufactured Gas Plant (MGP) sites

    International Nuclear Information System (INIS)

    Ripp, J.; Taylor, B.; Mauro, D.; Young, M.

    1993-05-01

    A multiyear, multidisciplinary project concerning the toxicity of former Manufactured Gas Plant (MGP) tarry residues was initiated by EPRI under the Environmental Behavior of Organic Substances (EBOS) Program. This report concerns one portion of that work -- the collection and chemical characterization of tar samples from several former MGP sites. META Environmental, Inc. and Atlantic Environmental Services, Inc. were contracted by EPRI to collect several samples of tarry residues from former MGP sites with varied historical gas production processes and from several parts of the country. The eight tars collected during this program were physically very different. Some tars were fluid and easily pumped from existing wells, while other tars were thicker, semi-solid, or solid. Although care was taken to collect only tar, the nature of the residues at several sites made it impossible not to collect other material, such as soil, gravel, and plant matter. After the samples were collected, they were analyzed for 37 organic compounds, 8 metals, and cyanide. In addition, elemental analysis was performed on the tar samples for carbon, hydrogen, oxygen, sulfur and nitrogen content and several physical/chemical properties were determined for each tar. The tars were mixed together in different batches and distributed to researchers for use in animal toxicity studies. The results of this work show that, although the tars were produced from different processes and stored in different manners, they had some chemical similarities. All of the tars, with the exception of one unusual solid tar, contained similar relative abundances of polycyclic aromatic hydrocarbons (PAHs)

  20. Prevention

    Science.gov (United States)

    ... Error processing SSI file About Heart Disease & Stroke Prevention Heart disease and stroke are an epidemic in ... secondhand smoke. Barriers to Effective Heart Disease & Stroke Prevention Many people with key risk factors for heart ...

  1. Bank development; bank development efficiency; bank management; bank.

    OpenAIRE

    Самородов, Б. В.

    2014-01-01

    In the paper the theoretical research of determination of the essence of “management of bank financial development” is realized. The analysis is performed on the basis of substantial considering and comparing the philosophy and economical definitions of the components of its definition.

  2. The temporal relationship between advertising and sales of low-tar cigarettes.

    Science.gov (United States)

    Reed, Mark B; Anderson, Christy M; Burns, David M

    2006-12-01

    To determine whether a temporal relationship exists between the advertising and sales of low-tar cigarettes. It was hypothesised that increases in the advertising of low-tar cigarettes would precede increases in sales for these cigarettes. The themes of cigarette advertisements were reviewed and coded for 20 low-tar cigarette brands advertised in 13 widely read magazines in the US between 1960 and 1996. These 20 brands represented most of the low-tar cigarette advertisements and cigarette sales from 1967 to 1996. Cigarette sales data were obtained from the 1994 Maxwell report that summarises all cigarette sales from 1925 to 1990. If the advertisement referred to the low-tar attributes of the cigarette advertised, the advertisement was coded as having a low-tar theme and was included in the analysis. Five different graphical presentations of the relationship between the advertising and sales of the 20 low-tar cigarette brands showed a temporal relationship between low-tar advertising and sales for these brands. This relationship was observed for brands that introduced a low-tar alternative into an existing brand family (eg, Marlboro Light) and for new exclusively low-tar brands (eg, Carlton). Despite large increases in the advertising for the exclusively low-tar brands, sales of these brands remained low relative to sales of the low-tar alternative brands. Increases in print advertising of 20 of the most popular low-tar cigarette brands were followed by increases in sales for these cigarettes. Despite increases in the advertising of exclusively low-tar brands in the mid-1970s and early 1980s, the sales of these brands never matched the sales of the low-tar alternative brands. This suggests that it may have been easier to get smokers to switch to low-tar brands within a brand family compared with entirely new low-tar brands. Over the past 30 years, the marketing of low-tar cigarettes as a healthier alternative to higher-tar cigarettes has resulted in these brands

  3. The temporal relationship between advertising and sales of low‐tar cigarettes

    Science.gov (United States)

    Reed, Mark B; Anderson, Christy M; Burns, David M

    2006-01-01

    Objective and hypothesis To determine whether a temporal relationship exists between the advertising and sales of low‐tar cigarettes. It was hypothesised that increases in the advertising of low‐tar cigarettes would precede increases in sales for these cigarettes. Methods The themes of cigarette advertisements were reviewed and coded for 20 low‐tar cigarette brands advertised in 13 widely read magazines in the US between 1960 and 1996. These 20 brands represented most of the low‐tar cigarette advertisements and cigarette sales from 1967 to 1996. Cigarette sales data were obtained from the 1994 Maxwell report that summarises all cigarette sales from 1925 to 1990. If the advertisement referred to the low‐tar attributes of the cigarette advertised, the advertisement was coded as having a low‐tar theme and was included in the analysis. Results Five different graphical presentations of the relationship between the advertising and sales of the 20 low‐tar cigarette brands showed a temporal relationship between low‐tar advertising and sales for these brands. This relationship was observed for brands that introduced a low‐tar alternative into an existing brand family (eg, Marlboro Light) and for new exclusively low‐tar brands (eg, Carlton). Despite large increases in the advertising for the exclusively low‐tar brands, sales of these brands remained low relative to sales of the low‐tar alternative brands. Conclusions Increases in print advertising of 20 of the most popular low‐tar cigarette brands were followed by increases in sales for these cigarettes. Despite increases in the advertising of exclusively low‐tar brands in the mid‐1970s and early 1980s, the sales of these brands never matched the sales of the low‐tar alternative brands. This suggests that it may have been easier to get smokers to switch to low‐tar brands within a brand family compared with entirely new low‐tar brands. Over the past 30 years, the marketing of low‐tar

  4. Phenomenon of Swiss banking

    Directory of Open Access Journals (Sweden)

    Milenković Ivan

    2015-01-01

    Full Text Available Swiss banking is a 'generic name' for a system based on private banking and banking secrecy. In the introductory chapter we highlight the difference between Swiss banking and banking in the Switzerland's system. In the second chapter we present a more detailed description of the institution of banking secrecy, while in the third chapter we present the exceptions to it. The fourth chapter elaborates on the present and the future of Swiss banking. It is argued whether in the present circumstances banking secrecy has become disruptive to the further development of both Swiss banking and banking in Switzerland and whether Swiss banking will come to an end in the future.

  5. Evaluation of different oxygen carriers for biomass tar reforming

    DEFF Research Database (Denmark)

    Mendiara, Teresa; Johansen, Joakim Myung; Utrilla, Rubén

    2011-01-01

    This work is a continuation of a previous paper by the authors [1] which analyzed the suitability of the Chemical Looping technology in biomass tar reforming. Four different oxygen carriers were tested with toluene as tar model compound: 60% NiO/MgAl2O4 (Ni60), 40% NiO/NiAl2O4 (Ni40), 40% Mn3O4/Mg...... the amount of carbon deposited. The presence of CO2 could also decrease the carbon deposited on Ni40 at 1073K. According to both these and the previous results [1], it can be concluded that Mn40 is the most adequate for minimization of carbon deposition in Chemical Looping Reforming (CLR)....

  6. Hydrogen production from biomass tar by catalytic steam reforming

    International Nuclear Information System (INIS)

    Yoon, Sang Jun; Choi, Young-Chan; Lee, Jae-Goo

    2010-01-01

    The catalytic steam reforming of model biomass tar, toluene being a major component, was performed at various conditions of temperature, steam injection rate, catalyst size, and space time. Two kinds of nickel-based commercial catalyst, the Katalco 46-3Q and the Katalco 46-6Q, were evaluated and compared with dolomite catalyst. Production of hydrogen generally increased with reaction temperature, steam injection rate and space time and decreased with catalyst size. In particular, zirconia-promoted nickel-based catalyst, Katalco 46-6Q, showed a higher tar conversion efficiency and shows 100% conversion even relatively lower temperature conditions of 600 deg. C. Apparent activation energy was estimated to 94 and 57 kJ/mol for dolomite and nickel-based catalyst respectively.

  7. Bioventing PAH contamination at the Reilly Tar Site

    International Nuclear Information System (INIS)

    Alleman, B.C.; Hinchee, R.E.; Brenner, R.C.; McCauley, P.T.

    1995-01-01

    A pilot-scale bioventing demonstration has been in progress since November 1992 to determine if bioventing is an effective remediation treatment for polycyclic aromatic hydrocarbons (PAHs). The Reilly Tar and Chemical Corporation site in St. Louis Park, Minnesota, was selected for this demonstration. The location is the site of a former coal tar refinery and wood-preserving facility at which creosote in mineral oil served as the primary preservative. The goal of the project is to achieve 10% greater PAH removal over background degradation for each year of the 3-year study. Respiration measurements were made to estimate PAH biodegradation as a means of monitoring the progress of the technology. These measurements indicated that 13.4% and 17.3% degradation of the total PAH was possible during the first year and second year, respectively. Although not all of the respiration can be attributed conclusively to PAH metabolism, strong correlations were found between the PAH concentration and biodegradation rates

  8. Quantitative analysis of phenol and alkylphenols in Brazilian coal tar

    Directory of Open Access Journals (Sweden)

    Elina Bastos Caramão

    2004-04-01

    Full Text Available The main purpose of this work is the identification and quantification of phenolic compounds in coal tar samples from a ceramics factory in Cocal (SC, Brazil. The samples were subjected to preparative scale liquid chromatography, using Amberlyst A-27TM ion-exchange resin as stationary phase. The fractions obtained were classified as "acids" and "BN" (bases and neutrals. The identification and quantification of phenols, in the acid fraction, was made by gas chromatography coupled to mass spectrometry (GC/MS. Nearly twenty-five phenols were identified in the samples and nine of them were also quantified. The results showed that coal tar has large quantities of phenolic compounds of industrial interest.

  9. Cold Preparation of Heroin in a Black Tar Market.

    Science.gov (United States)

    Roth, Alexis M; Armenta, Richard F; Wagner, Karla D; Strathdee, Steffanie A; Goldshear, Jesse L; Cuevas-Mota, Jazmine; Garfein, Richard S

    2017-07-29

    Black tar heroin is typically prepared for injection with heat which decreases the risk of HIV transmission by inactivating the virus. We received reports that persons who inject drugs (PWID) in Tijuana, Baja California, Mexico, a black tar heroin market, were using only water to dissolve heroin. Because Tijuana abuts San Diego County, CA, United States, we undertook the present analyses to determine the prevalence of this practice among PWID in San Diego, California. PWID completed quarterly behavioral assessments and serological testing for blood-borne viruses. Bivariate and multivariable logistic regression models were constructed to assess for individual, social, and structural correlates of preparing heroin without heat within the preceding 6 months. Nearly half of black tar heroin users (149/305) reported they had prepared heroin without heat within 6 months. In multivariable analysis, cold preparation was independently associated with younger age (10 year decrease; AOR = 1.25; 95% CI 1.03, 1.53), more drug injecting acquaintances (per 5 acquaintance increase; AOR = 1.05; 95% CI 1.01, 1.09) and prefilled syringe use (injecting drugs from syringes that are already filled with drugs before purchase; AOR = 1.86; 95% CI 1.14, 3.02). Conclusions/Importance: To our knowledge, this is the first paper to report that PWID living in a black tar heroin market are preparing heroin without heat. Additional research is needed to determine whether this is an endemic practice or PWID are engaging in new forms of drug preparation in response to changes in the environment.

  10. An experimental evaluation of coke production from bituminous coal tar

    Energy Technology Data Exchange (ETDEWEB)

    Kaloc, M.; Janik, M.; Rojak, A.

    1981-01-01

    Results of studies of laboratory coking of bituminous coal tar are presented, which verify the technical feasibility and suitability of this engineering process for coke production. Thanks to the closed-system character of the process, it is suitable for technological and hygienic reasons. The yield of pitch coke is higher by comparison with that from chamber coking; also the properties of this coke are better; it is suitable for more varied applications, including the production of large-diameter graphite electrodes.

  11. Brown carbon in tar balls from smoldering biomass combustion

    Science.gov (United States)

    Chakrabarty, R. K.; Moosmüller, H.; Chen, L.-W. A.; Lewis, K.; Arnott, W. P.; Mazzoleni, C.; Dubey, M. K.; Wold, C. E.; Hao, W. M.; Kreidenweis, S. M.

    2010-07-01

    We report the direct observation of laboratory production of spherical, carbonaceous particles - "tar balls" - from smoldering combustion of two commonly occurring dry mid-latitude fuels. Real-time measurements of spectrally varying absorption Ångström coefficients (AAC) indicate that a class of light absorbing organic carbon (OC) with wavelength dependent imaginary part of its refractive index - optically defined as "brown carbon" - is an important component of tar balls. The spectrum of the imaginary parts of their complex refractive indices can be described with a Lorentzian-like model with an effective resonance wavelength in the ultraviolet (UV) spectral region. Sensitivity calculations for aerosols containing traditional OC (no absorption at visible and UV wavelengths) and brown carbon suggest that accounting for near-UV absorption by brown carbon leads to an increase in aerosol radiative forcing efficiency and increased light absorption. Since particles from smoldering combustion account for nearly three-fourths of the total carbonaceous aerosol mass emitted globally, inclusion of the optical properties of tar balls into radiative forcing models has significance for the Earth's radiation budget, optical remote sensing, and understanding of anomalous UV absorption in the troposphere.

  12. Brown carbon in tar balls from smoldering biomass combustion

    Directory of Open Access Journals (Sweden)

    R. K. Chakrabarty

    2010-07-01

    Full Text Available We report the direct observation of laboratory production of spherical, carbonaceous particles – "tar balls" – from smoldering combustion of two commonly occurring dry mid-latitude fuels. Real-time measurements of spectrally varying absorption Ångström coefficients (AAC indicate that a class of light absorbing organic carbon (OC with wavelength dependent imaginary part of its refractive index – optically defined as "brown carbon" – is an important component of tar balls. The spectrum of the imaginary parts of their complex refractive indices can be described with a Lorentzian-like model with an effective resonance wavelength in the ultraviolet (UV spectral region. Sensitivity calculations for aerosols containing traditional OC (no absorption at visible and UV wavelengths and brown carbon suggest that accounting for near-UV absorption by brown carbon leads to an increase in aerosol radiative forcing efficiency and increased light absorption. Since particles from smoldering combustion account for nearly three-fourths of the total carbonaceous aerosol mass emitted globally, inclusion of the optical properties of tar balls into radiative forcing models has significance for the Earth's radiation budget, optical remote sensing, and understanding of anomalous UV absorption in the troposphere.

  13. A network identity authentication protocol of bank account system based on fingerprint identification and mixed encryption

    Science.gov (United States)

    Zhu, Lijuan; Liu, Jingao

    2013-07-01

    This paper describes a network identity authentication protocol of bank account system based on fingerprint identification and mixed encryption. This protocol can provide every bank user a safe and effective way to manage his own bank account, and also can effectively prevent the hacker attacks and bank clerk crime, so that it is absolute to guarantee the legitimate rights and interests of bank users.

  14. Simulating Retail Banking for Banking Students

    Science.gov (United States)

    Supramaniam, Mahadevan; Shanmugam, Bala

    2009-01-01

    The purpose of this study was to examine the implementation flow and development of retail bank management simulation based training system which could provide a comprehensive knowledge about the operations and management of banks for the banking students. The prototype of a Retail banking simulation based training system was developed based on…

  15. Dissolution and transport of coal tar compounds in fractured clay-rich residuum

    DEFF Research Database (Denmark)

    Vulava, Vijay M.; McKay, Larry D.; Broholm, Mette Martina

    2012-01-01

    We investigated the dissolution and transport of organic contaminants from a crude coal tar mixture in a monolith of fractured clay-rich residuum. An electrolyte solution was eluted through the residuum monolith containing a small emplaced source of coal tar under biologically inhibited and mildly...... acidic conditions. Concentrations of 10 coal tar compounds, representing mono-, poly-, and heterocyclic aromatic hydrocarbons that constitute crude coal tar were monitored in the effluent over a period of 377 days. Most compounds appeared in the effluent within the first 0.1 pore volume eluted indicating...... to inhibit coal tar dissolution and subsequent transport, even though only a small portion of tar was in direct contact with fractures and macropores that control most flow. (C) 2011 Elsevier B.V. All rights reserved....

  16. Phenomenon of Swiss banking

    OpenAIRE

    Milenković Ivan; Milenković Dragana

    2015-01-01

    Swiss banking is a 'generic name' for a system based on private banking and banking secrecy. In the introductory chapter we highlight the difference between Swiss banking and banking in the Switzerland's system. In the second chapter we present a more detailed description of the institution of banking secrecy, while in the third chapter we present the exceptions to it. The fourth chapter elaborates on the present and the future of Swiss banking. It is argued whether in the present circumstanc...

  17. Prevention

    Science.gov (United States)

    ... Contact Aging & Health A to Z Find a Geriatrics Healthcare Professional Medications & Older Adults Making Your Wishes ... Prevention Hearing Loss Heart Attack High Blood Pressure Nutrition Osteoporosis Shingles Skin Cancer Related News Quitting Smoking, ...

  18. Turbine Fuels from Tar Sands Bitumen and Heavy Oil. Phase I. Preliminary Process Analysis.

    Science.gov (United States)

    1985-04-09

    JP-4, upgrading, refining, tar sands, bitumen, 21 04 05 heavy crude oil, hydrotreating , hydrocracking, hydrovisbreak 07 01 03 ina. delayed coking...significant reserves of coal , shale, heavy crudes, and tar sands. Coal , because it is more hydrogen deficient than either shale oil or bitumen, is more...Bitumen from Santa Rosa tar sands was processed in a single case study (Zi) of high severity two-stage residual oil hydrotreating . Low ash and low metals

  19. Hydrogen-rich syngas production and tar removal from biomass gasification using sacrificial tyre pyrolysis char

    OpenAIRE

    Al-Rahbi, AS; Williams, PT

    2017-01-01

    Carbonaceous materials have been proven to have a high catalytic activity for tar removal from the syngas produced from biomass gasification. The simultaneous reforming and gasification of pyrolysis gases and char could have a significant role in increasing the gas yield and decreasing the tar in the product syngas. This study investigates the use of tyre char as a catalyst for H2-rich syngas production and tar reduction during the pyrolysis-reforming of biomass using a two stage fixed bed re...

  20. Investigating Efficient Tar Management from Biomass and Waste to Energy Gasification Processes

    Science.gov (United States)

    2015-04-01

    tars or allow them to react excessively. A collet creates a minimal air leak path while the ball valve is opened and the probe is slid into...Heated Gravimetric Tar Sampling Probe. Figure 20 shows the actual heated probe along with the airlock system of the 2” ball valve and collet...FINAL REPORT Investigating Efficient Tar Management from Biomass and Waste to Energy Gasification Processes SERDP Project WP-2236 APRIL

  1. Modelling the low-tar BIG process; Modellering af low-tar BIG processen

    Energy Technology Data Exchange (ETDEWEB)

    Andersen, Lars Henrik

    2002-09-15

    This report describes the possibilities of integrating a biomass gasifier in a combined heat and power plant. The purpose of the study is, among others, to see if the gasification technology can challenge existing heat and power production methods. A research programme dealing with the construction of a low far gasifier (LT-BIG), which easily can be scaled to large gasification plants, is in progress. This report also contains a model formulation and implementation for this suggested low tar gasifier. All the models are created by the use of the energy simulation tool DNA. For some cases it has been necessary to develop new components or to alter existing components in DNA. Three different systems are considered; Gas Engine, Simple Cycle Gas Turbine and Combined Cycle. When biomass with and lower heating value of 19 MJ/kg and a moisture content of 50% is employed the subsequent results and designs are achieved: 1) The Engine plant utilizes the hot flue-gas to dry the biomass, but has difficulties taking advantage of the potential energy from the cooling of the syngas. An engine with a net electric efficiency of 40% at full load is computed to convert 38,5% of the energy content in the biomass to electricity. 2) The Simple Cycle Gas Turbine plant has good potential for integration with a gasifier. It dries the biomass by means of the flue-gas and recuperates the energy from the hot syngas to preheat the pressurised gas before it enters the combustion chamber. With an isentropic efficiency of 89% and a pressure ratio of 20, an electric efficiency of 38% is computed. 3) The Combined Cycle plant almost reach a computed efficiency of 45%. It utilises the cooling of the hot syngas to produce extra steam for the cycle, which results in a very steady efficiency, even when the moisture content of the fuel is changed. A grand parametric and sensitivity study of the LT-BIG model is carried out. The study includes estimates of the air demand for the gasifier and the partial

  2. The influence of partial oxidation mechanisms on tar destruction in TwoStage biomass gasification

    DEFF Research Database (Denmark)

    Ahrenfeldt, Jesper; Egsgaard, Helge; Stelte, Wolfgang

    2013-01-01

    and conversion. The study identifies the following major impact factors regarding tar content in the producer gas: oxidation temperature, excess air ratio and biomass moisture content. In a experimental setup, wood pellets were pyrolyzed and the resulting pyrolysis gas was transferred in a heated partial...... tar destruction and a high moisture content of the biomass enhances the decomposition of phenol and inhibits the formation of naphthalene. This enhances tar conversion and gasification in the char-bed, and thus contributes in-directly to the tar destruction....

  3. Study on Tar Generated from Downdraft Gasification of Oil Palm Fronds

    Science.gov (United States)

    Atnaw, Samson Mekbib; Kueh, Soo Chuan; Sulaiman, Shaharin Anwar

    2014-01-01

    One of the most challenging issues concerning the gasification of oil palm fronds (OPF) is the presence of tar and particulates formed during the process considering its high volatile matter content. In this study, a tar sampling train custom built based on standard tar sampling protocols was used to quantify the gravimetric concentration of tar (g/Nm3) in syngas produced from downdraft gasification of OPF. The amount of char, ash, and solid tar produced from the gasification process was measured in order to account for the mass and carbon conversion efficiency. Elemental analysis of the char and solid tar samples was done using ultimate analysis machine, while the relative concentration of the different compounds in the liquid tar was determined making use of a liquid gas chromatography (GC) unit. Average tar concentration of 4.928 g/Nm3 and 1.923 g/Nm3 was obtained for raw gas and cleaned gas samples, respectively. Tar concentration in the raw gas sample was found to be higher compared to results for other biomass materials, which could be attributed to the higher volatile matter percentage of OPF. Average cleaning efficiency of 61% which is comparable to that of sand bed filter and venturi scrubber cleaning systems reported in the literature was obtained for the cleaning system proposed in the current study. PMID:24526899

  4. Identification of sources of tar balls deposited along the Goa coast, India, using fingerprinting techniques

    International Nuclear Information System (INIS)

    Suneel, V.; Vethamony, P.; Zakaria, M.P.; Naik, B.G.; Prasad, K.V.S.R.

    2013-01-01

    Highlights: ► This is first fingerprinting study in India on identification of source of tar balls. ► Tar balls were formed from tanker-wash spills and they resemble floating tar ball. ► δ 13 C values of Bombay High crude oil and the present tar balls do not match. ► Compound specific stable carbon isotope analysis confirmed the source of tar balls. ► Source is confirmed as the South East Asian Crude Oil and not the Bombay High crude. -- Abstract: Deposition of tar balls along the coast of Goa, India is a common phenomenon during the southwest monsoon. Representative tar ball samples collected from various beaches of Goa and one Bombay High (BH) crude oil sample were subjected to fingerprint analysis based on diagnostic ratios of n-alkane, biomarkers of pentacyclic tri-terpanes and compound specific stable carbon isotope (δ 13 C) analysis to confirm the source. The results were compared with the published data of Middle East Crude Oil (MECO) and South East Asian Crude Oil (SEACO). The results revealed that the tar balls were from tanker-wash derived spills. The study also confirmed that the source is not the BH, but SEACO. The present study suggests that the biomarkers of alkanes and hopanes coupled with stable carbon isotope analysis act as a powerful tool for tracing the source of tar balls, particularly when the source specific biomarkers fail to distinguish the source

  5. Ethoxylation as aid to separate brown coal low-temperature carbonization tars and high-temperature tars. Die Aethoxylierung als Hilfsmittel zur Auftrennung von Braunkohlenschwel- und Hochtemperaturteeren

    Energy Technology Data Exchange (ETDEWEB)

    Vogts, A.

    1979-02-23

    This work describes the significance of brown coal tar as raw material source for chemical industry. 6% tar is yielded in low-temperature carbonization of brown coal as side product. This tar as opposed to bituminous coal tar does not occur as raw material in the Federal Republic of Germany. Numerous derivates are produced from brown coal low carbonization tar in central Germany. The paraffin, olefin and mining wax production is the main feature. Tar from brown coal of the Rhine is rich in creosotes, so classical physical separation processes cannot be applied here. One can react the creosotes with ethylene oxide and then separate off by extraction with water or decanting. Both methods are described and the ethoxylation conditions are shown. The paraffins and olefins obtained can be processed in a similar way to petroleum chemistry. The creosote polyglycol ethers produced in different molar ratios as intermediate and end products of coal chemistry are of increasing interest. Examples are given. Although one can hardly expect an increase of the occurrence of brown coal tar in the near future, its significance in view of the rediscovery of the possibilities of coal chemistry is increasing due the lack of petroleum.

  6. Banking system trust, bank trust, and bank loyalty

    NARCIS (Netherlands)

    van Esterik-Plasmeijer, P.; van Raaij, W.F.

    2017-01-01

    Purpose The purpose of this paper is to test a model of banking system trust as an antecedent of bank trust and bank loyalty. Six determinants of trust and loyalty are included: competence, stability, integrity, customer orientation, transparency, and value congruence. The study provides insights

  7. Structural and dynamic characterization of the upper part of the HIV-1 cTAR DNA hairpin

    OpenAIRE

    Zargarian, Loussin?; Kanevsky, Igor; Bazzi, Ali; Boynard, Jonathan; Chaminade, Fran?oise; Foss?, Philippe; Mauffret, Olivier

    2009-01-01

    First strand transfer is essential for HIV-1 reverse transcription. During this step, the TAR RNA hairpin anneals to the cTAR DNA hairpin; this annealing reaction is promoted by the nucleocapsid protein and involves an initial loop?loop interaction between the apical loops of TAR and cTAR. Using NMR and probing methods, we investigated the structural and dynamic properties of the top half of the cTAR DNA (mini-cTAR). We show that the upper stem located between the apical and the internal loop...

  8. Prevention

    DEFF Research Database (Denmark)

    Halken, S; Høst, A

    2001-01-01

    , breastfeeding should be encouraged for 4-6 months. In high-risk infants a documented extensively hydrolysed formula is recommended if exclusive breastfeeding is not possible for the first 4 months of life. There is no evidence for preventive dietary intervention neither during pregnancy nor lactation...... populations. These theories remain to be documented in proper, controlled and prospective studies. Breastfeeding and the late introduction of solid foods (>4 months) is associated with a reduced risk of food allergy, atopic dermatitis, and recurrent wheezing and asthma in early childhood. In all infants....... Preventive dietary restrictions after the age of 4-6 months are not scientifically documented....

  9. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

    Full Text Available There is an urgent need to march towards “low - carbon economy”. Global challenges of diminishing fossil fuel reserves, climate change, environmental management and finite natural resources serving an expanding world population - these reasons mean that urgent action is required to transition to solutions which minimize environmental impact and are sustainable. We are at the start of the low - carbon revolution and those that have started on their low - carbon journey already are seeing benefits such as new markets and customers, improved economic, social and environmental performance, and reduced bills and risks. Green investment banks offer alternative financial services: green car loans, energy efficiency mortgages, alternative energy venture capital, eco - savings deposits and green credit cards. These items represent innovative financial products.

  10. Banking governance: New Approaches

    Directory of Open Access Journals (Sweden)

    Victor Mihăiţă Duţă

    2016-11-01

    Full Text Available Banks are companies like any other. However, banks are distinguished by certain intrinsic characteristics of companies that have a different impact on the motivation of stakeholders. Among these features, we mention:partnership and shareholders governance agreements; banks are heavily regulated companies; banking assets is the main source of haze banking and information asymmetry; between the bank and depositors there is a problem of moral hazard.

  11. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

    Full Text Available Most transactions or financial commitments have implications for a bank liquidity. Transactions are particularly vulnerable to liquidity problems at a specific institution. Therefore, one can deduce the importance of the correct calculation and liquidity indicator, not only for the bank concerned, but especially for NBR uses that bank risk management tool. That is why the authors took into consideration a sample of banks in Romania to show to what extent the banking crisis has influenced the development banks.

  12. Internet Banking integration within the banking system

    Directory of Open Access Journals (Sweden)

    Constantin Marian MATEI

    2008-01-01

    Full Text Available Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture. SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system. For the Internet Banking applications, SOA proved to be the optimal architectural solution, for a smoth integration between banking services from the front-end to the back-end.This paper intend to offer an insite analyse of the Internet Banking applications architecture integrated with other banking systems. A SOA oriented analyse will establish the scope of the integration architecture.

  13. FINANCIAL CRISIS AND THE CENTRAL BANK SYSTEM

    Directory of Open Access Journals (Sweden)

    Richard POSPISIL

    2015-07-01

    Full Text Available The financial crisis that began in 2008 gradually developed into a global economic crisis and continues to this day. There is a lot of causes standing behind the creation, depth and process of the crisis, which is the deepest since the thirties of last centrury. One of the reasons can be found in the risky behavior of commercial banks, especially in the excessive lending of credits and mortgages. Its share on the financial crisis have central banks and their failure as the financial supervisory authority. But there is a lot of another causes of failures in the commercial banking system. And some of the causes lies outside the banking system and monetary policy. Its share of the blame has also become from state and its expenditure on the social policy.This article analyzes the role of the commercial banking system and the central banks on the financial crisis including prevention options and measures.

  14. Financial Crisis and the Central Bank System

    Directory of Open Access Journals (Sweden)

    RICHARD POSPISIL

    2015-05-01

    Full Text Available The financial crisis that began in 2008 gradually developed into a global economic crisis and continues to this day. There is a lot of causes standing behind the creation, depth and process of the crisis, which is the deepest since the thirties of last centrury. One of the reasons can be found in the risky behavior of commercial banks, especially in the excessive lending of credits and mortgages. Its share on the financial crisis have central banks and their failure as the financial supervisory authority. But there is a lot of another causes of failures in the commercial banking system. And some of the causes lies outside the banking system and monetary policy. Its share of the blame has also become from state and its expenditure on the social policy.This article analyzes the role of the commercial banking system and the central banks on the financial crisis including prevention options and measures.

  15. Corporate governance : What’s special about banks?

    NARCIS (Netherlands)

    Laeven, L.

    2013-01-01

    This review surveys the literature on the corporate governance of banks. Traditional corporate governance mechanisms, such as concentrated ownership and takeover threats, in principle, also apply to banks. However, banks have special traits and are heavily regulated, preventing natural forms of

  16. Azospirillum picis sp. nov., isolated from discarded tar.

    Science.gov (United States)

    Lin, S-Y; Young, C C; Hupfer, H; Siering, C; Arun, A B; Chen, W-M; Lai, W-A; Shen, F-T; Rekha, P D; Yassin, A F

    2009-04-01

    A polyphasic taxonomic study was performed on a pink-coloured unknown bacterium isolated from discarded road tar. Comparative analysis of the 16S rRNA gene sequence demonstrated that the isolate belongs phylogenetically to the genus Azospirillum with Azospirillum lipoferum, A. melinis and A. rugosum as its closest phylogenetic relatives (96.7, 96.6 and 96.6 % similarity to the respective type strains). The generic assignment was confirmed on the basis of chemotaxonomic data, which revealed a fatty acid profile characteristic for the genus Azospirillum, consisting of straight-chain saturated and unsaturated fatty acids, with C(18 : 1)omega7c as the major unsaturated non-hydroxylated fatty acid, and C(16 : 0) 3-OH as the major hydroxylated fatty acid, and a ubiquinone with ten isoprene units (Q-10) as the predominant respiratory quinone. On the basis of both the phenotypic and molecular genetic evidence, it is proposed that the unknown isolate should be classified within a novel species of the genus Azospirillum, for which the name Azospirillum picis sp. nov. is proposed. The type strain is IMMIB TAR-3(T) (=CCUG 55431(T) =DSM 19922(T)).

  17. Tar removal during the fluidized bed gasification of plastic waste.

    Science.gov (United States)

    Arena, Umberto; Zaccariello, Lucio; Mastellone, Maria Laura

    2009-02-01

    A recycled polyethylene was fed in a pilot plant bubbling fluidized bed gasifier, having an internal diameter of 0.381 m and a maximum feeding capacity of 90 kg/h. The experimental runs were carried out under various operating conditions: the bed temperature was kept at about 850 degrees C, the equivalence ratio varied between 0.2 and 0.35, the amount of bed material was between 131 and 215 kg, the fluidizing velocity was between 0.5 and 0.7 m/s, quartz sand and olivine were used as bed material, and air and steam were used as fluidizing reactants. The results confirm that the tar removal treatments applied inside the gasifier (primary methods) can eliminate or strongly reduce the need for a further downstream cleanup of the syngas. In particular, the utilization of a natural olivine as an in situ tar reduction agent remarkably improves the quality of the product gas, in terms of both high hydrogen volumetric fraction and larger syngas yield.

  18. Trace metals in heavy crude oils and tar sand bitumens

    Energy Technology Data Exchange (ETDEWEB)

    Reynolds, J.G.

    1990-11-28

    Fe, Ni, and V are considered trace impurities in heavy crude oils and tar sand bitumens. In order to understand the importance of these metals, we have examined several properties: (1) bulk metals levels, (2) distribution in separated fractions, (3) size behavior in feeds and during processing, (4) speciation as a function of size, and (5) correlations with rheological properties. Some of the results of these studies show: (1) V and Ni have roughly bimodal size distributions, (2) groupings were seen based on location, size distribution, and Ni/V ratio of the sample, (3) Fe profiles are distinctively different, having a unimodal distribution with a maximum at relatively large molecular size, (4) Fe concentrations in the tar sand bitumens suggest possible fines solubilization in some cases, (5) SARA separated fractions show possible correlations of metals with asphaltene properties suggesting secondary and tertiary structure interactions, and (6) ICP-MS examination for soluble ultra-trace metal impurities show the possibility of unexpected elements such as U, Th, Mo, and others at concentrations in the ppB to ppM range. 39 refs., 13 figs., 5 tabs.

  19. Acute toxicity of birch tar oil on aquatic organisms

    Directory of Open Access Journals (Sweden)

    M. HAGNER

    2008-12-01

    Full Text Available Birch tar oil (BTO is a by-product of processing birch wood in a pyrolysis system. Accumulating evidence suggests the suitability of BTO as a biocide or repellent in terrestrial environments for the control of weeds, insects, molluscs and rodents. Once applied as biocide, BTO may end up, either through run-off or leaching, in aquatic systems and may have adverse effects on non-target organisms. As very little is known about the toxicity of BTO to aquatic organisms, the present study investigated acute toxicity (LC50/EC50 of BTO for eight aquatic organisms. Bioassays with the Asellus aquaticus (crustacean, Lumbriculus variegatus (oligochaeta worm, Daphnia magna (crustacean, Lymnea sp. (mollusc, Lemna minor (vascular plant, Danio rerio (fish, Scenedesmus gracilis (algae, and Vibrio fischeri (bacterium were performed according to ISO, OECD or USEPA-guidelines. The results indicated that BTO was practically nontoxic to most aquatic organisms as the median effective BTO concentrations against most organisms were >150 mg L-1. In conclusion, our toxicity tests showed that aquatic organisms are to some extent, invariably sensitive to birch tar oil, but suggest that BTO does not pose a severe hazard to aquatic biota. We deduce that, unless BTOs are not applied in the immediate vicinity of water bodies, no special precaution is required.;

  20. Inside money, procyclical leverage, and banking catastrophes.

    Science.gov (United States)

    Brummitt, Charles D; Sethi, Rajiv; Watts, Duncan J

    2014-01-01

    We explore a model of the interaction between banks and outside investors in which the ability of banks to issue inside money (short-term liabilities believed to be convertible into currency at par) can generate a collapse in asset prices and widespread bank insolvency. The banks and investors share a common belief about the future value of certain long-term assets, but they have different objective functions; changes to this common belief result in portfolio adjustments and trade. Positive belief shocks induce banks to buy risky assets from investors, and the banks finance those purchases by issuing new short-term liabilities. Negative belief shocks induce banks to sell assets in order to reduce their chance of insolvency to a tolerably low level, and they supply more assets at lower prices, which can result in multiple market-clearing prices. A sufficiently severe negative shock causes the set of equilibrium prices to contract (in a manner given by a cusp catastrophe), causing prices to plummet discontinuously and banks to become insolvent. Successive positive and negative shocks of equal magnitude do not cancel; rather, a banking catastrophe can occur even if beliefs simply return to their initial state. Capital requirements can prevent crises by curtailing the expansion of balance sheets when beliefs become more optimistic, but they can also force larger price declines. Emergency asset price supports can be understood as attempts by a central bank to coordinate expectations on an equilibrium with solvency.

  1. Biomass Gasifier ''Tars'': Their Nature, Formation, and Conversion

    Energy Technology Data Exchange (ETDEWEB)

    Milne, T. A.; Evans, R. J. (National Renewable Energy Laboratory); Abatzaglou, N. (Kemestrie, Inc.)

    1998-11-01

    The main purpose of this review is to update the information on gasification tar, the most cumbersome and problematic parameter in any gasification commercialization effort. The work aims to present to the community the scientific and practical aspects of tar formation and conversion (removal) during gasification as a function of the various technological and technical parameters and variables.

  2. 40 CFR 61.132 - Standard: Process vessels, storage tanks, and tar-intercepting sumps.

    Science.gov (United States)

    2010-07-01

    ... process vessel, tar storage tank, and tar-intercepting sump to the gas collection system, gas distribution system, or other enclosed point in the by-product recovery process where the benzene in the gas will be... 40 Protection of Environment 8 2010-07-01 2010-07-01 false Standard: Process vessels, storage...

  3. A baseline assessment of beach debris and tar contamination in Bonaire, Southeastern Caribbean

    NARCIS (Netherlands)

    Debrot, A.O.; Rijn, van J.; Bron, P.S.; Leon, R.

    2013-01-01

    Data on beach debris and tar contamination is provided for 21 natural beach sites in Bonaire, Southeastern Caribbean. Transects amounting to a combined length of 991 m were sampled March–May 2011 and a total of 8960 debris items were collected. Highest debris and tar contamination were found on the

  4. Tar Barreler’s Hump: An Unusual Presentation of a Posttraumatic Pseudolipoma

    Directory of Open Access Journals (Sweden)

    Babajide Olusola Olubaniyi

    2012-01-01

    Full Text Available This is an interesting paper of a 4 cm posttraumatic pseudolipoma on the back of the neck of an adult man who has participated in “tar barrel rolling” since adolescence. To the best of our knowledge, this is the first case of a pseudolipoma to be reported in the literature in association with tar barreling.

  5. Solid state 13 C NMR quantitative study of wood tar pitches

    International Nuclear Information System (INIS)

    Prauchner, Marcos Juliano; Pasa, Vanya Marcia Duarte; Menezes, Sonia Maria Cabral de

    1999-01-01

    In this work, solid-state 13 C NMR is used with other techniques to characterize Eucalyptus tar pitches and to follow their polymerization reactions. The pitches are the residues of distillation (about 50% m;m) of the tar generated in Eucalyptus slow pyrolysis for charcoal production in metal industry

  6. Simulation of Trajectories of Tar Ball Transport to the Goa Coast

    Digital Repository Service at National Institute of Oceanography (India)

    Suneel, V.; Vethamony, P.; VinodKumar, K.; Babu, M.T.; Prasad, V.S.R.

    reasonably well with the observations. The present study confirms our view that the source of these tar balls is the accidental spills or tanker-wash along the international oil tanker route in the AS. A review of the global scenario of tar ball study is also...

  7. The distribution and behaviour of tar balls along the Israeli coast

    Science.gov (United States)

    Golik, Abraham

    1982-09-01

    A fortnightly sampling of tar balls on six beaches along the Israeli coastline between 14 April 1975 and 25 June 1976 showed that the mean content of tar during that period was 3625 g m -1 of beach front. The northern and central parts of the coast were significantly more polluted than the southern part. Between July 1975 and February 1976 the mean tar quantity decreased continuously from 5635 to 1344 g m -1. A comparison of tar quantities on the Israeli beaches with those of other beaches in the world showed that the Israeli beaches are more polluted than those of the west Atlantic coast, are as polluted as other beaches on the eastern coast of the Mediterranean Sea, and are less polluted than the beaches of Alexandria, Egypt, and Paphos, Cyprus. It is suggested that the tar content on the beach is related to the degree of oil pollution in the sea. The closer a beach is to an oil shipping lane or an oil dumping site, the heavier it is polluted. During storms, beach tar balls are pushed by the waves to the back of the beach or, in the case of a cliffed coast, are carried along the shore by the longshore current. When the tar balls reach a gap in the cliff (such as an estuary), they are carried inland by the storm waves. There the tar may become buried or dry, shrink and break into small particles which are then dispersed by the wind.

  8. 179 Extraction of Coal-tar Pitch by Supercritical Carbon Dioxide ...

    African Journals Online (AJOL)

    Meyer

    Tar is a black, viscous liquid, formed by condensation of gaseous products when using dry distillation. Pitch, the material that remains after the distillation of creosote, is an important precursor of carbon-based materials. The chemical composition of tar depends less on the nature of the material treated than on the conditions ...

  9. Gc/ms analysis of coal tar composition produced from coal

    African Journals Online (AJOL)

    produce gasoline, diesel oil, etc. Therefore, a detailed analytical study on the composition and chemical structure of coal tar will be advantageous to its processing and utilization, and enable it to be a chemical and power fuel materials of great value. Because of the complex characteristics of coal tar, most previous ...

  10. E-BANKING- MODERN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    MIRANDA PETRONELLA VLAD

    2009-05-01

    Full Text Available E-banking is the first of those banking services that really economize time, because it allows to the user to accomplish from behind the computer many operations in the bank account, represents the computational solution that allows to the holder to have

  11. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

    Mar 1, 2013 ... powerful vehicle for research. Banks can provide information and services online which customers can pay for and receive. Banking processes are made more efficient and cost effective by integrating other aspects of banking operations such as management and financial control. Ovia. [6] posits that on-line ...

  12. The Legend of Hot Tar or Pitch as a Defensive Weapon

    DEFF Research Database (Denmark)

    Atzbach, Rainer

    2015-01-01

    In popular culture and even in academic discourse surrounding castles, hot tar pitch has been depicted as a widespread defensive weapon. The identification of "machicoulis" (machicolations) as an architectural provision for pouring down liquid tar pitch goes back to the early days of castle...... research. In reality, this way of fighting can only be seen as a legend, i.e. a story with only a relative truth at its core. This paper will examine the origin of this historical tradition and its archaeological and architectural sources. The chemical and physical properties of tar pitch and its...... production and use during the Middle Ages will be discussed with special focus on the application of tar pitch as an ingredient in medieval and post-medieval thermal weapons (especially Greek Fire, the firebomb and the fire arrow). The punishment of tarring and feathering will also be considered...

  13. BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Yuliya Onyshchenko

    2015-11-01

    Full Text Available The purpose of the paper is to work out and characterize bank business models that are formed in Ukraine. Methodology. Our research we will spend among banks that are functioning on the Ukrainian financial market and are not on the stage of liquidation, so the sample under study in our work is comprised of 131 banks which are different in their ownership structure and size. The core of the methodology is a statistical clustering algorithm that allows identifying the groups of banks (clusters with similar business models as banks with similar business model strategies have made similar choices regarding the composition of their assets and liabilities. The cluster analyses were taken on the base of seven chosen indicators: bank loans, bank liabilities, enterprise loans, enterprise liabilities, household loans, household liabilities and trading assets. Results. The traditional business model of bank is worked out. The bank business models that are functioning in Ukraine are identified on the base of cluster analyses using balance sheet characteristics of 131 Ukrainian banks. We find that in Ukraine were formed three types of bank business models: “Focused retail”, “Diversified retail” and “Corporative retail”. The description of each model is given. Practical implications. More detailed research of distinguished models allows not only to find out the main advantages and disadvantages of each bank model, but also the main problems that follow the development of Ukrainian banking sector. Identifying of bank models and their studying simplifies searching and elaboration of regulatory instruments as there is a two-way causation between regulation and bank business models. This implies a symbiotic relationship between regulation and bank business models: business models respond to regulation which in turn responds to the evolution of new business models. Value/originality. Such survey is conducted at the first time among Ukrainian banks. The

  14. Predicting PTSD following bank robbery

    DEFF Research Database (Denmark)

    Hansen, Maj; Elklit, Ask

    Each year, numerous bank robberies take place worldwide. Even so, only few studies have investigated the psychological sequelae of bank robbery and little is known about the risk factors associated with the development of posttraumatic stress disorder (PTSD) following this potentially traumatic...... event. Knowledge about risk factors related to PTSD may allow for preventive measures to be taken against the development of PTSD and reduce the large cost associated with the disorder. We investigated multiple predictors of PTSD severity in a highly representative Danish cohort study of bank employees...... exposed to robbery (N = 371, response rate = 73 %, dropout rate = 18 %). The results of a hierarchical regression analysis showed that 51 % of the variance in PTSD severity could be explained with only peritraumatic dissociation, acute stress disorder (ASD) severity, and negative cognitions about self...

  15. Small finance banks: Challenges

    Directory of Open Access Journals (Sweden)

    Jayadev M

    2017-12-01

    Full Text Available A recent innovation in the Indian banking structure has been the formation of a new banking institution—small finance banks (SFBs. These banks are expected to penetrate into financial inclusion by providing basic banking and credit services with a differentiated banking model to the larger population. In this context the new SFBs have multiple challenges in coming out with a new, differentiated business model. The challenges include building low cost liability portfolio, technology management, and balancing the regulatory compliances. This paper also presents the top of mind views of three senior executives of new small finance banks.

  16. Evaluation of different oxygen carriers for biomass tar reforming

    DEFF Research Database (Denmark)

    Mendiara, Teresa; Johansen, Joakim Myung; Utrilla, Rubén

    2011-01-01

    , in a concentration of 600–2000ppmv, was chosen as a tar model compound. Experiments were performed in a TGA apparatus and a fixed bed reactor. Four oxygen carriers (60% NiO/MgAl2O4 (Ni60), 40% NiO/NiAl2O4 (Ni40), 40% Mn3O4/Mg–ZrO2 (Mn40) and FeTiO3 (Fe)) were tested under alternating reducing/oxidizing cycles...... deposition compared to Mn40, specially at high temperatures. Carbon deposition could be controlled by decreasing the temperature and the time for the reduction step. The addition of water also reduced the amount of carbon deposited, which was completely avoided working with a H2O/C7H8 molar ratio of 26.4....

  17. Natural attenuation of coal tar organics in groundwater

    International Nuclear Information System (INIS)

    King, M.W.G.; Barker, J.F.; Hamilton, K.A.

    1995-01-01

    A volume of sand containing residual coal tar creosote was emplaced below the water table under controlled field conditions to investigate natural attenuation processes for selected creosote compounds. Movement of groundwater through the source has led to the development of a complex dissolved organic plume, which has been monitored in detail for more than 1,000 days. During this period, several distinct types of behavior were evident for the monitored compounds. The m-xylene plume reached a maximum extent and has started to recede, while the naphthalene plume continues to migrate further from the source. Indications are that the dibenzofuran plume is at steady state, with no additional advancement and little change in plume mass over a 1-year period

  18. KINERJA BANK UMUM SYARIAH DI INDONESIA TAHUN 2010-2012

    Directory of Open Access Journals (Sweden)

    Karsinah Karsinah

    2014-09-01

    Full Text Available This is a study of Islamic bank performance in Indonesia. The objects of research are 11 Islamic Banks in Indonesia from 2010 until 2012. They are BMI, BSM, Bank Syariah Mega Indonesia, BNI Syariah, BRI Syariah, Bank Bukopin Syariah, BCA Syariah, Bank Panin Syariah, Bank Victoria Syariah, Bank Jabar Banten Syariah, and Maybank Indonesia Syariah. The variables used in this study were Deposit (I1, Assets (I2, Labor Costs (I3, Finance (O1, and Operating Income (O2. The method used in this research was Constant Return to Scale (CRS. The result of technical efficiency calculation by using DEA is 4 Islamic Banks have not been efficient; they are BRI Syariah, BCA Syariah, Bank Panin Syariah, and Bank Victoria Syariah. Further, the others Islamic Banks have reached the efficiency level. Then, it can be concluded that the majority of Islamic Banks in Indonesia have been efficient from 2010 to 2012. After having the study resuts, the Islamic banks should improve the micro policies for achieving the technical efficiency accomplishment, allocate the savings input excess into the total assets input; especially the productive assets, have firmer control for preventing moral hazard; and increase the budgeting number or crea-ting innovative product and the services cost. Penelitian ini mengenai kinerja bank syariah di Indonesia.Sampel penelitian sebanyak 11 Bank Umum Syariah yang ada di Indonesia periode tahun 2010- 2012. Bank Umum Syariah tersebut meliputi BMI, BSM, Bank Sya-riah Mega Indonesia, BNI Syariah, BRI Syariah, Bank Bukopin Syariah, BCA Syariah, Bank Panin Syariah, Bank Victoria Syariah, Bank Jabar Banten Syariah, Maybank Indonesia Syariah. Variabel-variabel yang digunakan dalam penelitian ini adalah Simpanan (I1, Aset (I2, Biaya Tenaga Kerja (I3, Pembiayaan (O1, dan Pendapatan Operasional (O2. Metode yang dogunakan dalam penelitian ini adalah metode Constant Return to Scale (CRS. Hasil dari perhitungan efisiensi teknik dengan menggunakan DEA dari

  19. GenBank

    OpenAIRE

    Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Rapp, Barbara A.; Wheeler, David L.

    2002-01-01

    The GenBank sequence database incorporates publicly available DNA sequences of more than 105 000 different organisms, primarily through direct submission of sequence data from individual laboratories and large-scale sequencing projects. Most submissions are made using the BankIt (web) or Sequin programs and accession numbers are assigned by GenBank staff upon receipt. Data exchange with the EMBL Data Library and the DNA Data Bank of Japan helps ensure comprehensive worldwide coverage. GenBank...

  20. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Bank. 583.3 Section 583.3 Banks and Banking... AND LOAN HOLDING COMPANIES § 583.3 Bank. The term bank means any national bank, state bank, state-chartered savings bank, cooperative bank, or industrial bank, the deposits of which are insured by the...

  1. Canada's toxic tar sands : the most destructive project on earth

    Energy Technology Data Exchange (ETDEWEB)

    Hatch, C.; Price, M. [Environmental Defence, Toronto, ON (Canada)

    2008-02-15

    This document addressed the environmental problems associated with tar sands development in Alberta, with particular reference to toxicity problems associated with global warming and the impending destruction of the boreal forest. The authors cautioned that the tar sand projects are highly destructive, leaving downstream toxics equivalent to that of a massive slow motion oil spill that has the potential to poison people. Negligent oversights by the government regarding the impact of tar sands development were also discussed, with reference to toxics on site; toxics downwind; and toxics down the pipe. The report also provided information on the future of tar sands development and global warming in Canada. It included a discussion of reverse alchemy; Canada's failed climate politics; a tar sands tax; and taking responsibility. Last, the report addressed toxic enforcement, including the Fisheries Act; Canadian Environmental Protection Act; Canadian Environmental Assessment Act; and Alberta law. It was concluded that while it is a stretch to believe the tar sands can truly be sustainable, there is a great deal that can be done to clean it up. The authors recommended that new tar sands approvals should wait until certain reform elements are implemented, such as passing a real carbon cap; using dry tailings; requiring wildlife offsets; cleaning up refineries and upgraders; ensuring Aboriginal control and benefit; and having regulation and independent monitoring. 104 refs., 6 figs.

  2. Conversion of tar in hot coke oven gas by pyrolysis and steam reforming

    Energy Technology Data Exchange (ETDEWEB)

    Miura, K.; Kawase, M.; Nakagawa, H.; Ashida, R.; Nakai, T.; Ishikawa, T. [Kyoto University, Kyoto (Japan). Dept. of Chemical Engineering

    2003-07-01

    Possibility to convert the tar vapor in the hot coke oven gas (COG) to a synthesis gas was investigated. Tar condensed from an actual COG as well as model compounds such as benzene, naphthalene, and pyrene were used as the reactants. Experiments of the pyrolysis and catalytic steam reforming of the tar in a helium, a steam, and a simulated COG atmospheres were carried out. More than 80% of tar could be decomposed in several seconds by pyrolysis at temperature {>=}to 1000{sup o}C. The coke yield reached 80% and the main gas products were methane and hydrogen. Coke deposition was reduced in the presence of steam by steam gasification of the coke. When the tar was pyrolyzed in the simulated COG, coke deposition from methane in addition to the deposition from the tar was observed at high temperature. The reverse shift reaction forming carbon monoxide and steam also occurred during the tar pyrolysis in the simulated COG. The coke formation was not reduced greatly even in the presence of the reforming catalysts.

  3. Impact of Asphaltenes and Resins on the Wetting Characteristics of Tars at Former Manufactured Gas Plants

    Science.gov (United States)

    Hauswirth, S. C.; Birak, P. S.; Rylander, S.; Pedit, J. A.; Miller, C. T.

    2008-12-01

    Tars produced as a byproduct of coal and oil gasification at manufactured gas plants (MGPs) during the 19th and early 20th centuries were often released into the environment through poor disposal practices or leaks in holding tanks and piping. These tars are persistent contaminants, leaching polycyclic aromatic hydrocarbons (PAHs) into groundwater and posing a significant risk to human and ecological health. MGP tars also have several properties that make them notoriously difficult to remediate. They are denser than water, so they can migrate to depths which make direct removal difficult or impossible, and their relatively high viscosities and ability to alter the wetting characteristics of porous media result in inefficient removal by traditional pump-and-treat methods. In this study, we investigate the last of these properties. Previous studies have linked wetting changes to asphaltenes---polar, high molecular weight compounds present in the tars. However, we have conducted qualitative bottle tests for tar samples collected from two former MGPs which indicate that there is no direct correlation between asphaltene concentration and the tendency to alter wetting characteristics of porous media. To better understand the factors controlling wetting behavior, we isolate asphaltenes and resins, another class of polar compounds, from a tar sample and recombine them with the remaining PAH mixture to create a series of tars of varying composition. We assess the relative impact of each of the fractions on wettability through contact angle measurements conducted at three different pHs.

  4. DETERMINATION OF WATER CONTENT IN PYROLYTIC TARS USING COULOMETRIC KARL-FISHER TITRATION

    Directory of Open Access Journals (Sweden)

    Lenka Jílková

    2017-02-01

    Full Text Available The liquid organic fraction of pyrolytic tar has a high energy value which makes possible its utilization as an energy source. However, before utilization, it is crucial to remove water from the liquid fraction. The presence of water reduces the energy value of pyrolytic tars. Water separation from the organic tar fraction is a complex process, since an emulsion can be readily formed. Therefore, after phase separation, it is important to know the residual water content in the organic phase and whether it is necessary to further dry it. The results presented in this manuscript focus on a water determination in liquid products from coal and biomass pyrolysis by a coulometric Karl‑Fischer titration. The Coulometric Karl‑Fischer titration is often used for a water content determination in gaseous, liquid and solid samples. However, to date, this titration method has not been used for a water determination in tars. A new water determination method, which has been tested on different types of tar, has been developed. The Coulometric Karl‑Fischer titration is suitable for tar samples with a water content not greater than 5 wt. %. The obtained experimental results indicate that the new introduced method can be used with a very good repeatability for a water content determination in tars.

  5. Opening of the TAR hairpin in the HIV-1 genome causes aberrant RNA dimerization and packaging

    Directory of Open Access Journals (Sweden)

    Das Atze T

    2012-07-01

    Full Text Available Abstract Background The TAR hairpin is present at both the 5′ and 3′ end of the HIV-1 RNA genome. The 5′ element binds the viral Tat protein and is essential for Tat-mediated activation of transcription. We recently observed that complete TAR deletion is allowed in the context of an HIV-1 variant that does not depend on this Tat-TAR axis for transcription. Mutations that open the 5′ stem-loop structure did however affect the leader RNA conformation and resulted in a severe replication defect. In this study, we set out to analyze which step of the HIV-1 replication cycle is affected by this conformational change of the leader RNA. Results We demonstrate that opening the 5′ TAR structure through a deletion in either side of the stem region caused aberrant dimerization and reduced packaging of the unspliced viral RNA genome. In contrast, truncation of the TAR hairpin through deletions in both sides of the stem did not affect RNA dimer formation and packaging. Conclusions These results demonstrate that, although the TAR hairpin is not essential for RNA dimerization and packaging, mutations in TAR can significantly affect these processes through misfolding of the relevant RNA signals.

  6. Catalytic Tar Reduction for Assistance in Thermal Conversion of Space Waste for Energy Production

    Science.gov (United States)

    Caraccio, Anne Joan; Devor, Robert William; Hintze, Paul E.; Muscatello, Anthony C.; Nur, Mononita

    2014-01-01

    The Trash to Gas (TtG) project investigates technologies for converting waste generated during spaceflight into various resources. One of these technologies was gasification, which employed a downdraft reactor designed and manufactured at NASA's Kennedy Space Center (KSC) for the conversion of simulated space trash to carbon dioxide. The carbon dioxide would then be converted to methane for propulsion and water for life support systems. A minor byproduct of gasification includes large hydrocarbons, also known as tars. Tars are unwanted byproducts that add contamination to the product stream, clog the reactor and cause complications in analysis instrumentation. The objective of this research was to perform reduction studies of a mock tar using select catalysts and choose the most effective for primary treatment within the KSC downdraft gasification reactor. Because the KSC reactor is operated at temperatures below typical gasification reactors, this study evaluates catalyst performance below recommended catalytic operating temperatures. The tar reduction experimentation was observed by passing a model tar vapor stream over the catalysts at similar conditions to that of the KSC reactor. Reduction in tar was determined using gas chromatography. Tar reduction efficiency and catalyst performances were evaluated at different temperatures.

  7. Processing of bituminous coal tar at high temperature with bituminous coal additive

    Energy Technology Data Exchange (ETDEWEB)

    von Hartmann, G.B.; Hupfer, H.; Leonhardt, P.

    1943-05-10

    In short tests, results of the effects of a bituminous coal addition to the processing of tar and pitch were obtainable. Coal used was that from the Heinitz Mines (Upper Silesian), saturated with 1--1.2% iron sulphate. On a mixture of bituminous coal tar residue and tar oil, with a relatively low level of solids and asphalt, a substitution was made for the addition of 2% alkalized iron-grude-catalyst with 20% coal. The same yield was reached using a straight-run procedure. The coal gave somewhat more gasification and additional asphalt in the sludge without increasing the solids content correspondingly. In spite of this, the carbonization results were somewhat improved, which led one to conclude that the coal addition fostered the decomposition of the tar asphalt, and, that the asphalt from the coal could be better carbonized than that out of the tar. One found, also, that the tar mixture with coal additive permitted trouble-free hydrogenation to gasoline and middle oil. Still another short test met with success. A bituminous coal tar pitch containing 24% benzene solids and 36% asphalt, which could not be processed with iron catalyst or even molybdenum-grude, was hydrogenated to gasoline and middle oil with a usable yield of .25 by a 20--25% addition of coal. Here too, the carbonization results were good. The addition of coal had no notable influence on the properties of the resulting oils. The document included test procedures. 11 tables.

  8. Carbazole is a naturally occurring inhibitor of angiogenesis and inflammation isolated from antipsoriatic coal tar

    Energy Technology Data Exchange (ETDEWEB)

    Jack L. Arbiser; Baskaran Govindarajan; Traci E. Battle; Rebecca Lynch; David A. Frank; Masuko Ushio-Fukai; Betsy N. Perry; David F. Stern; G. Tim Bowden; Anquan Liu; Eva Klein; Pawel J. Kolodziejski; N. Tony Eissa; Chowdhury F. Hossain; Dale G. Nagle [Emory University School of Medicine, Atlanta, GA (United States). Department of Dermatology

    2006-06-15

    Coal tar is one of the oldest and an effective treatment for psoriasis. Coal tar has been directly applied to the skin, or used in combination with UV light as part of the Goeckerman treatment. The use of coal tar has caused long-term remissions in psoriasis, but has fallen out of favor because the treatment requires hospitalization and coal tar is poorly acceptable aesthetically to patients. Thus, determining the active antipsoriatic component of coal tar is of considerable therapeutic interest. We fractionated coal tar into its components, and tested them using the SVR angiogenesis inhibitor assay. Treatment of SVR endothelial cells with coal tar fractions resulted in the isolation of a single fraction with antiangiogenic activity. The active antiangiogenic compound in coal tar is carbazole. In addition to antiangiogenic activity, carbazole inhibited the production of inflammatory IL-15 by human mononuclear cells. IL-15 is elevated in psoriasis and is thought to contribute to psoriatic inflammation. Carbazole treatment also reduced activity of inducible nitric oxide synthase (iNOS), which is proinflammatory and elevated in psoriasis. The effect of carbazole on upstream pathways in human psoriasis was determined, and carbazole was shown to inhibit signal transducer and activator of transcription (stat)3-mediated transcription, which has been shown to be relevant in human psoriasis. IL-15, iNOS, and stat3 activation require the activation of the small GTPase rac for optimal activity. Carbazole was found to inhibit rac activation as a mechanism for its inhibition of downstream inflammatory and angiogenic pathways. Given its antiangiogenic and anti-inflammatory activities, carbazole is likely a major component of the antipsoriatic activity of coal tar. Carbazole and derivatives may be useful in the therapy of human psoriasis.

  9. BASEL III – IMPLICATIONS OF THE NEW AGREEMENT UPON THE BANKING SYSTEMS

    Directory of Open Access Journals (Sweden)

    VLADA RAMONA IOANA

    2013-12-01

    Full Text Available Global banking crisis generated by the subprime crisis in the U.S., received in December 2010, as a response from the Committee on Banking Supervision of the Bank for International Settlements, new capital adequacy rules for banks under the Basel III title: International framework for measurement, standardization and monitoring of liquidity risk, and Basel III: A global regulatory framework for banks and a sounder banking system with new capital adequacy rules for banks. These regulations are the focus of global financial reform to prevent future occurrence of banking crises.

  10. Removal and Conversion of Tar in Syngas from Woody Biomass Gasification for Power Utilization Using Catalytic Hydrocracking

    Directory of Open Access Journals (Sweden)

    Jiu Huang

    2011-08-01

    Full Text Available Biomass gasification has yet to obtain industrial acceptance. The high residual tar concentrations in syngas prevent any ambitious utilization. In this paper a novel gas purification technology based on catalytic hydrocracking is introduced, whereby most of the tarry components can be converted and removed. Pilot scale experiments were carried out with an updraft gasifier. The hydrocracking catalyst was palladium (Pd. The results show the dominant role of temperature and flow rate. At a constant flow rate of 20 Nm3/h and temperatures of 500 °C, 600 °C and 700 °C the tar conversion rates reached 44.9%, 78.1% and 92.3%, respectively. These results could be increased up to 98.6% and 99.3% by using an operating temperature of 700 °C and lower flow rates of 15 Nm3/h and 10 Nm3/h. The syngas quality after the purification process at 700 °C/10 Nm3/h is acceptable for inner combustion (IC gas engine utilization.

  11. The rise and growth of Serbian banking until World War I: Part three: Serbian banking system - operations and relations of the private banks and the National Bank (1878-1914

    Directory of Open Access Journals (Sweden)

    Stojanović Biljana

    2017-01-01

    Full Text Available The development of Serbian banking during the 19th century was a gradual process that underwent two distinctive stages with the turning point in 1878 when Serbia became an independent state by the international agreement concluded at the Berlin Congress. During the second stage, after 1878, a decisive programme of economic development and modernization resulted in the mushrooming growth of banks and creation of the national banking system that consisted of the Privileged National Bank of the Kingdom of Serbia (National Bank as a bank of note issue, private banks, state banks and farm cooperative societies. The majority of private banks were small joint-stock unit and universal banks which developed basic banking (discounting, savings deposits, passive and active current accounts, cashless payments, Lombard credits, trade in securities and non-banking activities (establishment of industrial firms and conducting domestic and foreign trade. Relations between banks and the National Bank had been intensified until 1908 on voluntary basis, primarily by the National Bank's everyday credit operations, undertaken rules and measures. From 1908, however, these relations were regulated by the new Act on the National Bank (1908 through the instrument of interest rate ceiling (Article 6e and thus became obligatory for both parties. Unfortunately, implementation of this new instrument led to deteriorating of relations between the banks and the National Bank, thus preventing the National Bank to continue with strengthening its role as a central bank. The Serbian National Bank succeeded in achieving two main aims of a central bank - monetary stability and helping in development of national trade and production, particularly industry. However, it was limited in achieving stability of the banking system because it could not fully perform its lender of the last resort function. This function was constrained, not by unwillingness or incapability of the National bank

  12. The extraction of bitumen from western tar sands. Annual report, July 1990--July 1991

    Energy Technology Data Exchange (ETDEWEB)

    Oblad, A.G.; Bunger, J.W.; Deo, M.D.; Hanson, F.V.; Miller, J.D.; Seader, J.D.

    1992-04-01

    Contents of this report include the following: executive summary; characterization of the native bitumen from the Whiterocks oil sand deposit; influence of carboxylic acid content on bitumen viscosity; water based oil sand separation technology; extraction of bitumen from western oil sands by an energy-efficient thermal method; large- diameter fluidized bed reactor studies; rotary kiln pyrolysis of oil sand; catalytic upgrading of bitumen and bitumen derived liquids; ebullieted bed hydrotreating and hydrocracking; super critical fluid extraction; bitumen upgrading; 232 references; Appendix A--Whiterocks tar sand deposit bibliography; Appendix B--Asphalt Ridge tar sand deposit bibliography; and Appendix C--University of Utah tar sands bibliography.

  13. GC/MS analysis of coal tar composition produced from coal pyrolysis

    Directory of Open Access Journals (Sweden)

    Jianfang Jiang

    2007-08-01

    Full Text Available Coal tar is a significant product generated from coal pyrolysis. A detailed analytical study on its composition and chemical structure will be of great advantage to its further processing and utilization. Using a combined method of planigraphy-gas chromatograph/mass spectroscopy (GC/MS, this work presents a composition analysis on the coal tar generated in the experiment. The analysis gives a satisfactory result, which offers a referable theoretical foundation for the further processing and utilization of coal tar.

  14. A role for nuclear energy in the recovery of oil from the tar sands of Alberta

    International Nuclear Information System (INIS)

    Puttagunta, V.R.; Sochaski, R.O.; Robertson, R.F.S.

    1976-12-01

    Techniques of oil recovery from the tar sands and the energy requirements of this operation are described. Fossil fuels, and CANDU reactors are examined as competitive sources of energy for the tar sands plants. The CANDU-OCR reactor appears to have the necessary flexibility to fit into many of the possible methods of recovering oil from the tar sands. Cost comparisons of fossil and nuclear sources show that, for the supply of process steam, the nuclear source is competitive under the criteria of debt financing or low discount rates on capital, continued escalation, and long plant capital write-off period. (author)

  15. Bank, Banking System, Macroprudential Supervision, Stability of Banking System

    Directory of Open Access Journals (Sweden)

    Tetiana Vasilyeva

    2016-10-01

    Full Text Available Intensification of financial development during last decade causes transformation of banking sector functioning. In particular, among the most significant changes over this period should be noted the next ones: convergence of financial market segments and appearance of cross-sector financial products, an increase of prevailing of financial sector in comparison with real economy and level of their interdependent, an intensification of crisis processes in financial and especially banking sector and a significant increase of the scale of the crisis consequences etc. thus, in such vulnerable conditions it is become very urgent to identify the relevant factors that can influence on the stability of banking sector, because its maintenance seems to be one of the most important preconditions of the stability of the national economy as a whole. Purpose of the article is to analyze key performance indicators of the Ukrainian banking system, clarify its main problems, identify relevant factors of the stability of the Ukrainian banking system and the character of their influence on the dependent variable. Realization of the mentioned above tasks was ensured by regression analysis (OLS regression. Analysis of key indicators that characterize current situation in the Ukrainian banking system found out the existence of numerous endogenous and exogenous problems, which, in turn, cause worsening most of analyzed indicators during 2013-2015. Unfavorable situation in Ukrainian banking system determined the necessity of identification of relevant factors of banking system stability to avoid transmission of financial shocks. According to the results of regression analysis on the stability of banking sector positively influence such factors as increase of interest margin to gross income ratio, reserves to assets ratio, number of branches, ratio of non-performing loans to total loans. Meanwhile, negative impact on stability of banking system has an increase of liquid

  16. Bank Syariah Sebagai Alternatif

    Directory of Open Access Journals (Sweden)

    Adang Sudjana

    2003-03-01

    Full Text Available The principle of not allowing interest practices (riba has saved the Syariah Bank and their customers from the effects of monetary crisis. In view of Islamic Principles, interest is forbidden. Therefore, all transactions of syariah banking are based on sale-purchase pattern. Besides, all good banking aspects as applied in conventional banking such as, 5 Cs (capital, collateral, capacity, character, and condition are also applied properly in the line of ukhrawi aspects in managing fund of syariah banking.  The practice of “mark-up” in project funded by syariah bank seems to be very difficult.

  17. A review of the risk of contamination of semen and embryos during cryopreservation and measures to limit cross-contamination during banking to prevent disease transmission in ET practices.

    Science.gov (United States)

    Bielanski, A

    2012-02-01

    This review summarizes pertinent data and opinions regarding the potential hazard of disease transmission through cryopreserved and banked embryos in liquid nitrogen (LN). Special attention is given to the survival of pathogens in LN, new vitrification methods, sterility of LN, risks associated with the use of straws and cryovials, and LN dewars including dry shippers. It was experimentally demonstrated that cross-contamination between LN and embryos may occur, when infectious agents are present in LN and embryos are not protected by a sealed container. It is important, therefore, to prevent direct contact of embryos with LN during cryopreservation and their banking. This includes the usage of hermetically sealed, high-quality, shatter-proof freezing containers and/or the application of a secondary enclosure such as "double bagging or straw in straw." A periodic disinfection of cryo-dewars should be considered as an additional precaution to diminish the potential for inadvertent cross-contamination. It might be advisable to use separate LN dewars to quarantine embryos derived from infected donors of valuable genotype or from unknown health status, extinction-threatened species. Nevertheless, in summary, it has been concluded that over 25 yr with no direct evidence of disease transmission by transferred cryopreserved human and animal embryos, that the present cryopreservation technology is sanitary sound, with the stipulation that biocontainment measures recommended by the International Embryo Transfer Society (IETS) and the World Organization for Animal Health - Office International des Epizooties (OIE), are strictly followed. Crown Copyright © 2012. Published by Elsevier Inc. All rights reserved.

  18. Upgrading producer gas quality from rubber wood gasification in a radio frequency tar thermocatalytic treatment reactor.

    Science.gov (United States)

    Anis, Samsudin; Zainal, Z A

    2013-12-01

    This study focused on improving the producer gas quality using radio frequency (RF) tar thermocatalytic treatment reactor. The producer gas containing tar, particles and water was directly passed at a particular flow rate into the RF reactor at various temperatures for catalytic and thermal treatments. Thermal treatment generates higher heating value of 5.76 MJ Nm(-3) at 1200°C. Catalytic treatments using both dolomite and Y-zeolite provide high tar and particles conversion efficiencies of about 97% on average. The result also showed that light poly-aromatic hydrocarbons especially naphthalene and aromatic compounds particularly benzene and toluene were still found even at higher reaction temperatures. Low energy intensive RF tar thermocatalytic treatment was found to be effective for upgrading the producer gas quality to meet the end user requirements and increasing its energy content. Copyright © 2013 Elsevier Ltd. All rights reserved.

  19. Secondary reactions of tar during thermochemical biomass conversion[Dissertation 14341

    Energy Technology Data Exchange (ETDEWEB)

    Morf, P.O.

    2001-07-01

    This dissertation submitted to the Swiss Federal Institute of Technology in Zurich presents and discusses the results obtained during the examination of the processes involved in the formation and conversion of tar in biomass gasification plant. Details are given on the laboratory reactor system used to provide separated tar production and conversion for the purposes of the experiments carried out. The results of analyses made of the tar and the gaseous products obtained after its conversion at various temperatures are presented. The development of kinetic models using the results of the experiments that were carried out is described. The results of the experiments and modelling are compared with the corresponding results obtained using a full-scale down-draft, fixed-bed gasifier. The author is of the opinion that the reaction conditions found in full-scale gasifiers can be well simulated using heterogeneous tar conversion experiments using the lab reactor system.

  20. Thatcheri tütar avalikustas Raudse Leedi nõdrameelsuse / Sandra Maasalu

    Index Scriptorium Estoniae

    Maasalu, Sandra

    2008-01-01

    Ilmunud ka: Postimees : na russkom jazõke 26. aug. 2008, lk. 9. Suurbritannia endise peaministri Margaret Thatcheri tütar Carol Thatcher kirjutab peatselt ilmuvas mälestusteraamatus oma ema dementsusest

  1. Effect of shale-tar additives on the antiwear properties of motor oils

    Energy Technology Data Exchange (ETDEWEB)

    Zelenin, N.I.; Gulin, E.I.

    1975-01-01

    The wear of bushings was decreased by the addition of 3% ashless SP-2 (a shale tar fraction boiling 350 to 400/sup 0/C) to lubricating oils, which synergistically increased the antiwear properties of other additives in the oil.

  2. Tar ball frequency data and analytical results from a long-term beach monitoring program.

    Science.gov (United States)

    Owens, Edward H; Mauseth, Gary S; Martin, Colin A; Lamarche, Alain; Brown, John

    2002-08-01

    Following the spill of fuel oils from the New Carissa in February 1999, approximately 300 km of beaches on the Pacific coast of North America were surveyed. A long-term observation program focused on the documentation of stranded tar balls in the vicinity of the spill site. Systematic beach surveys which were conducted over the period March 1999 to April 2001 and semi-logarithmic scale, time-series plots proved the most useful format for identifying trends. Beach monitoring continued through to August 2001. by which time 212 tar balls had been analyzed by GC/MS for their chemical characteristics. The samples of tar balls collected between February 1999 and August 2001 were qualitatively compared with New Carissa source oils (NCSO) and 101 (48%) were not consistent with NSCO. The presence of tar balls that are not related to an incident can confound attempts to define cleanup or endpoint criteria and to assess possible injury to natural resources.

  3. International Versus Domestic Auditing of Bank Solvency

    OpenAIRE

    Andrew Feltenstein; Roger Dean Lagunoff

    2003-01-01

    This paper examines alternative ways to prevent losses from bank insolvencies. It is widely viewed that transparency in reporting bank balance sheets is a key element in reducing such losses. It is, however, unclear just how such transparency would be achieved. Current approaches to avoiding insolvencies generally involve international enforcement mechanisms. Among these are the sovereign debt restructuring mechanism (SDRM), and, more generally, an international bankruptcy court. We develop a...

  4. Light absorption properties of laboratory generated tar ball particles

    Science.gov (United States)

    Hoffer, A.; Tóth, A.; Nyirő-Kósa, I.; Pósfai, M.; Gelencsér, A.

    2015-06-01

    Tar balls (TBs) are a specific particle type which is abundant in the global troposphere, in particular in biomass smoke plumes. These particles belong to the family of atmospheric brown carbon (BrC) which can absorb light in the visible range of the solar spectrum. Albeit TBs are typically present as individual particles in biomass smoke plumes, their absorption properties have been only indirectly inferred from field observations or calculations based on their electron energy-loss spectra. This is because in biomass smoke TBs coexist with various other particle types (e.g. organic particles with inorganic inclusions and soot, the latter is emitted mainly during flaming conditions) from which they cannot be physically separated; thus, a direct experimental determination of their absorption properties is not feasible. Very recently we have demonstrated that TBs can be generated in the laboratory from droplets of wood tar that resemble atmospheric TBs in all of their observed properties. As a follow-up study we have installed on-line instruments to our laboratory set-up generating pure TB particles to measure the absorption and scattering, as well as size distribution of the particles. In addition, samples were collected for transmission electron microscopy (TEM) and total carbon (TC) analysis. The effects of experimental parameters were also studied. The mass absorption coefficients of the laboratory generated TBs were found to be in the range of 0.8-3.0 m2 g-1 at 550 nm, with absorption Ångström exponents (AAE) between 2.7 and 3.4 (average 2.9) in the wavelength range 467-652 nm. The refractive index of TBs as derived from Mie calculations was about 1.84-0.21i at 550 nm. In the brown carbon continuum these values fall closer to those of soot than to other light-absorbing species such as humic-like substances (HULIS). Considering the abundance of TBs in biomass smoke and the global magnitude of biomass burning emissions, these findings may have substantial

  5. Light absorption properties of laboratory-generated tar ball particles

    Science.gov (United States)

    Hoffer, A.; Tóth, A.; Nyirő-Kósa, I.; Pósfai, M.; Gelencsér, A.

    2016-01-01

    Tar balls (TBs) are a specific particle type that is abundant in the global troposphere, in particular in biomass smoke plumes. These particles belong to the family of atmospheric brown carbon (BrC), which can absorb light in the visible range of the solar spectrum. Albeit TBs are typically present as individual particles in biomass smoke plumes, their absorption properties have been only indirectly inferred from field observations or calculations based on their electron energy-loss spectra. This is because in biomass smoke TBs coexist with various other particle types (e.g., organic particles with inorganic inclusions and soot, the latter emitted mainly during flaming conditions) from which they cannot be physically separated; thus, a direct experimental determination of their absorption properties is not feasible. Very recently we have demonstrated that TBs can be generated in the laboratory from droplets of wood tar that resemble atmospheric TBs in all of their observed properties. As a follow-up study, we have installed on-line instruments to our laboratory set-up, which generate pure TB particles to measure the absorption and scattering, as well as the size distribution of the particles. In addition, samples were collected for transmission electron microscopy (TEM) and total carbon (TC) analysis. The effects of experimental parameters were also studied. The mass absorption coefficients of the laboratory-generated TBs were found to be in the range of 0.8-3.0 m2 g-1 at 550 nm, with absorption Ångström exponents (AAE) between 2.7 and 3.4 (average 2.9) in the wavelength range 467-652 nm. The refractive index of TBs as derived from Mie calculations was about 1.84 - 0.21i at 550 nm. In the brown carbon continuum, these values fall closer to those of soot than to other light-absorbing species such as humic-like substances (HULIS). Considering the abundance of TBs in biomass smoke and the global magnitude of biomass burning emissions, these findings may have

  6. Light absorption properties of laboratory-generated tar ball particles

    Directory of Open Access Journals (Sweden)

    A. Hoffer

    2016-01-01

    Full Text Available Tar balls (TBs are a specific particle type that is abundant in the global troposphere, in particular in biomass smoke plumes. These particles belong to the family of atmospheric brown carbon (BrC, which can absorb light in the visible range of the solar spectrum. Albeit TBs are typically present as individual particles in biomass smoke plumes, their absorption properties have been only indirectly inferred from field observations or calculations based on their electron energy-loss spectra. This is because in biomass smoke TBs coexist with various other particle types (e.g., organic particles with inorganic inclusions and soot, the latter emitted mainly during flaming conditions from which they cannot be physically separated; thus, a direct experimental determination of their absorption properties is not feasible. Very recently we have demonstrated that TBs can be generated in the laboratory from droplets of wood tar that resemble atmospheric TBs in all of their observed properties. As a follow-up study, we have installed on-line instruments to our laboratory set-up, which generate pure TB particles to measure the absorption and scattering, as well as the size distribution of the particles. In addition, samples were collected for transmission electron microscopy (TEM and total carbon (TC analysis. The effects of experimental parameters were also studied. The mass absorption coefficients of the laboratory-generated TBs were found to be in the range of 0.8–3.0 m2 g−1 at 550 nm, with absorption Ångström exponents (AAE between 2.7 and 3.4 (average 2.9 in the wavelength range 467–652 nm. The refractive index of TBs as derived from Mie calculations was about 1.84 − 0.21i at 550 nm. In the brown carbon continuum, these values fall closer to those of soot than to other light-absorbing species such as humic-like substances (HULIS. Considering the abundance of TBs in biomass smoke and the global magnitude of biomass burning

  7. Regional Banks in the Russian Banking System

    Directory of Open Access Journals (Sweden)

    Mikhail Vitalyevich Leonov

    2015-06-01

    Full Text Available Despite the lack of a uniform definition of «a regional bank», problems of their activities are widely discussed in the context of increasing regulation of the banking sector and creation of conditions for accelerated development of certain regions. The author analyses the Russian-language scientific literature in order to define «a regional bank» and systematize its key differences from other commercial banks. The researcher shows that the allocation of regional banks in a separate group should be related to specific features of the environment and not by endogenous factors associated with the selection of activities and balance sheet structure. The low level of financial market development and concentration of specific undiversified risks are the principal qualifiers differentiating between regional banks and other credit institutions in Russia. As classification criteria the author uses following: spatial representation (the bank does not have structural subdivisions in Moscow and the ownership structure (among the bank’s owners there are no national and international financial groups that have a direct impact on the operations of the bank

  8. Relevance of carbon structure to formation of tar and liquid alkane during coal pyrolysis

    International Nuclear Information System (INIS)

    Liu, Peng; Le, Jiawei; Wang, Lanlan; Pan, Tieying; Lu, Xilan; Zhang, Dexiang

    2016-01-01

    Highlights: • Curve-fitting method was used to quantify the accurate contents of structural carbon. • Effect of carbon structure in coal with different rank on formation of pyrolysis tar was studied. • Numerical interrelation between carbon types in coal structure and tar yield is elaborated. • Effect of carbon structure on formation of liquid alkane during coal pyrolysis is discussed. - Abstract: The relevance of carbon structure to formation of tar and liquid alkane during coal pyrolysis were discussed extensively. The pyrolysis tests were carried out in a tube reactor at 873 K and keep 15 min. The carbon distribution in coals was investigated by solid state 13 C nuclear magnetic resonance (N.M.R.). The curve-fitting method was used to quantify the accurate contents of structural carbon. The alkanes in coal tar were analyzed by Gas Chromatograph–Mass Spectrometer (GC–MS). The results show that oxygen-linked aromatic carbon decreases with the increasing of coal rank. The aliphatic carbon contents of Huainan (HN) coal are 44.20%, the highest among the four coals. The carbon types in coal structure have a significant influence on the formation of tar and liquid alkane. The coal tar yields are related to the aliphatic substituted aromatic carbon, CH 2 /CH 3 ratio and oxygen-linked carbon in coal so that the increasing order of tar yield is Inner Mongolia lignite (IM, 6.30 wt.%) < Sinkiang coal (SK, 7.55 wt.%) < Shenmu coal (SM, 12.84 wt.%) < HN (16.29 wt.%). The highest contents of oxygen-linked aromatic carbon in IM lead to phenolic compound of 41.06% in IM-tar. The contents of alkane in SM-tar are the highest because the appropriate CH 2 /CH 3 ratio and the highest aliphatic side chains on aromatic rings in SM leading to generate aliphatic hydrocarbon with medium molecular weight easily. The mechanism on formation of tar and liquid alkane plays an important role in guiding the industrialization of pyrolysis-based poly-generation producing tar with high

  9. GenBank

    Data.gov (United States)

    U.S. Department of Health & Human Services — GenBank is the NIH genetic sequence database, an annotated collection of all publicly available DNA sequences. GenBank is designed to provide and encourage access...

  10. Green Bank Observatory (GBO)

    Data.gov (United States)

    Federal Laboratory Consortium — The largest fully steerable telescope in the world - the Robert C. Byrd Green Bank Telescope (GBT), began observations in Green Bank, West Virginia in 2000and is a...

  11. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

    The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervisioncan be "outsourced" in an open economy with substantial foreign direct investment (FDI)in the banking sector if political...... nationalism does not trump economic rationality. An orthodox CB renders the central banking function redundant in terms of interest rate and exchange rate determination. FDI in banking could perform the same role for the supervisory function of central banks. We use the case of Estonia to illustrate...... the feasibility of, and constraints on, outsourcing of central bank functions. A brief discussion of the Argentinian experience is used for contrast.Key words: Currency Board, Foreign Banks, Supervision, Regional Integration,outsourcing....

  12. Thermal Cracking of Tars in a Continuously Fed Reactor with Steam

    Science.gov (United States)

    2011-05-01

    Fluidized Bed using biomass 8 Tars  Mixture of organic components present in gasification product gas with high molecular weight hydrocarbons [MW...Disable sulfur removal systems FoulingPlugging [Ref. 3: Biomass Gasification – Tar and Particles in Product Gases Sampling and Analysis”, European...P., and Nussbaumer T., “Gas Cleaning Requirements for Internal Combustion Engine Applications of Fixed Bed Biomass Gasification ”, Biomass and

  13. Criteria for selection of dolomites and catalysts for tar elimination from biomass gasification gas. Kinetic constants

    Energy Technology Data Exchange (ETDEWEB)

    Corella, J.; Narvaez, I.; Orio, A. [Madrid Univ. (Spain). Dept. of Chem. Eng.

    1996-12-31

    Calcined dolomites and commercial steam reforming catalysts are used downstream biomass gasifiers for hot catalytic raw gas cleaning. To further compare these solids under a rigorous basis, a reaction network and a kinetic model are presented. The apparent kinetic constant for the tar reduction is here proposed as a basis of comparison. Tar sampling and analysis, and the units used for the space-time in the catalytic reactor affect the kinetic constants observed. (author) (2 refs.)

  14. Selected constituents in the smokes of foreign commercial cigaretts: tar, nicotine, carbon monoxide, and carbon dioxide

    Energy Technology Data Exchange (ETDEWEB)

    Jenkins, R.A.; Quincy, R.B.; Guerin, M.R.

    1979-05-01

    The tar, nicotine, carbon monoxide, and carbon dioxide contents of the smokes of 220 brands of foreign commercial cigarettes are reported. In some instances, filter cigarettes of certain brands were found to deliver as much or more smoke constituents than their nonfilter counterparts. Also, data indicated that there can be a great variation in the tar, nicotine, or carbon monoxide content of the smoke of samples of a given brand of cigarettes, depending on the nation in which they are purchased. 24 tables.

  15. Human cystic and alveolar echinococcosis in the Tibet Autonomous Region (TAR), China.

    Science.gov (United States)

    Feng, X; Qi, X; Yang, L; Duan, X; Fang, B; Gongsang, Q; Bartholomot, B; Vuitton, D A; Wen, H; Craig, P S

    2015-11-01

    Human cystic echinococcosis (CE) is known to be endemic in the Tibet Autonomous Region (TAR), China; however, there is relatively little data from hospital records or community prevalence studies, and the situation regarding occurrence of human alveolar echinococcosis (AE) is unclear. Here we review the available reports about human echinococcosis in the seven prefectures of TAR. In addition, two pilot studies by mass screening using ultrasound (with serology) were undertaken (2006/7) in Dangxiong County of Lhasa Prefecture (north central TAR) and Dingqing County of Changdu Prefecture (eastern TAR). In Dangxiong County a prevalence of 9.9% (55/557) for human CE was obtained but no human AE cases were detected. By contrast, in Dingqing County (N= 232 persons screened), 11 CE cases (4.7%) and 12 AE cases (5.2%) (including one mixed CE and AE case) were diagnosed by ultrasound. Hospital records and published reports indicated that CE cases were recorded in all of seven prefectures in Tibet Autonomous Region, and AE cases in four prefectures. Incidence rates of human CE were estimated to range from 1.9 to 155 per 100,000 across the seven prefectures of TAR, with a regional incidence of 45.1 per 100,000. Incidence of AE was estimated to be between 0.6 and 2.8 cases per 100,000. Overall for TAR, human AE prevalence appeared relatively low; however, the pilot mass screening in Dingqing in eastern TAR indicated that human AE disease is a potential public health problem, possibly similar to that already well described in Tibetan communities bordering TAR in north-west Sichuan and south-west Qinghai provinces.

  16. Parallels between playbacks and Pleistocene tar seeps suggest sociality in an extinct sabretooth cat, Smilodon

    OpenAIRE

    Carbone, Chris; Maddox, Tom; Funston, Paul J.; Mills, Michael G.L.; Grether, Gregory F.; Van Valkenburgh, Blaire

    2008-01-01

    Inferences concerning the lives of extinct animals are difficult to obtain from the fossil record. Here we present a novel approach to the study of extinct carnivores, using a comparison between fossil records (n=3324) found in Late Pleistocene tar seeps at Rancho La Brea in North America and counts (n=4491) from playback experiments used to estimate carnivore abundance in Africa. Playbacks and tar seep deposits represent competitive, potentially dangerous encounters where multiple predators ...

  17. WOOD TAR IN THE DNIEPER AND ELBE COMMUNITIES: VI – II MILLENIUM BC

    OpenAIRE

    Pietrzak, Sławomir

    2012-01-01

    The study ‘Wood Tars in the Dnieper and Elbe Communities: 6th – 2nd Millenium BC’ is the first European monograph of its kind in the professional literature devoted to the general question of the craft technology and application of wood tars among proto-agrarian communities across the long line of the Neolithic, Eneolithic and beginning of the Bronze Age across the vast expanse of borderlands joining Eastern and Western Europe. The research for the purpose of this monograph ...

  18. Relationship between FTC 'tar' and urine mutagenicity in smokers of tobacco-burning or Eclipse cigarettes.

    Science.gov (United States)

    Bowman, Denise L; Smith, Carr J; Bombick, Betsy R; Avalos, Jerry T; Davis, Riley A; Morgan, Walter T; Doolittle, David J

    2002-11-26

    The US Federal Trade Commission (FTC) classifies domestic cigarettes into one of three 'tar' categories based on 'tar' and nicotine levels. The objective of the present study was to determine urine mutagenicity in groups of smokers of ultra-low 'tar' (ULT), full-flavor low 'tar' (FFLT) and full-flavor 'tar' (FF) filtered cigarettes after switching to primarily tobacco-heating Eclipse cigarettes. Sixty-seven smokers maintained a specified diet and consumed ad libitum their usual brands of cigarettes, switched to Eclipse, and switched back to their usual brands. Twenty-four hour urine samples were collected weekly, concentrated on XAD-2 resin, and tested in the Ames mutagenicity assay using bacterial strains TA98 and YG1024 with S9 metabolic activation. Daily consumption of cigarettes was not significantly different (at Pbrand smokers as measured by the more sensitive strain YG1024, although no significant differences (Pbrand FTC 'tar' categories as measured by strain TA98. The reduction in urinary mutagens in the more sensitive strain, YG1024, observed in ULT smokers as compared with higher 'tar' categories suggest reduced exposure to mutagens. Usual brand salivary cotinine in the ULT group was significantly lower (Pbrand. After switching to Eclipse, the following reductions in urinary mutagenicity were observed: ULT, 70.1+/-6.4% (TA98), 70.9+/-6.2% (YG1024); FFLT, 77.1+/-2.4% (TA98), 73.6+/-2.0% (YG1024); and FF, 76.1+/-3.5% (TA98), 71.4+/-4.0% (YG1024). Across all 'tar' categories, cigarette smokers experienced significant reductions (P<0.05) in urine mutagenicity, but not salivary cotinine, upon switching to Eclipse. The reduction in urine mutagenicity when smoking Eclipse provides supporting evidence that Eclipse may present less risk of cancer compared to cigarettes currently in the market.

  19. International Islamic Banking

    OpenAIRE

    saleem, shahid

    2007-01-01

    The purpose of this exploratory and to some extent descriptive analysis is to highlight the Islamic banking & finance theory, and to explain the practical disparity all over the Muslim Umma along with commonalities of Islamic banking in them. Islamic banking has been now become a value proposition which transcends cultures and will do speedily in next decades despite of cutting throat competition expected in global banking scenario. The size of Islamic Financial Industry has now reached size ...

  20. GenBank

    OpenAIRE

    Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Wheeler, David L.

    2006-01-01

    GenBank (R) is a comprehensive database that contains publicly available nucleotide sequences for more than 240 000 named organisms, obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects. Most submissions are made using the web-based BankIt or standalone Sequin programs and accession numbers are assigned by GenBank staff upon receipt. Daily data exchange with the EMBL Data Library in Europe and the DNA Data Bank of Japan...

  1. Audit of a bank

    OpenAIRE

    Ambros, Lukáš

    2012-01-01

    The goal of my thesis "Audit of a bank" is to identify and describe the area of external and internal audit in banking and to focus on specifics of bank audit in comparison to external audit of commercial enterprise. The first part is focused on audit of financial statements. In the second part are described the specifics of banking segment. Third part describes internal audit and cooperation between external and internal audit. In the last part there are described methods applied during the ...

  2. Framing a Bank

    DEFF Research Database (Denmark)

    Holmgreen, Lise-Lotte

    2012-01-01

    Danish bank, Danske Bank, during the 2008 financial crisis and hence in shaping its image projected to the public. Through the study of a number of semantic frames adopted by the Danish print press and those adopted by the Bank, this article will argue for the constructions of the press putting...... considerable strain on the Bank and its image, leading it to reconsider its previous strategy of denial of responsibility...

  3. 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.

  4. Inhaled smoke volume and puff indices with cigarettes of different tar and nicotine levels

    International Nuclear Information System (INIS)

    Woodman, G.; Newman, S.P.; Pavia, D.; Clarke, S.W.

    1987-01-01

    Ten asymptomatic smokers each smoked a low, low-to-middle and a middle tar cigarette with approximately the same tar-to-nicotine ratio, in a randomised order. The inhaled smoke volume was measured by tracing the smoke with the inert gas 81 Kr m . Puffing indices were recorded using an electronic smoking analyser and flowhead/cigarette holder. Throughout the study neither the mean inhaled smoke volume per puff nor the total inhaled smoke volume per cigarette changed significantly; however, the mean and total puff volumes were largest with the low tar cigarette and decreased with the higher tar brands. Puff volume was related to puff work (r s =0.83,P s =0.10,P>0.1). It is concluded that when switched between brands with the same tar-to-nicotine ratio, smokers increase their puff volumes with a lower tar cigarette but do not change the volume of smoke inhaled. Puff work and puff resistance were significantly correlated (r s =0.45,P<0.02). (author)

  5. Porous Carbon Nanofibers from Electrospun Biomass Tar/Polyacrylonitrile/Silver Hybrids as Antimicrobial Materials.

    Science.gov (United States)

    Song, Kunlin; Wu, Qinglin; Zhang, Zhen; Ren, Suxia; Lei, Tingzhou; Negulescu, Ioan I; Zhang, Quanguo

    2015-07-15

    A novel route to fabricate low-cost porous carbon nanofibers (CNFs) using biomass tar, polyacrylonitrile (PAN), and silver nanoparticles has been demonstrated through electrospinning and subsequent stabilization and carbonization processes. The continuous electrospun nanofibers had average diameters ranging from 392 to 903 nm. The addition of biomass tar resulted in increased fiber diameters, reduced thermal stabilities, and slowed cyclization reactions of PAN in the as-spun nanofibers. After stabilization and carbonization, the resultant CNFs showed more uniformly sized and reduced average diameters (226-507 nm) compared to as-spun nanofibers. The CNFs exhibited high specific surface area (>400 m(2)/g) and microporosity, attributed to the combined effects of phase separations of the tar and PAN and thermal decompositions of tar components. These pore characteristics increased the exposures and contacts of silver nanoparticles to the bacteria including Gram-positive Staphylococcus aureus and Gram-negative Escherichia coli, leading to excellent antimicrobial performances of as-spun nanofibers and CNFs. A new strategy is thus provided for utilizing biomass tar as a low-cost precursor to prepare functional CNFs and reduce environmental pollutions associated with direct disposal of tar as an industrial waste.

  6. Gasification of municipal solid waste in a downdraft gasifier: Analysis of tar formation

    Directory of Open Access Journals (Sweden)

    Tabitha Geoffrey Etutu

    2016-04-01

    Full Text Available In this study, municipal solid waste (MSW from a dumpsite was converted into refuse derived fuel (RDF and used as feedstock for an air-blown gasification process. The gasification process was conducted in a 10 kg.hr -1 downdraft gasifier at different air flow rates of 300, 350, 400, 450 and 550 NL.min1 at atmospheric pressure in order to investigate the quantity and quality of tar formed. It was shown that the increase in the air flow rate from 300 NL.min1 to 550 NL.min1 led to an increase in the oxidation temperature from 719°C to 870°C and an increase in the reduction temperature from 585°C to 750°C, respectively. Tar was reduced from 15 g.Nm3 to 4.7 g.Nm3 respectively. Heavy tar compounds (>C17 e.g. pyrene and phenathrene, decreased with the increase in the light tar compounds (tar reduction through a tar cracking process.

  7. Optical, physical, and chemical properties of tar balls observed during the Yosemite Aerosol Characterization Study

    Science.gov (United States)

    Hand, J. L.; Malm, W. C.; Laskin, A.; Day, D.; Lee, T.; Wang, C.; Carrico, C.; Carrillo, J.; Cowin, J. P.; Collett, J.; Iedema, M. J.

    2005-11-01

    The Yosemite Aerosol Characterization Study of summer 2002 (YACS) occurred during an active fire season in the western United States and provided an opportunity to investigate many unresolved issues related to the radiative effects of biomass burning aerosols. Single particle analysis was performed on field-collected aerosol samples using an array of electron microscopy techniques. Amorphous carbon spheres, or "tar balls," were present in samples collected during episodes of high particle light scattering coefficients that occurred during the peak of a smoke/haze event. The highest concentrations of light-absorbing carbon from a dual-wavelength aethalometer (λ = 370 and 880 nm) occurred during periods when the particles were predominantly tar balls, indicating they do absorb light in the UV and near-IR range of the solar spectrum. Closure experiments of mass concentrations and light scattering coefficients during periods dominated by tar balls did not require any distinct assumptions of organic carbon molecular weight correction factors, density, or refractive index compared to periods dominated by other types of organic carbon aerosols. Measurements of the hygroscopic behavior of tar balls using an environmental SEM indicate that tar balls do not exhibit deliquescence but do uptake some water at high (˜83%) relative humidity. The ability of tar balls to efficiently scatter and absorb light and to absorb water has important implications for their role in regional haze and climate forcing.

  8. Reduced tar, nicotine, and carbon monoxide exposure while smoking ultralow- but not low-yield cigarettes.

    Science.gov (United States)

    Benowitz, N L; Jacob, P; Yu, L; Talcott, R; Hall, S; Jones, R T

    1986-07-11

    An unresolved public health issue is whether some modern cigarettes are less hazardous than others and whether patients who cannot stop smoking should be advised to switch to lower-yield cigarettes. We studied "tar" (estimated by urine mutagenicity), nicotine, and carbon monoxide exposure in habitual smokers switched from their usual brand to high- (15 mg of tar), low- (5 mg of tar), or ultralow-yield (1 mg of tar) cigarettes. There were no differences in exposure comparing high- or low-yield cigarettes, but tar and nicotine exposures were reduced by 49% and 56%, respectively, and carbon monoxide exposure by 36% while smoking ultralow-yield cigarettes. Similarly, in 248 subjects smoking their self-selected brand, nicotine intake, estimated by blood concentrations of its metabolite cotinine, was 40% lower in those who smoked ultralow but no different in those smoking higher yields of cigarettes. Our data indicate that ultralow-yield cigarettes do deliver substantial doses of tar, nicotine, and carbon monoxide, but that exposures are considerably less than for other cigarettes.

  9. Effect of filter vent blocking on carbon monoxide exposure from selected lower tar cigarette brands.

    Science.gov (United States)

    Sweeney, C T; Kozlowski, L T; Parsa, P

    1999-05-01

    Two studies were conducted to determine the effect of blocking filter vents on carbon monoxide (CO) exposure under ad lib smoking conditions. In Study 1, 12 daily cigarette smokers smoked cigarettes from the brands Now (1 mg tar by the FTC Method) and Marlboro Lights (10 mg tar) under each of two vent-blocking conditions (unblocked and finger blocked). Blocking filter vents with fingers led to an 85% increase in CO for the brand Now, but had no added effect on CO exposure from the Marlboro Lights. In Study 2, another 12 daily cigarette smokers smoked cigarettes from each of four additional brands: Carlton (1 mg tar), Now (2 mg tar), Virginia Slims Ultra-lights (5 mg tar), and Virginia Slims Lights (8 mg tar). Blocking filter vents with the lips caused all four brands to produce equal CO exposures. Blocking vents increased smokers' exposure to CO by 239% when smoking Carltons and by 44% when smoking Nows. No significant increases in CO with blocking were found for either of the Virginia Slims brands. These results suggest that the degree to which a brand is ventilated determines whether that brand is susceptible to increased CO yields as a result of vent blocking.

  10. Structural and dynamic characterization of the upper part of the HIV-1 cTAR DNA hairpin

    Science.gov (United States)

    Zargarian, Loussiné; Kanevsky, Igor; Bazzi, Ali; Boynard, Jonathan; Chaminade, Françoise; Fossé, Philippe; Mauffret, Olivier

    2009-01-01

    First strand transfer is essential for HIV-1 reverse transcription. During this step, the TAR RNA hairpin anneals to the cTAR DNA hairpin; this annealing reaction is promoted by the nucleocapsid protein and involves an initial loop–loop interaction between the apical loops of TAR and cTAR. Using NMR and probing methods, we investigated the structural and dynamic properties of the top half of the cTAR DNA (mini-cTAR). We show that the upper stem located between the apical and the internal loops is stable, but that the lower stem of mini-cTAR is unstable. The residues of the internal loop undergo slow motions at the NMR time-scale that are consistent with conformational exchange phenomena. In contrast, residues of the apical loop undergo fast motions. The lower stem is destabilized by the slow interconversion processes in the internal loop, and thus the internal loop is responsible for asymmetric destabilization of mini-cTAR. These findings are consistent with the functions of cTAR in first strand transfer: its apical loop is suitably exposed to interact with the apical loop of TAR RNA and its lower stem is significantly destabilized to facilitate the subsequent action of the nucleocapsid protein which promotes the annealing reaction. PMID:19417069

  11. Essays on banking

    NARCIS (Netherlands)

    Mosk, T.C.

    2014-01-01

    This dissertation studies how banks collect and process information. The first chapter studies how the organizational structure of banks affects the processing of information. The second chapter studies how banks use private information collected over the lending relationship in credit negotiations.

  12. Banking in Africa

    NARCIS (Netherlands)

    Beck, T.H.L.; Cull, R.; Berger, A.; Molyneux, P.; Wilson, J.

    2014-01-01

    This paper takes stock of the current state of banking systems across Sub-Saharan Africa and discusses recent developments including innovations that might help Africa leapfrog more traditional banking models. Using an array of different data, the paper documents that African banking systems are

  13. Bank profitability during recessions

    NARCIS (Netherlands)

    Bolt, Wilko; de Haan, Leo; Hoeberichts, Marco; van Oordt, Maarten R C; Swank, Job

    This paper contributes to the literature on the relation between bank profitability and economic activity. When allowing for stronger co-movement of bank profit with economic activity during deep recessions, we find a much larger impact of output growth on bank profitability than commonly found in

  14. Banking and Trading

    NARCIS (Netherlands)

    Boot, A.W.A.; Ratnovski, L.

    2016-01-01

    We study the interaction between relationship banking and short-term arm’s length activities of banks, called trading. We show that a bank can use the franchise value of its relationships to expand the scale of trading, but may allocate too much capital to trading ex post , compromising its ability

  15. Kinetics of co-pyrolysis of sawdust, coal and tar.

    Science.gov (United States)

    Montiano, M G; Díaz-Faes, E; Barriocanal, C

    2016-04-01

    Two coals, sawdust and coal tar were selected to prepare briquettes. Thermogravimetric analyses at three heating rates (i.e. 10, 20 and 30°C/min) and up to 1000°C were carried out with the briquette components. Four blends were prepared and the experimental decomposition profiles were compared with the calculated data taking into account the amount of each component in the blend. No interaction was found when comparing the experimental and calculated decomposition profiles of the blends. Isoconversional models OFW (Ozawa-Flynn-Wall) and KAS (Kissinger-Akahira-Sunose) were used to obtain the activation energies of the blend components. The activation energies obtained were introduced in the Coats-Redfern (CR) model to derive the pre-exponential factors. The thermal decomposition profiles calculated using the kinetic parameters were in good agreement with the experimental results in the case of the briquette components, but worse results were obtained in the case of the blends due to their greater complexity. Copyright © 2016 Elsevier Ltd. All rights reserved.

  16. Topical tazarotene vs. coal tar in stable plaque psoriasis

    Energy Technology Data Exchange (ETDEWEB)

    Kumar, U.; Kaur, I.; Dogra, S.; De, D.; Kumar, B. [Postgraduate Institute of Medical Education & Research, Chandigarh (India)

    2010-07-15

    The efficacy of topical tazarotene has not previously been compared with the conventional topical treatment of crude coal tar (CCT) in stable plaque psoriasis. In this nonblinded side-to-side comparison study, patients with chronic stable plaque psoriasis, who had bilaterally symmetrical plaques on the limbs, applied 0.1% tazarotene gel on the right side and 5% CCT ointment on the left side once daily for 12 weeks followed by an 8-week treatment-free follow up period. Severity of psoriatic lesions and response to treatment was evaluated by scoring erythema, scaling and induration (ESI). Of 30 patients recruited, 27 could be assessed. In the per-protocol analysis, the mean percentage reduction in ESI score at the end of the treatment period was 74.15% {+-} 9.43 and 77.37% {+-} 10.93 with tazarotene and CCT, respectively (P {gt} 0.05). A reduction in ESI score of {gt} 75% was seen in 11 (40.74%) and 16 (59.26%) patients with tazarotene and CCT, respectively, at the end of 12 weeks. Side-effects were seen in 48.14% of patients treated with tazarotene, but in no patient treated with CCT. Tazarotene 0.1% gel has comparable clinical efficacy to CCT 5% ointment. CCT ointment remains a cost-effective therapy for plaque psoriasis.

  17. First experimental results on the IShTAR testbed

    Energy Technology Data Exchange (ETDEWEB)

    D’Inca, R.; Jacquot, J.; Ochoukov, R.; Morgal, I.; Fünfgelder, H.; Faugel, H. [Max-Planck-Institut für Plasmaphysik, Garching (Germany); Crombe, K.; Louche, F.; Van Eester, D. [LPP-ERM-KMS, TEC partner, Brussels (Belgium); Heuraux, S.; Devaux, S.; Moritz, J.; Faudot, E. [Institut Jean Lamour UMR 7198 CNRS-Université de Lorraine, Nancy (France); Noterdaeme, J.-M. [Max-Planck-Institut für Plasmaphysik, Garching (Germany); Department of Applied Physics, Ghent University (Belgium)

    2015-12-10

    IShTAR (Ion cyclotron Sheath Test ARrangement) is a linear magnetized plasma test facility dedicated to the investigation of RF wave/plasma interaction [1] in the Ion Cyclotron Range of Frequencies (ICRF). It provides a better accessibility for the instrumentation than tokamaks while being representative of the neighboring region of the wave emitter. It is equipped with a magnetized plasma source (1 m long, 0.4 m diameter) powered by a helical antenna up to 3 kW at 11 MHz. We present the results of the first analysis of the plasma characteristics (plasma density, electron temperature) in function of the operating parameters (injected power, neutral pressure and magnetic field) as measured with fixed and movable Langmuir probes, spectrometer and cameras. The plasma is presently produced only by the helical antenna (no ICRF). We show that the plasma exists in three regime depending on the power level: the first two ones are stable and separated by a jump in density; a first spatial profile of the plasma density has been established for these modes; The third mode is unstable, characterized by strong oscillations of the plasma tube position.

  18. A clinical study of oropharyngeal carcinoma. Chemoradioselection by TAR therapy

    International Nuclear Information System (INIS)

    Wada, Tetsuro; Yoshimura, Tomonori; Ohara, Hirotatsu

    2013-01-01

    The data of 91 patients with oropharyngeal carcinoma treated at the University of Tsukuba Hospital between 2002 and 2011 were reviewed. The mean age (±standard deviation) was 62.5 (±10.2) years and the male-female ratio was 5.5 : 1. The tumor originated from the lateral wall in 58 cases (63.7%), the anterior wall in 22 cases (24.2%), the superior wall in 8 cases (8.8%), and the posterior wall in 3 cases (3.3%). Six cases were revealed to be positive for human papilloma virus (HPV) among the 7 cases examined. Only supportive care was administered in 12 cases. The remaining 79 cases were treated, and the disease-specific 5-year survival rate was 55.6%. Smoking and alcohol consumption were significantly related to the disease-specific survival rate. At our department, chemoradiotherapy is initiated with 45 Gy of radiation concurrently with a novel oral fluoropyrimidine derivative (Teysuno, Taiho Phamaceutical Co., Ltd.) and vitamin A (TAR therapy), to improve the rate of curative surgical resection and select appropriate candidates for further definitive chemoradiotherapy to allow organ preservation (chemoradioselection). Chemoselection by induction chemotherapy, or chemoradioselection by initial concurrent chemoradiotherapy is considered to be important to make individualized treatment selection for patients with oropharyngeal carcinoma, because of the highly variable response to definitive chemoradiotherapy among cases. (author)

  19. Integrated Biomass Gasification with Catalytic Partial Oxidation for Selective Tar Conversion

    Energy Technology Data Exchange (ETDEWEB)

    Zhang, Lingzhi; Wei, Wei; Manke, Jeff; Vazquez, Arturo; Thompson, Jeff; Thompson, Mark

    2011-05-28

    Biomass gasification is a flexible and efficient way of utilizing widely available domestic renewable resources. Syngas from biomass has the potential for biofuels production, which will enhance energy security and environmental benefits. Additionally, with the successful development of low Btu fuel engines (e.g. GE Jenbacher engines), syngas from biomass can be efficiently used for power/heat co-generation. However, biomass gasification has not been widely commercialized because of a number of technical/economic issues related to gasifier design and syngas cleanup. Biomass gasification, due to its scale limitation, cannot afford to use pure oxygen as the gasification agent that used in coal gasification. Because, it uses air instead of oxygen, the biomass gasification temperature is much lower than well-understood coal gasification. The low temperature leads to a lot of tar formation and the tar can gum up the downstream equipment. Thus, the biomass gasification tar removal is a critical technology challenge for all types of biomass gasifiers. This USDA/DOE funded program (award number: DE-FG36-O8GO18085) aims to develop an advanced catalytic tar conversion system that can economically and efficiently convert tar into useful light gases (such as syngas) for downstream fuel synthesis or power generation. This program has been executed by GE Global Research in Irvine, CA, in collaboration with Professor Lanny Schmidt's group at the University of Minnesota (UoMn). Biomass gasification produces a raw syngas stream containing H2, CO, CO2, H2O, CH4 and other hydrocarbons, tars, char, and ash. Tars are defined as organic compounds that are condensable at room temperature and are assumed to be largely aromatic. Downstream units in biomass gasification such as gas engine, turbine or fuel synthesis reactors require stringent control in syngas quality, especially tar content to avoid plugging (gum) of downstream equipment. Tar- and ash-free syngas streams are a critical

  20. The Response of Performance to Merger Strategy in Indonesian Banking Industry: Analyses on Bank Mandiri, Bank Danamon, and Bank Permata

    Directory of Open Access Journals (Sweden)

    Murti Lestari

    2010-05-01

    Full Text Available This study analyzes the responses of performances of BankMandiri, Bank Danamon, and Bank Permata to merger strategy.This paper harnesses the quantitative approach with structuralbreak analysis method and impulse response function. Theplausible findings indicate that the merger of Bank Permataproduces a better performance response in comparison to theconsolidation of Bank Mandiri and the merger of Bank Danamon.The merger of Bank Permata does not result in performanceshocks, and the structural break does not prevail either. On theother hand, the consolidation of Bank Mandiri and the mergerof Bank Danamon result in structural breaks, particularly in thespread performance. In order to return to the stable position, themergers of Bank Mandiri and Bank Danamon require a longertime than does the merger of Bank Permata. This researchindicates that for large banks, the mergers and acquisitions(retaining one existing bank will deliver a better performanceresponse than will the consolidations (no existing bank. Keywords: impulse response function; merger; structural break

  1. BANKING WITHOUT INTEREST

    Directory of Open Access Journals (Sweden)

    Jana Ilieva

    2017-06-01

    Full Text Available In recent years, there has been increased global awareness of Islamic finance. This topic is mainly opened with respect to the great financial crisis that mostly hit the banking system and the financial markets and caused many bank bankruptcies and state interventions. This paper analyzes the basic principles of Islamic banking. The absolute prohibition of receiving and giving interest (Riba and profit-and-loss sharing (PLS paradigms are elaborated in detail; they are primarily based on mudarabah (profit-sharing and musyarakah (joint venture concepts which nowadays are becoming an accepted way of doing business in several Western multinational banks. An overall comparison of the advantages of Islamic vs. conventional banking is also given. Islamic finance technology solutions have matured and they will face various challenges in the following decades, due to conventional banks offering, increasingly, Islamic products. The need for a more comprehensive environment and regulatory framework is emphasized, so that Islamic banking development can be ensured.

  2. Engineering New Catalysts for In-Process Elimination of Tars

    Energy Technology Data Exchange (ETDEWEB)

    Felix, Larry G. [Gas Technology Inst., Des Plaines, IL (United States)

    2012-09-30

    The key objective of this project was to develop a new and more efficient methodology for engineering and economically producing optimized robust catalysts for the reduction or elimination of tars in biomass gasification. Whereas current catalyst technology typically disposes thin layers of catalytically-active material onto rigid supports via wet chemistry-based methods, this project investigated novel thermal methods for directly incorporating catalytically active materials onto robust supports as well as novel approaches for incorporating catalytically active materials on and/or within an otherwise inert refractory support material which is then subsequently formed and processed to create a catalytically-active material on all exposed surfaces. Specifically, the focus of this engineered catalyst development was on materials which were derived from, or otherwise related to, olivine-like minerals, due to the inherent attrition resistance and moderate catalytic properties exhibited by natural olivine when used in a fluidized bed biomass gasifier. Task 1 of this project successfully demonstrated the direct thermal impregnation of catalytically-active materials onto an olivine substrate, with the production of a Ni-olivine catalyst. Nickel and nickel oxide were thermally impregnated onto an olivine substrate and when reduced were shown to demonstrate improved catalytic activity over the baseline olivine material and equal the tar-decomposing performance of Ni-olivine catalysts prepared by conventional wet impregnation. Task 2 involved coordination with our subcontracted project partners to further develop and characterize catalyst formulations and to optimize activity and production methods. Within this task, several significant new materials were developed. NexTech Materials developed a sintered ceramic nickel-magnesium-silicate catalyst that demonstrated superb catalytic activity and high resistance to deactivation by H2S. Alfred University developed both supported

  3. Effects of electric current upon catalytic steam reforming of biomass gasification tar model compounds to syngas

    International Nuclear Information System (INIS)

    Tao, Jun; Lu, Qiang; Dong, Changqing; Du, Xiaoze; Dahlquist, Erik

    2015-01-01

    Highlights: • ECR technique was proposed to convert biomass gasification tar model compounds. • Electric current enhanced the reforming efficiency remarkably. • The highest toluene conversion reached 99.9%. • Ni–CeO 2 /γ-Al 2 O 3 exhibited good stability during the ECR performance. - Abstract: Electrochemical catalytic reforming (ECR) technique, known as electric current enhanced catalytic reforming technique, was proposed to convert the biomass gasification tar into syngas. In this study, Ni–CeO 2 /γ-Al 2 O 3 catalyst was prepared, and toluene was employed as the major feedstock for ECR experiments using a fixed-bed lab-scale setup where thermal electrons could be generated and provided to the catalyst. Several factors, including the electric current intensity, reaction temperature and steam/carbon (S/C) ratio, were investigated to reveal their effects on the conversion of toluene as well as the composition of the gas products. Moreover, toluene, two other tar model compounds (benzene and 1-methylnaphthalene) and real tar (tar-containing wastewater) were subjected to the long period catalytic stability tests. All the used catalysts were analyzed to determine their carbon contents. The results indicated that the presence of electric current enhanced the catalytic performance remarkably. The toluene conversion reached 99.9% under the electric current of 4 A, catalytic temperature of 800 °C and S/C ratio of 3. Stable conversion performances of benzene, 1-methylnaphthalene and tar-containing wastewater were also observed in the ECR process. H 2 and CO were the major gas products, while CO 2 and CH 4 were the minor ones. Due to the promising capability, the ECR technique deserves further investigation and application for efficient tar conversion

  4. Cancer risk estimation for mixtures of coal tars and benzo(a)pyrene

    Energy Technology Data Exchange (ETDEWEB)

    Gaylor, D.W.; Culp, S.J.; Goldstein, L.S.; Beland, F.A.

    2000-02-01

    Two-year chronic bioassays were conducted by using B6C3F1 female mice fed several concentrations of two different mixtures of coal tars from manufactured gas waste sites or benzo(a)pyrene (BaP). The purpose of the study was to obtain estimates of cancer potency of coal tar mixtures, by using conventional regulatory methods, for use in manufactured gas waste site remediation. A secondary purpose was to investigate the validity of using the concentration of a single potent carcinogen, in this case benzo(a)pyrene, to estimate the relative risk for a coal tar mixture. The study has shown that BaP dominates the cancer risk when its concentration is greater than 6,300 ppm in the coal tar mixture. In this case the most sensitive tissue site is the forestomach. Using low-dose linear extrapolation, the lifetime cancer risk for humans is estimated to be: Risk < 1.03 x 10{sup {minus}4} (ppm coal tar in total diet) + 240 x 10{sup {minus}4} (ppm BaP in total diet), based on forestomach tumors. If the BaP concentration in the coal tar mixture is less than 6,300 ppm, the more likely case, then lung tumors provide the largest estimated upper limit of risk, Risk < 2.55 x 10{sup {minus}4} (ppm coal tar in total diet), with no contribution of BaP to lung tumors. The upper limit of the cancer potency (slope factor) for lifetime oral exposure to benzo(a)pyrene is 1.2 x 10{sup {minus}3} per {micro}g per kg body weight per day from this Good Laboratory Practice (GLP) study compared with the current value of 7.3 x 10{sup {minus}3} per {micro}g per kg body weight per day listed in the US EPA Integrated Risk Information System.

  5. The documentation of tar balls on oiled shorelines : lessons from the New Carissa, Oregon

    International Nuclear Information System (INIS)

    Owens, E.H.; Zimlicki-Owens, L.M.; Lamarche, A.; Reimer, P.D.; Martin, C.A.

    2000-01-01

    The New Carissa, carrying approximately 400,000 gallons of fuel oils ran aground on the outer shore of North Spit, in the vicinity of Coos Bay, Oregon, on February 4, 1999. The oil was released directly into the nearshore surf zone. Following the spill, a stretch of approximately 300 km of the coast of Oregon was surveyed and monitored. The need for the documentation of stranded tar balls in the neighbourhood of the spill site prompted the implementation of a long-term observation program. Initially, Shoreline Clean-up and Assessment Technique (SCAT) reporting procedures were required. Heavy oiling was followed by stranded oil taking the form of tar balls. The amount of oil on the shoreline decreased and the SCAT procedures alone were no longer adequate. They provided estimations of oil quantities that were too high and failed to provide any discrimination between amounts of oil observed on the beaches. A new reporting technique called Beach Assessment Reporting was designed to overcome the difficulties and record adequately the character and frequency of stranded tar balls. Maps, tables and histograms of stranded tar ball volumes and concentrations were discussed. Since the data spanned nine orders of magnitude at times, the semi-logarithmic scale time series plots of the concentration of the tar balls was used in order to identify trends. Conventional histograms only identified large values and camouflaged smaller trends in the time series. A direct method for describing tar ball concentrations geographically proved to be the use of weekly maximum tar ball concentration maps by segment. 10 refs., 2 tabs., 9 figs

  6. Field and Model Study to Define Baseline Conditions of Beached Oil Tar Balls along Florida’s First Coast

    OpenAIRE

    Peter Bacopoulos; James David Lambert; Mary Hertz; Luis Montoya; Terry Smith

    2014-01-01

    Anecdotal data are currently the best data available to describe baseline conditions of beached oil tar balls on Florida’s First Coast beaches. This study combines field methods and numerical modeling to define a data-driven knowledge base of oil tar ball baseline conditions. Outcomes from the field study include an established methodology for field data collection and laboratory testing of beached oil tar balls, spatial maps of collected samples and analysis of the data as to transport/wash-...

  7. Oil from biomass corncob tar as a fuel

    International Nuclear Information System (INIS)

    Zhang, Hongmei; Wang, Jun

    2007-01-01

    In this study, biomass corncob tar oil (B-oil I and B-oil II) was extracted and its characteristics were measured. The characterization data show some similarities and differences among B-oil I, B-oil II and the Diesel: flash point. The densities and viscosities are higher than that of Diesel fuel. The solidifying point for B-oil I and B-oil II were lower than that of Diesel. The heating value of B-oil I and B-oil II were about 85.6% and 87.3% of that ordinary Diesel fuel (OD). The distillation temperatures of B-oil I and B-oil II were lower than that of Diesel fuel, with the 50% evaporation point being as much as 10 o C and 4 o C lower and the 90% evaporation point being 10 o C and 2 o C lower, respectively. These evaporation characteristics implied better cold starting and warm up properties of B-oil I and B-oil II than that of Diesel fuel. B-oil I and B-oil II were blended with Diesel in 10% and 20% by volume. Engine tests have been conducted with the aim of obtaining comparative measures of torque, thermal efficiency, specific fuel consumption and emissions such as CO, smoke density and NO to evaluate and compute the behavior of the Diesel engine running on the above mentioned fuels. The reduction in exhaust emissions, together with the increases in torque and thermal efficiency and the reduction in specific fuel consumption made the blends of B-oil I and B-oil II a suitable alternative fuel for Diesel and could help in controlling air pollution

  8. Studies of RF sheaths and diagnostics on IShTAR

    Energy Technology Data Exchange (ETDEWEB)

    Crombé, K., E-mail: Kristel.Crombe@UGent.be [Department of Applied Physics, Ghent University, Ghent (Belgium); LPP-ERM/KMS, Royal Military Academy, Brussels (Belgium); Devaux, S.; Faudot, E.; Heuraux, S.; Moritz, J. [YIJL, UMR7198 CNRS-Université de Lorraine, Nancy (France); D’Inca, R.; Faugel, H.; Fünfgelder, H.; Jacquot, J.; Ochoukov, R. [Max-Planck-Institut für Plasmaphysik, Garching (Germany); Louche, F.; Tripsky, M.; Van Eester, D.; Wauters, T. [LPP-ERM/KMS, Royal Military Academy, Brussels (Belgium); Noterdaeme, J.-M. [Department of Applied Physics, Ghent University, Ghent (Belgium); Max-Planck-Institut für Plasmaphysik, Garching (Germany)

    2015-12-10

    IShTAR (Ion cyclotron Sheath Test ARrangement) is a linear magnetised plasma test facility for RF sheaths studies at the Max-Planck-Institut für Plasmaphysik in Garching. In contrast to a tokamak, a test stand provides more liberty to impose the parameters and gives better access for the instrumentation and antennas. The project will support the development of diagnostic methods for characterising RF sheaths and validate and improve theoretical predictions. The cylindrical vacuum vessel has a diameter of 1 m and is 1.1 m long. The plasma is created by an external cylindrical plasma source equipped with a helical antenna that has been designed to excite the m=1 helicon mode. In inductive mode, plasma densities and electron temperatures have been characterised with a planar Langmuir probe as a function of gas pressure and input RF power. A 2D array of RF compensated Langmuir probes and a spectrometer are planned. A single strap RF antenna has been designed; the plasma-facing surface is aligned to the cylindrical plasma to ease the modelling. The probes will allow direct measurements of plasma density profiles in front of the RF antenna, and thus a detailed study of the density modifications induced by RF sheaths, which influences the coupling. The RF antenna frequency has been chosen to study different plasma wave interactions: the accessible plasma density range includes an evanescent and propagative behaviour of slow or fast waves, and allows the study of the effect of the lower hybrid resonance layer.

  9. Changes in the structure of coal tar during its thermolysis

    Energy Technology Data Exchange (ETDEWEB)

    Koloc, M.; Bekarek, V.; Rojak, A.; Roubicek, V.

    1983-01-01

    The changes in the structure of coal tar during thermal decomposition at 150 to 500 degrees have been studied (every 50 degrees). The heating was conducted at a speed of 3C per minute. The samples were analyzed using a nuclear magnetic resonance (YaMR) (H-1) method at 60 megahertz in a Varian A-60 instrument. The spectra were measured in a 30 percent solution in hexadeuterium benzene using tetramethylsilane as the external standard. The carbon, hydrogen and nitrogen contents were determined in the microsamples in a Perkin Elmer instrument. The structural parameters (the ratio of the number of aromatic carbon atoms to the total number of carbon atoms, the ratio of the number of aromatic hydrogen atoms to the number of aromatic carbon atoms and the degree of substitution of the aromatic carbon systems by aliphatic substituents) were determined using a Brown Ladner method. The elementary composition with the distribution of hydrogen into aromatic and aliphatic and the carbon into aliphatic and aromatic (including a common one for several nuclei which bears the hydrogen and the aliphatic substituents) was determined using a nuclear magnetic resonance method. All of the studied samples had a high degree of aromatization with small differences. The ratio of the number of aromatic hydrogen atoms to the number of aromatic carbon atoms with an increase in the final temperature from 150 to 500 degrees is reduced from 0.603 to 0.483, which points to the shift of the starting 4 to 5 nuclear systems into 10 to 12 nuclear condensed systems.

  10. Atmospheric tar balls from biomass burning in Mexico

    Science.gov (United States)

    Adachi, Kouji; Buseck, Peter R.

    2011-03-01

    Atmospheric tar balls (TBs) are spherical, organic aerosol particles that occur in smoke from biomass burning (BB). They absorb sunlight and thereby cause warming of the atmosphere. This study reports a transmission electron microscope (TEM) study of TBs from BB smoke samples collected within minutes to hours from emission in a tropical area of Mexico. Their spherical shapes as seen in both scanning electron microscope images and with electron tomography indicate that they were solid when collected. They consist of C and minor O, S, K, and N. The hygroscopic growth factor for our relatively fresh TBs is 1.09 ± 0.04 at a relative humidity of 100%. In samples 1.6 km from the fire, an average of ˜1 and 14%, respectively, of particles with aerodynamic diameter from 50 to 300 nm consisted of TBs. For the latter, more aged samples, the total volume was roughly double that of soot, and their total calculated light absorption at a wavelength of 550 nm was between 74 and 96% that of soot, with the exact amount depending on the size, shape, and coating of the soot. In general, the TBs that we analyzed were similar to those from North America, southern Africa, and Europe in terms of size, external mixing, relative freedom of inclusions, and composition. This and previous studies show that TBs result from a range of biomass fuels. Their distribution from various regions across the globe, combined with their optical properties, suggests they have important effects on regional and perhaps global climate.

  11. Crystallization and preliminary X-ray diffraction analysis of the periplasmic domain of the Escherichia coli aspartate receptor Tar and its complex with aspartate

    Energy Technology Data Exchange (ETDEWEB)

    Mise, Takeshi; Matsunami, Hideyuki; Samatey, Fadel A.; Maruyama, Ichiro N., E-mail: ichi@oist.jp [Okinawa Institute of Science and Technology Graduate University, 1919-1 Tancha, Onna-son, Kunigami, Okinawa 904-0495 (Japan)

    2014-08-27

    The periplasmic domain of the E. coli aspartate receptor Tar was cloned, expressed, purified and crystallized with and without bound ligand. The crystals obtained diffracted to resolutions of 1.58 and 1.95 Å, respectively. The cell-surface receptor Tar mediates bacterial chemotaxis toward an attractant, aspartate (Asp), and away from a repellent, Ni{sup 2+}. To understand the molecular mechanisms underlying the induction of Tar activity by its ligands, the Escherichia coli Tar periplasmic domain with and without bound aspartate (Asp-Tar and apo-Tar, respectively) were each crystallized in two different forms. Using ammonium sulfate as a precipitant, crystals of apo-Tar1 and Asp-Tar1 were grown and diffracted to resolutions of 2.10 and 2.40 Å, respectively. Alternatively, using sodium chloride as a precipitant, crystals of apo-Tar2 and Asp-Tar2 were grown and diffracted to resolutions of 1.95 and 1.58 Å, respectively. Crystals of apo-Tar1 and Asp-Tar1 adopted space group P4{sub 1}2{sub 1}2, while those of apo-Tar2 and Asp-Tar2 adopted space groups P2{sub 1}2{sub 1}2{sub 1} and C2, respectively.

  12. Fundamental Principles of Stem Cell Banking.

    Science.gov (United States)

    Sun, Changbin; Yue, Jianhui; He, Na; Liu, Yaqiong; Zhang, Xi; Zhang, Yong

    2016-01-01

    Stem cells are highly promising resources for application in cell therapy, regenerative medicine, drug discovery, toxicology and developmental biology research. Stem cell banks have been increasingly established all over the world in order to preserve their cellular characteristics, prevent contamination and deterioration, and facilitate their effective use in basic and translational research, as well as current and future clinical application. Standardization and quality control during banking procedures are essential to allow researchers from different labs to compare their results and to develop safe and effective new therapies. Furthermore, many stem cells come from once-in-a-life time tissues. Cord blood for example, thrown away in the past, can be used to treat many diseases such as blood cancers nowadays. Meanwhile, these cells stored and often banked for long periods can be immediately available for treatment when needed and early treatment can minimize disease progression. This paper provides an overview of the fundamental principles of stem cell banking, including: (i) a general introduction of the construction and architecture commonly used for stem cell banks; (ii) a detailed section on current quality management practices; (iii) a summary of questions we should consider for long-term storage, such as how long stem cells can be stored stably, how to prevent contamination during long term storage, etc.; (iv) the prospects for stem cell banking.

  13. Banking Union- Present Stage and its Perspectives

    Directory of Open Access Journals (Sweden)

    Petre Prisecaru

    2014-05-01

    Full Text Available Banking Union is very important for financial stability of EU, for preventing any future crisis, for improving corporate governance in the banking sector, for completing the single market for financial services and for the strengthening of monetary union, for opening the way to fiscal union and to political union. There is not enough theoretical research in the field of banking union, but there are many recent contributions on behalf of foreign and Romanian experts and analysts, which refer mainly to the three components/pillars of EU banking union: a Single Supervision Mechanism (SSM, a Single Resolution Mechanism (SRM and an harmonized system of deposit guarantee schemes. Some micro studies and surveys carried out by prestigious institutions, like Deutsche Bank, Brookings Institution, CEPS have been run over and analyzed together with the positions and opinions of different European officials, and also with the content of EU secondary legislation. An empirical research was made with the aim to identify all essential aspects relating to EU banking union, which may concern the academics, researchers and business community. The paper is based on a previous research study coordinated by author and contains his own conclusions focused on the main arguments in favour of banking union.

  14. Use of mineral oil Fleet enema for the removal of a large tar burn: a case report.

    Science.gov (United States)

    Carta, Tricia; Gawaziuk, Justin; Liu, Song; Logsetty, Sarvesh

    2015-03-01

    Extensive hot tar burns are relatively uncommon. Management of these burns provides a significant clinical challenge especially with respect to tar removal involving a large total body surface area (TBSA), without causing further tissue injury. We report a case of an over 40-year old male construction worker who was removing a malfunctioning cap from broken valve. This resulted in tar spraying over the anterior surface of his body including legs, feet, chest, abdomen, arms, face and oral cavity (80% TBSA covered in tar resulting in a 50% TBSA burn injury). Initially, petrolatum-based, double antibiotic ointment was used to remove the tar, based on our previous experience with small tar burns. However, this was time-consuming and ineffective. The tar was easily removed with mineral oil without irritation. In order to meet the demand for quantity of mineral oil, the pharmacy suggested using mineral oil Fleet enema (C.B. Fleet Company, Inc., Lynchburg, Virginia, USA). The squeezable bottle and catheter tip facilitated administration of oil into the patient's construction boots and under clothing that was adhered to the patient's skin. Tar removal requires an effective, non-toxic and non-irritating agent. Mineral oil is such an agent. For patients that may present with a large surface area tar burn, using mineral oil Fleet enema is a viable option that facilitates application into difficult areas. Grant Support: The Firefighters' Burn Fund (Manitoba) supported this project. Copyright © 2014 Elsevier Ltd and ISBI. All rights reserved.

  15. IDENTIFICATION OF SOME CARCINOGENIC POLYCYCLIC AROMATIC HYDROCARBONS IN BANGLADESHI VEHICLES EXHAUST TAR BY GAS CHROMATOGRAPHY-MASS SPECTROPHOTOMETER

    Directory of Open Access Journals (Sweden)

    M. Amzad Hossain

    2010-06-01

    Full Text Available A more sensitive GC-MS method has been established for the determination of some carcinogenic polycyclic aromatic hydrocarbons (PAHs in vehicles exhaust tar samples. The tar samples were extracted using dichloromethane (DMC: n-hexane solvent mixture. A multi-layer clean-up (silica gel/sodium sulphate column was used, followed by glass fiber filter (GFF paper. The method was successfully applied to determine a number of PAHs present in exhaust tar sample of different vehicles of the Atomic Energy Centre, Dhaka, Bangladesh.   Keywords: Carcinogenic polycyclic aromatic hydrocarbons, vehicles tar samples, identification, GC-MS/MS

  16. Iron(II) supramolecular helicates interfere with the HIV-1 Tat-TAR RNA interaction critical for viral replication

    Science.gov (United States)

    Malina, Jaroslav; Hannon, Michael J.; Brabec, Viktor

    2016-07-01

    The interaction between the HIV-1 transactivator protein Tat and TAR (transactivation responsive region) RNA, plays a critical role in HIV-1 transcription. Iron(II) supramolecular helicates were evaluated for their in vitro activity to inhibit Tat-TAR RNA interaction using UV melting studies, electrophoretic mobility shift assay, and RNase A footprinting. The results demonstrate that iron(II) supramolecular helicates inhibit Tat-TAR interaction at nanomolar concentrations by binding to TAR RNA. These studies provide a new insight into the biological potential of metallosupramolecular helicates.

  17. A new paradigm of modern central banking

    Directory of Open Access Journals (Sweden)

    Aleksandra Szunke

    2013-05-01

    Full Text Available The changes in the modern monetary policy, which took place at the beginning of the twenty-first century, in response to the global financial crisis led to the transformation of the place and the role of central banks. The strategic aim of the central monetary institutions has become preventing financial instability. So far, central banks have defined financial stability as a public good, which took care independently of other monetary purposes (Pyka, 2010. Unconventional monetary policy resulted in changes the global central banking. The aim of the study is to identify a new paradigm of the role and place of the central bank in the financial system and its new responsibilities, aimed at countering financial instability.

  18. Adopting Internet Banking in Ghana

    OpenAIRE

    G.O. Ofori-Dwumfuo; Betty A. Dankwah

    2013-01-01

    This study looks at the benefits, challenges and barriers in adopting Internet banking at a major bank in Ghana. The development of the Internet is changing the way financial services are provided in Ghana. The Internet banking facility has resulted in new ways of delivering banking services. The research is a case study based on the staffs that has worked with the bank for more than three years. In evaluating benefits, challenges and barriers to the bank in adopting Internet banking, intervi...

  19. The purification of coal tar by the addition of quinoline and Zn(oh)/sub 2/

    International Nuclear Information System (INIS)

    Zhou, P.; Chen, Q.L.; Ao, X.Q.; Kang, C

    2017-01-01

    The coal tar was purified by the addition of quinoline and Zn(OH)2, in order to decrease the content of carbon and inorganic oxide particles. The effect on the viscosity and ash content of the coal tar were investigated by altering temperature, time, and the amount of quinolone and Zn(OH)2 . When the volume ratio between quinolone and coal tar was 20:1 and the static time was 24 h. The viscosity of three layers decreased with rising temperature. When the static temperature and time was 45 °C and 24 h, respectively. The viscosity of three layers decreased with the arising amount of quinoline. And when the volume ratio between quinolone and coal tar was 20:1 and the temperature was 45 °C. The viscosity of three layers decreased first and then increased with the prolonging of static time. And when the static time of coal tar was 24 h, the viscosity of coal tar is the lowest. Because of the lower viscosity of coal tar, decreasing the content of carbon and ash particles in upper and middle layer, the ash content decreased from 0.168% to 0.092%. The addition of Zn(OH)2 can lead ash content in middle layer decrease to 0.058%. Zn2SiO4 and ZnAl2O4 may be produced due to the reaction between Zn (OH) 2 and SiO2 or Al2O3, which can settle down easily. The results show that the content of carbon and inorganic oxide particles in upper-middle-class (the middle 4/5 of the whole volume) decreased with the addition of quinolone and Zn(OH)2 . When the volume ratio between quinolone and coal tar was 50:2, quality ratio between coal tar and Zn(OH)2 was 20000:1, the mixture were heated up to 45 °C at atmospheric pressure and keeping this constant temperature for 24 h, the ash content in upper-middle-class can decreased to 0.058%. (author)

  20. Challenge of mitigating bank frauds by judicious mix of technology: Experience of a developing country

    Directory of Open Access Journals (Sweden)

    Madan Lal Bhasin

    2016-12-01

    Full Text Available Banks are the engines that drive the operations in the financial sector, money markets and growth of an economy. With the rapidly growing banking industry in India, frauds in banks are also increasing fast, and fraudsters have started using innovative methods. A questionnaire-based survey was conducted in 2013-14 among 345 bank employees to know their perception towards bank frauds, degree of their compliance level, and integration of technology to detect, control and prevent frauds. This study provides discussion of the attitudes, strategies, and the technology that bank specialists will need to combat frauds. Banks that can leverage advances in technology and analytics to improve fraud prevention will reduce their fraud losses. In 2015, the RBI introduced new mechanisms for banks to check loan frauds by taking pro-active steps by setting up a Central Fraud Registry, introduced the concept of Red Flagged Account, and Indian investigative agencies will soon start sharing their databases with banks.

  1. Thermodynamic analysis of tar reforming through auto-thermal reforming process

    International Nuclear Information System (INIS)

    Nurhadi, N.; Diniyati, Dahlia; Efendi, M. Ade Andriansyah; Istadi, I.

    2015-01-01

    Fixed bed gasification is a simple and suitable technology for small scale power generation. One of the disadvantages of this technology is producing tar. So far, tar is not utilized yet and being waste that should be treated into a more useful product. This paper presents a thermodynamic analysis of tar conversion into gas producer through non-catalytic auto-thermal reforming technology. Tar was converted into components, C, H, O, N and S, and then reacted with oxidant such as mixture of air or pure oxygen. Thus, this reaction occurred auto-thermally and reached chemical equilibrium. The sensitivity analysis resulted that the most promising process performance occurred at flow rate of air was reached 43% of stoichiometry while temperature of process is 1100°C, the addition of pure oxygen is 40% and preheating of oxidant flow is 250°C. The yield of the most promising process performance between 11.15-11.17 kmol/h and cold gas efficiency was between 73.8-73.9%.The results of this study indicated that thermodynamically the conversion of tar into producer gas through non-catalytic auto-thermal reformingis more promising

  2. Research into the group composition of tar using the gas liquid chromatography method

    Energy Technology Data Exchange (ETDEWEB)

    Lisin, S.N.; Stepanov, Yu.V.; Lisina, L.A.; Chistyakov, A.N.

    1986-03-01

    This paper first gives a brief review of current methods used for determining chemical composition of tars, then describes experiments using gas liquid chromatography (GLC) to determine the chemical composition of delta/sub 1/, delta/sub 2/, delta, and delta fractions of medium temperature tars obtained during normal solvent processing (isooctane, toluene, quinoline). For delta and delta fractions, a Tsvet-104 chromatograph was used with a flame-ionization detector under the following conditions: column height 3 m, diameter 3 mm, AW-HMDS filler, 0.25-0.36 mm fractions with 5% SE-30, linear column temperature increase from 50-310/sup 0/C, velocity 6 C/min, condenser temperature 350/sup 0/C, velocity of carrier gas (helium) and hydrogen 100 ml/min, air consumption 1.5 l/min. delta/sub 1/ and delta/sub 2/ fractions were determined using a GC-IC chromatograph (manufactured by Shimatsu) under conditions analogous to those given above. Conclusion is that the yield of chromatographable compounds from tar by the GLC method with temperature programming is practically constant for each tar and can be characterized by the delta fraction content and its chemical composition. A method of determining the group composition of tars and the chemical composition of the delta fraction using GLC is proposed. 13 refs.

  3. UTILIZATION OF ACTIVATED ZEOLITE AS MOLECULAR SIEVE IN CHROMATOGRAPHIC COLUMN FOR SEPARATION OF COAL TAR COMPOUNDS

    Directory of Open Access Journals (Sweden)

    Dwi Retno Nurotul Wahidiyah

    2010-06-01

    Full Text Available Application of activated zeolite (ZAA as molecular sieve to separate compounds of coal tar from vaccum fractional distillation, have been done. The size of zeolite was 10-20 mesh and used as solid phase in column chromatography with length of 30 cm. The first step of the research was coal pyrolisis and the product (tar was distillated by fractional column and vaccum system at reduced pressure 44 cmHg and maximum temperature at 200 oC. The distillate from this procedure was flowed to the column chromatography of zeolite (ZAA. The compound absorbed by zeolite was eluted with varying solvents, i.e: CCl4, acetone and ethanol. Each fraction was then analyzed by gas chromatography. The results showed, zeolite have a capability to separate the compounds of tar and it tends to absorb medium hydrocarbon. The nonpolar eluent [CCl4] gives the better result in eluting tar compound than polar (ethanol or medium polar eluents (acetone.   Keywords: zeolite, coal tar, column chromatography

  4. Thermodynamic analysis of tar reforming through auto-thermal reforming process

    Energy Technology Data Exchange (ETDEWEB)

    Nurhadi, N., E-mail: nurhadi@tekmira.esdm.go.id; Diniyati, Dahlia; Efendi, M. Ade Andriansyah [R& D Centre for Mineral and Coal Technology, Jln. Jend.Sudirman no. 623, Bandung. Telp. 022-6030483 (Malaysia); Istadi, I. [Department of Chemical Engineering, Diponegoro University, Jln. Jl. Prof. Soedarto, SH, Semarang (Malaysia)

    2015-12-29

    Fixed bed gasification is a simple and suitable technology for small scale power generation. One of the disadvantages of this technology is producing tar. So far, tar is not utilized yet and being waste that should be treated into a more useful product. This paper presents a thermodynamic analysis of tar conversion into gas producer through non-catalytic auto-thermal reforming technology. Tar was converted into components, C, H, O, N and S, and then reacted with oxidant such as mixture of air or pure oxygen. Thus, this reaction occurred auto-thermally and reached chemical equilibrium. The sensitivity analysis resulted that the most promising process performance occurred at flow rate of air was reached 43% of stoichiometry while temperature of process is 1100°C, the addition of pure oxygen is 40% and preheating of oxidant flow is 250°C. The yield of the most promising process performance between 11.15-11.17 kmol/h and cold gas efficiency was between 73.8-73.9%.The results of this study indicated that thermodynamically the conversion of tar into producer gas through non-catalytic auto-thermal reformingis more promising.

  5. Microwave-induced cracking of pyrolytic tars coupled to microwave pyrolysis for syngas production.

    Science.gov (United States)

    Beneroso, D; Bermúdez, J M; Montes-Morán, M A; Arenillas, A; Menéndez, J A

    2016-10-01

    Herein a new process is proposed to produce a syngas-rich gas fraction (>80vol% H2+CO) from biowaste based on microwave heating within two differentiated steps in order to avoid tars production. The first step consists of the microwave pyrolysis of biowaste induced by a char-based susceptor at 400-800°C; tars, char and syngas-rich gas fractions being produced. The tars are then fed into the second step where a portion of the char from the first step is used as a bed material in a 0.3:1wt% ratio. This bed is heated up by microwaves up to 800°C, allowing thermal cracking of tars and additional syngas (>90vol% H2+CO) being then produced. This new concept arises as an alternative technology to the gasification of biowastes for producing syngas with no need for catalysts or gasifying reagents to minimise tars production. Copyright © 2016 Elsevier Ltd. All rights reserved.

  6. Nuclear fuel banks

    International Nuclear Information System (INIS)

    Anon.

    2010-01-01

    In december 2010 IAEA gave its agreement for the creation of a nuclear fuel bank. This bank will allow IAEA to help member countries that renounce to their own uranium enrichment capacities. This bank located on one or several member countries will belong to IAEA and will be managed by IAEA and its reserve of low enriched uranium will be sufficient to fabricate the fuel for the first load of a 1000 MW PWR. Fund raising has been successful and the running of the bank will have no financial impact on the regular budget of the IAEA. Russia has announced the creation of the first nuclear fuel bank. This bank will be located on the Angarsk site (Siberia) and will be managed by IAEA and will own 120 tonnes of low-enriched uranium fuel (between 2 and 4.95%), this kind of fuel is used in most Russian nuclear power plants. (A.C.)

  7. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

    Full Text Available From the 1980s onwards the banking sectors in all the industrialised countries have been experiencing intense restructuring, aggregation and consolidation, radically changing their ownership structures and geography. Whatever the reasons behind such restructuring processes, the globalisation of the credit markets, the consolidation of banking structures, the removal of barriers to the free location of banks and their penetration of peripheral markets pose two main questions. Will integration of the banking systems lead to a narrowing or a widening of the development gap between regions? What relations will there be between financial centres and the periphery, and how will financial labour be divided between national (international banks and local (regional banks? The aim of this paper is to address such questions in the light of recent developments in the theoretical and empirical literature on financial integration.

  8. Danske Bank - Imagekrise

    OpenAIRE

    Agerlin, Anne; Holmqvist, Maja

    2014-01-01

    This report examines and analyses the difference between Danske Bank's perception of themselves and the world's perception of the bank. The difference is illustrated, because tendency shows that boundaries have an effect on Danske Bank's image. We search through collected articles in a social constructivist perspective to handle both Danske Bank’s perception and the world’s perception. The empirical foundation has made it possible to process and interpret the stated problems. The adaptation i...

  9. GenBank

    OpenAIRE

    Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Sayers, Eric W.

    2008-01-01

    GenBank? is a comprehensive database that contains publicly available nucleotide sequences for more than 300 000 organisms named at the genus level or lower, obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects. Most submissions are made using the web-based BankIt or standalone Sequin programs, and accession numbers are assigned by GenBank? staff upon receipt. Daily data exchange with the European Molecular Biology Labo...

  10. GenBank

    OpenAIRE

    Benson, Dennis A.; Cavanaugh, Mark; Clark, Karen; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Sayers, Eric W.

    2012-01-01

    GenBank? (http://www.ncbi.nlm.nih.gov) is a comprehensive database that contains publicly available nucleotide sequences for almost 260 000 formally described species. These sequences are obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects, including whole-genome shotgun (WGS) and environmental sampling projects. Most submissions are made using the web-based BankIt or standalone Sequin programs, and GenBank staff assig...

  11. Banking: shop and compare.

    Science.gov (United States)

    O'Brien, Jennifer A; DeJarnette, Sherry

    2014-01-01

    There are many reasons to take a critical look at the practice's banking relationship(s)--technology advancements, security measures, improvements in available services, recent banking enhancements designed specifically for medical practices, the impact of the financial crisis on bank ratings and stability, changing practice needs, opportunities for operational automation at the practice--and it is just simply smart to periodically evaluate and compare the features, pricing, and potential savings offered by vendors.

  12. Shareholder activism in banking

    OpenAIRE

    Roman, Raluca

    2015-01-01

    This paper conducts the first assessment of shareholder activism in banking and its effects on risk and performance. The focus is on the conflicts among bank shareholders, managers, and creditors (e.g., regulators, deposit insurer, taxpayers, depositors). This paper finds activism may generally be a destabilizing force, increasing bank risk-taking, but creating market value for shareholders, and leaving operating returns unchanged, consistent with the empirical dominance of the Shareholder-Cr...

  13. European banks in Ukraine: Modelling risks, rewards and making forecasts

    Directory of Open Access Journals (Sweden)

    Helen Kostyuk

    2014-12-01

    Full Text Available The new model for banking control and regulation, suggested by Basel III, together with high dividend expectations of shareholders have fostered the transformation of the business model in European banking. The scale of market shares no longer plays an important role in banking business. The emphasis is now laid on its efficiency. It is determined by ROE indicators, the positive dynamics of which serves as: a good indicator for ensuring a proper level of capital adequacy of the bank and reducing systemic risks; a precondition for meeting the dividend expectations of shareholders; evidence of effective management of capital assets and bank costs. Thus, assessing and preventing the outflow of foreign capital from the national banking sector, the national market regulators should clearly understand the motivation behind it and take into account the business strategies of parent European banks, which include the following points: low liquidity of the stock market of the Eurozone, which significantly complicates the process of capitalization of European banking institutions, and inability to attract capital in sufficient amounts; potential opportunity for capitalization of banks (to meet the requirements of Basel III in the context of bank management and shareholders relations (improvement of profit management policy and dividend policy; optimization of asset management policy in order to reduce RWA assets in the assets of both parent and subsidiary banks

  14. Technological changes illustrated by the coal tar and tar dye industry; Die Wandlung der Technik am Beispiel der Steinkohlenteer- und Teerfarben-Chemie

    Energy Technology Data Exchange (ETDEWEB)

    Collin, G. [Deutsche Gesellschaft fuer Chemisches Apparatewesen, Chemische Technik und Biotechnologie e.V. (DECHEMA), Frankfurt am Main (Germany)

    2001-05-01

    Coal tar was detected in the 17th century in laboratory experiments based on empirical knowledge. In the 18th century industrial revolution, coal tar was an undesired by-product of iron production and coking plants. It was first used in the 19th century for impregnating railway sleepers. Later developments in atomic theory, new chemical symbols and organic element analysis provided the basis for discovering and chemical characterisation of coal tar constituents. Laboratory experiments with these tar constituents resulted in the first synthetic dyes, the postulation of tetravalent carbon and the resulting structural theory in organic chemistry for systematic synthesis of many tar dyes to substitute natural dyes in the textile industry. The technical application of these syntheses was part 2 of the industrial revolution and the foundation of the chemical industry in Germany, which developed rapidly in the 2nd half of the 19th century. Tar dye chemistry has made a significant contribution to Germany's economic growth and the change from an agricultural to an industrialized country. [German] Die Entdeckung des Steinkohlenteers im 17. Jahrhundert basiert auf durch Erfahrungswissen gepraegten Laboratoriumsexperimenten. Im Verlauf der 'Industriellen Revolution' des 18. Jahrhunderts ist der Steinkohlenteer zunaechst ein laestiges Abfallprodukt der Eisengewinnung im Kokshochofen und der Leuchtgasherstellung durch Kohlenverkokung. Erste technische Applikation finden Steinkohlenteeroele im 19. Jahrhundert durch den Eisenbahnbau zur Langzeit-Konservierung der dafuer benoetigten Holzschwellen. Die wissenschaftlichen Erfkenntnisse zur Atomtheorie, eine neue chemische Zeichensprache und die organische Elementaranalyse werden Voraussetzungen zur Entdeckung und chemischen Charakterisierung der Hauptinhaltsstoffe des Steinkohlenteers. Laboratoriumsexperimente mit den entdeckten Teerinhaltsstoffen fuehren zur Erfindung der ersten synthetischen Farbstoffe, die

  15. ANALISIS ANCAMAN PHISHING DALAM LAYANAN ONLINE BANKING

    Directory of Open Access Journals (Sweden)

    Ikhsan Radiansyah

    2016-01-01

    Full Text Available The purpose of this study was to determine the factors that cause the emergence of phishing and prevention against phishing threats. Systematic Literature Review methods used to find answers to the research questions by searching for studies related to the threat of phishing in online banking services and perform narrative synthesis on the findings. Minimal knowledge of the user, and the user's psychological privacy of users of social networking services considered as factors that cause phishing. Educating users about the threat of cyber crime, prevention at the level of e-mail, the use of anti-phishing software, and system implementation disposable password in banking services is an effective deterrent to the threat of phishing. Users must have a good knowledge of the threat of crime, especially phishing, and the Bank has the responsibility to provide education related to threats that can harm the user.

  16. Optimized detection of tar content in the manufacturing process using adaptive neuro-fuzzy inference systems.

    Science.gov (United States)

    Avdagic, Zikrija; Begic Fazlic, Lejla; Konjicija, Samim

    2009-01-01

    The purpose of this study is to model and optimize the detection of tar in cigarettes during the manufacturing process and show that low yield cigarettes contain similar levels of nicotine as compared to high yield cigarettes while B (Benzene), T(toluene) and X (xylene) (BTX) levels increase with increasing tar yields. A neuro-fuzzy system which comprises a fuzzy inference structure is used to model such a system. Given a training set of samples, the Adaptive Neuro-Fuzzy Inference System (ANFIS) classifiers learned how to differentiate a new case in the domain. The ANFIS classifiers were used to detect the tar in smoke condensate when five basic features defining cigarette classes indications were used as inputs. A classical method by High Performance Liquid Chromatography (HPLC) is also introduced to solve this problem. At last the performances of these two methods are compared.

  17. Blos på svenska : Två låtar med Peps Persson

    OpenAIRE

    Johansson, Andreas

    1998-01-01

    Andreas Johansson: Blos på svenska. Två låtar med Peps Persson. Uppsala: Musikvetenskap, 1998. C-uppsats (60 p). Hur låter amerikansk Chicagoblues framförd av en svensk bluesmusiker? Denna fråga har varit utgångspunkt för uppsatsen, för vilken syftet är att beskriva och jämföra likheter och skillnader mellan dagens Chicagoblues i Sverige och den ursprungliga amerikanska Chicagobluesen från 1950-talet. I uppsatsen jämförs två låtar från Peps Perssons skiva Rotblos (1997) med de låtar Peps anvä...

  18. Improving the modelling of the kinetics of the catalytic tar elimination in biomass gasification

    Energy Technology Data Exchange (ETDEWEB)

    Corella, J.; Toledo, J.M. [Department of Chemical Engineering, University ' Complutense' of Madrid (Spain); Aznar, M.P. [Dept. of Chem. and Environm. Engineering, University of Saragossa (Spain)

    2002-10-01

    A single one-lump first order reaction for the catalytic elimination of tar present in the flue gas from biomass fluidised-bed gasifiers is not good enough for some applications. A new and more advanced reacting network and microkinetic model has been generated and is here presented. It is based on two lumps, the more and the less reactive tar species, and has four kinetic constants. Each lump reacts (disappears) by both catalytic and thermal reactions. The microkinetic model is applied to results obtained, at around 840 deg C and at small pilot plant level, with two very different solids: silica sand and a commercial (ICI 46-1) nickel-based steam-reforming catalyst. The values found for the four kinetic constants are self-consistent, fit well the results and mean a clear step forward in the modelling of the catalytic tar abatement. (orig.)

  19. High temperature transformation of tar-asphaltene components of oil sand bitumen

    Directory of Open Access Journals (Sweden)

    Imanbayev Yerzhan

    2017-01-01

    Full Text Available Transformations of high-molecular-weight compounds of oil sand natural bitumen under the heat treatment were studied in this work. For that purpose the natural bitumen isolated from oil sand taken from the Beke field (Kazakhstan was used as a substrate. Thermal processing of natural bitumen leads to a general change in the chemical composition of components and to an increase in the output of certain fractions. The contents of oil, tar and asphaltenes were determined and the elemental composition of tar-asphaltene compounds was evaluated. Molecular structures of the tar and asphaltene components of natural bitumen before and after cracking have been defined from the data of elemental analysis, NMR spectroscopy and molecular weight. The high molecular compounds were presented as giant molecules containing small aromatic islands some of which were linked by aliphatic chains, that was proved by infrared spectroscopy.

  20. Coal tar creosote abuse by vapour inhalation presenting with renal impairment and neurotoxicity: a case report

    Science.gov (United States)

    Hiemstra, Thomas F; Bellamy, Christopher OC; Hughes, Jeremy H

    2007-01-01

    A 56 year old aromatherapist presented with advanced renal failure following chronic coal tar creosote vapour inhalation, and a chronic tubulo-interstitial nephritis was identified on renal biopsy. Following dialysis dependence occult inhalation continued, resulting in seizures, ataxia, cognitive impairment and marked generalised cerebral atrophy. We describe for the first time a case of creosote abuse by chronic vapour inhalation, resulting in significant morbidity. Use of the polycyclic aromatic hydrocarbon-containing wood preservative coal tar creosote is restricted by many countries due to concerns over environmental contamination and carcinogenicity. This case demonstrates additional toxicities not previously reported with coal tar creosote, and emphasizes the health risks of polycyclic aromatic hydrocarbon exposure. PMID:17892538

  1. Coal tar creosote abuse by vapour inhalation presenting with renal impairment and neurotoxicity: a case report

    Directory of Open Access Journals (Sweden)

    Hiemstra Thomas F

    2007-09-01

    Full Text Available Abstract A 56 year old aromatherapist presented with advanced renal failure following chronic coal tar creosote vapour inhalation, and a chronic tubulo-interstitial nephritis was identified on renal biopsy. Following dialysis dependence occult inhalation continued, resulting in seizures, ataxia, cognitive impairment and marked generalised cerebral atrophy. We describe for the first time a case of creosote abuse by chronic vapour inhalation, resulting in significant morbidity. Use of the polycyclic aromatic hydrocarbon-containing wood preservative coal tar creosote is restricted by many countries due to concerns over environmental contamination and carcinogenicity. This case demonstrates additional toxicities not previously reported with coal tar creosote, and emphasizes the health risks of polycyclic aromatic hydrocarbon exposure.

  2. Bank profitability: Insights from the rural banking industry in Ghana

    OpenAIRE

    Adusei, Michael

    2015-01-01

    This paper analyzes the profitability of 112 rural banks (special unit banks created to promote rural financial intermediation in Ghana). The results generally show that bank size, funding risk, diversification, liquidity risk, and bank stability are significant predictors of rural bank profitability. Whereas an improvement in the funding risk of a rural bank in a particular period portends a drop in its profitability in the future, an improvement in the size, diversification, liquidity risk,...

  3. Methods of Payment to Banks: e-Banking. Comparative Study on Three Banks

    Directory of Open Access Journals (Sweden)

    Miranda Petronella VLAD

    2012-11-01

    Full Text Available E-banking website, majority offers the banks. At first it was electronic-banking, Internet-banking followed, followed by mobile-banking service. These services offer the same facilities, Customer Bank just that varies the channel used for communication with the Bank. The services offered by banks through E-banking, approves: compilation of orders; scheduled payments; orders for payment of wages; internal transfers; pay rates on internal or external; currency exchanges; view balances of accounts at any time; information about foreign exchange rates; view and print account statements; the definition of beneficiaries of direct payments by the client.

  4. Paleontological overview of oil shale and tar sands areas in Colorado, Utah, and Wyoming.

    Energy Technology Data Exchange (ETDEWEB)

    Murphey, P. C.; Daitch, D.; Environmental Science Division

    2009-02-11

    In August 2005, the U.S. Congress enacted the Energy Policy Act of 2005, Public Law 109-58. In Section 369 of this Act, also known as the ''Oil Shale, Tar Sands, and Other Strategic Unconventional Fuels Act of 2005,'' Congress declared that oil shale and tar sands (and other unconventional fuels) are strategically important domestic energy resources that should be developed to reduce the nation's growing dependence on oil from politically and economically unstable foreign sources. In addition, Congress declared that both research- and commercial-scale development of oil shale and tar sands should (1) be conducted in an environmentally sound manner using management practices that will minimize potential impacts, (2) occur with an emphasis on sustainability, and (3) benefit the United States while taking into account concerns of the affected states and communities. To support this declaration of policy, Congress directed the Secretary of the Interior to undertake a series of steps, several of which are directly related to the development of a commercial leasing program for oil shale and tar sands. One of these steps was the completion of a programmatic environmental impact statement (PEIS) to analyze the impacts of a commercial leasing program for oil shale and tar sands resources on public lands, with an emphasis on the most geologically prospective lands in Colorado, Utah, and Wyoming. For oil shale, the scope of the PEIS analysis includes public lands within the Green River, Washakie, Uinta, and Piceance Creek Basins. For tar sands, the scope includes Special Tar Sand Areas (STSAs) located in Utah. This paleontological resources overview report was prepared in support of the Oil Shale and Tar Sands Resource Management Plan Amendments to Address Land Use Allocations in Colorado, Utah, and Wyoming and PEIS, and it is intended to be used by Bureau of Land Management (BLM) regional paleontologists and field office staff to support future

  5. Chemical structure of asphaltenes of tar semicoked from Kansk-Achinsk lignite

    Energy Technology Data Exchange (ETDEWEB)

    Platanov, V.V.; Proskuryakov, V.A.; Klyavina, O.A. [Ln Tolstoi Tula State Pedagogical Institute, Tula (Russian Federation)

    1994-03-01

    The chemical structure has been studied of asphaltenes of tar semicoked from Kansk-Achinsk lignite and recovered at a temperature less than or equal to 350{degree}C. Asphaltenes have been found to be a complete mixture of aromatic, alicyclic, hydroaromatic, and heterocyclic compounds substituted by alkyl chains and various functional groups. A number of asphaltene compounds originate from steroids and triterpanes, which widely occur in lipid and tar fractions of plants and in the metabolites of microbes. A procedure based on adsorptive liquid chromatography has been developed to separate asphaltenes into a great number of eluates with considerably differing structural parameters and functional compositions.

  6. Radiocarbon dating of extinct fauna in the Americas recovered from tar pits

    International Nuclear Information System (INIS)

    Jull, A.J.T.; Iturralde-Vinent, M.; O'Malley, J.M.; MacPhee, R.D.E.; McDonald, H.G.; Martin, P.S.; Moody, J.; Rincon, A.

    2004-01-01

    We have obtained radiocarbon dates by accelerator mass spectrometry on bones of extinct large mammals from tar pits. Results on some samples of Glyptodon and Holmesina (extinct large mammals similar to armadillos) yielded ages of >25 and >21 ka, respectively. We also studied the radiocarbon ages of three different samples of bones from the extinct Cuban ground sloth, Parocnus bownii, which yielded dates ranging from 4960 ± 280 to 11 880 ± 420 yr BP. In order to remove the tar component pretreat the samples sufficiently to obtain reliable dates, we cleaned the samples by Soxhlet extraction in benzene. Resulting samples of collagenous material were often small

  7. Aviation Turbine Fuels from Tar Sands Bitumen and Heavy Oils. Part 1. Process Analysis.

    Science.gov (United States)

    1984-09-01

    04 Z 1 2L z 0 U. 40c z 0 U wW qcM x U, > -(FHW ic x Z J Z M 300 z 4c 00 U AO U2 o g II. us us . . . .’we TABLE 26 WESTKEN OIL COST OF...Miller, J. D., M. Misra, "Concentration of Utah Tar Sands by on Ambient Temperature Flotation Process,"International Journal of Mineral...34Bitumen Recovery from Tar Sands Sludge - by Flotation using Promotor Additive," Canadian Patent #1146-897, (July 8, 1980). Sun Corporation Inc

  8. Reducing the {alpha}{sub 1} fraction in the coal tar and pitch at OOO Mechel-Koks

    Energy Technology Data Exchange (ETDEWEB)

    A.V. Kazak; V.A. Antonova; N.A. Protopopova; A.N. Baranov [OOO Chelyabinskii Zavod po Proizvodstvu Koksokhimicheskoi Produktsii (OOO Mechel-Koks), Chelyabinsk (Russian Federation)

    2009-08-15

    Means of reducing the content of quinoline-insoluble components (the {alpha}{sub 1} fraction) in highly pyrolyzed coal tar and reducing {alpha}{sub 1} in pitch on tar processing are considered. A system for electrode-pitch production is developed.

  9. Essays on historical banking

    NARCIS (Netherlands)

    Dwarkasing, N.R.D.

    2014-01-01

    This dissertation studies the British banking sector from the end of the 19th century until the beginning of the 20th century. The British banking sector at that time was one of the most developed ones and was characterized by the fact that very little regulation existed concerning, amongst others,

  10. nigeria's banking sector reforms

    African Journals Online (AJOL)

    NESG PUBLICATIONS

    institution in the financial market. This is due to the very nature of banks whose failure is viewed to have greater effect on the economy than the failure of other types of businesses (Ogunleye (2005: 3). Along with the traditional banks, Non-. Financial Institutions (NBFIs) also play intermediation role in the financial system by ...

  11. The macroeconomics of banking

    NARCIS (Netherlands)

    van der Kwaak, C.G.F.

    2017-01-01

    This thesis studies the macroeconomic effectiveness of monetary and fiscal policy in an environment where commercial banks are undercapitalized after a financial crisis and have large holdings of (risky) government bonds on their balance sheets. An undercapitalized banking system cannot perfectly

  12. iBank

    Science.gov (United States)

    Bermundo, Cesar B.; Bermundo, Alex B.; Ballester, Rex C.

    2012-01-01

    iBank is a project that utilizes a software to create an item Bank that store quality questions, generate test and print exam. The items are from analyze teacher-constructed test questions that provides the basis for discussing test results, by determining why a test item is or not discriminating between the better and poorer students, and by…

  13. Competition in EU banking

    NARCIS (Netherlands)

    De Jonghe, Olivier; Diepstraten, Maaike; Schepens, Glenn; Beck, Thorsten; Casu, Barbara

    2017-01-01

    This chapter discusses recent EU-wide movements in bank competition and concentration. We start with a concise overview of the most frequently used competition and concentration measures. Given that different measures may capture different aspects of bank competition, we focus on the differences and

  14. International fuel bank

    International Nuclear Information System (INIS)

    The working group discusses the establishment of an international bank for nuclear fuels. The statements by representatives of seven countries discuss the specific features of a bank of this kind which is set up to facilitate access to nuclear fuels but also to permit a more rigid control in the sense of the non-proliferation philosophy

  15. Destroy The Bank! (case)

    NARCIS (Netherlands)

    G.J. Van der Star; dr. A. Maas

    2016-01-01

    DZ Bank faces some significant challenges for the near future. One of them is the way payments are being made. This case is about Stefan, the Strategic Management Consultant of DZ Bank. He struggles with innovations and new technologies, such as Bitcoins. What does this mean for the future of the

  16. Three essays on banking

    NARCIS (Netherlands)

    Vlahu, R.E.

    2011-01-01

    This dissertation consists of three essays on banking and concentrates on two topics. The first two essays deal with strategic behavior of borrowers. The third essay explores the relation between bank capital and risk-taking. The first essay, Collective Strategic Defaults: Bailouts and Repayment

  17. Organization of eye bank

    International Nuclear Information System (INIS)

    Reddy, S.C.

    1999-01-01

    Comeal transplantation is the only method of combating the blindness due to corneal opacity caused by infections, malnutrition, trauma and hereditary diseases. Comeal blindness is more prevalent in the developing countries. The availability of the donor cornea, trained ophthalmic surgeons and microsurgery facilities are the key factors in restoring vision in-patients with comeal blindness. The eye bank organization is somewhat similar to that of blood bank. The eye bank should be located in a hospital or a medical centre in which a laboratory may be established for the evaluation and storage of donor tissue. The medical director (Ophthalmologist), technician, secretary and public relation officer are the persons who play an important role in the successful organization of eye bank. The function of the eye bank are procurement, assessment, processing, distribution of donor eyes/corneas, training of technicians/doctors, and conducting research related to storage of donor tissue and corneal transplantation. The necessary infrastructure required for the organization of an eye bank include separate accommodation area for the personnel and the laboratory, telephone, computer, refrigerator, laminar air flow hood. Slitlamp, specular microscope, storage media and equipment, instrument for enucleation of donor eyes, and a motor vehicle. The details of responsibilities of the staff of eye bank, source of donor eyes, suitability of donor material, procurement of the donor cornea, tissue assessment, storage and preservation, distribution of donor tissue, and limitation of eye bank will be discussed at the time of presentation

  18. Banking and trading

    NARCIS (Netherlands)

    Boot, A.W.A.; Ratnovski, L.

    2013-01-01

    We study the interaction between relationship banking and short-term, scalable arm’s length finance which we call trading. Relationship banking is not scalable, has high franchise value, is long-term oriented and low risk. Trading is transaction-based: scalable, with lower margins (capital

  19. Geographic diversification in banking

    NARCIS (Netherlands)

    Fang, Yiwei; van Lelyveld, Iman

    2014-01-01

    In the aftermath of the 2007-2009 crisis, banks claiming positive diversification benefits are being met with skepticism. Nevertheless, diversification might be important and sizable for some large internationally active banking groups. We use a universally applicable correlation matrix approach to

  20. THE BANKING SECTOR - INFLUENCE FACTORS OF BANKING PERFORMANCE

    Directory of Open Access Journals (Sweden)

    Mirela CIOCAN

    2014-06-01

    Full Text Available The paper examines how the banking system is organised in Romania. By comparing the organization of the banking system in Romania with banking systems of certain countries in the European Union, banks typology is highlighted at the international level. The aim of this paper is to highlight the factors influencing the Romanian banking system, the banking system role in the economy as well as the objectives of Romanian banking system. This paper examines indicators as: return on equity, return on assets, leverage effect, profit rate and the rate of assets utilization, in order to identify the methods of quantifying the performance of the Romanian banking system, by reference to two commercial banks, namely Transilvania Bank and Intesa Sanpaolo Bank. After the analysis and calculation of these indicators, we can notice a good situation of the banks concerned. In order to improve Romanian banking system are under consideration: reducing the costs of banking intermediation, raising the coverage levels at European level and reducing the compulsory reserves. After the analysis of organization the banking system in Romania and comparing banking systems at the level of some countries of the European Union we can conclude that national banking system has its own particularities, in terms of banks name, types of activities covered under this name as well as those at European Union level.

  1. Bank profitability: Insights from the rural banking industry in Ghana

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

    Full Text Available This paper analyzes the profitability of 112 rural banks (special unit banks created to promote rural financial intermediation in Ghana. The results generally show that bank size, funding risk, diversification, liquidity risk, and bank stability are significant predictors of rural bank profitability. Whereas an improvement in the funding risk of a rural bank in a particular period portends a drop in its profitability in the future, an improvement in the size, diversification, liquidity risk, and stability of a rural bank signifies an improvement in the future profitability of the bank.

  2. GREEN BANKING IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Dumitrascu Mihaela

    2014-07-01

    Full Text Available The paper investigates the green banking in Romania, a new approach of conducting the banking business through considering the corporate social responsibility and environmental aspects. Nowadays, it is difficult to face the globalization and competition in order to asssure the implementation of the green banking practices. The aim of the present study is to identify corporations that have sustainability concerns. To achieve this objective, we set some hypothesis and after this we showed that the corporations are more likely to be included in the list of top banks in the world. Our study is relevant for future research in this area, because of the importance of such aspects in corporations nowadays.The conclusions of our study is that green banking practices in Romania is in an incipient stage

  3. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

    Full Text Available We construct a comprehensive measure of overall investment banking competitiveness for follow-on offerings that aggregates the various dimensions of competition such as fees, pricing accuracy, analyst recommendations, distributional abilities, market making prowess, debt offering capabilities, and overall reputation. The measure allows us to incorporate trade-offs that investment banks may use in competing for new or established clients. We find that firms who switch to similar-quality underwriters enjoy more intense competition among investment banks which manifests in lower fees and more optimistic recommendations. Investment banks do compete vigorously for some clients, with the level of competition related to the likelihood of gaining or losing clients. Finally, investment banks not performing up to market norms are more likely to be dropped in the follow-on offering. In contrast, firms who seek a higher reputation underwriter face relatively non-competitive markets.

  4. An Overview of Corporate Governance Practices of Selected Islamic Banks

    Directory of Open Access Journals (Sweden)

    Zainab Belal

    2016-05-01

    Full Text Available Complying with Corporate Governance (CG standards is not mandatory but with collapse of many financial institutions, compliance with high standards of CG in banking operation has become a necessity. This is due to the fact that many banks and companies worldwide collapsed as a result of poor corporate governance practices such as Bank of Credit and Commerce International (BCCI 1991, Barings Bank 1995, Lehman Brothers 2008, Enron 2001, WorldCom 2001, etc. Therefore, the objective of this paper is to examine and ascertain whether present level of CG standards practiced by Islamic banks is adequate to prevent or safeguard the banks from collapsing. The approach of the study is to evaluate the effectiveness of board and the various board committees utilizing data published in financial statement of the selected banks. The methodology used in this paper is analytical descriptive to reach accurate results and as more appropriate approach with this research. The study finds out that the selected banks comply with CG standards adopted; however such compliance does not mean that the board, the board committees will be constantly reliable. Therefore, instilling the Islamic values such as the concepts of ih}sân, honesty, and accountability is paramount to prevent CG failures and protect/safeguard the banks from collapsing.

  5. Analysis of the use of coal tar as a binder in bituminous mixtures, using Marshall and Ramcodes methodologies

    Science.gov (United States)

    Ochoa-Díaz, R.

    2013-11-01

    This paper presents an alternative use of coal tar, a by-product of the steel industry, given the problems of accumulation and negative environmental impact. Therefore, it is necessary to analyze the incorporation of coal tar as a binder in paving mixtures. First, this paper presents the origin, description of the main characteristics, and properties of tar. Then, this paper evaluates the mix of coal tar by means of the RAMCODES and Marshall methodologies to determine its resistance. The results of the tests explain the physical and mechanical properties of the mix. Taking into account the results of both methods, this paper makes a comparison to determine the suitability of the RAMCODES methodology in the mix design. Finally, it analyzes the alternatives to coal tar that can be used as binders in bituminous mixes for pavement and the advantages of their uses under some specific conditions.

  6. Skin cancer in patients with psoriasis treated with coal tar. A 25-year follow-up study

    International Nuclear Information System (INIS)

    Pittelkow, M.R.; Perry, H.O.; Muller, S.A.; Maughan, W.Z.; O'Brien, P.C.

    1981-01-01

    For many years, crude coal tar has been used for the treatment of psoriasis. The possible carcinogenic effect of crude coal tar and ultraviolet (UV) radiation (Goeckerman regimen), considered individually or in combination, has been of some concern to physicians. A 25-year follow-up study was completed on 280 patients with psoriasis who were hospitalized and treated with crude coal tar and UV radiation at the Mayo Clinic, Rochester, Minn, during the years 1950 through 1954. The results of this study suggest that the incidence of skin cancer is not appreciably increased above the expected incidence for the general population when patients are treated with coal tar ointments. It seems that the Goeckerman regimen (topical crude coal tar combined with UV radiation) can be used with minimal risk for skin cancer in the treatment of psoriasis

  7. BANKING SUPERVISION IN EUROPEAN UNION

    OpenAIRE

    Lavinia Mihaela GUȚU; Vasile ILIE

    2013-01-01

    The need for prudential supervision imposed to banks by law arises from the action that banking market’s basic factors have. Therefore, it is about banks’ role in economy. The normal functioning of banks in all their important duties maintains the stability of banking system. Further, the stability of the entire economy depends on the stability of the banking system. Under conditions of imbalance regarding treasury or liquidity, banks are faced with unmanageable crisis and the consequences ca...

  8. Bank and sovereign debt risk

    OpenAIRE

    Darracq Paries, Matthieu; Faia, Ester; Rodriguez-Palenzuela, Diego

    2013-01-01

    Euro area data show a positive connection between sovereign and bank risk, which increases with banks' and sovereign long run fragility. We build a macro model with banks subject to incentive problems and liquidity risk (in the form of liquidity based banks' runs) which provides a link between endogenous bank capital and macro and policy risk. Our banks also invest in risky government bonds used as capital buffer to self-insure against liquidity risk. The model can replicate the positive conn...

  9. Increasing the competitiveness of banks

    OpenAIRE

    Badaeva V.; Makukhina Y.

    2017-01-01

    The article examines about the essence of competitiveness of banks, the ways of improving it, competitive advantages and factors which influence the effectiveness and competitiveness of banking institutions.

  10. Global Banking: Transformation, Innovation & Competition

    Directory of Open Access Journals (Sweden)

    Korobov Yury

    2017-01-01

    Full Text Available The article discusses the main transformation processes in banking sector: globalization, concentration of capital, formation of a new model of banking and new banking culture. It is shown that the driving forces of these processes are competition and innovation. The interpretation of the bank of the future as a sum of four concepts is offered: “Bank = technology”, “Bank = client”, “Bank = product”, “Bank = life”. It is hypothesized that a person in the digital economy can be described as Homo financial (a person with financial literacy and financial thinking.

  11. FINANCIAL STABILITY OF BANKS IN TIMES OF CRISIS

    Directory of Open Access Journals (Sweden)

    Svetlana Lanets

    2015-11-01

    Full Text Available This paper is aimed at drawing attention to the current situation and further development of the banking sector in Russia. In particular, it seeks to discuss ways to improve the financial stability of banks. The article looks at the banking system, describes the important role of banks in the economy of the country and establishes correlation between stability of banks and socioeconomic development of the country. It is underlined that the stability of banks is one of the key factors in economic growth. The article analyzes how the banking system has settled after the financial crisis. The focus of the article is on the characteristics of the current financial crisis, compares it to the previous ones and describes the impact of the crisis to the banks. In particular, in the frame of this publication we present the analysis of the features of crisis impact on regional banks and the possibility of losing them in near future. This paper emphasizes the impact of the banking system on the country's economy and demonstrates the importance of financial stability of the banks. Moreover the article underlines a set of financial – economic/bank – government approaches to the issue of improving financial stability in the contemporary financial crisis. The paper summarizes the government role in the time of modern financial crisis and describes the existing strategies of the state. At the same time article shows the dual role of the government activities in preventing to put the finance sector under such stress as on the one hand it helps banks to increase the capitalization of banks while on the other hand it introduces Basel 3 principles, which reduce capital. The study is based on the methods of analysis, comparison, statistical data and theoretical generalization. The scientific and theoretical part of the survey is based on the official statistics and data from the Central Bank. We believe that the issue of bank’s stability, especially in this

  12. Gasification and effect of gasifying temperature on syngas quality and tar generation: A short review

    Science.gov (United States)

    Guangul, Fiseha Mekonnen; Sulaiman, Shaharin Anwar; Raghavan, Vijay R.

    2012-06-01

    Corrosion, erosion and plugging of the downstream equipments by tar and ash particle and, low energy content of syngas are the main problems of biomass gasification process. This paper attempts to review the findings of literature on the effect of temperature on syngas quality, and in alleviating the tar and ash problems in the gasification process. The review of literature indicates that as the gasification temperature increases, concentration of the resulting H2 and carbon conversion efficiency increase, the amount of tar in the syngas decreases. For the same condition, CH4 and CO concentration do not show consistent trend when the feedstock and gasification process varies. These necessitate the need for conducting an experiment for a particular gasification process and feedstock to understand fully the benefits of controlling the gasification temperature. This paper also tries to propose a method to improve the syngas quality and to reduce the tar amount by using preheated air and superheated steam as a gasifying media for oil palm fronds (OPF) gasification.

  13. On the Periphery of the Tar Sands. Documents in the Classroom.

    Science.gov (United States)

    Hodysh, Henry W.

    2000-01-01

    Explores the diary of Karl Clark that focuses on his experiences in the Athabasca tar sands. The diary helps decipher the nature of 1920s town life and the pioneering spirit involved in exploring the oil sands. Includes background information on Clark. (CMK)

  14. Genetic relation of adamantanes from extracts and semicoking tars of lignites with the initial biological material

    Energy Technology Data Exchange (ETDEWEB)

    Platonov, V.V.; Shvykin, A.Y.; Proskuryakov, V.A.; Podshibyakin, S.I. [Lev Tolstoi State Pedagogical University, Tula (Russian Federation)

    1999-11-01

    A genetic relation was revealed of adamantanes from extracts and semicoking tars of lignites with the relic terpenoid and steroid compounds. Probable pathways are suggested for transformation of the initial natural structures into adamantanes. The qualitative and quantitative compositions of adamantanes from crude oil and coal are compared.

  15. Chemical composition of hydrocarbons from semicoking tars of lignites from the near-Moscow fields

    Energy Technology Data Exchange (ETDEWEB)

    Platonov, V.V.; Proskuryakov, V.A.; Antonio, T.Z.; Platonova, M.V. [Lev Tolstoi Pedagogical University, Tula (Russian Federation)

    1998-09-01

    The chemical composition of hydrocarbons from the semicoking tar of lignites was studied by elemental, functional, emission spectrum, and structural-group analyses, cryoscopy, IR, UV and {sup 1}H and {sup 13}C NMR spectroscopy, capillary gas chromatography, and gas chromatography-mass spectrometry. A scheme was developed for adsorption liquid chromatography of the hydrocarbons.

  16. Tar sands showdown : Canada and the new politics of oil in an age of climate change

    International Nuclear Information System (INIS)

    Clarke, T.

    2009-01-01

    This book outlined the social and environmental issues facing the oil sands industry in Canada, including economic sovereignty, energy security, water rights and free trade. The tar sands have become vital to the Canadian economy, as they have the potential to increase Canada's foreign oil output by 4 to 5 times in the next 15 years. The author discussed the ecological and social impact of the Alberta tar sands and the real cost of development to Albertans and Canadians. Tar sands oil production generates more than 3 times the amount of greenhouse gas emissions than conventional oil production. The industry is also becoming a prime example of the abuse of water sources. The author emphasized the need to build an alternative energy future in an age of global warming. The main objective of this book was to help stimulate a nation-wide public debate about the tar sands and the critical issues at stake regarding Canada's energy future and an environmental strategy for more sustainable development. refs., tabs., figs.

  17. 21 CFR 740.18 - Coal tar hair dyes posing a risk of cancer.

    Science.gov (United States)

    2010-04-01

    ... 21 Food and Drugs 7 2010-04-01 2010-04-01 false Coal tar hair dyes posing a risk of cancer. 740.18... posing a risk of cancer. (a) The principal display panel of the label and any labeling accompanying a... your skin and has been determined to cause cancer in laboratory animals. (b) Hair dyes containing any...

  18. GC/MS analysis of coal tar composition produced from coal pyrolysis

    African Journals Online (AJOL)

    Coal tar is a significant product generated from coal pyrolysis. A detailed analytical study on its composition and chemical structure will be of great advantage to its further processing and utilization. Using a combined method of planigraphy-gas chromatograph/mass spectroscopy (GC/MS), this work presents a composition ...

  19. Tar analysis from biomass gasification by means of online fluorescence spectroscopy

    Science.gov (United States)

    Baumhakl, Christoph; Karellas, Sotirios

    2011-07-01

    Optical methods in gas analysis are very valuable mainly due to their non-intrusive character. That gives the possibility to use them for in-situ or online measurements with only optical intervention in the measurement volume. In processes like the gasification of biomass, it is of high importance to monitor the gas quality in order to use the product gas in proper machines for energy production following the restrictions in the gas composition but also improving its quality, which leads to high efficient systems. One of the main problems in the biomass gasification process is the formation of tars. These higher hydrocarbons can lead to problems in the operation of the energy system. Up to date, the state of the art method used widely for the determination of tars is a standardized offline measurement system, the so-called "Tar Protocol". The aim of this work is to describe an innovative, online, optical method for determining the tar content of the product gas by means of fluorescence spectroscopy. This method uses optical sources and detectors that can be found in the market at low cost and therefore it is very attractive, especially for industrial applications where cost efficiency followed by medium to high precision are of high importance.

  20. Pelagic tar, dissolved/dispersed petroleum hydrocarbons and plastic distribution in the Cretan Sea, Greece

    International Nuclear Information System (INIS)

    Kornilios, S.; Drakopoulos, P.G.; Dounas, C.

    1998-01-01

    During the first cruise of R/V 'Philia' in July 1997 within the framework of the TALOS programme supported by the Greek Ministry of Physical Planning and Public Works, the sampling of floating tar, litter and sea water for dissolved/dispersed petroleum hydrocarbons (DDPH) was carried out in the Cretan Sea. Analysis of these data has allowed a first assessment of the status of floating marine pollution in the region. DDPH measurements showed a mean concentration of 0.145 μg/l of chrysene equivalents (n = 24). Tar and plastics concentrations were in the range of 1-4280 and 0-1160 μg/m 2 , respectively. Mean pelagic tar concentration was 318 μg/m 2 , more than two times higher than what was reported for the area in previous studies. Based on in situ hydrographic observations there is strong evidence that most of the floating tar enters the Cretan Sea through the Ionian Sea. (author)

  1. Carbon deposition in an SOFC fueled by tar-laden biomass gas: a thermodynamic analysis

    Science.gov (United States)

    Singh, Devinder; Hernández-Pacheco, Eduardo; Hutton, Phillip N.; Patel, Nikhil; Mann, Michael D.

    This work presents a thermodynamic analysis of the carbon deposition in a solid oxide fuel cell (SOFC) fueled by a biomass gasifier. Integrated biomass-SOFC units offer considerable benefits in terms of efficiency and fewer emissions. SOFC-based power plants can achieve a system efficiency of 70-80% (including heat utilization) as compared to 30-37% for conventional systems. The fuel from the biomass gasifier can contain considerable amounts of tars depending on the type of gasifier used. These tars can lead to the deposition of carbon at the anode side of SOFCs and affect the performance of the fuel cells. This paper thermodynamically studies the risk of carbon deposition due to the tars present in the feed stream and the effect various parameters like current density, steam, and temperature have on carbon deposition. Since tar is a complex mixture of aromatics, it is represented by a mixture of toluene, naphthalene, phenol, and pyrene. A total of 32 species are considered for the thermodynamic analysis, which is done by the Gibbs energy minimization technique. The carbon deposition is shown to decrease with an increase in current density and becomes zero after a critical current density. Steam in the feed stream also decreases the amount of carbon deposition. With the increase in temperature the amount of carbon first decreases and then increases.

  2. Effect of the bioemulsifier emulsan on naphthalene mineralization from coal tar in aqueous systems

    Energy Technology Data Exchange (ETDEWEB)

    Skubal, K.L.; Luthy, R.G.

    1994-09-01

    Coal tar in aerobic aqueous systems was treated with purified emulsan, the anionic heteropolysaccharide bioemulsifier produced by Acinetobacter calcoaceticus RAG-1; with inocula of various concentrations of stationary phase RAG-1 cells; or with cell-free broth from stationary phase RAG-1 cultures. Naphthalene mineralization by a mixed PAH-degrading population was measured by recovering {sup 14}CO{sub 2} evolved during biotransformation of the [{sup 14}C]naphthalene-labeled coal tar. There was no evidence of naphthalene mineralization by RAG- 1 cells alone. The addition of emulsan, RAG-1 inocula, or cell-free broth to systems containing the PAH-degrading population did not significantly affect naphthalene mineralization in any of the systems tested. Coal tar in these experiments was present either as a free dense nonaqueous phase liquid (DNAPL), or as DNAPL imbibed into microporous silica particles. Emulsification of the tar was not observed in either case. The presence or absence of microporous silica did not affect the extent or rate of naphthalene mineralization, nor did the concentration of RAG-1 inocula or the amount of broth added. The addition of cell-free broth, emulsan, or RAG-1 cells late in the experiments did not yield significantly different results compared to initial addition of these substances. Thus, emulsan and related fractions from RAG-1 cultures were ineffective in altering naphthalene mineralization in this study.

  3. Abating coal tar seepage into surface water bodies using sheet piles with sealed interlocks

    International Nuclear Information System (INIS)

    Collingwood, B.I.; Boscardin, M.D.; Murdock, R.F.

    1995-01-01

    A former coal tar processing facility processed crude coal tar supplied from manufactured gas plants in the area. Coal-tar-contaminated ground water from the site was observed seeping through an existing timber bulkhead along a tidal river and producing a multicolored sheen on the surface of the river. As part of a short-term measure to abate the seepage into the river, 64-m long anchored sheet pile wall with sheet pile wing walls at each end was constructed inland of the of the timber bulkhead. The sheet piles extended to low-permeability soils at depth and the interlocks of the sheet piles were provided with polyurethane rubber seals. Based on postconstruction observations for leakage and sheens related to leakage, the steel sheet piles with polyurethane rubber interlock seals appeared to provide a successful seal and abate coal-tar-contaminated ground water seepage into the river. The tie rod penetration sealing proved to be a more problematic detail, but through several postconstruction grouting episodes, an effective seal was produced

  4. gc/ms analysis of coal tar composition produced from coal pyrolysis

    African Journals Online (AJOL)

    Coal tar is a significant product generated from coal pyrolysis. A detailed analytical study on its composition and chemical structure will be of great advantage to its further processing and utilization. Using a combined method of planigraphy-gas chromatograph/mass spectroscopy (GC/MS), this work presents a composition ...

  5. Identification of sources of tar balls deposited along the Goa coast, India, using fingerprinting techniques.

    Science.gov (United States)

    Suneel, V; Vethamony, P; Zakaria, M P; Naik, B G; Prasad, K V S R

    2013-05-15

    Deposition of tar balls along the coast of Goa, India is a common phenomenon during the southwest monsoon. Representative tar ball samples collected from various beaches of Goa and one Bombay High (BH) crude oil sample were subjected to fingerprint analysis based on diagnostic ratios of n-alkane, biomarkers of pentacyclic tri-terpanes and compound specific stable carbon isotope (δ¹³C) analysis to confirm the source. The results were compared with the published data of Middle East Crude Oil (MECO) and South East Asian Crude Oil (SEACO). The results revealed that the tar balls were from tanker-wash derived spills. The study also confirmed that the source is not the BH, but SEACO. The present study suggests that the biomarkers of alkanes and hopanes coupled with stable carbon isotope analysis act as a powerful tool for tracing the source of tar balls, particularly when the source specific biomarkers fail to distinguish the source. Copyright © 2013 Elsevier Ltd. All rights reserved.

  6. Electronic Banking And Bank Performance In Nigeria | Abaenewe ...

    African Journals Online (AJOL)

    This study investigated the profitability performance of Nigerian banks following the full adoption of electronic banking system. The study became necessary as a result of increased penetration of electronic banking which has redefined the banking operations in Nigeria and around the world. Judgmental sampling method ...

  7. Critical Assessment of Banking Institutions in South Africa

    Directory of Open Access Journals (Sweden)

    Bakam Fotso

    2017-04-01

    Full Text Available Banks play an important role in a country’s economy through investments, deposits and withdrawals. Many banking products are sold to clients to meet their financial needs and obligations. Their performances are therefore very critical in supporting socio economic development. Financial institutions still facing challenges linked to the lack of financial previsions through the use of financial tool that allows preventing financial distress. Banks are not always well-managed because managers lack capacity and the sound knowledge in dealing effectively with the analysis of risk and return and decision-making. The current study highlights and gives orientations on key performance indicators that bank can use to manage their financial conditions in advance in a sustainable manner. The major objective of this research is to critically assess the South African banks performance using Financial Ratio Analysis (FRAand descriptive statistics through comparative financial statement analysis form 2010 to 2013 between“ the big four” South African banks. In using correlational analysis, the study aim to establish the link between exogenous and endogenous variables of bank performance. The results showed that FirstRand bank was the best achiever with a higher level of performance following by Standard bank, then Absa and Nedbank. Furthermore, it appears that there is a strong relationship between bank performance and bank size because the volume of assets represents the bigger source of bank incomes. This study opens door to further study including both large and small banks and a comparative analysis between two research methods. The paper is divided into five major sections.

  8. The Assessment of Systemic Risk in the Kenyan Banking Sector

    Directory of Open Access Journals (Sweden)

    Hong Fan

    2018-01-01

    Full Text Available The present paper aims to assess the systemic risk of the Kenyan banking system. We propose a theoretical framework to reveal the time evolution of the systemic risk using sequences of financial data and use the framework to assess the systemic risk of the Kenyan banking system that is regarded as the largest in the East and Central African region. Firstly, we estimate the bilateral exposures matrix using aggregate financial data on loans and deposits from annual reports and analyze the interconnectedness in the market using network centrality measures. Next, we extend the Eisenberg–Noe method to a multiperiod setting to the systemic risk of the Kenyan banking system, in which the multiperiod includes the dynamic evolutions of the Kenyan banking system of every bank and the structure of the interbank network system. We apply this framework to assess dynamically the systemic risk of the Kenyan banking system between 2009 and 2015. The main findings are the following. The theoretical network analysis using network centrality measures showed several banks displaying characteristics of systematically important banks (SIBs. The theoretical default analysis showed that a bank suffering a basic default will trigger a contagious default that caused several other banks in the sector to go bankrupt. Further stress test proved that the KCB bank theoretically caused a few contagious defaults due to an unusually high interconnectedness. This methodology can contribute by being part of monitoring system of the Central Bank of Kenya (regulatory body as well as the implementation of policies (such as bank-internal stress tests that assist in preventing default contagion.

  9. Influence of operating parameters on tar yield in coke oven batteries

    Energy Technology Data Exchange (ETDEWEB)

    Yadav, U.S.; Kumar, D.; Sarkar, P.; Kumar, A. [Tata Steel, Jamshedpur (India)

    2002-07-01

    The requirements on coke quality and cost consciousness have changed the cokemaking practical at Tata Steel significantly. The changes are on two fronts - firstly, the very technology itself and secondly, the coal blend for cokemaking. On the technological front, various pre-carbonization techniques with their specific pros and cons are available. Likewise, there is an increase in the variety of coals used for cokemaking - coals ranging from non-coking to semi-hard coking characteristics and with a range of volatile matter have been used in the recent years. This may be looked at as the outcome of advancement in cokemaking technology - the pre-carbonization techniques. However, the influence of such changes in cokemaking recovery of by-product is not very well established, particularly the most valuable one, coal tar. The coal tar yield is governed by the content of volatile matter, its characteristics, the extent of cracking during carbonization inside the oven and transport of the gas from the oven to the tar collector. The cracking of volatiles is guided by the thermal regime inside the oven, the free-space and the gas carrying main as well as the space between the coal cake and the oven wall. Stamp charging technology, in which coal is charged in the form of a cake into the ovens at higher bulk density, provides greater opportunity for cracking of the volatiles resulting in lower tar yield. This paper outlines the theoretical considerations for increasing the tar yield and validates it with some significant parameters under operating conditions in an industrial plant having both stamp charged as well as conventional top charged ovens. 12 refs., 14 figs.

  10. Physicochemical Approaches for the Remediation of Former Manufactured Gas Plant Tars

    Science.gov (United States)

    Hauswirth, S.; Miller, C. T.

    2014-12-01

    Former manufactured gas plant (FMGP) tars are one of the most challenging non-aqueous phase liquid (NAPL) contaminants to remediate due to their complex chemical composition, high viscosities, and ability to alter wettability. In this work, we investigate several in situ remediation techniques for the removal of tar from porous media. Batch and column experiments were conducted to test the effectiveness of mobilization, solubilization, and chemical oxidation remediation approaches. Alkaline (NaOH), surfactant (Triton X-100), and polymer (xanthan gum) agents were used in various combinations to reduce tar-water interfacial tension, increase flushing solution viscosity, and increase the solubilities of tar components. Base-activated sodium persulfate was used alone and in combination with surfactant to chemically oxidized tar components. The effectiveness of each method was assessed in terms of both removal of PAHs from the system and reduction of dissolved-phase effluent polycyclic aromatic hydrocarbon (PAH) concentrations. In column studies, alkaline-polymer (AP) and alkaline-surfactant-polymer (ASP) solutions efficiently mobilized 81-93% and 95-96% of residual PAHs, respectively, within two pore volumes. The impact of AP flushing on dissolved-phase PAH concentrations was relatively low; however, the concentrations of several low molar mass PAHs were significantly reduced after ASP flushing. Surfactant-polymer (SP) solutions removed over 99% of residual PAHs through a combination of mobilization and solubilization, and reduced the post-remediation, dissolved-phase total PAH concentration by 98.4-99.1%. Degradation of residual PAHs by base-activated sodium persulfate was relatively low (30-50%), and had little impact on dissolved-phase PAH concentrations.

  11. Protein Data Bank (PDB)

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Protein Data Bank (PDB) archive is the single worldwide repository of information about the 3D structures of large biological molecules, including proteins and...

  12. Environmental Data Bank

    Energy Technology Data Exchange (ETDEWEB)

    ,

    1962-06-01

    In an effort to determine the environment to which the equipment designed by Sandia Corporation will be exposed, a "Data Bank" of environmental information was compiled. Measured quantities resulting from actual uses were continually being summarized.

  13. Reliability data banks

    International Nuclear Information System (INIS)

    Cannon, A.G.; Bendell, A.

    1991-01-01

    Following an introductory chapter on Reliability, what is it, why it is needed, how it is achieved and measured, the principles of reliability data bases and analysis methodologies are the subject of the next two chapters. Achievements due to the development of data banks are mentioned for different industries in the next chapter, FACTS, a comprehensive information system for industrial safety and reliability data collection in process plants are covered next. CREDO, the Central Reliability Data Organization is described in the next chapter and is indexed separately, as is the chapter on DANTE, the fabrication reliability Data analysis system. Reliability data banks at Electricite de France and IAEA's experience in compiling a generic component reliability data base are also separately indexed. The European reliability data system, ERDS, and the development of a large data bank come next. The last three chapters look at 'Reliability data banks, - friend foe or a waste of time'? and future developments. (UK)

  14. Banking on technology.

    Science.gov (United States)

    Bolster, Carole J

    2007-04-01

    New technology is being used by banks to help providers improve their revenue cycle through: Digital lockbox service. Remote deposit. Web-based payment. Automated payment processing at the point of service.

  15. Mitigation Banking Factsheet

    Science.gov (United States)

    A mitigation bank is an aquatic resource area that has been restored, established, enhanced, or preserved for the purpose of providing compensation for unavoidable impacts to aquatic resources permitted under Section 404

  16. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

    In this article, I analyse the narratives of four Danish central bank governors from the late nineteenth century until the mid-1990s. By conducting a historical analysis informed by neo-institutional theory, I show how these central bank governors were continuously involved in public debates over...... the appropriateness and desirability of their decisions and policies. In these debates, interpretations and reproductions of Danish national identity were central to the governors' claims to legitimacy. I argue that past narratives of the Danish central bank and its governors enabled and framed future legitimacy...... claims and that the central bank and its governors gradually became embedded in national identity. Thus, the article highlights the historical development of the co-configuring relationship between Danish national identity and the legitimacy of monetary organization....

  17. In silico Analyses of Subtype Specific HIV-1 Tat-TAR RNA Interaction Reveals the Structural Determinants for Viral Activity

    Directory of Open Access Journals (Sweden)

    Larance Ronsard

    2017-08-01

    Full Text Available HIV-1 Tat transactivates viral genes through strong interaction with TAR RNA. The stem-loop bulged region of TAR consisting of three nucleotides at the position 23–25 and the loop region consisting of six nucleotides at the position 30–35 are essential for viral transactivation. The arginine motif of Tat (five arginine residues on subtype TatC is critically important for TAR interaction. Any mutations in this motif could lead to reduce transactivation ability and pathogenesis. Here, we identified structurally important residues (arginine and lysine residues of Tat in this motif could bind to TAR via hydrogen bond interactions which is critical for transactivation. Natural mutant Ser46Phe in the core motif could likely led to conformational change resulting in more hydrogen bond interactions than the wild type Tat making it highly potent transactivator. Importantly, we report the possible probabilities of number of hydrogen bond interactions in the wild type Tat and the mutants with TAR complexes. This study revealed the differential transactivation of subtype B and C Tat could likely be due to the varying number of hydrogen bonds with TAR. Our data support that the N-terminal and the C-terminal domains of Tat is involved in the TAR interactions through hydrogen bonds which is important for transactivation. This study highlights the evolving pattern of structurally important determinants of Tat in the arginine motif for viral transactivation.

  18. Banking in southern Europe

    OpenAIRE

    Lazarević Žarko

    2014-01-01

    The nations discussed here (Italy, Spain, Portugal and Greece) have in common - with the exception of Italy, that is - that they used to be on the margins of European economic and social developments. Only Italy succeeded in industrialising itself already prior to World War I. This fundamental trait also determined the developmental path of modern-era banking. Hereby, two important points in the course of development of banking in the Southern European countries need to be emphasised. To begi...

  19. Role of Foreign Banks in Integration of Banking Industry

    Directory of Open Access Journals (Sweden)

    Roman Šubić

    2009-12-01

    Full Text Available Dynamic development of financial industry in some last ten years that, considering the kind of financial agents, remained bank-oriented represents a suficient reason to investigate the causes that brought to the present structure of banking system. After having presented theoretical bases of the integration forms and banks connection, the paper analyzes the influence of foreign banks on the development of Croatian bank system. Thus, beside the knowledge of quantitative changes in the banking system, the paper researched the motivations of the banks regarding integration that, among other things, brought to creating the effects of scale and scope economies. However, the concentrations among banks can lead to creation of negative externalities that later become potential dangers for the banking. Pre-cognitions on development of banking system are used to create projection of future banking development while the data basis of the countries from the region enabled the comparative analysis of banks integration in these countries. The conclusion is that the foreign banks have been the largest promoters of bank integration in the Republic of Croatia contributing also to qualitative development of banking market and to deepening of financial market spectrum.

  20. Mobile banking: New trend in the contemporary banking sector

    Directory of Open Access Journals (Sweden)

    Sanader Dušica

    2014-01-01

    Full Text Available In the late 1990s and early 2000s, banking has undergone and is still undergoing some considerable changes, adjusting itself to the new circumstances and challenges in its environment. Modern information technologies have granted an opportunity to banks to expand their operations and adjust their offer of products and services, placing them through the new communication channels. The increasing reliance on mobile devices, especially the so-called smart phones, has facilitated the development of a new form of banking, known as mobile banking. Mobile banking is a specific channel of electronic banking, enabling clients to communicate with the bank via mobile devices. The bank's products and services are, thus, available to the clients at any time and at any place, and the banking sector is expected to perfectly understand the needs of today's clients, before implementing mobile banking. The research in this paper focuses on mobile banking, as a segment of electronic banking, which has developed under the influence of modern information technologies. The paper elaborates on the main characteristics of mobile banking, its advantages, but also its drawbacks that the banks and their clients are facing in the process of its utilization (or its implementation in practice. Moreover, the paper presents the trends of using mobile banking in the world and in Serbia, along with the tendencies for developing new services.

  1. 12 CFR 7.1003 - Money lent at banking offices or at other than banking offices.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Money lent at banking offices or at other than banking offices. 7.1003 Section 7.1003 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1003 Money lent at banking offices or at other than...

  2. Fresh tar (from biomass gasification) destruction with downstream catalysts: comparison of their intrinsic activity with a realistic kinetic model

    Energy Technology Data Exchange (ETDEWEB)

    Corella, J.; Narvaez, I.; Orio, A. [Complutense Univ. of Madrid (Spain). Dept. of Chemical Engineering

    1996-12-31

    A model for fresh tar destruction over catalysts placed downstream a biomass gasifier is presented. It includes the stoichio-metry and the calculation of the kinetic constants for the tar destruction. Catalysts studied include commercial Ni steam reforming catalysts and calcinated dolomites. Kinetic constants for tar destruction are calculated for several particle sizes, times- on-stream and temperatures of the catalyst and equivalence ratios in the gasifier. Such intrinsic kinetic constants allow a rigorous or scientific comparison of solids and conditions to be used in an advanced gasification process. (orig.) 4 refs.

  3. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

    Full Text Available Banks in Romania offers its customers a wide range of products but which involves both risk taking. Therefore researchers seek to build rating models to help managers of banks to risk of non-recovery of loans and interest. In the following we highlight rating Raiffeisen Bank, BCR-ERSTE Bank and Transilvania Bank, based on the models CAAMPL and Stickney making a comparative analysis of the two rating models.

  4. World bank and the environment. Progress report

    International Nuclear Information System (INIS)

    1991-01-01

    The second annual report describes specific environmental strategies and environmental lending in the Bank's four operational regions: Africa; Asia; Europe, Middle East, and North Africa; and Latin America and the Caribbean. It details the Bank's progress in eight environmental categories: energy and the environment, pollution, urban environment, water resources management, forest and land management, social and cultural, environmental economics, and the global environment. One chapter is devoted exclusively to tropical forests, studying ways in which the Bank is dealing with deforestation as a part of the constant review of its forest policies. Suggestions are made for decreasing the degradation of tropical forests while meeting demands for forest products. This chapter reflects a shift in Bank emphasis from commercial ventures to conservation measures. The publication reports on other initiatives by the Bank during fiscal 1991, including the launching of the Global Environment Facility (GEF)--a pilot program to oversee reduction of global warming, preservation of biological diversity, protection of international waters, and prevention of ozone depletion

  5. The main directions of banking products promotion in the banking marketing system in Russian commercial banks

    Directory of Open Access Journals (Sweden)

    Markova O.M.

    2017-04-01

    Full Text Available the article is devoted to the research of directions of client-oriented approach application during bank products promotion in Russian banks. Attention is paid to the development of electronic banking, social networks through which consumers receive the necessary information about beneficial offers and special conditions for providing banking services.

  6. Bank Diversification Effects on Bank Performance and Risk Profile of Bank in Indonesia

    Directory of Open Access Journals (Sweden)

    Anthony Lukmawijaya

    2015-05-01

    Full Text Available We investigate the relationship of Indonesian bank diversification towards its long term performance and risk profile with Indonesian bank data from 2009 to 2013. Non-interest income to total operating income of the bank measures its bank diversification level. Bank value is measured by the adjusted Tobin's Q and risk profile which is broken down into total risk, idiosyncratic risk, and systematic risk. The result shows that bank non-interest income diversification has a positive influence on its franchise value. There is, however, no strong evidence that diversification can lower a bank's risk profile.

  7. PRACTICAL METHODS OF BANKING MANAGEMENT – APPLICATION IN PRACTICE

    Directory of Open Access Journals (Sweden)

    Bodretskiy M.

    2018-03-01

    Full Text Available Introduction. The article presents the latest trends in the development of banking management in Ukraine. Purpose. The research is aimed at the study of practical methods of banking institutions management in Ukraine. Results. The results of the research, which prove the determination by most banks of such management methods based on the principles of minimizing operating costs of a banking institution, are proved. The main areas of such a minimization, most banks identified: the involvement of inexperienced staff, increase the level of automation of banking processes, increasing attention to non-price methods of attracting customers. A classification of non-price methods of attracting customers is made. The use of mathematical tools for determining the quality of management by a banking institution is proposed. The article states that in order to prevent the manifestations of crisis phenomena in a banking institution (predictors of which may be: the emergence of a negative spread, loss-making activity of the bank, etc. it is necessary to have an optimal, economically sound portfolio of practical management methods that can be practically useful for execution on operational and tactical level of managerial decisions of banking management. The article contains the results of the survey of specialists and scientists who took part in the scientific and practical conference “Anti-crisis management of economy and finances”, held in 2017. The main areas of work of the mentioned conference were: search of ways of overcoming of crisis phenomena in economy and finances of Ukraine; definition of strategic aspects of the development of the financial system of the state in the context of the growth of the negative consequences of the growth of tension in international and economic relations; definition of fiscal policy of Ukraine and the impact of its quality on the quality of the banking system in the conditions of stagnation of financial markets, etc

  8. Banking in southern Europe

    Directory of Open Access Journals (Sweden)

    Lazarević Žarko

    2014-01-01

    Full Text Available The nations discussed here (Italy, Spain, Portugal and Greece have in common - with the exception of Italy, that is - that they used to be on the margins of European economic and social developments. Only Italy succeeded in industrialising itself already prior to World War I. This fundamental trait also determined the developmental path of modern-era banking. Hereby, two important points in the course of development of banking in the Southern European countries need to be emphasised. To begin with, if the lands of the North-Western Europe were large capital exporters, then the South European nations were the importers of this capital. The role of foreign capital, i.e., foreign banks, was great and irreplaceable in the development of banking. The second element in common was a large role of state in the economy in general. Under the circumstances of underdeveloped entrepreneurial environment, the state, through its economic activities, would become the driving force of overall economic and social development. This was also or especially the case with banking. Role played by the state only began to diminish towards the end of the 1980s, in the course of the processes of deregulation and liberalisation both at the international level as well as within the then European Economic Community or subsequent European Union. Already during the preparatory processes prior to the admission into the European Economic Community, Spain, Greece and Portugal, and, however, Italy as well, but due to European Directives it had to abide by, began comprehensive processes of restructuring their national banking systems. Since the second half of the 1980s, banking systems were subjected to liberalisation, deregulation and privatisation.

  9. Hydrogen-rich syngas production and tar removal from biomass gasification using sacrificial tyre pyrolysis char

    International Nuclear Information System (INIS)

    Al-Rahbi, Amal S.; Williams, Paul T.

    2017-01-01

    Highlights: • Tyre char is used as catalyst and syngas source in pyrolysis-reforming of biomass. • Metals in tyre char catalyse tar decomposition. • Increased steam and higher temperature promotes H 2 production. • Syngas H 2 /CO ratio varied between 1.3 to 2. • A waste derived catalyst degrades tar and is also sacrificed for char gasification. - Abstract: Carbonaceous materials have been proven to have a high catalytic activity for tar removal from the syngas produced from biomass gasification. The simultaneous reforming and gasification of pyrolysis gases and char could have a significant role in increasing the gas yield and decreasing the tar in the product syngas. This study investigates the use of tyre char as a catalyst for H 2 -rich syngas production and tar reduction during the pyrolysis-reforming of biomass using a two stage fixed bed reactor. The biomass sample was pyrolysed under nitrogen at a pyrolysis temperature of 500 °C, the evolved pyrolysis volatiles were passed to a second stage with steam and the gases were reformed in the presence of tyre char as catalyst. The influence of catalyst bed temperature, steam to biomass ratio, reaction time and tyre ash metals were investigated. The influence of the catalytic activity of tyre ash minerals on composition of syngas and tar decomposition during the steam reforming of biomass was significant as the removal of minerals led to a decrease in the H 2 yield. Raising the steam injection rate and reforming temperature resulted in an increase in H 2 production as steam reforming and char gasification reactions were enhanced. The maximum H 2 content in the product syngas of 56 vol.% was obtained at a reforming temperature of 900 °C and with a steam to biomass mass ratio of 6 (g/g). Further investigation of the influence of the biomass:steam ratio on syngas quality showed that the H 2 :CO molar ratio was increased from 1.8 (steam: biomass ratio; 1.82 g g −1 ) to 3 (steam: biomass ratio; 6 g g −1 ).

  10. Pengaruh Kualitas Layanan Mobile Banking (M-Banking Terhadap Kepuasan Nasabah di Indonesia [Effect of Mobile Banking (M-Banking Service Quality on Customer Satisfaction in Indonesia

    Directory of Open Access Journals (Sweden)

    Aditya Wardhana

    2015-09-01

    Full Text Available The research aim was to assess the influence of the service quality of mobile banking (m-banking against customer satisfaction at the greatest banks in Indonesia. Elements of the quality of mobile banking services (m-banking were speed, security, accuracy, and trust. The population of this study was bank customers from eight of the greatest bank in Indonesia -- Bank Mandiri, Bank BRI, Bank BCA, Bank BNI, Bank CIMB Niaga, Bank Danamon, Bank Permata, and Bank Panin -- who used mobile banking which totaled 19.9 million customers with the size of the sample being 400 respondents. The sampling method used nonprobability sampling by incidental sampling. The results by using a structural equation modeling (SEM found significant influences between service quality of mobile banking (m-banking partially and simultaneously to customer satisfaction.

  11. 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.

  12. Collaborative Management of Risks and Complexity in Banking Systems

    Directory of Open Access Journals (Sweden)

    Ion IVAN

    2012-01-01

    Full Text Available This paper describes types of risks encountered in banking systems and ways to prevent and eliminate them. Banking systems are presented in order to have a view on banking activities and processes that generates risks. The risks in banking processes are analyzed and the collaborative character of risk management is highlighted. A way to control the risk in banking systems through information security is described. Risks arise from system complexity, thus evaluation and comparison of different configurations are bases for improvements. The Halstead relative complexity function synthesizes system complexity from the point of view of the size of the variables analyzed and the heterogeneity between the variables. Section four was realized by Catalin SBORA.

  13. Genetic relationship of organic bases of the quinoline and isoquinoline series from lignite semicoking tars with the initial biological material

    Energy Technology Data Exchange (ETDEWEB)

    Platonov, V.V.; Proskuryakov, V.A.; Podshibyakin, S.I.; Domogatskii, V.V.; Shvykin, A.Y.; Shavyrina, O.A.; Chilachava, K.B. [Leo Tolstoy State Pedagog University, Tula (Russian Federation)

    2002-07-01

    The genetic relationship of quinoline and isoquinoline compounds present in semicoking tars of Kimovsk lignites (near-Moscow fields) with the initial vegetable material is discussed. Transformation pathways of the native compounds in the course of lignite formation are suggested.

  14. Source investigation of the tar balls deposited along the Gujarat coast, India, using chemical fingerprinting and transport modeling techniques

    Digital Repository Service at National Institute of Oceanography (India)

    Suneel, V.; Vethamony, P.; Naik, B.G.; VinodKumar, K.; Sreenu, L.; Samiksha, S.V.; Tai,Y.; Sudheesh, K.

    Deposition of tar balls (TBs) along the south Gujarat coast, situated on the west coast of India (WCI), commonly occurs during the southwest monsoon season. Several offshore oil fields off the Mumbai-Gujarat coast, and refineries along the coast...

  15. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

    Full Text Available Since financial liberalization in the 1980s, non-profit maximizing, stakeholder-oriented banks have outperformed private banks in Europe. This article draws on empirical research, banking theory and theories of the firm to explain this apparent anomaly for neo-liberal policy and contemporary market-based banking theory. The realization of competitive advantages by alternative banks (savings banks, cooperative banks and development banks has significant implications for conceptions of bank change, regulation and political economy.

  16. Oro tarša kietosiomis dalelėmis Šiaulių mieste

    OpenAIRE

    Marozas, Nerijus

    2008-01-01

    Oro tarša yra viena svarbiausių žmonijos problemų Lietuvoje ir pasauliniu mąstu. Oro taršos poveikis kelia didžiulį pavojų aplinkai ir visų gyvų organizmų tolimesniam egzistavimui. Viena pagrindinių problemų daugumoje didesnių miestų yra užterštumas kietosiomis dalelėmis. Šiame darbe pateikiami tyrimų duomenys apie kietųjų dalelių ir sunkiųjų metalų koncentracijų kiekius Šiaulių miesto aplinkos ore 2007 m. Darbe įvertinti atliktų kietųjų dalelių koncentracijų tyrimai gyvenamųjų mikrorajonų ap...

  17. Gasification of biomass in a fixed bed downdraft gasifier--a realistic model including tar.

    Science.gov (United States)

    Barman, Niladri Sekhar; Ghosh, Sudip; De, Sudipta

    2012-03-01

    This study presents a model for fixed bed downdraft biomass gasifiers considering tar also as one of the gasification products. A representative tar composition along with its mole fractions, as available in the literature was used as an input parameter within the model. The study used an equilibrium approach for the applicable gasification reactions and also considered possible deviations from equilibrium to further upgrade the equilibrium model to validate a range of reported experimental results. Heat balance was applied to predict the gasification temperature and the predicted values were compared with reported results in literature. A comparative study was made with some reference models available in the literature and also with experimental results reported in the literature. Finally a predicted variation of performance of the gasifier by this validated model for different air-fuel ratio and moisture content was also discussed. Copyright © 2011 Elsevier Ltd. All rights reserved.

  18. Formulation of Pine Tar Antidandruff Shampoo Assessment and Comparison With Some Commercial Formulations

    Directory of Open Access Journals (Sweden)

    M. Gharavi

    1990-07-01

    Full Text Available In this study a pine tar shampoo as a new antidandruff formulation is presented. Assessment of antidandruff preparations has been hampered by the lack of standardized schedules, and reliable methods of evaluation.Some antidandruff agents such as : Zinc pyri-thione pine tar, selenium sulphide and (sulfure were used in shampoos. Samples were coded as numbers 1,2 formulated by us and 3,4 formulated commercially. The grading scheme based on 10 point scale, and corneocyte count was carried out on 50 selected volunte¬ers. Corneocyte count and fungal study proved that pine tor shampoo is effective against pityrosporum ovale. Draize lest was used for determination of the irritancy potential of the samples. Results showed that samples numbered 1,2 were relatively innocous in comparison with the others. I urthermore,s kin sensitination test on rabbit also confirmed the results obtained by Draize test. Consumer judgments proved that all formulations were acceptable.

  19. Isolation of biosurfactant-producing bacteria from the Rancho La Brea Tar Pits.

    Science.gov (United States)

    Belcher, Richard W; Huynh, Kelvin V; Hoang, Timothy V; Crowley, David E

    2012-12-01

    This research was conducted to identify culturable surfactant-producing bacterial species that inhabit the 40,000-year-old natural asphalt seep at the Rancho La Brea Tar Pits in Los Angeles, CA. Using phenanthrene, monocyclic aromatic hydrocarbons, and tryptic soy broth as growth substrates, culturable bacteria from the tar pits yielded ten isolates, of which three species of gamma-proteobacteria produced biosurfactants that accumulated in spent culture medium. Partially purified biosurfactants produced by these strains lowered the surface tension of water from 70 to 35-55 mN/m and two of the biosurfactants produced 'dark halos' with the atomized oil assay, a phenomenon previously observed only with synthetic surfactants. Key findings include the isolation of culturable biosurfactant-producing bacteria that comprise a relatively small fraction of the petroleum-degrading community in the asphalt.

  20. Coal-tar pavement sealants might substantially increase children's PAH exposures

    Science.gov (United States)

    Williams, E. Spencer; Mahler, Barbara J.; Van Metre, Peter C.

    2012-01-01

    Dietary ingestion has been identified repeatedly as the primary route of human exposure to polycyclic aromatic hydrocarbons (PAHs), seven of which are classified as probable human carcinogens (B2 PAHs) by the U.S. EPA. Humans are exposed to PAHs through ingestion of cooked and uncooked foods, incidental ingestion of soil and dust, inhalation of ambient air, and absorption through skin. Although PAH sources are ubiquitous in the environment, one recently identified PAH source stands out: Coal-tar-based pavement sealant—a product applied to many parking lots, driveways, and even playgrounds primarily in the central, southern, and eastern U.S.—has PAH concentrations 100–1000 times greater than most other PAH sources. It was reported recently that PAH concentrations in house dust in residences adjacent to parking lots with coal-tar-based sealant were 25 times higher than in residences adjacent to unsealed asphalt parking lots.

  1. Calcipotriol versus coal tar: a prospective randomized study in stable plaque psoriasis

    Energy Technology Data Exchange (ETDEWEB)

    Sharma, V.; Kaur, I.; Kumar, B. [Postgraduate Institute of Medicinal Education & Research, Chandigarh (India)

    2003-10-01

    Topical therapies are the first line of treatment for patients with stable plaque psoriasis (SPP) affecting a limited body surface area. Very few trials comparing newer agents, such as 0.005% topical calcipotriol, with conventional modes of therapy, such as coal tar ointment, have been reported. A prospective, right-left randomized, investigator-blinded study with a 12-week treatment period and an 8-week follow-up period was performed. It was found that 0.005% calcipotriol ointment produced a faster initial response and had better cosmetic acceptability in patients, although after a long period of treatment, i.e. 12 weeks, 5% coal tar ointment had comparable efficacy. There was no statistically significant difference in the relapse rates between the two modalities.

  2. Synthesis Of 2- (1- Naphthyl) Ethanoic Acid ( Plant Growth Regulator ) From Coal Tar And Its Application

    International Nuclear Information System (INIS)

    Khin Mooh Theint; Tin Myint Htwe

    2011-12-01

    Plant growth regulators, which are commonly called as plant hormones, naturally produced non-nutrient chemical compounds involved in growth and development. Among the various kinds of plant growth regulators, 2- (1- Naphthyl ) ethanoic acid especially encourages the root development of the plant. In this work, NAA was successfuly synthesized from naphthalene which was extracted from coal tar. The purity of naphthalene, -Chloromethyl naphthalene, -Naphthyl acetonitrile, - Naphthyl acetic acid or 2 - ( 1-Naphthyl ) ethanoic acid were also confirmed by Thin Layer Chromatography, and by spectroscopy methods. The yield percent of NAA based on naphthalene was found to be 2.1%. The yield percent of naphthaleneFrom coal tar is found to be 4.09%. The effect of NAA on root development was also studied in different concentrations of soy bean (Glycine max)and cow pea (Vigna catjang walp).

  3. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

    Full Text Available ABSTRACT The purpose of this project is in partial fulfilment of the requirements of Bachelor of Science Hon in Information Technology. The Design and development of this Bank customers Management system provides a more secured approach in managing bank customers information which strengthens the relationships between banks and their customers by providing the right solutions that uses a multi-level security to improve customer satisfaction. The technology used in developing this project is ASP.NET and the programming language used to develop this project is C and the IDE used is Microsoft Visual Studio 2013 professional in designing the front end while the back end uses Microsoft SQL Server 2012.

  4. Structure and chemical composition of hydrocarbons from semicoking tar of lignites from the near-Moscow fields

    Energy Technology Data Exchange (ETDEWEB)

    Platonov, V.V.; Proskuryakov, V.A.; Antonio, T.Z.; Ryltsova, S.V.; Platonova, M.V.; Shvykin, A.Y. [Lev Tolstoi State Pedagogical University, Tula (Russian Federation)

    1999-02-01

    Hydrocarbons from semicoking tar of lignites from the near-Moscow fields were separated by thin-layer chromatography and the molecular and hypothetical structural formulae of the components were determined. A genetic relationship between the components and the initial biological material was revealed. A contribution of `primary` hydrocarbons to formation of the qualitative composition of tars obtained by high-temperature processing of lignites was demonstrated.

  5. Search for a solvent using the UNIFAC method for separation of coal tar distillate by liquid-liquid extraction

    Energy Technology Data Exchange (ETDEWEB)

    Egashira, R.; Watanabe, K. [Tokyo Institute of Technology, Tokyo (Japan)

    2007-07-01

    Firstly, the functional groups composing the solvent predicted to be appropriate for the separation of coal tar distillate were selected. Secondly, liquid-liquid equilibria between coal tar distillates and solvents containing fictitious components consisting of the above selected functional groups were estimated by UNIFAC to determine the effects of these groups on the distribution coefficients. Finally, according to these results, solvents containing real components were selected and compared. These results provide useful information for the selection of appropriate extracting solvents.

  6. Stuck in the tar sands : how the federal government's proposed climate change strategy lets oil companies off the hook

    International Nuclear Information System (INIS)

    2008-10-01

    The credibility of any federal climate change strategy must be measured against its ability to reduce emissions from the tar sands. However, the federal government has proposed a climate change strategy that would allow tar sands producers to double their total emissions over the next decade. This report discussed how the federal government's proposed climate change strategy lets oil companies off the hook. The report discussed the problems and harmful effects associated with tar sands development, including greenhouse gas emissions; water depletion and pollution; toxic air emissions; destruction of the boreal forest; violation of native rights; threat to energy security; and negative socio-economic spin-off from an overheated economy. The federal government's proposed strategy was also assessed in terms of its weak greenhouse gas targets; ignoring the recent growth in tar sands emissions; adopting intensity-based targets instead of hard caps on greenhouse gas pollution, allowing total emissions from the tar sands to keep climbing; putting off critical measures until 2018; awarding oil companies hundreds of millions of dollars in credits for meeting targets they have already adopted voluntarily; lowballing the price of oil and downplaying future growth in tar sands emissions; ignoring huge portions of the oil industry's greenhouse gas pollution; letting oil companies buy their way out at rockbottom prices instead of forcing them to reduce their own emissions; and subsidizing increased tar sands production. It was concluded that the federal government's proposed plan to reduce greenhouse gas emissions was inadequate, because it failed to crack down on rising greenhouse gas emissions from the tar sands, one of Canada's most carbon intensive and fastest growing industries. 29 refs., 1 appendix

  7. Topical coal tar alone and in combination with oral methotrexate in management of psoriasis : a retrospective analysis

    Directory of Open Access Journals (Sweden)

    Prasad PVS

    1997-01-01

    Full Text Available Thirty five patients admitted with psoriasis were analysed. 16 patients received 20% crude coal tar and 19 patients received 20% crude coal tar along with methotrexate in a weekly oral schedule (15mg/wk. After 4 weeks of therapy there was total clearence in 52.6% of the patients with combination therapy, whereas only 12.5% of the patients with conventional therapy achieved this.

  8. Customer loyalty in Internet banking

    OpenAIRE

    Eriksson, M.; Schuster, C.

    2008-01-01

    In the recent years the way to do banking has changed. Internet banking has grown and a lot of niche banks working mainly with the Internet as a medium has entered the Swedish bank market. How to keep the customer loyal online in a very competitive environment has become a main question for the banks. The aim of this dissertation is to test what factors impact bank customer loyalty in an online environment. A positivistic research philosophy, a deductive research approach, an explanatory pur...

  9. Genetic relationship of flavenoids from extracts and semicoking tars of lignite with the initial vegetable matter

    Energy Technology Data Exchange (ETDEWEB)

    Platonov, V.V.; Shrykin, A.Y.; Podshibyakin, S.I.; Proskuryakov, V.A.; Shavyrina, O.A. [Lev Tolstoi State Pedagogical University, Tula (Russian Federation)

    1999-06-01

    A genetic relationship of flavonoids from extracts and semi-coking tars of lignites mined at the near-Moscow and Kansk-Achinsk fields with flavenoids of vegetable origin has been found. Paleoreconstruction of the possible species of the initial vegetable matter from which the organic matter of these lignites had originated was performed. Possible schemes of transformations of the initial natural flavonoids under conditions of lignite formation and in the course of semicoking are presented.

  10. Chemical composition of organic bases from semicoking tar of lignites from the near-Moscow fields

    Energy Technology Data Exchange (ETDEWEB)

    Platonov, V.V.; Proskuryakov, V.A.; Polovetskaya, O.S. [Lev Tolstoi State Pedagogical University, Tula (Russian Federation)

    1999-02-01

    The chemical composition of organic bases from the semicoking tar of lignite from the near-Moscow fields was studied in detail by chemical functional, emission spectrum, and structural-group analyses, LR, UV and {sup 1}H and {sup 13}C NMR spectroscopy, cryoscopy, capillary gas chromatography, and chromatography-mass spectrometry. A scheme was developed for separation of the organic bases by adsorption liquid chromatography.

  11. Chemical composition of phenols from tars produced in semicoking of lignite from the near Moscow fields

    Energy Technology Data Exchange (ETDEWEB)

    Platonov, V.V.; Proskuryakov, V.A.; Manuel, A.; Nechaeva, E.A. [Lev Tolstoi State Pedagogical University, Tula (Russian Federation)

    1998-10-01

    The chemical composition of phenols from semicoking tar produced in low-temperature carbonization of lignite from the near-Moscow fields was studied by elemental, chemical functional, emission spectral, and structural-group analyses, cryoscopy, IR, UV and {sup 1}H, and {sup 13}C NMR spectroscopy, capillary gas chromatography, and gas chromatography-mass spectrometry. A scheme was developed for adsorption liquid chromatography of phenols.

  12. Tar sand extraction by steam stimulation and steam drive: measurement of physical properties

    Energy Technology Data Exchange (ETDEWEB)

    Linberg, W.R.

    1980-09-10

    The measurement of the following thermophysical properties of Utah tar sands is in progress: thermal conductivity, specific heat relative permeability, and viscosity (of the recovered bitumen). During the report period (October 1, 1978 to November 1, 1979), experimental procedures have been developed and a basic data set has been measured. Additionally, standard core analysis has been performed for four drill sites in the Asphalt Ridge, Utah area.

  13. Remediation of Coal Tar by STAR: Self-Sustaining Propagation Across Clean Gaps

    Science.gov (United States)

    Gerhard, J.; Brown, J.; Torero, J. L.; Grant, G.

    2016-12-01

    Self-sustaining Treatment for Active Remediation (STAR) is an emerging remediation technique which utilizes a subsurface smouldering reaction to destroy non-aqueous phase liquids (NAPL) in situ. The reaction is self-sustaining in that, once ignited, the destructive smouldering front will propagate outwards using only the energy embedded in the contaminant. However, it is known that coal tar can occur as both a continuous pool as well as in distinct seams separated by clean intervals. This study evaluated the hypothesis that the smouldering reaction can cross or `jump' clean gaps by transferring enough heat through the gap to re-ignite the reaction in the contaminated region beyond. Column and 2D box experiments were performed at two scales to determine the maximum clean gap which could be jumped vertically and horizontally. Once the maximum gap had been determined, sensitivity to various in situ and engineering control parameters were explored including: coal tar layer thickness, soil permeability, moisture content, NAPL saturation, and air injection flowrate. High resolution thermocouples informed the progress of the reaction, continuous gas emissions analysis revealed when the reaction was active and dormant, and detailed excavation mapped the extent of remediation and whether gaps were successfully jumped. The work demonstrated that substantial clean gaps, approaching the limit of the laboratory scale, can be jumped by the smouldering reaction using convective heat transfer. Also observed in some cases was the mobilization of pre-heated coal tar into the clean gaps and the reaction's ability to propagate through and destroy coal tar both adjacent to and within the gaps. This work is providing new insights into the robust nature of the technology for in situ applications, and indicating how extreme the heterogeneity has to be before the reaction is interrupted and a new ignition location would be required.

  14. Plasma Gasification of Wood and Production of Gas with Low Content of Tar

    Czech Academy of Sciences Publication Activity Database

    Hlína, Michal; Hrabovský, Milan; Kopecký, Vladimír; Konrád, Miloš; Kavka, Tetyana; Skoblja, S.

    2006-01-01

    Roč. 56, suppl. B (2006), s. 1179-1184 ISSN 0011-4626. [Symposium on Plasma Physics and Technology/22nd./. Praha, 26.6.2006-29.6.2006] R&D Projects: GA ČR GA202/05/0669 Institutional research plan: CEZ:AV0Z20430508 Keywords : tar * plasma * biomass gasification Subject RIV: BL - Plasma and Gas Discharge Physics Impact factor: 0.568, year: 2006

  15. Solution of ecological problems at Altai coal-tar chemical plant

    International Nuclear Information System (INIS)

    Kochkina, V.I.

    1996-01-01

    Some results of nature-protective activities at the Altai coal-tar chemical plant during the recent fifteen years are summarized. Development and introduction of internal drainage technological water supply systems made it possible to decrease to the minimum the intake of fresh technological water, which equals 3% of the total volume of water consumption and provide for of the Chumysh river agains contamination through technological and contaminated show melt water

  16. Coal tar creosote abuse by vapour inhalation presenting with renal impairment and neurotoxicity: a case report

    OpenAIRE

    Hiemstra Thomas F; Bellamy Christopher OC; Hughes Jeremy H

    2007-01-01

    Abstract A 56 year old aromatherapist presented with advanced renal failure following chronic coal tar creosote vapour inhalation, and a chronic tubulo-interstitial nephritis was identified on renal biopsy. Following dialysis dependence occult inhalation continued, resulting in seizures, ataxia, cognitive impairment and marked generalised cerebral atrophy. We describe for the first time a case of creosote abuse by chronic vapour inhalation, resulting in significant morbidity. Use of the polyc...

  17. Nuclear Plant Data Bank

    International Nuclear Information System (INIS)

    Booker, C.P.; Turner, M.R.; Spore, J.W.

    1986-01-01

    The Nuclear Plant Data Bank (NPDB) is being developed at the Los Alamos National Laboratory to assist analysts in the rapid and accurate creation of input decks for reactor transient analysis. The NPDB will reduce the time and cost of the creation or modification of a typical input deck. This data bank will be an invaluable tool in the timely investigation of recent and ongoing nuclear reactor safety analysis. This paper discusses the status and plans for the NPDB development and describes its anticipated structure and capabilities

  18. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

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

  19. Cyber risk in banking

    OpenAIRE

    Linert, Jan

    2015-01-01

    The bachelor thesis deals with the cyber risk in banking industry. Its main goal is to stress the imporatance of cyber risk both verbally and numericaly and review the approach of banks to this risk. The first part of this thesis specifies what cyber risk is and how it fits among other operational risks, presents the common cyber-attacks and archetypes of cyber criminals, later it delves into the cyber risk in Czech Republic and at the end of this part it mentions the legislation that covers ...

  20. Fast microwave-assisted catalytic gasification of biomass for syngas production and tar removal.

    Science.gov (United States)

    Xie, Qinglong; Borges, Fernanda Cabral; Cheng, Yanling; Wan, Yiqin; Li, Yun; Lin, Xiangyang; Liu, Yuhuan; Hussain, Fida; Chen, Paul; Ruan, Roger

    2014-03-01

    In the present study, a microwave-assisted biomass gasification system was developed for syngas production. Three catalysts including Fe, Co and Ni with Al2O3 support were examined and compared for their effects on syngas production and tar removal. Experimental results showed that microwave is an effective heating method for biomass gasification. Ni/Al2O3 was found to be the most effective catalyst for syngas production and tar removal. The gas yield reached above 80% and the composition of tar was the simplest when Ni/Al2O3 catalyst was used. The optimal ratio of catalyst to biomass was determined to be 1:5-1:3. The addition of steam was found to be able to improve the gas production and syngas quality. Results of XRD analyses demonstrated that Ni/Al2O3 catalyst has good stability during gasification process. Finally, a new concept of microwave-assisted dual fluidized bed gasifier was put forward for the first time in this study. Copyright © 2014 Elsevier Ltd. All rights reserved.

  1. Screening method for solvent selection used in tar removal by the absorption process.

    Science.gov (United States)

    Masurel, Eve; Authier, Olivier; Castel, Christophe; Roizard, Christine

    2015-01-01

    The aim of this paper is the study of the treatment of flue gas issued from a process of biomass gasification in fluidized bed. The flue gas contains tar which should be selectively removed from the fuel components of interest (e.g. H2, CO and light hydrocarbons) to avoid condensation and deposits in internal combustion engine. The chosen flue gas treatment is the gas-liquid absorption using solvents, which present specific physicochemical properties (e.g. solubility, viscosity, volatility and chemical and thermal stability) in order to optimize the unit on energetic, technico-economic and environmental criteria. The rational choice of the proper solvent is essential for solving the tar issue. The preselection of the solvents is made using a Hansen parameter in order to evaluate the tar solubility and the saturation vapour pressure of the solvent is obtained using Antoine law. Among the nine families of screened solvents (alcohols, amines, ketones, halogenates, ethers, esters, hydrocarbons, sulphured and chlorinates), acids methyl esters arise as solvents of interest. Methyl oleate has then been selected and studied furthermore. Experimental liquid-vapour equilibrium data using bubbling point and absorption cell measurements and theoretical results obtained by the UNIFAC-Dortmund model confirm the high potential of this solvent and the good agreement between experimental and theoretical results.

  2. Cancer risk from incidental ingestion exposures to PAHs associated with coal-tar-sealed pavement

    Science.gov (United States)

    Williams, E. Spencer; Mahler, Barbara J.; Van Metre, Peter C.

    2012-01-01

    Recent (2009-10) studies documented significantly higher concentrations of polycyclic aromatic hydrocarbons (PAHs) in settled house dust in living spaces and soil adjacent to parking lots sealed with coal-tar-based products. To date, no studies have examined the potential human health effects of PAHs from these products in dust and soil. Here we present the results of an analysis of potential cancer risk associated with incidental ingestion exposures to PAHs in settings near coal-tar-sealed pavement. Exposures to benzo[a]pyrene equivalents were characterized across five scenarios. The central tendency estimate of excess cancer risk resulting from lifetime exposures to soil and dust from nondietary ingestion in these settings exceeded 1 × 10–4, as determined using deterministic and probabilistic methods. Soil was the primary driver of risk, but according to probabilistic calculations, reasonable maximum exposure to affected house dust in the first 6 years of life was sufficient to generate an estimated excess lifetime cancer risk of 6 × 10–5. Our results indicate that the presence of coal-tar-based pavement sealants is associated with significant increases in estimated excess lifetime cancer risk for nearby residents. Much of this calculated excess risk arises from exposures to PAHs in early childhood (i.e., 0–6 years of age).

  3. Inhibition of HIV Replication by Cyclic and Hairpin PNAs Targeting the HIV-1 TAR RNA Loop

    Directory of Open Access Journals (Sweden)

    Gregory Upert

    2012-01-01

    Full Text Available Human immunodeficiency virus-1 (HIV-1 replication and gene expression entails specific interaction of the viral protein Tat with its transactivation responsive element (TAR, to form a highly stable stem-bulge-loop structure. Previously, we described triphenylphosphonium (TPP cation-based vectors that efficiently deliver nucleotide analogs (PNAs into the cytoplasm of cells. In particular, we showed that the TPP conjugate of a linear 16-mer PNA targeting the apical stem-loop region of TAR impedes Tat-mediated transactivation of the HIV-1 LTR in vitro and also in cell culture systems. In this communication, we conjugated TPP to cyclic and hairpin PNAs targeting the loop region of HIV-1 TAR and evaluated their antiviral efficacy in a cell culture system. We found that TPP-cyclic PNAs containing only 8 residues, showed higher antiviral potency compared to hairpin PNAs of 12 or 16 residues. We further noted that the TPP-conjugates of the 8-mer cyclic PNA as well as the 16-mer linear PNA displayed similar antiviral efficacy. However, cyclic PNAs were shown to be highly specific to their target sequences. This communication emphasizes on the importance of small constrained cyclic PNAs over both linear and hairpin structures for targeting biologically relevant RNA hairpins.

  4. Aggravated test of Intermediate temperature solid oxide fuel cells fed with tar-contaminated syngas

    Science.gov (United States)

    Pumiglia, Davide; Vaccaro, Simone; Masi, Andrea; McPhail, Stephen J.; Falconieri, Mauro; Gagliardi, Serena; Della Seta, Livia; Carlini, Maurizio

    2017-02-01

    In the present work, the effects of a tar-containing simulated syngas on an IT-SOFC (Intermediate Temperature Solid Oxide Fuel Cell) are evaluated. Performance and degradation rate of a planar anode-supported cell, operating under a simulated syngas obtained from steam-enriched air gasification of biomass, have been studied. The simulated syngas was contaminated using toluene as a model tar. Polarization curves and electrochemical impedance spectroscopy have been carried out under different toluene concentrations. A cell was then operated under a constant current density on a long run. EIS measurements were made during the operation to analyze the degradation, and the voltage evolution of the cell was compared to that obtained from another identical cell operated in clean syngas for 1000 h under similar conditions. A deep post-mortem characterization was performed by means of XRD measurements, Raman spectroscopy and SEM/EDS analysis. Results show that the presence of tar dramatically reduces the electrochemical performances of the cell, affecting both activation and mass transport processes. Post-mortem analysis shows the formation of carbon deposits, oxidation of Ni to NiO, segregation of ZrO2 from the YSZ phase, particle coarsening and enhanced fragility of the anode structure, in good agreement with what suggested from the electrochemical results.

  5. Occurrence of tar balls on the beaches of Fernando de Noronha Island, South Equatorial Atlantic.

    Science.gov (United States)

    Baptista Neto, José Antônio; da Costa Campos, Thomas Ferreira; de Andrade, Carala Danielle Perreira; Sichel, Susanna Eleonora; da Fonseca, Estefan Monteiro; Motoki, Akihisa

    2014-12-01

    This work reports on the widespread occurrence of tar balls on a pebble beach of Sueste Bay on Fernando de Noronha Island, a Brazilian national marine park and a preserve in the South Equatorial Atlantic. Environmental regulations preclude regular visitors to the Sueste Bay beach, and the bay is a pristine area without any possible or potential sources of petroleum in the coastal zone. In this work, these tar balls were observed for the first time as they occurred as envelopes around beach pebbles. They are black in color, very hard, have a shell and coral fragment armor, and range in average size from 2 to 6 cm. The shape of the majority of the tar balls is spherical, but some can also be flattened ellipsoids. The polycyclic aromatic hydrocarbon analyses of the collected samples revealed the characteristics of a strongly weathered material, where only the most persistent compounds were detected: chrysene, benzo(b,k)fluoranthene, dibenzo(a,h)antracene and benzo(a)pyrene.

  6. Marketing 'less harmful, low-tar' cigarettes is a key strategy of the industry to counter tobacco control in China.

    Science.gov (United States)

    Yang, Gonghuan

    2014-03-01

    While the 'low-tar' scheme has been widely recognised as a misleading tactic used by the tobacco industry to deceive the public about the true risks of cigarette smoking, a similar campaign using the slogan of 'less harmful, low tar' was launched by the Chinese tobacco industry, that is, State Tobacco Monopoly Administration/China National Tobacco Corporation and began to gain traction during the last decade. Despite the fact that no sufficient research evidence supports the claims made by the industry that these cigarettes are safer, the Chinese tobacco industry has continued to promote them using various health claims. As a result, the production and sales of 'less harmful, low-tar' cigarettes have increased dramatically since 2000. Recently, a tobacco industry senior researcher, whose main research area is 'less harmful, low-tar' cigarettes, was elected as an Academician to the prestigious Chinese Academy of Engineering for his contribution to developing 'less harmful, low-tar' cigarettes. The tobacco researcher's election caused an outcry from the tobacco control community and the general public in China. This paper discusses the Chinese tobacco industry's 'less harmful, low-tar' initiatives and calls for the Chinese government to stop the execution of this deceptive strategy for tobacco marketing.

  7. Field and Model Study to Define Baseline Conditions of Beached Oil Tar Balls along Florida’s First Coast

    Directory of Open Access Journals (Sweden)

    Peter Bacopoulos

    2014-03-01

    Full Text Available Anecdotal data are currently the best data available to describe baseline conditions of beached oil tar balls on Florida’s First Coast beaches. This study combines field methods and numerical modeling to define a data-driven knowledge base of oil tar ball baseline conditions. Outcomes from the field study include an established methodology for field data collection and laboratory testing of beached oil tar balls, spatial maps of collected samples and analysis of the data as to transport/wash-up trends. Archives of the electronic data, including GPS locations and other informational tags, and collected samples are presented, as are the physical and chemical analyses of the collected samples. The thrust of the physical and chemical analyses is to differentiate the collected samples into highly suspect oil tar balls versus false/non-oil tar ball samples. The numerical modeling involves two-dimensional hydrodynamic simulations of astronomic tides. Results from the numerical modeling include velocity residuals that show ebb-dominated residual currents exiting the inlet via an offshore, counter-rotating dual-eddy system. The tidally derived residual currents are used as one explanation for the observed transport trends. The study concludes that the port activity in the St. Johns River is not majorly contributing to the baseline conditions of oil tar ball wash-up on Florida’s First Coast beaches.

  8. Basel III Global Liquidity Standards: Critical Discussion and Impact onto the European Banking Sector

    Directory of Open Access Journals (Sweden)

    Veronika Bučková

    2011-09-01

    Full Text Available Together with the Basel III regulatory equity rules, two liquidity ratios have been published. Resulting from the illiquidity of some banks during the financial crisis in 2008, these ratios shall help to prevent further crisis in the European banking sector. But do they really fulfill their aim? This article presents the new liquidity ratios, the actual liquidity situation in banks and describes the consequences for banks at a simplified example. It has to be stated that implementing more detailed liquidity frameworks into the banking supervision process is necessary. The financial crisis in 2008 showed that several banks did not have adequate liquidity risk models and processes to prevent illiquidity. But the LCR and the NSFR seem to be wrong methods. Both ratios will increase. The implementation of both ratios has to be done very carefully in order to prevent this.

  9. Determinants of bank profitability: Evidence from the Greek banking sector

    OpenAIRE

    Alexiou Constantinos; Sofoklis Voyazas

    2009-01-01

    This paper investigates the effects of bank-specific and macroeconomic determinants of bank profitability, using an empirical framework that incorporates the traditional Structure-Conduct- Performance (SCP) hypothesis. A panel data approach has been adopted and effectively applied to six Greek banks. The evidence generated suggests that for any consistent or systematic size the profitability relationship is relatively weak. Most of the bank-specific determinants were found to significantly af...

  10. The influence of bank employees on bank customer relationship management

    Directory of Open Access Journals (Sweden)

    C. Rootman

    2007-12-01

    Full Text Available Purpose: Despite extensive research in services marketing, much is still unknown to specific service providers on the influence of their employees on their services. This paper attempts to address this limitation and investigates the influence of employees on the customer relationship management (CRM of banks. The primary objective of this paper is to investigate the influence of selected independent variables, namely attitude and knowledgeability, on the CRM of banks. Design/Methodology/Approach: An empirical investigation was conducted with a structured questionnaire with items that related to banks' CRM in terms of attitude and knowledgeability. The sample consisted of 290 banking clients in the Nelson Mandela Metropolitan area and the response rate was 91.03%. Findings: Significant positive relationships exist between both the knowledgeability, and attitude of bank employees and a bank's CRM. These relationships imply that more extensive knowledgeability and more positive attitudes of bank employees lead to improved, maintained relationships between a bank and its clients. Employees play an important role in banks’ client relationships. Implications: Banks should focus on increasing their employees' knowledgeability and improving their attitude to ensure higher levels of CRM. This paper provides strategies for banks and could create greater awareness among South African banks of the advantages of CRM, how their employees influence their CRM, and ways to adapt to these influences. Originality/Value: No study has focused exclusively on CRM within banks in South Africa. Prior research focused on customer service and service quality; both possible results of superior CRM. However, this research differs, as it identifies the variables influencing CRM in banks in South Africa. It is proposed that this paper will be beneficial for South African banks, as the recommendations may be used to ensure higher levels of CRM in banks.

  11. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Dragan (Santamarian Oana Raluca

    2012-12-01

    Full Text Available This paper describes one of the major challenges of the future: the sustainable development of the society. Sustainability is now increasingly recognized as central to the growth of emerging market economies. For the banking sector, this represents both a demand for greater social and environmental responsibility as well as a new landscape of business opportunity. Several years ago, the main part of the banks did not consider the social and environmental problems relevant for their operations. Recently, the banks began to realize the major impact of the sustainable development over the way of ulterior development of the society and, implicitly over the way of creating of the banking value in the future. In this context, the development of a banking management system, based on sustainable principles represents one of the provocations of these days.Starting from literature in the sustainable banking management field in this paper are presented several relevant issues related to risk management in the context of sustainable banking financing: the need to implement the sustainable management principles in financial and banking industry; the role of banks in sustainable development of society; social and environmental risk management policies, events that have shaped the role of the banking sector in sustainable development; international standards regarding sustainable banking management such us: Equator Principles for sustainable investment projects’ financing or GRI principles for sustainable reporting. Furthermore, we developed a practical case study related to the implementation of sustainable banking management at Bank of America.

  12. 12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Interstate banking operations of foreign banking organizations. 211.22 Section 211.22 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM INTERNATIONAL BANKING OPERATIONS (REGULATION K) Foreign Banking...

  13. Opposite policy implications in the theory of money and banking

    Directory of Open Access Journals (Sweden)

    Jefferson D. P. Bertolai

    2013-12-01

    Full Text Available The recent financial crisis creates a demand for welfare-based models of financial regulation and liquidity shortages. In this paper, we review policy implications from two cornerstone models and show that they imply different responses in terms of intertemporal returns of financial liabilities. In the first case, a version of the Cavalcanti and Wallace (1999, random-matching model, monitored agents are led to promote inflation in bank-issued money. In the second case, a sequential-service version of the Diamond and Dybvig (1983 model of bank runs with insolvency, increases in long-run returns can prevent bank runs by reducing the provision of liquidity.

  14. The Effects of Liquidity Regulation on Bank Assets and Liabilities

    OpenAIRE

    Patty Duijm; Peter Wierts

    2014-01-01

    Under Basel III rules, banks become subject to a liquidity coverage ratio (LCR) from 2015 onwards, to promote short-term resilience. We investigate the effects of such liquidity regulation on bank liquid assets and liabilities. Results indicate co-integration of liquid assets and liabilities, to maintain a minimum short-term liquidity buffer. Still, microprudential regulation has not prevented an aggregate liquidity cycle characterised by a pro-cyclical pattern in the size of balance sheets a...

  15. Capital Adequacy in Banks: Reflections on Selected Banks in ...

    African Journals Online (AJOL)

    In principle, bank capital serves two functions. First, it represents the value of shareholder's equity, and secondly, it is the value of the buffer stock available to absorb unexpected losses. Because of this second function, it is argued that a bank's capital must be adequate. Adequate capital is the foundation of any banking ...

  16. An Evaluation of Banks' Liability in Robbery Incidents at Banks ...

    African Journals Online (AJOL)

    However, the issue of armed robbery attack at the bank premises brings to the fore two issues which are of paramount interest to the banker, customer and the general public. The issues are: (a) is the family of a bank customer killed by armed robbers in the banking hall during a transaction entitled to compensation? (b) Is a ...

  17. National Wetland Mitigation Banking Study Wetland Migitation Banking.

    Science.gov (United States)

    1994-02-01

    require advance mitigation. The Acequia Mitigation Bank in Idaho, for example, requires that mitigation must be complete and successful before...20. Georgia - Georgia Department of Transportation (single client DOT bank) 21. Idaho - Acequia (single client DOT bank) 22. Idaho - Mud Lake...21. Acequia Cassia County, ID ID Transportation Dept. (ITD) ITD ITD currently public - ITD 22. Mud Lake Wildlife Management Area

  18. Evolution of central banking? De Nederlandsche Bank 1814-1852

    NARCIS (Netherlands)

    Uittenbogaard, R.A.

    2014-01-01

    Nowadays the role of central bank is unquestioned and nearly ubiquitous. But was this always the case? This thesis analyses how De Nederlandsche Bank (DNB) developed into a central bank during the first four decades of its existence. Its establishment in 1814 was the result of a combination of both

  19. Basel III and prudent risk management in banking: Continuing the cycle of fixing past crises

    Directory of Open Access Journals (Sweden)

    François Laurens

    2012-09-01

    Full Text Available Financial crises have had a significant impact on bank regulation and supervision. Reforms are often focussed on correcting past failings. Following the 2007 financial crisis, Basel III reforms have been introduced with a view to promote a more resilient banking sector and to improve the banking sector’s ability to absorb shocks arising from financial distress. A review of the Basel III reforms and the literature on the link between capital adequacy regulations and bank stability indicates that these regulations are unlikely to prevent the failure of banks resulting in systemic crises

  20. Banking Crisis Early Warning Model based on a Bayesian Model Averaging Approach

    Directory of Open Access Journals (Sweden)

    Taha Zaghdoudi

    2016-08-01

    Full Text Available The succession of banking crises in which most have resulted in huge economic and financial losses, prompted several authors to study their determinants. These authors constructed early warning models to prevent their occurring. It is in this same vein as our study takes its inspiration. In particular, we have developed a warning model of banking crises based on a Bayesian approach. The results of this approach have allowed us to identify the involvement of the decline in bank profitability, deterioration of the competitiveness of the traditional intermediation, banking concentration and higher real interest rates in triggering bank crisis.

  1. Statistical assessment of quality of credit activity of Ukrainian banks

    Directory of Open Access Journals (Sweden)

    Moldavska Olena V.

    2013-03-01

    Full Text Available The article conducts an economic and statistical analysis of the modern state of credit activity of Ukrainian banks and main tendencies of its development. It justifies urgency of the statistical study of credit activity of banks. It offers a complex system of assessment of bank lending at two levels: the level of the banking system and the level of an individual bank. The use of the system analysis allows reflection of interconnection between effectiveness of functioning of the banking system and quality of the credit portfolio. The article considers main aspects of management of quality of the credit portfolio – level of troubled debt and credit risk. The article touches the problem of adequate quantitative assessment of troubled loans in the credit portfolios of banks, since the methodologies of its calculation used by the National Bank of Ukraine and international rating agencies are quite different. The article presents a system of methods of management of credit risk, both theoretically and providing specific examples, in the context of prevention of occurrence of risk situations or elimination of their consequences.

  2. An Empirical Research on Bank Client Credit Assessments

    Directory of Open Access Journals (Sweden)

    Quan Chen

    2018-05-01

    Full Text Available Individual microcredit loans involve large quantities and small amounts and necessitate rapid approval, therefore making simple and fast application approvals rather critical. Creditors must evaluate clients’ credit status and default risk within the shortest time when determining whether to approve or decline their applications, preventing overdue responses that negatively impact bank profits and management practices, and could trigger domestic financial crises. This study investigates client credit quality criteria, focusing on the expert opinions of bank managers. The decision-making trial and evaluation laboratory method is adopted to enable a comparison and analysis of the similarities and differences in how banks evaluate their clients’ character, ability, financial capability, and collateral. Based on causality and correlations among the criteria, we also identify the core problems and key improvement criteria in the evaluation system. Through survey results of professional managers from Taiwanese banks, this study uses the DEMATEL method to compare the differences in bank evaluation methods based on the four dimensions of clients’ character, ability, pockets, and collateral, as well as the corresponding 14 criteria. In order to improve the reliability and usefulness in bank client credit risk assessment, the assessment dimensions and indicators of bank client credit risk assessment are first discussed; second, the causal relationship and degree of mutual influence between different dimensions and criteria are researched and assessed; in the end, the paper discusses how to improve the function and the benefits of bank client credit risk assessment.

  3. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

    This article reports a study of the determinants of effective management of of retail banking services in Ghana......This article reports a study of the determinants of effective management of of retail banking services in Ghana...

  4. Properties of gasification-derived char and its utilization for catalytic tar reforming

    Science.gov (United States)

    Qian, Kezhen

    Char is a low-value byproduct of biomass gasification and pyrolysis with many potential applications, such as soil amendment and the synthesis of activated carbon. The overall goal of the proposed research was to develop novel methods to use char derived from gasification for high-value applications in syngas conditioning. The first objective was to investigate effects of gasification condition and feedstock on properties of char derived from fluidized bed gasification. Results show that the surface areas of most of the char were 1--10 m 2/g and increased as the equivalence ratio increased. Char moisture and fixed carbon contents decreased while ash content increased as equivalence ratio increased. The next objective was to study the properties of sorghum and red cedar char derived from downdraft gasifier. Red cedar char contained more aliphatic carbon and o-alkyl carbon than sorghum char. Char derived from downdraft gasification had higher heating values and lower ash contents than char derived from fluidized bed gasification. The gasification reactivity of red cedar char was higher than that of sorghum char. Then, red cedar char based catalysts were developed with different preparation method to reform toluene and naphthalene as model tars. The catalyst prepared with nickel nitrate was found to be better than that with nickel acetate. The nickel particle size of catalyst impregnated with nickel nitrate was smaller than that of catalyst impregnated with nickel acetate. The particle size of catalyst impregnated with nickel acetate decreased by hydrazine reduction. The catalyst impregnated with nickel nitrate had the highest toluene removal efficiency, which was 70%--100% at 600--800 °C. The presence of naphthalene in tar reduced the catalyst efficiency. The toluene conversion was 36--99% and the naphthalene conversion was 37%--93% at 700--900 °C. Finally, effects of atmosphere and pressure on catalytic reforming of lignin-derived tars over the developed catalyst

  5. Exploring the chemical composition of pelagic tar collected in the North Atlantic Ocean

    Science.gov (United States)

    Green, H. S.; Reddy, C. M.; Valentine, D. L.; Aeppli, C.; Swarthout, B.; Sharpless, C.; Joyce, P.; Meyer, A. W.; Fuller, S. A.; Gosselin, K.

    2016-12-01

    Pelagic tarballs have been linked to multiple sources and their abundances follow notable historical and geographic trends. An overwhelming number of studies point to operational discharges (cargo washing) as the main source of pelagic tar. In a recent review article, Warnock et al. (2015) summarized that the abundance of tar balls has decreased over the last 30 years. The decreasing trend of tarballs has been attributed to the MARPOL 73/78 Annex I legislation, which was created from conventions held in 1973 and again in 1978 to respond to several tanker accidents and other pollution-related inputs. Two of the studies supporting the "MARPOL 73/78 effect" were based on the historical record of tarballs collected in the North Atlantic Ocean by the Sea Education Association (SEA; Woods Hole, MA). To supplement the SEA record, we performed a series of geochemical analyses on 100 of the SEA samples collected from 1988 to 2014. Bulk and gas chromatographic (GC) analyses revealed that the samples were highly variable. For example, the amount of material that could be dissolved in organic solvent but not measured by gas chromatography (referred to as the % GC amenable, a proxy on the distribution of compound classes that compose the tar) ranged from 10 to 80%, although skewed to values less than 40%. Another parameter, based on the GC data, was the perecentage of the resolved relative to the unresolved signal spanned from 0.1 to 1.8. Nine of the sampes would not dissolve in organic solvents and appear to be soot or coal. This study has an operation limitation as we choose to only examine samples > 1 cm (relative to samples smaller than 1mm). Our approach was based on the assumption that these samples were the most unlikely to be weathered and hence retain the genetic features of the initially released tar. While this study does not have the capacity to test confidently the MARPOL 73/78 effect, it does show that pelagic tars are highly variable, which in turn, have

  6. Electronic Load Bank

    Science.gov (United States)

    Huston, Steven W.

    1992-01-01

    Electronic load-bank circuit provides pulsed or continuous low-resistance load to imitate effect of short circuit on Ni/H2 or other electrochemical power cells. Includes safety/warning feature and taps for measurement of cell-output voltage and current.

  7. Banking on Diversity

    Science.gov (United States)

    Roach, Ronald

    2010-01-01

    Few organizations have as racially and culturally diverse a work force as the organizations that make up the World Bank Group. Of its 13,000 employees, nearly 60 percent of whom are located in downtown Washington, D.C., and the rest scattered across 160 offices around the globe, nearly every nation in the world is represented in the World Bank…

  8. UBS BANK INFORMATION

    CERN Multimedia

    UBS, CERN branch

    2002-01-01

    UBS SA, formerly Société de Banque Suisse (Swiss Bank Corporation), which has been providing banking services on the CERN site since 1954, is delighted to continue its financial partnership with the CERN personnel. Recent trends in payment methods - a decline in the use of cash combined with an increase in the use of 'virtual money', credit or payment cards and e-banking - have led UBS SA to place greater emphasis on customer services compared with conventional, over-the-counter transactions. Since our customers' banking habits have also changed, we will be implementing the following changes at our CERN offices: Building 500: conversion work will shortly be commencing to provide a comfortable and well-appointed customer services area offering, in particular, greater privacy, as well as two counters. Throughout the work, every measure will be taken to minimise inconvenience to our customers. Building 504: owing to the improvements to be made to our Building 500 premises, we will hencef...

  9. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...

  10. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...

  11. De-globalising bank regulation

    OpenAIRE

    Mario Tonveronachi

    2013-01-01

    The recent crisis has promoted a rethinking of financial globalisation, a revision that has also partially interested some official circles. National supervisors have often reacted to the crises of cross-border banks by ring fencing local interests. Some proposals (e.g. the Vickers Report and the Fed’s subsidiarisation of US establishments of foreign banks) de facto imply a partial de-globalisation of both banks and their supervision. Orthodox regulators and large banks point, on the contrary...

  12. Central Banking after the Crisis

    OpenAIRE

    Frederick S. Mishkin

    2013-01-01

    This paper explores where central banking is heading after the recent financial crisis. First it discusses the central bank consensus before the crisis and then outlines the key facts learned from the crisis that require changes in the way central banks conduct their business. Finally, it discusses four main areas in which central banks are altering their policy frameworks: 1) the interaction between monetary and financial stability policies, 2) nonconventional monetary policy, 3) risk manage...

  13. Auditing and bank capital regulation

    OpenAIRE

    Edward Simpson Prescott

    2004-01-01

    Auditing is introduced into a model of bank capital regulation. Deterministic and stochastic auditing strategies are studied. Contrary to intuition, auditing of bank risk should be focused on the safest banks because they hold the least amount of capital. Risky banks, which hold more capital, need to be audited less. The importance of auditing by regulators and penalties for non-compliance are discussed in light of the Basel II capital regulation proposals. Emphasis is placed on the importanc...

  14. The role of char and tar in determining the gas-phase partitioning of nitrogen during biomass gasification

    International Nuclear Information System (INIS)

    Broer, Karl M.; Brown, Robert C.

    2015-01-01

    Highlights: • Switchgrass was gasified at an equivalence ratio of zero and 650–850 °C. • Short residence times were employed to minimize secondary reactions. • Char- and tar-bound nitrogen, NH 3 , HCN, and N 2 were all significant products. • Increasing temperature leads to increased release of gaseous nitrogen compounds. • Kinetic models of gasification should include nitrogen release from char and tar. - Abstract: Gasification is an attractive option for converting biomass into fuels and chemicals. Most biomass contains significant amounts of fuel-bound nitrogen (FBN), which partially converts into ammonia (NH 3 ) and hydrogen cyanide (HCN) during gasification. These nitrogen compounds are problematic as they can lead to NO X emissions or catalyst poisoning in downstream applications of syngas. FBN can convert to other products as well, including diatomic nitrogen (N 2 ), char-bound nitrogen (char-N), and tar-bound nitrogen (tar-N). Efforts to predict concentrations of NH 3 and HCN have been hindered by a lack of accurate, comprehensive measurements of nitrogen partitioning among gasification products. The present study gasified switchgrass under allothermal, short residence time conditions and measured NH 3 , HCN, char-N, and tar-N as a function of temperature in the range of 650–850 °C with diatomic nitrogen determined by difference. It was found that a major portion of FBN was retained in the char and tar products. As temperature was increased, char and tar were consumed, releasing nitrogen as gaseous NH 3 and HCN. This increase in undesirable nitrogen compounds is contrary to the predictions of most gasification models, which overlook the presence of significant nitrogen in char and tar even if they include tar cracking and char gasification reactions. The results of this study demonstrate that gas-phase reactions alone are not sufficient to predict the fate of nitrogen during gasification. In order for modeling efforts to obtain more accurate

  15. THE EUROPEAN BANKING UNION AND ROMANIA. THE IMPACT OF THE NEW EUROPEANLEGAL FRAME ON THE ROMANIAN FINANCIAL AND BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Dan-Adrian Cărămidariu

    2014-11-01

    Full Text Available The paper studies from a legal and economical perspective the European Banking Union, the latest set of measures adopted by the European Union in order to assure the stability of Europe’s financial and banking system and to prevent future crises. At the same time, the paper analyzes the influence this new institutional and legal mechanism could have on the Romanian financial and banking system, if our country is to take part in the European Banking Union. The paper will discuss the four European legal texts, namely the EU Regulation No 575/2013 and the three directives concerning the capital requirements for the banking system, the recovery and resolution of credit institutions and the deposit guarantee schemes, which, together, set up the European Banking Union’s legal frame. Further, the paper will study the implementation and the transposition of these European provisions into national law. The study’s conclusions will take into consideration the advantages and disadvantages connected to Romania’s participation to the European Banking Union, by showing that, in the context of the introduction of the single currency, the participation to the Banking Union is a necessary exercise.

  16. 78 FR 38978 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-28

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  17. 75 FR 67969 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-04

    ... Doc No: 2010-27868] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control... of a bank or bank holding company. The factors that are considered in acting on the notices are set...

  18. 77 FR 58141 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-19

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  19. 76 FR 75548 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-12-02

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  20. 76 FR 75882 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-12-05

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  1. 78 FR 300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-03

    ...: 2012-31575] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12... bank or bank holding company. The factors that are considered in acting on the notices are set forth in...

  2. 77 FR 37406 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-21

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  3. 77 FR 27458 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-10

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank ] or bank holding company. The factors...

  4. 77 FR 19665 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-04-02

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  5. 77 FR 58379 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-20

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  6. 75 FR 71130 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-22

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  7. 76 FR 32361 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-06-06

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  8. 77 FR 73031 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-07

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  9. 77 FR 3475 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-24

    ... No: 2012-1314] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control... bank or bank holding company. The factors that are considered in acting on the notices are set forth in...

  10. 78 FR 35271 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-12

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  11. 77 FR 60118 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-02

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  12. 78 FR 45535 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-29

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  13. 77 FR 16839 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-22

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  14. 77 FR 9250 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-02-16

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  15. 78 FR 76305 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-17

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  16. 78 FR 41929 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-12

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  17. 75 FR 51814 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-08-23

    ... No: 2010-20809] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control... a bank or bank holding company. The factors that are considered in acting on the notices are set...

  18. 78 FR 3897 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-17

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  19. 75 FR 53968 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-09-02

    ... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  20. 76 FR 19099 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-04-06

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  1. 77 FR 4323 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-27

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  2. 75 FR 39016 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-07-07

    ... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  3. 76 FR 72205 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-11-22

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  4. 78 FR 49268 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-13

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  5. 76 FR 40730 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-11

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  6. 75 FR 9414 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-03-02

    ... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  7. 78 FR 13877 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-03-01

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  8. 77 FR 68121 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-15

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  9. 77 FR 54917 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-06

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  10. 75 FR 70262 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-17

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  11. 78 FR 27389 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-05-10

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  12. 78 FR 43883 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-22

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  13. 77 FR 66463 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-05

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  14. 78 FR 62301 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-15

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  15. 77 FR 50689 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-08-22

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  16. 77 FR 33459 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-06

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  17. 78 FR 39729 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-02

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  18. 76 FR 23599 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-04-27

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  19. 75 FR 5322 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-02-02

    ... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  20. 78 FR 3425 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-16

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  1. 75 FR 33810 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-15

    ... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  2. 75 FR 3904 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-01-25

    ... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  3. 78 FR 51726 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-21

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  4. 77 FR 31612 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-29

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  5. 78 FR 53457 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-29

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  6. 77 FR 43824 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-26

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  7. 77 FR 72864 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-06

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  8. 76 FR 10595 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-02-25

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  9. 76 FR 10899 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-02-28

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  10. 75 FR 71440 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-23

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  11. 77 FR 34385 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-11

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  12. 76 FR 81939 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-12-29

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  13. 75 FR 77876 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-12-14

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  14. 78 FR 76834 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-19

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  15. 77 FR 16223 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-20

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  16. 76 FR 70722 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-11-15

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  17. 77 FR 60702 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-04

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  18. 77 FR 64801 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-23

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  19. 77 FR 284 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-04

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  20. 78 FR 24747 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-26

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  1. 75 FR 54148 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-09-03

    ... Doc No: 2010-22050] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank... acquire a bank or bank holding company. The factors that are considered in acting on the notices are set...

  2. Teaching Bank Runs through Films

    Science.gov (United States)

    Flynn, David T.

    2009-01-01

    The author advocates the use of films to supplement textbook treatments of bank runs and panics in money and banking or general banking classes. Modern students, particularly those in developed countries, tend to be unfamiliar with potential fragilities of financial systems such as a lack of deposit insurance or other safety net mechanisms. Films…

  3. Bank Relationship and Firm Profitability

    NARCIS (Netherlands)

    Degryse, H.A.; Ongena, S.

    2000-01-01

    This paper examines how bank relationships affect firm performance. An empirical implication of recent theoretical models is that firms maintaining multiple bank relationships are less profitable than their single-bank peers. We investigate this empirical implication using a data set containing

  4. Islamic economics, banking and finance.

    OpenAIRE

    Dastgir, Shabbir

    2015-01-01

    The normal operations of commercial banks in Western economies do not conform to the religious requirements of the Islamic faith. In this article, Shabbir Dastgir explores the differences and outlines how the worldwide industry in Islamic\\ud banking has developed new banking practices.

  5. Determinants of bank profitability: Evidence from the Greek banking sector

    Directory of Open Access Journals (Sweden)

    Alexiou Constantinos

    2009-01-01

    Full Text Available This paper investigates the effects of bank-specific and macroeconomic determinants of bank profitability, using an empirical framework that incorporates the traditional Structure-Conduct- Performance (SCP hypothesis. A panel data approach has been adopted and effectively applied to six Greek banks. The evidence generated suggests that for any consistent or systematic size the profitability relationship is relatively weak. Most of the bank-specific determinants were found to significantly affect bank profitability. A more ambiguous picture emerged when the macroeconomic factors were considered.

  6. Contribution of Internet Banking toward Profitability of Banking in India

    Directory of Open Access Journals (Sweden)

    Majid Karimzadeh

    2015-12-01

    Full Text Available The adoption of the Internet in the banking industry on the one hand is closely related to a change in the structure of the organization and nature of operations in banking industry itself, and on the other hand, to the emergence of computer as a significant organizational tool. Banks have always been starving to introduce new technologies to reduce operational costs and expand their businesses. This study is an attempt to investigate the contribution of Internet banking on the performance of the banking system in India. Return on Assets (ROA and Return on Equity (ROE ratios are used to test this effect. The regression analysis showed that there is a significant effect of Internet banking services on the profitability of banks in terms of ROA and ROE in India.

  7. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

    Predetermined, operational procedures for dealing with banks in distress are conspicuously absent across the world with very few exceptions. Instead governments and regulatory authorities intervene when banks approach failure. Bail-outs of important creditors, sometimes including shareholders......, and blanket guarantees for creditors become the norm. We argue that efficient incentives of banks' creditors, as well as of shareholders and managers, require predetermined rules for dealing with banks in distress, and a group of creditors that are credibly non-insured. Cross-border banking increases the need...... for pre-determined bank insolvency procedures that could enable banks to expand cross-border in branches. In the empirical part we show that credibility of non-insurance is maximized with a partial deposit insurance scheme, and that the coverage can be decreased if effective rule-based distress resolution...

  8. Class I cultural resource overview for oil shale and tar sands areas in Colorado, Utah and Wyoming.

    Energy Technology Data Exchange (ETDEWEB)

    O' Rourke, D.; Kullen, D.; Gierek, L.; Wescott, K.; Greby, M.; Anast, G.; Nesta, M.; Walston, L.; Tate, R.; Azzarello, A.; Vinikour, B.; Van Lonkhuyzen, B.; Quinn, J.; Yuen, R.; Environmental Science Division

    2007-11-01

    In August 2005, the U.S. Congress enacted the Energy Policy Act of 2005, Public Law 109-58. In Section 369 of this Act, also known as the 'Oil Shale, Tar Sands, and Other Strategic Unconventional Fuels Act of 2005', Congress declared that oil shale and tar sands (and other unconventional fuels) are strategically important domestic energy resources that should be developed to reduce the nation's growing dependence on oil from politically and economically unstable foreign sources. The Bureau of Land Management (BLM) is developing a Programmatic Environmental Impact Statement (PEIS) to evaluate alternatives for establishing commercial oil shale and tar sands leasing programs in Colorado, Wyoming, and Utah. This PEIS evaluates the potential impacts of alternatives identifying BLM-administered lands as available for application for commercial leasing of oil shale resources within the three states and of tar sands resources within Utah. The scope of the analysis of the PEIS also includes an assessment of the potential effects of future commercial leasing. This Class I cultural resources study is in support of the Draft Oil Shale and Tar Sands Resource Management Plan Amendments to Address Land Use Allocations in Colorado, Utah, and Wyoming and Programmatic Environmental Impact Statement and is an attempt to synthesize archaeological data covering the most geologically prospective lands for oil shale and tar sands in Colorado, Utah, and Wyoming. This report is based solely on geographic information system (GIS) data held by the Colorado, Utah, and Wyoming State Historic Preservation Offices (SHPOs). The GIS data include the information that the BLM has provided to the SHPOs. The primary purpose of the Class I cultural resources overview is to provide information on the affected environment for the PEIS. Furthermore, this report provides recommendations to support planning decisions and the management of cultural resources that could be impacted by future

  9. Study of the composition of tars produced from blends of coal and polyethylene wastes using high-performance liquid chromatography.

    Science.gov (United States)

    Díez, M A; Alvarez, R; Gayo, F; Barriocanal, C; Moinelo, S R

    2002-02-01

    Tars produced at semi-industrial scale in a coke oven of 6 x 10(3) kg capacity were used to investigate the effect of using polyethylene waste as an additive in the carbonization process with coal. The polyethylene wastes used were low-density polyethylene from the agriculture greenhouses and high-density polyethylene from domestic sources. The high-performance liquid chromatography analysis of the soluble fractions in toluene and carbon disulfide, using two polystyrene-divinylbenzene columns and a mixture of dichloromethane-methanol as a mobile phase, provides useful information on the composition of tars and their derived pitches in terms of the substitution and molecular topology of polynuclear aromatic compounds (PACs). Differences in composition of tars produced with polyethylene waste at 1% (w/w) have been found to be negligible, while a higher amount of the waste (3%, w/w) promoted the formation of peri-condensed PACs at the expense of the substituted cata-condensed PACs. This behaviour is due to more extensive secondary reactions of tar precursors via dealkylation and aromatic condensation taking place during the carbonization process as a consequence of a more viscous co-carbonizing system. Changes in tar composition caused by this amount of polyethylene waste addition were comparable to those promoted by an increase in the carbonization temperature at semi-industrial and industrial ovens and by the coal preheating before the carbonization process. The characteristic features in tar composition were also found for the derived pitches from tars obtained with the polyethylene waste addition.

  10. 12 CFR 204.121 - Bankers' banks.

    Science.gov (United States)

    2010-01-01

    ... Federal Home Loan Bank, or in the National Credit Union Administration Central Liquidity Facility if the... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Bankers' banks. 204.121 Section 204.121 Banks... REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D) Interpretations § 204.121 Bankers' banks. (a)(1) The...

  11. Machine-smoking studies of cigarette filter color to estimate tar yield by visual assessment and through the use of a colorimeter.

    Science.gov (United States)

    Morton, Michael J; Williams, David L; Hjorth, Heather B; Smith, Jennifer H

    2010-04-01

    This paper explores using the intensity of the stain on the end of the filter ("filter color") as a vehicle for estimating cigarette tar yield, both by instrument reading of the filter color and by visual comparison to a template. The correlation of machine-measured tar yield to filter color measured with a colorimeter was reasonably strong and was relatively unaffected by different puff volumes or different tobacco moistures. However, the correlation of filter color to machine-measured nicotine yield was affected by the moisture content of the cigarette. Filter color, as measured by a colorimeter, was generally comparable to filter extraction of either nicotine or solanesol in its correlation to machine-smoked tar yields. It was found that the color of the tar stain changes over time. Panelists could generally correctly order the filters from machine-smoked cigarettes by tar yield using the intensity of the tar stain. However, there was considerable variation in the panelist-to-panelist tar yield estimates. The wide person-to-person variation in tar yield estimates, and other factors discussed in the text could severely limit the usefulness and practicality of this approach for visually estimating the tar yield of machine-smoked cigarettes. Copyright 2009 Elsevier Inc. All rights reserved.

  12. Effect of tar fractions from coal gasification on nickel-yttria stabilized zirconia and nickel-gadolinium doped ceria solid oxide fuel cell anode materials

    Science.gov (United States)

    Lorente, E.; Berrueco, C.; Millan, M.; Brandon, N. P.

    2013-11-01

    The allowable tar content in gasification syngas is one of the key questions for the exploitation of the full potential of fuel cell concepts with integrated gasification systems. A better understanding of the interaction between tars and the SOFC anodes which leads to carbon formation and deposition is needed in order to design systems where the extent of gas cleaning operations is minimized. Model tar compounds (toluene, benzene, naphthalene) have been used in experimental studies to represent those arising from biomass/coal gasification. However, the use of toluene as a model tar overestimates the negative impact of a real gasification tar on SOFC anode degradation associated with carbon formation. In the present work, the effect of a gasification tar and its distillation fractions on two commercially available fuel cell anodes, Ni/YSZ (yttria stabilized zirconia) and Ni/CGO (gadolinium doped ceria), is reported. A higher impact of the lighter tar fractions was observed, in terms of more carbon formation on the anodes, in comparison with the whole tar sample. The characterization of the recovered tars after contact with the anode materials revealed a shift towards a heavier molecular weight distribution, reinforcing the view that these fractions have reacted on the anode.

  13. Site-selective probing of cTAR destabilization highlights the necessary plasticity of the HIV-1 nucleocapsid protein to chaperone the first strand transfer

    Science.gov (United States)

    Godet, Julien; Kenfack, Cyril; Przybilla, Frédéric; Richert, Ludovic; Duportail, Guy; Mély, Yves

    2013-01-01

    The HIV-1 nucleocapsid protein (NCp7) is a nucleic acid chaperone required during reverse transcription. During the first strand transfer, NCp7 is thought to destabilize cTAR, the (−)DNA copy of the TAR RNA hairpin, and subsequently direct the TAR/cTAR annealing through the zipping of their destabilized stem ends. To further characterize the destabilizing activity of NCp7, we locally probe the structure and dynamics of cTAR by steady-state and time resolved fluorescence spectroscopy. NC(11–55), a truncated NCp7 version corresponding to its zinc-finger domain, was found to bind all over the sequence and to preferentially destabilize the penultimate double-stranded segment in the lower part of the cTAR stem. This destabilization is achieved through zinc-finger–dependent binding of NC to the G10 and G50 residues. Sequence comparison further revealed that C•A mismatches close to the two G residues were critical for fine tuning the stability of the lower part of the cTAR stem and conferring to G10 and G50 the appropriate mobility and accessibility for specific recognition by NC. Our data also highlight the necessary plasticity of NCp7 to adapt to the sequence and structure variability of cTAR to chaperone its annealing with TAR through a specific pathway. PMID:23511968

  14. Tar removal from biomass gasification streams: processes and catalysts; Remocao do alcatrao de correntes de gaseificacao de biomassa: processos e catalisadores

    Energy Technology Data Exchange (ETDEWEB)

    Quitete, Cristina P.B. [Centro de Pesquisa e Desenvolvimento Leopoldo Americo Miguez de Mello (CENPES/PETROBRAS), Rio de Janeiro, RJ (Brazil). Processos de Conversao de Biomassa; Souza, Mariana M.V.M., E-mail: mmattos@eq.ufrj.br [Universidade Federal do Rio de Janeiro (UFRJ), RJ (Brazil). Centro de Tecnologia. Escola de Quimica

    2014-07-01

    Biomass gasification is a technology that has attracted great interest in synthesis of biofuels and oxo alcohols. However, this gas contains several contaminants, including tar, which need to be removed. Removal of tar is particularly critical because it can lead to operational problems. This review discusses the major pathways to remove tar, with a particular focus on the catalytic steam reforming of tar. Few catalysts have shown promising results; however, long-term studies in the context of real biomass gasification streams are required to realize their potential. (author)

  15. Ownership concentration and bank profitability

    Directory of Open Access Journals (Sweden)

    Peterson Kitakogelu Ozili

    2017-12-01

    Full Text Available We investigate whether ownership concentration influences bank profitability in a developing country context. We focus on bank ownership concentration measured as the amount of direct equity held by a majority shareholder categorised into: high ownership concentration, moderate ownership concentration and disperse ownership. We find that banks with high ownership concentration have higher return on assets, higher net interest margin and higher recurring earning power while banks with dispersed ownership have lower return on assets but have higher return on equity. Also, higher cost efficiency improves the return on assets of widely-held banks and the return on equity of banks with moderate ownership. The findings have implications. JEL: Code: G3, G34, G31, Keywords: Corporate governance, Ownership structure, Agency theory, Profitability, Firm performance, Banks, Return on asset, Return on equity

  16. Can taxes tame the banks?

    DEFF Research Database (Denmark)

    Devereux, Michael P.; Johannesen, Niels; Vella, John

    In the wake of the financial crisis, a number of countries have introduced levies on bank borrowing with the aim of reducing risk in the financial sector. This paper studies the behavioral responses to the bank levies and evaluates the policy. We find that the levies induced banks to borrow less...... but also to hold more risky assets. The reduction in funding risk clearly dominates for banks with high capital ratios but is exactly offset by the increase in portfolio risk for banks with low capital ratios. This suggests that while the levies have reduced the total risk of relatively safe banks......, they have done nothing to curb the risk of relatively risky banks, which presumably pose the greatest threat to financial stability...

  17. INFORMATION FROM THE BANK

    CERN Multimedia

    1999-01-01

    The UBS will be integrating its two computer platforms during the weekend of 24 April.This operation involves changing your account card and Eurocheque card, which will be sent to you by post.Those who receive their bank correspondence at CERN may obtain their codes from the branch there.The security and rapidity of this procedure will be helped by the presentation of an identity document.Despite the precautions taken, problems may be experienced with the operation of the cash-points during that weekend.The bank's staff would like to offer apologies in advance for any difficulties and are at your disposal for any information you may need.UBS

  18. Danske Bank vildleder

    DEFF Research Database (Denmark)

    Ravn, Ib

    2014-01-01

    EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og stærktmed......EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og...

  19. GenBank.

    OpenAIRE

    Benson, D; Lipman, D J; Ostell, J

    1993-01-01

    The GenBank sequence database has undergone an expansion in data coverage, annotation content and the development of new services for the scientific community. In addition to nucleotide sequences, data from the major protein sequence and structural databases, and from U.S. and European patents is now included in an integrated system. MEDLINE abstracts from published articles describing the sequences provide an important new source of biological annotation for sequence entries. In addition to ...

  20. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, G.; Meiklejohn, S.

    2016-01-01

    Current cryptocurrencies, starting with Bitcoin, build a decentralized blockchain-based transaction ledger, maintained through proofs-of-work that also serve to generate a monetary supply. Such decentralization has benefits, such as independence from national political control, but also significant limitations in terms of computational costs and scalability. We introduce RSCoin, a cryptocurrency framework in which central banks maintain complete control over the monetary supply, but rely on...