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Sample records for santa lucia bank

  1. Proposed of Urban Expansion to Santa Lucia-SP Municipality

    Directory of Open Access Journals (Sweden)

    Daniel José Campesan

    2017-09-01

    Full Text Available The Improper planning of urban expansion has caused environmental and social imbalances. Therefore, there is a need for strategies that can guide the sustainable development of cities. This study aimed to develop a map of suitable areas for urban expansion to the municipality of Santa Lucia - SP. For the preparation of the database, georeferenced municipality in ArcGIS software, was adopted the geographic projection system Universal Transverse Mercator, Zone 23 South, datum SIRGAS 2000. It was hold the multi-criteria analysis of slope information, distance to water bodies, per capita income, population density, growth side, distance from urban area and use and land cover for the generation of the expansive capability map. Based on these results, it was possible to consider that the expansion of the urban area should follow the west side following the counterpoint of the current.

  2. DIAGNOSTICA PER IMMAGINI DI UN CAPOLAVORO DI CARAVAGGIO IMMAGINI OLTRE IL VISIBILE PER IL SEPPELLIMENTO DI SANTA LUCIA PROVENIENTE DALLA CHIESA DI SANTA LUCIA AL SEPOLCRO DI SIRACUSA

    Directory of Open Access Journals (Sweden)

    Fernanda Prestileo

    2012-04-01

    Full Text Available

    Il 28 maggio 1606 Michelangelo Merisi fugge da Roma dove non fará mai piú ritorno; l’ultimo duello gli è costato la condanna a morte. Iniziano per lui gli anni della latitanza, anni che trascorrerá tra Napoli, Malta e la Sicilia. Nel suo passaggio in Sicilia, Caravaggio realizza dipinti di eccezionale qualitá, sicuramente tra i piú belli della sua breve e intensa esistenza. Nell’isola l’artista arriva nell’ottobre del 1608, dopo l’ennesima fuga, questa volta da Malta. La sua prima tappa siciliana è Siracusa, dove vive un artista suo amico: Mario Minniti. Da lui trova riparo e lavoro perché dipinge su commissione una grande tela per la chiesa di Santa Lucia al Sepolcro, Il Seppellimento di Santa Lucia, realizzata in un breve lasso di tempo, trasferendosi Caravaggio a Messina nel dicembre dello stesso anno.

     

    Diagnostic campaign on Caravaggio’s painting

    The Assessorato dei Beni Culturali e dell’Identità Siciliana, Diparti-mento dei Beni Culturali e  dell'Identitá Siciliana, Regione Siciliana (i nomi italiani tutti in corsivo has carried out a diagnostic cam-paign on the painting Il Seppellimento di Santa Lucia (oil on canvas, 1608 by Michelangelo Merisi da Caravaggio, in order to evaluate the state of conservation of the work of art before its return to Syracu-se, in the Church of S. Lucia al Sepolcro (the original placing from which the painting was removed at the end of the Seventies due to the unsuitable and unstable environment conditions of the exhibi-tion area, which inevitably led to its bad conservation conditions. The diagnostic campaign has been carried out in situ with portable instruments, for a one-month period, during the open exhibition in the Regional Gallery of Sicily of Palazzo Abatellis in Palermo, where the painting has temporarily been displayed in 2006. The investigations were aimed at having a deeper knowledge of the work of art with reference

  3. Millennial-scale Denudation Rates of the Santa Lucia Mountains, CA: Implications for Landscape Thresholds from a Steep, High Relief, Coastal Mountain Range

    Science.gov (United States)

    Young, H.; Hilley, G. E.; Kiefer, K.; Blisniuk, K.

    2015-12-01

    We report new, 10-Be-derived denudation rates measured from river sands in basins of the Santa Lucia Range, central California. The Santa Lucia Mountains of the California Coast Range are an asymmetrical northwest-southeast trending range bounded by the San Gregorio-Hosgri (SG-HFZ ) and Rinconada-Reliz faults. This area provides an additional opportunity to analyze the relationships between topographic form, denudation rates, and mapped underlying geologic substrate in an actively deforming landscape. Analysis of in situ-produced 10-Be from alluvial sand samples collected in the Santa Lucia Mountains has yielded measurements of spatially varying basin-scale denudation rates. Despite the impressive relief of the Santa Lucia's, denudation rates within catchments draining the coastal side of the range are uniformly low, generally varying between ~90 m/Myr and ~350 m/Myr, with one basin eroding at ~500 m/Myr. Preliminary data suggest the lowest erosion rates are located within the northern interior of the range in sedimentary and granitic lithologies, while higher rates are located directly along the coast in metasedimentary bedrock. This overall trend is punctuated by a single high denudation rate, which is hosted by a watershed whose geometry suggests that it previously has, and continues to experience divide migration as it captures the adjacent watershed's area. Spatial distribution of basins with higher denudation rates is inferred to indicate a zone of uplift adjacent to the SG-HFZ. We compare erosion rates to basin mean channel steepness index, extracted from a 10 m digital elevation model. Denudation rate generally increases with channel steepness index until ~250 m/Myr, at which point the relationship becomes invariant, suggesting a non-linear erosion model may best characterize this region. These hypotheses will be tested further as additional denudation rate results are analyzed.

  4. Partial pressure (or fugacity) of carbon dioxide, dissolved inorganic carbon, pH, alkalinity, salinity and other variables collected from underway - surface observations using Carbon dioxide (CO2) gas analyzer, Shower head chamber equilibrator for autonomous carbon dioxide (CO2) measurement and other instruments from the SANTA LUCIA and Santa Maria in the Caribbean Sea, English Channel and others from 2002-02-22 to 2007-12-22 (NODC Accession 0110259)

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — NODC Accession 0110259 includes biological, chemical, meteorological, physical and underway - surface data collected from SANTA LUCIA and Santa Maria in the...

  5. Il rudere della chiesa di Santa Lucia alla Marina di Cagliari. Architettura, archeologia e storia dell’arte per il recupero di un luogo della città medievale

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    Marco Cadinu

    2012-06-01

    The Saint Lucia church, located in the Marina suburb of Cagliari, is a ruin. To conserve the monument, an important effort is needed to understand the history of its architecture, a hypothetical previous church, and the cultural stratification of the surrounding area. The few architectural elements that still exist from the 17th century reconstruction interpret a characteristic late Renaissance and Controriforma style. In middle age the Santa Lucia site was in a strategic position, located close to the merchants port and the possessions of the Archbishop and the Judges of Cagliari. Ancient documents and modern analyses reveal a new image of Santa Lucia and its cultural impact. This study precedes the imminent archaeological excavation of the medieval strata and, later, the underlying Roman town.

  6. St. Lucia.

    Science.gov (United States)

    1987-06-01

    The population of St Lucia was 123,000 in 1986, with an annual growth rate of 2%. The infant mortality rate stands at 22.2/1000 live births, and life expectancy is 70.3 years for males and 74.9 years for females. The literacy rate is 78%. St Lucia's labor force is allocated as follows: agriculture, 36.6%; industry and commerce, 20.1%; and services, 18.1%. The gross national product (GNP) was US$146 million in 1985, with an annual growth rate of 3% and a per capita GNP of $1071. St Lucia is a parliamentary democracy modeled on the British Westminster system. The island is divided into 16 parishes and 1 urban area (the capital, Castries). St Lucia is currently a politically stable country, although the high level of youth unemployment is a cause for concern. Ongoing stability may depend on the government's ability to provide services such as jobs and housing. The economy has evolved from a monocrop sugar plantation type to a diversified economy based on agriculture, industry, and tourism. Agriculture, dominated by the banana industry, is characterized by the participation of a large number of small and medium-sized enterprises. Industry is being encouraged through the provision of incentives such as tax rebates. The government is attempting to maintain a sound investment climate through a tripartite dialogue with the private sector and trade unions. Overall economic policy is predicated on the attraction of sound investments, by both local and foreign entities, to accelerate the rate of economic growth, solve the unemployment problem, and generate a solid balance-of-payments position.

  7. 75 FR 4909 - Charter Bank: Santa Fe, New Mexico; Notice of Appointment of Receiver

    Science.gov (United States)

    2010-01-29

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF THE TREASURY Office of Thrift Supervision Charter Bank: Santa Fe, New Mexico; Notice of Appointment of Receiver Notice... sole Receiver for Charter Bank, Santa Fe, New Mexico, (OTS No. 08337) on January 22, 2010....

  8. Acid drainage at the inactive Santa Lucia mine, western Cuba: Natural attenuation of arsenic, barium and lead, and geochemical behavior of rare earth elements

    Energy Technology Data Exchange (ETDEWEB)

    Romero, Francisco Martin, E-mail: fmrch@geologia.unam.mx [Instituto de Geologia, Universidad Nacional Autonoma de Mexico, Ciudad Universitaria, Delegacion Coyoacan, 04510 Mexico D.F. (Mexico); Prol-Ledesma, Rosa Maria; Canet, Carles [Instituto de Geofisica, Universidad Nacional Autonoma de Mexico, Ciudad Universitaria, Delegacion Coyoacan, 04510 Mexico D.F. (Mexico); Alvares, Laura Nunez; Perez-Vazquez, Ramon [Facultad de Geologia y Mecanica, Universidad de Pinar del Rio (Cuba)

    2010-05-15

    A detailed geochemical study was conducted at the inactive Zn-Pb mine of Santa Lucia, in western Cuba. The studied mine-wastes are characterized by high total concentrations of potentially toxic elements (PTE), with average values of 17.4% Fe, 5.47% Ba, 2.27% Pb, 0.83% Zn, 1724 mg/kg As and 811 mg/kg Cu. Oxidation of sulfide minerals in mine-waste dumps and in the open pit produces acid mine effluents (pH = 2.5-2.6) enriched in dissolved SO{sub 4}{sup 2-} (up to 6754 mg/L), Fe (up to 4620 mg/L) and Zn (up to 2090 mg/L). Low pH values (2.5-2.8) and high dissolved concentrations of the same PTE were found in surface waters, up to 1500 m downstream from the mine. Nevertheless, concentrations of As, Ba and Pb in acid mine effluents and impacted surface waters are relatively low: 0.01-0.3 mg/L As, 0.002-0.03 mg/L Ba and 0.3-4.3 mg/L Pb. Analysis by X-ray diffraction and electron microscopy revealed the occurrence of lead-bearing barite and beudantite and the more common solid phases, reported elsewhere in similar environments including Fe-oxyhydroxides, jarosite, anglesite and plumbojarosite. Because the reported solubilities for barite and beudantite are very low under acidic conditions, these minerals may serve as the most important control in the mobility of As, Ba and Pb. In contrast, Fe-oxyhydroxides are relatively soluble under acidic conditions and, therefore, they may have a less significant role in PTE on-site immobilization. Mine-wastes and stream sediments show a light REE (LREE) and middle REE (MREE) enrichment relative to heavy REE (HREE). In contrast, acid mine effluents and surface waters are enriched in HREE relative to LREE. These results suggest that the LREE released during the oxidation of sulfides are captured by secondary (weathering) minerals, while the MREE are removed from the altered rocks. The low concentrations of LREE in acid stream water suggest that these elements can be retained in the sediments more strongly than HREE and MREE. One

  9. CRED REA Algal Assessment, Santa Rosa Bank 2003 (NODC Accession 0010352)

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Twelve quadrats were sampled along 2 consecutively-placed, 25m transect lines as part of Rapid Ecological Assessments conducted at 2 sites at Santa Rosa Bank (off...

  10. CRED REA Fish Team Belt Transect Survey at Santa Rosa Bank, Marianas Archipelago, 2005

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Belt transects along 3 consecutively-placed, 25m transect lines were surveyed as part of Rapid Ecological Assessments conducted at 2 sites at Santa Rosa Bank in the...

  11. CRED REA Fish Team Stationary Point Count Surveys at Santa Rosa Bank, Marianas Archipelago, 2005

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Stationary Point Counts at 4 stations at each survey site were surveyed as part of Rapid Ecological Assessments (REA) conducted at 2 sites around Santa Rosa Bank in...

  12. Biodiversity of the white coral bank off Cape Santa Maria di Leuca (Mediterranean Sea): An update

    Science.gov (United States)

    Mastrototaro, F.; D'Onghia, G.; Corriero, G.; Matarrese, A.; Maiorano, P.; Panetta, P.; Gherardi, M.; Longo, C.; Rosso, A.; Sciuto, F.; Sanfilippo, R.; Gravili, C.; Boero, F.; Taviani, M.; Tursi, A.

    2010-03-01

    The biodiversity of the Santa Maria di Leuca (SML) coral bank is summarized and its description is updated using data collected by means of underwater video systems, benthic samplers and fishing gears. A total of 222 living species have been recorded within the coral bank area in the depth range 280-1121 m. The most abundant benthic taxa recorded are Porifera (36 species) followed by Mollusca (35) and Cnidaria (31). The scleractinian corals Madrepora oculata and Lophelia pertusa are the main colonial species in the structure of the SML bank. Annelida, Crustacea and Bryozoa have been found with 24, 23 and 19 species, respectively. A total of 40 species of demersal fish have been recorded. Other faunal taxa were found with small numbers of species. One hundred and thirty-five species are new for the SML bank, 31 of which represent new records for the north-western Ionian Sea (2 Porifera, 17 Cnidaria, 1 Mollusca, 3 Annelida, 2 Crustacea, 4 Bryozoa and 4 Echinodermata). The finding of the annelid Harmothoë vesiculosa represents the first record for the Mediterranean Sea. The SML coral bank represents a biodiversity "hot-spot" on the bathyal bottoms of the Mediterranean Sea.

  13. LUCIA JOYCE, A MARAFILHA

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    Cláudia Thereza Guimarães de Lemos

    2014-09-01

    Full Text Available  ResumoA escrita de “marvellous” como “marfellows”por Joyce é um artifício que tornapossível à autora deste texto sobrepor a“a maravilha selvagem do pai”, o próprioJoyce, a “amara/amarga filha damãe”, Nora Barnacle, a chamermaid, acamoreira, a camareira do Finn’s Hotel.Essa sobreposição é também a formaescolhida para introduzir o trabalho ejustifica seu título, Lucia Joyce, a marafilha.Dado um tal ponto de partida, oensaio arrisca cruzar o terreno minadoque é o da relação de Lucia e sua mãe,Nora Barnacle. Zona perigosa: adentrá-la significa violar o princípio denatureza tanto teórica quanto ética queimpõe à crítica e até mesmo à historiografialiterárias erguer fronteiras entrevida e obra do autor. Por outro lado,atravessar essas fronteiras com intençõespsicanalíticas, é de fato uma temeridade.Além dos limites transgredidos, podemser endereçadas outras questões à obrade James Joyce e à leitura que Lacanfez dela. 

  14. Festa da Ouriçada e devoção a Santa Luzia na praia de Suape-PE: expressão sincrética e simbólica da biodiversidade e do território de pescadores artesanais (Sea Urching Festival and the devotion to Santa Lucia, on the beach of Suape, Pernambuco.

    Directory of Open Access Journals (Sweden)

    Juana de Oliveira Santos

    2013-06-01

    Full Text Available Festa da Ouriçada e devoção a Santa Luzia na praia de Suape-PE: expressão sincrética e simbólica da biodiversidade e do território de pescadores artesanais (Sea Urching Festival and the devotion to Santa Lucia, on the beach of Suape, Pernambuco - DOI: 10.5752/P.2175-5841.2013v11n30p545Este artigo busca compreender o simbolismo da Festa da Ouriçada em sua fusão com a Festa de Santa Luzia, realizada todo dia de 13 de dezembro, enquanto manifestação da cultura e da religiosidade popular de uma comunidade de pescadores artesanais. Essas festas são protagonizadas há várias gerações pela população que habita a baía de Suape, cujo território é disputado pelo Complexo Industrial do Porto de Suape, o que tem provocado graves impactos ambientais sobre a biodiversidade da área com prejuízo das atividades pesqueiras. Como metodologia optou-se pelo estudo etnográfico com uso da observação participante e entrevistas com ênfase na história de vida, combinado com pesquisa bibliográfica e documental. Ainda considerou-se a memória narrativa como composta por “símbolos que demarcam a identidade de um grupo social” (TEDESCO, 2002, explicitando elementos como “relações sociais, seus vínculos de pertencimento, o significado da natureza biofísica nas suas vidas e o conflito socioambiental vivenciado” (SOUZA, 2009. Palavras-chave: Catolicismo popular. Conflitos territoriais.  Simbolismo. Biodiversidade. Abstract This article aims to understand the symbolism of the Sea Urchin Festival connected with the Saint Luzia Festival, celebrated on December 13, as a cultural and popular religiosity manifestation from a fishermen community. These festivals belong to the people that inhabits the Suape Bay but whose territory is still been disputed by the Industrial Complex of Suape Port that has caused serious environmental impacts over the local biodiversity, thus threatening the fishing activity. The methodology of this research is an

  15. St. Lucia; Debt Sustainability Analysis

    OpenAIRE

    International Monetary Fund

    2003-01-01

    This paper presents a debt sustainability analysis for St. Lucia. The medium-term scenario prepared by the IMF staff assumes continued fiscal consolidation and thus is compatible with sustainable debt levels even in the presence of adverse economic shocks. Stress tests show that stabilizing the debt/GDP ratio for the public sector at around the levels prevailing in 2002/03 would allow the absorption of economic shocks without generating unstable debt dynamics. Most temporary shocks would, how...

  16. Negligencia en la Educacion de Estudiantes Mexico-Americanos en el Distrito Escolar Unificado Lucia Mar, Pismo Beach, California. (Educational Neglect of Mexican-American Students in Lucia Mar Unified School District, Pismo Beach, California.)

    Science.gov (United States)

    California State Advisory Committee to the United States Commission on Civil Rights.

    California State Advisory Committee (SAC) of the U.S. Commission on Civil Rights held hearings in Santa Maria, California (May 20, 1972) to collect information on civil rights problems of Mexican American students in the Lucia Mar School District. Major issues were community complaints about the arrest of 26 Mexican American students and some…

  17. Profile of Heart Donors from the Human Valve Bank of the Santa Casa de Misericórdia de Curitiba.

    Science.gov (United States)

    Ferreira, Renata Maria; Costa, Marise Teresinha Brenner Affonso da; Canciglieri Junior, Osiris; Sant'Anna, Ângelo Márcio Oliveira

    2016-04-01

    Human heart valves are used as replacement valves and have satisfactory functional results compared with conventional prostheses. Characterize the profile of effective heart donors from the human valve bank of the santa casa de misericórdia de curitiba and analyze the association between the profile variables. It consists of a retrospective and quantitative study of electronic medical records from heart donors for heart valves. every heart donation made to the bank between january 2004 and december 2014 was studied. 2,149 donations were analyzed, from donors aged 0 to 71 years old, with an average of 34.9 ± 15.03 years old. most donors were male 65.7% (n=1,411) and 34.3% (n=738) were female. among the most frequent causes of the donors' death are trauma at 53% (n=1,139) and cerebral vascular accident at 34.2% (n=735). there was significant statistical association between the analyzed variables. There has been an improvement in brazil's donation rate, being essential that the tissue banks work together with the state and federal district centers for notification, procurement and distribution of organs in order to increase the number of donors.

  18. Le atmosfere di Lucia Romualdi

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    Matilde Amaturo

    2014-07-01

    Full Text Available Lucia Romualdi is an artist active since the 70s in the context of conceptual art. Since 1989 she has been working to a close dialogue with musical languages. Her oeuvreis basically focuses on the relationship between space, music and light, and so she creates performances made of optical equipments which turn on and off according to musical rhythms, that are taken not only from original sound scores, but also from old movies soundtracks and thatare mostly structured on the reading of mathematical rules of solids and voids which do inspire her extremely unusual selected locations. Golden measures, music and sea are her main topics. The sea, in particular, is the element that merges Lucia Romualdi’s artistic journeys, always symbolically marked by the numbers of harbour tides, or through the projection of minimal digital images from old movies and/or showing sea animals taken from ancient manuscripts and printed books. The real structure of the places changes, and it is perceived in a total, complete emotional immersion, measured by mathematical and musical scores, too. You just have to be dazzled by such very personal atmospheres whether in Malibu, Chicago, Antwerp, Prato, Naples, Rome or Samorin. The artist let the visitor be an active protagonist of the visual experience, and he himself is required to establish a connection, apparently indefinite, which becomes certain in that time. The performance concretely experienced by the visitor, by his own hearing and viewing, with his total physical immersion in a not tangible but special space, transcends the architectural context; and only in this way it provides him a contact, a fusion of physical awareness and sentimental emotion, which throws the visitor in a field that is ‘other’, and therefore different.

  19. Kolmapäeval kroonitakse Raekoja platsil Lucia

    Index Scriptorium Estoniae

    2006-01-01

    Püha Lucia ehk luutsinapäeval kroonitakse heade jõulude kehastaja ja soojuse ning valguse tooja Lucia. Krooni valmistas Rootsi suursaatkonna algatatud konkursi võitja Sandra Savelli Eesti Kunstiakdeemiast

  20. 27 CFR 9.139 - Santa Lucia Highlands.

    Science.gov (United States)

    2010-04-01

    ... (photorevised 1984) (5) Soledad, Calif., 1955 (photorevised 1984) (6) Sycamore Flat, Calif., 1956 (photorevised... boundary follows Limekiln Creek for approximately 1.25 miles northeast to the 100 foot elevation. (2) Then following the 100 foot contour in a southeasterly direction for approximately 1 mile, where the...

  1. IL SEPPELLIMENTO DI S. LUCIA CARAVAGGIO E LA BIBLIOTECA DIGITALE

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    Francesca Salvemini

    2012-04-01

    Full Text Available

    Tra reificazione e anastilosi documentale, interpretazione dei pittori che copiarono e restaurarono le sue opere, astrazione di antiquari e bibliofili, il recupero del bene artistico e culturale in un indice bibliografico della fortuna del Seppellimento di S. Lucia, dipinto sulla tela a grande formato, a grandezza naturale. Nel sistema iconclassl’indimenticabile avventura del ‘brutto’, né falso né vero nel viaggio in Italia tra le rovine, fra eventi catastrofici e conservazione. Fruizione, estrapolazione ed incetta del mercato, la flagranza  dell’autografia inedita nel sublime: l’irreparabile e l’irreperibile nella cronistoria del gusto. Dall’edizione anastatica, dai microfilms e microfi shes degli originali all’e-book, la riproducibilità della scansione digitale in formato PDF nella storia della ‘legenda’ (avvertenza al lettore: la datazione delle ristampe è affidata all’impronta tipografica.

    The burial of Santa Lucia Caravaggio and the digital library

    Among anastylosis and reassembly and among documental interpretation of the painters who copied and restored his works, and abstraction of antique dealers and bibliophiles, the recovery of an object of art and culture in a bibliography of the luck of the Burial of St. Lucia, painted on large format canvas, on life size. In the Iconclass system the adventure non-objectifi able of the 'ugly', neither true nor false, while traveling through the ruins in Sicily, between the catastrophic events as the earthquakes and the history of restoration and retro-spective conservation of the masterpiece. Over the fruition, and the buying up and the extrapolation of the market, the sublime of the unpublished and flagrante authorship of both through the missed out either through the missing in the history of taste along with the religious feeling. From facsimile editions and original microfilms and micro

  2. Predation of Opuntia monacantha (Willd. Haw. (Cactaceae by Cactoblastis cactorum (Lepidoptera: Pyralidae in a sand bank area of Santa Catarina island, south Brazil

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    Afonso Inácio Orth

    2006-09-01

    Full Text Available The genus Opuntia is worldwide known for its ecological, ornamental and agronomic importance. Some species became pests in the countries in which they where introduced, and as biological control, Cactoblastis cactorum (Lepidoptera: Pyralidae larvae, originary from Argentina, were used. However, the effect of the attack of this piralid on native cactus has yet not been elucidated. The objective of this study was to detect and to quantify the predation of C. cactorum on Opuntia monacantha. The study was carried out from September to November of 2004, along pre-defined tracks, on a sand bank vegetation area, between the Mole and Galheta beaches in the Santa Catarina island (27º35’83.1’’S e 48º25’70.6’’W. All the studied plants (n = 20 presented some damage caused by C. cactorum. The proportion of unpredated cladodes (68% and fruits (85% was higher than the predated ones. Terminal cladodes were highly predated structures and presented the highest number of larvae inside. Seed loss in the predated fruits was high. The remaining areole of the predated cladodes and fruits differentiated into sprouts and routs and formed new plants. O. monacantha, despite of being predated by C. cactorum larvae, apparently possess defense mechanisms which assure the maintenance of its populations.

  3. 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.

  4. The biology of Solea bleekeri (Teleostei) in Lake St Lucia on the southeast coast of Africa

    Science.gov (United States)

    Cyrus, D. P.

    Several aspects of the biology of Solea bleekeri in Lake St Lucia were investigated, these included occurrence, distribution, reproduction and recruitment, food and feeding, size frequency distribution and the role of estuaries in the species' life cycle. Solea bleekeri was found to occur throughout the system in muddy turbid areas and was largely absent from the eastern shores of the lake where clear water sandy substrata occur. The preferred diet of the species was bivalve siphon tips of the species Solon cylindraceus, when these were in abundant supply. However, when numbers of large (length > 20 mm) specimens were not available then S. bleekeri fed on whatever prey was available in or near the substratum. Analysis of stomach contents under the latter conditions showed that food consumption reflected the composition of the benthos. Large numbers of S. bleekeri spend their entire post-larval and juvenile phases as well as the greater part of their adult life within estuaries. Evidence is presented to support the idea that S. bleekeri breeds in certain areas of the lake and that spawning takes place between September and November. The current data suggest that there may be two populations in St Lucia: one migrates from the system to spawn at sea during winter along with the other marine fish species which utilize estuaries as nursery areas, while the other population breeds within the system. Alternatively there may simply be a single population which normally breeds at sea, but which may breed within the system when conditions are suitable. Recruitment of S. bleekeri into the St Lucia estuarine system takes place from the muddy offshore marine banks and possibly from within the system as well. Solea bleekeri appears not to be totally dependent on estuaries for the completion of its life cycle. The advantages of utilizing these systems for their development relate to the shallow, calm, turbid food-rich areas which estuaries offer. The fact that breeding takes

  5. Energy Transition Initiative: Island Energy Snapshot - St. Lucia (Fact Sheet)

    Energy Technology Data Exchange (ETDEWEB)

    2015-02-01

    This profile provides a snapshot of the electricity generation or reduction technologies, including solar hot water heating, available to Saint Lucia, one of six Caribbean countries that make up the Windward Islands - the southern arc of the Lesser Antilles chain - at the eastern end of the Caribbean Sea. Heating and transportation fuels are not addressed.

  6. Elementary Statistics on Trial (the case of Lucia de Berk)

    CERN Document Server

    Gill, Richard D; de Jong, Peter

    2010-01-01

    In the conviction of Lucia de Berk an important role was played by a simple hypergeometric model, used by the expert consulted by the court, which produced very small probabilities of occurrences of certain numbers of incidents. We want to draw attention to the fact that, if we take into account the variation among nurses in incidents they experience during their shifts, these probabilities can become considerably larger. This points to the danger of using an oversimplified discrete probability model in these circumstances.

  7. Reducing Health Disparities and Improving Health Equity in Saint Lucia

    Science.gov (United States)

    Holden, Kisha; Charles, Lisa; King, Stephen; McGregor, Brian; Satcher, David; Belton, Allyson

    2015-01-01

    St. Lucia is an island nation in the Eastern Caribbean, with a population of 179,000 people, where chronic health conditions, such as hypertension and diabetes, are significant. The purpose of this pilot study is to create a model for community health education, tracking, and monitoring of these health conditions, research training, and policy interventions in St. Lucia, which may apply to other Caribbean populations, including those in the U.S. This paper reports on phase one of the study, which utilized a mixed method analytic approach. Adult clients at risk for, or diagnosed with, diabetes (n = 157), and health care providers/clinic administrators (n = 42), were recruited from five healthcare facilities in St. Lucia to assess their views on health status, health services, and improving health equity. Preliminary content analyses indicated that patients and providers acknowledge the relatively high prevalence of diabetes and other chronic illnesses, recognize the impact that socioeconomic status has on health outcomes, and desire improved access to healthcare and improvements to healthcare infrastructures. These findings could inform strategies, such as community education and workforce development, which may help improve health outcomes among St. Lucians with chronic health conditions, and inform similar efforts among other selected populations. PMID:26703647

  8. Reducing Health Disparities and Improving Health Equity in Saint Lucia

    Directory of Open Access Journals (Sweden)

    Kisha Holden

    2015-12-01

    Full Text Available St. Lucia is an island nation in the Eastern Caribbean, with a population of 179,000 people, where chronic health conditions, such as hypertension and diabetes, are significant. The purpose of this pilot study is to create a model for community health education, tracking, and monitoring of these health conditions, research training, and policy interventions in St. Lucia, which may apply to other Caribbean populations, including those in the U.S. This paper reports on phase one of the study, which utilized a mixed method analytic approach. Adult clients at risk for, or diagnosed with, diabetes (n = 157, and health care providers/clinic administrators (n = 42, were recruited from five healthcare facilities in St. Lucia to assess their views on health status, health services, and improving health equity. Preliminary content analyses indicated that patients and providers acknowledge the relatively high prevalence of diabetes and other chronic illnesses, recognize the impact that socioeconomic status has on health outcomes, and desire improved access to healthcare and improvements to healthcare infrastructures. These findings could inform strategies, such as community education and workforce development, which may help improve health outcomes among St. Lucians with chronic health conditions, and inform similar efforts among other selected populations.

  9. Reducing Health Disparities and Improving Health Equity in Saint Lucia.

    Science.gov (United States)

    Holden, Kisha; Charles, Lisa; King, Stephen; McGregor, Brian; Satcher, David; Belton, Allyson

    2015-12-22

    St. Lucia is an island nation in the Eastern Caribbean, with a population of 179,000 people, where chronic health conditions, such as hypertension and diabetes, are significant. The purpose of this pilot study is to create a model for community health education, tracking, and monitoring of these health conditions, research training, and policy interventions in St. Lucia, which may apply to other Caribbean populations, including those in the U.S. This paper reports on phase one of the study, which utilized a mixed method analytic approach. Adult clients at risk for, or diagnosed with, diabetes (n = 157), and health care providers/clinic administrators (n = 42), were recruited from five healthcare facilities in St. Lucia to assess their views on health status, health services, and improving health equity. Preliminary content analyses indicated that patients and providers acknowledge the relatively high prevalence of diabetes and other chronic illnesses, recognize the impact that socioeconomic status has on health outcomes, and desire improved access to healthcare and improvements to healthcare infrastructures. These findings could inform strategies, such as community education and workforce development, which may help improve health outcomes among St. Lucians with chronic health conditions, and inform similar efforts among other selected populations.

  10. Saint Lucia's worship by fishermans and sailors in Trapani between 16th and 17th centuries

    Directory of Open Access Journals (Sweden)

    Michele Giacalone

    2006-02-01

    Full Text Available This work is focused on the identification of the whole body of a stony epigraphic and figure document, belonging to the town of Trapani. Up to know this document, of the XVII century, has been considered preserved only partly, and for what regards the prominent remaining part, that was the figure part, it was known only thanks to an Eighteenth century transcription endowed with a drawing. On the one hand, regarding the figure plaque, it is shown the monumental complex which it belongs to i.e. the Church of Santa Lucia in Trapani, today fallen into disuse, in relation to the historical evolution of the urban area of Trapani; on the other hand, it is highlightened its historical-social and historical-religious importance, since it expresses the devotions of the fishermen and seamen social classes of Trapani, who asked this document as memorial of a very lucky coral fishing. The epigraphic and figure text allows to read the most deep-rooted faith trends into some definite social classes of the society of the Trapani society, from the end of the Medieval Age till now. This document can be considered as an extraordinary nautical chart about the whole coast of Trapani, as it equipped with correct indicationsabout distances and paths, and geomorphologic and toponymic exact indications.

  11. Pertussis: herd immunity and vaccination coverage in St Lucia.

    Science.gov (United States)

    Cooper, E; Fitch, L

    1983-11-12

    In a single complete epidemic in St Lucia, an island too small to support constant clinical pertussis, the pertussis case rates in small communities (villages and small towns) with differing levels of vaccination coverage of young children were compared. The association between greater vaccination coverage and greater herd immunity was clear, despite the imperfect protection given to individuals. An analysis in terms of population dynamics is evidence against the theory that endemic subclinical pertussis maintains transmission in a highly vaccinated population. We suggest that with a homogeneous vaccination coverage of 80% of 2-year-old children pertussis might be eradicated from the island, and that this is a practicable experiment.

  12. Psychoanalytic and musical perspectives on shame in Donizetti's Lucia Di Lammermoor.

    Science.gov (United States)

    Nagel, Julie Jaffee

    2008-06-01

    Two disciplines, psychoanalysis and music, are synthesized here with an eye to the origins and vicissitudes of shame and guilt as seen in the emotional disintegration of the eponymous heroine of Donizetti's opera Lucia di Lammermoor. Lucia's affects and her intrapsychic and interpersonal dynamics are heard in the music itself. A psychoanalytic and musical analysis of the opera, taking Lucia's dynamics as a quasi-substitute for clinical material, illuminates the intersections between certain theoretical aspects of the two disciplines. Both manifest and latent themes are expressed through the music of Donizetti's score.

  13. Santa Muerte

    OpenAIRE

    Fraser, A.; The Photographers' Gallery; Trolley Books; Bar-Tur Foundation; Arts Council England

    2015-01-01

    The origins of Santa Muerte - a religion/cult that has been denounced as satanic by the Mexican Catholic Church - can be dated back hundreds of years. It was developed through a syncretism between indigenous Mesoamerican and Spanish Catholic beliefs and practices. Only in the last decade however has it become more predominant in Mexican society, where many commentators have noted its rise with the killing and violence associated with the war between rival drug cartels and the Mexican Governme...

  14. Musicalidade e transmissao da voz: James, John e Lucia Joyce // Musicality and transmission of the voice: James, John and Lucia Joyce

    Directory of Open Access Journals (Sweden)

    Renata Mattos

    2012-06-01

    Full Text Available Este artigo tem como objetivo trabalhar a temática da voz, da música e do traço em James Joyce, seu pai John e sua filha Lucia com o intuito de pensar as diferentes saídas possíveis face à questão do sintoma da carência paterna, seja pela elevação ao sinthoma pela escrita de uma obra literária no caso de Joyce, seja pela tentativa de manejo da voz através da dança, no caso de Lucia. Propomos tomar a escrita de James Joyce naquilo que ela nos oferece para pensar a relação entre uma escrita possível da voz e a invocação ao Pai, detendo-nos na transmissão da voz efetuada nestas três gerações da família Joyce, no que cada um deles pôde, de maneiras singulares, criar face ao real. // The aim of this paper is to work the thematic of the voice, the music and the trait in James Joyce, his father John and his daughter Lucia in order to think about the question of the elevation of the symptom of the lack of the father through the writing of James Joyce in his literary work as well as though the relation of Lucia with the dance. Our proposal is to reflect about the writing of Joyce to think about the relation between a possible writing of the voice and the invocation to the Father, as well as the transmission of the voice made in these three generations of the Joyce family in what each one of them could, in different ways, create guided by the real.

  15. St Lucia is one of the largest estuarine systems in Africa and forms ...

    African Journals Online (AJOL)

    denise

    private boat outings at St Lucia Estuary and Charters. Creek were estimated .... whole system between 1986 and 1999 did not show .... During that time, a total of 175 fish was caught .... on small plankton feeders such as estuarine round-her-.

  16. Genetics and shell morphometrics of assimineids (Mollusca, Caenogastropoda, Truncatelloidea) in the St Lucia Estuary, South Africa.

    Science.gov (United States)

    Miranda, Nelson A F; van Rooyen, Ryan; MacDonald, Angus; Ponder, Winston; Perissinotto, Renzo

    2014-01-01

    The Assimineidae are a family of amphibious microgastropods that can be mostly found in estuaries and mangroves in South Africa. These snails often occur in great numbers and are ecologically important to the St Lucia Estuary, which forms a crucial part of the iSimangaliso Wetland Park, a UNESCO World Heritage Site. Genetic and shell morphometric analyses were conducted on individuals collected from nine localities distributed from the northern lake regions to the southern lake and the mouth of the St Lucia estuarine lake. Mitochondrial (COI) and nuclear (28S) DNA was used to construct Bayesian Inference, Neighbour-joining, Maximum Parsimony and Maximum Likelihood trees. Principal Component Analysis and Cluster Analysis were performed on standard shell parameter data. Results indicate that two different taxa are present in St Lucia. The taxon comprising individuals from the South Lake and St Lucia Estuary Mouth is identified as Assiminea cf. capensis Bartsch, in accordance with the latest taxonomic consensus. The taxon comprising assimineid individuals from False Bay, North Lake and South Lake, is here tentatively named "Assiminea" aff. capensis (Sowerby). These two taxa exhibit patterns of spatial overlap that appear to vary depending on environmental parameters, particularly salinity. The need to resolve the complex taxonomy of assimineids is highlighted.

  17. From Suazoid to folk pottery: pottery manufacturing traditions in a changing social and cultural environment on St. Lucia

    OpenAIRE

    Corinne L. Hofman; Alistair J. Bright

    2004-01-01

    Overview of pottery manufacturing traditions in St Lucia, placed within the island's cultural history from pre-Columbian times up to present Afro-Caribbean folk pottery. Authors focus on manufacturing processes in different cultural traditions through history, looking at raw materials used, the shaping and finishing, decoration, and firing process. First, they sketch St Lucia's habitation history since the first Amerindian settlers in 200 AD, and evidence of pottery, which climaxed in the lat...

  18. Evaluation of the St. Lucia geothermal resource: engineering investigation and cost estimate

    Energy Technology Data Exchange (ETDEWEB)

    Altseimer, J.H.; Edeskuty, F.J.; Taylor, W.B.; Williamson, K.D. Jr.

    1984-08-01

    An engineering and economic study of the development of geothermal energy in St. Lucia has given cost estimates for electricity and process heat produced from the geothermal energy, identified additional industries that are worthy of further examination, and developed methods for examining the economic impact of this new energy source. Costs have been estimated for electricity produced from geothermal energy, by diesel engines used only during peak power demand, by diesel engines producing the total electricity requirement, by an oil-fired steam-power plant, and by a coal-fired steam-power plant. Costs have also been estimated for thermal energy to be used for industrial process heat under various conditions of transport distances, capacity factors, and temperature requirements. Several industries that may be attracted to St. Lucia by the development of geothermal energy have been identified.

  19. An annotated checklist of scale insects (Hemiptera: Coccoidea) of Saint Lucia, Lesser Antilles .

    Science.gov (United States)

    Malumphy, Chris

    2014-07-31

    An annotated list of 83 scale insect species (Hemiptera: Sterorrhyncha: Coccoidea) recorded from Saint Lucia is presented, based on data gathered from UK quarantine interceptions, samples collected in an urban coastal habitat in the North West of the Island in 2013, and published records. Thirty-three species (40%) are recorded for the first time for the country, including Dysmicoccus joannesiae (Costa Lima), a South American mealybug, and Poliaspoides formosana (Takahashi), an Asian armoured scale insect pest of bamboo, which are new for the Caribbean region. The economic, environmental and social impacts caused by introduced exotic species of scale insect are discussed. Two predatory midges Diadiplosis ?coccidivora (Felt) and Diadiplosis multifila (Felt) (Diptera: Cecidomyiidae) are recorded for the first time from Saint Lucia. The latter species was observed causing 90% mortality of a large infestation of passion vine mealybug Planococcus minor (Maskell) on soursop fruit. 

  20. Probability Arguments in Criminal Law - Illustrated by the Case of Lucia de Berk

    Directory of Open Access Journals (Sweden)

    Herman Philipse

    2015-01-01

    Full Text Available Which logic of probability should be applied with regard to factual hypotheses in criminal cases? In this article, I discuss two possible logical reconstructions of the so-called Coincidence Argument, which played a crucial role in the conviction of Lucia de Berk by the Court of Appeal of The Hague (Gerechtshof ’s-Gravenhage in 2004. If the argument is construed as an instance of the Law of Likelihood, nothing follows with regard to the probability that Lucia was a serial killer. If, however, the Argument from Coincidence may be interpreted charitably as an instance of Bayesian updating, the Court of The Hague did not fathom the diversity of the data needed in order to make it sound. Clearly, the Court had an insufficient grasp of the logic involved in the Coincidence Argument. Since this example is not atypical, I recommend law faculties to include probability logic (inter alia in their courses on legal reasoning.

  1. Groundwater-dependent ecology of the shoreline of the subtropical Lake St Lucia estuary

    Science.gov (United States)

    Taylor, Ricky; Kelbe, Bruce; Haldorsen, Sylvi; Botha, Greg A.; Wejden, Bente; Været, Lars; Simonsen, Marianne B.

    2006-02-01

    The ecology of the St Lucia estuary in South Africa is of unique international importance. During droughts the estuary experiences high salinities, with values above that of seawater. Ion-poor groundwater flowing into the estuary from prominent sand aquifers along its eastern shoreline forms low-salinity habitats for salt-sensitive biota. During droughts, plants and animals can take refuge in the groundwater discharge zone until the condition in the estuary regains tolerable salinity. Simulations of the groundwater discharge indicate that the flow can persist during droughts over at least a decade, and be of great important for the resilience of the estuary. Anthropogenic activities have reduced the river inflow and made the St Lucia estuary more sensitive to droughts. The groundwater has thereby become increasingly important for the estuary’s ecology. Protection of the groundwater discharge along the shoreline itself and actions to increase the groundwater recharge are therefore important management tasks.

  2. Anthropogenic impacts on the water and salt budgets of St Lucia estuarine lake in South Africa

    Science.gov (United States)

    Lawrie, Robynne A.; Stretch, Derek D.

    2011-05-01

    Lake St Lucia in South Africa is part of a UNESCO World Heritage site and a Ramsar wetland of international importance. Like many coastal wetlands worldwide, anthropogenic activities including catchment land-use changes, water diversions/abstractions, and manipulation of the mouth state have significantly affected its functioning over the past century. Questions concerning its sustainability have motivated a re-evaluation of management decisions made in the past and of options for the future. A model for the water and salt budgets has therefore been used to investigate "what if" scenarios in terms of past anthropogenic interventions. In particular, simulations allow us to evaluate the effects of diverting the Mfolozi river from St Lucia on the functioning of the system and on the occurrence of various water level/salinity states that drive the biological functioning of the ecosystem. In the past, when the St Lucia estuary and the Mfolozi river had a combined inlet, the mouth was predominantly open. The lake had relatively stable water levels but variable salinities that increased during dry conditions due to evaporative losses and saltwater inflows from the sea. If the mouth closed, the Mfolozi flow was diverted into the lake which reduced salinities and maintained or increased water levels. Simulations indicate that without a link to the Mfolozi the lake system would naturally have a mainly closed inlet with lower average salinities but more variable water levels. During dry conditions water levels would reduce and result in desiccation of large areas of the lake as has recently occurred. We conclude that the artificial separation of the St Lucia and Mfolozi inlets underpins the most significant impacts on the water & salt budget of the lake and that its reversal is key to the sustainability of the system.

  3. Diversity and distribution of polyphagan water beetles (Coleoptera in the Lake St Lucia system, South Africa

    Directory of Open Access Journals (Sweden)

    Matthew S. Bird

    2017-02-01

    Full Text Available Water beetles belonging to the suborder Polyphaga vary greatly in larval and adult ecologies, and fulfil important functional roles in shallow-water ecosystems by processing plant material, scavenging and through predation. This study investigates the species richness and composition of aquatic polyphagan assemblages in and around the St Lucia estuarine lake (South Africa, within the iSimangaliso Wetland Park, a UNESCO World Heritage Site. A total of 32 sites were sampled over three consecutive collection trips between 2013 and 2015. The sites encompassed a broad range of aquatic habitats, being representative of the variety of freshwater and estuarine environments present on the St Lucia coastal plain. Thirty-seven polyphagan taxa were recorded during the dedicated surveys of this study, in addition to seven species-level records from historical collections. Most beetles recorded are relatively widespread Afrotropical species and only three are endemic to South Africa. Samples were dominated by members of the Hydrophilidae (27 taxa, one of which was new to science (Hydrobiomorpha perissinottoi Bilton, 2016. Despite the fauna being dominated by relatively widespread taxa, five represent new records for South Africa, highlighting the poor state of knowledge on water beetle distribution patterns in the region. Wetlands within the dense woodland characterising the False Bay region of St Lucia supported a distinct assemblage of polyphagan beetles, whilst sites occurring on the Eastern and Western Shores of Lake St Lucia were very similar in their beetle composition. In line with the Afrotropical region as a whole, the aquatic Polyphaga of St Lucia appear to be less diverse than the Hydradephaga, for which 68 species were recorded during the same period. However, the results of the present study, in conjunction with those for Hydradephaga, show that the iSimangaliso Wetland Park contains a high beetle diversity. The ongoing and future ecological

  4. Diversity and distribution of polyphagan water beetles (Coleoptera) in the Lake St Lucia system, South Africa

    Science.gov (United States)

    Bird, Matthew S.; Bilton, David T.; Perissinotto, Renzo

    2017-01-01

    Abstract Water beetles belonging to the suborder Polyphaga vary greatly in larval and adult ecologies, and fulfil important functional roles in shallow-water ecosystems by processing plant material, scavenging and through predation. This study investigates the species richness and composition of aquatic polyphagan assemblages in and around the St Lucia estuarine lake (South Africa), within the iSimangaliso Wetland Park, a UNESCO World Heritage Site. A total of 32 sites were sampled over three consecutive collection trips between 2013 and 2015. The sites encompassed a broad range of aquatic habitats, being representative of the variety of freshwater and estuarine environments present on the St Lucia coastal plain. Thirty-seven polyphagan taxa were recorded during the dedicated surveys of this study, in addition to seven species-level records from historical collections. Most beetles recorded are relatively widespread Afrotropical species and only three are endemic to South Africa. Samples were dominated by members of the Hydrophilidae (27 taxa), one of which was new to science (Hydrobiomorpha perissinottoi Bilton, 2016). Despite the fauna being dominated by relatively widespread taxa, five represent new records for South Africa, highlighting the poor state of knowledge on water beetle distribution patterns in the region. Wetlands within the dense woodland characterising the False Bay region of St Lucia supported a distinct assemblage of polyphagan beetles, whilst sites occurring on the Eastern and Western Shores of Lake St Lucia were very similar in their beetle composition. In line with the Afrotropical region as a whole, the aquatic Polyphaga of St Lucia appear to be less diverse than the Hydradephaga, for which 68 species were recorded during the same period. However, the results of the present study, in conjunction with those for Hydradephaga, show that the iSimangaliso Wetland Park contains a high beetle diversity. The ongoing and future ecological protection

  5. Santa and the Moon

    NARCIS (Netherlands)

    Barthel, P.

    2012-01-01

    This article reflects on the use of illustrations of the Moon in images of Santa Claus, on Christmas gift-wrapping paper and in children's books, in two countries which have been important in shaping the image of Santa Claus and his predecessor Sinterklaas: the USA and the Netherlands. The appearanc

  6. Santa and the Moon

    NARCIS (Netherlands)

    Barthel, P.

    This article reflects on the use of illustrations of the Moon in images of Santa Claus, on Christmas gift-wrapping paper and in children's books, in two countries which have been important in shaping the image of Santa Claus and his predecessor Sinterklaas: the USA and the Netherlands. The

  7. The effect of a Lucia jig for 30 minutes on neuromuscular re-programming, in normal subjects

    Directory of Open Access Journals (Sweden)

    Mariangela Salles Pereira Nassar

    2012-12-01

    Full Text Available The Lucia jig is a technique that promotes neuromuscular reprogramming of the masticatory system and allows the stabilization of the mandible without the interference of dental contacts, maintaining the mandible position in harmonic condition with the musculature in normal subjects or in patients with temporomandibular dysfunction (TMD. This study aimed to electromyographically analyze the activity (RMS of the masseter and temporal muscles in normal subjects (control group during the use of an anterior programming device, the Lucia jig, in place for 0, 5, 10, 20 and 30 minutes to demonstrate its effect on the stomatognathic system. Forty-two healthy dentate individuals (aged 21 to 40 years with normal occlusion and without parafunctional habits or temporomandibular dysfunction (RDC/TMD were evaluated on the basis of the electromyographic activity of the masseter and temporal muscles before placement of a neuromuscular re-programming device, the Lucia jig, on the upper central incisors. There were no statistically significant differences (p < 0.05 in the electromyographic activity of the masticatory muscles in the different time periods. The Lucia jig changed the electromyographic activity by promoting a neuromuscular reprogramming. In most of the time periods, it decreased the activation of the masticatory muscles, showing that this device has wide applicability in dentistry. The use of a Lucia jig over 0, 5, 10, 15, 20 and 30 minutes did not promote any statistically significant increase in muscle activity despite differences in the data, thus showing that this intra-oral device can be used in dentistry.

  8. 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.

  9. 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.

  10. Wind-driven circulation patterns in a shallow estuarine lake: St Lucia, South Africa

    Science.gov (United States)

    Schoen, Julia H.; Stretch, Derek D.; Tirok, Katrin

    2014-06-01

    The spatiotemporal structure of wind-driven circulation patterns and associated water exchanges or residence times can drive important bio-hydrodynamic interactions in shallow lakes and estuaries. The St Lucia estuarine lake in South Africa is an example of such a system. It is a UNESCO World Heritage Site and RAMSAR wetland of international importance but no detailed research on its circulation patterns has previously been undertaken. In this study, a hydrodynamic model was used to investigate the structure of these circulations to provide insights into their role in transport and water exchange processes. A strong diurnal temporal pattern of wind speeds, together with directional switching between two dominant directions, drives intermittent water exchanges and mixing between the lake basins. “High speed flows in shallow nearshore areas with slower upwind counter-flows in deeper areas, linked by circulatory gyres, are key features of the circulation”. These patterns are strongly influenced by the complex geometry of St Lucia and constrictions in the system. Water exchange time scales are non-homogeneous with some basin extremities having relatively long residence times. The influence of the circulation patterns on biological processes is discussed.

  11. Retail Banking

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2008-07-01

    Full Text Available The retail banking plays more and more important role in polish banking sector. There are several targets of this article. First of all is retail banking identification, both in Euroland and Poland. The next one trends, especially household deposits and credits and last retail banking in particular banks.

  12. Genetics and shell morphometrics of assimineids (Mollusca, Caenogastropoda, Truncatelloidea in the St Lucia Estuary, South Africa

    Directory of Open Access Journals (Sweden)

    Nelson Miranda

    2014-06-01

    Full Text Available The Assimineidae are a family of amphibious microgastropods that can be mostly found in estuaries and mangroves in South Africa. These snails often occur in great numbers and are ecologically important to the St Lucia Estuary, which forms a crucial part of the iSimangaliso Wetland Park, a UNESCO World Heritage Site. Genetic and shell morphometric analyses were conducted on individuals collected from nine localities distributed from the northern lake regions to the southern lake and the mouth of the St Lucia estuarine lake. Mitochondrial (COI and nuclear (28S DNA was used to construct Bayesian Inference, Neighbour-joining, Maximum Parsimony and Maximum Likelihood trees. Principal Component Analysis and Cluster Analysis were performed on standard shell parameter data. Results indicate that two different taxa are present in St Lucia. The taxon comprising individuals from the South Lake and St Lucia Estuary Mouth is identified as Assiminea cf. capensis Bartsch, in accordance with the latest taxonomic consensus. The taxon comprising assimineid individuals from False Bay, North Lake and South Lake, is here tentatively named “A.” aff. capensis (Sowerby. These two taxa exhibit patterns of spatial overlap that appear to vary depending on environmental parameters, particularly salinity. The need to resolve the complex taxonomy of assimineids is highlighted.

  13. Internet Banking

    Directory of Open Access Journals (Sweden)

    Felician ALECU

    2006-01-01

    Full Text Available Internet Banking (known also as online banking allows performing transactions and payments over the internet through a bank's secure website. This can be very useful, especially for banking outside bank hours (which tend to be very short and banking from anywhere where internet access is available. In most cases a web browser such as Internet Explorer or Mozilla Firefox is utilized and any normal internet connection is suitable. No special software or hardware is usually needed.

  14. Ilha de Santa Catarina

    OpenAIRE

    Nopes, Adriano

    2007-01-01

    Dissertação (mestrado) - Universidade Federal de Santa Catarina, Centro de Filosofia E Ciências Humanas. Programa de Pós-Graduação em Sociologia Política Este trabalho tem como foco de análise o processo de modernização na Praia dos Ingleses, um bairro atual situado no extremo norte da Ilha de Santa Catarina. Como referencial teórico da modernidade, utilizamos pensadores contemporâneos como Berman, Giddens e Habermas; para estes autores a modernização é compreendida como um fenômeno comple...

  15. A Proposed Community Network For Monitoring Volcanic Emissions In Saint Lucia, Lesser Antilles

    Science.gov (United States)

    Joseph, E. P.; Beckles, D. M.; Robertson, R. E.; Latchman, J. L.; Edwards, S.

    2013-12-01

    Systematic geochemical monitoring of volcanic systems in the English-speaking islands of the Lesser Antilles was initiated by the UWI Seismic Research Centre (SRC) in 2000, as part of its volcanic surveillance programme for the English-speaking islands of the Lesser Antilles. This programme provided the first time-series observations used for the purpose of volcano monitoring in Dominica and Saint Lucia, permitted the characterization of the geothermal fluids associated with them, and established baseline studies for understanding of the hydrothermal systems during periods of quiescence (Joseph et al., 2011; Joseph et al., 2013). As part of efforts to improve and expand the capacity of SRC to provide volcanic surveillance through its geothermal monitoring programme, it is necessary to develop economically sustainable options for the monitoring of volcanic emissions/pollutants. Towards this effort we intend to work in collaboration with local authorities in Saint Lucia, to develop a monitoring network for quantifying the background exposure levels of ambient concentrations of volcanic pollutants, SO2 in air and As in waters (as health significant marker elements in the geothermal emissions) that would serve as a model for the emissions monitoring network for other volcanic islands. This programme would facilitate the building of local capacity and training to monitor the hazardous exposure, through the application and transfer of a regionally available low-cost and low-technology SO2 measurement/detection system in Saint Lucia. Existing monitoring technologies to inform evidence based health practices are too costly for small island Caribbean states, and no government policies or health services measures currently exist to address/mitigate these influences. Gases, aerosols and toxic elements from eruptive and non-eruptive volcanic activity are known to adversely affect human health and the environment (Baxter, 2000; Zhang et al., 2008). Investigations into the

  16. The Santa Ana Partnership

    Science.gov (United States)

    Cournoyer, David, Ed.

    2004-01-01

    One of the priority interests of the W.K. Kellogg Foundation is to connect the knowledge and resources of institutions with communities in order to improve the quality of life in community. Partnerships achieve uncommon results. In Santa Ana, California, an unusual partnership of public schools, community college, universities, community…

  17. Globalization, urbanization, and language in Caribbean development: the assimilation of St. Lucia

    Directory of Open Access Journals (Sweden)

    Aonghas St-Hilaire

    2003-01-01

    Full Text Available Discusses the trend toward Anglicization in St. Lucia, and the increasing demise of the Kwéyòl language in the historically Kweyol-speaking rural districts, related to perceived opportunities for economic advancement. Author explains how this influence of Anglicization spread from the, more English-focused, capital Castries to the rural areas of the islands. He places this perception of English for economic possibilities (of children, partly also fueled by US impact, alongside the gains of cultural nationalism including Kwéyòl promotion in the past 3 decades, such as increasing use of the language on the radio and festivals. Kwéyòl is also seen as a part of an St. Lucian identity. He points out how, nonetheless, the government or parents do not really invest in it, and favor knowledge of English among children.

  18. Lucia van den Bergh. Porque prevaleceu a paz? Moçambicanos respondem

    Directory of Open Access Journals (Sweden)

    Gabriel Mithá Ribeiro

    2012-01-01

    Full Text Available Um livro bom e mauA 4 de Outubro de 1992 foi ratificado formalmente o Acordo Geral de Paz entre a FRELIMO, então no governo, e a RENAMO, então movimento rebelde, que pôs termo a dezasseis anos de guerra civil que terão ceifado a vida a pelo menos um milhão de moçambicanos. De então para cá a paz e o multipartidarismo mantêm-se em Moçambique. Lucia van den Bergh, representante da AWEPA (Association of Europeans Parliamentarians for Africa em Moçambique entre 1992 e 1998, precisamente o períod...

  19. Market-led Development versus Basic Needs: Common Property and the Common Good in St. Lucia

    Directory of Open Access Journals (Sweden)

    Jack Thornburg

    2011-04-01

    Full Text Available This paper argues that contemporary development policies have failed to solve the problem of the maldistribution of economic resources, poverty, underemployment, and skewed income distribution. With the collapse of the Lomé Convention in 1996, St. Lucia saw its banana export market suffer a steep decline. Since then, Lomé St. Lucia has focused on market-led international tourism as the new engine of growth. Market-led development is fraught with economic cycles of up and down that lead to economic uncertainty and catastrophe for many people of limited resources. Much government revenue is spent on tourist-oriented infrastructure at the expense of a well-funded social security system. A new, morally oriented economic philosophy is called for at this time. The focus should be on a basic-needs approach and the welfare of the population rather than the needs of the market for continual growth and profit. In this regard, the paper examines the role of family land tenure in providing a common good to help alleviate the hardships of economic downturn. For thousands of co-owning heirs that may need refuge from the vagaries of the international market, family land can provide temporary economic or subsistence shelter. With an economy of limited opportunity, government policy informed by a sense of moral obligation should encourage family land as a form of social security for those numerous co-owners working in off-farm enterprises such as tourism, in which economic uncertainty is ever present.

  20. Monitoring Persistent Volcanic Emissions from Sulphur Springs, Saint Lucia: A Community Approach to Disaster Risk Reduction

    Science.gov (United States)

    Joseph, E. P.; Beckles, D. M.; Cox, L.; Jackson, V. B.; Alexander, D.

    2014-12-01

    Volcanic and geothermal emissions are known natural sources of volatiles to the atmosphere. Volcanogenic air pollutants known to cause the most serious impact are carbon dioxide (CO2), sulphur dioxide (SO2), hydrogen chloride (HCl) and hydrogen fluoride (HF). Some studies into the potential for volcanic emissions to produce chronic diseases in humans indicate that areas of major concern include respiratory problems, particularly silicosis (Allen et al. 2000; Baxter et al. 1999; Buist et al. 1986), psychological stress (Shore et al. 1986), and chemical impacts of gas or ash (Giammanco et al. 1998). Sulphur Springs Park in Saint Lucia has a very high recreational value with >200,000 visitors annually, while the nearby town of Soufrière has >8,400 residents. Residents and visitors have raised concerns about the volcanic emissions and its health effects. As part of the volcanic surveillance programme undertaken by the UWI, Seismic Research Centre (SRC) in Saint Lucia, a new monitoring network has been established for quantifying the ambient SO2 in air, to which staff and visitors at the volcanic park are exposed to. The implementation and continued operation of this network has involved the training of local personnel in the active field sampling and analytical techniques required for the assessment of ambient SO2 concentrations, using a low cost monitor as well as commercial passive samplers. This approach recognizes that environmental hazards are a usual part of life and productive livelihoods, and to minimize post-disaster response and recovery it is beneficial to promote preparedness and mitigation, which is best achieved at the local level with community involvement. It is also intended that the volcanic emissions monitoring network could be used as a method to establish and maintain community-based initiatives that would also be helpful when volcanic threat manifests.

  1. A Collaborative Approach to Monitoring Ambient Volcanogenic Pollution at Sulphur Springs, Saint Lucia.

    Science.gov (United States)

    Joseph, E. P.; Beckles, D. M.; Cox, L.; Jackson, V. B.; Alexander, D.

    2015-12-01

    The role of volcano tourism is recognized as an important contributor to the economy of volcanic islands in the Lesser Antilles. However, if it is to be promoted as a sustainable sector of the tourism industry, visitors, tour operators, and vendors must be made aware of the potential health hazards facing them in volcanic environments. Volcanogenic air pollutants are of primary concern in this setting. In general, no warning signs, guidelines for recreational use, or emissions monitoring currently exists to provide warning to the public to decrease their vulnerability to the potential risks, or to minimize the liability of the agencies managing these areas. Sulphur Springs Park in Saint Lucia is a popular international destination, and concerns about the volcanic emissions and its possible health effect have been raised by visitors, staff, and management of the Park. As part of the responsibility of the UWI, Seismic Research Centre (SRC) to provide volcanic surveillance through its geothermal monitoring programme, a network was established for quantifying the ambient SO2 concentrations at Sulphur Springs in order to assess the potential risk of unsafe exposure. This effort required collaboration with the National Emergency Management Organization (NEMO) of Saint Lucia, as well as the staff and management of the Soufrière Regional Development Foundation (SRDF). Local personnel were trained in the active field sampling and analytical techniques required for the assessment of ambient SO2 concentrations over the monitoring period, thereby contributing to an active community-based effort. This type of approach was also thought to be an effective option for scientists to engage communities as partners in disaster risk reduction. Lessons learnt from this experience are presented for the benefit of other citizen monitoring projects, including its use as a tool for promoting volcanic hazard education, and enhancing communication and understanding between geoscientists and

  2. New host records of Ixodes luciae (Acari: Ixodidae in the State of Para, Brazil Registros de novos hospedeiros para Ixodes luciae (Acari: Ixodidae no estado do Pará, Brasil

    Directory of Open Access Journals (Sweden)

    Hermes Ribeiro Luz

    2013-03-01

    Full Text Available The aim of this paper is to record new hosts for Ixodes luciae Sénevet in the State of Para, Brazil, and present a case of malformation (teratogeny in a nymph of this species. The new host records are Marmosa murina (parasitized by females and Philander opossum (parasitized by nymphs. One of these nymphs showed malformation in the posterior margin of the opisthosoma resulting in a heart shaped posterior end.O objetivo deste trabalho foi registrar novos hospedeiros para Ixodes luciae Sénevet no estado do Pará, Brasil, e um caso de malformação em uma ninfa dessa espécie de carrapato. Os novos hospedeiros são Marmosa murina (parasitado por fêmeas e Philander opossum (parasitado por ninfas. Uma dessas ninfas apresentou uma malformação na parte posterior do opistossoma em forma de coração.

  3. Santa and the moon

    CERN Document Server

    Barthel, Peter

    2011-01-01

    Happy end-of-the-year evening and night events provide good opportunities to explain the phases of the moon. The need for such moon phase education is once again demonstrated, through an investigation of illustrations on Santa Claus and Christmas gift wrap and in children's books, in two countries which have been important in shaping the image of Santa Claus and his predecessor Sinterklaas: The Netherlands and the USA. The moon on Halloween illustrations is also considered. The lack of knowledge concerning the physical origin of the moon phases, or lack of interest in understanding, is found to be widespread in The Netherlands but is also clearly present in the USA, and is quite possibly global. Definitely incomplete, but surely representative lists compiling both scientifically correct and scientifically incorrect gift wrap and children's books are also presented.

  4. Prevalence of Risk Factors for the Metabolic Syndrome in the Middle Income Caribbean Nation of St. Lucia

    Directory of Open Access Journals (Sweden)

    Colleen O’Brien Cherry

    2014-01-01

    Full Text Available The objective of this research was to measure the presence of metabolic syndrome risk factors in a sample population in the middle income Caribbean nation of St. Lucia and to identify the demographic and behavioral factors of metabolic syndrome among the study participants. Interviews and anthropometric measures were conducted with 499 St. Lucians of ages 18–99. Descriptive statistics were used for the analysis. Fifty-six percent of females and 18 percent of males had a waist size equal to or above the indicator for the metabolic syndrome. Behavioral risk factors such as sedentary lifestyle, smoking, and alcohol consumption varied by gender. Thirty-six percent of women and 22% of men reported a sedentary lifestyle and 43% of women and 65% of men reported any alcohol consumption. More research should be done to determine the cultural norms and gender differences associated with modifiable risk behaviors in St. Lucia.

  5. Banking Bank Charge Debates Continue

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

    @@ The saying, "There's no such thing as a free lunch" is one that can be applied to the charges increasingly being imposed on savers by Chinese banks.Ranging from managementfees for small deposit accounts to charges for withdrawals of large amounts of cash, from ATM cross-bank withdrawal charges to annual fees for bank payment cards, charges by banks are becoming a unstoppable trend. But it is not a trend the general public is so keen to accept.

  6. Performance of free convective solar driers for cocoa in St. Lucia

    Energy Technology Data Exchange (ETDEWEB)

    Alikhani, Z.; Madramootoo, C. A. [McGill Univ., Ste. Anne de Bellevue, PQ (Canada). Macdonald Coll.; Bonaparte, A.; Satney, M.

    1998-01-01

    Four different solar driers were tested under field conditions in St. Lucia (West Indies) in order to demonstrate their ability to reduce the moisture content of cocoa beans to a level not requiring subsequent polishing. The four driers were: (1) an indirectly heated solar drier (ISD), (2) a direct solar drier (DSD), (3) open air sun drying on perforated steel (OAS), and (4) open air sun drying on non-perforated wooden surfaces (OAW). The ability of each drier to reduce moisture in cocoa beans for loading capacities of 13.7 and 40.0 kg/sq m was determined and compared. All four driers were more efficient at the lower loading level, particularly in the initial stages. Sun drying on a wooden surface proved to be more effective than other methods at 13.7 kg/sq m loading. ISD was found to be more effective at a higher loading capacity but was judged to be impractical for all but the largest operators because of the high cost and short cocoa harvest season. DSD was less effective than ISD, but its simple design, considerably lower cost and the fact that it does not require the beans to be covered during rainfall, made it more attractive to handle smaller harvests. Improved ventilation would further enhance the drying efficiency of the direct dryer, hence even more attractive to smaller scale operations. 13 refs., 7 figs.

  7. 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.

  8. 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

  9. LOS (AS ADOLESCENTES HABLAN DE PATERNIDAD Y MATERNIDAD EN CARTAGENA DE INDIAS: CASOS SANTA LUCÍA Y CEBALLOS

    Directory of Open Access Journals (Sweden)

    Carmen Alvear Romero

    2006-08-01

    Full Text Available El presente artículo hace una reflexión en torno a las demandas de cambio en el ejercicio de la Maternidad y Paternidad a partir de las representaciones sociales que sobre estas funciones parentales realizan hijos e hijas adolescentes en la ciudad de Cartagena, casos Santa Lucia y Ceballos. Develar las voces y significaciones de los(as jóvenes frente a categorías como autoridad, afectividad y división sexual de roles en el hogar, es una oportunidad para potenciar a esta población como protagonistas de nuevas formas de relación e interacción familiar y social, que complementa los tradicionales esquemas de entender e intervenir el sistema familiar

  10. Banks Sparkle

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    There is no doubt that China’s banking system is a calm port in the global financial storm. Moreover, a great regulatory firewall and an easing monetary environment have enabled Chinese banks to increase lending and help shrug off the economic downturn. Yi Xianrong, a researcher at the Institute of Finance and Banking under the Chinese Academy of Social Sciences, discussed this topic in a recent article in the Shanghai Securities Journal. Edited excerpts follow:

  11. Development of a halotolerant community in the St. Lucia Estuary (South Africa during a hypersaline phase.

    Directory of Open Access Journals (Sweden)

    Nicola K Carrasco

    Full Text Available BACKGROUND: The St. Lucia Estuary, Africa's largest estuarine lake, is currently experiencing unprecedented freshwater deprivation which has resulted in a northward gradient of drought effects, with hypersaline conditions in its northern lakes. METHODOLOGY/PRINCIPAL FINDINGS: This study documents the changes that occurred in the biotic communities at False Bay from May 2010 to June 2011, in order to better understand ecosystem functioning in hypersaline habitats. Few zooplankton taxa were able to withstand the harsh environmental conditions during 2010. These were the flatworm Macrostomum sp., the harpacticoid copepod Cletocamptus confluens, the cyclopoid copepod Apocyclops cf. dengizicus and the ciliate Fabrea cf. salina. In addition to their exceptional salinity tolerance, they were involved in a remarkably simple food web. In June 2009, a bloom of an orange-pigmented cyanobacterium (Cyanothece sp. was recorded in False Bay and persisted uninterruptedly for 18 months. Stable isotope analysis suggests that this cyanobacterium was the main prey item of F. cf. salina. This ciliate was then consumed by A. cf. dengizicus, which in turn was presumably consumed by flamingos as they flocked in the area when the copepods attained swarming densities. On the shore, cyanobacteria mats contributed to a population explosion of the staphylinid beetle Bledius pilicollis. Although zooplankton disappeared once salinities exceeded 130, many taxa are capable of producing spores or resting cysts to bridge harsh periods. The hypersaline community was disrupted by heavy summer rains in 2011, which alleviated drought conditions and resulted in a sharp increase in zooplankton stock and diversity. CONCLUSIONS/SIGNIFICANCE: Despite the current freshwater deprivation crisis, the False Bay region has shown to be resilient, harboring a unique biodiversity with species that are capable of enduring harsh environmental conditions. However, further freshwater deprivation may

  12. The elusive character of discontinuous deep-water channels: New insights from Lucia Chica channel system, offshore California

    Science.gov (United States)

    Maier, K.L.; Fildani, A.; Paull, C.K.; Graham, S.A.; McHargue, T.R.; Caress, D.W.; McGann, M.

    2011-01-01

    New high-resolution autonomous underwater vehicle (AUV) seafloor images, with 1 m lateral resolution and 0.3 m vertical resolution, reveal unexpected seafloor rugosity and low-relief (architecture of the depositional area. Flowstripped turbidity currents separated into and reactivated multiple channels to create a distributary pattern and developed discontinuous trains of cyclic scours and megaflutes, which may be erosional precursors to continuous channels. The diverse features now imaged in the Lucia Chica channel system (offshore California) are likely common in modern and ancient systems with similar overall morphologies, but have not been previously mapped with lower-resolution detection methods in any of these systems. ?? 2011 Geological Society of America.

  13. Diatom-inferred hydrological changes and Holocene geomorphic transitioning of Africa's largest estuarine system, Lake St Lucia

    Science.gov (United States)

    Gomes, M.; Humphries, M. S.; Kirsten, K. L.; Green, A. N.; Finch, J. M.; de Lecea, A. M.

    2017-06-01

    The diverse lagoons and coastal lakes along the east coast of South Africa occupy incised valleys that were flooded during the rise and subsequent stabilisation of relative sea-level during the Holocene. Sedimentary deposits contained within these waterbodies provide an opportunity to investigate complex hydrological and sedimentological processes, and examine sea-level controls governing system geomorphic evolution. In this paper, we combine diatom and sulfur isotope analyses from two sediment cores extracted from the northern sub-basins of Lake St Lucia, a large shallow estuarine lake that is today largely isolated from direct ocean influence behind a Holocene-Pleistocene barrier complex. Analyses allow the reconstruction of hydrological changes associated with the geomorphic development of the system over the mid-to late Holocene. The sedimentary sequences indicate that St Lucia was a shallow, partially enclosed estuary/embayment dominated by strong tidal flows prior to ∼6200 cal. BP. Infilling was initiated when sea-level rise slowed and stabilised around present day levels, resulting in the accumulation of fine-grained sediment behind an emergent proto-barrier. Diatom assemblages, dominated by marine benthic and epiphytic species, reveal a system structured by marine water influx and characterised by marsh and tidal flat habitats until ∼4550 cal. BP. A shift in the biological community at ∼4550 cal. BP is linked to the development of a back-barrier water body that supported a brackish community. Marine planktonics and enrichments in δ34S suggest recurrent, large-scale barrier inundation events during this time, coincident with a mid-Holocene sea-level highstand. Periodic marine incursions associated with episodes of enhanced storminess and overwash remained prevalent until ∼1200 cal. BP, when further barrier construction ultimately isolated the northern basins from the ocean. This study provides the first reconstruction of the palaeohydrological

  14. Vegetation mapping in the St Lucia estuary using very high-resolution multispectral imagery and LiDAR

    CSIR Research Space (South Africa)

    Lück-Vogel, Melanie

    2016-05-01

    Full Text Available (visible plus near infrared) in 0.65 m resolution. 397 Similarly, Swamp forest was consistently mapped with very high accuracies, apart from the 398 DEM-including runs 2 and 4 of the RapidEye images. In contrast, the class Grass and Shrubs 399 frequently... mapping in the St Lucia estuary using very high 1 resolution multispectral imagery and LiDAR 2 Melanie Lück-Vogel a, c,*, Cikizwa Mbolambi a, Kelly Rautenbach b, Janine Adams b, Lara 3 van Niekerk a 4 a Council for Scientific and Industrial Research, P...

  15. González Torreros, Lucia. El modelo sustentable para la actividad turística del municipio de Tequila, Jalisco

    OpenAIRE

    Marmolejo Duarte, Carlos Ramiro

    2011-01-01

    Comentaris respecte la tesi doctoral de Lucia González, dirigida pel Dr. Horacio Roldán López i codirigida pel Dr. Luis Felipe Cabrales Barajas, titulada "El model sostenible per l’activitat turística del municipi de Tequila, Jalisco". Comments regarding the doctoral thesis of Lucia Gonzalez, directed by Dr. Horacio Roldan Lopez and co-directed by Dr. Luis Felipe Cabrales Barajas, entitled "Sustainable model for tourism activity in the municipality of Tequila, Jalisco". Comentarios resp...

  16. Santa Maria Volcano, Guatemala

    Science.gov (United States)

    2002-01-01

    The eruption of Santa Maria volcano in 1902 was one of the largest eruptions of the 20th century, forming a large crater on the mountain's southwest flank. Since 1922, a lava-dome complex, Santiaguito, has been forming in the 1902 crater. Growth of the dome has produced pyroclastic flows as recently as the 2001-they can be identified in this image. The city of Quezaltenango (approximately 90,000 people in 1989) sits below the 3772 m summit. The volcano is considered dangerous because of the possibility of a dome collapse such as one that occurred in 1929, which killed about 5000 people. A second hazard results from the flow of volcanic debris into rivers south of Santiaguito, which can lead to catastrophic flooding and mud flows. More information on this volcano can be found at web sites maintained by the Smithsonian Institution, Volcano World, and Michigan Tech University. ISS004-ESC-7999 was taken 17 February 2002 from the International Space Station using a digital camera. The image is provided by the Earth Sciences and Image Analysis Laboratory at Johnson Space Center. Searching and viewing of additional images taken by astronauts and cosmonauts is available at the NASA-JSC Gateway to

  17. ciudad de Santa Marta

    Directory of Open Access Journals (Sweden)

    Javier Alfredo Ferreira Ospino

    2008-01-01

    Full Text Available Esta investigación evalúa los resultados de un programa de Formación en Derechos con madres comunitarias para la solución de conflictos en la Comuna Ocho de la ciudad de Santa Marta. El programa buscó el desarrollo de la capacidad de análisis y discernimiento para la toma de decisiones, que les permitan participar activamente en la solución de problemas de la comunidad, tendientes a mejorar las condiciones de vida de los miembros de la ésta. El proyecto se enmarca en un diseño de investigación cuasiexperimental con grupo control y medida pre y post, de forma que puedan medirse no sólo los resultados del programa, sino su efectividad para la resolución de conflictos en la comunidad. Se utilizó el cuestionario adaptado a la Teoría de Rahim y otros autores de la teoría del conflicto con el fin de determinar la manera como se resuelven los conflictos en la comunidad. Esta investigación se centró en demostrar objetivamente la efectividad del programa y las diferencias deliberativas y discursivas más relevantes entre los sujetos que recibieron formación en derechos.

  18. Lake St Lucia, Africa’s largest estuarine lake in crisis: Combined effects of mouth closure, low levels and hypersalinity

    Directory of Open Access Journals (Sweden)

    Fiona MacKay

    2011-03-01

    Full Text Available The Lake St Lucia estuarine system is the most important nursery ground for juvenile marine fish and prawns along the KwaZulu-Natal coast. The estuary mouth closed in June 2002 because of drought and remained so for 4 years and 9 months. A study to determine the impacts of extended mouth closure, hypersalinity and low lake levels on the mesozooplankton, macrobenthic invertebrates and fish fauna was initiated in 2004. Zooplankton and benthic invertebrate diversity declined, benthic invertebrate community composition changed and the diversity and abundance of fish decreased between 2004 and 2007. In the case of fish, the declines were related to die-offs in the lake and the failed recruitment of post-larvae and juveniles from the marine environment as a result of the mouth having been closed. Options for management intervention under closed-mouth conditions are limited at this time, particularly in the short term, to breaching the mouth and facilitating the inflow of sea water. In the medium term, as was the historical situation, the reconnection of the Mfolozi system to St Lucia should be viewed as a major priority.

  19. 78 FR 6326 - Formations of, Acquisitions by, and Mergers of Bank Holding Companies

    Science.gov (United States)

    2013-01-30

    ... Formations of, Acquisitions by, and Mergers of Bank Holding Companies The companies listed in this notice... merger subsidiary, NM Lobo Acquisition Corporation, and thereby acquire First National Bank of Santa Fe... enumerated in the BHC Act (12 U.S.C. 1842(c)). If the proposal also involves the acquisition of a...

  20. A modelling study of the effects of land management and climatic variations on groundwater inflow to Lake St Lucia, South Africa

    Science.gov (United States)

    Været, Lars; Kelbe, Bruce; Haldorsen, Sylvi; Taylor, Richard H.

    2009-12-01

    Over the past few years groundwater has been recognized as an important contributor of freshwater to Lake St Lucia, South Africa during periods of prolonged drought. This has led to a management strategy aiming at increasing the groundwater recharge and minimizing groundwater use through active manipulation of the vegetation. For the Eastern Shores on the edge of Lake St Lucia, the replacement of vast areas of pine ( Pinus elliottii) plantations with grassland over the past decade, combined with a strict burning regime, has led to a general rise of the water table, which has increased the groundwater seepage to Lake St Lucia. A numerical groundwater model has been applied to assess the effects of local management strategies on the mass balance of a shallow aquifer and these are compared to the effects of predicted climate and sea-level change for this area. The simulations indicate that local management actions that are being applied to the Eastern Shores have positive effects on the groundwater flux into Lake St Lucia and that they outweigh potential negative effects of future climate and sea-level change predicted for this area.

  1. The Relevance and Appropriateness of Positivist and Interpretative Approaches for Exploring Quality Education in Schools in St. Lucia, a Small Caribbean State

    Science.gov (United States)

    Caesar, Chryselda

    2012-01-01

    This paper examines the definition of research, purpose and influence of educational research on policy and its practitioners, the distinguishing features of positivist and interpretative approaches as complementary research paradigms, and to debate their relevance in exploring quality education in schools in St. Lucia, a small Caribbean Island.…

  2. Impact of marine inundation after a period of drought on the lakeshore vegetation of Lake St Lucia, South Africa : resilience of estuarine vegetation

    NARCIS (Netherlands)

    Sieben, E. J. J.; Ellery, W. N.; Dullo, B. W.; Grootjans, A. P.

    2015-01-01

    The shore of Lake St Lucia in the vicinity of Catalina Bay, in the southern part of the lake, receives freshwater input as surface and groundwater seepage from the adjacent elevated coastal plain. Vegetation, water quality and landform were recorded on the lakeshore and on the dry lakebed near one o

  3. Santa Claus ’Names

    Institute of Scientific and Technical Information of China (English)

    寒冰

    2005-01-01

    A ustria—Christkind Belgium and the N etherlands—N oel Saint Nicholas C hristkind and Black Pete Brazil—Papa;N oel D enm ark—Julinisse England—Father Christm as Finland—O ld M an C hristm asFrance—Pere N oel or le Petit Germ any—K riss Kringle Christkind or Saint N icholas Italy—B efana Japan—Santa K urohsu M exico—Three Kings Poland—Star M an or W ise M en Spain—Three Kings R ussia—B asbouschka ?Santa Claus ’Names@寒冰

  4. A quantitative analysis of surgical capacity in Santa Cruz, Bolivia.

    Science.gov (United States)

    Markin, Abraham; Barbero, Roxana; Leow, Jeffrey J; Groen, Reinou S; Skow, Evan J; Apelgren, Keith N; Kushner, Adam L; Nwomeh, Benedict C

    2013-11-01

    This investigation aimed to document surgical capacity at public medical centers in a middle-income Latin American country using the Surgeons OverSeas (SOS) Personnel, Infrastructure, Procedures, Equipment, and Supplies (PIPES) survey tool. We applied the PIPES tool at six urban and 25 rural facilities in Santa Cruz, Bolivia. Outcome measures included the availability of items in five domains (Personnel, Infrastructure, Procedures, Equipment, and Supplies) and the PIPES index. PIPES indices were calculated by summing scores from each domain, dividing by the total number of survey items, and multiplying by 10. Thirty-one of the 32 public facilities that provide surgical care in Santa Cruz were assessed. Santa Cruz had at least 7.8 surgeons and 2.8 anesthesiologists per 100,000 population. However, these providers were unequally distributed, such that nine rural sites had no anesthesiologist. Few rural facilities had blood banking (4/25), anesthesia machines (11/25), postoperative care (11/25), or intensive care units (1/25). PIPES indices ranged from 5.7-13.2, and were significantly higher in urban (median 12.6) than rural (median 7.8) areas (P Bolivia's development status. Unfortunately, surgeons are limited in rural areas by deficits in anesthesia and perioperative services. These results are currently being used to target local quality improvement initiatives. Copyright © 2013 Elsevier Inc. All rights reserved.

  5. Effects of fluctuating temperature and immersion on asexual reproduction in the intertidal sea anemone Haliplanella luciae (verrill) in laboratory culture

    Energy Technology Data Exchange (ETDEWEB)

    Johnson, L.L.; Shick, J.M.

    1977-01-01

    Haliplanella luciae (Verrill) was maintained in laboratory cultures according to a 2 x 2 factorial design. The factors were (1) constant immersion or continuously alternating periods of 6 h immersion followed by 6 h emersion, and (2) 18/sup 0/C constant temperature or 24/sup 0/C during one 6-h emersion period each day and 18/sup 0/C for the remaining 18 h. Significantly different numbers of fissions were observed between both the two immersion and two temperature conditions. A negative correlation was found between the number of fissions and the total dry weight of tissue per bowl. There was a different distribution of individual weights in the two immersion conditions. Some instances of pedal laceration were observed.

  6. Assessing the impact of releases of radionuclides into sewage systems in urban environment - simulation, modelling and experimental studies - LUCIA

    Energy Technology Data Exchange (ETDEWEB)

    Sundelll-Bergman, S. (Vattenfall Power Consultant, Stockholm (Sweden)); Avila, R.; Cruz, I. de la (Facilia AB, (Sweden)); Xu, S. (Swedish Radiation Safety Authority, (Sweden)); Puhakainen, M.; Heikkinene, T.; Rahola, T. (STUK (Finland)); Hosseini, A. (Norwegian Radiation Protection Authority (Norway)); Nielsen, Sven (Risoe National Laboratory for Sustainable Energy, DTU (Denmark)); Sigurgeirsson, M. (Geislavarnir rikisins (Iceland))

    2009-06-15

    This report summarises the findings of a project on assessing the impact of releases of radionuclides into sewage systems and was established to provide more knowledge and suitable tools for emergency preparedness purposes in urban areas. It was known that the design of sewage plants, and their wastewater treatments, is rather similar between the Nordic countries. One sewage plant in each of the five Nordic countries was selected for assessing the impact of radionuclide releases from hospitals into their sewerage systems. Measurements and model predictions of dose assessments to different potentially exposed members of the public were carried out. The results from the dose assessments indicate that in case of routine releases annual doses to the three hypothetical groups of individuals are most likely insignificant. Estimated doses for workers are below 10 muSv/y, for the two studied radionuclides 99mTc and 131I. If uncertainties in the predictions of activity concentrations in sludge are considered, then the probability of obtaining doses above 10 muSv/y may not be insignificant. The models and approaches developed can also be applied in case of accidental releases. A laboratory inter-comparison exercise was also organised to compare analytical results across the laboratories participating in the project, using both 131I, dominating man-made radionuclide in sewage systems due to the medical use. A process oriented model of the biological treatment is also proposed in the report that does not require as much input data as for the LUCIA model. This model is a combination of a simplified well known Activated Sludge Model No.1 (Henze, 1987) and the Kd concept used in the LUCIA model. The simplified model is able to estimate the concentrations and the retention time of the sludge in different parts of the treatment plant, which in turn, can be used as a tool for the dose assessment purpose.filled by the activity. (au)

  7. Predaceous water beetles (Coleoptera, Hydradephaga) of the Lake St Lucia system, South Africa: biodiversity, community ecology and conservation implications

    Science.gov (United States)

    Perissinotto, Renzo; Bird, Matthew S.; Bilton, David T.

    2016-01-01

    Abstract Water beetles are one of the dominant macroinvertebrate groups in inland waters and are excellent ecological indicators, reflecting both the diversity and composition of the wider aquatic community. The predaceous water beetles (Hydradephaga) make up around one-third of known aquatic Coleoptera and, as predators, are a key group in the functioning of many aquatic habitats. Despite being relatively well-known taxonomically, ecological studies of these insects in tropical and subtropical systems remain rare. A dedicated survey of the hydradephagan beetles of the Lake St Lucia wetlands (South Africa) was undertaken between 2013 and 2015, providing the first biodiversity census for this important aquatic group in the iSimangaliso Wetland Park, a UNESCO World Heritage Site within the Maputaland biodiversity hotspot. A total of 32 sites covering the entire spectrum of waterbody types were sampled over the course of three collecting trips. The Lake St Lucia wetlands support at least 68 species of Hydradephaga, a very high level of diversity comparing favourably with other hotspots on the African continent and elsewhere in the world and a number of taxa are reported for South Africa for the first time. This beetle assemblage is dominated by relatively widespread Afrotropical taxa, with few locally endemic species, supporting earlier observations that hotspots of species richness and centres of endemism are not always coincident. Although there was no significant difference in the number of species supported by the various waterbody types sampled, sites with the highest species richness were mostly temporary depression wetlands. This contrasts markedly with the distribution of other taxa in the same system, such as molluscs and dragonflies, which are most diverse in permanent waters. Our study is the first to highlight the importance of temporary depression wetlands and emphasises the need to maintain a variety of wetland habitats for aquatic conservation in this

  8. Predaceous water beetles (Coleoptera, Hydradephaga) of the Lake St Lucia system, South Africa: biodiversity, community ecology and conservation implications.

    Science.gov (United States)

    Perissinotto, Renzo; Bird, Matthew S; Bilton, David T

    2016-01-01

    Water beetles are one of the dominant macroinvertebrate groups in inland waters and are excellent ecological indicators, reflecting both the diversity and composition of the wider aquatic community. The predaceous water beetles (Hydradephaga) make up around one-third of known aquatic Coleoptera and, as predators, are a key group in the functioning of many aquatic habitats. Despite being relatively well-known taxonomically, ecological studies of these insects in tropical and subtropical systems remain rare. A dedicated survey of the hydradephagan beetles of the Lake St Lucia wetlands (South Africa) was undertaken between 2013 and 2015, providing the first biodiversity census for this important aquatic group in the iSimangaliso Wetland Park, a UNESCO World Heritage Site within the Maputaland biodiversity hotspot. A total of 32 sites covering the entire spectrum of waterbody types were sampled over the course of three collecting trips. The Lake St Lucia wetlands support at least 68 species of Hydradephaga, a very high level of diversity comparing favourably with other hotspots on the African continent and elsewhere in the world and a number of taxa are reported for South Africa for the first time. This beetle assemblage is dominated by relatively widespread Afrotropical taxa, with few locally endemic species, supporting earlier observations that hotspots of species richness and centres of endemism are not always coincident. Although there was no significant difference in the number of species supported by the various waterbody types sampled, sites with the highest species richness were mostly temporary depression wetlands. This contrasts markedly with the distribution of other taxa in the same system, such as molluscs and dragonflies, which are most diverse in permanent waters. Our study is the first to highlight the importance of temporary depression wetlands and emphasises the need to maintain a variety of wetland habitats for aquatic conservation in this biodiverse

  9. From Suazoid to folk pottery: pottery manufacturing traditions in a changing social and cultural environment on St. Lucia

    Directory of Open Access Journals (Sweden)

    Corinne L. Hofman

    2004-01-01

    Full Text Available Overview of pottery manufacturing traditions in St Lucia, placed within the island's cultural history from pre-Columbian times up to present Afro-Caribbean folk pottery. Authors focus on manufacturing processes in different cultural traditions through history, looking at raw materials used, the shaping and finishing, decoration, and firing process. First, they sketch St Lucia's habitation history since the first Amerindian settlers in 200 AD, and evidence of pottery, which climaxed in the later Suazoid period pottery since about 1150 AD, and discuss how later European colonization and arrival of Africans contributed to the decline of Amerindian traditions, replaced by European and West African pottery traditions, although some Amerindian traditions remained. The pottery manufacturing of 3 main cultural traditions are examined, discussing differences, as well as similarities due to cultural blending: Suazoid pottery, later Amerindian Island Carib pottery, with origins in the Guianas region, related to the Kar'ina, and current St Lucian, West African-influenced, "folk pottery". Authors conclude that all 3 traditions mainly use local clay, and include hand-built and low-fired pottery. Shaping techniques include coiling, and in today's pottery also fashioning with smaller lumps. Surfaces are smooth and polished in today's pottery, but more scraped and scratched in Suazoid vessels. Further, they find that decoration is uncommon in today's pottery, while Suazoid ceramics included decorations, and that vessel shapes tend to be simple in all 3 traditions. They also find that women have been the principal potters through time, although pottery was a male activity among the Island Caribs in the mid-17th c.

  10. CNOOC Cooperates with Santa Fe

    Institute of Scientific and Technical Information of China (English)

    Cao Sanyong; Wang Keyu

    1997-01-01

    @@ China National Offshore Oil Corporatian (CNOOC) signed the Petroleum Contract for 15/34 Block in the Pearl River Mouth Basin of South China Sea and the Petroleum Contract for 23/28 Block in the Beibu Gulf of South China Sea with Santa Fe Resources Inc. of the United States in Beijing on January 16, 1997.

  11. 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.

  12. Cord-Blood Banking

    Science.gov (United States)

    ... to Be Smart About Social Media Cord-Blood Banking KidsHealth > For Parents > Cord-Blood Banking Print A ... for you and your family. About Cord-Blood Banking Cord-blood banking basically means collecting and storing ...

  13. 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...

  14. Investment Banking

    OpenAIRE

    Oana Mihaela Vãsioiu

    2008-01-01

    The economic, financial and monetary changes had serious consequences not only on the level of providing the finance necessary for the development process but also on the level of providing the finance required for importing the basic food needs and rendering necessary production inputs. All these problems show the importance of “Banks” generally and “Investment Banks” particularly in the emerging and underdeveloped countries. Banks as financial institution or intermediary mobilize either nat...

  15. California State Waters Map Series: offshore of Santa Barbara, California

    Science.gov (United States)

    Johnson, Samuel Y.; Dartnell, Peter; Cochrane, Guy R.; Golden, Nadine E.; Phillips, Eleyne L.; Ritchie, Andrew C.; Greene, H. Gary; Krigsman, Lisa M.; Kvitek, Rikk G.; Dieter, Bryan E.; Endris, Charles A.; Seitz, Gordon G.; Sliter, Ray W.; Erdey, Mercedes D.; Gutierrez, Carlos I.; Wong, Florence L.; Yoklavich, Mary M.; Draut, Amy E.; Hart, Patrick E.; Conrad, James E.; Cochran, Susan A.; Johnson, Samuel Y.; Cochran, Susan A.

    2013-01-01

    and northwest by Point Conception and from the south and southwest by offshore islands and banks. The shelf is underlain by variable amounts of upper Quaternary shelf, estuarine, and fluvial sediments deposited as sea level fluctuated in the late Pleistocene. Seafloor habitats in the broad Santa Barbara Channel region consist of significant amounts of soft sediment and isolated areas of rocky habitat that support kelp-forest communities nearshore and rocky-reef communities in deep water. The potential marine benthic habitat types mapped in the Offshore of Santa Barbara map area are directly related to its Quaternary geologic history, geomorphology, and active sedimentary processes. These potential habitats, which lie within the Shelf (continental shelf) megahabitat, range from soft, unconsolidated sediment to hard sedimentary bedrock. This heterogeneous seafloor provides promising habitat for rockfish, groundfish, crabs, shrimp, and other marine benthic organisms.

  16. Santa Paulina, reconquista a territorialidade

    OpenAIRE

    Nascimento, José do

    2006-01-01

    Dissertação (mestrado) - Universidade Federal de Santa Catarina, Centro de Filosofia e Ciências Humanas. Programa de Pós-Graduação em História Esta dissertação trata de um estudo sobre a relação entre turismo e religiosidade a partir do estudo de caso do Santuário de Santa Paulina do Coração Agonizante de Jesus, em Nova Trento, no período de 1991 a 2005. Foi adotado o método de História Oral com a participação de diferentes atores, destacando-se os peregrinos ou passantes mais comumente de...

  17. “It's Just More Acceptable To Be White or Mixed Race and Gay Than Black and Gay”: The Perceptions and Experiences of Homophobia in St. Lucia

    Science.gov (United States)

    Couzens, Jimmy; Mahoney, Berenice; Wilkinson, Dean

    2017-01-01

    Lesbian, gay, and bisexual (LGB) individuals come from diverse cultural groups with differing ethnic and racial identities. However, most research on LGB people uses white western samples and studies of Afro-Caribbean diaspora often use Jamaican samples. Thus, the complexity of Afro-Caribbean LGB peoples' experiences of homophobia is largely unknown. The authors' analyses explore experiences of homophobia among LGB people in St. Lucia. Findings indicate issues of skin-shade orientated tolerance, regionalized disparities in levels of tolerance toward LGB people and regionalized passing (regionalized sexual identity shifting). Finally, the authors' findings indicate that skin shade identities and regional location influence the psychological health outcomes of homophobia experienced by LGB people in St. Lucia. PMID:28674508

  18. "It's Just More Acceptable To Be White or Mixed Race and Gay Than Black and Gay": The Perceptions and Experiences of Homophobia in St. Lucia.

    Science.gov (United States)

    Couzens, Jimmy; Mahoney, Berenice; Wilkinson, Dean

    2017-01-01

    Lesbian, gay, and bisexual (LGB) individuals come from diverse cultural groups with differing ethnic and racial identities. However, most research on LGB people uses white western samples and studies of Afro-Caribbean diaspora often use Jamaican samples. Thus, the complexity of Afro-Caribbean LGB peoples' experiences of homophobia is largely unknown. The authors' analyses explore experiences of homophobia among LGB people in St. Lucia. Findings indicate issues of skin-shade orientated tolerance, regionalized disparities in levels of tolerance toward LGB people and regionalized passing (regionalized sexual identity shifting). Finally, the authors' findings indicate that skin shade identities and regional location influence the psychological health outcomes of homophobia experienced by LGB people in St. Lucia.

  19. “It's Just More Acceptable To Be White or Mixed Race and Gay Than Black and Gay”: The Perceptions and Experiences of Homophobia in St. Lucia

    Directory of Open Access Journals (Sweden)

    Jimmy Couzens

    2017-06-01

    Full Text Available Lesbian, gay, and bisexual (LGB individuals come from diverse cultural groups with differing ethnic and racial identities. However, most research on LGB people uses white western samples and studies of Afro-Caribbean diaspora often use Jamaican samples. Thus, the complexity of Afro-Caribbean LGB peoples' experiences of homophobia is largely unknown. The authors' analyses explore experiences of homophobia among LGB people in St. Lucia. Findings indicate issues of skin-shade orientated tolerance, regionalized disparities in levels of tolerance toward LGB people and regionalized passing (regionalized sexual identity shifting. Finally, the authors' findings indicate that skin shade identities and regional location influence the psychological health outcomes of homophobia experienced by LGB people in St. Lucia.

  20. 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…

  1. 2009 Santa Fe Bone symposium.

    Science.gov (United States)

    Lewiecki, E Michael; Bilezikian, John P; Laster, Andrew J; Miller, Paul D; Recker, Robert R; Russell, R Graham G; Whyte, Michael P

    2010-01-01

    Osteoporosis is a common skeletal disease with serious clinical consequences because of fractures. Despite the availability of clinical tools to diagnose osteoporosis and assess fracture risk, and drugs proven to reduce fracture risk, it remains a disease that is underdiagnosed and undertreated. When treatment is started, it is commonly not taken correctly or long enough to be effective. Recent advances in understanding of the regulators and mediators of bone remodeling have led to new therapeutic targets and the development of drugs that may offer advantages over current agents in reducing the burden of osteoporotic fractures. Many genetic factors that play a role in the pathogenesis of osteoporosis and metabolic bone disease have now been identified. At the 2009 Santa Fe Bone Symposium, held in Santa Fe, New Mexico, USA, the links between advances in genetics, basic bone science, recent clinical trials, and new and emerging therapeutic agents were presented and explored. Socioeconomic challenges and opportunities in the care of osteoporosis were discussed. This is a collection of medical essays based on key presentations at the 2009 Santa Fe Bone Symposium.

  2. South Fork of the Santa Clara River, Santa Clarita Valley, California. Supplement.

    Science.gov (United States)

    1985-01-01

    Santa Eriodictyon trichocalyx Eucrypta Eucrypta chrysanthemifolia LAMIACEAE Purple Sage Salvia leucophylla PAEONIACEAE Peony Paeonia californica...Bush Lupine Lupinus ex-cubitus HYDROPHYLLACEAE Yerba Santa Eriodictyon trichocaLx Eucrypta Eucrypta chrysanthemifolia LAMIACEAE Purple Sage Salvia

  3. 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

  4. Nest predation and maternal care in the Nile crocodile (Crocodylus niloticus) at Lake St Lucia, South Africa.

    Science.gov (United States)

    Combrink, Xander; Warner, Jonathan K; Downs, Colleen T

    2016-12-01

    Information regarding nest predation, nest abandonment, and maternal care in the Nile crocodile (Crocodylus niloticus) is largely restricted to anecdotal observations, and has not been studied quantitatively. Consequently, we investigated their nesting biology using camera-traps over four years at Lake St Lucia, South Africa. We obtained 4305 photographs (daylight captures=90.1%, nocturnal=9.9%) of 19 nest-guarding females. Of 19 monitored nests, 37% were raided by predators (mean=12.1±6.2days subsequent to camera placement). All females returned to their nests following first predation, and on average returned three times between predator raids before nest abandonment. Water monitors (Varanus niloticus) and marsh mongoose (Atilax paludinosus) were the main egg predators. Nesting raids lasted 5.9±1.6days. Diurnally females were seldom on the nest, except during cool/cloudy weather or rain, preferring to guard from nearby shade. Females defended nests aggressively against non-human intruders. Five Nile crocodile females were observed liberating their hatchlings from nests. A detailed sequence of a mother excavating and transporting hatchlings revealed 13 excursions between nest and water over 32.5h. This, after months of continual nest attendance and defence, is illustrative of the high level of maternal care in Nile crocodiles. Camera-trapping is an effective, non-invasive method for further crocodile nesting behaviour research.

  5. 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.

  6. Banking Reform in Georgia

    OpenAIRE

    Mercan, Metin

    2006-01-01

    Georgia's banking system restructure began in 1991 when Soviet Union collopsed.This paper tries to compare and constract the performance of banks and banking system between 1999 and 2004 with banks in other transition countries. Although Georgia banking system showed a long processing in banking sector, it is still lags behind other transition countries Central and Eastern Europe. Neverthless.An efficient financial institution and performance will not come without further economic development...

  7. 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.

  8. 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.

  9. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

    Mar 1, 2013 ... However, the revolution in the banking industry in Nigeria started .... with the banks overall strategic and business plans, and adequate expertise should be employed to operate and ..... 2010 from http://www.bis./pub/bcbs/pdf.

  10. Internet Banking System Prototype

    CERN Document Server

    Alnaqeib, Rami; Jalab, Hamid A; Zaidan, M A; Hmood, Ali K

    2010-01-01

    Internet Banking System refers to systems that enable bank customers to access accounts and general information on bank products and services through a personal computer or other intelligent device. Internet banking products and services can include detailed account information for corporate customers as well as account summery and transfer money. Ultimately, the products and services obtained through Internet Banking may mirror products and services offered through other bank delivery channels. In this paper, Internet Banking System Prototype has been proposed in order to illustrate the services which is provided by the Bank online services.

  11. Application of different fertilizers in substrate for Kalanchoe luciae Raym.-Hamet cultivation Aplicação de diferentes fertilizantes em substrato de cultivo de Kalanchoe luciae Raym.-Hamet

    Directory of Open Access Journals (Sweden)

    Marília Andrade Lessa

    2009-08-01

    Full Text Available Succulents present great commercial importance, but information on the cultivation of these plants are not enough, especially considering the use of fertilizers during the growth phase. The objective of this study was to evaluate the effect of different fertilizers applied to the substrate in the cultivation of Kalanchoe luciae Raym.-Hamet. Cuttings measuring 6 cm in height and 12 cm in diameter were cultivated in 1.5 L pots containing the substrate (1 soil: 1 sand: 1 vermiculite. In this experiment, the effect of the fertilization based on NPK 10:10:10 was evaluated with and without the addition of a fertilizer mixture composed of 5 g bone flour, 5 g dolomite limestone, and 50 g ground charcoal, this proportion that was used for each 1.5 L substrate. After 60 days, an increase in the number of leaves, which was proportional to the increase in the doses of NPK applied, was verified. Even though the plants presented higher number of leaves (18.34 and higher height (18.73 cm for the substrate with 1.5 g L-1 of NPK 10:10:10, plants did not reach the compact aspect suggested by some producers. The addition of fertilizer mixture presented no effect on the leaves number and neither to the plant height, however, it was observed that the plants that received the fertilizer mixture presented the fifth leaf with bigger diameter. None of the treatments favored the formation of one of the most important characteristics of this species, the reddish color on the borders of the leaves.As suculentas apresentam grande importância comercial, mas, as informações sobre o cultivo destas plantas ainda são escassas, especialmente em relação à fertilização durante a fase de crescimento. Neste trabalho, objetivou-se avaliar o efeito de diferentes adubações no substrato para cultivo de Kalanchoe luciae Raym.- Hamet. Mudas com 6 cm de altura e 12 cm de diâmetro foram cultivadas em vasos de 1,5 L, contendo o substrato (1 terra:1 areia: 1 vermiculita. Avaliou

  12. 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

  13. Santa Barbara Final Technical Report

    Energy Technology Data Exchange (ETDEWEB)

    Hacker, Angela; Hansen, Sherman; Watkins, Ashley

    2013-11-30

    This report serves as the Final Report for Santa Barbara County’s Energy Efficiency and Conservation Block Grant (EECBG) BetterBuildings Neighborhood Program (BBNP) award from the U.S. Department of Energy (DOE). This report explains how DOE BBNP funding was invested to develop robust program infrastructure designed to help property owners complete energy improvements, thereby generating substantial outcomes for the local environment and economy. It provides an overview of program development and design within the grant period, program accomplishments and challenges to date, and a plan for the future sustainability of emPower, the County’s innovative clean energy and building efficiency program. During the grant period, Santa Barbara County’s emPower program primarily targeted 32,000 owner occupied, single family, detached residential homes over 25 years old within the County. In order to help these homeowners and their contractors overcome market barriers to completing residential energy improvements, the program developed and promoted six voluntary, market-based service areas: 1) low cost residential financing (loan loss reserve with two local credit unions), 2) residential rebates, 3) local customer service, 4) expert energy advising, 5) workforce development and training, and 6) marketing, education and outreach. The main goals of the program were to lower building energy use, create jobs and develop a lasting regional building performance market. These services have generated important early outcomes and lessons after the program’s first two years in service. The DOE BBNP funding was extended through October 2014 to enable Santa Barbara County to generate continued outcomes. In fact, funding related to residential financing remains wholly available for the foreseeable future to continue offering Home Upgrade Loans to approximately 1,300 homeowners. The County’s investment of DOE BBNP funding was used to build a lasting, effective, and innovative

  14. Digital surveying and new perspectives on the Byzantine Oratory of the Catacomb of Saint Lucia in Syracuse

    Directory of Open Access Journals (Sweden)

    Mariateresa Galizia

    2014-10-01

    Full Text Available The study conducted Oratory Byzantine catacombs of Saint Lucia in Syracuse comes from the observation of the precarious condition of the underground funerary complex from the point of view of the static structures, which have undergone several alterations over the centuries due to landslides, blockages, collapses and subsequent excavations, conservation of the frescoes found that as a result of survey campaigns that have occurred intermittently on the monument. These difficulties have conditioned the public opening of only a part of the catacombs -la region A and the Oratory of the Forty Martiri- leaving hidden the community many significant spaces including the Oratory. The research will then, through the survey instrument with laser scanner, acquire a geometric-formal documentation of this important area through a 3D model on which to investigate aspects of a static nature, geological, material, historical, archaeological, necessary for a proper design of future interventions for the protection and consolidation of the catacomb. In fact, the 3D model obtained is a virtual copy of the recorded space through which it is possible to speculate on some design and physical environmental conditions of the sites, such as lighting and ventilation, and on some solutions distribution-functional, providing also a possible model for 3D navigation allows the virtual tour of the places underground. The location of the site, the distribution of the planimetric and static environmental conditions represented in research critical issues to be addressed in the survey phase of underground sites, providing for the research group of the fixed points on which to structure a possible protocol operating acquisition, integration, management and processing of the acquired data subject to change.

  15. Crocodiles count on it: Regulation of discharge to Lake St Lucia Estuary by a South African peatland

    Science.gov (United States)

    Price, J. S.; Grundling, P.; Grootjans, A.

    2010-12-01

    The Mfabeni mire is located within the iSimangaliso Wetland Park in north-eastern KwaZulu-Natal Province on the Indian Ocean sea-board of South Africa. This mire complex includes open peatland with occurrences of sedge communities, Sphagnum (rare in South Africa), and swamp forest which is common in the region (but rare in South Africa). It is one of the largest (1650 ha), thickest (10.8 m of peat) and the oldest (~45,000 years Before Present) known peatlands in South Africa. The mire is almost pristine, with very few disturbances. In the past the surrounding area supported pine plantations but these alien trees were recently removed, with conservation and tourism the primary designated activities. Surface and groundwater exchanges to and within the mire and its surrounding coastal dune landscape were studied. Profiles of electrical conductivity and major cations and anions, as well as natural isotopes (δ2H and δ18O) in water samples of ground and surface water were also analysed to develop a conceptual model of the system’s hydrological function. Water efflux from an inland dune complex provides substantial recharge towards Mfabeni, while coastward hydraulic gradients from the dune complex through the wetland are evident. Consequently, the linkages between the dune system and Mfabeni, and the peatland’s water regulation function, dictate the nature and magnitude of the local freshwater discharge to the estuary, and internal water exchanges that control peatland ecological function. The hydrograph from the stream outlet indicate an initial rapid response in increased flows after major rainfall events but with a delayed drawdown over time reflecting the contribution of the relatively large size of the mire (comprising 38% of the catchment) in attenuating flood events and ensuring sustained flow to the estuary. Freshwater discharge from the Mfabeni mire to the St. Lucia estuary, which has provided refuge for aquatic species during periods of drought, may become

  16. The SantaBot experiment

    DEFF Research Database (Denmark)

    Hansen, Søren Tranberg; Svenstrup, Mikael; Andersen, Hans Jørgen

    2009-01-01

    interactive mobile agents into public urban transit area. To investigate the hypothesis, an experiment was carried out using a robot capable of navigating autonomously based on the input of an onboard laser scanner. The robot would detect and follow random people, who afterwards were asked to fill out......The video shows how an autonomous mobile robot dressed as Santa Claus is interacting with people in a shopping mall. The underlying hypothesis is that it is possible to create interesting new living spaces and induce value in terms of experiences, information or economics, by putting socially...... a questionnaire for quantitative analysis of the experiment. The presented video is the corresponding video documentation of the experiment used in the evaluation. The results showed that people were generally positive towards having mobile robots in this type of environment where shopping is combined...

  17. Presence of two cave bear species in La Lucia cave (Lamason, Cantabria, N. Spain) : Ursus deningeri von Reichenau and ursus spelaeus Rosenmüller-Heinroth

    OpenAIRE

    Camacho, A; Julià, R.; Cobo, R.; Ortiz, J.E.; Torres, T.; C. Puch; J.F. Llamas

    2005-01-01

    Se presenta el estudio paleontológico sistemático y tafonómico de dos acumulaciones de dientes y huesos de osos fósiles de la Cueva de la Lucia (Lamasón, Cantabria). Los restos de oso se localizaron en dos sitios distintos de la cueva : La Sala (LUS) y la Rampa (LUR). El inventario general de hallazgos y el cálculos de edades a partir del desgaste dentario revelan que en LUR, una parte remota de la cueva sin acceso directo, se han encontrado abundantes restos de U. deningeri que testimonian u...

  18. The Chinese Banking System

    OpenAIRE

    2012-01-01

    The Chinese banking system is critical to the functioning of the Chinese economy, being the main conduit through which savings are allocated to investment opportunities. Banking activity in China has grown rapidly over the past decade in association with the expansion of the Chinese economy, and the Chinese banking system now includes some of the world’s largest banks. Chinese banks have become more commercially orientated over this period, although the Chinese Government retains considerable...

  19. Predicting Small Bank Failure

    OpenAIRE

    Heyliger, Wilton E.; Don P. Holdren

    1991-01-01

    There are many studies of bank performance and bank failure in the literature. Most of these studies used banking ratios as variables in their models without giving consideration to their appropriateness, nor was much consideration given to the stability of those ratios through time and across asset size. Many studies also failed to recognize that bank structure may differ by asset size. This study evaluates a large number of banking variables in order to identify stable ratios. These ratios ...

  20. Banking Around the World

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    Chinese banks expands its "going out" strategy but faces challenges in establishing a presence in foreign markets The world’s biggest lender by market value, the Industrial and Commercial Bank of China (ICBC), and the Hong Kong-based Bank of East Asia signed an agreement in which ICBC would pay $140.23 million to buy an 80-percent inter- est in Bank of East Asia USA, the Hong Kong bank said on January 23.

  1. Central bank Financial Independence

    OpenAIRE

    J.Ramon Martinez-Resano

    2004-01-01

    Central bank independence is a multifaceted institutional design. The financial component has been seldom analysed. This paper intends to set a comprehensive conceptual background for central bank financial independence. Quite often central banks are modelled as robot like maximizers of some goal. This perspective neglects the fact that central bank functions are inevitably deployed on its balance sheet and have effects on its income statement. A financially independent central bank exhibits ...

  2. Banking service in Germany

    Institute of Scientific and Technical Information of China (English)

    余璐

    2014-01-01

    <正>Germany is the prototypical economy country.Banks in Germany’s economic life plays a very important role.Germany has a large number of Banks and very dense network of bank branches.Deutsche Bank is by far the biggest German bank and Commerzbank is the second biggest.But with all the economic turmoil in the world these days,such rankings can change within

  3. 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...... 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....

  4. 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...... 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....

  5. Contours--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for the bathymetric contours for several seafloor maps (see sheets 1, 2, 3, 7, 10, SIM 3281) of the Offshore of Santa Barbara...

  6. La Ex Hacienda de Santa Cruz

    Directory of Open Access Journals (Sweden)

    Berta Pinto de Estrada

    1975-06-01

    Full Text Available Ex hacienda Santa Cruz was chosen to show the differences in the geographic and economic structure, and the historic causes that originated them, as an example of ihe situation in the northem part of Campeche.

  7. Folds--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the folds for the geologic and geomorphic map of the Offshore Santa Cruz map area, California. The vector data file is...

  8. Faults--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the faults for the geologic and geomorphic map of the Offshore Santa Cruz map area, California. The vector data file is...

  9. Folds--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the folds for the geologic and geomorphic map of the Offshore Santa Cruz map area, California. The vector data file is included...

  10. Folds--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the folds for the geologic and geomorphic map of the Offshore Santa Cruz map area, California. The vector data file is included...

  11. Faults--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the faults for the geologic and geomorphic map of the Offshore Santa Cruz map area, California. The vector data file is...

  12. Habitat--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for the habitat map of the seafloor (see sheet 7, SIM 3281) of the Offshore of Santa Barbara map area, California. The vector...

  13. Bathymetry--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the bathymetry and shaded-relief maps of Offshore Santa Cruz, California. The raster data file is included in...

  14. Habitat--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the habitat map of the seafloor of the Offshore of Santa Cruz map area, California. The vector data file is included in...

  15. Folds--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for folds for the geologic and geomorphic map (see sheet 10, SIM 3281) of the Offshore of Santa Barbara map area, California. The...

  16. Habitat--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the habitat map of the seafloor of the Offshore of Santa Cruz map area, California. The vector data file is included in...

  17. Bathymetry Hillshade--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the bathymetry and shaded-relief maps of Offshore Santa Cruz, California. The raster data file is included in...

  18. Contours--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the bathymetric contours for several seafloor maps of the Offshore Santa Cruz map area, California. The vector data file is...

  19. Faults--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for folds for the geologic and geomorphic map (see sheet 10, SIM 3281) of the Offshore of Santa Barbara map area, California....

  20. Folds--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for folds for the geologic and geomorphic map (see sheet 10, SIM 3281) of the Offshore of Santa Barbara map area, California....

  1. Bathymetry--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the bathymetry and shaded-relief maps of Offshore Santa Cruz, California. The raster data file is included in...

  2. Backscatter [SWATH]--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the acoustic-backscatter map of Offshore of Santa Cruz map area, California. Backscatter data are provided as three separate...

  3. Backscatter [SWATH]--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the acoustic-backscatter map of Offshore of Santa Cruz map area, California. Backscatter data are provided as three separate...

  4. Faults--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for folds for the geologic and geomorphic map (see sheet 10, SIM 3281) of the Offshore of Santa Barbara map area, California. The...

  5. Faults--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for folds for the geologic and geomorphic map (see sheet 10, SIM 3281) of the Offshore of Santa Barbara map area, California. The...

  6. Folds--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for folds for the geologic and geomorphic map (see sheet 10, SIM 3281) of the Offshore of Santa Barbara map area, California. The...

  7. Bathymetry Hillshade--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the bathymetry and shaded-relief maps of Offshore Santa Cruz, California. The raster data file is included in...

  8. Contours--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the bathymetric contours for several seafloor maps of the Offshore Santa Cruz map area, California. The vector data file is...

  9. "Shadow Banking: Policy Challenges for Central Banks"

    OpenAIRE

    Moe, Thorvald Grung

    2014-01-01

    Central banks responded with exceptional liquidity support during the financial crisis to prevent a systemic meltdown. They broadened their tool kit and extended liquidity support to nonbanks and key financial markets. Many want central banks to embrace this expanded role as "market maker of last resort" going forward. This would provide a liquidity backstop for systemically important markets and the shadow banking system that is deeply integrated with these markets. But how much liquidity su...

  10. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

    Full Text Available Islamic Banking Liquidity Management. This article is about management of liquidity which discuss about the position of cash money in the company and its ability to fulfill the obligation (pay the debt on time. Management of liquidity is one of the essential function which is done by banking institution and inside its efficient management, is needed instrument and finance market which is taking not only short term but also long term, and not only conventional banking but also syariat. Through that natural necessity (placement and fulfillment of short term need, for Islamic banking in Indonesia has been availabled some instruments such as (IMA certificate of Mudhorobah Investment between bank, (PUAS market banking regulations between syariat bank, (SWBI Bank of Indonesia Wadiah certificate, (FPJPS provision about short term cost facility for Islamic banks  DOI:10.15408/aiq.v6i1.1371

  11. La presencia de Ixodes luciae en el noroeste argentino y nuevos huéspedes para Ixodes pararicinus y algunas especies de Amblyomma (Acari: Ixodidae

    Directory of Open Access Journals (Sweden)

    Analía G. AUTINO

    2006-01-01

    Full Text Available El análisis de una colección de garrapatas de mamíferos del noroeste argentino, depositados en la Colección de Anexos de la Colección Mamíferos Lillo (CML de la Universidad Nacional de Tucumán, permitió ampliar el área de distribución de Ixodes luciae Sénevet, a las provincias de Salta y Tucumán e incrementar su rango de huéspedes al roedor sigmodontino Calomys callosus (Rengger y a los marsupiales de la familia Didelphidae Micoureus constantiae (Thomas, Thylamys cinderella Thomas y Thylamys venustus (Thomas. Se registró a C. callosus y Oligoryzomys destructor (Tschudi como nuevos huéspedes de Ixodes pararicinus Keirans & Clifford, y a los Carnivora Lycalopex gymnocercus (Fischer y Oncifelis geoffroyi (d ́Orbigny & Gervais como nuevos huéspedes de Amblyomma neumanni Ribaga y Amblyomma parvum Aragão, respectivamente. Adicionalmente, se observó la infestación de Lutreolina crassicaudata (Desmarest (Didelphidae por I. luciae y la presencia de Amblyomma tigrinum Koch, sobre L. gymnocercus. Ninfas de Amblyomma sp. se obtuvieron de Akodon Meyen (Sigmodontinae.

  12. [RESPECT FOR AUTONOMY AND CONFIDENTIALITY, BETWEEN "ETHICAL NORMS' AND "LOCAL MORALITY". AN ANTHROPOLOGICAL ANALYSIS OF ETHICS OF CARE IN ST LUCIA].

    Science.gov (United States)

    Meudec, Marie

    2015-10-01

    This article considers the difficulty of applying ethical norms as part of an anthropological research on moralities and ethics of healing practices in St. Lucia (Caribbean). This reflection is based on the moral evaluations related to obeah, locally conceived as a set of magical, religious and witchcraft practices that helps to manage disease and misfortune. Through the analysis of local conceptions surrounding the ethical notions of autonomy and confidentiality, I call attention to potential nuisance caused by the application of principles of beneficence and respect for the individual. Indeed, local idioms that are moral discretion and self-sufficiency, which can respectively refer to the concepts of autonomy and confidentiality, are, paradoxically, both valued and likely to be associated with dubious morality. I will demonstrate that the fact of applying these principles in all ethnographic relationship may harm interlocutors by increasing, in the case of St. Lucia, the risk of witchcraft accusations and derogatory moral attributions. The anthropological field experience presented here questions the principles of beneficence and respect for the individual as defined in the field of research ethics; it also imposes the need to think about their adaptation to suit local representations. This leads to recommend a pragmatic and emerging ethics of anthropological research/practice.

  13. Evidence of El Niño driven desiccation cycles in a shallow estuarine lake: The evolution and fate of Africa's largest estuarine system, Lake St Lucia

    Science.gov (United States)

    Humphries, M. S.; Green, A. N.; Finch, J. M.

    2016-12-01

    Projections of an increase in drought frequency and intensity over the next century are expected to have severe implications for a number of globally important coastal ecosystems. In this paper, we present geochemical data from three sediment cores extracted from the main depositional basins of Lake St Lucia, Africa's largest estuarine system. Lake St Lucia is subject to extreme natural variations in salinity. The sedimentary record documents the evolution of the system from a relatively deep-water, open lagoon to a confined, shallow estuarine lake that today is highly sensitive to changes in freshwater supply. This is particularly evident in the northern portions of the system, where the presence of distinct halite-enriched horizons document episodes of prolonged drought. The lateral persistence of these halite layers, as revealed by seismic profiling, point to a system-wide onset of desiccation associated with a major shift in the regional hydroclimate. The most severe drought events identified, which may have lasted several years, occur at 1100 and 1750 cal year BP, and are associated with known peaks in El Niño frequency and intensity. Our analyses suggest that past cycles of desiccation and hyper-salinity have been controlled by climatic changes related to ENSO intensification. This study provides a valuable new record from a key ENSO-sensitive region of the Southern Hemisphere. Our findings have important relevance for understanding ENSO variability across the Indo-Pacific region and the influence exerted on systems sensitive to changes in moisture balance.

  14. The role of water and sediment connectivity in integrated flood management: a case study on the island of Saint Lucia

    Science.gov (United States)

    Jetten, Victor; van Westen, Cees; Ettema, Janneke; van den Bout, Bastian

    2016-04-01

    Disaster Risk Management combines the effects of natural hazards in time and space, with elements at risk, such as ourselves, infrastructure or other elements that have a value in our society. The risk in this case is defined as the sum of potential consequences of one or more hazards and can be expressed as potential damages. Generally, we attempt to reduce risk by better risk management, such as increase of resilience, protection and spatial planning. Caribbean islands are hit by hurricanes and tropical storms with a frequency of 1 to 2 every 10 years, with devastating consequences in terms of flash floods and landslides. The islands basically consist of a central (volcanic) mountain range, with medium and small sized catchments radiating outward towards the ocean. The coastal zone is inhabited, while the ring road network is essential for functioning of the island. An example of a case study is given for the island of Saint Lucia. Recorded rainfall intensities during tropical storms of 12 rainfall stations surpass 200 mm/h, causing immediate flash floods. Very often however, sediment is a forgotten variable in flash flood management: protection and mitigation measures as well as spatial planning all focus on the hydrology, the extent and depth of flood water, and sometimes of flood velocities. With recent developments, the opensource model LISEM includes hydrology and runoff, flooding, and erosion, transport and deposition both in runoff, channel flow and flood waters. We will discuss the practical solutions we implemented in connecting slopes, river channels and floodplains in terms of water and sediment, and the strength and weaknesses we have encountered so far. Catchment analysis shows two main effects: on the one hand in almost all cases upstream flooding serves as a temporary water storage that prevents further damage downstream, while on the other hand, erosion upstream often blocks bridges and decreases channel storage downstream, which increases the

  15. 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.

  16. Banking Postal Savings Bank in Sight

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

    @@ Nine years of controversy regarding a national postal savings bank is expected to finally conclude this year. In April, the China Banking Regulatory Commission (CBRC)announced the establishment of a new department, one of the main functions of which will be to supervise postal savings.

  17. Kewenangan Bank Indonesia Dalam Likuiditas Bank Umum

    OpenAIRE

    Silvana R

    2008-01-01

    Perbankan merupakan pokok dari sistem keuangan setiap negara, karena perbankan merupakan salah satu motor penggerak pembangunan seluruh bangsa. Krisis perbankan berdampak pada turunnya kepercayaan masyarakat terhadap industri perbankan. Berbagai masalah di sektor perbankan yang tidak terdeteksi secara dini akan mengakibatkan runtuhnya kepercayaan masyarakat terhadap industri perbankan, Skripsi mi mengemukakan bagaimana penilaian kesehatan bank umum yang dilakukan oleh Bank Indonesia, bagai...

  18. Systemic banking crises

    OpenAIRE

    O. Emre Ergungor; James B. Thomson

    2005-01-01

    Systemic banking crises can have devastating effects on the economies of developing or industrialized countries. This Policy Discussion Paper reviews the factors that weaken banking systems and make them more susceptible to crises.

  19. FOREIGN BANKS WELCOMED

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    Honoring its WTO commitments, China has begun to allow local incorporation by foreign banks, endowing them with the same status as their Chinese counterparts in an attempt to encourage diversified development in the Chinese banking sector On March 18, Wi

  20. 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...

  1. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

    mechanism deployable at the discretion of the resolution authority must be available to supply liquidity to a reorganizing bank. On these conditions, a viable and realistic Banking Union would be within reach--and the resolution of global financial institutions would be greatly facilitated, not least......The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States' disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure...

  2. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

    at the discretion of the resolution authority must be available to supply liquidity to a reorganizing bank. On these conditions, a viable and realistic Banking Union would be within reach — and the resolution of global financial institutions would be greatly facilitated, not least in a transatlantic perspective.......The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States’ disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure...

  3. 令人陶醉的Santa Fe

    Institute of Scientific and Technical Information of China (English)

    潘小松

    1999-01-01

    假如用汉字代替Santa Fe,这个名字就失去了许多诗意。四百多年来,Santa Fe市吸引了全世界的人们。人们惊叹她的新墨西哥式的自然美,享受那里宜人的气候,赞美那丰富的西班牙和印第安文化。Santa Fe是美国最早的行政首府,也是贸易和宗教的中枢,还是音乐、建筑、美术和休闲的胜地。Santa Fe蜿蜒的小路、长着当地花草的园子和四周的山景都叫人心旷神怡。在美国没有别的城市像Santa Fe这样保护自己的文化并为之感到骄傲。她的自然美和人文传统赢得了神圣的赞誉。Santa Fe坐落在落基山脚下,每晚日落时分,这里一片鲜红,人们称之为"基督的血"。远在清教徒登陆普利茅斯之前,西班牙人就在Santa Fe建立了政府。今天,这座城市是世界旅游胜地,是美国第三大美术作品

  4. 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 ...

  5. Time banking som ledelsesteknologi

    OpenAIRE

    Steensberg, Maja; Nielsen, Nadia Holm; Thomsen, Søren Tolshave

    2014-01-01

    This project examines how the English time banks Timber Wharf, Echo and Fair Shares affect their members and local environments. Based on Nikolas Rose’s theory on governmentality it is discussed, whether the time banks, understood as political actors, are challenging or reproducing neo-liberal governance. It is concluded that the way the time banks facilitates the concept of timebanking differs greatly. These different conducts are shaping the way in which the time banks are used by their mem...

  6. 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 ...

  7. Essays on banking

    OpenAIRE

    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. The last chapter is joint work with Hans Degryse, Jose Liberti and Steven Ongena and studies how banks use ‘soft information’ to monitor small firms. This dissertation uses hand collected internal...

  8. Easier Bank Access

    Institute of Scientific and Technical Information of China (English)

    Wang Jun

    2015-01-01

    Loosened banking regulations may spur an increase of foreign banks in China Foreign banks will soon have a much easier time setting up outlets in China.According to regulations recently amended by the State Council,as of January 1,foreign

  9. A BANK MANAGER SPEAKS

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    My name is Jane Carson and I'm the manager of savings bank in Portland,Oregon,My bank is open every day from8:30 in the moming until 4:00 in the aftermoon.On Fridays the bank remains oper until 6:30 in the evening.

  10. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    Regulators issue policies to guide China’s banks as massive loans compromise the banking sector’s ability to contain future risks R egulatory departments are strengthening their supervision over financial institutions to prevent an incomprehensible financial scenario from unfolding: the failure of the Chinese banking

  11. Banking on Change

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    The opening up of China’s banking sector took another giant step forward on March 20 when the first four foreign banks gained approval to incorporate locally. After going through commercial registration formalities, the banks will be able to con- duc

  12. 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

  13. 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.

  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. Macroeconomia do Turismo Argentino em Santa Catarina

    Directory of Open Access Journals (Sweden)

    Roberto Meurer

    2010-07-01

    Full Text Available Resumo O Estado de Santa Catarina experimentou um considerável crescimento do setor de turismo nas últimas décadas. O fluxo turístico de origem argentina revelou-se um ingrediente importante dessa trajetória. Este artigo focaliza um aspecto pouco explorado, aparentemente, da participação argentina no turismo estadual: a relação entre a situação macroeconômica do país vizinho e a demanda turística por Santa Catarina lá originada. Começa-se abordando brevemente a problemática geral da macroeconomia do turismo. Depois, discorre-se sobre o crescimento desse setor em Santa Catarina, destacando a presença de argentinos. A terceira parte desenvolve uma análise baseada em tratamento estatístico de dados sobre demanda e receita geradas por esses turistas no estado, com exame das correlações envolvendo taxa de câmbio e taxa de crescimento do PIB da Argentina. Palavras-chave: turismo; Santa Catarina; turistas argentinos; economia argentina Abstract The State of Santa Catarina has witnessed a considerable development of its tourist sector in the last decades. The demand from Argentina has proved to be an important factor of that growth. This article deals with a feature of the presence of Argentinians in the state which seems to be scarcely studied: the relationship between the macroeconomic situation of Argentina and the tourist demand in Santa Catarina originated from that country. The first part of the article considers briefly the general issue of tourism macroeconomics. The second one looks upon tourism growth in Santa Catarina, stressing the presence of visitors from Argentine. The third section develops an analysis based on statistical treatment of data concerning demand and income generated by such tourists in Santa Catarina, involving correlations that consider aspects like exchange rate and the rate of GDP increase in Argentina. Keywords: tourism; Santa Catarina; tourists from Argentina; Argentina’s economy

  16. La fábrica de cristal y vidrio de Santa Lucía (Cartagena y el sector del vidrio español (1834-1908

    Directory of Open Access Journals (Sweden)

    Martínez Carrión, J. M.

    2002-06-01

    Full Text Available This article is a contribution to the Spanish glass industry from the knowledge of Fabrica de Cristal y Vidrio de Santa Lucia (Cartagena during the XIXth century. The evolution of this company is accomplished within the context of the Spanish sector underlining some phases: Its impulse during 1840´s and 1850´s, market problems and competition in the last decades of the XIXth century, and its restructuring at the beginning of the XXth century, which ended with an intense process of concentration and internationalization that affected plane glass and hollow glass. Likewise, industrial location factors, regional distribution of the production, and changes occurred in its various branches between 1856 and 1905 are reported. Data reveal the leading role of this factory from Cartagena in the glass industry and, particularly, its specialization in crystal, glassware of best quality, and white cut glass during the Restoration period.

    El trabajo contribuye al conocimiento de la industria del vidrio español durante el siglo XIX a partir de la Fábrica de Cristal y Vidrio de Santa Lucia (Cartagena. La evolución de la empresa es analizada en el contexto del sector español, destacándose varias fases: el impulso que vivió el sector en las décadas de 1840 y 1850, los problemas de mercado y competitividad en las décadas finales del siglo XIX y la reestructuración de comienzos del siglo XX. Esta última acabó con la formación de estructuras de oligopolio que afectaron a las ramas del vidrio plano y del vidrio hueco. Se destacan, asimismo, los factores de localización industrial, la distribución regional de la producción y los cambios acaecidos en sus diferentes ramas entre 1856 y 1905. Los datos aportados revelan el protagonismo de la empresa de Cartagena en el sector vidriero, y en particular su especialización en cristal y vidrio blanco tallado durante el periodo de la Restauración.

  17. An evaluation of ambient sulphur dioxide concentrations from passive degassing of the Sulphur Springs, Saint Lucia geothermal system: Implications for human health

    Science.gov (United States)

    Joseph, Erouscilla P.; Beckles, Denise M.; Cox, Leonette; Jackson, Viveka B.; Alexander, Dominic

    2015-10-01

    Sulphur Springs Park in Saint Lucia is a site of energetic geothermal activity associated with the potentially active Soufrière Volcanic Centre. The Park is one of Saint Lucia's most important tourist attractions, and is marketed as the 'world's only drive-in volcano'. It has an on-site staff of tour guides and vendors, as well as over 200,000 visitors annually. There are also a number of residents living in the areas bordering the Park. Recreational use is made of the geothermal waters for bathing, application of mud masques, and in some cases drinking. As part of the University of the West Indies, Seismic Research Centre's (UWI-SRC's) overall volcano monitoring programme for Saint Lucia, the volcanic emissions at Sulphur Springs (hot springs, mud pools and fumaroles) have been regularly monitored since 2001. In recent years, visitors, staff, and management at the Park have expressed concern about the health effects of exposure to volcanic emissions from the hydrothermal system. In response to this, SRC has expanded its regular geothermal monitoring programme to include a preliminary evaluation of ambient sulphur dioxide (SO2) concentrations in and around the Park, to assess the possible implications for human health. Passive diffusion tubes were used to measure the atmospheric SO2 concentrations at various sites in Sulphur Springs Park (SSP), in the town of Soufrière and in the capital of Castries. Measurements of average monthly ambient SO2 with the passive samplers indicated that during the dry season period of April to July 2014 concentration at sites closest to the main vents at SSP (Group 1), which are routinely used by staff and visitors, frequently exceeded the WHO 10-minute AQG for SO2 of 500 μg/m3. However, for sites that were more distal to the main venting area (Groups 2 and 3), the average monthly ambient SO2 did not exceed the WHO 10-minute AQG for SO2 of 500 μg/m3 during the entire monitoring period. The measured concentrations and dispersion

  18. 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.

  19. La presencia de Ixodes luciae en el noroeste argentino y nuevos huéspedes para Ixodes pararicinus y algunas especies de Amblyomma (Acari: Ixodidae Presence of Ixodes luciae in Argentina northwest and new hosts for Ixodes pararicinus and some species of Amblyomma (Acari: Ixodidae

    Directory of Open Access Journals (Sweden)

    Analía G. Autino

    2006-07-01

    Full Text Available El análisis de una colección de garrapatas de mamíferos del noroeste argentino, depositados en la Colección de Anexos de la Colección Mamíferos Lillo (CML de la Universidad Nacional de Tucumán, permitió ampliar el área de distribución de Ixodes luciae Sénevet, a las provincias de Salta y Tucumán e incrementar su rango de huéspedes al roedor sigmodontino Calomys callosus (Rengger y a los marsupiales de la familia Didelphidae Micoureus constantiae (Thomas, Thylamys cinderella Thomas y Thylamys venustus (Thomas. Se registró a C . callosus y Oligoryzomys destructor (Tschudi como nuevos huéspedes de Ixodes pararicinus Keirans & Clifford, y a los Carnivora Lycalopex gymnocercus (Fischer y Oncifelis geoffroyi (d´Orbigny & Gervais como nuevos huéspedes de Amblyomma neumanni Ribaga y Amblyomma parvum Aragão, respectivamente. Adicionalmente, se observó la infestación de Lutreolina crassicaudata (Desmarest (Didelphidae por I. luciae y la presencia de Amblyomma tigrinum Koch, sobre L. gymnocercus . Ninfas de Amblyomma sp . se obtuvieron de Akodon Meyen (Sigmodontinae.The analysis of a tick collection of mammals from northwestern Argentina deposited in the Annexes (ACML of Colección Mamíferos Lillo (CML National University of Tucumán, amplified the distribution of Ixodes luciae Sénevet, to Salta and Tucumán provinces and increased the host range to the sigmodontinae rodent Calomys callosus (Rengger and the Didelphidae Micoureus constantiae (Thomas, Thylamys cinderella Thomas and Thylamys venustus (Thomas. Calomys callosus and Oligoryzomys destructor (Tschudi were registered as new hosts of Ixodes pararicinus Keirans & Clifford, and the Carnivora Lycalopex gymnocercus (Fischer and Oncifelis geoffroyi (d´Orbigny & Gervais as new hosts of Amblyomma neumanni Ribaga, and Amblyomma parvum Aragão, respectively . Lutreolina crassicaudata (Desmarest (Didelphidae was also found infested with I. luciae while Amblyomma tigrinum Koch was

  20. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

    The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States' disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure....... The FDIC's experience teaches us three important lessons: First, systemically important financial institutions need to have in their liability structure sufficient unsecured (or otherwise subordinated) term debt so that in the event of bank failure, the conversion of debt into equity will be sufficient...

  1. Central bank capital, financial strength, and the Bank of Japan

    OpenAIRE

    Thomas F. Cargill

    2006-01-01

    This Economic Letter addresses central bank capital and financial strength in the context of Bank of Japan policy (Cargill 2005). Specifically, it reviews general considerations about central bank capital and financial strength, discusses recent Bank of Japan policy in the context of capital structure, evaluates the Bank of Japan's concern in the context of the broader issue of central bank independence, and draws some lessons from recent Bank of Japan policy.

  2. Geology of the Santa Elena Peninsula, Costa Rica and its implications for the tectonic evolution of the Central America-Caribbean region

    Energy Technology Data Exchange (ETDEWEB)

    Lew, L.R.

    1985-01-01

    The Santa Elena Peninsula of Costa Rice represents an Aptian to Middle Eocene intraoceanic volcanic arc formed on a basement of serpentinized periodotite. This peridotite was probably part of the oceanic lithosphere formed at a spreading ridge which began to separate South America from North America in pre-Jurassic time. The arc resulted from northward subduction of oceanic crust along one ENE-trending trench about 70 km south of Santa Elena. The first phase of tectonism, arc volcanism, and sedimentation occurred in the area from Aptian to Campanian time. Carbonate bank limestone were deposited on the peridotite, which had been tilted and uplifted along E-W-trending high angle faults. A second volcanic arc developed above the limestone and was active until the Middle Eocene. From the Campanian to the Middle Eocene a forearc basin evolved south of the arc and a backarc basin north of it. A major Middle Eocene tectonic episode was associated with termination of activity of the Santa Elena subduction zone. This involved both thin-skinned deformation and reactivation of the steep basement faults to juxtapose peridotite and Campanian to Middle Eocene sediments. Existing models of the early plate tectonic evolution of the region, postulating initiation of spreading in the Jurassic, and development of a major transform in the Santa Elena area in the Cretaceous, are incompatible with the geology of the Santa Elena area. New models have been formulated genetically relating the structures in the Santa Elena tectonic province to northward subduction.

  3. Challenges and Perspectives for Tertiary Level Hospitals in Bolivia: The case of Santa Cruz de La Sierra Department.

    Science.gov (United States)

    Medici, André

    2015-01-01

    Current legislation transferred public tertiary hospitals in Bolivia from the Municipalities to the Regional Level. However, the Regional Governments are experiencing technical and financial constraints to reform infrastructure, modernize equipment and introduce reforms to allow better governance, management and sustainability of these hospitals. This articles summarizes the recent experience of the Government of Santa Cruz de la Sierra in Bolivia where five tertiary hospitals and blood bank (most of them in precarious working conditions) has been transferred in 2012 from the Municipal Government of Santa Cruz (the capital) to the Regional Government of Santa Cruz. To face the challenges, the Regional Government of Santa Cruz implement several improvements, such as contract new clinical and administrative personal, increases hospital budgetary autonomy, outsource hospitals' auxiliary services, take measures to eliminate waiting lists and make several new investments to modernize and equip the hospitals. The World Bank was contracted to evaluated the future financial sustainability of these investments and to advice the Government to propose changes to increase the hospitals' management performance. The article describes the remaining challenges in these hospitals and the proposals from the World Bank Study. In the area of quality of care, the main challenge is to improve client satisfaction and continuous outcomes monitoring and evaluation according quality standards. In the area of financing, the challenge is how to assure the sustainability of these hospitals with the current level of health financing and the insufficient financial transfers from the National Government. In the area of Governance, reforms to streamline and simplify internal processes need to be introduced in order to establish mechanisms to increase transparency and accountability, allowing the hospital to have a good administration and adequate participation of the main actors in the guidance of

  4. 78 FR 66982 - Santa Clara Pueblo Disaster #NM-00039

    Science.gov (United States)

    2013-11-07

    ... ADMINISTRATION Santa Clara Pueblo Disaster NM-00039 AGENCY: U.S. Small Business Administration. ACTION: Notice... for the Santa Clara Pueblo (FEMA- 4151-DR), dated 10/29/2013. Incident: Severe Storms and Flooding... disaster: Primary Areas: Santa Clara Pueblo. The Interest Rates are: Percent For Physical Damage:...

  5. 27 CFR 9.126 - Santa Clara Valley.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 1 2010-04-01 2010-04-01 false Santa Clara Valley. 9.126... Santa Clara Valley. (a) Name. The name of the viticultural area described in this section is “Santa Clara Valley.” (b) Approved Maps. The appropriate maps for determining the boundaries of the...

  6. Banking System in Kyrgyz Republic

    OpenAIRE

    Sagbansu, Lutfu

    2006-01-01

    This paper examines the overall banking system and the basic banking system development factors such as internet banking and deposit insurance in the world and particularly in Kyrgyzstan. The analyses show that progress in banking reform, introduction of deposit insurance and internet banking concepts are essential for avoiding harmful problems, development stable and solvent banking system. These developments include the more effective regulation of the entry and exit of banks, removal of ob...

  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. Tissue banking in australia.

    Science.gov (United States)

    Ireland, Lynette; McKelvie, Helen

    2003-01-01

    The legal structure for the regulation of tissue banking has existed for many years. In Australia, the donation of human tissue is regulated by legislation in each of the eight States and Territories. These substantially uniform Acts were passed in the late 1970's and early 1980's, based on model legislation and underpinned by the concept of consensual giving. However, it was not until the early 1990's that tissue banking came under the notice of regulatory authorities. Since then the Australian Government has moved quickly to oversee the tissue banking sector in Australia. Banked human tissue has been deemed to be a therapeutic good under the Therapeutic Goods Act 1989, and tissue banks are required to be licensed by the Therapeutic Goods Administration and are audited for compliance with the Code of Good Manufacturing Practice- Human Blood and Tissues. In addition, tissue banks must comply with a myriad of other standards, guidelines and recommendations.

  9. Contours--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for the bathymetric contours for several seafloor maps (see sheets 1, 2, 3, 7, 10, SIM 3281) of the Offshore of Santa Barbara map...

  10. Santa Legends From Around the World

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

    The tradition of children receiving gifts during the month of December is relatively the same no matter where you go in the world, but the character that brings the gifts can vary quite a bit from country to country. The following are the top five Santa legends from around the world.

  11. Ecotourism: The Santa Elena Rainforest Project.

    Science.gov (United States)

    Wearing, Stephen

    1993-01-01

    Describes an ecotourism project in which the community of Santa Elena, Costa Rica, are developing a rainforest reserve on government land leased permanently to the local high school. Discusses the impact of the project on the community's economy and environment. (Contains 30 references.) (MDH)

  12. Bathymetry--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for the bathymetry and shaded-relief maps (see sheets 1, 2, SIM 3281) of the Offshore of Santa Barbara map area, California. The...

  13. Santa Fe Junior College, Gainesville, Florida.

    Science.gov (United States)

    Caudill, Rowlett and Scott, Architects, Houston, TX.

    The design of Santa Fe Junior College is examined, beginning with the development of an educational philosophy. Subsequent design decisions are based largely upon this philosophy which emphasizes the development of the individual student and the fulfillment of his needs. Further, the need for flexibility is recognized and is an important aspect of…

  14. Hyperspectral Ocean Color Science: Santa Barbara Channel

    Science.gov (United States)

    2016-06-07

    goal of the PnB in situ sampling program is to develop state-of-the- art ocean color algorithms for Case II waters like those found in the Santa Barbara...S.Maritorena and W. Robinson, 1999: Atmospheric correction of satellite ocean color imagery: The black pixel assumption. Submitted to Applied Optics. Toole

  15. COMMERCIAL BANK LIQUIDITY MANAGEMENT

    OpenAIRE

    KOREKOV A.V.

    2015-01-01

    Bank liquidity management and optimal resource allocation of commercial bank Nostro accounts balances receive much less attention from the scientists compared to the questions on capital structure, funding, credit risk analysis and stress testing. Optimal liquidity management is a way to lower bank costs and risks, which are going to increase over time, especially when money markets are dry of free funds. There are two sides of the issue to be analyzed. The optimal resource allocation and cor...

  16. Bank Record Processing

    Science.gov (United States)

    1982-01-01

    Barnett Banks of Florida, Inc. operates 150 banking offices in 80 Florida cities. Banking offices have computerized systems for processing deposits or withdrawals in checking/savings accounts, and for handling commercial and installment loan transactions. In developing a network engineering design for the terminals used in record processing, an affiliate, Barnett Computing Company, used COSMIC's STATCOM program. This program provided a reliable network design tool and avoided the cost of developing new software.

  17. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    Bank resolution is a key pillar of the European Banking Union. This column argues that the current structure of large EU banks is not conducive to an effective and unbiased resolution procedure. The authors would require systemically important banks to reorganise into a ‘holding company’ structure......, where the parent company holds unsecured term debt sufficient to cover losses at its operating financial subsidiaries. This would facilitate a ‘single point of entry’ resolution procedure, minimising the risk of creditor runs and destructive ring-fencing by national regulators....

  18. Preliminary geologic map of the Santa Barbara coastal plain area, Santa Barbara County, California

    Science.gov (United States)

    Minor, Scott A.; Kellogg, Karl S.; Stanley, Richard G.; Stone, Paul; Powell, Charles L.; Gurrola, Larry D.; Selting, Amy J.; Brandt, Theodore R.

    2002-01-01

    This report presents a new geologic digital map of the Santa Barbara coastal plain area at a compilation scale of 1:24,000 (one inch on the map = 2,000 feet on the ground) and with a horizontal positional accuracy of at least 20 m. This preliminary map depicts the distribution of bedrock units and surficial deposits and associated deformation underlying and adjacent to the coastal plain within the contiguous Santa Barbara and Goleta 7.5' quadrangles. A planned second version will extend the mapping westward into the adjoining Dos Pueblos Canyon quadrangle and eastward into the Carpinteria quadrangle. The mapping presented here results from the collaborative efforts of geologists with the U.S. Geological Survey Southern California Areal Mapping Project (SCAMP) (Minor, Kellogg, Stanley, Stone, and Powell) and the tectonic geomorphology research group at the University of California at Santa Barbara (Gurrola and Selting). C.L. Powell, II, performed all new fossil identifications and interpretations reported herein. T.R. Brandt designed and edited the GIS database,performed GIS database integration and created the digital cartography for the map layout. The Santa Barbara coastal plain is located in the western Transverse Ranges physiographic province along a west-trending segment of the southern California coastline about 100 km (62 mi) northwest of Los Angeles. The coastal plain region, which extends from the Santa Ynez Mountains on the north to the Santa Barbara Channel on the south, is underlain by numerous active and potentially active folds and partly buried thrust faults of the Santa Barbara fold and fault belt. Strong earthquakes that occurred in the region in 1925 (6.8 magnitude) and 1978 (5.1 magnitude) are evidence that such structures pose a significant earthquake hazard to the approximately 200,000 people living within the major coastal population centers of Santa Barbara and Goleta. Also, young landslide deposits along the steep lower flank of the Santa

  19. Essays on banking and regulation

    NARCIS (Netherlands)

    Todorov, R.I.

    2013-01-01

    This thesis consists of three chapters that explore issues related to bank capital, multinational bank supervision, and bank lending in a developing country. The first chapter explores the impact of peer banks on bank capital adjustments. The second chapter evaluates the extent to which distortions

  20. Factors Determining Mergers of Banks in Malaysia's Banking Sector Reform

    National Research Council Canada - National Science Library

    Rubi Ahmad; Mohamed Ariff; Michael Skully

    2007-01-01

    What was termed government-guided merger was a unique banking sector reform implemented in 2002 by the central bank of Malaysia guiding a larger number of depository institutions to form 10 large banks...

  1. Frequencies of polymorphisms of the Rh, Kell, Kidd, Duffy and Diego systems of Santa Catarina, Southern Brazil

    Directory of Open Access Journals (Sweden)

    Daiane Cobianchi Costa

    Full Text Available ABSTRACT BACKGROUND: Red blood cell genes are highly polymorphic with the distribution of alleles varying between different populations and ethnic groups. The objective of this study was to investigate gene polymorphisms of blood groups in the state of Santa Catarina, Southern Brazil. METHODS: Three hundred and seventy-three unrelated blood donors and 31 transfusion-dependent patients were evaluated to investigate polymorphisms of the Rh, Kell, Duffy, Kidd, and Diego blood group systems in a population from the state of Santa Catarina. The subjects, from seven regions that comprise the blood-banking network of the state, were assessed between August 2011 and March 2014. The genotypes of the Rh, Kell, Duffy, Kidd, and Diego systems were determined using the restriction fragment length polymorphism-polymerase chain reaction and allele-specific polymerase chain reaction techniques. RESULTS: The genotype frequencies in this study were significantly different when populations from different regions of Santa Catarina were compared. Furthermore, there were also significant differences in the genetic frequencies compared to other Brazilian states. The genotype frequencies of the Kell and Kidd blood groups are similar to European populations from Naples, Italy and Zurich, Switzerland. CONCLUSION: This article reports for the first time the frequency of polymorphisms of blood group systems in blood donors from Santa Catarina, Southern Brazil.

  2. Islamic banks and profitability: an empirical analysis of Indonesian banking

    OpenAIRE

    Jordan, Sarah

    2013-01-01

    This paper provides an empirical analysis of the factors that determine the profitability of Indonesian banks between the years 2006-2012. In particular, it investigates whether there are any significant differences in terms of profitability between Islamic banks and commercial banks. The results, obtained by applying the system-GMM estimator to the panel of 54 banks, indicate that the high bank profitability during these years were determined mainly by the size of the banks, the market share...

  3. Removing bank subsidies leads inexorably to full reserve banking

    OpenAIRE

    Musgrave, Ralph S.

    2013-01-01

    The recent banking crisis laid bare a long standing and inherent defect in fractional reserve banking: the fact that fractional reserve is unlikely to work for long without taxpayer backing. Changing bank regulations in such a way that banks are never a burden on taxpayers leads inexorably to full reserve banking. Full reserve involves splitting the banking industry into two halves. A safe half where depositors earn no interest, but they do have instant access to their money, and a second...

  4. Removing bank subsidies leads inexorably to full reserve banking

    OpenAIRE

    Musgrave, Ralph S.

    2013-01-01

    The recent banking crisis laid bare a long standing and inherent defect in fractional reserve banking: the fact that fractional reserve is unlikely to work for long without taxpayer backing. Changing bank regulations in such a way that banks are never a burden on taxpayers leads inexorably to full reserve banking. Full reserve involves splitting the banking industry into two halves. A safe half where depositors earn no interest, but they do have instant access to their money, and a second...

  5. Bank Lending and Relationship Banking: Evidence from Chilean Firms

    OpenAIRE

    Andrea Repetto; Sergio Rodríguez; Rodrigo O. Valdés

    2002-01-01

    In this paper we empirically study bank-client relationships using a sample of manufacturing Chilean firms. We examine whether concentration and the duration of bank-firm relationships affect the terms of bank financing, evaluating both the volume of bank lending and bank loan costs. Our results indicate that lower concentration, measured by the number of banks a firm borrows from, is associated with lower costs of loans and with a large and positive non-lincar effect on borrowing. The length...

  6. Dual Banking Systems and Interest Rate Risk for Islamic Banks

    OpenAIRE

    Bacha, Obiyathulla I.

    2004-01-01

    In introducing Islamic banking in Malaysia, the basic strategy was to replicate the products/ services offered by conventional banks. The successful implementation of such a strategy has meant that Malaysia today has a truly dual banking system. Islamic banks in Malaysia not only have product similarity with conventional banks but share the same overall economic environment and a common customer base. The ability of non Muslim customers/depositors to switch between the two banking syste...

  7. 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.

  8. 78 FR 12360 - PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail...

    Science.gov (United States)

    2013-02-22

    ... Employment and Training Administration PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail Bank West Chester, IL; Notice of Negative Determination Regarding Application... Assistance (TAA) applicable to workers and former workers of PNC Bank, National Association, Retail...

  9. 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.

  10. 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 el

  11. Destroy The Bank! (case)

    NARCIS (Netherlands)

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

    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 ba

  12. Optimal central bank transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.

    2008-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the opt

  13. Optimal central bank transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.H.

    2010-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the opt

  14. Innovative strategies of bank

    Directory of Open Access Journals (Sweden)

    G.A Peresadko

    2012-03-01

    Full Text Available The article deals with the specifics of banking innovations, the global trends of innovative strategies in the banking sector was described, analyzed the necessary methodology for their implementation, proposed plan of innovative activities and its possible application in Ukraine.

  15. 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 constrain

  16. 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

  17. Essays in empirical banking

    NARCIS (Netherlands)

    Bai, Y.

    2015-01-01

    This dissertation consists of three essays on empirical banking. They study how do information and political activeness affect banks’ lending behavior, as well as the effect of lending relationship with banks on firms’ stock performance during interbank liquidity crunch. The first essay looks at a t

  18. Destroy The Bank! (case)

    NARCIS (Netherlands)

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

    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

  19. Foreign Funds for City Banks

    Institute of Scientific and Technical Information of China (English)

    WANGPEI

    2005-01-01

    The rather straightforward restructuring of the Bank of Beijing became more arresting in January after Deutsche Bank was reported to be competing with its Dutch rival ING to purchase a stake in the local city commercial bank.

  20. 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.

  1. Águas minerais de Santa Catarina

    OpenAIRE

    Coitinho, João Batista Lins

    2000-01-01

    Dissertação (mestrado) - Universidade Federal de Santa Catarina, Centro Tecnológico. Esta pesquisa representa uma análise hidrogeológica das águas minerais de Santa Catarina. Em função de suas características físico-químicas, modo de ocorrência e relações com o ambiente geológico, as águas minerais do Estado foram associadas à províncias hidrogeológicas, as quais foram subdividas em domínios/aqüíferos. Destaque especial foi dado à Província Cristalina, Domínio Meridional, por apresentar um...

  2. La subjetividad internacional de la Santa Sede

    OpenAIRE

    Mosquera Monelos, Susana

    2014-01-01

    Presentamos el caso de la subjetividad internacional de la Santa Sede como un ejemplo que nos permita afrontar un nuevo enfoque del concepto de sujeto para el derecho internacional. El cumplimiento de los requisitos clásicos de la subjetividad internacional se ha visto superado por la fuerza creadora del derecho que nuevos sujetos internacionales han impulsado: ONG, sociedad civil, transnacionales, sujetos atípicos. Analizando el mecanismo de atribución de personalidad internacional de la San...

  3. Bank Specific and Macroeconomics Dynamic Determinants of Credit Risk in Islamic Banks and Conventional Banks

    OpenAIRE

    Waeibrorheem Waemustafa; Suriani Sukri

    2015-01-01

    The study analyzes macroeconomic and bank specific determinants of credit risk in Islamic and Conventional Banks. Multivariate Regression analysis is applied on the sample of 15 conventional banks and 13 Islamic Banks in Malaysia over the period between 2000 and 2010. The finding shows that the banks specific determinants of credit risk are uniquely influenced the credit risk formation of Islamic and Conventional banks. The study found that risky sector financing; regulatory capital (REGCAP) ...

  4. Santa Ana Winds Over Los Angeles

    Science.gov (United States)

    2003-01-01

    High-resolution ocean surface wind data from NASA's Quick Scatterometer (QuikScat) illustrate the strength of Santa Ana winds that pounded Southern California this week, causing damage and spreading brush fires. The colored arrows represent various ranges of wind speed, which were still well in excess of 30 knots (34 miles per hour), even after reaching the ocean and weakening. Santa Ana winds are offshore and down-slope winds unique to Southern California that are usually channeled through mountain gaps. These Santa Ana winds extend more than 500 kilometers (310 miles) offshore before changing direction to flow along the shore.The wind speeds and directions are retrieved from range-compressed backscatter data measured by QuikScat that has much higher spatial resolution than QuikScat's standard data products. Useful applications of high-resolution science-quality wind products derived from range-compressed backscatter have been demonstrated in two scientific papers: one on Hurricane Floyd and the other on Catalina Eddies. This is the first demonstration on near-real-time retrieval applications.

  5. GenBank

    Science.gov (United States)

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

    2017-01-01

    GenBank® (www.ncbi.nlm.nih.gov/genbank/) is a comprehensive database that contains publicly available nucleotide sequences for 370 000 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 the NCBI Submission Portal. GenBank staff assign accession numbers upon data receipt. Daily data exchange with the European Nucleotide Archive (ENA) and the DNA Data Bank of Japan (DDBJ) ensures worldwide coverage. GenBank is accessible through the NCBI Nucleotide database, which links to related information such as taxonomy, genomes, protein sequences and structures, and biomedical journal literature in PubMed. BLAST provides sequence similarity searches of GenBank and other sequence databases. Complete bimonthly releases and daily updates of the GenBank database are available by FTP. Recent updates include changes to policies regarding sequence identifiers, an improved 16S submission wizard, targeted loci studies, the ability to submit methylation and BioNano mapping files, and a database of anti-microbial resistance genes. PMID:27899564

  6. Soundness of Ethiopian Banks

    Directory of Open Access Journals (Sweden)

    Hamdu Kedir Mohammed

    2015-06-01

    Full Text Available A well-functioning financial institution will sustain a countries economic development and play a great role in reduction of poverty. One of the major participants in the financial institution is the banking industry. However, the mal-functioning of the banking system can be extremely costly to the real economy. As Bank is one of the participants and major key player in the financial institutions, it needs a continuous assessment by its supervisory and management. Mere ratio analyses are commonly used Performance measurement among the banking industry in Ethiopia. Nonetheless, these financial ratios are more of traditional as well as partial measurements. As such this study conducted using CAMEL framework set by bank for international settlement. The study takes secondary data which are gathered from audited annual reports of all banks. The result shows CAMEL framework is the best fit measurement for Ethiopian Banks and it give a comprehensive result which is very helpful for the governor to set a well determined policy and procedure.

  7. PERBANDINGAN PENGHASILAN TABUNGAN MUDHARABAH NASABAH BANK SYARIAH (Studi Kasus pada Bank Syariah Mandiri, Bank Negara Indonesia Syariah, dan Bank Muamalat Indonesia di Makassar)

    OpenAIRE

    ALIMULA, YULIANA

    2014-01-01

    2014 Perbandingan Penghasilan Tabungan Mudharabah Nasabah Bank Syariah (Studi Kasus pada Bank Syariah Mandiri, Bank Negara Indonesia Syariah, dan Bank Muamalat Indonesia di Makassar) Profit Sharing Comparison of Mudharabah Saving of Islamic Banking (A Case Study at Bank Syariah Mandiri, Bank Negara Indonesia Syariah, and Bank Muamalat Indonesia in Makassar) Yuliana Alimula Alimuddin Muhammad Ashari Penelitian ini bertujuan un...

  8. Marine deep seismic reflection profiles off central California

    Energy Technology Data Exchange (ETDEWEB)

    Ewing, J. (Woods Hole Oceanographic Institution, MA (USA) Houston Advanced Research Center, The Woodlands, TX (USA)); Talwani, M. (Rice Univ. Houston, TX (USA) Houston Advanced Research Center, The Woodlands, TX (USA))

    1991-04-10

    A strong reflection horizon at two-way travel time of approximately 6 s is observed in a deep seismic profile across the outer continental shelf of central California. It is interpreted as the seismic image of subducted oceanic crust emplaced prior to the change from principally convergent to principally transcurrent motion between the Pacific and North American plates during the late Paleogene. The reflector dips landward at a very shallow angle and is at a depth of 14-15 km under Santa Lucia Bank. The reflection is not observed, or at best is very discontinuous, under the inner shelf (Santa Maria Basin). This suggests that tectonic or other processes have produced significantly different structural styles or compositions on the two sides of the Santa Lucia Bank fault. Under the outer shelf a prominent, apparently deeper (later arrival time) horizon dips more steeply and diverges from the 6-s reflector. The deep horizon is at least partially composed of diffracted energy but is nearly linear after migration. Possible interpretations are that the horizon indicates crustal imbrication or out-of-plane diffractions. Alternatively, it is a relict feature imparted to the crust at the now inactive Pacific-Farallon spreading ridge. Reflective zones at intermediate depths are observed in apparently accreted sediments in parts of the Santa Lucia and Santa Maria basins. These features could represent tectonically induced fabrics within the accretionary complex, or they could be coherent depositional sequences.

  9. Bank selection and customers’ perception of banks in Malaysia

    OpenAIRE

    Norhazlin Ismail; Zarehan Selamat; Ong Hway Boon

    2004-01-01

    The process customers go through in choosing a bank has been studied for several decades using different approaches. Understanding the needs and analyzing how the customers select their banks are crucial steps towards the improvement of customer satisfaction. In this study, an attempt is made to identify the determinants of bank selection and customers’ perception of banks in Malaysia.

  10. Metamorphosis of Banking Products - A Perception of Bank Employees

    Directory of Open Access Journals (Sweden)

    Harshita B

    2015-08-01

    Full Text Available Banking products are undergoing major changes due to extensive use of it and changing demands of the customers in current scenario. This study basically focuses on the changes came into banking industry and its impact on customers base and bank profits. Data is collected from 50 employees of both private and public sector banks with the help of questionnaire. Hence we can conclude that all banks are providing almost similar products and services to satisfy their customers fully. The continous metamorphsis of banking products not only results in improvement of customer base but also has positive impact on the profits of the bank. Private sector banks are earning more profits as a result of metamorphosis of traditional banking products in comparison to public sector bank.

  11. Sensitivity of Czech Commercial Banks to a Run on Banks

    Directory of Open Access Journals (Sweden)

    Klepková Vodová Pavla

    2015-06-01

    Full Text Available The aim of this paper is to thoroughly evaluate the sensitivity of Czech commercial banks to a run on banks. Our sample includes a significant part of the Czech banking sector in the period 2006-2013. We use three liquidity ratios that we stress via a stress scenario simulating a run on banks accompanied by a 20% withdrawal rate of deposits.We measure the impact of the scenario by the relative changes of these ratios. The results show that, in spite of a decrease in liquidity, most Czech banks would be able to finance such a scenario. The financial crisis influenced bank sensitivity to a run, but with a significant time lag. The severity of the impact of the bank run increases with the size of the bank; large banks are the most vulnerable. The resilience of banks is also determined by their strategy for liquidity risk management.

  12. Updates on the genus Euphorbia (Euphorbiaceae) in Santa Catarina, Brazil

    DEFF Research Database (Denmark)

    Hassemer, Gustavo; Marques Da Silva, Otávio Luis; Funez, Luís Adriano

    2017-01-01

    This contribution presents updates to the knowledge of the species of Euphorbia that occur in Santa Catarina state, southern Brazil. More specifically, we here typify the names E. cyathophora, E. hirtella, E. paranensis and E. stenophylla, and present the first records of E. cyathophora, E. grami....... graminea, E. ophthalmica and E. thymifolia for Santa Catarina. Finally, we provide an updated identification key to all 30 species of Euphorbia that occur in Santa Catarina, including native, naturalised and cultivated species....

  13. 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

  14. Assessing efficiency in banking

    Directory of Open Access Journals (Sweden)

    Knežević Snežana

    2012-09-01

    Full Text Available The paper is an attempt to assess the productivity and efficiency on the basis of the information found in financial statements and operating evidence, as well as implementation of the DEA method. The definition of both input and output in banking is absolutely clear, however, an adequate analysis of efficiency in banking requires that the right combinations of input and output be selected Every company has its own principles to implement in its operations. One of the most important is surely the efficiency principle. Relevant academic literature offers various combinations of input and output in testing bank efficiency. The developing countries will find it highly important to monitor bank efficiency and compare it to the countries in the region.

  15. 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...

  16. 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.

  17. Cord-Blood Banking

    Science.gov (United States)

    ... blood banks may capitalize on the fears of vulnerable new parents by providing misleading information about the statistics of stem cell transplants. Parents of children of ethnic or racial minorities, adopted children, or ...

  18. nigeria's banking sector reforms

    African Journals Online (AJOL)

    NESG PUBLICATIONS

    sector reforms to enthrone sound financial practices and good corporate governance ... April - June 2009 . 9. NIGERIA'S BANKING SECTOR REFORMS: THE JOURNEY SO FAR ..... implementation of a code of sound corporate governance in ...

  19. Varying Impacts of Electronic Banking on the Banking Industry

    OpenAIRE

    Sali Bakare

    2015-01-01

    The banking industry has undergone tremendous changes with the introduction of information technology (IT). Electronic banking (EB) is a new paradigm in banks’ product and service delivery. Electronic banking products and services have become increasingly popular in the past three decades as the banking industry operating in a complex and competitive environment has experienced the awareness to serve its customers electronically. Online banking has become the preferred way for many Americans ...

  20. Efficiency of Commercial Banks in Malaysia

    OpenAIRE

    Mohd. Azmi Omar; Abdul Rahim Abdul Rahman; Rosylin Mohd. Yusof; M Shabri Abd Majid; Mohd. Eskandar Shah Mohd. Rasid

    2006-01-01

    This study investigates the change in the productivity of banking industry during the period of 2000 to 2004. The data consists of a panel of 11 commercial banks in Malaysia namely Malayan Banking, Bumiputra-Commerce, Public Bank, RHB Bank, Hong Leong Berhad, EON Bank, Affin Bank, Southern Bank Berhad, Bank Islam Malaysia Berhad (BIMB), Ambank and Bank Muamalat. Productivity is measured by the Malmquist index, using a Data Envelopment Analysis (DEA) technique. The Malmquist productivity measu...

  1. Presence of two cave bear species in La Lucia cave (Lamason, Cantabria, N. Spain : Ursus deningeri von Reichenau and ursus spelaeus Rosenmüller-Heinroth

    Directory of Open Access Journals (Sweden)

    A. Camacho

    2005-01-01

    Full Text Available Se presenta el estudio paleontológico sistemático y tafonómico de dos acumulaciones de dientes y huesos de osos fósiles de la Cueva de la Lucia (Lamasón, Cantabria. Los restos de oso se localizaron en dos sitios distintos de la cueva : La Sala (LUS y la Rampa (LUR. El inventario general de hallazgos y el cálculos de edades a partir del desgaste dentario revelan que en LUR, una parte remota de la cueva sin acceso directo, se han encontrado abundantes restos de U. deningeri que testimonian un largo periodo de colonización por individuos jóvenes y adultos. En LUS, una zona directamente conectada con el exterior, dominan el resto de individuos subadultos, oseznos y recien nacidos. La datación numérica de los yacimientos mediante U/Th. Resonancia de Espein Electromagnetico (ESR y racemización de aminoacidos, situa la acumulación de restos de U. deningeri en el 9º episodio del oxigeno marino, mientras que los restos de U. spelaeus muestran un marcado dimorfismo sexual, menos marcado en U. deningeri. En nuestra opinión el importante recorrido de las diversas medidas tomadas en los molariformes, hacen inviable establecer nuevas subespecies, más todavía especies, en base a un material poco abundante.

  2. 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...... 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.......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...

  3. Opaqueness and Bank Risk Taking

    Directory of Open Access Journals (Sweden)

    Patrick Behr

    2012-12-01

    Full Text Available This paper investigates the relationship between opaqueness and bank risk taking. Using a sample of 199 banks from 38 countries over the period January 1996 to December 2006, I analyze whether more opaque banks are riskier than less opaque banks. I find suggestive evidence that commonly used proxies for bank opaqueness are significantly related to bank risk taking as measured by the Merton PD and the bank-individual Z-score, even after accounting for potential simultaneity between risk taking and opaqueness. More opaque banks seem to engage more in risk taking than less opaque banks. This result provides support to the common view that bank opaqueness is problematic and that transparency among financial institutions should be increased.

  4. Transfusion risk for hepatitis B, hepatitis C and HIV in the state of Santa Catarina, Brazil, 1991-2001

    Directory of Open Access Journals (Sweden)

    Emil Kupek

    2004-06-01

    Full Text Available We examined the time trend of residual risk of transfusing blood contaminated with HIV, hepatitis B and hepatitis C, in the largest blood bank of the state of Santa Catarina, Brazil, 1991-2001. The HIV risk was reduced approximately 10 times during the decade of 1990, to 1:48777, but then increased significantly by the end of 2001. A similar time trend was observed for hepatitis B and hepatitis C, although the increase was not significant in this case. Even during the period of lowest risk, the estimates were considerably higher than in developed countries.

  5. 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.

  6. Cost leadership and bank internationalization

    OpenAIRE

    Galema, Rients; Koetter, Michael; Liesegang, Caroline

    2013-01-01

    We adapt a theoretical model from the goods trade literature to test whether banks with a comparative cost advantage are more likely to enter foreign markets by means of foreign direct investment. We combine detailed proprietary bank-level data on the international activities of all German banks with publicly available bank micro data from possible destination markets to show that the decision to go abroad is driven by relative cost differences. Banks enter markets where they are cost leaders...

  7. The Ethical Stance in Banking

    OpenAIRE

    Villa, Jesus Simeon Villa

    2010-01-01

    Abstract Banks have a central role and importance in all commerce and hence in all societies. This thesis investigates the ethical basis of banking practice with the aim of developing an account of the virtues appropriate to bankers and banking. One central issue concerns a conflict between the interests of banks and their customers, and how this conflict plays out in relation to the lending policies and fee structure of banks. Such lending policies can have a significant effect on ban...

  8. Chocho de Santa Catarina Ocotlan, Oaxaca (Chocho of Santa Catarina Ocotlan, Oaxaca).

    Science.gov (United States)

    Mexico Coll. (Mexico City)

    This document is one of 17 volumes on indigenous Mexican languages and is the result of a project undertaken by the Archivo de Lenguas Indigenas de Mexico. This volume contains information on Chocho, an indigenous language of Mexico spoken in Santa Catarina Ocotlan, in the state of Oaxaca. The objective of collecting such a representative sampling…

  9. Mixteco de Santa Maria Penoles, Oaxaca (Mixtec of Santa Maria Penoles, Oaxaca).

    Science.gov (United States)

    Mexico Coll. (Mexico City)

    This document is one of 17 volumes on indigenous Mexican languages and is the result of a project undertaken Archivo de Lenguas Indigenas de Mexico. This volume contains information on Mixtec, an indigenous language of Mexico spoken in Santa Maria Penoles in the state of Oaxaca. The objective of collecting such a representative sampling of the…

  10. 77 FR 36955 - Security Zone; Cruise Ships, Santa Barbara Harbor, Santa Barbara, CA

    Science.gov (United States)

    2012-06-20

    ... cruise ship located within 3 nautical miles of the Santa Barbara Harbor Breakwater Light (Light List... impact a terrorist attack against a cruise ship would have on the public interest, the Coast Guard... sea floor within a 100-yard radius of any cruise ship which is located within 3 nautical miles...

  11. 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.

  12. Physical data of soil profiles formed on late Quaternary marine terraces near Santa Cruz, California

    Science.gov (United States)

    Munster, Jennie; Harden, Jennifer W.

    2002-01-01

    The marine terraces in and around Santa Cruz, California, represent a set of well-preserved terraces formed as a product of geology, sea level, and climate. A marine terrace begins as a wave cut platform. Eustatic sea level changes, seacliff erosion, and tectonic uplift work together to generate marine terraces. "When a wave-cut platform is raised (due to tectonic activity) above sea level and cliffed by wave action it becomes a marine terrace" (Bradley, 1957, p. 424). During glacial periods, eustatic sea level is estimated to have dropped by 150 meters (Fairbanks, 1989). Cliff retreat measured from aerial photographs between 1930 and 1980 vary from 0.0 to 0.2 m yr–1 (Best and Griggs, 1991). Estimates of uplift rates along the Santa Cruz coastline vary from 0.10 to 0.48 m kyr–1 (Bradley and Griggs, 1976; Weber and others, 1999). Uplift mechanisms include coseismic uplift associated both with a reverse component of slip on the steeply SW dipping Loma Prieta fault in the restraining bend of the San Andreas Fault and a small component of reverse slip on the steeply SE dipping San Gregorio fault (Anderson and Menking 1994). Previous work studying physical properties on these terraces include Pinney and others (in press) and Aniku (1986) and Bowman and Estrada (1980). Sedimentary deposits of the marine terraces are a mixture of terrestrial and marine sediments but generally consist of a sheet of marine deposits overlying the old platform and a wedge of nonmarine deposits banked against the old sea cliff (Bradley, 1957). Bedrock underlying the terraces in the Santa Cruz area is generally either Santa Margarita Sandstone or Santa Cruz Mudstone. The Santa Margarita Sandstone represents an upper Miocene, transgressive, tidally dominated marine-shelf deposit with crossbedded sets of sand and gravel and horizontally stratified and bioturbated invertebrate-fossils beds (Phillips, 1990). The siliceous Santa Cruz Mudstone, of late Miocene age, conformably overlies the Santa

  13. 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.

  14. Geologic Map of the Santa Barbara Coastal Plain Area, Santa Barbara County, California

    Science.gov (United States)

    Minor, Scott A.; Kellogg, Karl S.; Stanley, Richard G.; Gurrola, Larry D.; Keller, Edward A.; Brandt, Theodore R.

    2009-01-01

    This report presents a newly revised and expanded digital geologic map of the Santa Barbara coastal plain area at a compilation scale of 1:24,000 (one inch on the map to 2,000 feet on the ground)1 and with a horizontal positional accuracy of at least 20 m. The map depicts the distribution of bedrock units and surficial deposits and associated deformation underlying and adjacent to the coastal plain within the contiguous Dos Pueblos Canyon, Goleta, Santa Barbara, and Carpinteria 7.5' quadrangles. The new map supersedes an earlier preliminary geologic map of the central part of the coastal plain (Minor and others, 2002; revised 2006) that provided coastal coverage only within the Goleta and Santa Barbara quadrangles. In addition to new mapping to the west and east, geologic mapping in parts of the central map area has been significantly revised from the preliminary map compilation - especially north of downtown Santa Barbara in the Mission Ridge area - based on new structural interpretations supplemented by new biostratigraphic data. All surficial and bedrock map units, including several new units recognized in the areas of expanded mapping, are described in detail in the accompanying pamphlet. Abundant new biostratigraphic and biochronologic data based on microfossil identifications are presented in expanded unit descriptions of the marine Neogene Monterey and Sisquoc Formations. Site-specific fault kinematic observations embedded in the digital map database are more complete owing to the addition of slip-sense determinations. Finally, the pamphlet accompanying the present report includes an expanded and refined summary of stratigraphic and structural observations and interpretations that are based on the composite geologic data contained in the new map compilation. The Santa Barbara coastal plain is located in the western Transverse Ranges physiographic province along an east-west-trending segment of the southern California coastline about 100 km (62 mi) northwest

  15. PRECENCIA DE LOS NEGROS EN SANTA MARTA

    Directory of Open Access Journals (Sweden)

    Edgar Rey Sinning

    2002-08-01

    Full Text Available Partimos de señalar que las investigaciones sobre los negros en la Provincia de Santa Marta, son escasas; sin embargo, podemos afirmar que dos trabajos dan cuenta de su presencia en la ciudad y en todo su territorio. El primero, de ellos es la reciente publicación sobre la esclavitud entre los años 1791- 1851, de Dolcey Romero Jaramillo que revisa el papel de los negros en dicha provincia y ciudad. El otro es nuestro estudio sobre 10s negros llegados a Santa Marta desde el Departamento de Bolívar, en la década de los 80 del siglo pasado, titulado "Cristo Rey: Un Espacio para permanecer en el Tiempo". El presente artículo elabora una cronología de la presencia de los negros esclavos que llegaron a Santa Marta desde 1525, año de su fundación. Se señala cómo durante los primeros años se fueron autorizando dos (2 esclavos negros para algunas personas importantes, destinados a1 servicio doméstico. Política que se comienza a modificar a partir de 1535, cuando se le autorizan cien (100 esclavos al Gobernador Pedro Fernández de Lugo, y desde entonces, es importante su presencia en oficios varios, sobre todo en las actividades de las haciendas cercanas a Santa Marta, hasta el siglo XIX. A finales de ese siglo y comienzos del XX, es significativa su vinculación a] muelle -más tarde puerto-, como "muelleros" o "portuarios", asumiendo la responsabilidad de garantizar las actividades de carga y descarga del puerto samario. Igualmente se muestra su papel determinante en la construcción de las líneas férreas que unirían a la ciudad-puerto con la "Zona Bananera". Es para esta última actividad, que se traen negros desde Jamaica conocidos como "yumecas", llamados "yumecas" por los samarios.

  16. 2007款现代Santa Fe

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    现代为了开发新款Santa Fe(圣达菲)投入了1.55亿美元的资金,整个研发过程历时26个月,仅从车身长度看,新车增加了175mm。达到4675mm,同时轴距增加到2700mm。而车宽也增加了45mm,达到1890mm。

  17. Cost and profit efficiency of banks in Haiti: do domestic banks perform better than foreign banks?

    OpenAIRE

    Cadet, Raulin Lincifort

    2008-01-01

    I use the stochastic frontier methodology to estimate a cost and a profit frontier functions. The Fourier-flexible form is used in this paper because of its flexibility. Results show that, although foreign banks are more cost efficient than domestic banks, domestic banks are more profit efficient than foreign banks, in Haiti. The paper reveals also that, although treasury bills constitute an alternative source of profit for banks in Haiti, a growth of interest rate on treasury bills incre...

  18. 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.

  19. The impact of a prominent rain shadow on flooding in California's Santa Cruz Mountains: A CALJET case study and sensitivity to the ENSO cycle

    Science.gov (United States)

    Ralph, F.M.; Neiman, P.J.; Kingsmill, D.E.; Persson, P.O.G.; White, A.B.; Strem, E.T.; Andrews, E.D.; Antweiler, R.C.

    2003-01-01

    Data from the California Land-Falling Jets Experiment (CALJET) are used to explore the causes of variations in flood severity in adjacent coastal watersheds within the Santa Cruz Mountains on 2-3 February 1998. While Pescadero Creek (rural) experienced its flood of record, the adjacent San Lorenzo Creek (heavily populated), attained only its fourth-highest flow. This difference resulted from conditions present while the warm sector of the storm, with its associated low-level jet, high moisture content, and weak static stability, was overhead. Rainfall in the warm sector was dominated by orographic forcing. While the wind speed strongly modulated rain rates on windward slopes, the wind direction positioned the edge of a rain shadow cast by the Santa Lucia Mountains partially over the San Lorenzo basin, thus protecting the city of Santa Cruz from a more severe flood. Roughly 26% ?? 9% of the streamflow at flood peak on Pescadero Creek resulted from the warm-sector rainfall. Without this rainfall, the peak flow on Pescadero Creek would likely not have attained record status. These results are complemented by a climatological analysis based on ???50-yr-duration streamflow records for these and two other nearby windward watersheds situated ???20 to 40 km farther to the east, and a comparison of this climatological analysis with composites of NCEP-NCAR reanalysis fields. The westernmost watersheds were found to have their greatest floods during El Nin??o winters, while the easternmost watersheds peaked during non-El Nin??o episodes. These results are consistent with the case study, that showed that the composite 925-mb, meridionally oriented wind direction during El Nin??os favors a rain shadow over the eastern watersheds. During non-El Nin??o periods, the composite, zonally oriented wind direction indicates that the sheltering effect of the rain shadow on the eastern watersheds is reduced, while weaker winds, less water vapor, and stronger stratification reduce the peak

  20. Aquatic assemblages of the highly urbanized Santa Ana River Basin, California

    Science.gov (United States)

    Brown, L.R.; Burton, C.A.; Belitz, K.

    2005-01-01

    We assessed the structure of periphyton, benthic macroinvertebrate, and fish assemblages and their associations with environmental variables at 17 sites on streams of the highly urbanized Santa Ana River basin in Southern California. All assemblages exhibited strong differences between highly urbanized sites in the valley and the least-impacted sites at the transition between the valley and undeveloped mountains. Results within the urbanized area differed among taxa. Periphyton assemblages were dominated by diatoms (>75% of total taxa). Periphyton assemblages within the urbanized area were not associated with any of the measured environmental variables, suggesting that structure of urban periphyton assemblages might be highly dependent on colonization dynamics. The number of Ephemeroptera, Trichoptera, and Plecoptera (EPT) taxa included in macroinvertebrate assemblages ranged from 0 to 6 at urbanized sites. Benthic macroinvertebrate assemblages had significant correlations with several environmental variables within the urban area, suggesting that stream size and permanence were important determinants of distribution among the species able to survive conditions in urban streams. Only 4 of 16 fish species collected were native to the drainage. Fish assemblages of urbanized sites included two native species, arroyo chub Gila orcuttii and Santa Ana sucker Catostomus santaanae, at sites that were intermediate in coefficient of variation of bank-full width, depth, bed substrate, and water temperature. Alien species dominated urbanized sites with lesser or greater values for these variables. These results suggest that urban streams can be structured to enhance populations of native fishes. Continued study of urban streams in the Santa Ana River basin and elsewhere will contribute to the basic understanding of ecological principles and help preserve the maximum ecological value of streams in highly urbanized areas.

  1. 33 CFR 80.1102 - Santa Catalina Island, CA.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 1 2010-07-01 2010-07-01 false Santa Catalina Island, CA. 80.1102 Section 80.1102 Navigation and Navigable Waters COAST GUARD, DEPARTMENT OF HOMELAND SECURITY INTERNATIONAL NAVIGATION RULES COLREGS DEMARCATION LINES Pacific Coast § 80.1102 Santa Catalina Island, CA....

  2. 46 CFR 7.115 - Santa Catalina Island, CA.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 1 2010-10-01 2010-10-01 false Santa Catalina Island, CA. 7.115 Section 7.115 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY PROCEDURES APPLICABLE TO THE PUBLIC BOUNDARY LINES Pacific Coast § 7.115 Santa Catalina Island, CA. (a) A line drawn from the northernmost point of Lion Head...

  3. 33 CFR 80.1138 - Santa Cruz Harbor, CA.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 1 2010-07-01 2010-07-01 false Santa Cruz Harbor, CA. 80.1138 Section 80.1138 Navigation and Navigable Waters COAST GUARD, DEPARTMENT OF HOMELAND SECURITY INTERNATIONAL NAVIGATION RULES COLREGS DEMARCATION LINES Pacific Coast § 80.1138 Santa Cruz Harbor, CA. A line drawn...

  4. 33 CFR 80.1126 - Santa Barbara Harbor, CA.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 1 2010-07-01 2010-07-01 false Santa Barbara Harbor, CA. 80.1126 Section 80.1126 Navigation and Navigable Waters COAST GUARD, DEPARTMENT OF HOMELAND SECURITY INTERNATIONAL NAVIGATION RULES COLREGS DEMARCATION LINES Pacific Coast § 80.1126 Santa Barbara Harbor, CA. A line...

  5. Free inside: The Music Class at Santa Ana Jail

    Science.gov (United States)

    Fierro, Joe

    2010-01-01

    This article examines the workings of the music class at the Santa Ana Jail in Santa Ana, California. It gives us insight into a jail system and a music class focused on helping inmates position themselves to become productive members of society. In this article I examine how the facility encourages inmates' good behaviour and why the music class…

  6. 27 CFR 9.31 - Santa Cruz Mountains.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 1 2010-04-01 2010-04-01 false Santa Cruz Mountains. 9.31... Cruz Mountains. (a) Name. The name of the viticultural area described in this section is “Santa Cruz Mountains.” (b) Approved maps. The 24 approved U.S.G.S. maps for determining the boundaries are 23...

  7. "Santa Maria" forever : Eesti ja Portugali kirjandussuhetest / Toomas Haug

    Index Scriptorium Estoniae

    Haug, Toomas, 1956-

    2012-01-01

    Jaanuaris 1961 Portugali diktaatorlikule režiimile protestiks kaaperdatud laevast "Santa Maria", mis sai omamoodi vabaduse ja vastuhaku sümboliks ka okupeeritud Eestis. Artiklis käsitletakse sellest sündmusest mõjutatud teoseid, täpsemalt Aleksander Suumanni maali "Santa Maria" ja Paul-Eerik Rummo samanimelist luuletust

  8. "Santa Maria" forever : Eesti ja Portugali kirjandussuhetest / Toomas Haug

    Index Scriptorium Estoniae

    Haug, Toomas, 1956-

    2015-01-01

    Jaanuaris 1961 Portugali diktaatorlikule režiimile protestiks kaaperdatud laevast "Santa Maria", mis sai omamoodi vabaduse ja vastuhaku sümboliks ka okupeeritud Eestis. Artiklis käsitletakse sellest sündmusest mõjutatud teoseid, täpsemalt Aleksander Suumanni maali "Santa Maria" ja Paul-Eerik Rummo samanimelist luuletust

  9. 77 FR 39726 - Land Acquisitions: Pueblo of Santa Clara

    Science.gov (United States)

    2012-07-05

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF THE INTERIOR Bureau of Indian Affairs Land Acquisitions: Pueblo of Santa Clara AGENCY: Bureau of Indian Affairs... into trust for the Pueblo of Santa Clara on January 27, 2012. FOR FURTHER INFORMATION CONTACT:...

  10. "Santa Maria" forever : Eesti ja Portugali kirjandussuhetest / Toomas Haug

    Index Scriptorium Estoniae

    Haug, Toomas, 1956-

    2012-01-01

    Jaanuaris 1961 Portugali diktaatorlikule režiimile protestiks kaaperdatud laevast "Santa Maria", mis sai omamoodi vabaduse ja vastuhaku sümboliks ka okupeeritud Eestis. Artiklis käsitletakse sellest sündmusest mõjutatud teoseid, täpsemalt Aleksander Suumanni maali "Santa Maria" ja Paul-Eerik Rummo samanimelist luuletust

  11. "Santa Maria" forever : Eesti ja Portugali kirjandussuhetest / Toomas Haug

    Index Scriptorium Estoniae

    Haug, Toomas, 1956-

    2015-01-01

    Jaanuaris 1961 Portugali diktaatorlikule režiimile protestiks kaaperdatud laevast "Santa Maria", mis sai omamoodi vabaduse ja vastuhaku sümboliks ka okupeeritud Eestis. Artiklis käsitletakse sellest sündmusest mõjutatud teoseid, täpsemalt Aleksander Suumanni maali "Santa Maria" ja Paul-Eerik Rummo samanimelist luuletust

  12. 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.

  13. Impact of Electronic Banking Innovations on Bank Deposit Market Share

    Directory of Open Access Journals (Sweden)

    Kashmari A

    2016-04-01

    Full Text Available Development and diversity of electronic banking services is one of the aspects of financial innovation of banks. In Iran’s banking system, the development of multiple channels representing electronic banking services such as SWIFT system, ATM, POS, PIN pads, internet banking, mobile banking and telephone banking are made for more facility in paying money, so today, the development of this channels is one of the most competitive areas between banks for attracting resources. The main purpose of this study is to evaluate this innovation, which needs a heavy cost in terms of money and time, on the share of each bank in attracting deposit as one of the most important goals and competitive tools of a bank. By using Panel Data Vector Autoregressive methods (Panel-VAR and Granger causality test, data of 23 Iranian banks in the 7 years (2007-2013 has been studied. The results show that based on the Granger Causality Test, the number of ATM machines, POS, PIN pad, SWIFT system and amount of banking facilities provided by each bank, has causal relation in explaining the increase of the bank’s share in attracting deposits; but the Market Share was recognized as the cause of the innovation. Also, the causality direction of deposits’ share and the amount of facilities were noticed to be bilateral.

  14. Serologic survey on hantavirus in blood donors from the state of Santa Catarina, Brazil.

    Science.gov (United States)

    Cordova, Caio Maurício Mendes de; Figueiredo, Luiz Tadeu Moraes

    2014-01-01

    Emergent diseases such as Hantavirus Cardio-pulmonary Syndrome (HCPS) are able to create a significant impact on human populations due to their seriousness and high fatality rate. Santa Catarina, located in the South of Brazil, is the leading state for HCPS with 267 reported cases from 1999 to 2011. We present here a serological survey on hantavirus in blood donors from different cities of the state of Santa Catarina, with an IgG-ELISA using a recombinant nucleocapsid protein from Araraquara hantavirus as an antigen. In total, 314 donors from blood banks participated in the study, geographically covering the whole state. Among these, 14 individuals (4.4%) had antibodies to hantavirus: four of 50 (8% positivity) from Blumenau, four of 52 (7.6%) from Joinville, three of 50 (6%) from Florianópolis, two of 50 (4%) from Chapecó and one of 35 (2.8%) from Joaçaba. It is possible that hantaviruses are circulating across almost the whole state, with important epidemiological implications. Considering that the seropositive blood donors are healthy individuals, it is possible that hantaviruses may be causing unrecognized infections, which are either asymptomatic or clinically nonspecific, in addition to HCPS. It is also possible that more than one hantavirus type could be circulating in this region, causing mostly benign infections.

  15. Heavy rainfall equations for Santa Catarina, Brazil

    Directory of Open Access Journals (Sweden)

    Álvaro José Back

    2011-12-01

    Full Text Available Knowledge of intensity-duration-frequency (IDF relationships of rainfall events is extremely important to determine the dimensions of surface drainage structures and soil erosion control. The purpose of this study was to obtain IDF equations of 13 rain gauge stations in the state of Santa Catarina in Brazil: Chapecó, Urussanga, Campos Novos, Florianópolis, Lages, Caçador, Itajaí, Itá, Ponte Serrada, Porto União, Videira, Laguna and São Joaquim. The daily rainfall data charts of each station were digitized and then the annual maximum rainfall series were determined for durations ranging from 5 to 1440 min. Based on these, with the Gumbel-Chow distribution, the maximum rainfall was estimated for durations ranging from 5 min to 24 h, considering return periods of 2, 5, 10, 20, 25, 50, and 100 years,. Data agreement with the Gumbel-Chow model was verified by the Kolmogorov-Smirnov test, at 5 % significance level. For each rain gauge station, two IDF equations of rainfall events were adjusted, one for durations from 5 to 120 min and the other from 120 to 1440 min. The results show a high variability in maximum intensity of rainfall events among the studied stations. Highest values of coefficients of variation in the annual maximum series of rainfall were observed for durations of over 600 min at the stations of the coastal region of Santa Catarina.

  16. 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.

  17. Human Milk Banking.

    Science.gov (United States)

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

    Human milk banks play an essential role by providing human milk to infants who would otherwise not be able to receive human milk. The largest group of recipients are premature infants who derive very substantial benefits from it. Human milk protects premature infants from necrotizing enterocolitis and from sepsis, two devastating medical conditions. Milk banks collect, screen, store, process, and distribute human milk. Donating women usually nurse their own infants and have a milk supply that exceeds their own infants' needs. Donor women are carefully selected and are screened for HIV-1, HIV-2, human T-cell leukemia virus 1 and 2, hepatitis B, hepatitis C, and syphilis. In the milk bank, handling, storing, processing, pooling, and bacterial screening follow standardized algorithms. Heat treatment of human milk diminishes anti-infective properties, cellular components, growth factors, and nutrients. However, the beneficial effects of donor milk remain significant and donor milk is still highly preferable in comparison to formula.

  18. 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...

  19. 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...

  20. Issues in Transformation from Conventional Banking to Islamic Banking

    National Research Council Canada - National Science Library

    Muhammad Usman Arshad; Mohammed Effandi Yusoff; Muhammad Sohail Tahir

    2016-01-01

    .... Islamic banking is the major constituent of the Islamic finance. In line with these transformations, Islamic banks and financial institutions are facing several problems due to non-existence of comprehensive framework...

  1. 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.

  2. 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...

  3. 12 CFR 209.2 - Banks desiring to become member banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Banks desiring to become member banks. 209.2 Section 209.2 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM ISSUE AND CANCELLATION OF FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I) § 209.2 Banks desiring...

  4. CRED REA Invertebrate Quantitative Assessments at Santa Rosa Bank, Marianas Archipelago, in 2005

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — To support a long-term NOAA Coral Reef Conservation Program (CRCP) for sustainable management and conservation of coral reef ecosystems, from 3 - 9 October 2005,...

  5. CRED REA Invertebrate Quantitative Assessments at Santa Rosa Bank, Marianas Archipelago, in 2003

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — To support a long-term NOAA Coral Reef Conservation Program (CRCP) for sustainable management and conservation of coral reef ecosystems, from 19 August - 30...

  6. CRED Towed-Diver Benthic Characterization Surveys at Santa Rosa Bank, Marianas Archipelago in 2005

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — To support NOAA Coral Reef Conservation Program (CRCP) long-term goals for sustainable management and conservation of coral reef ecosystems, towed-diver surveys...

  7. CRED Towed-Diver Benthic Characterization Surveys at Santa Rosa Bank, Marianas Archipelago in 2003

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — To support NOAA Coral Reef Conservation Program (CRCP) long-term goals for sustainable management and conservation of coral reef ecosystems, towed-diver surveys...

  8. CRED Towed-Diver Fish Biomass Surveys at Santa Rosa Bank, Marianas Archipelago in 2003

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Towed-diver surveys (aka. Towboard surveys) are conducted by the Coral Reef Ecosystem Division (CRED) of the NOAA Pacific Islands Fisheries Science Center (PIFSC)...

  9. CRED Towed-Diver Fish Biomass Surveys at Santa Rosa Bank, Marianas Archipelago in 2005

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Towed-diver surveys (aka. Towboard surveys) are conducted by the Coral Reef Ecosystem Division (CRED) of the NOAA Pacific Islands Fisheries Science Center (PIFSC) as...

  10. PENGARUH DIMENSI BANKING SERVICE QUALITY (BSQ) TERHADAP KEPUASAN NASABAH BANK

    OpenAIRE

    Sri Sumardiningsih; Wawan Sundawan; Lies Endarwati; Arif Wibowo; Yulia Ayriza

    2012-01-01

    Abstract: Effect of Banking Service Quality (BSQ) Dimensions towards Bank Customer Satisfaction. This study aims to determine the effect of Banking Service Quality (BSQ) to the customer satisfaction of BPD Bank in DIY. This research is a survey research with a sample of 1.536 respondents. The sample was taken by purposive sampling technique. Data collection instrument was questionnaires and analyzed using multiple regression. The results showed that six dimensions of BSQ simultaneously gave p...

  11. 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.

  12. 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.

  13. 75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-21

    ... voting shares of Bank of Anderson, National Association, Anderson, South Carolina, Seneca National Bank, Seneca, South Carolina, and The Peoples National Bank, Easley, South Carolina. B. Federal Reserve Bank...

  14. Evolution of central banking? De Nederlandsche Bank 1814-1852

    NARCIS (Netherlands)

    Uittenbogaard, R.A.|info:eu-repo/dai/nl/237904470

    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

  15. QUALITY MANAGEMENT IN BANKING SYSTEM

    OpenAIRE

    2009-01-01

    Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition improvement. Banks being aware of the quality problems also lead to the appearance and requirement of

  16. NRAO Green Bank Telescope (GBT)

    Data.gov (United States)

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

  17. 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...

  18. A Banking System in Transition

    Institute of Scientific and Technical Information of China (English)

    WANG; ZHIPENG

    2002-01-01

    THE four large state-owned commercial banks - the Industrial and Commercial Bank of China, the Bank of China, the Construction Bank of China, and the Agricultural Bank of China, constitute the backbone of the Chinese banking system. Owing to low efficiency, lack of capital, and a high rate of bad debts over time, however, the system was weak and ineffective. In order to redress the situation, late last century the Chinese government launched reforms to streamline these four commercial banks and their operations. The banks subsequently set up asset management companies to buy back and resolve non-performing assets. Their operational structure was also upgraded and optimized so as to improve management efficiency and economic performance.

  19. 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...

  20. Banking Scandals Force Governance Issue

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    @@ The spate of recent scandals in the banking sector again raises the question of whether corporate governance in banks has been improved to a degree whereby ESOP is a correct and timely consideration.

  1. Banking On People

    Science.gov (United States)

    Manpower, 1970

    1970-01-01

    In July 1968, the First National City Bank in New York (Citibank) received a government contract to train the disadvantaged by providing orientation, counseling, job related education, supervisor training, child care, transportation, and some medical and dental care. The Job Opportunities in the Business Sector Program (JOBS) stipulated pay of $70…

  2. Trilogy of China's Banking

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    @@ Banks of China will face declining profit rate and slightly increasing non-performing loans ratio in a short term during 2009, but government policies will reduce the negative impact of financial crisis, and China's financial environment is still relatively safe in a global comparison.

  3. 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…

  4. Replacing America's Job Bank

    Science.gov (United States)

    Vollman, Jim

    2009-01-01

    The Job Central National Labor Exchange (www.jobcentral.com) has become the effective replacement for America's Job Bank with state workforce agencies and, increasingly, with community colleges throughout the country. The American Association of Community Colleges (AACC) has formed a partnership with Job Central to promote its use throughout the…

  5. Kosovo Banking Paradox

    Directory of Open Access Journals (Sweden)

    Florin Aliu

    2016-12-01

    Full Text Available Kosovo does not have a bond market, which would enable companies, people and other economic agents to have access to it, that would have been a substitute for the companies to get other sources of funds beside banking sector. The Kosovo economy has only one source of institutional money injected into the economy and that is the banking industry. Bringing back the money of Kosovo Pension and Saving Trust (KPST to Kosovo would have been a huge injection for the economy to raise GDP and lower unemployment. Since the companies in Kosovo contain a lot of asymmetric information within their financial statements, clearing the way for KPST how to allocate their investments in Kosovo would be through alleviating asymmetric information. The paper stands on the general concepts of the asymmetric information and how to alleviate it within the financial market and particularly within the bond market. The other part of the paper concentrates on theoretical framework how to eliminate asymmetricbinformation for the companies who want to get funding from KPST. Therefore, it is necessary to have healthy banks and a better environment to have a sound bond market. On the other hand, the bond market may increase the health of banks by enhancing market competition.

  6. 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…

  7. Replacing America's Job Bank

    Science.gov (United States)

    Vollman, Jim

    2009-01-01

    The Job Central National Labor Exchange (www.jobcentral.com) has become the effective replacement for America's Job Bank with state workforce agencies and, increasingly, with community colleges throughout the country. The American Association of Community Colleges (AACC) has formed a partnership with Job Central to promote its use throughout the…

  8. Wetlands Mitigation Banking Concepts

    Science.gov (United States)

    1992-07-01

    the financial risk associated with are normally established in advance, mitigation permitted activities. banks eliminate the lag time between loss and...management natural state or to an enhanced condition and techniques. None of the traditional wetlands begin to amass bankable credits has also been management

  9. Four Women Bank Directors

    Institute of Scientific and Technical Information of China (English)

    1995-01-01

    FOUR of the five directors of state banks in Beihai City in Guangxi Zhuang Autonomous Region are women. These women show that women are no longer only able to manage family finance, but they are able to take charge of the important responsibility for state finance. The mayor of Beihai City calls them the city’s outstanding financial affairs managers.

  10. 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...

  11. The Educational Opportunity Bank.

    Science.gov (United States)

    Jellema, William W.

    The Educational Opportunity Bank (EOB) has received short shrift among educators and many objections have been raised to establishing it. Among these are the workability of the plan, the problem for women borrowers, and the creation of a new force--student financial power - in opposition to the influence of the Federal Government. Though…

  12. Do Central Banks Need Capital?

    OpenAIRE

    Peter Stella

    1997-01-01

    Central banks may operate perfectly well without capital as conventionally defined. A large negative net worth, however, is likely to compromise central bank independence and interfere with its ability to attain policy objectives. If society values an independent central bank capable of effectively implementing monetary policy, recapitalization may become essential. Proper accounting practice in determining central bank profit or loss and rules governing the transfer of the central bank’s ope...

  13. Innovative Secure Mobile Banking Services

    OpenAIRE

    Mousa T AL-Akhras; Rizik Al-Sayyed; Marwah Alian; Doaa Qwasmi

    2011-01-01

    Due to the widespread use of computer technologies in almost all aspects of life, organisations that are connected to the Internet started extending their services to their customers to include new applications and services that satisfy their customers’ desires to make better businesses. One of these emerging applications is mobile banking. The term mobile banking (or m-banking) describes the banking services that the user can perform via a mobile device ubiquitously at anytime and from anywh...

  14. ANALISIS PENYALURAN DANA BANK SYARIAH

    OpenAIRE

    Siswati -

    2013-01-01

    Penelitian ini bertujuan untuk mendeskripsikan karakteristik Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), Sertifikat Wadiah Bank Indonesia (SWBI), dan penyaluran dana Bank Syariah Mega Indonesia. Serta untuk menganalisis pengaruh DPK, NPF, dan bonus SWBI secara simultan maupun parsial terhadap penyaluran dana yang diberikan oleh Bank Syariah Mega Indonesia. Sampel dalam penelitian ini adalah laporan keuangan bulanan Bank Syariah Mega Indonesia tahun 2005-2007. Hasil penelitan ini ...

  15. One Bank,Two Markets

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    The Agricultural Bank of China (ABC),the only non-listed bank among China’s"big four"state-owned commercial banks,is currently un- der the glare of the reform spotlight.This follows on the heals of Premier Wen Jiabao’s announcement during his government work report in March, that a shareholding system will be introduced in the bank and its role in serving agriculture,farmers and rural areas will remain unchanged.

  16. Scrum methodology in banking environment

    OpenAIRE

    Strihová, Barbora

    2015-01-01

    Bachelor thesis "Scrum methodology in banking environment" is focused on one of agile methodologies called Scrum and description of the methodology used in banking environment. Its main goal is to introduce the Scrum methodology and outline a real project placed in a bank focused on software development through a case study, address problems of the project, propose solutions of the addressed problems and identify anomalies of Scrum in software development constrained by the banking environmen...

  17. Modernization projects in Santa Maria e Garona; Proyectos de modernizacion en Santa Maria de Garona

    Energy Technology Data Exchange (ETDEWEB)

    Marcos, R.; Alutiz, J. I.; Garcia Sanchez, M.

    2011-07-01

    This article shows a vision of the Santa Maria de Garona power Plant modernization guidelines and it also presents the most significant projects deployed in the last decade at the power plant grouped in mechanics projects, electrical projects, instrumentations projects and IT projects. At the same time three projects are explained in more detail: the change of one of the main transformers, the evolution from paper recorders to paperless video graphic recorders and the new plant data information system. (Author)

  18. Chinese Commercial Banks Risk Management Practices: A Research in China Banking Risk Management

    OpenAIRE

    Wang, Xiaoling

    2006-01-01

    This dissertation uses a qualitative research approach, and examines the importance and its current situation of banks risk management in China banking. The commercial banking analysis covers China state-own commercial banks and joint-stock commercial banks as well as local city commercial banks, but mainly analysis stems from state-owned and joint-stock commercial banks, excluding foreign banks in China. In addition, this dissertation reveals that China Center Bank and China Bank Regulatory ...

  19. Banking on women's spirit.

    Science.gov (United States)

    Yunus, M

    1993-11-01

    An interview with Professor Mummadad Yunus, Managing Director of the Grameen Bank, revealed that he has provided loans to poor women in Bangladesh since 1976 and that the Grameen Bank has continued his work since 1983. The idea behind the banking system is that poor people without traditionally accepted collateral are good credit risks. In 1993, the Grameen Bank had operations in 33,000 out of a possible 68,000 villages in Bangladesh. The operations include 1030 branches and a staff of 12,000 people. 1.6 million people are recipients of loans, of whom 94% are women. The population served is the poorest and has no experience in income generation. Conclusions drawn from this experience are that women are better managers of resources and are more serious entrepreneurs than men and that the benefits of loan programs for the poor go directly to children and households. Women's self-image suffers from negative social conceptions, and one task is to convince women of their value, skills, and possibility of advancement. The bank philosophy rests with the belief that all human beings are a "treasure of potential possibilities." Women are advised to protect their money and marriage and not to sacrifice one for the other. Husbands initially are against money going to wives, but eventually they understand that the family benefits. Over 200,000 loans have been made for the provision of housing. The loan requirement is that the woman must own the land on which the house is built. Husband's have the opportunity to transfer title of the land to the wife. Ownership of land provides security for the wife.

  20. Readiness for banking technologies in developing countries

    African Journals Online (AJOL)

    banking, internet banking and automated teller machine (ATM) banking to ... businesses in developing countries are building unique ways to market products ... characteristics such as technology readiness, it is therefore important for banks in.

  1. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-Farm Credit Banks... ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Chartered Territories § 614.4070 Loans and chartered territory—Farm Credit Banks, agricultural credit banks, Federal land bank associations,...

  2. 78 FR 20643 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-05

    ... Central Bank and Trust, Lander, Wyoming; CenBank, Buffalo Lake, Minnesota; and VH Bancorporation, Inc... 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...

  3. Bank risk, bailouts and ambiguity

    NARCIS (Netherlands)

    Nijskens, R.G.M.

    2012-01-01

    The theoretical analysis in the second part investigates the effect of liquidity assistance and bailouts on bank risk taking and liquidity choice. Furthermore, it explores the possibilities for central banks to create ambiguity about liquidity assistance, thereby influencing bank choices. The result

  4. Foreign Banks: Trends and Impact

    NARCIS (Netherlands)

    Claessens, S.; van Horen, N.

    2014-01-01

    Over the past two decades, foreign banks have become much more important in domestic financial intermediation, heightening the need to understand their behavior. We introduce a new, comprehensive database, made publicly available, on bank ownership (including the home country of foreign banks) for 5

  5. 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 ...

  6. 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.

  7. Santa Barbara Cluster Comparison Test with DISPH

    CERN Document Server

    Saitoh, Takayuki

    2016-01-01

    The Santa Barbara cluster comparison project (Frenk et al. Frenk+1999) revealed that there is a systematic difference between entropy profiles of clusters of galaxies obtained by Eulerian mesh and Lagrangian smoothed particle hydrodynamics (SPH) codes: Mesh codes gave a core with a constant entropy whereas SPH codes did not. One possible reason for this difference is that mesh codes are not Galilean invariant. Another possible reason is the problem of the SPH method, which might give too much "protection" to cold clumps because of the unphysical surface tension induced at contact discontinuities. In this paper, we apply the density independent formulation of SPH (DISPH), which can handle contact discontinuities accurately, to simulations of a cluster of galaxies, and compare the results with those with the standard SPH. We obtained the entropy core when we adopt DISPH. The size of the core is, however, significantly smaller than those obtained with mesh simulations, and is comparable to those obtained with qu...

  8. Computer Security: a plea to Santa Claus

    CERN Multimedia

    Stefan Lueders, Computer Security Team

    2015-01-01

    Running pirated software or illegal licences, using cracking tools to bypass software activation measures, sharing music and films – these are problems that academic environments unfortunately have to deal with. All violate the copyright of the software/music/film owners, and copyright owners are not Santa Claus...    CERN, like other research organisations and universities, regularly receives allegations from external companies complaining about laptops or PCs running illegal software or sharing their films, videos or music with peers – and thus violating copyright.  Usually, we then contact the owners of the corresponding devices in order to understand whether these allegations are true. Very often such allegations boil down to a laptop whose owner replies “I confirm that a torrent client was left up and running on my device by mistake” or “This is a file that is stored on my personal hard disk.” As if those allegatio...

  9. Hyundai Santa Fe 2.7

    Institute of Scientific and Technical Information of China (English)

    田永梁

    2005-01-01

    Santa Fe无疑现代最强壮结实的汽车,它的自信与果断,让它成为现代汽车当之无愧的大哥。桀骜不驯的造型、怪异的线条、自信果断。虽然颇受争议,但依然是一副毁誉由人的态度。不过,无论你是喜欢还是不喜欢,你都只需要看它一眼就知道:这是现代汽车。

  10. Presence of two cave bear species in La Lucia cave (Lamasón, Cantabria, N Spain): Ursus deningeri von Reichenau and Ursus spelaeus Rosenmüller-Heinroth= Presencia de dos especies de oso de las cavernas en la Cueva de la Lucia(Lamasón, Cantabria, N de España):Ursus deningeri von Reichenau y Ursus spelaeus Rosenmüller-Heinroth

    OpenAIRE

    Torres Pérez-Hidalgo, Trinidad José de

    2005-01-01

    Se presenta el estudio paleontológico sistemático y tafonómico de dos acumulaciones de dientes y huesos de osos fósiles de la Cueva de la Lucia (Lamasón, Cantabria). Los restos de oso se localizaron en dos sitios distintos de la cueva: La Sala (LUS) y La Rampa (LUR). El inventario general de hallazgos y el cálculo de edades a partir del desgaste dentario revelan que en LUR, una parte remota de la cueva sin acceso directo, se han encontrado abundantes restos de U.deningeri que testimo...

  11. THE EPISTEMOLOGICAL PERSPECTIVE OF FRACTIONAL RESERVE BANKING AND FULL RESERVE BANKING: WHERE ISLAMIC BANKING SHOULD STAND?

    National Research Council Canada - National Science Library

    Yaser Taufik Syamlan

    2017-01-01

    Objectives – this research is aimed to compare those epistemological bases to the mindset of Islamic Bank and try to drive the philosophy in practical operation whether based on the Fractional Reserve Banking Sytem (RBS) or 100...

  12. 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...

  13. Factors Affecting Bank Switching Intentions in E-Banking

    Directory of Open Access Journals (Sweden)

    Leyla ÖZER

    2012-12-01

    Full Text Available The purpose of this research is to identify and examine the factors that contribute to bank switching intentions of e-banking customers and whether these intentions differ according to demographic characteristics (age, gender, education, marital status and income levels of customers. Regression results suggested that customer dissatisfaction, low service quality, high price, unfavorable bank reputation, limited product variety and involuntary switching factors were positively related to customers’ bank switching intentions in e-banking. On the other hand, promotion efforts were negatively related to customers’ switching intentions. In addition to this, bank switching intentions were revealed to be differing according to education levels. Bank switching intentions of well-educated customers were tend to be higher, while age, gender, marital status and income level didn’t make a difference on intentions. Based on the empirical results of current study, we will provide several theoretical and managerial implications in the area of service industry.

  14. Early Neogene unroofing of the Sierra Nevada de Santa Marta along the Bucaramanga -Santa Marta Fault

    Science.gov (United States)

    Piraquive Bermúdez, Alejandro; Pinzón, Edna; Bernet, Matthias; Kammer, Andreas; Von Quadt, Albrecht; Sarmiento, Gustavo

    2016-04-01

    Plate interaction between Caribbean and Nazca plates with Southamerica gave rise to an intricate pattern of tectonic blocks in the Northandean realm. Among these microblocks the Sierra Nevada de Santa Marta (SNSM) represents a fault-bounded triangular massif composed of a representative crustal section of the Northandean margin, in which a Precambrian to Late Paleozoic metamorphic belt is overlain by a Triassic to Jurassic magmatic arc and collateral volcanic suites. Its western border fault belongs to the composite Bucaramanga - Santa Marta fault with a combined left lateral-normal displacement. SE of Santa Marta it exposes remnants of an Oligocene marginal basin, which attests to a first Cenoizoic activation of this crustal-scale lineament. The basin fill consists of a sequence of coarse-grained cobble-pebble conglomerates > 1000 m thick that unconformably overlay the Triassic-Jurassic magmatic arc. Its lower sequence is composed of interbedded siltstones; topwards the sequence becomes dominated by coarser fractions. These sedimentary sequences yields valuable information about exhumation and coeval sedimentation processes that affected the massif's western border since the Upper Eocene. In order to analyse uplifting processes associated with tectonics during early Neogene we performed detrital zircon U-Pb geochronology, detrital thermochronology of zircon and apatites coupled with the description of a stratigraphic section and its facies composition. We compared samples from the Aracataca basin with analog sequences found at an equivalent basin at the Oca Fault at the northern margin of the SNSM. Our results show that sediments of both basins were sourced from Precambrian gneisses, along with Mesozoic acid to intermediate plutons; sedimentation started in the Upper Eocene-Oligocene according to palynomorphs, subsequently in the Upper Oligocene a completion of Jurassic to Cretaceous sources was followed by an increase of Precambrian input that became the dominant

  15. 12 CFR 2.5 - Bank compensation.

    Science.gov (United States)

    2010-01-01

    ... the bank's loan customers. (b) Income derived from credit life insurance sales to loan customers may... seq., or to a trust for the benefit of all shareholders, provided that the bank receives reasonable... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Bank compensation. 2.5 Section 2.5 Banks...

  16. 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)...

  17. Are Chinese Banks Ready for Foreigners?

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    Banking reform is crucial to China, as banks dominate the country's financial system. The banking sector is dominated by four state-owned commercial banks-the ICBC, the CCB, the BOC, and the Agricultural Bank of China (ABC). The listing of the Bank of Communications (BOCOM), China's fifth

  18. Comparative Study on the Banking Performances at BCR ERSTE BANK, BRD – GSG and Raiffeisen Bank

    Directory of Open Access Journals (Sweden)

    Claudia MITITELU

    2014-11-01

    Full Text Available This paper aims to make a comparison between the performances of three banks in the banking system in Romania, considered the most representative but also to achieve their classifications and identify correlations between a number of used indicators and indicators expressing banking performance.

  19. Sharing China's Bank Restructuring Bill

    Institute of Scientific and Technical Information of China (English)

    Guonan Ma

    2006-01-01

    This paper addresses the questions related to the cost of China's bank restructuring and how it has been financed. We first propose a framework for recognizing losses. Then, we examine the recent major moves by the Chinese Government to repair the country's bank balance sheets. Finally, we explore the implications of the Chinese Government's methods of funding bank restructuring. We find that the Chinese Government has been decisive in confronting the costly task of bank restructuring. So far, Chinese taxpayers have paid most of the bill for bank restructuring.

  20. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati

    2013-03-01

    Full Text Available This study aims to describe the characteristics of Third Party Funds (TPF, Non-Performing Financing (NPF, Bank Indonesia Certificates Wadiah (SWBI, and funds Islamic Bank Mega Indonesia. Moreover to analyze the influence of DPK, NPF, and the bonus SWBI simultaneously or partially on the distribution of funds provided by the Bank Syariah Mega Indonesia. The sample in this study is the monthly financial report of Bank Syariah Mega Indonesia in 2005-2007. The results of this research showed that DPK, NPF, and Bonus SWBI simultaneous effect on the distribution of funds committed by Bank Syariah Mega Indonesia at 99.2% and the remaining 0.8% influenced by other factors that are not revealed in this study. DPK is partially positive and significant effect on the distribution of funds Bank Syariah Mega Indonesia at 98.65%, while the NPF and Bonus SWBI insignificant effect on the partial distribution of funds committed by Bank Syariah Mega Indonesia.

  1. 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

  2. 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...

  3. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati -

    2013-03-01

    Full Text Available Penelitian ini bertujuan untuk mendeskripsikan karakteristik Dana Pihak Ketiga (DPK, Non Performing Financing (NPF, Sertifikat Wadiah Bank Indonesia (SWBI, dan penyaluran dana Bank Syariah Mega Indonesia. Serta untuk menganalisis pengaruh DPK, NPF, dan bonus SWBI secara simultan maupun parsial terhadap penyaluran dana yang diberikan oleh Bank Syariah Mega Indonesia. Sampel dalam penelitian ini adalah laporan keuangan bulanan Bank Syariah Mega Indonesia tahun 2005-2007. Hasil penelitan ini menunjukkan bahwa DPK, NPF, dan Bonus SWBI berpengaruh secara simultan terhadap penyaluran dana yang dilakukan oleh Bank Syariah Mega Indonesia sebesar 99,2% dan sisanya 0,8%  dipengaruhi oleh faktor lain yang tidak diungkap dalam penelitian ini. Secara parsial DPK berpengaruh positif dan signifikan terhadap penyaluran dana Bank Syariah Mega Indonesia sebesar 98,65%, sedangkan NPF dan Bonus SWBI tidak signifikan berpengaruh secara parsial terhadap penyaluran dana yang dilakukan oleh Bank Syariah Mega Indonesia.This study aims to describe the characteristics of Third Party Funds (TPF, Non-Performing Financing (NPF, Bank Indonesia Certificates Wadiah (SWBI, and funds Islamic Bank Mega Indonesia. Moreover to analyze the influence of DPK, NPF, and the bonus SWBI simultaneously or partially on the distribution of funds provided by the Bank Syariah Mega Indonesia. The sample in this study is the monthly financial report of Bank Syariah Mega Indonesia in 2005-2007. The results of this research showed that DPK, NPF, and Bonus SWBI simultaneous effect on the distribution of funds committed by Bank Syariah Mega Indonesia at 99.2% and the remaining 0.8% influenced by other factors that are not revealed in this study. DPK is partially positive and significant effect on the distribution of funds Bank Syariah Mega Indonesia at 98.65%, while the NPF and Bonus SWBI insignificant effect on the partial distribution of funds committed by Bank Syariah Mega Indonesia.

  4. Banking on Corporate Social Responsibility

    Directory of Open Access Journals (Sweden)

    Timothy Rice

    2015-10-01

    Full Text Available This exploratory study set out to understand the true value of Corporate Social Responsibility (CSR in the banking sector. Businesses, including banks, actively participate in CSR but the question of value still persists. What does the bank receive in return for participating in CSR? Do banks get more customers as a result of their CSR programmes? Do banks have a better customer retention rate because of their CSR programme? Will customers change banks purely because they disagree with their banks CSR programme? These were some of the issues addressed but due to the small sample size, the findings cannot be generalised. The study did not find any significant, positive nor negative relationship, between CSR and the bank customers; meaning the tests could not provide evidence that for instance CSR programmes should be targeted towards female customers or customers of a certain age or income bracket. More importantly 80% of the respondents did not consider CSR an issue that was important enough to affect their choice of banks. They will not switch banks purely based on a bank’s CSR programme. Understandably they were more interested in bank fees and interest rates. These issues directly affected their reason for choosing a particular bank. So the question of why banks, and presumably other businesses, still participate and spend a lot of money on CSR when their customers do not seem to place much value on it, still persists. The findings suggest that a much larger study on the topic is warranted. It will aid banks and other businesses decide on their role in corporate social responsibility. Whose needs are being satisfied by participating in CSR?

  5. Backscatter B [USGS]--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for part of the acoustic-backscatter map (see sheet 3, SIM 3281) of the Offshore of Santa Barbara map area, California. The...

  6. Bathymetry and Acoustic Backscatter: Northern Santa Barbara Channel, Southern California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This report presents bathymetry and acoustic backscatter data collected in July 2008 in the northern Santa Barbara Channel, California, using a bathymetric sidescan...

  7. Geology and geomorphology--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the geologic and geomorphic map of the Offshore Santa Cruz map area, California. The vector data file is included in...

  8. Backscatter B [USGS]--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for part of the acoustic-backscatter map (see sheet 3, SIM 3281) of the Offshore of Santa Barbara map area, California. The...

  9. Backscatter A [CSUMB]--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for part of the acoustic-backscatter map (see sheet 3, SIM 3281) of the Offshore of Santa Barbara map area, California. The...

  10. Seafloor character--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for the seafloor-character map (see sheet 5, SIM 3281) of the Offshore of Santa Barbara map area, California. The raster data...

  11. Geology and geomorphology--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for the geologic and geomorphic map (see sheet 10, SIM 3281) of the Offshore of Santa Barbara map area, California. The vector...

  12. Backscatter A [CSUMB]--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for part of the acoustic-backscatter map (see sheet 3, SIM 3281) of the Offshore of Santa Barbara map area, California. The...

  13. Santa Barbara, California Tsunami Forecast Grids for MOST Model

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — The Santa Barbara, California Forecast Model Grids provides bathymetric data strictly for tsunami inundation modeling with the Method of Splitting Tsunami (MOST)...

  14. Santa Monica, California Tsunami Forecast Grids for MOST Model

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — The Santa Monica, California Forecast Model Grids provides bathymetric data strictly for tsunami inundation modeling with the Method of Splitting Tsunami (MOST)...

  15. Bathymetry and Acoustic Backscatter: Northern Santa Barbara Channel, Southern California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This report presents bathymetry and acoustic backscatter data collected in July 2008 in the northern Santa Barbara Channel, California, using a bathymetric sidescan...

  16. Geology and geomorphology--Offshore Santa Cruz, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of DS 781 presents data for the geologic and geomorphic map of the Offshore Santa Cruz map area, California. The vector data file is included in...

  17. The Trail Inventory of Santa Ana NWR [Cycle 2

    Data.gov (United States)

    US Fish and Wildlife Service, Department of the Interior — The purpose of this report is to create a baseline inventory of all non-motorized trails on Santa Ana National Wildlife Refuge. Trails in this inventory are eligible...

  18. Estuarine ecology : A report on Santa Clara County Wetlands

    Data.gov (United States)

    US Fish and Wildlife Service, Department of the Interior — This report on the Santa Clara County wetlands was written just prior to the establishment of the San Francisco Bay National Wildlife Refuge. The report summarizes...

  19. Geology and geomorphology--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for the geologic and geomorphic map (see sheet 10, SIM 3281) of the Offshore of Santa Barbara map area, California. The vector...

  20. Seafloor character--Offshore of Santa Barbara, California

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for the seafloor-character map (see sheet 5, SIM 3281) of the Offshore of Santa Barbara map area, California. The raster data...

  1. Virtual blood bank.

    Science.gov (United States)

    Wong, Kit Fai

    2011-01-24

    Virtual blood bank is the computer-controlled, electronically linked information management system that allows online ordering and real-time, remote delivery of blood for transfusion. It connects the site of testing to the point of care at a remote site in a real-time fashion with networked computers thus maintaining the integrity of immunohematology test results. It has taken the advantages of information and communication technologies to ensure the accuracy of patient, specimen and blood component identification and to enhance personnel traceability and system security. The built-in logics and process constraints in the design of the virtual blood bank can guide the selection of appropriate blood and minimize transfusion risk. The quality of blood inventory is ascertained and monitored, and an audit trail for critical procedures in the transfusion process is provided by the paperless system. Thus, the virtual blood bank can help ensure that the right patient receives the right amount of the right blood component at the right time.

  2. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

    Full Text Available Virtual blood bank is the computer-controlled, electronically linked information management system that allows online ordering and real-time, remote delivery of blood for transfusion. It connects the site of testing to the point of care at a remote site in a real-time fashion with networked computers thus maintaining the integrity of immunohematology test results. It has taken the advantages of information and communication technologies to ensure the accuracy of patient, specimen and blood component identification and to enhance personnel traceability and system security. The built-in logics and process constraints in the design of the virtual blood bank can guide the selection of appropriate blood and minimize transfusion risk. The quality of blood inventory is ascertained and monitored, and an audit trail for critical procedures in the transfusion process is provided by the paperless system. Thus, the virtual blood bank can help ensure that the right patient receives the right amount of the right blood component at the right time.

  3. 12 CFR 614.4352 - Farm Credit Banks and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Banks and agricultural credit banks. 614.4352 Section 614.4352 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4352 Farm Credit Banks and agricultural...

  4. SANTA CRUZ, GUANACASTE: LOCAL CULTURE, TOURISM AND GLOBALIZATION

    OpenAIRE

    2013-01-01

    The article analyzes the relationship between local culture of the canton of Santa Cruz, Guanacaste, and the development of tourism in the canton. In a first section explores the origin and development of popular culture in the canton, linking it to traditional farming activities, and then describes the deployment of tourism in Santa Cruz, in order to analyze the popular culture of the canton in a framework of productive activities ranging from farming to tourism, in a context of econo...

  5. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    Chian-Son Yu

    2014-06-01

    Full Text Available Through investigating factors that influence consumers to make a transition from online to mobile banking, this empirical study shows that relative attitude and relative subjective norm positively motivated respondents to switch from Internet to mobile banking while relative perceived behavior control deterred respondents from transitioning. Empirical results also demonstrated that Internet banking is superior to mobile banking in terms of consumer relative compatibility, self-efficacy, resource facilitating conditions, and technology facilitating conditions. Meanwhile, mobile banking emerged as superior to Internet banking for other constructs. By adding a comparative concept into an extended decomposed theory of planned behavior (DTPB model, this study may expand the applicable domain of current social psychology theories from the adoption of single products or services to the choice between competing products or services that achieve similar purposes and functions.

  6. BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

    Directory of Open Access Journals (Sweden)

    Dumitru-Cristian OANEA

    2014-04-01

    Full Text Available Commercial banks and co-operative banks are credit institutions, but there are some differences between the main operations proceeded by each of them. Based on these specific characteristics, we want to identify the manner in which financial crisis affected their activity. As we all know, the financial crisis had a major impact in the United States, the “natal” country of the crisis, because great banks such as Lehman Brothers or Merrill Lynch have bankrupted. Even if the Romanian banking system was not affected by such catastrophic situations, surely the financial crisis had a significant impact on it. This topic is worth to be analysed, because we would be able to identify the risk differences between these two types of business: commercial banks versus co-operative banks.

  7. RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

    Directory of Open Access Journals (Sweden)

    Aji Damanuri

    2016-02-01

    Aji Damanuri   Abstract: Shari>’ah banking, for the last ten years, has increased in prosperity not only at the quantity of conventional banks but also at the count of assets and customers. This economical opportunity drives amount of conventional banks both to convert their institutions to be shari>’ah banks and to open officially shari>’ah platform units with their own assets. This system takes a significant question, is the conversion effected by both banker ideological factor and capitalists or pure economical rational calculation? Is a religious consideration linked to economical rationality? This paper is to elaborate the conversion using not only ‘choice theory’ (teori pilihan but also ‘rational action’ (tindakan rasional to seek religious action possibility in a reasonable way of shari>’ah banking.   Keywords: shari>’ah bank, conversion, rational action, religiosity.

  8. PENERAPAN KETENTUAN KEPAILITAN PADA BANK YANG BERMASALAH

    Directory of Open Access Journals (Sweden)

    Ari Purwadi

    2011-05-01

    Full Text Available Legal research is motivated that the Bank is a business entity that has special characteristics that revocation of business licenses, corporate dissolution, and liquidation of the bank can not be equated with generally accepted procedures. In this situation the bank can not resolve the difficulty or the circumstances of the bank concerned endanger the national banking system will require the role of BankIndonesia. Is bankruptcy can be applied to troubled banks? By using the normative approach, based on the provisions of the Banking Law, BankIndonesiais authorized to revoke the business licenses of problem banks. Bankruptcy law also authorizes the Bank Indonesia to file bankruptcy for troubled banks. So far, BankIndonesiain dealing with troubled banks after a failed rescue attempt using the process of liquidation, bankruptcy efforts have not used.

  9. MOBILE BANKING AND SUSTAINABLE GROWTH

    Directory of Open Access Journals (Sweden)

    Atul Srivastava

    2013-01-01

    Full Text Available The paper discusses about awareness of mobile banking services and their possible contribution towards sustainable growth. This study attempts to look into the issues regarding mobile banking services and their possible contribution in financial inclusion in India. With the help of this study author tries to focus those areas where banks can provide these mobile banking services. If this service is adopted in a positive manner it can drastically change the scenario of Financial Inclusion. For a successful financial inclusion i.e., inclusive growth, in this era, combination of both the services i.e., banking as well as mobile is very much required. Mobile banking which can be termed as virtual banking can do wonders for the economy, because these days growth in economy is possible with the help of financial inclusion and in current scenario, statistics reveals that it is very easy with the help of mobile banking. This study has been done in two phases. First phase discusses about awareness of M-banking services and Second phase discusses about possible contribution of mobile banking towards financial inclusion. M-banking in India, as assessed by the govt. can work as a potent tool for financial inclusion, is yet to clear many hurdles before it can fulfill its objective of reaching the unbanked population. In fact including rural subscribers in the banking net can help in inclusive growth, as it not very difficult to go for a mobile phone rather than going for a computer in rural areas. This service can do wonders if implemented effectively and sincerely. If any service is provided, there are always two sides, supply side and demand side. M-banking in India, as assessed by the govt. can work as a potent tool for financial inclusion, is yet to clear many hurdles before it can fulfill its objective of reaching the unbanked population. If this service is adopted in a positive manner it can drastically change the scenario of Financial Inclusion.

  10. Nutrient contributions to the Santa Barbara Channel, California, from the ephemeral Santa Clara River

    Science.gov (United States)

    Warrick, J.A.; Washburn, L.; Brzezinski, Mark A.; Siegel, D.A.

    2005-01-01

    The Santa Clara River delivers nutrient rich runoff to the eastern Santa Barbara Channel during brief (???1-3 day) episodic events. Using both river and oceanographic measurements, we evaluate river loading and dispersal of dissolved macronutrients (silicate, inorganic N and P) and comment on the biological implications of these nutrient contributions. Both river and ocean observations suggest that river nutrient concentrations are inversely related to river flow rates. Land use is suggested to influence these concentrations, since runoff from a subwatershed with substantial agriculture and urban areas had much higher nitrate than runoff from a wooded subwatershed. During runoff events, river nutrients were observed to conservatively mix into the buoyant, surface plume immediately seaward of the Santa Clara River mouth. Dispersal of these river nutrients extended 10s of km into the channel. Growth of phytoplankton and nutrient uptake was low during our observations (1-3 days following runoff), presumably due to the very low light levels resulting from high turbidity. However, nutrient quality of runoff (Si:N:P = 16:5:1) was found to be significantly different than upwelling inputs (13:10:1), which may influence different algal responses once sediments settle. Evaluation of total river nitrate loads suggests that most of the annual river nutrient fluxes to the ocean occur during the brief winter flooding events. Wet winters (such as El Nin??o) contribute nutrients at rates approximately an order-of-magnitude greater than "average" winters. Although total river nitrate delivery is considerably less than that supplied by upwelling, the timing and location of these types of events are very different, with river discharge (upwelling) occurring predominantly in the winter (summer) and in the eastern (western) channel. ?? 2004 Elsevier Ltd. All rights reserved.

  11. Umbilical cord blood banks. Ethical aspects. Public versus private banks.

    Science.gov (United States)

    Aznar Lucea, Justo

    2012-01-01

    The creation of umbilical cord blood (UCB) banks raises interesting medical, social, economic and ethical issues. This paper reviews the ethical problems specifically. In this respect, it evaluates: a) whether there are advantages to the use of UCB compared to bone marrow, b) whether or not it is ethical to create UCB banks, c) whether their creation is ethically acceptable in terms of their clinical usefulness or d) the use made of them for therapeutic purposes, and finally e) whether their creation is ethically justified from a cost/profitability point of view. We focus primarily on evaluating the ethical controversy between public and private banks, particularly on whether it is ethical to bank autologous blood in private UCB banks, on the basis of its limited possibilities for use by the cord blood donor. We can conclude that, from an ethical point of view, autologous blood banks have limited acceptance among specialised researchers, scientific societies and other public institutions. Therefore, we believe that it is ethically more acceptable to support the creation of public UCB banks for medical and social reasons and, above all, based on the principle of justice and human solidarity. Nevertheless, there is no definitive ethical argument why a couple, according to their autonomy and freedom, cannot bank their child's UCB in a private bank. An equally acceptable solution could be the creation of mixed banks, such as that proposed by the Virgin Health Bank or like the Spanish system where autologous samples can be stored in public banks but with the proviso that if at any time the stored sample is required by any person other than the donor, it would have to be given to them.

  12. MANAGING DISRUPTIVE TECHNOLOGY — INTERNET BANKING VENTURES FOR TRADITIONAL BANKS

    OpenAIRE

    Stephen K. Callaway; Hamilton, Robert D.

    2008-01-01

    This study examines the perception of the nature of technological change for Internet Banking by proposing and testing a model of the strategic management of online banking by traditional banks. Specifically, this empirical study uses a stratified sample of the FDIC database to address how perception of the technology and the environmental context (knowledge of cause-effect relations and crystallized outcome standards) impact internal and external constituency relationships (including social ...

  13. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    The Greek Crisis is a crisis rather than a problem due to the vulnerability of Greek banks. While the banks have deep problems, this column argues that these would have been mitigated if a fully operational banking union were in place. A full banking union requires joint banking supervision, joint...... bank resolution, and joint deposit insurance. The EZ only has the first so far. Completing the banking union must be part of any long-term solution....

  14. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    The Greek Crisis is a crisis rather than a problem due to the vulnerability of Greek banks. While the banks have deep problems, this column argues that these would have been mitigated if a fully operational banking union were in place. A full banking union requires joint banking supervision, joint...... bank resolution, and joint deposit insurance. The EZ only has the first so far. Completing the banking union must be part of any long-term solution....

  15. Customer perceptions on Internet banking information protection

    OpenAIRE

    André Redlinghuis; Chris Rensleigh

    2010-01-01

    Background: South Africa has a well-developed and established banking system which compares favourably with those in many developed countries (e.g. USA), but also sets South Africa apart from many other emerging market countries like Egypt and Brazil. Four dominant banks, namely the Amalgamated Banks of South Africa (ABSA), Standard Bank, Nedcor and First National Bank (FNB) influence the South African banking environment. Internet banking has slowly been taking off in South Africa since 1996...

  16. Santa Barbara Cluster Comparison Test with DISPH

    Science.gov (United States)

    Saitoh, Takayuki R.; Makino, Junichiro

    2016-06-01

    The Santa Barbara cluster comparison project revealed that there is a systematic difference between entropy profiles of clusters of galaxies obtained by Eulerian mesh and Lagrangian smoothed particle hydrodynamics (SPH) codes: mesh codes gave a core with a constant entropy, whereas SPH codes did not. One possible reason for this difference is that mesh codes are not Galilean invariant. Another possible reason is the problem of the SPH method, which might give too much “protection” to cold clumps because of the unphysical surface tension induced at contact discontinuities. In this paper, we apply the density-independent formulation of SPH (DISPH), which can handle contact discontinuities accurately, to simulations of a cluster of galaxies and compare the results with those with the standard SPH. We obtained the entropy core when we adopt DISPH. The size of the core is, however, significantly smaller than those obtained with mesh simulations and is comparable to those obtained with quasi-Lagrangian schemes such as “moving mesh” and “mesh free” schemes. We conclude that both the standard SPH without artificial conductivity and Eulerian mesh codes have serious problems even with such an idealized simulation, while DISPH, SPH with artificial conductivity, and quasi-Lagrangian schemes have sufficient capability to deal with it.

  17. Santa Claus Schedules Jobs on Unrelated Machines

    CERN Document Server

    Svensson, Ola

    2010-01-01

    One of the classic results in scheduling theory is the 2-approximation algorithm by Lenstra, Shmoys, and Tardos for the problem of scheduling jobs to minimize makespan on unrelated machines, i.e., job j requires time p_{ij} if processed on machine i. More than two decades after its introduction it is still the algorithm of choice even in the restricted model where processing times are of the form p_{ij} in {p_j, \\infty}. This problem, also known as the restricted assignment problem, is NP-hard to approximate within a factor less than 1.5 which is also the best known lower bound for the general version. Our main result is a polynomial time algorithm that estimates the optimal makespan of the restricted assignment problem within a factor 33/17 + \\epsilon \\approx 1.9412 + \\epsilon, where \\epsilon > 0 is an arbitrary small constant. The result is obtained by upper bounding the integrality gap of a certain strong linear program, known as configuration LP, that was previously successfully used for the related Santa...

  18. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

    This thesis consists of three chapters. The rst, "Paying for Payments", examines the role of interchange fees in payment card networks. The second, "Bank Liquidity and the Interbank Market" (co-authored with Mikael Reimer Jensen), investigates how banks' liquidity holdings at the central bank a ect...... outcomes in the money market. The third, "Collateralized Lending and Central Bank Collateral Policy", considers the emergence of credit constraints under collateralized lending, and how central banks use collateral policy to mitigate these constraints. While the chapters can be read independently......, they share common themes. Each chapter is concerned with payments in one way or another, each is concerned with the e ciency of market outcomes, and, to the extent that there is scope for improving these outcomes, each discusses the appropriate role for policy, in particular central bank policy....

  19. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

    This thesis consists of three chapters. The rst, "Paying for Payments", examines the role of interchange fees in payment card networks. The second, "Bank Liquidity and the Interbank Market" (co-authored with Mikael Reimer Jensen), investigates how banks' liquidity holdings at the central bank a ect...... outcomes in the money market. The third, "Collateralized Lending and Central Bank Collateral Policy", considers the emergence of credit constraints under collateralized lending, and how central banks use collateral policy to mitigate these constraints. While the chapters can be read independently......, they share common themes. Each chapter is concerned with payments in one way or another, each is concerned with the e ciency of market outcomes, and, to the extent that there is scope for improving these outcomes, each discusses the appropriate role for policy, in particular central bank policy....

  20. 76 FR 2383 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-01-13

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...: 1. SG-BBC, LLC, and The Stephens Group, LLC, both of Little Rock, Arkansas; to acquire voting...

  1. 77 FR 64115 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-18

    ... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Banking Corporation, and thereby indirectly acquire voting shares of Security State Bank, both in...

  2. 76 FR 16776 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-03-25

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors... Apple Valley, Minnesota; to acquire voting shares of Bridgewater Bancshares, Inc., and thereby...

  3. BEATING BANKS THROUGH KNOWLEDGE

    Directory of Open Access Journals (Sweden)

    Monica CALU

    2017-05-01

    Full Text Available In Romania, in the last decade, a significant number of solutions favorable to consumers with foreign currency denominated loans were obtained in courts against the banks or non-bank financial institutions. The judges noted the unfairness of the contractual terms inserted in the loans agreement and absolute nullity of these clauses. Also, in the context of the global economic and financial crisis triggered by the collapse of the banking system with the consequence of depreciation and/or sudden and high fluctuation of domestic currencies against the “safe-heaven currencies”, the theory of unpredictability becomes a particularly important institution. This paper deals with the concepts of „abusive clauses”, „unfair commercial practices” and „providing untruthful information to consumers to influence their choices”. It is also presenting a view of good faith and equity on the performance of contract and the “distribution of the risk” of the contract in the conditions of applying to the “unpredictability theory” in the context of terms of law doctrine and the relevant case law. The objective of this study is to demonstrate that by applying the theory of unpredictability to the occurrence of currency risk associated with loans in foreign currency and by subjecting to examination by court to the clauses whereby the consumer must assume the risk given by the changing of the circumstances of the execution of the contract can be obtain by the consumer or a rebalancing of the understanding of the parties or the cancellation clause which significantly unbalanced the consumer's obligation to bear any risk.

  4. "Credit Markets and Narrow Banking"

    OpenAIRE

    Ronnie Phillips

    1992-01-01

    Maurice Allais's view that the credit created by fractional reserve banking is equivalent to counterfeiting has led him to recommend the separation of the depository and lending functions of banks. This proposal has recently been reintroduced by James Tobin and others under the term "narrow banking." Proponents cite the potential for enhanced safety of the payments mechanism and the elimination of costs associated with the preses system of Federal deposit insurance. This plan resembles the "1...

  5. The Promotion of Banking Services

    OpenAIRE

    IVAN Rica

    2012-01-01

    The purpose of the scientific approach is to demonstrate the usefulness of the adoption of modern promotion techniques in the actual financialbanking sector, in addition to the classical techniques. To achieve this end, the investigation of the Romanianfinancial-banking sector has been deeply conducted, by evaluating the market relations existing between the financial and banking institutions and individuals, as well as promotional techniques adopted by banks, during the communication process...

  6. Credit risk management in banks

    OpenAIRE

    Pětníková, Tereza

    2014-01-01

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

  7. Improving public disclosure in banking

    OpenAIRE

    anonymous

    2000-01-01

    The use of market discipline as a complement to bank supervision and regulation has gained greater acceptance in the United States and abroad. It is also widely recognized that effective market discipline depends on market participants' having information about the risks and financial condition of banking organizations. Therefore, attention is being focused increasingly on ways to improve transparency in banking. Staff of the Federal Reserve System undertook a staff study, Improving Public Di...

  8. GenBank

    OpenAIRE

    Burks, Christian; Cassidy, Maxxwell; Cinkosky, Michael J.; Cumella, Karen E.; Gilna, Paul; Hayden, Jamie E.-D.; Keen, Gifford M.; Kelley, Tom A.; Kelly, Michael; Kristofferson, David; Ryals, Julie

    1991-01-01

    The GenBank nucleotide sequence database now contains sequence data and associated annotation corresponding to 56,000,000 nucleotides in 45,000 entries. The input stream of data coming into the database has largely been shifted to direct submissions from the scientific community on electronic media. The data have been installed in a relational database management system and are made available in this form through on-line access, and through various network and off-line computer-readable media...

  9. Fractional Reserve Banking

    OpenAIRE

    Andreasen, Niels; Bjerregaard, Mads; Lund, Jonas; Olsen, Ove Bitsch; Rasmussen, Andreas Dalgas

    2012-01-01

    Projektet er bygget op omkring kritisk realisme, som er det gennemgående videnskabelige fundament til undersøgelsen af hvilke strukturelle grunde der er til finansiel ustabilitet i Danmark. Projektet går i dybden med Fractional Reserve Banking og incitamentsstrukturen i banksystemet. Vi bevæger os både på det makro- og mikroøkonomiske niveau i analysen. På makro niveau bruger vi den østrigske skole om konjunktur teori (The Positive Theory of the Cycle). På mikro niveau arbejder vi med princip...

  10. Fractional Reserve Banking

    OpenAIRE

    Andreasen, Niels; Bjerregaard, Mads; Lund, Jonas; Olsen, Ove Bitsch; Rasmussen, Andreas Dalgas

    2012-01-01

    Projektet er bygget op omkring kritisk realisme, som er det gennemgående videnskabelige fundament til undersøgelsen af hvilke strukturelle grunde der er til finansiel ustabilitet i Danmark. Projektet går i dybden med Fractional Reserve Banking og incitamentsstrukturen i banksystemet. Vi bevæger os både på det makro- og mikroøkonomiske niveau i analysen. På makro niveau bruger vi den østrigske skole om konjunktur teori (The Positive Theory of the Cycle). På mikro niveau arbejder vi med princip...

  11. Jordan Banks Financial Soundness Indicators

    Directory of Open Access Journals (Sweden)

    Imad Kutum

    2015-09-01

    Full Text Available The aim of this research paper is to examine the Jordanian banks using financial soundness indicators. This is to establish if Jordanian banks were affected because of the 2007/2008 financial crisis and determine the underlying reasons. The research paper was conducted on 25 banks in Jordan listed in the countries securities exchange. The research methodology used consisted of examining the banks financial records in order to derive four crucial Basel III ratio such as the capital adequacy ratio, the leverage ratio, the liquidity ratio and finally the Total Provisions (As % Of Non-Performing Loans %. The results revealed that out of the four hypotheses under examination Jordan Banks do not meet Basel financial Indicators for Capital Adequacy Ratio, Jordan Banks does not meet Basel financial Indicators for Liquidity Ratio , Jordan Banks do not meet Basel financial Indicators for Leverage Ratio and Jordan Banks do not meet Basel financial Indicators for Total Provisions (As % Of Non-Performing Loans ratio. Only one hypothesis was accepted based on the research outcomes. The rest of the hypothesis was rejected since the average trend line did not go below the Basel III required ratio level. The general outcome of the research revealed that Jordanian banks were not affected significantly by the financial crisis.

  12. Halcyon Days of the Banks?

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    With limited exposure to the global financial crisis, Chinese banks have remained profitable for the past three quarters while the rest of the world has groaned under the spreading global financial turmoil, China’s banking industry reported another season of good harvest when 14 listed banks all managed to secure high net profit growth in the first three quarters of this year. According to their quarterly reports, the 14 banks reaped a total of 334.1 billion yuan ($49 billion) in net profit during the period,

  13. 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...

  14. Perbandingan Penawaran Investasi Depostio Bank Syariah

    Directory of Open Access Journals (Sweden)

    Hery Harjono Muljo

    2010-05-01

    Full Text Available From the beginning, the sharia banks operation is always supporting mosleem expectations. Economic recovery, fairness, security, and comfortness aspects are became ultimate goals of sharia bank in Indonesia. This research is comparing the investment deposits from 3 sharia banks, and 4 business units of sharia, by using comparative descriptive analysis. The comparative variables were devided into 3 categories; there are Nisbah (profit sharing, investment conditions, and bank fascilities. The results indicates that BNI has the highest nisbah between all sharia banks at the first category. Bank Muamalat Indonesia, BNI Sharia, Bank Sharia Mega Indonesia has the lowest openning balance of time-deposits at second category . The product fascility as the third category, indicates that Bank Sharia Mandiri, BNI Sharia, Bank Sharia Mega Indonesia, and Bank Muamalat can using multi currency. BTN Sharia, Bank Sharia Mega Indonesia, Bank Muamalat Indonesia, and Bank Danamon Sharia were also offer joint account in their sharia investment. 

  15. Perbandingan Penawaran Investasi Depostio Bank Syariah

    Directory of Open Access Journals (Sweden)

    Hery Harjono Muljo

    2010-04-01

    Full Text Available From the beginning, the sharia banks operation is always supporting mosleem expectations. Economic recovery, fairness, security, and comfortness aspects are became ultimate goals of sharia bank in Indonesia. This research is comparing the investment deposits from 3 sharia banks, and 4 business units of sharia, by using comparative descriptive analysis. The comparative variables were devided into 3 categories; there are Nisbah (profit sharing, investment conditions, and bank fascilities. The results indicates that BNI has the highest nisbah between all sharia banks at the first category. Bank Muamalat Indonesia, BNI Sharia, Bank Sharia Mega Indonesia has the lowest openning balance of time-deposits at second category . The product fascility as the third category, indicates that Bank Sharia Mandiri, BNI Sharia, Bank Sharia Mega Indonesia, and Bank Muamalat can using multi currency. BTN Sharia, Bank Sharia Mega Indonesia, Bank Muamalat Indonesia, and Bank Danamon Sharia were also offer joint account in their sharia investment.

  16. Anofelinos de Santa Catarina (Diptera: Culicidae, Brasil Anophelines of Santa Catarina (Diptera: Culicidae, Brazil

    Directory of Open Access Journals (Sweden)

    Maria da Graça Teixeira Portes

    2010-04-01

    Full Text Available INTRODUÇÃO: No Brasil, a Região Amazônica é endêmica em malária. Em Santa Catarina, a malária foi eliminada na década de 80. A partir daí, ocorreram poucos casos autóctones isolados, e esporádicos. No entanto, em função da existência do vetor em seu território, da existência de extensa área endêmica no Brasil e da grande mobilidade de pessoas em áreas turísticas no estado, existe a probabilidade de reintrodução da doença. MÉTODOS: Utilizou-se os seguintes dados: Banco de Dados do Núcleo de Entomologia da Fundação Nacional de Saúde, Santa Catarina (ACCES,1997-2000; Sistema de Informação de Vigilância Epidemiológica, Secretaria de Vigilância em Saúde (Malária/SC e Sistema de Informação de Notificação e Agravo(SINAN/SC. Os mesmos foram transportados e analisados, no programa Microsoft Office Excel 2007. RESULTADOS: As coletas foram realizadas em 48 municípios, 159 localidades, sendo identificados 12.310 Culicídeos, 11.546 (93,7% Anopheles e 764 (6,2% como outros. Foram identificados três subgêneros e 13 espécies de anofelinos. CONCLUSÕES: Considerando que nos municípios pesquisados, foi identificada a presença de importantes vetores como Anopheles cruzii e Anopheles albitasis e há circulação de pessoas infectadas provenientes de áreas endêmicas, pode-se considerar que os mesmos são áreas receptivas e vulneráveis à malária. Essas espécies são suspeitas de serem responsáveis pela transmissão de malária na região, principalmente nos municípios de Gaspar, Indaial e Rodeio.INTRODUCTION: The Amazon region of Brazil is endemic for malaria. In the State of Santa Catarina, malaria was eliminated in the 1980s. Since then, a few sporadic isolated autochthonous cases have occurred. However, because malaria vectors are present within Brazilian territory and extensive endemic areas exist in this country, along with the great mobility of people in tourist areas of Santa Catarina, there is the

  17. 12 CFR 811.1 - Authority of Reserve Banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Authority of Reserve Banks. 811.1 Section 811.1 Banks and Banking FEDERAL FINANCING BANK BOOK-ENTRY PROCEDURE FOR FEDERAL FINANCING BANK SECURITIES § 811.1 Authority of Reserve Banks. Each Reserve Bank is hereby authorized, in accordance with...

  18. Mobile Banking Supervising System- Issues, Challenges and Suggestions to improve Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Dr.K.Kavitha

    Full Text Available Banking is one of the Largest Financial Institution which constantly provides better Customer Services. To improve the Service Quality, Banking Services are expanded to Mobile Technology. Recently Mobile Banking plays a vital role in Banking Sector. This ...

  19. BEST BANKS TO BUY IN CHINA

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    @@ CEOs of international banks face their toughest challenge in China. Citibank and HSBC already moved aggressively by taking stakes in the remaining large and well-known banks, such as the Shanghai Pudong Development Bank and the Bank of Communications. Such tie-ups offer opportunities to market credit cards and other banking products through local networks.

  20. Online Banking Customers: Insights from Germany

    Directory of Open Access Journals (Sweden)

    Sven Christian Berger

    2007-04-01

    Full Text Available Online banking is wide spread among German banking customers. But what really characterizes those customers? Using data from a nation-wide survey of about 20,000 retail banking customers, the authors analyze the profile of online banking customers and their banking behavior.

  1. Should the 'Outs' Join the Banking Union?

    NARCIS (Netherlands)

    P. Hüttl (Pia); D. Schoenmaker (Dirk)

    2016-01-01

    textabstractThe Single Market stimulates cross-border banking throughout the European Union. This paper documents the banking linkages between the 9 ‘outs’ and 19 ‘ins’ of the Banking Union. We find that some of the major banks, based in Sweden and Denmark, have substantial banking claims across the

  2. 40 CFR 91.205 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 91.205 Section 91.205... EMISSIONS FROM MARINE SPARK-IGNITION ENGINES Averaging, Banking, and Trading Provisions § 91.205 Banking. (a... banking. (i) For outboard engines in model year (MY) 1997, a manufacturer may bank positive emission...

  3. Recent trends in cross-border banking

    NARCIS (Netherlands)

    De Haas, Ralph; van Horen, Neeltje; Beck, Thorsten; Casu, Barbara

    2017-01-01

    This chapter identifies a number of recent trends in European cross-border banking. The authors first distinguish between two main modes of international banking: cross-border versus multinational banking. Cross-border banking occurs when a bank in country A lends directly to a borrower in country

  4. 32 CFR 643.113 - Banks.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 4 2010-07-01 2010-07-01 true Banks. 643.113 Section 643.113 National Defense... Authority of Commanders § 643.113 Banks. (a) The establishment of banks, branch banks, and banking... fair market value, and reimbursement will be required for utilities and services furnished. (e) A...

  5. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

    This paper expands the banking efficiency literature by developing a banking intermediation model that captures both profit-maximizing and Corporate Social Responsibilities (CSR) of banks. Using a data set of 21 banks for each year 2006-2008, we evaluate the relative efficiency of Ghanaian banks...

  6. Australian Item Bank Program: Social Science Item Bank.

    Science.gov (United States)

    Australian Council for Educational Research, Hawthorn.

    After vigorous review, editing, and trial testing, this item bank was compiled to help secondary school teachers construct objective tests in the social sciences. Anthropology, economics, ethnic and cultural studies, geography, history, legal studies, politics, and sociology are among the topics represented. The bank consists of multiple choice…

  7. Central Bank Focuses on Money Supply and Commercial Bank Reform

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    @@ Money supply index will continue to be the main topic of the annual meeting of Central Bank, this has actually refuted the rumor that the intermediate goal of Central Bank's monetary policy,which has been implementing for 8 years, will be demolished.

  8. Contagious bank failures in a free banking system

    NARCIS (Netherlands)

    Aghion, P.; Bolton, P.; Dewatripont, M.

    2000-01-01

    This paper develops a model of an unregulated banking system based around a private clearing house arrangement. Whilst such a system may dominate one with a public safety net in reducing moral hazard in lending and therefore the scope for individual bank insolvency, it also increases the likelihood

  9. Liquidity Risk on Banking Industry: Comparative Study Between Islamic Bank and Conventional Bank in Indonesia

    OpenAIRE

    Harjum Muharam; Hasna Penta Kurnia

    2015-01-01

    Conventional and Islamic banks approximately are similar in risk summary. Therefore it needs further observations to control their liquidity risk. This study investigates the influence of CAR, profitability rasios, NIM, liquidity gaps, and RLA belongs to liquidity risk on banking industry. The statistical analysis concluded that there are negative and significant influence of CAR and ROE to liquidity risk on conventional banks, while ROA and RLA have positive and significant effect. In Islami...

  10. Reflexión sobre una intervención histórica en la ciudad de Santiago (Chile: el caso del Cerro Santa Lucía. / Reflection on a historical intervention in the city of Santiago (Chile: the case of Cerro Santa Lucia.

    Directory of Open Access Journals (Sweden)

    Duarte G., Patricio

    2003-01-01

    Full Text Available Reflexión sobre la visión crítica del proyecto arquitectónico desde la óptica de su repercusión en el ámbito urbano- arquitectónico; se medita acerca de la dimensión transformadora en que incurre, la mayor parte de las veces, la intervención arquitectónica en la ciudad, y de la responsabilidad del arquitecto en la construcción de una continuidad histórico-urbana y su compromiso con el pasado. La preexistencia en cuanto condicionante —u omisión mejor dicho— del proyecto arquitectónico, ha marcado -negativamente- nuestra tradición urbano-arquitectónica./ This article reflects upon projects in architecture from a critical point of view and the urban and architectural repercussions of such projects as well. Also the way in which such architecture projects transform the city is reflected upon, and how the architect should take on the responsibility of building a historical and urban continuity and also be committed to a common past. All that precedes an architecture project conditions that project, but often it is omitted, this has marked our urban and architectural tradition negatively.

  11. La granitula de la Santa du Niolu

    Directory of Open Access Journals (Sweden)

    Davia Benedetti

    2012-01-01

    Full Text Available Abstract – IT   Quale modalità sociale fonda la pratica di una danza rituale pre-cristiana, la granitula, in occasione della festa annuale della Santa nel Niolo, in Corsica? Questa danza vi perdura nel quadro di un pellegrinaggio istituito sulla base di un racconto leggendario, in commemorazione della natività della Vergine. Essa è associata a una cerimonia religiosa e a una fiera. Consiste in una marcia a spirale a doppio senso, scandita da canti e condotta dai membri delle confraternite. La granitula ha rilievo nel campo etno-scenologico con la trasposizione corporea di immagini del labirinto, dell'origine e del sé. Simboleggia il corpo sociale corso e il suo senso d'appartenenza regionale e paesana. Coloro che la eseguono entrano in coesione con la comunità corsa. Fanno corpo con essa per proiettare nel vivere comune della società la loro assicurazione di uscita da ogni labirinto grazie a una prassi solidare, al rinserrare dei legami comunitari e a un adattamento identitario ai cambiamenti. Abstract – FR Quelle sociabilité fonde la pratique d’une danse rituelle antechrétienne, la granitula, lors de la fête annuelle de la Santa dans le Niolu, en Corse? Cette danse y perdure dans le cadre d’un pèlerinage établi sur un récit légendaire, en commémoration de la nativité de la Vierge. Elle est associée à une cérémonie religieuse catholique et à une foire. Elle consiste en une marche spiralée à double sens, scandée par des chants et exécutée par les membres des confréries. La granitula relève du champ de l’ethnoscénologie avec une mise en corps des figures du labyrinthe, de l’origine et du même. Elle symbolise le corps social corse et ses sentiments d’appartenance régionale et villageoise. Ses exécutants entrent en cohésion avec la communauté corse. Ils font corps avec elle pour projeter dans le vivre ensemble sociétal leur assurance de la sortie de tout labyrinthe par une pratique des solidarit

  12. The 2 MW Santa Clara Project

    Science.gov (United States)

    Eichenberger, Paul H.

    The City of Santa Clara, CA, USA, has hosted the world's first field demonstration of a molten carbonate fuel cell power plant. This US$46 million, 2 MW generator was a joint effort of five US utilities, the federal government, and two US research organizations. The demonstration used sixteen 125 kW stacks placed in four modules. The balance of plant (BOP) is the equipment that prepares and supplies the fuel to the stacks and converts the d.c. current to a.c. BOP construction started in April 1994, and was completed in June 1995. The BOP configuration allowed testing and development before installation of the four modules. The final full-temperature test was completed in February 1996. The four fuel cell modules were installed and cured, and power delivery began in April 1996. The plant operated for approximately 720 h at design output before electrical anomalies occurred and the plant was shut down for repairs. The plant restarted in August, but it soon became obvious that other problems had been caused by the electrical anomalies. The plant shut down and was reconfigured to a 1 MW plant. The restarted plant was ramped to 1 MW, but additional problems began to occur and the plant demonstration ended. The plant produced 2500 MWh, and operated at 1000°F, or higher, for over 5290 h. The plant set operational records, and demonstrated multistack, automatic control, and stable-field operation. Power quality met all standards with no measurable NOx or SOx output. The plant isolated itself from the grid during two major California, USA grid outages. The plant also experienced a shutdown of the automatic control system, and placed itself on hot standby using the mechanical field systems. The plant then restarted without incident.

  13. Determinents of profitability – a comparative analysis of islamic banks and conventional banks in ASEAN countries

    OpenAIRE

    Wahidudin, AHMAD Nazri; Subramaniam, ULAGANATHAN; Pg. Kamaluddin, PENGIRAN. Abd Mutalib

    2012-01-01

    The profit and loss sharing system allows bank to share risk with client in Islamic banks. Moreover Islamic banks are required to operate as per Islamic Rules and principles. Unlike Islamic banks, conventional banks operate based on interest. The income of conventional banks is the difference between interest paid to depositors and interest paid by borrowers. This is the common banking system around the world. This study will analyze determinants of profitability in Islamic banks will be co...

  14. Information Technology Role in Reducing E-Banking Services Risk in Jordanian Banking Sector

    OpenAIRE

    Ahmad Y. Areiqat; Aymen M. Abu-Errub; Badi S. AL-Rawashdeh; Mohammad Dbbaghieh

    2012-01-01

    Problem statement: This study aims to highlight the role of information technology in reducing risk of electronic banking services in the Jordanian banking sector. The study was conducted on three banks as a sample representative of the Jordanian banking sector. Approach: Data collection was through conducting personal interviews with the operations managers in the three banks (HBTF, JC Bank and Audi Bank). Results: The results showed that Jordanian banks showed highest attention toward risk ...

  15. Liquidity Risk on Banking Industry: Comparative Study Between Islamic Bank and Conventional Bank in Indonesia

    Directory of Open Access Journals (Sweden)

    Harjum Muharam

    2015-11-01

    Full Text Available Conventional and Islamic banks approximately are similar in risk summary. Therefore it needs further observations to control their liquidity risk. This study investigates the influence of CAR, profitability rasios, NIM, liquidity gaps, and RLA belongs to liquidity risk on banking industry. The statistical analysis concluded that there are negative and significant influence of CAR and ROE to liquidity risk on conventional banks, while ROA and RLA have positive and significant effect. In Islamic banks, a positive and significant impact of NIM and ROE to dependent variable, whereas liquidity gaps and RLA have significat effect.DOI: 10.15408/aiq.v5i2.2118

  16. Santa Elena. Ready to reshape its transport energy matrix

    Energy Technology Data Exchange (ETDEWEB)

    Moreano, Hernan [Universidad Estatal Peninsula de Santa Elena (Ecuador). Inst. de Investigacion Cientifica y Desarrollo Tecnologico (INCYT)

    2012-07-01

    The renewable energy issue opens the door to an ambient of opportunities. Santa Elena, one of the coastal provinces of Ecuador has the chance to go from a fossil fuel energy culture to a new energy scheme based on the use of environmental friendly fuels like natural gas and other renewable energy carriers like hydrogen. The marginal production of oil and natural gas from the Gustavo Galindo Velasco field and the updated gas reserves from the Gulf of Guayaquil make it possible. Infrastructure for natural gas production and distribution for vehicles is almost ready and any of the three refineries can generate hydrogen from natural gas. This provides the opportunity to reshape the Santa Elena transport energy matrix, where vehicles can burn natural gas and inter country buses can work with hydrogen. Traditional Fishing boats can be fitted with hydrogen storage and fuel systems later on. Santa Elena should face this challenge through a joint effort of public and private parties. Santa Elena State University and its partners as a focus point to create: The Campus of Energy Knowledge, where research, science and technology will serve companies that work in the energy business with a strong synergy, which will create jobs for the Santa Elena people. (orig.)

  17. Santa Fe Alliance for Science: The First Eight Years

    Science.gov (United States)

    Eisenstein, Robert A.

    2013-04-01

    The Santa Fe Alliance for Science (SFAFS) was founded in May, 2005. SFAFS exists to provide assistance in K-14 math and science education in the greater Santa Fe area. It does this via extensive programs (1) in math and science tutoring at Santa Fe High School, Santa Fe Community College and to a lesser degree at other schools, (2) science fair advising and judging, (3) its ``Santa Fe Science Cafe for Young Thinkers'' series, (4) a program of professional enrichment for K-12 math and science teachers, and (5) a fledging math intervention program in middle school math. Well over 150 STEM professionals, working mostly as volunteers, have contributed since our beginning. Participation by students, parents and teachers has increased dramatically over the years, leading to much more positive views of math and science, especially among elementary school students and teachers. Support from the community and from local school districts has been very strong. I will present a brief status report on SFAFS activities, discuss some of the lessons learned along the way and describe briefly some ideas for the future. More information can be found at the SFAFS website, www.sfafs.org.

  18. Causal Relationship between Liquidity and Profitability of Nigerian Deposit Money Banks

    OpenAIRE

    Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi

    2015-01-01

    The aim of this paper is to examine the existence and direction of causality between liquidity and profitability of deposit money banks in Nigeria. Fifteen quoted banks out of the existing nineteen banks were selected for the study. They are; Guarantee Trust bank, Zenith bank, Skye bank, Wema bank, Sterling bank, First City Monument bank, United Bank for Africa, Eco bank, First bank, Access bank, Diamond bank, Unity bank, Fidelity bank, Union bank and IBTC bank. Pairwise Granga Causality test...

  19. Elements of banking intermediation in the Algerian Banking system and the means to activate it

    Directory of Open Access Journals (Sweden)

    Habbar Abderezak, Dr.

    2014-06-01

    Banking intermediation raises several interrelated issues for banks, the central bank and the Treasury. It is linked to the gross domestic product, money supply and bank liquidity, etc. These elements will be examined in this article to learn the elements of bank intermediation in the Algerian banking system and ways of strengthening it.

  20. 5 CFR 630.1003 - Establishing leave banks and leave bank boards.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Establishing leave banks and leave bank... REGULATIONS ABSENCE AND LEAVE Voluntary Leave Bank Program § 630.1003 Establishing leave banks and leave bank boards. (a) Each agency that participates in the voluntary leave bank program shall, in accordance...

  1. 12 CFR 615.5144 - Banks for cooperatives and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Banks for cooperatives and agricultural credit banks. 615.5144 Section 615.5144 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Investment Management §...

  2. SRTM Perspective View with Landsat Overlay: Santa Paula, and Santa Clara River Valley, California

    Science.gov (United States)

    2000-01-01

    Rectangular fields of the agriculturally rich Santa Clara River Valley are visible in this perspective view generated using data from the Shuttle Radar Topography Mission and an enhanced Landsat image. The Santa Clara River, which lends its name to this valley, flows from headwaters near Acton, California, 160 km (100 miles) to the Pacific Ocean, and is one of only two natural river systems remaining in southern California. In the foreground of this image, the largely dry riverbed can be seen as a bright feature as it winds its way along the base of South Mountain. The bright region at the right end of this portion of the valley is the city of Santa Paula, California. Founded in 1902, this small, picturesque town at the geographic center of Ventura County is referred to as the 'Citrus Capital of the World.' The city is surrounded by orange, lemon, and avocado groves and is a major distribution point for citrus fruits in the United States. The bright, linear feature in the center of the valley is State Highway 126, the valley's 'main drag.' For visualization purposes, topographic heights displayed in this image are exaggerated two times. Colors, from Landsat data, approximate natural color.The elevation data used in this image was acquired by SRTM aboard the Space Shuttle Endeavour, launched on February 11, 2000. SRTM used the same radar instrument that comprised the Spaceborne Imaging Radar-C/X-Band Synthetic Aperture Radar (SIR-C/X-SAR) that flew twice on Endeavour in 1994. SRTM was designed to collect three-dimensional measurements of Earth's land surface. To collect the 3-D SRTM data, engineers added a mast 60 meters (about 200 feet)long, installed additional C-band and X-band antennas, and improved tracking and navigation devices. The mission is a cooperative project between the NASA, the National Imagery and Mapping Agency (NIMA) of the U.S. Department of Defense, and the German and Italian space agencies. It is managed by NASA's Jet Propulsion Laboratory

  3. Bank performance and corporate culture

    NARCIS (Netherlands)

    Stentella Lopes, F.S.

    2015-01-01

    This thesis has three chapters and focuses on the performance of banks and on corporate culture. The first two chapters focus on bank performance and economic expectations. Specifically, the first chapter sheds light on the consistency between investors’ reaction to merger announcement and bankers’

  4. Causes of banking crises revisited

    NARCIS (Netherlands)

    Klomp, J.G.

    2010-01-01

    We examine to what extent there exists heterogeneity in the causes of a banking crisis. For this purpose, we use a random coefficient logit model including 110 countries between 1970 and 2007. We conclude that there exists significant heterogeneity in the causes of a banking crisis. We find that a h

  5. Liquidity regulation and bank behavior

    NARCIS (Netherlands)

    Bonner, C.

    2014-01-01

    In response to the 2007-08 financial crisis, the Basel Committee on Banking Supervision proposed two liquidity standards to reinforce banks’ resilience to liquidity risks. The purpose of this thesis is to analyze the impact of liquidity regulation on bank behavior. The first of four main chapters

  6. Liquidity regulation and bank behavior

    NARCIS (Netherlands)

    Bonner, C.

    2014-01-01

    In response to the 2007-08 financial crisis, the Basel Committee on Banking Supervision proposed two liquidity standards to reinforce banks’ resilience to liquidity risks. The purpose of this thesis is to analyze the impact of liquidity regulation on bank behavior. The first of four main chapters an

  7. The American Indian Development Bank?

    Science.gov (United States)

    Pottinger, Richard

    1992-01-01

    In 1990, the Indian Finance Corporation Act died in committee for lack of Indian support. A model for an American Indian Development Bank is proposed, based on the International Finance Corporation of the World Bank. Two case studies illustrate how this model can meet Indian economic development needs. (SV)

  8. Communication Skills for Banking Curriculum.

    Science.gov (United States)

    Fairfax County Public Schools, Falls Church, VA. Office of Adult and Community Education.

    The communications skills course was developed for bank employees who are non-native speakers of English, to assist them in improving their English and knowledge of the American workplace culture and to increase productivity. It consists of three instructional levels. Topics covered in level 1 reflect concerns of bank managers about basic…

  9. Determinants of Iranian bank profitability

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-04-01

    Full Text Available Banks are the most important tool for preparing and supplying money in each country. In recent years, by institution of the new private banks and privatization of the governmental banks, banking competition has become very complex. This paper performs an empirical investigation to study the effects of different factors on return on assets and return on equities on 18 selected Iranian firms over the period 2002-2011. Using different regression models, the study studies the effects of total assets, debt ratio, etc. on return of assets (ROA and return on equities (ROE on selected eighteen Iranian banks as statistical community. The study considers total assets, ownership ratio, deposits to assets ratio, and loans to assets ratio as independent variables, and ROE and ROA as dependent variables. The results indicate that the private banks returns were better than governmental banks and the commercial banks’ returns were better than special banks. There is a reverse relationship between logarithm of total assets and ownership ratio with profitability based on return of assets.

  10. Size, productivity, and international banking

    NARCIS (Netherlands)

    Buch, Claudia M.; Koch, Catherine T.; Koetter, Michael

    2011-01-01

    Heterogeneity in size and productivity is central to models that explain which manufacturing firms expert. This study presents descriptive evidence on similar heterogeneity among international banks as financial services providers. A novel and detailed bank-level data set reveals the volume and mode

  11. BioMagResBank.

    NARCIS (Netherlands)

    Ulrich, E.L.; Akutsu, H.; Doreleijers, J.; Harano, Y.; Ioannidis, Y.E.; Lin, J.; Livny, M.; Mading, S.; Maziuk, D.; Miller, Z.; Nakatani, E.; Schulte, C.F.; Tolmie, D.E.; Wenger, R Kent; Yao, H.; Markley, J.L.

    2008-01-01

    The BioMagResBank (BMRB: www.bmrb.wisc.edu) is a repository for experimental and derived data gathered from nuclear magnetic resonance (NMR) spectroscopic studies of biological molecules. BMRB is a partner in the Worldwide Protein Data Bank (wwPDB). The BMRB archive consists of four main data deposi

  12. Croatian bank investments in securities

    Directory of Open Access Journals (Sweden)

    Antun Jurman

    2005-12-01

    Full Text Available In this paper the author presents the basic characteristics of debt securities and shares and analyses the amount, structure and characteristics of the securities portfolio in Croatian banks in period from 1993 to 2004. The analysis shows that in the entire analyzed period Republic of Croatia together with state funds and other public institutions was the main issuer of securities that banks have in their portfolios. The securities issued by banks and companies represent only a marginal part of banks’ portfolios but it is also true that banks have strongly supported the privatization process of state owned companies by providing credit for purchasing of shares and later on swapping their credit claims for shares. In this way banks acquired a significant portfolio of shares that they later sold on the open market. Data about the significant reduction of securities portfolio in the banking assets structure, from 46.1% in 1993 to only 10.6% in 2004, is indicative of a low level of trading in securities. This means that in the following years, central and local government should secure the necessary funds more by issuing securities than by credit, especially not by taking credit from abroad. Furthermore, in order to spread business with securities, banks should also substitute a portion of their credit portfolio with short and long term securities. In this way, the investors would be able to use the benefits of investing in securities instead of investing their funds in bank deposits as they have done until now.

  13. MODELS OF BANKING RISKS MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Bente Corneliu Cristian

    2009-05-01

    Full Text Available Banking risks management as a fundamental element of banking management aims at diminishing as much as possible the negative impact of risk factors, at minimizing losses by expenditures cut-off and maximizing direct and transferred influxes, changing the

  14. Bank capital management : International evidence

    NARCIS (Netherlands)

    De Jonghe, O.G.; Öztekin, Ö.

    2015-01-01

    We examine the dynamic behavior of bank capital using a global sample of 64 countries during the 1994-2010 period. Banks achieve deleveraging through active capital management (equity growth) rather than asset liquidation. In contrast, they achieve leveraging through passive capital management (redu

  15. BioMagResBank.

    NARCIS (Netherlands)

    Ulrich, E.L.; Akutsu, H.; Doreleijers, J.; Harano, Y.; Ioannidis, Y.E.; Lin, J.; Livny, M.; Mading, S.; Maziuk, D.; Miller, Z.; Nakatani, E.; Schulte, C.F.; Tolmie, D.E.; Wenger, R Kent; Yao, H.; Markley, J.L.

    2008-01-01

    The BioMagResBank (BMRB: www.bmrb.wisc.edu) is a repository for experimental and derived data gathered from nuclear magnetic resonance (NMR) spectroscopic studies of biological molecules. BMRB is a partner in the Worldwide Protein Data Bank (wwPDB). The BMRB archive consists of four main data

  16. Central bank independence and ageing

    OpenAIRE

    Farvaque, Etienne; Héricourt, Jérôme; Lagadec, Gaël

    2008-01-01

    We contrast the influence of demography and central bank independence on inflation. The recent demographic trends in developed countries are shown to weight more on inflation than central bank independence, while the contrary stands for the period from 1960 to 1979.

  17. QUALITY MANAGEMENT IN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Micuda Ion Dan

    2009-05-01

    Full Text Available Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition improvement. Banks being aware of the quality problems also lead to the appearance and requirement of

  18. Asian Banks: Leading the Way to Recovery

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

    @@ The global financial crisis has rocked the American and European Union banking system leaving many Western banks teetering on the verge of bankruptcy.But in the East,Asian banks have fared well so far.

  19. Indian Banking Industry: Challenges and Opportunities

    National Research Council Canada - National Science Library

    Dr. Krishna A. Goyal; Vijay Joshi

    2012-01-01

    The banking industry in India has a huge canvas of history, which covers the traditional banking practices from the time of Britishers to the reforms period, nationalization to privatization of banks...

  20. CHALLENGES FACED BY INDIAN BANKING INDUSTRY

    National Research Council Canada - National Science Library

    Mohit Bindlish; Pooja

    2013-01-01

      The banking industry in India has a huge canvas of history, which covers the traditional banking practices from the time of Britishers to the reforms period, nationalization to privatization of banks...

  1. Security Testing Handbook for Banking Applications

    CERN Document Server

    Doraiswamy, Arvind; Kapoor, Nilesh

    2009-01-01

    Security Testing Handbook for Banking Applications is a specialised guide to testing a wide range of banking applications. The book is intended as a companion to security professionals, software developers and QA professionals who work with banking applications.

  2. Innovative Secure Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Mousa T AL-Akhras

    2011-01-01

    Full Text Available Due to the widespread use of computer technologies in almost all aspects of life, organisations that are connected to the Internet started extending their services to their customers to include new applications and services that satisfy their customers’ desires to make better businesses. One of these emerging applications is mobile banking. The term mobile banking (or m-banking describes the banking services that the user can perform via a mobile device ubiquitously at anytime and from anywhere. In order for users to access their accounts, they need a mobile device and network connectivity. Therefore, sitting in front of a computer is not a requirement anymore; accessing accounts can occur while users are waiting their turn at the dentist clinic or relaxing at the beach! This paper explores the opportunities of using mobile technology in the electronic banking (e-banking sector to enhance existing banking services by moving toward m-banking using mobile devices and wireless media that can provide opportunities for ubiquitous access to the banking services as mobile technologies can be used at anytime and from anywhere. The technical problems encountered while using the mobile devices presents some technical difficulties and challenges for the m-banking. In this paper we introduce a mobile system that demonstrates the flexibility gained out of this technology and covers the major aspects of such kind of applications. The proposed system covers two parts: the customer services (user interface and the security aspects. In the user interface part, banking facility is provided to the user through the mobile device to implement banking transactions. The model provides customers with the services: billing payments, transferring of funds, viewing of customer’s accounts and transactions, allowing the user to change his/her password and request a cheque book. The application takes into consideration security aspects, it satisfies the following

  3. Capital Requirements and Banks' Leniency

    DEFF Research Database (Denmark)

    Dietrich, J. Kimball; Wihlborg, Clas

    2003-01-01

    We investigate the effect of changes in capital regulation on the strictness(leniency) of loan terms using a simple model of bank capital requirements andasset quality examinations. Banks offer different levels of `leniency' in the senseof willingness to offer automatic extensions of loans...... in the presence of temporarypayment difficulties of borrowers. Banks offering lenient (less strict) loan termsmust have higher initial levels of capital and charge higher loan rates. Whencapital requirements are increased, both strict and lenient banks hold higher levelsof initial capital and they raise loan...... rates. As capital requirements increase thedifference between initial capital levels and between interest rates of strict andlenient banks decrease. Thus, higher capital requirements in recessions tend toreduce the interest rate premium paid for leniency. If a recession is interpreted asan increase...

  4. Banking Software Applications Security

    Directory of Open Access Journals (Sweden)

    Ioan Alexandru Bubu

    2015-03-01

    Full Text Available Computer software products are among the most complex artifacts, if not the most complex artifacts mankind has created. Securing those artifacts against intelligent attackers who try to exploit flaws in software design and construct is a great challenge too.The purpose of this paper is to introduce a secure alternative to banking software applications that are currently in use. This new application aims to cover most of the well-known vulnerabilities that plague the majority of current software.First we will take a quick look at current security methods that are in use, and a few known vulnerabilities. After this, we will discuss the security measures implemented in my application, and finally, we will the results of implementing them.

  5. 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...... of taxpayer assistance. A holding company structure in which the public parent holds unsecured term debt sufficient to cover losses at an operating financial subsidiary would facilitate a “Single Point of Entry” resolution procedure that would minimize knock-on effects from the failure of a systemically...... important financial institution. Resolution through such a structure would minimize run risk from short term creditors and minimize destructive ring-fencing by national regulators. Although structural reform in the EU could be achieved by supervisory implementation of the “living wills” requirement...

  6. 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...... of taxpayer assistance. A holding company structure in which the public parent holds unsecured term debt sufficient to cover losses at an operating financial subsidiary would facilitate a “Single Point of Entry” resolution procedure that would minimize knock-on effects from the failure of a systemically...... important financial institution. Resolution through such a structure would minimize run risk from short term creditors and minimize destructive ring-fencing by national regulators. Although structural reform in the EU could be achieved by supervisory implementation of the “living wills” requirement...

  7. Impact of shadow banks on financial contagion

    OpenAIRE

    Yoshiharu Maeno; Kenji Nishiguchi; Satoshi Morinaga; Hirokazu Matsushima

    2014-01-01

    An asset network systemic risk (ANWSER) model is presented to investigate the impact of how shadow banks are intermingled in a financial system on the severity of financial contagion. Particularly, the focus of this study is the impact of the following three representative topologies of an interbank loan network between shadow banks and regulated banks. (1) Random mixing network: shadow banks and regulated banks are intermingled randomly. (2) Asset-correlated mixing network: banks having bigg...

  8. CHARACTERISTICS OF ONLINE BANKING PRODUCTS AND SERVICES

    OpenAIRE

    BUCUR Luiza Emanuela

    2015-01-01

    Online banking is the newest and least understood delivery channel for retail banking services. This article show how customers perceive Online Banking Services. Focuses on the issues associated with internet banking service quality. For customer service quality, focus is on access, credibility, communication, understanding the costumer and collaboration. For online banking services focus is on: ease of use, accuracy, timelines, aesthetics and security. For banking service product quality foc...

  9. Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry

    Directory of Open Access Journals (Sweden)

    El Mehdi Ferrouhi

    2014-12-01

    Full Text Available This paper aims to analyze the relationship between liquidity risk and financial performance of Moroccan banks and to define the determinants of bank’s performance in Morocco during the period 2001–2012. We first evaluate Moroccan banks’ liquidity positions through different liquidity and performance ratios then we apply a panel date regression to identify determinants of Moroccan banks performance. We use 4 bank’s performance ratios, 6 liquidity ratios and we analyze 5 specific determinants and 5 macroeconomic determinants of bank performance. Results show that Moroccan bank’s performance is mainly determined by 7 determinants: liquidity ratio, size of banks, logarithm of the total assets squared, external funding to total liabilities, share of own bank’s capital of the bank’s total assets, foreign direct investments, unemployment rate and the realization of the financial crisis variable. Banks’ performance depends positively on size of banks, on foreign direct investments and on the realization of the financial crisis and negatively on external funding to total liabilities, on share of own bank’s capital of the bank’s total assets and on unemployment rate while the dependence between bank performance and liquidity ratios and bank performance and logarithm of the total assets squared depend on the model used.

  10. Seafloor character from air-photo data-Santa Barbara Channel

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — Seafloor character was derived from interpretations of aerial photograph-derived kelp-distribution data available for Santa Cruz Island in the Santa Barbara Channel,...

  11. Salmonella y Shigella a partir de muestras fecales en la poblacion Santa Rosa, Maracaibo-Venezuela

    National Research Council Canada - National Science Library

    Sandrea-Toledo, Lisette; Avila-Roo, Yeiny; Paz-Montes, America; Corpas-Guerrero, Carmen; Petit-Capriles, Kalina; Ocando-Vilchez, Newlsa

    2007-01-01

    ... con escasas condiciones socio-sanitarias como la poblacion indigena de Santa Rosa. El proposito de esta investigacion fue detectar la presencia de Salmonella y Shigella a partir de muestras fecales en la poblacion de Santa Rosa...

  12. 76 FR 39443 - National Environmental Policy Act; Santa Susana Field Laboratory

    Science.gov (United States)

    2011-07-06

    ... From the Federal Register Online via the Government Publishing Office NATIONAL AERONAUTICS AND SPACE ADMINISTRATION National Environmental Policy Act; Santa Susana Field Laboratory AGENCY: National... administered portion of the Santa Susana Field Laboratory (SSFL), Ventura County, California. SUMMARY:...

  13. The Santa Barbara Channel - Santa Maria Basin Study: Wind Measurements and Modeling Resolving Coastal Mesoscale Meteorology

    Science.gov (United States)

    Dorman, C. E.; Koracin, D.

    2002-12-01

    The importance of winds in driving the coastal ocean has long been recognized. Pre-World War II literature links wind stress and wind stress curl to coastal ocean responses. Nevertheless, direct measurements plausibly representative of a coastal area are few. Multiple observations on the scale of the simplest mesoscale atmospheric structure, such as the cross-coast variation along a linear coast, are even less frequent. The only wind measurements that we are aware of in a complicated coastal area backed by higher topography are in the MMS sponsored, Santa Barbara Channel/Santa Marina basin study. Taking place from 1994 to present, this study had an unheard of dense surface automated meteorological station array of up to 5 meteorological buoys, 4 oil platforms, 2 island stations, and 11 coastal stations within 1 km of the beach. Most of the land stations are maintained by other projects. Only a large, a well funded project with backed by an agency with the long-view could dedicate the resources and effort into filling the mesoscale "holes" and maintaining long-term, remotely located stations. The result of the MMS funded project is a sufficiently dense surface station array to resolve the along-coast and cross-coast atmospheric mesoscale wind structure. Great temporal and spatial variation is found in the wind, wind stress and the wind stress curl, during the extended summer season. The MM5 atmospheric mesoscale model with appropriate boundary layer physics and high-resolution horizontal and vertical grid structure successfully simulates the measured wind field from large scale down to the lower end of the mesoscale. Atmospheric models without appropriate resolution and boundary layer physics fail to capture significant mesoscale wind features. Satellite microwave wind measurements generally capture the offshore synoptic scale temporal and spatial scale in twice-a-day snap shots but fail in the crucial, innermost coastal waters and the diurnal scale.

  14. Biocalcarenites as construction materials in Santa Marina de Aguas Santas Church at Cordoba, Spain

    Directory of Open Access Journals (Sweden)

    Meroño, J. E.

    2009-03-01

    Full Text Available This study consisted in characterizing the materials used to build Santa Marina de Aguas Santas Church at Cordoba and locating the original quarries. The techniques used in the lithological and chemical characterization included XRD, petrographic microscopy and electron dispersive scanning microscopy. The chemical index of weathering (CIW was used to quantify the state of stone decay. The lithology and different types of alterations observed were mapped. A comparison of the material on the building to ancient quarries identified “Naranjo” as the possible site where the stone was originally quarried.Para la caracterización litológica y determinación del grado de alteración de los materiales pétreos se han empleado las siguientes técnicas: difracción de rayos X (método del polvo, microscopía petrográfica (sobre lámina delgada y microscopía de barrido con EDS (energía dispersiva de rayos X, para determinar la composición química. El estado de degradación del material pétreo se ha cuantificado a partir del índice químico de alteración (CIW. Se han realizado cartografías sobre la fachada oeste: a de las litologías presentes y b de los diferentes tipos de alteración observados. La comparación de muestras del edificio con las de antiguas canteras ha permitido identificar la del Naranjo como la posible cantera de origen.

  15. Local smoke-free policy development in Santa Fe, Argentina.

    Science.gov (United States)

    Sebrié, Ernesto M; Glantz, Stanton A

    2010-04-01

    To describe the process of approval and implementation of a comprehensive smoke-free law in the province of Santa Fe, Argentina, between 2005 and 2009. Review of the Santa Fe smoke-free legislation, articles published in local newspapers and documentation on two lawsuits filed against the law, and interviews with key individuals in Santa Fe. Efforts to implement smoke-free policies in Santa Fe began during the 1990s without success, and resumed in 2005 when the provincial Legislature approved the first 100% smoke-free subnational law in Argentina. There was no strong opposition during the discussions within the legislature. As in other parts of the world, pro-tobacco industry interests attempted to block the implementation of the law using well known strategies. These efforts included a controversy media campaign set up, the creation of a hospitality industry association and a virtual smokers' rights group, the introduction of a counterproposal seeking modification of the law, the challenge of the law in the Supreme Court, and the proposal of a weak national bill that would 'conflict' with the subnational law. Tobacco control advocates sought media attention as a strategy to protect the law. Santa Fe is the first subnational jurisdiction in Latin America to have enacted a comprehensive smoke-free policy following the recommendations of the World Health Organization (WHO) Framework Convention on Tobacco Control. After 3 years of implementation, pro-tobacco industry forces failed to undermine the law. Other subnational jurisdictions in Argentina, as well as in Mexico and Brazil are following the Santa Fe example.

  16. An investigation on factors influencing electronic banking adoption in private banks versus public banks

    Directory of Open Access Journals (Sweden)

    Ali Alikhani

    2014-01-01

    Full Text Available The movement of industrial societies towards implementation of information technology has begun and it has gained moment since early 90th and presently the speed of this movement is well obvious in less developed countries, including Iran. Internet Banking is one of the most tangible trends in today’s electronic commerce. It has direct relationship with the perception of the service qualities not only because of unique absorption of the internet, but also because of e-commerce, acceptance of internet services of banks by clients and the tendency for using such services. This paper investigates different factors influencing on acceptance of electronic banking in private banks versus public banks in a case study of two Iranian banks namely; Eqtesade Novin and Sepah using Technology Acceptance Model (TAM. Correlation test reveals that there was a positive and significant relationship between clients of private and public bank on five factors associated with TAM. In addition, structural equation method was used for investigation of relationships in offered model. In conclusion, all primary and secondary hypotheses for clients of private and public bank were confirmed.

  17. La Santa Muerte y la cultura de los derechos humanos

    Directory of Open Access Journals (Sweden)

    Pilar Castells Ballarín

    2008-06-01

    Full Text Available Este artículo tiene su origen en la siguiente pregunta: ¿qué valores se construyen en el culto a La Santa Muerte y cómo afectan el contexto socio-simbólico de los derechos humanos? Reflexiono el culto a La Santa Muerte como un fenómeno social con dos pautas: 1. Una original expresión estratégica para enfrentar la precariedad y muerte social (como efectos indeseados del neoliberalismo; 2. Una expresión que confirma la cultura del miedo como instrumento de control social.

  18. La Santa Muerte y la cultura de los derechos humanos

    OpenAIRE

    Pilar Castells Ballarín

    2008-01-01

    Este artículo tiene su origen en la siguiente pregunta: ¿qué valores se construyen en el culto a La Santa Muerte y cómo afectan el contexto socio-simbólico de los derechos humanos? Reflexiono el culto a La Santa Muerte como un fenómeno social con dos pautas: 1. Una original expresión estratégica para enfrentar la precariedad y muerte social (como efectos indeseados del neoliberalismo); 2. Una expresión que confirma la cultura del miedo como instrumento de control social.

  19. Current trends of banking innovations

    Directory of Open Access Journals (Sweden)

    A.M. Karminskiy

    2013-06-01

    Full Text Available The current stage of the global banking system development takes place in an increasingly competitive environment and unstable financial markets. One of the key factors of bank's successful development is a policy of continuous innovative behavior. Nowadays innovation is a key factor of bankingnstability, competitiveness and sustainable growth.The aim of the article. The main goal of this article is to examine key trends of banking innovations and innovative in Russia. Experience in the development of new banking products, services and technologies in the Russian market is mainly based on international practice. Noteworthy is the fact that Russian banks take over not only the successful practice of new product lines, but also information technology as well as key methodological aspects of bank management and the technological aspects related the business processes.The results of the analysis. Innovative policy in the credit institution must not take place spontaneously. The positive effect of innovation can be achieved only if there is the possibility of managing the innovation process, which is not possible without a clearly highlighted definition and characteristics of banking innovation, which at least would allow distinguishing of innovation and modification. The paper describes the main aspects of the morphology of banking innovation with the detailed classification depended on the variety of attributes from its origin to the direction of action and highlights the major trends of current banking innovation, such as:development of information and cyber technology (and hence the possibility of the emergence of computational complexity and risk prediction models, the development of information security tools,etc.;implementation of customer-oriented model as the best practice;optimization of its own business processes.The article shows a number of real examples of each kind of banking innovation including the innovations in the non

  20. Field-trip guide to the southeastern foothills of the Santa Cruz Mountains in Santa Clara County, California

    Science.gov (United States)

    Stoffer, Philip W.; Messina, Paula

    2002-01-01

    This field trip is an introduction to the geology of the southeastern foothills of the Santa Cruz Mountains in southern Santa Clara County. Seven stops include four short hikes to access rock exposures and views of the foothills east of Loma Prieta Peak between Gilroy and San José. Field-trip destinations highlight the dominant rock types of the "Franciscan assemblage" including outcrops of serpentinite, basalt, limestone, ribbon chert, graywacke sandstone, and shale. General discussions include how the rocks formed, and how tectonism and stream erosion have changed the landscape through time. All field trip stops are on public land; most are near reservoir dams of the Santa Clara Valley Water District. In addition, stops include examination of an Ohlone Indian heritage site and the New Almaden Mining Museum.

  1. Las ermitas de Portera y Santa Olalla

    Directory of Open Access Journals (Sweden)

    Enrique CERRILLO MARTIN DE CÁCERES

    2009-12-01

    Full Text Available RESUMEN: A partir del estudio de los restos de dos construcciones culturaes aún en pie (Portera y Santa Olalla en la provincia de Cáceres, se intenta llegar a un aislamiento de los santuarios, centros de culto cuya morfología tanto interna como externa es rectangular en oposición a ábside. Con estos datos y los obtenidos de otros similares se trata de buscar los orígenes de tal tipología como resultado de una solución tectónica de cubierta debida en gran parte a un influjo externo. La tipología resultante quedará definida por un cambio cualitativo en los materiales empleados, un cambio en el sistema de construcción y un cambio, en definitva, en la estructura de cubierta que será abovedada. La aplicación exclusiva al centro de culto de estos cambios indicará una diferenciación jerárquica respecto a la nave. Una de las consecuencias que ocasionará el cambio será una considerable reducción del espacio interno, que a su vez afectará posiblemente al mobiliario litúrgico. Por los datos cronológicos que proporcionan los hallazgos conocidos hasta ahora, debieron ser los alrededores de Mérida la zona geográfica que constituyó el centro de estos cambios a fines del s. VI. Las construcciones de la Meseta quedarían encuadradas en una fase que se denomina plena, correspondiente a la segunda mitad del s. VII, mientras que la etapa que une ambos hitos cronológicos sería la fase de transición, en la que coexistirían soluciones constructivas derivadas del sistema romano, junto con el afianzamiento de los nuevos cambios, lo que supondría un período de ensayo.RÉSUMÉ: A partir de l'étude des restes de deux constructions cultuelles encore debout (Portera et Santa Olalla dans la province de Cáceres, on cherche à isoler les sanctuaires, centres de culte, dont la morphologie tant intérieure qu'extérieure est rectangulaire en opposition à \\'abside. Avec ces données et celles tirées d'autres découvertes, il s'agit de chercher

  2. Ocorrência de cochonilhas em espinheira-santa (Maytenus ilicifolia Mart. ex Reissek Occurrence of mealybugs in "espinheira-santa" (Maytenus ilicifolia Mart. ex Reissek

    Directory of Open Access Journals (Sweden)

    J.M. Vitória

    2013-01-01

    Full Text Available Maytenus ilicifolia é uma espécie medicinal nativa do Brasil que vem sendo cultivada para atender a crescente demanda do mercado. Os fatores que interferem na produção, tal como a incidência de pragas e doenças, devem ser estudados para garantir o incremento na produtividade. O objetivo deste trabalho foi registrar a ocorrência e a identificação de cochonilhas associadas a 15 acessos de espinheira-santa (Maytenus ilicifolia do Banco Ativo de Germoplasma da Embrapa Clima Temperado e do Instituto Federal Sul-rio-grandense. Foi registrada a quantidade de plantas infestadas em cada acesso e identificado, em laboratório, as espécies de cochonilhas infestantes. O número de plantas infestadas variou entre os acessos. Foram identificadas as cochonilhas Ceroplastes sp. e Saissetia oleae, família Coccidae. Dos 10 acessos infestados, 23 (11,3% plantas apresentaram infestação com Ceroplastes sp. e, apenas uma (0,5%, com Saissetia oleae. O acesso 133 mostrou a maior incidência de Ceroplastes sp. (33,3%, seguido do acesso 130 (25,0%. O acesso 123 foi o que apresentou menor quantidade de plantas infestadas (4,8%. Saissetia oleae ocorreu em apenas uma planta, pertencente ao acesso 136 (5,6%.Maytenus ilicifolia is a medicinal species native to Brazil which has been cultivated to meet the growing market demand. Factors that interfere with the production, such as the incidence of pests and diseases, should be studied to ensure increased productivity. The aim of this study was to record the occurrence and the identification of mealybugs associated with 15 "espinheira-santa" (Maytenus ilicifolia accessions from the Active Germplasm Bank of "Embrapa Clima Temperado" and "Instituto Federal Sul-rio-grandense". The quantity of infested plants in each accession was recorded and the species of infested mealybugs were identified in the laboratory. The number of infested plants varied among accessions. The identified mealybugs were Ceroplastes sp. and

  3. Banking Activity for Sustainable Development

    Directory of Open Access Journals (Sweden)

    Ion Stancu

    2006-08-01

    Full Text Available he corporations gain a power of influence, unthinkable years ago; they have acquired more and more rights and, in some way, govern the life of billions of peoples and of the earth in general. With every right, comes though the responsibility of the conservation and development of the environment in which the corporations act. The banking system has a major role to play in the evolution of the international framework, given its position on the economic stage. Some important banking groups realized this fact and made important steps in the area. The case study of the Holland banking group ABN AMRO proves the complexity of the introduction of sustainable development in the core of the financial business. The implementation is neither easy nor cheap. It implies essential changes in the bank management, in the way to determine the financial policies, in how to choose the clients, the employees, the suppliers etc. Led in an efficient way, sustainable banking implies innovation, creativity and, implicitly, new gains, through creating new products and opening new markets. The international banking community proved, through leading examples (ABN AMRO Bank, HSBC Group, Rabobank Group, JP Morgan Chase, Citigroup etc. that it understands the importance, the necessity and also the viability of the sustainable development.

  4. 78 FR 66756 - Santa Clara Pueblo; Amendment No. 1 to Notice of a Major Disaster Declaration

    Science.gov (United States)

    2013-11-06

    ... SECURITY Federal Emergency Management Agency Santa Clara Pueblo; Amendment No. 1 to Notice of a Major... amends the notice of a major disaster declaration for the Santa Clara Pueblo (FEMA-4147-DR), dated... disaster declaration for the Santa Clara Pueblo is hereby amended to include Public Assistance...

  5. 78 FR 64233 - Santa Clara Pueblo; Major Disaster and Related Determinations

    Science.gov (United States)

    2013-10-28

    ... SECURITY Federal Emergency Management Agency Santa Clara Pueblo; Major Disaster and Related Determinations... Presidential declaration of a major disaster for the Santa Clara Pueblo (FEMA-4147-DR), dated September 27... Santa Clara Pueblo resulting from severe storms and flooding during the period of July 19-21, 2013,...

  6. 76 FR 9640 - Prevailing Rate Systems: Santa Clara, CA, Tulsa County, OK, and Angelina County, TX

    Science.gov (United States)

    2011-02-22

    ..., ``Santa Clara,'' which was abolished as a NAF FWS wage area by a final rule (74 FR 9951) published on... MANAGEMENT 5 CFR Part 532 RIN 3206-AM22 Prevailing Rate Systems: Santa Clara, CA, Tulsa County, OK, and... of California by removing the entry for ``Santa Clara.'' 0 3. Appendix D to subpart B is amended...

  7. 78 FR 67382 - Santa Clara Pueblo; Major Disaster and Related Determinations

    Science.gov (United States)

    2013-11-12

    ... SECURITY Federal Emergency Management Agency Santa Clara Pueblo; Major Disaster and Related Determinations... Presidential declaration of a major disaster for the Santa Clara Pueblo (FEMA-4151-DR), dated October 24, 2013... Act''), as follows: I have determined that the damage to the lands associated with the Santa...

  8. Comparison of Islamic Banks with Conventional Banks: Evidence from an Emerging Market

    Directory of Open Access Journals (Sweden)

    Ameenullah Aman

    2016-03-01

    Full Text Available This paper evaluates and compares the performance of Sharia-compliant banks with their conventional counterparts operating in Pakistan. Data of five full-fledged Islamic Banks(IBs and fifteen Conventional Banks (CBs, all from Pakistan, have been used for the study. Study period comprises of six years from year 2008 to year 2013. Bank's orientation, efficiency, quality of assets and stability are the measures used to compare the performance of Shariah-compliant and conventional banks. The Islamic Banks in Pakistan are younger in age and smaller in size compared to the Conventional Banks. Based on the financial ratios of two types of banks, we find that the business model of Islamic Banks is inferior to the model of Conventional Banks. Islamic Banks are less cost efficient than Conventional Banks. However, Islamic Banks have superior asset quality with better bank stability position.

  9. BANKING ETHICS: MAIN CONCEPTIONS AND PROBLEMS

    Directory of Open Access Journals (Sweden)

    VALENTINA FETINIUC

    2014-10-01

    Full Text Available Banking ethics is a specialized set of ethical standards and rules that should be followed in the activities of financial institutions and employees of the banking sector. But despite the simplicity of the definition, in the modern world, this concept becomes complex and ambiguous. The importance of studying this subject is defined by the fact that the ethical behavior of the bank and bank employees promotes banking. At present there are several conceptions of banking ethics: general ethics, regulated ethics and ethical bank. The most common practice is to regulate internal and external relations of banks and bank workers with ethical codes. At the same time, studies show the existence of problems in the banking standards of ethics, which negatively affects the financial institution. This article is intended to reflect main tendencies and problems of banking ethics at international level and experience of Republic of Moldova in this field.

  10. 12 CFR 583.4 - Bank holding company.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Bank holding company. 583.4 Section 583.4 Banks... AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.4 Bank holding company. The term bank holding company means any company which has control over any bank or over any company that is or becomes a bank...

  11. 12 CFR 619.9145 - Farm Credit Bank.

    Science.gov (United States)

    2010-01-01

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

  12. 12 CFR 619.9020 - Agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit banks. 619.9020 Section 619.9020 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9020 Agricultural credit banks. Agricultural credit banks are those banks created by the merger of a Farm...

  13. 12 CFR 619.9060 - Bank for cooperatives.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Bank for cooperatives. 619.9060 Section 619.9060 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9060 Bank for cooperatives. A bank for cooperatives is a bank that is operating under section 3.0 of the Act....

  14. 12 CFR 940.2 - Mission of the Banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Mission of the Banks. 940.2 Section 940.2 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK MISSION CORE MISSION ACTIVITIES § 940.2 Mission of the Banks. The mission of the Banks is to provide to their members' and...

  15. 12 CFR 615.5030 - Borrowings from commercial banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowings from commercial banks. 615.5030 Section 615.5030 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... commercial banks. (a) Each System bank board, by resolution, shall authorize all commercial bank...

  16. 12 CFR 1261.12 - Reporting requirements for Bank directors.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Reporting requirements for Bank directors. 1261.12 Section 1261.12 Banks and Banking FEDERAL HOUSING FINANCE AGENCY FEDERAL HOME LOAN BANKS FEDERAL HOME LOAN BANK DIRECTORS Federal Home Loan Bank Boards of Directors: Eligibility and Elections §...

  17. 12 CFR 1261.14 - Vacant Bank directorships.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Vacant Bank directorships. 1261.14 Section 1261.14 Banks and Banking FEDERAL HOUSING FINANCE AGENCY FEDERAL HOME LOAN BANKS FEDERAL HOME LOAN BANK DIRECTORS Federal Home Loan Bank Boards of Directors: Eligibility and Elections § 1261.14 Vacant...

  18. 12 CFR 1261.13 - Ineligible Bank directors.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Ineligible Bank directors. 1261.13 Section 1261.13 Banks and Banking FEDERAL HOUSING FINANCE AGENCY FEDERAL HOME LOAN BANKS FEDERAL HOME LOAN BANK DIRECTORS Federal Home Loan Bank Boards of Directors: Eligibility and Elections § 1261.13 Ineligible...

  19. Liquidity of Czech and Slovak commercial banks

    Directory of Open Access Journals (Sweden)

    Pavla Vodová

    2012-01-01

    Full Text Available As liquidity problems of some banks during global financial crisis re-emphasized, liquidity is very important for functioning of financial markets and the banking sector. The aim of this paper is therefore to evaluate comprehensively the liquidity positions of Czech and Slovak commercial banks via different liquidity ratios in the period of 2001–2010 and to find out whether the strategy for liquidity management differs by the size of the bank. We used unconsolidated balance sheet data over the period from 2001 to 2010 which were obtained from annual reports of Czech and Slovak banks. The sample includes significant part of Czech and Slovak banking sector (not only by the number of banks, but also by their share on total banking assets. We have calculated five different liquidity ratios for each bank in the sample. The results showed that liquidity of Czech banks has declined during last ten years. On the contrary, liquidity of Slovak banks fluctuated only slightly during the period 2001–2008. Bank liquidity has fallen due to the financial crisis in both countries; the impact is worse for Slovak banks. Both Czech and Slovak banks have become less liquid also as a result of increase in lending activity. Czech and Slovak banks have the same strategies how to insure against liquidity crises: big banks rely on the interbank market or on a liquidity assistance of the Lender of Last Resort, small and medium sized banks hold buffer of liquid assets.

  20. Related Lending and Banking Development

    OpenAIRE

    CULL, Robert; Haber, Stephen; Imai, Masami

    2011-01-01

    Does related lending have positive or negative effects on the development of banking systems? We analyze a unique cross-country data set covering 74 countries from 1990 to 2007, and find that related lending, on average, does not have any effect on the growth of credit. We do find, however, that there are conditional relationships: related lending tends to retard the growth of banking systems when rule of law is weak, whereas it tends to promote the growth of banking systems when rule of law ...

  1. The End of Bank Secrecy?

    DEFF Research Database (Denmark)

    Johannesen, Niels; Zucman, Gabriel

    2014-01-01

    During the financial crisis, G20 countries compelled tax havens to sign bilateral treaties providing for exchange of bank information. Policymakers have celebrated this global initiative as the end of bank secrecy. Exploiting a unique panel dataset, our study is the first attempt to assess how...... the treaties affected bank deposits in tax havens. Rather than repatriating funds, our results suggest that tax evaders shifted deposits to havens not covered by a treaty with their home country. The crackdown thus caused a relocation of deposits at the benefit of the least compliant havens. We discuss...

  2. Risk Management Practices in Islamic Bank: A Case Study of Islami Bank Bangladesh Limited

    OpenAIRE

    Uddin, Md Akther

    2015-01-01

    Islamic banking industry has been growing rapidly for last three decades. As risk is inherent in banking business it is necessary to develop a comprehensive risk management framework and process. In this paper, a humble attempt has been made to study and analyze risk management practices of Islami Bank Bangladesh Limited (IBBL), one of the leading Islamic banks in Bangaladesh. Annual reports of IBBL and 7 other full-fledged Islamic banks, Bangladesh Bank, the central bank of Bangladesh, publi...

  3. THE COMPREHENSIVE ANALYSIS OF THE TURKISH ISLAMIC BANKING SYSTEM AND THE HUNGARIAN BANKING SYSTEM

    OpenAIRE

    Talos, Livia

    2016-01-01

    After the 2008 economic crisis, special attention was given to alternative financing techniques, and so to Islamic banks. During the crisis the stability of the Islamic banks was higher than the stability of the conventional banks.The major source of revenue of the conventional banks is interest and other income from speculative transactions, so a conventional bank can shows higher results than an Islamic bank. Islamic banks operate on religious principles, so many activities are forbidden to...

  4. 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..., Illinois 60690-1414: 1. Horizon Bancorp Employee Stock Ownership Plan, Michigan City, Indiana; to acquire...

  5. 75 FR 49493 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-08-13

    ... 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..., individually and collectively as co-trustees of the Bastrop Bancshares, Inc. Employee Stock Ownership Plan...

  6. 78 FR 41063 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-09

    ... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... retain control of National Banking Corp., North Little Rock, Arkansas, and thereby indirectly...

  7. 75 FR 36089 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-24

    ... Corporation and thereby indirectly retain voting shares of Classic Bank, N.A., both of Cameron, Texas. Board... Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are... Board of Governors. Comments must be received not later than July 9, 2010. A. Federal Reserve Bank...

  8. 78 FR 33093 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-03

    ... 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... Leland E. Boren; Leland E. Boren, IRA; Leland E. Boren as Co-Representative of the LaRita R. Boren...

  9. 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... Manna, Trustee; Mario John Manna's IRA Account; Claudia Brown Moore; Claudia Brown Moore's IRA...

  10. 76 FR 71344 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-11-17

    ... 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..., Pennsylvania. 2. W. Kirk Wycoff, Ira M. Lubert, and James J. Lynch, all of Philadelphia,...

  11. 76 FR 48862 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-08-09

    ... 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... Financial Mangers, LLC; Ira M. Lubert; W. Kirk Wycoff; and James J. Lynch, all of Philadelphia,...

  12. 75 FR 30405 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-01

    ... 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... Hunter Ness Roth IRA, all of Yankton, South Dakota; Michael Forrest Ness, Sioux Falls, South...

  13. 76 FR 40365 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-08

    ... 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....; and Ira M. Lubert, W. Kirk Wycoff, and James J. Lynch, all of Philadelphia, Pennsylvania, to...

  14. Santa Ana River Design Memorandum Number 1. Phase 2 GDM on the Santa Ana River Mainstem Including Santiago Creek. Volume 3. Lower Santa Ana River. Appendixes

    Science.gov (United States)

    1988-08-01

    NAWL REDDISH1 . MIST, SI 36 FINE 103’MM5 GWAtH SHE, IEFUSA. A 216.5FIF p TO1 17 41 99 31 SI).TI SAIT AMISH WICHN3. MIST, FEW 10 MIMIM WMED 5315D...Beach, Costa Mesa, and Newport Beach. Over 1,000,000 people reside or work within this area. Projected populations for the Lower Santa Ana River market

  15. Submarine Landslides at Santa Catalina Island, California

    Science.gov (United States)

    Legg, M. R.; Francis, R. D.

    2011-12-01

    Santa Catalina Island is an active tectonic block of volcanic and metamorphic rocks originally exposed during middle Miocene transtension along the evolving Pacific-North America transform plate boundary. Post-Miocene transpression created the existing large pop-up structure along the major strike-slip restraining bend of the Catalina fault that forms the southwest flank of the uplift. Prominent submerged marine terraces apparent in high-resolution bathymetric maps interrupt the steep submarine slopes in the upper ~400 meters subsea depths. Steep subaerial slopes of the island are covered by Quaternary landslides, especially at the sea cliffs and in the blueschist metamorphic rocks. The submarine slopes also show numerous landslides that range in area from a few hectares to more than three sq-km (300 hectares). Three or more landslides of recent origin exist between the nearshore and first submerged terrace along the north-facing shelf of the island's West End. One of these slides occurred during September 2005 when divers observed a remarkable change in the seafloor configuration after previous dives in the area. Near a sunken yacht at about 45-ft depth where the bottom had sloped gently into deeper water, a "sinkhole" had formed that dropped steeply to 100-ft or greater depths. Some bubbling sand was observed in the shallow water areas that may be related to the landslide process. High-resolution multibeam bathymetry acquired in 2008 by CSU Monterey Bay show this "fresh" slide and at least two other slides of varying age along the West End. The slides are each roughly 2 hectares in area and their debris aprons are spread across the first terrace at about 85-m water depth that is likely associated with the Last Glacial Maximum sealevel lowstand. Larger submarine slides exist along the steep Catalina and Catalina Ridge escarpments along the southwest flank of the island platform. A prominent slide block, exceeding 3 sq-km in area, appears to have slipped more than

  16. En el Cincuentenario del Hospital Santa Clara

    Directory of Open Access Journals (Sweden)

    Gilberto Rueda Pérez

    1992-12-01

    Full Text Available

    El 16 de julio de 1942 nace el Hospital Sanatorio Antituberculoso Santa Clara en Santafé de Bogotá.
    Un siglo atrás, casi a la fecha, en 1843, nace en Alemania Roberto Koch, quien, 60 años antes de la fundación del Hospital, el 24 de marzo de 1882, presenta al mundo el descubrimiento del Micobacterium Tuberculosis, germen causante de la enfermedad que ataca alhombre desde sus más remotos orígenes y que aún nos acompaña, especialmente en los países subdesarrollados, causando severo impacto en la salud de las poblaciones más necesitadas, apesar de los grandes avances alcanzados en el campo de la Medicina a nivel mundial.
    Por haber sido destinado el Hospital altratamiento de los tuberculosos, destino que aún conserva primordialmente aunque, como se verá posteriormente, sus camas reciben enfermos de medicina general dada la evolución de los tratamientos y la modernización de los esquemas terapéuticos, se justifica ampliamente mencionar aquí los principales avances relacionados con el control de la Tuberculosis a través de los tiempos hasta la fundación del Hospital.

    Estos se pueden resumir así:

    • 'HIPOCRATES (460-377 a. C.:describe la consunción y la llama tisis; lanza el concepto de herencia que perdura por siglos.
    • ARISTOTELES(324-284a. C.:habla del contagio a través de la respiración.
    • CELSO (siglo I a. C.: describe el tubérculo y señala tres formas de consunción: atrofia, caquexia y tisis.
    • GALENO(181-261 d. C.: la agrupa con otras enfermedades transmisibles: la peste, la sarna, etc.
    • EDADMEDIA(sigloVII alXIIId. C.:se destaca únicamente como aporte nuevo Maimonides, filósofo judío radicado en Granada (11351204,quien describe la tisis de los animales.

    Posteriormente Girolamo Fracastoro (1478-1553, nacido en Verona,la asimila a la viruela y lanza la teoría microbiana.

    • PARACELSO(1493-1541pregona que: los

    • 12 CFR 225.14 - Expedited action for certain bank acquisitions by well-run bank holding companies.

      Science.gov (United States)

      2010-01-01

      ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Expedited action for certain bank acquisitions by well-run bank holding companies. 225.14 Section 225.14 Banks and Banking FEDERAL RESERVE SYSTEM... certain bank acquisitions by well-run bank holding companies. (a) Filing of notice—(1)...

    • 12 CFR 225.115 - Applicability of Bank Service Corporation Act in certain bank holding company situations.

      Science.gov (United States)

      2010-01-01

      ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Applicability of Bank Service Corporation Act in certain bank holding company situations. 225.115 Section 225.115 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)...

    • THE EPISTEMOLOGICAL PERSPECTIVE OF FRACTIONAL RESERVE BANKING AND FULL RESERVE BANKING: WHERE ISLAMIC BANKING SHOULD STAND?

      Directory of Open Access Journals (Sweden)

      Yaser Taufik Syamlan

      2017-06-01

      Full Text Available Objectives – this research is aimed to compare those epistemological bases to the mindset of Islamic Bank and try to drive the philosophy in practical operation whether based on the Fractional Reserve Banking Sytem (RBS or 100% RBS and analyze the challenges in deploying the 100%RBS. Methods - This research will be conducted based on an extensive literature review.Results - Based on the epistemological analysis of money and the business cycle as well as the views of Islamic scholars, 100%RBS should be the best for Islamic Bank. There are four types of 100% RBS namely Pure Commodity Money, Sovereign Money, Narrow Banking, and Limited Purpose Banking. To deploy it into the economic system, another philosophical work should be done to choose one of the types and strengthen it so that the theory of 100%RBS can be implemented for the goodness of Islamic Bank.  Conclusion - In Conclusions, Based on the epistemology defined by Islamic Scholars, FractRBS has more mafsadah if we compare to the maslahah. Therefore, 100% RBS should be better for the Islamic Bank.

    • Bathymetry Hillshade--Offshore of Santa Barbara, California

      Data.gov (United States)

      U.S. Geological Survey, Department of the Interior — This part of SIM 3281 presents data for the bathymetry and shaded-relief maps (see sheets 1, 2, SIM 3281) of the Offshore of Santa Barbara map area, California. The...