WorldWideScience

Sample records for sounder keywords credit

  1. Keywords

    Science.gov (United States)

    Doecke, Brenton; Howie, Mark; Sawyer, Wayne

    2007-01-01

    Borrowing the title of Raymond Williams' famous study, the following reflections--sometimes collective and sometimes individual--are based on a series of "Keywords", specifically: "fear", "community" and "creativity". By reflecting on the meanings these words have for us today, we attempt to capture their dialogical character, posing them as sites…

  2. Keyword: Placement

    Science.gov (United States)

    Cassuto, Leonard

    2012-01-01

    The practical goal of graduate education is placement of graduates. But what does "placement" mean? Academics use the word without thinking much about it. "Placement" is a great keyword for the graduate-school enterprise. For one thing, its meaning certainly gives a purpose to graduate education. Furthermore, the word is a portal into the way of…

  3. Keyword Search in Databases

    CERN Document Server

    Yu, Jeffrey Xu; Chang, Lijun

    2009-01-01

    It has become highly desirable to provide users with flexible ways to query/search information over databases as simple as keyword search like Google search. This book surveys the recent developments on keyword search over databases, and focuses on finding structural information among objects in a database using a set of keywords. Such structural information to be returned can be either trees or subgraphs representing how the objects, that contain the required keywords, are interconnected in a relational database or in an XML database. The structural keyword search is completely different from

  4. Cultural Keywords in Discourse

    DEFF Research Database (Denmark)

    contributes to a global turn in cultural keyword studies by exploring keywords from discourse communities in Australia, Brazil, Hong Kong, Japan, Melanesia, Mexico and Scandinavia. Providing new case studies, the volume showcases the diversity of ways in which cultural logics form and shape discourse...

  5. The Keck keyword layer

    Science.gov (United States)

    Conrad, A. R.; Lupton, W. F.

    1992-01-01

    Each Keck instrument presents a consistent software view to the user interface programmer. The view consists of a small library of functions, which are identical for all instruments, and a large set of keywords, that vary from instrument to instrument. All knowledge of the underlying task structure is hidden from the application programmer by the keyword layer. Image capture software uses the same function library to collect data for the image header. Because the image capture software and the instrument control software are built on top of the same keyword layer, a given observation can be 'replayed' by extracting keyword-value pairs from the image header and passing them back to the control system. The keyword layer features non-blocking as well as blocking I/O. A non-blocking keyword write operation (such as setting a filter position) specifies a callback to be invoked when the operation is complete. A non-blocking keyword read operation specifies a callback to be invoked whenever the keyword changes state. The keyword-callback style meshes well with the widget-callback style commonly used in X window programs. The first keyword library was built for the two Keck optical instruments. More recently, keyword libraries have been developed for the infrared instruments and for telescope control. Although the underlying mechanisms used for inter-process communication by each of these systems vary widely (Lick MUSIC, Sun RPC, and direct socket I/O, respectively), a basic user interface has been written that can be used with any of these systems. Since the keyword libraries are bound to user interface programs dynamically at run time, only a single set of user interface executables is needed. For example, the same program, 'xshow', can be used to display continuously the telescope's position, the time left in an instrument's exposure, or both values simultaneously. Less generic tools that operate on specific keywords, for example an X display that controls optical

  6. Spatial Keyword Query Processing

    DEFF Research Database (Denmark)

    Chen, Lisi; Jensen, Christian S.; Wu, Dingming

    2013-01-01

    Geo-textual indices play an important role in spatial keyword query- ing. The existing geo-textual indices have not been compared sys- tematically under the same experimental framework. This makes it difficult to determine which indexing technique best supports specific functionality. We provide...... an all-around survey of 12 state- of-the-art geo-textual indices. We propose a benchmark that en- ables the comparison of the spatial keyword query performance. We also report on the findings obtained when applying the bench- mark to the indices, thus uncovering new insights that may guide index...

  7. Spatial Keyword Querying

    DEFF Research Database (Denmark)

    Cao, Xin; Chen, Lisi; Cong, Gao

    2012-01-01

    The web is increasingly being used by mobile users. In addition, it is increasingly becoming possible to accurately geo-position mobile users and web content. This development gives prominence to spatial web data management. Specifically, a spatial keyword query takes a user location and user-sup...... different kinds of functionality as well as the ideas underlying their definition....

  8. Collective spatial keyword querying

    DEFF Research Database (Denmark)

    Cao, Xin; Cong, Gao; Jensen, Christian S.

    2011-01-01

    With the proliferation of geo-positioning and geo-tagging, spatial web objects that possess both a geographical location and a textual description are gaining in prevalence, and spatial keyword queries that exploit both location and textual description are gaining in prominence. However, the quer......With the proliferation of geo-positioning and geo-tagging, spatial web objects that possess both a geographical location and a textual description are gaining in prevalence, and spatial keyword queries that exploit both location and textual description are gaining in prominence. However......, the queries studied so far generally focus on finding individual objects that each satisfy a query rather than finding groups of objects where the objects in a group collectively satisfy a query. We define the problem of retrieving a group of spatial web objects such that the group's keywords cover the query......'s keywords and such that objects are nearest to the query location and have the lowest inter-object distances. Specifically, we study two variants of this problem, both of which are NP-complete. We devise exact solutions as well as approximate solutions with provable approximation bounds to the problems. We...

  9. Video segmentation using keywords

    Science.gov (United States)

    Ton-That, Vinh; Vong, Chi-Tai; Nguyen-Dao, Xuan-Truong; Tran, Minh-Triet

    2018-04-01

    At DAVIS-2016 Challenge, many state-of-art video segmentation methods achieve potential results, but they still much depend on annotated frames to distinguish between background and foreground. It takes a lot of time and efforts to create these frames exactly. In this paper, we introduce a method to segment objects from video based on keywords given by user. First, we use a real-time object detection system - YOLOv2 to identify regions containing objects that have labels match with the given keywords in the first frame. Then, for each region identified from the previous step, we use Pyramid Scene Parsing Network to assign each pixel as foreground or background. These frames can be used as input frames for Object Flow algorithm to perform segmentation on entire video. We conduct experiments on a subset of DAVIS-2016 dataset in half the size of its original size, which shows that our method can handle many popular classes in PASCAL VOC 2012 dataset with acceptable accuracy, about 75.03%. We suggest widely testing by combining other methods to improve this result in the future.

  10. Hybrid keyword search auctions

    KAUST Repository

    Goel, Ashish; Munagala, Kamesh

    2009-01-01

    Search auctions have become a dominant source of revenue generation on the Internet. Such auctions have typically used per-click bidding and pricing. We propose the use of hybrid auctions where an advertiser can make a per-impression as well as a per-click bid, and the auctioneer then chooses one of the two as the pricing mechanism. We assume that the advertiser and the auctioneer both have separate beliefs (called priors) on the click-probability of an advertisement. We first prove that the hybrid auction is truthful, assuming that the advertisers are risk-neutral. We then show that this auction is superior to the existing per-click auction in multiple ways: 1. We show that risk-seeking advertisers will choose only a per-impression bid whereas risk-averse advertisers will choose only a per-click bid, and argue that both kind of advertisers arise naturally. Hence, the ability to bid in a hybrid fashion is important to account for the risk characteristics of the advertisers. 2. For obscure keywords, the auctioneer is unlikely to have a very sharp prior on the click-probabilities. In such situations, we show that having the extra information from the advertisers in the form of a per-impression bid can result in significantly higher revenue. 3. An advertiser who believes that its click-probability is much higher than the auctioneer's estimate can use per-impression bids to correct the auctioneer's prior without incurring any extra cost. 4. The hybrid auction can allow the advertiser and auctioneer to implement complex dynamic programming strategies to deal with the uncertainty in the click-probability using the same basic auction. The per-click and per-impression bidding schemes can only be used to implement two extreme cases of these strategies. As Internet commerce matures, we need more sophisticated pricing models to exploit all the information held by each of the participants. We believe that hybrid auctions could be an important step in this direction. The hybrid

  11. Hybrid keyword search auctions

    KAUST Repository

    Goel, Ashish

    2009-01-01

    Search auctions have become a dominant source of revenue generation on the Internet. Such auctions have typically used per-click bidding and pricing. We propose the use of hybrid auctions where an advertiser can make a per-impression as well as a per-click bid, and the auctioneer then chooses one of the two as the pricing mechanism. We assume that the advertiser and the auctioneer both have separate beliefs (called priors) on the click-probability of an advertisement. We first prove that the hybrid auction is truthful, assuming that the advertisers are risk-neutral. We then show that this auction is superior to the existing per-click auction in multiple ways: 1. We show that risk-seeking advertisers will choose only a per-impression bid whereas risk-averse advertisers will choose only a per-click bid, and argue that both kind of advertisers arise naturally. Hence, the ability to bid in a hybrid fashion is important to account for the risk characteristics of the advertisers. 2. For obscure keywords, the auctioneer is unlikely to have a very sharp prior on the click-probabilities. In such situations, we show that having the extra information from the advertisers in the form of a per-impression bid can result in significantly higher revenue. 3. An advertiser who believes that its click-probability is much higher than the auctioneer\\'s estimate can use per-impression bids to correct the auctioneer\\'s prior without incurring any extra cost. 4. The hybrid auction can allow the advertiser and auctioneer to implement complex dynamic programming strategies to deal with the uncertainty in the click-probability using the same basic auction. The per-click and per-impression bidding schemes can only be used to implement two extreme cases of these strategies. As Internet commerce matures, we need more sophisticated pricing models to exploit all the information held by each of the participants. We believe that hybrid auctions could be an important step in this direction. The

  12. Standardization of Keyword Search Mode

    Science.gov (United States)

    Su, Di

    2010-01-01

    In spite of its popularity, keyword search mode has not been standardized. Though information professionals are quick to adapt to various presentations of keyword search mode, novice end-users may find keyword search confusing. This article compares keyword search mode in some major reference databases and calls for standardization. (Contains 3…

  13. Keywords

    African Journals Online (AJOL)

    Femi

    taken account of the balance of expected gains and ... maintenance of quality and the duration of life”. ... a health facility is a determinant of patient's choice of provider and willingness to pay for the services. .... Also to be noted is the work of.

  14. Keywords:

    African Journals Online (AJOL)

    Femi

    knew that children with diabetes should eat family diet. Concerning risk ... eating too much sugar is a risk factor. ... Nigeria. Journal of Community Medicine and Primary Health Care. ..... with regard to some myths and fallacies related to. DM.

  15. Keywords

    African Journals Online (AJOL)

    Femi

    worldwide tobacco-attributable deaths projected. 3 to reach 6.4 million in 2015 and 8.3 million in 2030. Tobacco use increases the risk of ..... Mathers CD, Loncar D. Projections of global mortality and burden of disease from 2002 to 2030.

  16. Keywords

    African Journals Online (AJOL)

    Femi

    serious ramifications because of its implications on their sexual and reproductive health as well ... cross-sectional study among antenatal attendees selected using systematic sampling technique. ... of human rights violations, denying people.

  17. Keywords

    African Journals Online (AJOL)

    Femi

    based on multi-tier, inter-related system with first. 1 ... provision of critical equipment, consumables, human resources and dedicated governance structure are aimed at improving health coverage ..... ever: World Health Organization; 2008. 9.

  18. Keywords

    African Journals Online (AJOL)

    Femi

    However one of the reasons for poor uptake of health services at primary health care facilities ... Teaching Hospital's Department of Community Health started attending to patients as the ..... Industrial and. Management Systems Engineering –.

  19. Keywords

    African Journals Online (AJOL)

    Femi

    Only about half of surveyed men were found to use ... Influencing men's attitude towards the uptake of ... survey of 259 men aged 15-65 years with at least one child less than 3 years of age was conducted ... been fully explored in Nigeria.

  20. Premier's imaging IR limb sounder

    Science.gov (United States)

    Kraft, Stefan; Bézy, Jean-Loup; Meynart, Roland; Langen, Jörg; Carnicero Dominguez, Bernardo; Bensi, Paolo; Silvestrin, Pierluigi

    2017-11-01

    The Imaging IR Limb Sounder (IRLS) is one of the two instruments planned on board of the candidate Earth Explorer Core Mission PREMIER. PREMIER stands for PRocess Exploration through Measurements of Infrared and Millimetre-wave Emitted Radiation. PREMIER went recently through the process of a feasibility study (Phase A) within the Earth Observation Envelope Program. Emerging from recent advanced instrument technologies IRLS shall, next to a millimetre-wave limb sounder (called STEAMR), explore the benefits of three-dimensional limb sounding with embedded cloud imaging capability. Such 3D imaging technology is expected to open a new era of limb sounding that will allow detailed studies of the link between atmospheric composition and climate, since it will map simultaneously fields of temperature and many trace gases in the mid/upper troposphere and stratosphere across a large vertical and horizontal field of view and with high vertical and horizontal resolution. PREMIER shall fly in a tandem formation looking backwards to METOP's swath and thereby improve meteorological and environmental analyses.

  1. Keywords in musical free improvisation

    DEFF Research Database (Denmark)

    Bergstrøm-Nielsen, Carl

    2016-01-01

    This article presents some keywords and concepts concerning free improvised music and its recent developments drawing from ongoing bibliographical research. A radical pluralism stems from musicians' backgrounds and the mixtures and fusions of styles and idioms resulting from these mixtures....... Seemingly very different "performance-driven" and "play-driven" attitudes exist, even among musicians who share the practice of performing at concerts. New models of musical analysis aiming specifically at free improvised music provide strategical observations of interaction and structure....

  2. Keyword extraction by nonextensivity measure.

    Science.gov (United States)

    Mehri, Ali; Darooneh, Amir H

    2011-05-01

    The presence of a long-range correlation in the spatial distribution of a relevant word type, in spite of random occurrences of an irrelevant word type, is an important feature of human-written texts. We classify the correlation between the occurrences of words by nonextensive statistical mechanics for the word-ranking process. In particular, we look at the nonextensivity parameter as an alternative metric to measure the spatial correlation in the text, from which the words may be ranked in terms of this measure. Finally, we compare different methods for keyword extraction. © 2011 American Physical Society

  3. Mesoscale Phenomenon Revealed by an Acoustic Sounder

    DEFF Research Database (Denmark)

    Lundtang Petersen, Erik; Jensen, Niels Otto

    1976-01-01

    A particular phenomenon observed on an acoustic sounder record is analyzed, and is interpreted as being associated with the passing of a land breeze front. A simple physical explanation of the frontal movements is suggested. The actual existence of the land breeze is demonstrated by examination...

  4. CREDIT SYSTEM AND CREDIT GUARANTEE PROGRAMS

    OpenAIRE

    Turgay GECER

    2012-01-01

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

  5. ESIP Documentation Cluster Session: GCMD Keyword Update

    Science.gov (United States)

    Stevens, Tyler

    2018-01-01

    The Global Change Master Directory (GCMD) Keywords are a hierarchical set of controlled Earth Science vocabularies that help ensure Earth science data and services are described in a consistent and comprehensive manner and allow for the precise searching of collection-level metadata and subsequent retrieval of data and services. Initiated over twenty years ago, the GCMD Keywords are periodically analyzed for relevancy and will continue to be refined and expanded in response to user needs. This talk explores the current status of the GCMD keywords, the value and usage that the keywords bring to different tools/agencies as it relates to data discovery, and how the keywords relate to SWEET (Semantic Web for Earth and Environmental Terminology) Ontologies.

  6. SPARK: Adapting Keyword Query to Semantic Search

    Science.gov (United States)

    Zhou, Qi; Wang, Chong; Xiong, Miao; Wang, Haofen; Yu, Yong

    Semantic search promises to provide more accurate result than present-day keyword search. However, progress with semantic search has been delayed due to the complexity of its query languages. In this paper, we explore a novel approach of adapting keywords to querying the semantic web: the approach automatically translates keyword queries into formal logic queries so that end users can use familiar keywords to perform semantic search. A prototype system named 'SPARK' has been implemented in light of this approach. Given a keyword query, SPARK outputs a ranked list of SPARQL queries as the translation result. The translation in SPARK consists of three major steps: term mapping, query graph construction and query ranking. Specifically, a probabilistic query ranking model is proposed to select the most likely SPARQL query. In the experiment, SPARK achieved an encouraging translation result.

  7. Limitations of the mnemonic-keyword method.

    Science.gov (United States)

    Campos, Alfredo; González, María Angeles; Amor, Angeles

    2003-10-01

    The effectiveness of the mnemonic-keyword method was investigated in 4 experiments in which participants were required to learn the 1st-language (L1, Spanish) equivalents of a list of 30 2nd-language words (L2, Latin). Experiments 1 (adolescents) and 2 (adults) were designed to assess whether the keyword method was more effective than the rote method; the researcher supplied the keyword, and the participants were allowed to pace themselves through the list. Experiments 3 (adolescents) and 4 (adults) were similar to Experiments 1 and 2 except that the participants were also supplied with a drawing that illustrated the relationship between the keyword and the L1 target word. All the experiments were performed with groups of participants in their classrooms (i.e., not in a laboratory context). In all experiments, the rote method was significantly more effective than was the keyword method.

  8. Credit scoring methods

    Czech Academy of Sciences Publication Activity Database

    Vojtek, Martin; Kočenda, Evžen

    2006-01-01

    Roč. 56, 3-4 (2006), s. 152-167 ISSN 0015-1920 R&D Projects: GA ČR GA402/05/0931 Institutional research plan: CEZ:AV0Z70850503 Keywords : banking sector * credit scoring * discrimination analysis Subject RIV: AH - Economics Impact factor: 0.190, year: 2006 http://journal.fsv.cuni.cz/storage/1050_s_152_167.pdf

  9. Keyword analysis of community planning documents

    Data.gov (United States)

    U.S. Environmental Protection Agency — This file contains total hits per keyword expressed as percentage of total hits for the eight domains of the human well-being index. Additional categorical data is...

  10. A keyword history of Marketing Science

    OpenAIRE

    Mela, Carl; Roos, Jason; Deng, Yanhui

    2013-01-01

    textabstractThis paper considers the history of keywords used in Marketing Science to develop insights on the evolution of marketing science. Several findings emerge. First, "pricing" and "game theory" are the most ubiquitous words. More generally, the three C's and four P's predominate, suggesting that keywords and common practical frameworks align. Various trends exist. Some words, like "pricing," remain popular over time. Others, like "game theory" and "hierarchical Bayes," have become mor...

  11. The Keyword Bank as a tool for finding exclusive keywords in WordSmith Tools

    Directory of Open Access Journals (Sweden)

    Tony Berber Sardinha

    2008-12-01

    Full Text Available KeyWords is a very useful program for computer text analysis found in WordSmith Tools. A problem with KeyWords, though, is the large number of keywords returned by the program, which can be at least 500. This paper proposes a procedure for making reductions in lists of keywords based on the concept of exclusive keywords. These are words that are key in the study corpus only, in comparison to lots of others. This procedure draws on the existence of a keyword bank, which is a collection of keywords from several corpora. When contrasted to a study corpus, the keyword bank brings up keywords that are found in the study corpus only, leaving out those that are key in other corpora. This enables the researcher to focus on words that are most typical of his/her own corpus. The analysis reported here, carried out with a large multi-register keyword bank, suggests that the keyword bank achieved its goal, by allowing for a 77% reduction in the total keywords, and by selecting keywords that are most representative of the study corpus in question.

  12. Measuring tropospheric wind with microwave sounders

    Science.gov (United States)

    Lambrigtsen, B.; Su, H.; Turk, J.; Hristova-Veleva, S. M.; Dang, V. T.

    2017-12-01

    In its 2007 "Decadal Survey" of earth science missions for NASA the U.S. National Research Council recommended that a Doppler wind lidar be developed for a three-dimensional tropospheric winds mission ("3D-Winds"). The technology required for such a mission has not yet been developed, and it is expected that the next Decadal Survey, planned to be released by the end of 2017, will put additional emphasis on the still pressing need for wind measurements from space. The first Decadal Survey also called for a geostationary microwave sounder (GMS) on a Precipitation and All-weather Temperature and Humidity (PATH) mission, which could be used to measure wind from space. Such a sounder, the Geostationary Synthetic Thinned Aperture Radiometer (GeoSTAR), has been developed at the Jet Propulsion Laboratory (JPL). The PATH mission has not yet been funded by NASA, but a low-cost subset of PATH, GeoStorm has been proposed as a hosted payload on a commercial communications satellite. Both PATH and GeoStorm would obtain frequent (every 15 minutes of better) measurements of tropospheric water vapor profiles, and they can be used to derive atmospheric motion vector (AMV) wind profiles, even in the presence of clouds. Measurement of wind is particularly important in the tropics, where the atmosphere is largely not in thermal balance and wind estimates cannot generally be derived from temperature and pressure fields. We report on simulation studies of AMV wind vectors derived from a GMS and from a cluster of low-earth-orbiting (LEO) small satellites (e.g., CubeSats). The results of two separate simulation studies are very encouraging and show that a ±2 m/s wind speed precision is attainable, which would satisfy WMO requirements. A GMS observing system in particular, which can be implemented now, would enable significant progress in the study of atmospheric dynamics. Copyright 2017 California Institute of Technology. Government sponsorship acknowledged

  13. Patent Keyword Extraction for Sustainable Technology Management

    Directory of Open Access Journals (Sweden)

    Jongchan Kim

    2018-04-01

    Full Text Available Recently, sustainable growth and development has become an important issue for governments and corporations. However, maintaining sustainable development is very difficult. These difficulties can be attributed to sociocultural and political backgrounds that change over time [1]. Because of these changes, the technologies for sustainability also change, so governments and companies attempt to predict and manage technology using patent analyses, but it is very difficult to predict the rapidly changing technology markets. The best way to achieve insight into technology management in this rapidly changing market is to build a technology management direction and strategy that is flexible and adaptable to the volatile market environment through continuous monitoring and analysis. Quantitative patent analysis using text mining is an effective method for sustainable technology management. There have been many studies that have used text mining and word-based patent analyses to extract keywords and remove noise words. Because the extracted keywords are considered to have a significant effect on the further analysis, researchers need to carefully check out whether they are valid or not. However, most prior studies assume that the extracted keywords are appropriate, without evaluating their validity. Therefore, the criteria used to extract keywords needs to change. Until now, these criteria have focused on how well a patent can be classified according to its technical characteristics in the collected patent data set, typically using term frequency–inverse document frequency weights that are calculated by comparing the words in patents. However, this is not suitable when analyzing a single patent. Therefore, we need keyword selection criteria and an extraction method capable of representing the technical characteristics of a single patent without comparing them with other patents. In this study, we proposed a methodology to extract valid keywords from

  14. Application of keyword extraction on MOOC resources

    Directory of Open Access Journals (Sweden)

    Zhuoxuan Jiang

    2017-03-01

    Full Text Available Purpose – Recent years have witnessed the rapid development of massive open online courses (MOOCs. With more and more courses being produced by instructors and being participated by learners all over the world, unprecedented massive educational resources are aggregated. The educational resources include videos, subtitles, lecture notes, quizzes, etc., on the teaching side, and forum contents, Wiki, log of learning behavior, log of homework, etc., on the learning side. However, the data are both unstructured and diverse. To facilitate knowledge management and mining on MOOCs, extracting keywords from the resources is important. This paper aims to adapt the state-of-the-art techniques to MOOC settings and evaluate the effectiveness on real data. In terms of practice, this paper also tries to answer the questions for the first time that to what extend can the MOOC resources support keyword extraction models, and how many human efforts are required to make the models work well. Design/methodology/approach – Based on which side generates the data, i.e instructors or learners, the data are classified to teaching resources and learning resources, respectively. The approach used on teaching resources is based on machine learning models with labels, while the approach used on learning resources is based on graph model without labels. Findings – From the teaching resources, the methods used by the authors can accurately extract keywords with only 10 per cent labeled data. The authors find a characteristic of the data that the resources of various forms, e.g. subtitles and PPTs, should be separately considered because they have the different model ability. From the learning resources, the keywords extracted from MOOC forums are not as domain-specific as those extracted from teaching resources, but they can reflect the topics which are lively discussed in forums. Then instructors can get feedback from the indication. The authors implement two

  15. Evaluation of an Automated Keywording System.

    Science.gov (United States)

    Malone, Linda C.; And Others

    1990-01-01

    Discussion of automated indexing techniques focuses on ways to statistically document improvements in the development of an automated keywording system over time. The system developed by the Joint Chiefs of Staff to automate the storage, categorization, and retrieval of information from military exercises is explained, and performance measures are…

  16. Keyword Extraction from Arabic Legal Texts

    Science.gov (United States)

    Rammal, Mahmoud; Bahsoun, Zeinab; Al Achkar Jabbour, Mona

    2015-01-01

    Purpose: The purpose of this paper is to apply local grammar (LG) to develop an indexing system which automatically extracts keywords from titles of Lebanese official journals. Design/methodology/approach: To build LG for our system, the first word that plays the determinant role in understanding the meaning of a title is analyzed and grouped as…

  17. A keyword history of Marketing Science

    NARCIS (Netherlands)

    C.F. Mela (Carl); J.M.T. Roos (Jason); Y. Deng (Yanhui)

    2013-01-01

    textabstractThis paper considers the history of keywords used in Marketing Science to develop insights on the evolution of marketing science. Several findings emerge. First, "pricing" and "game theory" are the most ubiquitous words. More generally, the three C's and four P's predominate, suggesting

  18. To Sequestrate or not to Sequestrate in View of the National Credit ...

    African Journals Online (AJOL)

    Keywords: Advantage of creditors; civil suit; compulsory sequestration; concursus creditorum; credit agreements; debt counsellor; debt enforcement; debt relief measures; debt restructuring; debt review; discretion of court; National Credit Act; NCA; reckless credit; Section 129 notice; sequestration; sequestration applications; ...

  19. Microwave Atmospheric Sounder on CubeSat

    Science.gov (United States)

    Padmanabhan, S.; Brown, S. E.; Kangaslahti, P.; Cofield, R.; Russell, D.; Stachnik, R. A.; Su, H.; Wu, L.; Tanelli, S.; Niamsuwan, N.

    2014-12-01

    To accurately predict how the distribution of extreme events may change in the future we need to understand the mechanisms that influence such events in our current climate. Our current observing system is not well-suited for observing extreme events globally due to the sparse sampling and in-homogeneity of ground-based in-situ observations and the infrequent revisit time of satellite observations. Observations of weather extremes, such as extreme precipitation events, temperature extremes, tropical and extra-tropical cyclones among others, with temporal resolution on the order of minutes and spatial resolution on the order of few kms (cost passive microwave sounding and imaging sensors on CubeSats that would work in concert with traditional flagship observational systems, such as those manifested on large environmental satellites (i.e. JPSS,WSF,GCOM-W), to monitor weather extremes. A 118/183 GHz sensor would enable observations of temperature and precipitation extremes over land and ocean as well as tropical and extra-tropical cyclones. This proposed project would enable low cost, compact radiometer instrumentation at 118 and 183 GHz that would fit in a 6U Cubesat with the objective of mass-producing this design to enable a suite of small satellites to image the key geophysical parameters needed to improve prediction of extreme weather events. We take advantage of past and current technology developments at JPL viz. HAMSR (High Altitude Microwave Scanning Radiometer), Advanced Component Technology (ACT'08) to enable low-mass, low-power high frequency airborne radiometers. In this paper, we will describe the design and implementation of the 118 GHz temperature sounder and 183 GHz humidity sounder on the 6U CubeSat. In addition, a summary of radiometer calibration and retrieval techniques of temperature and humidity will be discussed. The successful demonstration of this instrument on the 6U CubeSat would pave the way for the development of a constellation which

  20. NOAA JPSS Advanced Technology Microwave Sounder (ATMS) Remapped to Cross-track Infrared Sounder (CrIS) Sensor Data Record (SDR) from IDPS

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — The Advanced Technology Microwave Sounder (ATMS) is a 22 channel microwave sounder on board the Suomi NPP satellite that provides continuous cross-track scanning in...

  1. The importance of the keyword-generation method in keyword mnemonics.

    Science.gov (United States)

    Campos, Alfredo; Amor, Angeles; González, María Angeles

    2004-01-01

    Keyword mnemonics is under certain conditions an effective approach for learning foreign-language vocabulary. It appears to be effective for words with high image vividness but not for words with low image vividness. In this study, two experiments were performed to assess the efficacy of a new keyword-generation procedure (peer generation). In Experiment 1, a sample of 363 high-school students was randomly into four groups. The subjects were required to learn L1 equivalents of a list of 16 Latin words (8 with high image vividness, 8 with low image vividness), using a) the rote method, or the keyword method with b) keywords and images generated and supplied by the experimenter, c) keywords and images generated by themselves, or d) keywords and images previously generated by peers (i.e., subjects with similar sociodemographic characteristics). Recall was tested immediately and one week later. For high-vivideness words, recall was significantly better in the keyword groups than the rote method group. For low-vividness words, learning method had no significant effect. Experiment 2 was basically identical, except that the word lists comprised 32 words (16 high-vividness, 16 low-vividness). In this experiment, the peer-generated-keyword group showed significantly better recall of high-vividness words than the rote method groups and the subject generated keyword group; again, however, learning method had no significant effect on recall of low-vividness words.

  2. Social keywords in postcolonial melanesian discourse

    DEFF Research Database (Denmark)

    Levisen, Carsten; Priestley, Carol

    2017-01-01

    In postcolonial Melanesia, cultural discourses are increasingly organised around creole words, i.e. keywords of Bislama (Vanuatu) and Tok Pisin (Papua New Guinea). These words constitute (or represent) important emerging ethnolinguistic worldviews, which are partly borne out of the colonial era......, and partly out of postcolonial ethno-rhetoric. This chapter explores the word kastom ‘traditional culture’ in Bislama and pasin bilong tumbuna ‘the ways of the ancestors’ in Tok Pisin. Specific attention is paid to the shift from “negative “ to “positive” semantics, following from the re...

  3. Robust keyword retrieval method for OCRed text

    Science.gov (United States)

    Fujii, Yusaku; Takebe, Hiroaki; Tanaka, Hiroshi; Hotta, Yoshinobu

    2011-01-01

    Document management systems have become important because of the growing popularity of electronic filing of documents and scanning of books, magazines, manuals, etc., through a scanner or a digital camera, for storage or reading on a PC or an electronic book. Text information acquired by optical character recognition (OCR) is usually added to the electronic documents for document retrieval. Since texts generated by OCR generally include character recognition errors, robust retrieval methods have been introduced to overcome this problem. In this paper, we propose a retrieval method that is robust against both character segmentation and recognition errors. In the proposed method, the insertion of noise characters and dropping of characters in the keyword retrieval enables robustness against character segmentation errors, and character substitution in the keyword of the recognition candidate for each character in OCR or any other character enables robustness against character recognition errors. The recall rate of the proposed method was 15% higher than that of the conventional method. However, the precision rate was 64% lower.

  4. Automatic keywording of High Energy Physics

    CERN Document Server

    Dallman, David Peter

    1999-01-01

    Bibliographic databases were developed from the traditional library card catalogue in order to enable users to access library documents via various types of bibliographic information, such as title, author, series or conference date. In addition these catalogues sometimes contained some form of indexation by subject, such as the Universal (or Dewey) Decimal Classification used for books. With the introduction of the eprint archives, set up by the High Energy Physics (HEP) Community in the early 90s, huge collections of documents in several fields have been made available on the World Wide Web. These developments however have not yet been followed up from a keywording point of view. We will see in this paper how important it is to attribute keywords to all documents in the area of HEP Grey Literature. As libraries are facing a future with less and less manpower available and more and more documents, we will explore the possibility of being helped by automatic classification software. We will specifically menti...

  5. Rapid automatic keyword extraction for information retrieval and analysis

    Science.gov (United States)

    Rose, Stuart J [Richland, WA; Cowley,; E, Wendy [Richland, WA; Crow, Vernon L [Richland, WA; Cramer, Nicholas O [Richland, WA

    2012-03-06

    Methods and systems for rapid automatic keyword extraction for information retrieval and analysis. Embodiments can include parsing words in an individual document by delimiters, stop words, or both in order to identify candidate keywords. Word scores for each word within the candidate keywords are then calculated based on a function of co-occurrence degree, co-occurrence frequency, or both. Based on a function of the word scores for words within the candidate keyword, a keyword score is calculated for each of the candidate keywords. A portion of the candidate keywords are then extracted as keywords based, at least in part, on the candidate keywords having the highest keyword scores.

  6. Special Sensor Microwave Imager/Sounder (SSMIS) Sensor Data Record (SDR) in netCDF

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — The Special Sensor Microwave Imager/Sounder (SSMIS) is a series of passive microwave conically scanning imagers and sounders onboard the DMSP satellites beginning...

  7. Special Sensor Microwave Imager/Sounder (SSMIS) Temperature Data Record (TDR) in netCDF

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — The Special Sensor Microwave Imager/Sounder (SSMIS) is a series of passive microwave conically scanning imagers and sounders onboard the DMSP satellites beginning...

  8. Hidden policy ciphertext-policy attribute-based encryption with keyword search against keyword guessing attack

    Institute of Scientific and Technical Information of China (English)

    Shuo; QIU; Jiqiang; LIU; Yanfeng; SHI; Rui; ZHANG

    2017-01-01

    Attribute-based encryption with keyword search(ABKS) enables data owners to grant their search capabilities to other users by enforcing an access control policy over the outsourced encrypted data. However,existing ABKS schemes cannot guarantee the privacy of the access structures, which may contain some sensitive private information. Furthermore, resulting from the exposure of the access structures, ABKS schemes are susceptible to an off-line keyword guessing attack if the keyword space has a polynomial size. To solve these problems, we propose a novel primitive named hidden policy ciphertext-policy attribute-based encryption with keyword search(HP-CPABKS). With our primitive, the data user is unable to search on encrypted data and learn any information about the access structure if his/her attribute credentials cannot satisfy the access control policy specified by the data owner. We present a rigorous selective security analysis of the proposed HP-CPABKS scheme, which simultaneously keeps the indistinguishability of the keywords and the access structures. Finally,the performance evaluation verifies that our proposed scheme is efficient and practical.

  9. MODELING CREDIT RISK THROUGH CREDIT SCORING

    OpenAIRE

    Adrian Cantemir CALIN; Oana Cristina POPOVICI

    2014-01-01

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

  10. TX-Kw: An Effective Temporal XML Keyword Search

    OpenAIRE

    Rasha Bin-Thalab; Neamat El-Tazi; Mohamed E.El-Sharkawi

    2013-01-01

    Inspired by the great success of information retrieval (IR) style keyword search on the web, keyword search on XML has emerged recently. Existing methods cannot resolve challenges addressed by using keyword search in Temporal XML documents. We propose a way to evaluate temporal keyword search queries over Temporal XML documents. Moreover, we propose a new ranking method based on the time-aware IR ranking methods to rank temporal keyword search queries results. Extensive experiments have been ...

  11. Credit Management System

    Data.gov (United States)

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

  12. Science Study For A Low Cost Upper Atmosphere Sounder (LOCUS)

    Science.gov (United States)

    Gerber, D.; Swinyard, B. M.; Ellison, B. N.; Siddans, R.; Kerridge, B. J.; Plane, J. M. C.; Feng, W.

    2013-12-01

    We present the findings of an initial science study to define the spectral bands for the proposed Mesosphere / Lower Thermosphere (MLT) sounder LOCUS. The LOCUS mission (Fig 1) uses disruptive technologies to make key MLT species detectable globally by satellite remote sensing for the first time. This presentation summarises the technological and scientific foundation on which the current 4-band Terahertz (THz) and sub- millimetre wave (SMW) instrument configuration was conceived.

  13. Observations of atmospheric structure using an acoustic sounder

    International Nuclear Information System (INIS)

    Shaw, N.A.

    1974-11-01

    An acoustic sounder has been used to monitor the vertical temperature structure of the lowest 1.5 km of the atmosphere over the meteorological field site at Argonne National Laboratory since February 1972. Additional records were obtained near St. Louis, Mo., during the month of August. Sounder records obtained during cloudless days on which no major synoptic events occurred are separated into three characteristic phases. The first phase is the rise of the morning inversion associated with increasing solar heating of the surface after dawn. The second phase is the period of strong convective activity that usually exists between about 1100 and 1600 local time in summer and which typically destroys the inversion. The third phase includes the gradual regeneration of the low level inversion through radiation cooling of the lowest levels, followed by a period of persistence throughout the night until the first phase begins again after sunrise. Analysis of records obtained from a single acoustic sounder operating in the vertically-pointing, monostatic mode is subject to the usual ambiguity regarding the relative importance of advective effects and local changes with time. To provide a spatial sampling facility, a mobile acoustic sounding system was constructed during 1972. Details of the mobile antenna acoustic baffle or cuff are given in the Appendix. (19 figures, 1 table) (U.S.)

  14. Credit: A Teaching Unit.

    Science.gov (United States)

    Clanton, Brandolyn; And Others

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

  15. Refundable Tax Credits

    OpenAIRE

    Congressional Budget Office

    2013-01-01

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

  16. NCA & Credit Guarantees

    African Journals Online (AJOL)

    stooppn

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

  17. Public-key Encryption with Registered Keyword Search

    NARCIS (Netherlands)

    Tang, Qiang; Chen, Liqun

    Public-key Encryption with Keyword Search (PEKS) enables a server to test whether a tag from a sender and a trapdoor from a receiver contain the same keyword. In this paper, we highlight some potential security concern, i.e. a curious server is able to answer whether any selected keyword is

  18. Web page sorting algorithm based on query keyword distance relation

    Science.gov (United States)

    Yang, Han; Cui, Hong Gang; Tang, Hao

    2017-08-01

    In order to optimize the problem of page sorting, according to the search keywords in the web page in the relationship between the characteristics of the proposed query keywords clustering ideas. And it is converted into the degree of aggregation of the search keywords in the web page. Based on the PageRank algorithm, the clustering degree factor of the query keyword is added to make it possible to participate in the quantitative calculation. This paper proposes an improved algorithm for PageRank based on the distance relation between search keywords. The experimental results show the feasibility and effectiveness of the method.

  19. Homeownership inequality and the access to credit markets

    Czech Academy of Sciences Publication Activity Database

    Bičáková, Alena; Sierminska, E.

    -, č. 5 (2007), s. 1-43 Institutional research plan: CEZ:AV0Z70850503 Keywords : homeownership * credit availability * young households Subject RIV: AH - Economics http://www.lisproject.org/publications/lwswps/lws5.pdf

  20. The microwave limb sounder for the Upper Atmosphere Research Satellite

    Science.gov (United States)

    Waters, J. W.; Peckham, G. E.; Suttie, R. A.; Curtis, P. D.; Maddison, B. J.; Harwood, R. S.

    1988-01-01

    The Microwave Limb Sounder was designed to map the concentrations of trace gases from the stratosphere to the lower thermosphere, to improve understanding of the photochemical reactions which take place in this part of the atmosphere. The instrument will measure the intensity of thermal radiation from molecules in the atmosphere at frequencies corresponding to rotational absorption bands of chlorine monoxide, ozone, and water vapor. Molecular concentration profiles will be determined over a height range of 15 to 80 km (20 to 45 km for C10). The 57 deg inclination orbit proposed for the Upper Atmosphere Research Satellite will allow global coverage.

  1. The Box Model and the Acoustic Sounder, a Case Study

    DEFF Research Database (Denmark)

    Jensen, Niels Otto; Lundtang Petersen, Erik

    1979-01-01

    Concentrations of SO2 in a large city during a subsidence situation are predicted as a function of time by means of a simple box model and the predictions are compared to actual SO2 concentration measurements. The agreement between model results and measurements is found to be excellent. The mode...... uses the height of the mixing layer as measured by means of an acoustic sounder. It is demonstrated that this height is a dominant factor in determining the variation of the SO2 concentration...

  2. Broadband infrared beam splitter for spaceborne interferometric infrared sounder.

    Science.gov (United States)

    Yu, Tianyan; Liu, Dingquan; Qin, Yang

    2014-10-01

    A broadband infrared beam splitter (BS) on ZnSe substrate used for the spaceborne interferometric infrared sounder (SIIRS) is studied in the spectral range of 4.44-15 μm. Both broadband antireflection coating and broadband beam-splitter coating in this BS are designed and tested. To optimize the optical properties and the stability of the BS, suitable infrared materials were selected, and improved deposition techniques were applied. The designed structures matched experimental data well, and the properties of the BS met the application specification of SIIRS.

  3. Rural Credit in Vietnam

    DEFF Research Database (Denmark)

    Barslund, Mikkel Christoffer; Tarp, Finn

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

  4. Intelligent Online Marketing : Predicting Conversion Rate Of New Keywords

    OpenAIRE

    Engström, Tommy

    2013-01-01

    This thesis looks at the problem of predicting conversion rate of keywords in Google Adwords where little or no data for the keyword is available. Several methods are investigated and tested on data belonging to three different real world clients. The methods try to predict the conversion rate only given the keyword text. All methods are compared, using two different evaluation methods, with results showing good potential. Finally further improvements are suggested that could have a big impac...

  5. Experiences in automatic keywording of particle physics literature

    CERN Document Server

    Montejo Ráez, Arturo

    2001-01-01

    Attributing keywords can assist in the classification and retrieval of documents in the particle physics literature. As information services face a future with less available manpower and more and more documents being written, the possibility of keyword attribution being assisted by automatic classification software is explored. A project being carried out at CERN (the European Laboratory for Particle Physics) for the development and integration of automatic keywording is described.

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

    Directory of Open Access Journals (Sweden)

    Mangasa Augustinus Sipahutar

    2016-06-01

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

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

    Czech Academy of Sciences Publication Activity Database

    Simon, Rita

    2017-01-01

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

  8. Seasonal and diel patterns in sedimentary flux of krill fecal pellets recorded by an echo sounder

    KAUST Repository

    Rø stad, Anders; Kaartvedt, Stein

    2013-01-01

    We used a moored upward-facing 200 kHz echo sounder to address sedimentation of fecal pellets (FPs) from dielly migrating Meganyctiphanes norvegica. The echo sounder was located on the bottom at 150 m depth in the Oslofjord, Norway, and was cabled

  9. Credit Card Quiz.

    Science.gov (United States)

    Marks, Jeff

    2000-01-01

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

  10. Credit Union Headquarters

    Data.gov (United States)

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

  11. Credit Card Security

    OpenAIRE

    G.C., Anup

    2013-01-01

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

  12. Attribute-Based Proxy Re-Encryption with Keyword Search

    Science.gov (United States)

    Shi, Yanfeng; Liu, Jiqiang; Han, Zhen; Zheng, Qingji; Zhang, Rui; Qiu, Shuo

    2014-01-01

    Keyword search on encrypted data allows one to issue the search token and conduct search operations on encrypted data while still preserving keyword privacy. In the present paper, we consider the keyword search problem further and introduce a novel notion called attribute-based proxy re-encryption with keyword search (), which introduces a promising feature: In addition to supporting keyword search on encrypted data, it enables data owners to delegate the keyword search capability to some other data users complying with the specific access control policy. To be specific, allows (i) the data owner to outsource his encrypted data to the cloud and then ask the cloud to conduct keyword search on outsourced encrypted data with the given search token, and (ii) the data owner to delegate other data users keyword search capability in the fine-grained access control manner through allowing the cloud to re-encrypted stored encrypted data with a re-encrypted data (embedding with some form of access control policy). We formalize the syntax and security definitions for , and propose two concrete constructions for : key-policy and ciphertext-policy . In the nutshell, our constructions can be treated as the integration of technologies in the fields of attribute-based cryptography and proxy re-encryption cryptography. PMID:25549257

  13. Attribute-based proxy re-encryption with keyword search.

    Science.gov (United States)

    Shi, Yanfeng; Liu, Jiqiang; Han, Zhen; Zheng, Qingji; Zhang, Rui; Qiu, Shuo

    2014-01-01

    Keyword search on encrypted data allows one to issue the search token and conduct search operations on encrypted data while still preserving keyword privacy. In the present paper, we consider the keyword search problem further and introduce a novel notion called attribute-based proxy re-encryption with keyword search (ABRKS), which introduces a promising feature: In addition to supporting keyword search on encrypted data, it enables data owners to delegate the keyword search capability to some other data users complying with the specific access control policy. To be specific, ABRKS allows (i) the data owner to outsource his encrypted data to the cloud and then ask the cloud to conduct keyword search on outsourced encrypted data with the given search token, and (ii) the data owner to delegate other data users keyword search capability in the fine-grained access control manner through allowing the cloud to re-encrypted stored encrypted data with a re-encrypted data (embedding with some form of access control policy). We formalize the syntax and security definitions for ABRKS, and propose two concrete constructions for ABRKS: key-policy ABRKS and ciphertext-policy ABRKS. In the nutshell, our constructions can be treated as the integration of technologies in the fields of attribute-based cryptography and proxy re-encryption cryptography.

  14. Credit Market Information Feedback

    OpenAIRE

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

    2015-01-01

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

  15. Boundedly rational credit cycles

    OpenAIRE

    Sáez, María

    1996-01-01

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

  16. Modernization of credit relations

    Directory of Open Access Journals (Sweden)

    S.V. Volosovich

    2015-03-01

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

  17. A keyword spotting model using perceptually significant energy features

    Science.gov (United States)

    Umakanthan, Padmalochini

    The task of a keyword recognition system is to detect the presence of certain words in a conversation based on the linguistic information present in human speech. Such keyword spotting systems have applications in homeland security, telephone surveillance and human-computer interfacing. General procedure of a keyword spotting system involves feature generation and matching. In this work, new set of features that are based on the psycho-acoustic masking nature of human speech are proposed. After developing these features a time aligned pattern matching process was implemented to locate the words in a set of unknown words. A word boundary detection technique based on frame classification using the nonlinear characteristics of speech is also addressed in this work. Validation of this keyword spotting model was done using widely acclaimed Cepstral features. The experimental results indicate the viability of using these perceptually significant features as an augmented feature set in keyword spotting.

  18. [Efficacy of the keyword mnemonic method in adults].

    Science.gov (United States)

    Campos, Alfredo; Pérez-Fabello, María José; Camino, Estefanía

    2010-11-01

    Two experiments were used to assess the efficacy of the keyword mnemonic method in adults. In Experiment 1, immediate and delayed recall (at a one-day interval) were assessed by comparing the results obtained by a group of adults using the keyword mnemonic method in contrast to a group using the repetition method. The mean age of the sample under study was 59.35 years. Subjects were required to learn a list of 16 words translated from Latin into Spanish. Participants who used keyword mnemonics that had been devised by other experimental participants of the same characteristics, obtained significantly higher immediate and delayed recall scores than participants in the repetition method. In Experiment 2, other participants had to learn a list of 24 Latin words translated into Spanish by using the keyword mnemonic method reinforced with pictures. Immediate and delayed recall were significantly greater in the keyword mnemonic method group than in the repetition method group.

  19. Evidence of Convective Redistribution of Carbon Monoxide in Aura Tropospheric Emission Sounder (TES) and Microwave Limb Sounder (MLS) Observations

    Science.gov (United States)

    Manyin, Michael; Douglass, Anne; Schoeberl, Mark

    2010-01-01

    Vertical convective transport is a key element of the tropospheric circulation. Convection lofts air from the boundary layer into the free troposphere, allowing surface emissions to travel much further, and altering the rate of chemical processes such as ozone production. This study uses satellite observations to focus on the convective transport of CO from the boundary layer to the mid and upper troposphere. Our hypothesis is that strong convection associated with high rain rate regions leads to a correlation between mid level and upper level CO amounts. We first test this hypothesis using the Global Modeling Initiative (GMI) chemistry and transport model. We find the correlation is robust and increases as the precipitation rate (the strength of convection) increases. We next examine three years of CO profiles from the Tropospheric Emission Sounder (TES) and Microwave Limb Sounder (MLS) instruments aboard EOS Aura. Rain rates are taken from the Tropical Rainfall Measuring Mission (TRMM) 3B-42 multi-satellite product. Again we find a correlation between mid-level and upper tropospheric CO, which increases with rain rate. Our result shows the critical importance of tropical convection in coupling vertical levels of the troposphere in the transport of trace gases. The effect is seen most clearly in strong convective regions such as the Inter-tropical Convergence Zone.

  20. Tag cloud generation for results of multiple keywords queries

    DEFF Research Database (Denmark)

    Leginus, Martin; Dolog, Peter; Lage, Ricardo Gomes

    2013-01-01

    In this paper we study tag cloud generation for retrieved results of multiple keyword queries. It is motivated by many real world scenarios such as personalization tasks, surveillance systems and information retrieval tasks defined with multiple keywords. We adjust the state-of-the-art tag cloud...... generation techniques for multiple keywords query results. Consequently, we conduct the extensive evaluation on top of three distinct collaborative tagging systems. The graph-based methods perform significantly better for the Movielens and Bibsonomy datasets. Tag cloud generation based on maximal coverage...

  1. An approach for discovering keywords from Spanish tweets using Wikipedia

    Directory of Open Access Journals (Sweden)

    Daniel AYALA

    2016-05-01

    Full Text Available Most approaches to keywords discovery when analyzing microblogging messages (among them those from Twitter are based on statistical and lexical information about the words that compose the text. The lack of context in the short messages can be problematic due to the low co-occurrence of words. In this paper, we present a new approach for keywords discovering from Spanish tweets based on the addition of context information using Wikipedia as a knowledge base. We present four different ways to use Wikipedia and two ways to rank the new keywords. We have tested these strategies using more than 60000 Spanish tweets, measuring performance and analyzing particularities of each strategy.

  2. An effective suggestion method for keyword search of databases

    KAUST Repository

    Huang, Hai; Chen, Zonghai; Liu, Chengfei; Huang, He; Zhang, Xiangliang

    2016-01-01

    This paper solves the problem of providing high-quality suggestions for user keyword queries over databases. With the assumption that the returned suggestions are independent, existing query suggestion methods over databases score candidate

  3. An introduction to XML query processing and keyword search

    CERN Document Server

    Lu, Jiaheng

    2013-01-01

    This book systematically and comprehensively covers the latest advances in XML data searching. It presents an extensive overview of the current query processing and keyword search techniques on XML data.

  4. EPA Metadata Style Guide Keywords and EPA Organization Names

    Science.gov (United States)

    The following keywords and EPA organization names listed below, along with EPA’s Metadata Style Guide, are intended to provide suggestions and guidance to assist with the standardization of metadata records.

  5. Plasma density measurements from the GEOS-1 relaxation sounder

    International Nuclear Information System (INIS)

    Etcheto, J.; Bloch, J.J.

    1978-01-01

    The relaxation sounder uses the characteristics of the propagation of radiowaves to sound the plasma surrounding the spacecraft. It determines, in particular, the plasma frequency, which gives the electron density. Measurements over the whole dayside of the magnetosphere, from the evening to the night sectors, are now available. The behaviour of the plasma resonance depends on local time, the nighttime echoes being generally weaker. Density measurements thus obtained are shown and discussed in the context of what is presently known about the plasma distribution in the magnetosphere. In particular, the density around apogee is studied as a function of magnetic activity. On the dayside, it appears to vary between a few and a few tens of electrons per cubic centimeter. The evolution of the density profile for several consecutive days is studied and interpreted tracing back the drift of the particles. (Auth.)

  6. Mechanical Description of the Mars Climate Sounder Instrument

    Science.gov (United States)

    Jau, Bruno M.

    2008-01-01

    This paper introduces the Mars Climate Sounder (MCS) Instrument of the Mars Reconnaissance Orbiter (MRO) spacecraft. The instrument scans the Martian atmosphere almost continuously to systematically acquire weather and climate observations over time. Its primary components are an optical bench that houses dual telescopes with a total of nine channels for visible and infrared sensing, and a two axis gimbal that provides pointing capabilities. Both rotating joints consist of an integrated actuator with a hybrid planetary/harmonic transmission and a twist cap section that enables the electrical wiring to pass through the rotating joint. Micro stepping is used to reduce spacecraft disturbance torques to acceptable levels while driving the stepper motors. To ensure survivability over its four year life span, suitable mechanical components, lubrication, and an active temperature control system were incorporated. Some life test results and lessons learned are provided to serve as design guidelines for actuator parts and flex cables.

  7. Satellite Sounder Data Assimilation for Improving Alaska Region Weather Forecast

    Science.gov (United States)

    Zhu, Jiang; Stevens, E.; Zavodsky, B. T.; Zhang, X.; Heinrichs, T.; Broderson, D.

    2014-01-01

    Data assimilation has been demonstrated very useful in improving both global and regional numerical weather prediction. Alaska has very coarser surface observation sites. On the other hand, it gets much more satellite overpass than lower 48 states. How to utilize satellite data to improve numerical prediction is one of hot topics among weather forecast community in Alaska. The Geographic Information Network of Alaska (GINA) at University of Alaska is conducting study on satellite data assimilation for WRF model. AIRS/CRIS sounder profile data are used to assimilate the initial condition for the customized regional WRF model (GINA-WRF model). Normalized standard deviation, RMSE, and correlation statistic analysis methods are applied to analyze one case of 48 hours forecasts and one month of 24-hour forecasts in order to evaluate the improvement of regional numerical model from Data assimilation. The final goal of the research is to provide improved real-time short-time forecast for Alaska regions.

  8. Modeling a Distribution of Mortgage Credit Losses

    Czech Academy of Sciences Publication Activity Database

    Gapko, Petr; Šmíd, Martin

    2012-01-01

    Roč. 60, č. 10 (2012), s. 1005-1023 ISSN 0013-3035 R&D Projects: GA ČR GD402/09/H045; GA ČR(CZ) GBP402/12/G097 Grant - others:Univerzita Karlova(CZ) 46108 Institutional research plan: CEZ:AV0Z10750506 Institutional support: RVO:67985556 Keywords : credit risk * mortgage * delinquency rate * generalized hyperbolic distribution * normal distribution Subject RIV: AH - Economics Impact factor: 0.194, year: 2012 http://library.utia.cas.cz/separaty/2013/E/smid-modeling a distribution of mortgage credit losses.pdf

  9. Modeling a Distribution of Mortgage Credit Losses

    Czech Academy of Sciences Publication Activity Database

    Gapko, Petr; Šmíd, Martin

    2010-01-01

    Roč. 23, č. 23 (2010), s. 1-23 R&D Projects: GA ČR GA402/09/0965; GA ČR GD402/09/H045 Grant - others:Univerzita Karlova - GAUK(CZ) 46108 Institutional research plan: CEZ:AV0Z10750506 Keywords : Credit Risk * Mortgage * Delinquency Rate * Generalized Hyperbolic Distribution * Normal Distribution Subject RIV: AH - Economics http://library.utia.cas.cz/separaty/2010/E/gapko-modeling a distribution of mortgage credit losses-ies wp.pdf

  10. Noise performance of microwave humidity sounders over their lifetime

    Science.gov (United States)

    Hans, Imke; Burgdorf, Martin; John, Viju O.; Mittaz, Jonathan; Buehler, Stefan A.

    2017-12-01

    The microwave humidity sounders Special Sensor Microwave Water Vapor Profiler (SSMT-2), Advanced Microwave Sounding Unit-B (AMSU-B) and Microwave Humidity Sounder (MHS) to date have been providing data records for 25 years. So far, the data records lack uncertainty information essential for constructing consistent long time data series. In this study, we assess the quality of the recorded data with respect to the uncertainty caused by noise. We calculate the noise on the raw calibration counts from the deep space views (DSVs) of the instrument and the noise equivalent differential temperature (NEΔT) as a measure for the radiometer sensitivity. For this purpose, we use the Allan deviation that is not biased from an underlying varying mean of the data and that has been suggested only recently for application in atmospheric remote sensing. Moreover, we use the bias function related to the Allan deviation to infer the underlying spectrum of the noise. As examples, we investigate the noise spectrum in flight for some instruments. For the assessment of the noise evolution in time, we provide a descriptive and graphical overview of the calculated NEΔT over the life span of each instrument and channel. This overview can serve as an easily accessible information for users interested in the noise performance of a specific instrument, channel and time. Within the time evolution of the noise, we identify periods of instrumental degradation, which manifest themselves in an increasing NEΔT, and periods of erratic behaviour, which show sudden increases of NEΔT interrupting the overall smooth evolution of the noise. From this assessment and subsequent exclusion of the aforementioned periods, we present a chart showing available data records with NEΔT processing to provide input values for the uncertainty propagation in the generation of a new set of Fundamental Climate Data Records (FCDRs) that are currently produced in the project Fidelity and Uncertainty in Climate data

  11. 3D Reconfigurable NoC Multiprocessor Portable Sounder for Plasmaspheric Studies

    Science.gov (United States)

    Dekoulis, George

    2016-07-01

    The paper describes the development of a prototype imaging sounder for studying the irregularities of the ionospheric plasma. Cutting edge three-dimensional reconfigurable logic has been implemented allowing highly-intensive scientific calculations to be performed in hardware. The new parallel processing algorithms implemented offer a significant amount of performance improvement in the range of 80% compared to existing digital sounder implementations. The current system configuration is taking into consideration the modern scientific needs for portability during scientific campaigns. The prototype acts as a digital signal processing experimentation platform for future larger-scale digital sounder instrumentations for measuring complex planetary plasmaspheric environments.

  12. Credit risk transfer

    OpenAIRE

    Bank for International Settlements

    2003-01-01

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

  13. Modern bank's credit risk

    Directory of Open Access Journals (Sweden)

    Šabović Šerif

    2015-01-01

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

  14. Effectiveness of author-assigned keywords to INIS indexing

    International Nuclear Information System (INIS)

    Yokoo, Hiroshi; Takahashi, Satoko; Habara, Tadashi

    1977-01-01

    A test was carried out on the quality of indexing data which is based only upon author-assigned keywords in order to appreciate effectiveness of the keywords. As measures of the quality, the retrievability and the consistency of the indexing data were evaluated by comparison with the case of the conventional indexing method under the circumstances of the INIS descriptor assignment to the journal articles of the Atomic Energy Society of Japan. The indexing consistency obtained was approximately 0.61 on an average (or 0.66 when the narrower-broader hierarchical relations were regarded as consistent ones). Of the hit, noise, or total documents retrieved with the conventional indexing data, 0.86, 0.27, or 0.71, respectively, were retrievable with the keywords-based indexing data. From the results the recall ratio for the keywords-based indexing is estimated to be no less than 0.86 of that for the conventional indexing method, and the consistency of the hit documents are to be 0.75 at least. Consequently, the author-assigned keywords proved to be very effective to the document indexing. (auth.)

  15. Gene annotation from scientific literature using mappings between keyword systems.

    Science.gov (United States)

    Pérez, Antonio J; Perez-Iratxeta, Carolina; Bork, Peer; Thode, Guillermo; Andrade, Miguel A

    2004-09-01

    The description of genes in databases by keywords helps the non-specialist to quickly grasp the properties of a gene and increases the efficiency of computational tools that are applied to gene data (e.g. searching a gene database for sequences related to a particular biological process). However, the association of keywords to genes or protein sequences is a difficult process that ultimately implies examination of the literature related to a gene. To support this task, we present a procedure to derive keywords from the set of scientific abstracts related to a gene. Our system is based on the automated extraction of mappings between related terms from different databases using a model of fuzzy associations that can be applied with all generality to any pair of linked databases. We tested the system by annotating genes of the SWISS-PROT database with keywords derived from the abstracts linked to their entries (stored in the MEDLINE database of scientific references). The performance of the annotation procedure was much better for SWISS-PROT keywords (recall of 47%, precision of 68%) than for Gene Ontology terms (recall of 8%, precision of 67%). The algorithm can be publicly accessed and used for the annotation of sequences through a web server at http://www.bork.embl.de/kat

  16. Can Item Keyword Feedback Help Remediate Knowledge Gaps?

    Science.gov (United States)

    Feinberg, Richard A; Clauser, Amanda L

    2016-10-01

    In graduate medical education, assessment results can effectively guide professional development when both assessment and feedback support a formative model. When individuals cannot directly access the test questions and responses, a way of using assessment results formatively is to provide item keyword feedback. The purpose of the following study was to investigate whether exposure to item keyword feedback aids in learner remediation. Participants included 319 trainees who completed a medical subspecialty in-training examination (ITE) in 2012 as first-year fellows, and then 1 year later in 2013 as second-year fellows. Performance on 2013 ITE items in which keywords were, or were not, exposed as part of the 2012 ITE score feedback was compared across groups based on the amount of time studying (preparation). For the same items common to both 2012 and 2013 ITEs, response patterns were analyzed to investigate changes in answer selection. Test takers who indicated greater amounts of preparation on the 2013 ITE did not perform better on the items in which keywords were exposed compared to those who were not exposed. The response pattern analysis substantiated overall growth in performance from the 2012 ITE. For items with incorrect responses on both attempts, examinees selected the same option 58% of the time. Results from the current study were unsuccessful in supporting the use of item keywords in aiding remediation. Unfortunately, the results did provide evidence of examinees retaining misinformation.

  17. Keywords in Context (Using n-grams with Python

    Directory of Open Access Journals (Sweden)

    William J. Turkel

    2012-07-01

    Full Text Available Like in Output Data as HTML File, this lesson takes the frequency pairs collected in Counting Frequencies and outputs them in HTML. This time the focus is on keywords in context (KWIC which creates n-grams from the original document content – in this case a trial transcript from the Old Bailey Online. You can use your program to select a keyword and the computer will output all instances of that keyword, along with the words to the left and right of it, making it easy to see at a glance how the keyword is used. Once the KWICs have been created, they are then wrapped in HTML and sent to the browser where they can be viewed. This reinforces what was learned in Output Data as HTML File, opting for a slightly different output. At the end of this lesson, you will be able to extract all possible n-grams from the text. In the next lesson, you will be learn how to output all of the n-grams of a given keyword in a document downloaded from the Internet, and display them clearly in your browser window.

  18. HIRS-AMTS satellite sounding system test - Theoretical and empirical vertical resolving power. [High resolution Infrared Radiation Sounder - Advanced Moisture and Temperature Sounder

    Science.gov (United States)

    Thompson, O. E.

    1982-01-01

    The present investigation is concerned with the vertical resolving power of satellite-borne temperature sounding instruments. Information is presented on the capabilities of the High Resolution Infrared Radiation Sounder (HIRS) and a proposed sounding instrument called the Advanced Moisture and Temperature Sounder (AMTS). Two quite different methods for assessing the vertical resolving power of satellite sounders are discussed. The first is the theoretical method of Conrath (1972) which was patterned after the work of Backus and Gilbert (1968) The Backus-Gilbert-Conrath (BGC) approach includes a formalism for deriving a retrieval algorithm for optimizing the vertical resolving power. However, a retrieval algorithm constructed in the BGC optimal fashion is not necessarily optimal as far as actual temperature retrievals are concerned. Thus, an independent criterion for vertical resolving power is discussed. The criterion is based on actual retrievals of signal structure in the temperature field.

  19. NOAA JPSS Advanced Technology Microwave Sounder (ATMS)-based Tropical Cyclone (TC) Products from NDE

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — The JPSS Microwave Sounder-based Tropical Cyclone (TC) Products provide estimates of tropical cyclone maximum wind speed, minimum sea level pressure, radii of 34,...

  20. UARS Improved Stratospheric and Mesospheric Sounder (ISAMS) Level 3AL V001

    Data.gov (United States)

    National Aeronautics and Space Administration — The Improved Stratospheric and Mesospheric Sounder (ISAMS) Level 3AL data product consists of daily, 4 degree increment latitude-ordered vertical profiles of...

  1. UARS Improved Stratospheric and Mesospheric Sounder (ISAMS) Level 3AT V001

    Data.gov (United States)

    National Aeronautics and Space Administration — The Improved Stratospheric and Mesospheric Sounder (ISAMS) Level 3AT data product consists of daily, 65.536 second interval time-ordered vertical profiles of...

  2. Total column ozone retrieval using INSAT-3D sounder in the tropics ...

    Indian Academy of Sciences (India)

    important for ozone estimation and lower instrument noise results in better ozone ... the Indian Space Research Organisation (ISRO) ... tivity of the sounder ozone band corresponding to .... NOAA Climate Monitoring and Diagnostics Labo-.

  3. Credit Scoring Problem Based on Regression Analysis

    OpenAIRE

    Khassawneh, Bashar Suhil Jad Allah

    2014-01-01

    ABSTRACT: This thesis provides an explanatory introduction to the regression models of data mining and contains basic definitions of key terms in the linear, multiple and logistic regression models. Meanwhile, the aim of this study is to illustrate fitting models for the credit scoring problem using simple linear, multiple linear and logistic regression models and also to analyze the found model functions by statistical tools. Keywords: Data mining, linear regression, logistic regression....

  4. Dual Credit Report

    Science.gov (United States)

    Light, Noreen

    2016-01-01

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

  5. Hybrid Recommendation System Memanfaatkan Penggalian Frequent Itemset dan Perbandingan Keyword

    OpenAIRE

    Suka Parwita, Wayan Gede; Winarko, Edi

    2015-01-01

    Abstrak Recommendation system sering dibangun dengan memanfaatkan data peringkat item dan data identitas pengguna. Data peringkat item merupakan data yang langka pada sistem yang baru dibangun. Sedangkan, pemberian data identitas pada recommendation system dapat menimbulkan kekhawatiran penyalahgunaan data identitas. Hybrid recommendation system memanfaatkan algoritma penggalian frequent itemset dan perbandingan keyword dapat memberikan daftar rekomendasi tanpa menggunakan data identi...

  6. Interdisciplinarity of Nano Research Fields : A Keyword Mining Approach

    NARCIS (Netherlands)

    Wang, L.; Notten, A.; Surpatean, A.

    2012-01-01

    Using a keyword mining approach, this paper explores the interdisciplinary and integrative dynamics in five nano research fields. We argue that the general trend of integration in nano research fields is converging in the long run, although the degree of this convergence depends greatly on the

  7. Using the Keyword Mnemonics Method among Adult Learners

    Science.gov (United States)

    Campos, Alfredo; Camino, Estefania; Perez-Fabello, Maria Jose

    2011-01-01

    The aim of the present study was to assess the influence of word image vividness on the immediate and long-term recall (one-day interval) of words using either the rote repetition learning method or the keyword mnemonics method in a sample of adults aged 55 to 70 years. Subjects learned a list of concrete and abstract words using either rote…

  8. Collocations of High Frequency Noun Keywords in Prescribed Science Textbooks

    Science.gov (United States)

    Menon, Sujatha; Mukundan, Jayakaran

    2012-01-01

    This paper analyses the discourse of science through the study of collocational patterns of high frequency noun keywords in science textbooks used by upper secondary students in Malaysia. Research has shown that one of the areas of difficulty in science discourse concerns lexis, especially that of collocations. This paper describes a corpus-based…

  9. Joint Top-K Spatial Keyword Query Processing

    DEFF Research Database (Denmark)

    Wu, Dingming; Yiu, Man Lung; Cong, Gao

    2012-01-01

    Web users and content are increasingly being geopositioned, and increased focus is being given to serving local content in response to web queries. This development calls for spatial keyword queries that take into account both the locations and textual descriptions of content. We study the effici......Web users and content are increasingly being geopositioned, and increased focus is being given to serving local content in response to web queries. This development calls for spatial keyword queries that take into account both the locations and textual descriptions of content. We study...... the efficient, joint processing of multiple top-k spatial keyword queries. Such joint processing is attractive during high query loads and also occurs when multiple queries are used to obfuscate a user's true query. We propose a novel algorithm and index structure for the joint processing of top-k spatial...... keyword queries. Empirical studies show that the proposed solution is efficient on real data sets. We also offer analytical studies on synthetic data sets to demonstrate the efficiency of the proposed solution. Index Terms IEEE Terms Electronic mail , Google , Indexes , Joints , Mobile communication...

  10. Joint Top-K Spatial Keyword Query Processing

    DEFF Research Database (Denmark)

    Wu, Dinming; Yiu, Man Lung; Cong, Gao

    2012-01-01

    keyword queries. Empirical studies show that the proposed solution is efficient on real data sets. We also offer analytical studies on synthetic data sets to demonstrate the efficiency of the proposed solution. Index Terms IEEE Terms Electronic mail , Google , Indexes , Joints , Mobile communication...

  11. A new taxonomy of sublinear keyword pattern matching algorithms

    NARCIS (Netherlands)

    Cleophas, L.G.W.A.; Watson, B.W.; Zwaan, G.

    2004-01-01

    Abstract This paper presents a new taxonomy of sublinear (multiple) keyword pattern matching algorithms. Based on an earlier taxonomy by Watson and Zwaan [WZ96, WZ95], this new taxonomy includes not only suffix-based algorithms related to the Boyer-Moore, Commentz-Walter and Fan-Su algorithms, but

  12. Noise performance of microwave humidity sounders over their lifetime

    Directory of Open Access Journals (Sweden)

    I. Hans

    2017-12-01

    Full Text Available The microwave humidity sounders Special Sensor Microwave Water Vapor Profiler (SSMT-2, Advanced Microwave Sounding Unit-B (AMSU-B and Microwave Humidity Sounder (MHS to date have been providing data records for 25 years. So far, the data records lack uncertainty information essential for constructing consistent long time data series. In this study, we assess the quality of the recorded data with respect to the uncertainty caused by noise. We calculate the noise on the raw calibration counts from the deep space views (DSVs of the instrument and the noise equivalent differential temperature (NEΔT as a measure for the radiometer sensitivity. For this purpose, we use the Allan deviation that is not biased from an underlying varying mean of the data and that has been suggested only recently for application in atmospheric remote sensing. Moreover, we use the bias function related to the Allan deviation to infer the underlying spectrum of the noise. As examples, we investigate the noise spectrum in flight for some instruments. For the assessment of the noise evolution in time, we provide a descriptive and graphical overview of the calculated NEΔT over the life span of each instrument and channel. This overview can serve as an easily accessible information for users interested in the noise performance of a specific instrument, channel and time. Within the time evolution of the noise, we identify periods of instrumental degradation, which manifest themselves in an increasing NEΔT, and periods of erratic behaviour, which show sudden increases of NEΔT interrupting the overall smooth evolution of the noise. From this assessment and subsequent exclusion of the aforementioned periods, we present a chart showing available data records with NEΔT  <  1 K. Due to overlapping life spans of the instruments, these reduced data records still cover without gaps the time since 1994 and may therefore serve as a first step for constructing long time

  13. Credit Risk Research

    DEFF Research Database (Denmark)

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

    2018-01-01

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

  14. MANAGEMENT OF CREDIT LOSSES

    Directory of Open Access Journals (Sweden)

    Natalya P. Anoshkina

    2018-06-01

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

  15. Atmospheric Sounder Spectrometer for Infrared Spectral Technology (ASSIST) Instrument Handbook

    Energy Technology Data Exchange (ETDEWEB)

    Flynn, Connor J. [Pacific Northwest National Lab. (PNNL), Richland, WA (United States). Atmospheric Radiation Measurement (ARM) Program

    2016-03-01

    The Atmospheric Sounder Spectrometer for Infrared Spectral Technology (ASSIST) measures the absolute infrared (IR) spectral radiance (watts per square meter per steradian per wavenumber) of the sky directly above the instrument. More information about the instrument can be found through the manufacturer’s website. The spectral measurement range of the instrument is 3300 to 520 wavenumbers (cm-1) or 3-19.2 microns for the normal-range instruments and 3300 to 400 cm-1 or 3-25 microns, for the extended-range polar instruments. Spectral resolution is 1.0 cm-1. Instrument field-of-view is 1.3 degrees. Calibrated sky radiance spectra are produced on cycle of about 141 seconds with a group of 6 radiance spectra zenith having dwell times of about 14 seconds each interspersed with 55 seconds of calibration and mirror motion. The ASSIST data is comparable to the Atmospheric Emitted Radiance Interferometer (AERI) data and can be used for 1) evaluating line-by-line radiative transport codes, 2) detecting/quantifying cloud effects on ground-based measurements of infrared spectral radiance (and hence is valuable for cloud property retrievals), and 3) calculating vertical atmospheric profiles of temperature and water vapor and the detection of trace gases.

  16. Sensitivity Analysis for Atmospheric Infrared Sounder (AIRS) CO2 Retrieval

    Science.gov (United States)

    Gat, Ilana

    2012-01-01

    The Atmospheric Infrared Sounder (AIRS) is a thermal infrared sensor able to retrieve the daily atmospheric state globally for clear as well as partially cloudy field-of-views. The AIRS spectrometer has 2378 channels sensing from 15.4 micrometers to 3.7 micrometers, of which a small subset in the 15 micrometers region has been selected, to date, for CO2 retrieval. To improve upon the current retrieval method, we extended the retrieval calculations to include a prior estimate component and developed a channel ranking system to optimize the channels and number of channels used. The channel ranking system uses a mathematical formalism to rapidly process and assess the retrieval potential of large numbers of channels. Implementing this system, we identifed a larger optimized subset of AIRS channels that can decrease retrieval errors and minimize the overall sensitivity to other iridescent contributors, such as water vapor, ozone, and atmospheric temperature. This methodology selects channels globally by accounting for the latitudinal, longitudinal, and seasonal dependencies of the subset. The new methodology increases accuracy in AIRS CO2 as well as other retrievals and enables the extension of retrieved CO2 vertical profiles to altitudes ranging from the lower troposphere to upper stratosphere. The extended retrieval method for CO2 vertical profile estimation using a maximum-likelihood estimation method. We use model data to demonstrate the beneficial impact of the extended retrieval method using the new channel ranking system on CO2 retrieval.

  17. Scanning Mechanism of the FY-3 Microwave Humidity Sounder

    Science.gov (United States)

    Schmid, Manfred; Jing, Li; Hehr, Christian

    2010-01-01

    Astrium GmbH Germany, developed the scanning equipment for the instrument package of the MicroWave Humidity Sounder (MWHS) flying on the FY-3 meteorological satellite (FY means Feng Yun, Wind and Cloud) in a sun-synchronized orbit of 850-km altitude and at an inclination of 98.8 . The scanning mechanism rotates at variable velocity comprising several acceleration / deceleration phases during each revolution. The Scanning Mechanism contains two output shafts, each rotating a parabolic offset Antenna Reflector. The mechanism is operated in closed loop by means of redundant control electronics. MWHS is a sounding radiometer for measurement of global atmospheric water vapour profiles. An Engineering Qualification Model was developed and qualified and a first Flight Model was launched early 2008. The system is now working for more than two years successful in orbit. A second Flight Model of the Antenna Scanning Mechanism and of its associated control electronics was built and delivered to the customer for application on the follow-on spacecraft that will be launched by the end of 2010.

  18. The WHISPER Relaxation Sounder and the CLUSTER Active Archive

    Science.gov (United States)

    Trotignon, J. G.; Décréau, P. M. E.; Rauch, J. L.; Vallières, X.; Rochel, A.; Kougblénou, S.; Lointier, G.; Facskó, G.; Canu, P.; Darrouzet, F.; Masson, A.

    The Waves of HIgh frequency and Sounder for Probing of Electron density by Relaxation (WHISPER) instrument is part of the Wave Experiment Consortium (WEC) of the CLUSTER mission. With the help of the long double sphere antennae of the Electric Field and Wave (EFW) instrument and the Digital Wave Processor (DWP), it delivers active (sounding) and natural (transmitter off) electric field spectra, respectively from 4 to 82 kHz, and from 2 to 80 kHz. These frequency ranges have been chosen to include the electron plasma frequency, which is closely related to the total electron density, in most of the regions encountered by the CLUSTER spacecraft. Presented here is an overview of the WHISPER data products available in the CLUSTER Active Archive (CAA). The instrument and its performance are first recalled. The way the WHISPER products are obtained is then described, with particular attention being paid to the density determination. Both sounding and natural measurements are commonly used in this process, which depends on the ambient plasma regime. This is illustrated using drawings similar to the Bryant plots commonly used in the CLUSTER master science plan. These give a clear overview of typical density values and the parts of the orbits where they are obtained. More information on the applied software or on the quality/reliability of the density determination can also be highlighted.

  19. MTG infrared sounder detection chain: first radiometric test results

    Science.gov (United States)

    Dumestier, D.; Pistone, F.; Dartois, T.; Blazquez, E.

    2017-11-01

    Europe's next fleet of geostationary meteorological satellites, MeteoSat Third Generation, will introduce new functions in addition to continuity of high-resolution meteorological data. The atmosphere Infrared Sounder (IRS), as high -end instrument, is part of this challenging program. IRS principle is a Fourier Transform Interferometer, which allows recomposing atmospheric spectrum after infrared photons detection. Transmission spectrums will be used to support numerical weather prediction. IRS instrument is able to offer full disk coverage in one hour, an on-ground resolution of 4 by 4 km, in two spectral bands (MWIR: 1600 to 2175cm-1 and LWIR: 700 to 1210cm-1) with a spectral resolution of 0.6cm-1. Among critical technologies and processes, IRS detection chain shall offer outstanding characteristics in terms of radiometric performance like Signal to Noise Ratio (SNR), dynamic range and linearity. Selected detectors are HgCdTe two-dimensions arrays, cooled at 55 Kelvins, hybridized on snapshot silicon read-out circuit at 160x160 format. Video electronics present 16 bits resolution, and the whole detection chain (Detectors and electronics) permits to reach SNR between 2 000 and 10 000 as requested by the application. Radiometric onground test results performed on design representative detection chains are presented and are confirming the challenging phase A design choices.

  20. Keyword-based Ciphertext Search Algorithm under Cloud Storage

    Directory of Open Access Journals (Sweden)

    Ren Xunyi

    2016-01-01

    Full Text Available With the development of network storage services, cloud storage have the advantage of high scalability , inexpensive, without access limit and easy to manage. These advantages make more and more small or medium enterprises choose to outsource large quantities of data to a third party. This way can make lots of small and medium enterprises get rid of costs of construction and maintenance, so it has broad market prospects. But now lots of cloud storage service providers can not protect data security.This result leakage of user data, so many users have to use traditional storage method.This has become one of the important factors that hinder the development of cloud storage. In this article, establishing keyword index by extracting keywords from ciphertext data. After that, encrypted data and the encrypted index upload cloud server together.User get related ciphertext by searching encrypted index, so it can response data leakage problem.

  1. Understanding the delayed-keyword effect on metacomprehension accuracy.

    Science.gov (United States)

    Thiede, Keith W; Dunlosky, John; Griffin, Thomas D; Wiley, Jennifer

    2005-11-01

    The typical finding from research on metacomprehension is that accuracy is quite low. However, recent studies have shown robust accuracy improvements when judgments follow certain generation tasks (summarizing or keyword listing) but only when these tasks are performed at a delay rather than immediately after reading (K. W. Thiede & M. C. M. Anderson, 2003; K. W. Thiede, M. C. M. Anderson, & D. Therriault, 2003). The delayed and immediate conditions in these studies confounded the delay between reading and generation tasks with other task lags, including the lag between multiple generation tasks and the lag between generation tasks and judgments. The first 2 experiments disentangle these confounded manipulations and provide clear evidence that the delay between reading and keyword generation is the only lag critical to improving metacomprehension accuracy. The 3rd and 4th experiments show that not all delayed tasks produce improvements and suggest that delayed generative tasks provide necessary diagnostic cues about comprehension for improving metacomprehension accuracy.

  2. Can keyword length indicate Web Users' readiness to purchase

    OpenAIRE

    Ramlall, Shalini; Sanders, David; Tewkesbury, Giles; Ndzi, David

    2011-01-01

    Over the last ten years, the internet has become an important marketing tool and a profitable selling channel. The biggest challenge for most online business is converting Web users into customers effectively and at a high rate. Understanding the audience of a website is essential for achieving high conversion rates. This paper describes the research carried out in online search behaviour. The research looks at whether the length of a Web user’s search keyword can provide insight into their i...

  3. Imagined affordance: reconstructing a keyword for communication theory

    OpenAIRE

    Neff, G; Nagy, P

    2015-01-01

    In this essay, we reconstruct a keyword for communication—affordance. Affordance, adopted from ecological psychology, is now widely used in technology studies, yet the term lacks a clear definition. This is especially problematic for scholars grappling with how to theorize the relationship between technology and sociality for complex socio-technical systems such as machine-learning algorithms, pervasive computing, the Internet of Things, and other such “smart” innovations. Within technology s...

  4. The Pollution Effect: Optimizing Keyword Auctions by Favoring Relevant Advertising

    OpenAIRE

    Linden, Greg; Meek, Christopher; Chickering, Max

    2011-01-01

    Most search engines sell slots to place advertisements on the search results page through keyword auctions. Advertisers offer bids for how much they are willing to pay when someone enters a search query, sees the search results, and then clicks on one of their ads. Search engines typically order the advertisements for a query by a combination of the bids and expected clickthrough rates for each advertisement. In this paper, we extend a model of Yahoo's and Google's advertising auctions to inc...

  5. Keyword extraction, ranking, and organization for the neuroinformatics platform.

    Science.gov (United States)

    Usui, S; Palmes, P; Nagata, K; Taniguchi, T; Ueda, N

    2007-04-01

    Brain-related researches encompass many fields of studies and usually involve worldwide collaborations. Recognizing the value of these international collaborations for efficient use of resources and improving the quality of brain research, the International Neuroinformatics Coordinating Facility (INCF) started to coordinate the effort of establishing neuroinformatics (NI) centers and portal sites among the different participating countries. These NI centers and portal sites will serve as the conduit for the interchange of information and brain-related resources among different countries. In Japan, several NI platforms under the support of NIJC (NI Japan Center) are being developed with one platform called, Visiome, already operating and publicly accessible at "http://www.platform.visiome.org". Each of these platforms requires their own set of keywords that represent important terms covering their respective fields of study. One important function of this predefined keyword list is to help contributors classify the contents of their contributions and group related resources. It is vital, therefore, that this predefined list should be properly chosen to cover the necessary areas. Currently, the process of identifying these appropriate keywords relies on the availability of human experts which does not scale well considering that different areas are rapidly evolving. This problem prompted us to develop a tool to automatically filter the most likely terms preferred by human experts. We tested the effectiveness of the proposed approach using the abstracts of the Vision Research Journal (VR) and Investigative Ophthalmology and Visual Science Journal (IOVS) as source files.

  6. Trust and Credit

    DEFF Research Database (Denmark)

    Harste, Gorm

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

  7. Credit Risk Modeling

    DEFF Research Database (Denmark)

    Lando, David

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

  8. 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...

  9. Credit derivatives in emerging markets

    OpenAIRE

    Romain Rancière

    2002-01-01

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

  10. Public Service? Tax Credits?

    Science.gov (United States)

    Shanker, Albert

    1982-01-01

    Acknowledges the good work of private schools but resists the provision of further direct or indirect government aid to these schools. Argues that tax credits will adversely affect public education and American society. (Author/WD)

  11. Burnup credit in Spain

    International Nuclear Information System (INIS)

    Conde, J.M.; Recio, M.

    2001-01-01

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

  12. Investigation of Planets and Small Bodies Using Decameter Wavelength Radar Sounders

    Science.gov (United States)

    Safaeinili, A.

    2003-12-01

    Decameter wavelength radar sounders provide a unique capability for the exploration of subsurface of planets and internal structure of small bodies. Recently, a number of experimental radar sounding instruments have been proposed and/or are planned to become operational in the near future. The first of these radar sounders is MARSIS (Picardi et al.) that is about to arrive at Mars on ESA's Mars Express for a two-year mission. The second radar sounder, termed SHARAD (Seu et. al), will fly on NASA's Mars Reconnaissance orbiter in 2005. MARSIS and SHARAD have complementary science objectives in that MARSIS (0.1-5.5 MHz) is designed to explore the deep subsurface with a depth resolution of ˜100 m while SHARAD (15-25 MHz) focuses its investigation to near-surface (generation of radar sounders will benefit from high power and high data rate capability that is made available through the use of Nuclear Electric generators. An example of such high-capability mission is the Jovian Icy Moons Orbiter (JIMO) where, for example, the radar sounder can be used to explore beneath the icy surfaces of Europa in search of the ice/ocean interface. The decameter wave radar sounder is probably the only instrument that has the potential of providing an accurate estimate for the ocean depth. Another exciting and rewarding area of application for planetary radar sounding is the investigation of the deep interior of small bodies (asteroids and comets). The small size of asteroids and comets provides the opportunity to collect data in a manner that enables Radio Reflection Tomographic (RRT) reconstruction of the body in the same manner that a medical ultrasound probe can image the interior of our body. This paper provides an overview of current technical capabilities and challenges and the potential of radio sounders in the investigation of planets and small bodies.

  13. Efficient Continuously Moving Top-K Spatial Keyword Query Processing

    DEFF Research Database (Denmark)

    Wu, Dinming; Yiu, Man Lung; Jensen, Christian Søndergaard

    2011-01-01

    safe zones that guarantee correct results at any time and that aim to optimize the computation on the server as well as the communication between the server and the client. We exploit tight and conservative approximations of safe zones and aggressive computational space pruning. Empirical studies...... keyword data. State-of-the-art solutions for moving queries employ safe zones that guarantee the validity of reported results as long as the user remains within a zone. However, existing safe zone methods focus solely on spatial locations and ignore text relevancy. We propose two algorithms for computing...

  14. Mining the literature: new methods to exploit keyword profiles

    OpenAIRE

    Andrade-Navarro, Miguel A

    2012-01-01

    Bibliographic records in the PubMed database of biomedical literature are annotated with Medical Subject Headings (MeSH) by curators, which summarize the content of the articles. Two recent publications explain how to generate profiles of MeSH terms for a set of bibliographic records and to use them to define any given concept by its associated literature. These concepts can then be related by their keyword profiles, and this can be used, for example, to detect new associations between genes ...

  15. Mining the literature: new methods to exploit keyword profiles.

    Science.gov (United States)

    Andrade-Navarro, Miguel A

    2012-01-01

    Bibliographic records in the PubMed database of biomedical literature are annotated with Medical Subject Headings (MeSH) by curators, which summarize the content of the articles. Two recent publications explain how to generate profiles of MeSH terms for a set of bibliographic records and to use them to define any given concept by its associated literature. These concepts can then be related by their keyword profiles, and this can be used, for example, to detect new associations between genes and inherited diseases. http://www.biomedcentral.com/1471-2105/13/249/abstracthttp://genomemedicine.com/content/4/9/75/abstract.

  16. Supporting ontology-based keyword search over medical databases.

    Science.gov (United States)

    Kementsietsidis, Anastasios; Lim, Lipyeow; Wang, Min

    2008-11-06

    The proliferation of medical terms poses a number of challenges in the sharing of medical information among different stakeholders. Ontologies are commonly used to establish relationships between different terms, yet their role in querying has not been investigated in detail. In this paper, we study the problem of supporting ontology-based keyword search queries on a database of electronic medical records. We present several approaches to support this type of queries, study the advantages and limitations of each approach, and summarize the lessons learned as best practices.

  17. PKIS: practical keyword index search on cloud datacenter

    Directory of Open Access Journals (Sweden)

    Park Jae Hyun

    2011-01-01

    Full Text Available Abstract This paper highlights the importance of the interoperability of the encrypted DB in terms of the characteristics of DB and efficient schemes. Although most prior researches have developed efficient algorithms under the provable security, they do not focus on the interoperability of the encrypted DB. In order to address this lack of practical aspects, we conduct two practical approaches--efficiency and group search in cloud datacenter. The process of this paper is as follows: first, we create two schemes of efficiency and group search--practical keyword index search--I and II; second, we define and analyze group search secrecy and keyword index search privacy in our schemes; third, we experiment on efficient performances over our proposed encrypted DB. As the result, we summarize two major results: (1our proposed schemes can support a secure group search without re-encrypting all documents under the group-key update and (2our experiments represent that our scheme is approximately 935 times faster than Golle's scheme and about 16 times faster than Song's scheme for 10,000 documents. Based on our experiments and results, this paper has the following contributions: (1 in the current cloud computing environments, our schemes provide practical, realistic, and secure solutions over the encrypted DB and (2 this paper identifies the importance of interoperability with database management system for designing efficient schemes.

  18. Seasonal and diel patterns in sedimentary flux of krill fecal pellets recorded by an echo sounder

    KAUST Repository

    Røstad, Anders

    2013-11-01

    We used a moored upward-facing 200 kHz echo sounder to address sedimentation of fecal pellets (FPs) from dielly migrating Meganyctiphanes norvegica. The echo sounder was located on the bottom at 150 m depth in the Oslofjord, Norway, and was cabled to shore for continuous measurements during winter and spring. Records of sinking pellets were for the first time observed with an echo sounder. Seasonal patterns of sedimentation of krill FPs were strongly correlated with data from continuous measurement of fluorescence, which illustrate the development of the spring bloom. Sedimenting particles were first observed as fluorescence values started to increase at the end of February and continued to increase until the bloom suddenly culminated at the end of March. This collapse of the bloom was detected on the echo sounder as a pulse of slowly sinking acoustic targets over a 2 d period. Prior to this event, there was a strong diel pattern in sedimentation, which correlated, with some time lag, with the diel migration of krill foraging at night near the surface. Pellet average sinking speeds ranged between 423 m d−1 and 804 m d−1, with a strong relation to pellet target strength, which is an acoustic proxy for size. This novel approach shows that echo sounders may be a valuable tool in studies of vertical pellet flux and, thereby, carbon flux, providing temporal resolution and direct observation of the sedimentation process, which are not obtained from standard methods.

  19. CREDIT Performance Indicator Framework

    DEFF Research Database (Denmark)

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

    2010-01-01

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

  20. Use of keyword hierarchies to interpret gene expression patterns.

    Science.gov (United States)

    Masys, D R; Welsh, J B; Lynn Fink, J; Gribskov, M; Klacansky, I; Corbeil, J

    2001-04-01

    High-density microarray technology permits the quantitative and simultaneous monitoring of thousands of genes. The interpretation challenge is to extract relevant information from this large amount of data. A growing variety of statistical analysis approaches are available to identify clusters of genes that share common expression characteristics, but provide no information regarding the biological similarities of genes within clusters. The published literature provides a potential source of information to assist in interpretation of clustering results. We describe a data mining method that uses indexing terms ('keywords') from the published literature linked to specific genes to present a view of the conceptual similarity of genes within a cluster or group of interest. The method takes advantage of the hierarchical nature of Medical Subject Headings used to index citations in the MEDLINE database, and the registry numbers applied to enzymes.

  1. Management of information for mission operations using automated keyword referencing

    Science.gov (United States)

    Davidson, Roger A.; Curran, Patrick S.

    1993-01-01

    Although millions of dollars have helped to improve the operability and technology of ground data systems for mission operations, almost all mission documentation remains bound in printed volumes. This form of documentation is difficult and timeconsuming to use, may be out-of-date, and is usually not cross-referenced with other related volumes of mission documentation. A more effective, automated method of mission information access is needed. A new method of information management for mission operations using automated keyword referencing is proposed. We expound on the justification for and the objectives of this concept. The results of a prototype tool for mission information access that uses a hypertextlike user interface and existing mission documentation are shared. Finally, the future directions and benefits of our proposed work are described.

  2. Latinos in the Credit Economy

    OpenAIRE

    Ralph, Lisa M.

    2010-01-01

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

  3. Credit derivatives and risk management

    OpenAIRE

    Michael S. Gibson

    2007-01-01

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

  4. Models of Credit Risk Measurement

    OpenAIRE

    Hagiu Alina

    2011-01-01

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

  5. Implementing earth observation and advanced satellite based atmospheric sounders for water resource and climate modelling

    DEFF Research Database (Denmark)

    Boegh, E.; Dellwik, Ebba; Hahmann, Andrea N.

    2010-01-01

    This paper discusses preliminary remote sensing (MODIS) based hydrological modelling results for the Danish island Sjælland (7330 km2) in relation to project objectives and methodologies of a new research project “Implementing Earth observation and advanced satellite based atmospheric sounders....... For this purpose, a) internal catchment processes will be studied using a Distributed Temperature Sensing (DTS) system, b) Earth observations will be used to upscale from field to regional scales, and c) at the largest scale, satellite based atmospheric sounders and meso-scale climate modelling will be used...

  6. HF doppler sounder measurements of the ionospheric signatures of small scale ULF waves

    Directory of Open Access Journals (Sweden)

    L. J. Baddeley

    2005-07-01

    Full Text Available An HF Doppler sounder, DOPE (DOppler Pulsation Experiment with three azimuthally-separated propagation paths is used to provide the first statistical examination of small scale-sized, high m waves where a direct measurement of the azimuthal wavenumber m, is made in the ionosphere. The study presents 27 events, predominantly in the post-noon sector. The majority of events are Pc4 waves with azimuthal m numbers ranging from –100 to –200, representing some of the smallest scale waves ever observed in the ionosphere. 4 Pc5 waves are observed in the post-noon sector. The fact that measurements for the wave azimuthal m number and the wave angular frequency are available allows the drift-bounce resonance condition to be used to hypothesise potential particle populations which could drive the waves through either a drift or drift-bounce resonance interaction mechanism. These results are compared with the statistical study presented by Baddeley et al. (2004 which investigated the statistical likelihood of such driving particle populations occurring in the magnetospheric ring current. The combination of these two studies indicates that any wave which requires a possible drift resonance interaction with particles of energies >60 keV, is statistically unlikely to be generated by such a mechanism. The evidence presented in this paper therefore suggests that in the pre-noon sector the drift-bounce resonance mechanism is statistically more likely implying an anti-symmetric standing wave structure while in the post-noon sector both a drift or drift-bounce resonance interaction is statistically possible, indicating both symmetric and anti-symmetric standing mode structures. A case study is also presented investigating simultaneous observations of a ULF wave in ground magnetometer and DOPE data. The event is in the lower m range of the statistical study and displays giant pulsation (Pg characteristics.

    Keywords

  7. HF doppler sounder measurements of the ionospheric signatures of small scale ULF waves

    Directory of Open Access Journals (Sweden)

    L. J. Baddeley

    2005-07-01

    Full Text Available An HF Doppler sounder, DOPE (DOppler Pulsation Experiment with three azimuthally-separated propagation paths is used to provide the first statistical examination of small scale-sized, high m waves where a direct measurement of the azimuthal wavenumber m, is made in the ionosphere. The study presents 27 events, predominantly in the post-noon sector. The majority of events are Pc4 waves with azimuthal m numbers ranging from –100 to –200, representing some of the smallest scale waves ever observed in the ionosphere. 4 Pc5 waves are observed in the post-noon sector. The fact that measurements for the wave azimuthal m number and the wave angular frequency are available allows the drift-bounce resonance condition to be used to hypothesise potential particle populations which could drive the waves through either a drift or drift-bounce resonance interaction mechanism. These results are compared with the statistical study presented by Baddeley et al. (2004 which investigated the statistical likelihood of such driving particle populations occurring in the magnetospheric ring current. The combination of these two studies indicates that any wave which requires a possible drift resonance interaction with particles of energies >60 keV, is statistically unlikely to be generated by such a mechanism. The evidence presented in this paper therefore suggests that in the pre-noon sector the drift-bounce resonance mechanism is statistically more likely implying an anti-symmetric standing wave structure while in the post-noon sector both a drift or drift-bounce resonance interaction is statistically possible, indicating both symmetric and anti-symmetric standing mode structures. A case study is also presented investigating simultaneous observations of a ULF wave in ground magnetometer and DOPE data. The event is in the lower m range of the statistical study and displays giant pulsation (Pg characteristics. Keywords. Ionosphere (Ionosphere

  8. Credit markets and the propagation of monetary policy shocks

    Czech Academy of Sciences Publication Activity Database

    Boháček, Radim; Mendizábal, H. R.

    2007-01-01

    Roč. 39, č. 6 (2007), s. 1429-1455 ISSN 0022-2879 R&D Projects: GA AV ČR IAA700850602 Institutional research plan: CEZ:AV0Z70850503 Keywords : credit * monetary policy shock * heterogeneous agents Subject RIV: AH - Economics Impact factor: 0.947, year: 2007

  9. Was there evidence of credit rationing in the Czech Republic

    Czech Academy of Sciences Publication Activity Database

    Pruteanu, Anca

    2004-01-01

    Roč. 42, č. 5 (2004), s. 58-72 ISSN 0012-8775 Keywords : disequilibrium * credit rationing Subject RIV: AH - Economics Impact factor: 0.233, year: 2004 http://search.ebscohost.com/login.aspx?direct=true&db=bth&AN=14617535&site=ehost-live

  10. Imagined Affordance: Reconstructing a Keyword for Communication Theory

    Directory of Open Access Journals (Sweden)

    Peter Nagy

    2015-09-01

    Full Text Available In this essay, we reconstruct a keyword for communication—affordance. Affordance, adopted from ecological psychology, is now widely used in technology studies, yet the term lacks a clear definition. This is especially problematic for scholars grappling with how to theorize the relationship between technology and sociality for complex socio-technical systems such as machine-learning algorithms, pervasive computing, the Internet of Things, and other such “smart” innovations. Within technology studies, emerging theories of materiality, affect, and mediation all necessitate a richer and more nuanced definition for affordance than the field currently uses. To solve this, we develop the concept of imagined affordance. Imagined affordances emerge between users’ perceptions, attitudes, and expectations; between the materiality and functionality of technologies; and between the intentions and perceptions of designers. We use imagined affordance to evoke the importance of imagination in affordances—expectations for technology that are not fully realized in conscious, rational knowledge. We also use imagined affordance to distinguish our process-oriented, socio-technical definition of affordance from the “imagined” consensus of the field around a flimsier use of the term. We also use it in order to better capture the importance of mediation, materiality, and affect. We suggest that imagined affordance helps to theorize the duality of materiality and communication technology: namely, that people shape their media environments, perceive them, and have agency within them because of imagined affordances.

  11. An effective suggestion method for keyword search of databases

    KAUST Repository

    Huang, Hai

    2016-09-09

    This paper solves the problem of providing high-quality suggestions for user keyword queries over databases. With the assumption that the returned suggestions are independent, existing query suggestion methods over databases score candidate suggestions individually and return the top-k best of them. However, the top-k suggestions have high redundancy with respect to the topics. To provide informative suggestions, the returned k suggestions are expected to be diverse, i.e., maximizing the relevance to the user query and the diversity with respect to topics that the user might be interested in simultaneously. In this paper, an objective function considering both factors is defined for evaluating a suggestion set. We show that maximizing the objective function is a submodular function maximization problem subject to n matroid constraints, which is an NP-hard problem. An greedy approximate algorithm with an approximation ratio O((Formula presented.)) is also proposed. Experimental results show that our suggestion outperforms other methods on providing relevant and diverse suggestions. © 2016 Springer Science+Business Media New York

  12. Defining Smart City. A Conceptual Framework Based on Keyword Analysis

    Directory of Open Access Journals (Sweden)

    Farnaz Mosannenzadeh

    2014-05-01

    Full Text Available “Smart city” is a concept that has been the subject of increasing attention in urban planning and governance during recent years. The first step to create Smart Cities is to understand its concept. However, a brief review of literature shows that the concept of Smart City is the subject of controversy. Thus, the main purpose of this paper is to provide a conceptual framework to define Smart City. To this aim, an extensive literature review was done. Then, a keyword analysis on literature was held against main research questions (why, what, who, when, where, how and based on three main domains involved in the policy decision making process and Smart City plan development: Academic, Industrial and Governmental. This resulted in a conceptual framework for Smart City. The result clarifies the definition of Smart City, while providing a framework to define Smart City’s each sub-system. Moreover, urban authorities can apply this framework in Smart City initiatives in order to recognize their main goals, main components, and key stakeholders.

  13. Recommendations for Alternative Credit.

    Science.gov (United States)

    Lenderman, Ed; And Others

    Following a review of the mathematics topics taught in accounting, electronics, auto, food and clothing, and metals courses at Linn-Benton Community College, Albany, Oregon, recommendations were made to grant one semester of mathematics credit for completing a two-year sequence of these courses. The other required semester of mathematics should be…

  14. Earned Income Tax Credit

    NARCIS (Netherlands)

    F.M. van Oers; R.A. de Mooij (Ruud)

    1998-01-01

    textabstractIn recent policy discussions in the Netherlands, the Earned Income Tax Credit (EITC) has been put forward as an effective instrument to reduce the unemployment rate among low-skilled workers. Using the MIMIC model, this article shows that a targeted EITC at low incomes indeed seems

  15. Waiting for tax credits

    International Nuclear Information System (INIS)

    Sheinkopf, K.

    1992-01-01

    This article examines the effect of tax credits and related legislation under consideration by Congress on the economics of the renewable energy industry. The topics discussed in the article include conflicting industry opinion on financial incentives, the effectiveness of current incentives, and alternative approaches. The article also includes a sidebar on tax incentives offered by state programs

  16. The Effect of Credit Lines and Risks on Operations of Microfinance ...

    African Journals Online (AJOL)

    ... and make sure that loans are used for the purpose for which they were given as this will reduce the number of non performing loans. Keywords: Microfinance, Microfinance banks, Credit lines, Credit risks, Banks' depositors. International Journal of Development and Management Review (INJODEMAR) Vol. 7 June, 2012 ...

  17. Investment, credit rationing, and the soft budget constraint: what would a well-functioning credit market look like?

    Czech Academy of Sciences Publication Activity Database

    Hanousek, Jan; Filer, R. K.

    2004-01-01

    Roč. 82, č. 3 (2004), s. 385-390 ISSN 0165-1765 R&D Projects: GA MŠk ME 595 Institutional research plan: CEZ:AV0Z7085904 Keywords : credit rationing * soft budget constraint * investment Subject RIV: AH - Economics Impact factor: 0.361, year: 2004

  18. CO2 credit or energy credit in emission trading?

    International Nuclear Information System (INIS)

    Hu, E.

    2002-01-01

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

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

    OpenAIRE

    Han, Lu

    2006-01-01

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

  20. P-sounder: an airborne P-band ice sounding radar

    DEFF Research Database (Denmark)

    Dall, Jørgen; Skou, Niels; Kusk, Anders

    2007-01-01

    is to test new ice sounding techniques, e.g. polarimetry, synthetic aperture processing, and coherent clutter suppression. A system analysis involving ice scattering models confirms that it is feasible to detect the bedrock through 4 km of ice and to detect deep ice layers. The ice sounder design features...

  1. Deep convective cloud characterizations from both broadband imager and hyperspectral infrared sounder measurements

    Science.gov (United States)

    Ai, Yufei; Li, Jun; Shi, Wenjing; Schmit, Timothy J.; Cao, Changyong; Li, Wanbiao

    2017-02-01

    Deep convective storms have contributed to airplane accidents, making them a threat to aviation safety. The most common method to identify deep convective clouds (DCCs) is using the brightness temperature difference (BTD) between the atmospheric infrared (IR) window band and the water vapor (WV) absorption band. The effectiveness of the BTD method for DCC detection is highly related to the spectral resolution and signal-to-noise ratio (SNR) of the WV band. In order to understand the sensitivity of BTD to spectral resolution and SNR for DCC detection, a BTD to noise ratio method using the difference between the WV and IR window radiances is developed to assess the uncertainty of DCC identification for different instruments. We examined the case of AirAsia Flight QZ8501. The brightness temperatures (Tbs) over DCCs from this case are simulated for BTD sensitivity studies by a fast forward radiative transfer model with an opaque cloud assumption for both broadband imager (e.g., Multifunction Transport Satellite imager, MTSAT-2 imager) and hyperspectral IR sounder (e.g., Atmospheric Infrared Sounder) instruments; we also examined the relationship between the simulated Tb and the cloud top height. Results show that despite the coarser spatial resolution, BTDs measured by a hyperspectral IR sounder are much more sensitive to high cloud tops than broadband BTDs. As demonstrated in this study, a hyperspectral IR sounder can identify DCCs with better accuracy.

  2. Using multi-beam echo sounder backscatter data for sediment classification in very shallow water environments

    NARCIS (Netherlands)

    Amiri-Simkooei, A.R.; Snellen, M.; Simons, D.G.

    2009-01-01

    In a recent work described in Ref. [1], an angle-independent methodology was developed to use the multi-beam echo sounder backscatter (MBES) data for the seabed sediment classification. The method employs the backscatter data at a certain angle to obtain the number of sediment classes and to

  3. Direction-of-Arrival Analysis of Airborne Ice Depth Sounder Data

    DEFF Research Database (Denmark)

    Nielsen, Ulrik; Yan, Jie-Bang; Gogineni, Sivaprasad

    2017-01-01

    In this paper, we analyze the direction-of arrival(DOA) of the ice-sheet data collected over Jakobshavn Glacier with the airborne Multichannel Radar Depth Sounder (MCRDS) during the 2006 field season. We extracted weak ice–bed echoes buried in signals scattered by the rough surface of the fast...

  4. High Resolution Infrared Radiation Sounder (HIRS) for the Nimbus F Spacecraft

    Science.gov (United States)

    Koenig, E. W.

    1975-01-01

    Flown on Nimbus F in June 1975, the high resolution infrared radiation sounder (HIRS) scans with a geographical resolution of 23KM and samples radiance in seventeen selected spectral channels from visible (.7 micron) to far IR (15 micron). Vertical temperature profiles and atmospheric moisture content can be inferred from the output. System operation and test results are described.

  5. Consumer Handbook to Credit Protection Laws.

    Science.gov (United States)

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

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

  6. Global Change Master Directory (GCMD) Keywords and Their Applications in Earth Science Data Discovery

    Science.gov (United States)

    Aleman, A.

    2017-12-01

    This presentation will provide an overview and discussion of the Global Change Master Directory (GCMD) Keywords and their applications in Earth science data discovery. The GCMD Keywords are a hierarchical set of controlled keywords covering the Earth science disciplines, including: science keywords, service keywords, data centers, projects, location, data resolution, instruments and platforms. Controlled vocabularies (keywords) help users accurately, consistently and comprehensively categorize their data and also allow for the precise search and subsequent retrieval of data. The GCMD Keywords are a community resource and are developed collaboratively with input from various stakeholders, including GCMD staff, keyword users and metadata providers. The GCMD Keyword Landing Page and GCMD Keyword Community Forum provide access to keyword resources and an area for discussion of topics related to the GCMD Keywords. See https://earthdata.nasa.gov/about/gcmd/global-change-master-directory-gcmd-keywords

  7. Dynamic Virtual Credit Card Numbers

    Science.gov (United States)

    Molloy, Ian; Li, Jiangtao; Li, Ninghui

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

  8. Dynamic Diversification in Corporate Credit

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Jacobs, Kris; Jin, Xisong

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

  9. Are carbon credits effective?

    International Nuclear Information System (INIS)

    Anon.

    2010-01-01

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

  10. The African Credit Trap

    OpenAIRE

    Svetlana Andrianova; Badi H. Baltagi; Panicos O. Demetriades; David Fielding

    2010-01-01

    We put forward a plausible explanation of African financial underdevelopment in the form of a bad credit market equilibrium. Utilising an appropriately modified IO model of banking, we show that the root of the problem could be unchecked moral hazard (strategic loan defaults) or adverse selection (a lack of good projects). We provide empirical evidence from a large panel of African banks which suggests that loan defaults are a major factor inhibiting bank lending when the quality of regulatio...

  11. Follow Up: Credit Card Caution

    Science.gov (United States)

    Cahill, Timothy P.

    2007-01-01

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

  12. Intertemporal consumption and credit constraints

    DEFF Research Database (Denmark)

    Leth-Petersen, Søren

    2010-01-01

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

  13. Credit-proofing fundamentals for a solid credit policy

    Energy Technology Data Exchange (ETDEWEB)

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

    2003-07-01

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

  14. Credit-proofing fundamentals for a solid credit policy

    International Nuclear Information System (INIS)

    Lydiatt, I.

    2003-01-01

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

  15. Value of credit bureau reports

    Directory of Open Access Journals (Sweden)

    Brković Milan

    2017-01-01

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

  16. Credit Rating and Competition

    OpenAIRE

    Nelson Camanho; Pragyan Deb; Zijun Liu

    2010-01-01

    In principle, credit rating agencies are supposed to be impartial observers that bridge the gap between private information of issuers and the information available to the wider pool of investors. However, since the 1970s, rating agencies have relied on an issuer-pay model, creating a conflict of interest the largest source of income for the rating agencies are the fees paid by the issuers the rating agencies are supposed to impartially rate. In this paper, we explore the trade-off between re...

  17. Dynamic Multi-Factor Credit Risk Model with Fat-Tailed Factors

    Czech Academy of Sciences Publication Activity Database

    Gapko, Petr; Šmíd, Martin

    2012-01-01

    Roč. 62, č. 2 (2012), s. 125-140 ISSN 0015-1920 R&D Projects: GA ČR GD402/09/H045; GA ČR GA402/09/0965 Grant - others:Univerzita Karlova(CZ) GAUK 46108 Institutional research plan: CEZ:AV0Z10750506 Keywords : credit risk * probability of default * loss given default * credit loss * credit loss distribution * Basel II Subject RIV: AH - Economics Impact factor: 0.340, year: 2012 http://library.utia.cas.cz/separaty/2012/E/smid-dynamic multi-factor credit risk model with fat-tailed factors.pdf

  18. 12 CFR 561.12 - Consumer credit.

    Science.gov (United States)

    2010-01-01

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

  19. Quality of urban forest carbon credits

    Science.gov (United States)

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

    2011-01-01

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

  20. UARS Improved Stratospheric and Mesospheric Sounder (ISAMS) Level 3AL V010 (UARIS3AL) at GES DISC

    Data.gov (United States)

    National Aeronautics and Space Administration — The Improved Stratospheric and Mesospheric Sounder (ISAMS) Level 3AL data product consists of daily, 4 degree increment latitude-ordered vertical profiles of...

  1. UARS Improved Stratospheric and Mesospheric Sounder (ISAMS) Level 3AT V010 (UARIS3AT) at GES DISC

    Data.gov (United States)

    National Aeronautics and Space Administration — The Improved Stratospheric and Mesospheric Sounder (ISAMS) Level 3AT data product consists of daily, 65.536 second interval time-ordered vertical profiles of...

  2. Credit scoring for individuals

    Directory of Open Access Journals (Sweden)

    Maria DIMITRIU

    2010-12-01

    Full Text Available Lending money to different borrowers is profitable, but risky. The profits come from the interest rate and the fees earned on the loans. Banks do not want to make loans to borrowers who cannot repay them. Even if the banks do not intend to make bad loans, over time, some of them can become bad. For instance, as a result of the recent financial crisis, the capability of many borrowers to repay their loans were affected, many of them being on default. That’s why is important for the bank to monitor the loans. The purpose of this paper is to focus on credit scoring main issues. As a consequence of this, we presented in this paper the scoring model of an important Romanian Bank. Based on this credit scoring model and taking into account the last lending requirements of the National Bank of Romania, we developed an assessment tool, in Excel, for retail loans which is presented in the case study.

  3. Variability at Multiple Scales: Using an Array of Current and Pressure Sensor Equipped Inverted Echo Sounders to Measure the Ocean

    Science.gov (United States)

    2016-11-29

    of Current- and Pressure - Sensor Equipped Inverted Echo Sounders to Measure the Ocean 5b. GRANT NUMBER NOOO 14-15-1-2857 5c. PROGRAM ELEMENT NUMBER...inverted echo sounders (lESs) equipped with pressure and current sensors (CPIESs). CPIESs are moored instruments that measure the round-trip acoustic...at a range of spatial and temporal scales. The goals of this project were to enhance the pool of pressure - sensor equipped lESs available at the

  4. Development of the Advanced Technology Microwave Sounder (ATMS) for NPOESS C1

    Science.gov (United States)

    Brann, C.; Kunkee, D.

    2008-12-01

    The National Polar-orbiting Operational Environmental Satellite System's Advanced Technology Microwave Sounder (ATMS) is planned for flight on the first NPOESS mission (C1) in 2013. The C1 ATMS will be the second instrument of the ATMS series and will provide along with the companion Cross-track Infrared Sounder (CrIS), atmospheric temperature and moisture profiles for NPOESS. The first flight of the ATMS is scheduled in 2010 on the NPOESS Preparatory Project (NPP) satellite, which is an early instrument risk reduction component of the NPOESS mission. This poster will focus on the development of the ATMS for C1 including aspects of the sensor calibration, antenna beam and RF characteristics and scanning. New design aspects of the C1 ATMS, required primarily by parts obsolescence, will also be addressed in this poster.

  5. Space Plasma Slab Studies using a new 3D Embedded Reconfigurable MPSoC Sounder

    Science.gov (United States)

    Dekoulis, George

    2016-07-01

    This paper presents recent ionospheric slab thickness measurements using a new mobile digital sounder system. The datasets obtained have been compared to the results of existing sounders in operation. The data validity has been verified. The slab thickness data allow constant monitoring of the lower ionosphere revealing the dynamic trends of the physical processes being involved. The prototype offers a tremendous amount of hardware processing power and a previously unseen response time in servicing the input and output data interfaces. This has been enabled by incorporating the latest three-dimensional Ultrascale+ technologies available commercially from the reconfigurable Field Programmable Gate Array (FPGA) computing industry. Furthermore, a previously developed Network-on-Chip (NoC) design methodology has been incorporated for connecting and controlling the application driven multiprocessor network. The system determines electron distributions, aggregate electromagnetic field gradients and plasma current density.

  6. Permit trading and credit trading

    DEFF Research Database (Denmark)

    Boom, Jan-Tjeerd; R. Dijstra, Bouwe

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

  7. Combining Passive Microwave Sounders with CYGNSS information for improved retrievals: Observations during Hurricane Harvey

    Science.gov (United States)

    Schreier, M. M.

    2017-12-01

    The launch of CYGNSS (Cyclone Global Navigation Satellite System) has added an interesting component to satellite observations: it can provide wind speeds in the tropical area with a high repetition rate. Passive microwave sounders that are overpassing the same region can benefit from this information, when it comes to the retrieval of temperature or water profiles: the uncertainty about wind speeds has a strong impact on emissivity and reflectivity calculations with respect to surface temperature. This has strong influences on the uncertainty of retrieval of temperature and water content, especially under extreme weather conditions. Adding CYGNSS information to the retrieval can help to reduce errors and provide a significantly better sounder retrieval. Based on observations during Hurricane Harvey, we want to show the impact of CYGNSS data on the retrieval of passive microwave sensors. We will show examples on the impact on the retrieval from polar orbiting instruments, like the Advanced Technology Microwave Sounder (ATMS) and AMSU-A/B on NOAA-18 and 19. In addition we will also show the impact on retrievals from HAMSR (High Altitude MMIC Sounding Radiometer), which was flying on the Global Hawk during the EPOCH campaign. We will compare the results with other observations and estimate the impact of additional CYGNSS information on the microwave retrieval, especially on the impact in error and uncertainty reduction. We think, that a synergetic use of these different data sources could significantly help to produce better assimilation products for forecast assimilation.

  8. An Assessment of Data from the Advanced Technology Microwave Sounder at the Met Office

    Directory of Open Access Journals (Sweden)

    Amy Doherty

    2015-01-01

    Full Text Available An appraisal of the Advanced Technology Microwave Sounder (ATMS for use in numerical weather prediction (NWP is presented, including an assessment of the data quality, the impact on Met Office global forecasts in preoperational trials, and a summary of performance over a period of 17 months operational use. After remapping, the noise performance (NEΔT of the tropospheric temperature sounding channels is evaluated to be approximately 0.1 K, comparing favourably with AMSU-A. However, the noise is not random, differences between observations and simulations based on short-range forecast fields show a spurious striping effect, due to 1/f noise in the receiver. The amplitude of this signal is several tenths of a Kelvin, potentially a concern for NWP applications. In preoperational tests, adding ATMS data to a full Met Office system already exploiting data from four microwave sounders improves southern hemisphere mean sea level pressure forecasts in the 2- to 5-day range by 1-2%. In operational use, where data from five other microwave sounders is assimilated, forecast impact is typically between −0.05 and −0.1 J/kg (3.4% of total mean impact per day over the period 1 April to 31 July 2013. This suggests benefits beyond redundancy, associated with reducing already small analysis errors.

  9. Evolutionary features of academic articles co-keyword network and keywords co-occurrence network: Based on two-mode affiliation network

    Science.gov (United States)

    Li, Huajiao; An, Haizhong; Wang, Yue; Huang, Jiachen; Gao, Xiangyun

    2016-05-01

    Keeping abreast of trends in the articles and rapidly grasping a body of article's key points and relationship from a holistic perspective is a new challenge in both literature research and text mining. As the important component, keywords can present the core idea of the academic article. Usually, articles on a single theme or area could share one or some same keywords, and we can analyze topological features and evolution of the articles co-keyword networks and keywords co-occurrence networks to realize the in-depth analysis of the articles. This paper seeks to integrate statistics, text mining, complex networks and visualization to analyze all of the academic articles on one given theme, complex network(s). All 5944 ;complex networks; articles that were published between 1990 and 2013 and are available on the Web of Science are extracted. Based on the two-mode affiliation network theory, a new frontier of complex networks, we constructed two different networks, one taking the articles as nodes, the co-keyword relationships as edges and the quantity of co-keywords as the weight to construct articles co-keyword network, and another taking the articles' keywords as nodes, the co-occurrence relationships as edges and the quantity of simultaneous co-occurrences as the weight to construct keyword co-occurrence network. An integrated method for analyzing the topological features and evolution of the articles co-keyword network and keywords co-occurrence networks is proposed, and we also defined a new function to measure the innovation coefficient of the articles in annual level. This paper provides a useful tool and process for successfully achieving in-depth analysis and rapid understanding of the trends and relationships of articles in a holistic perspective.

  10. Concurrent credit portfolio losses.

    Science.gov (United States)

    Sicking, Joachim; Guhr, Thomas; Schäfer, Rudi

    2018-01-01

    We consider the problem of concurrent portfolio losses in two non-overlapping credit portfolios. In order to explore the full statistical dependence structure of such portfolio losses, we estimate their empirical pairwise copulas. Instead of a Gaussian dependence, we typically find a strong asymmetry in the copulas. Concurrent large portfolio losses are much more likely than small ones. Studying the dependences of these losses as a function of portfolio size, we moreover reveal that not only large portfolios of thousands of contracts, but also medium-sized and small ones with only a few dozens of contracts exhibit notable portfolio loss correlations. Anticipated idiosyncratic effects turn out to be negligible. These are troublesome insights not only for investors in structured fixed-income products, but particularly for the stability of the financial sector. JEL codes: C32, F34, G21, G32, H81.

  11. Is There a Standard Default Keyword Operator? A Bibliometric Analysis of Processing Options Chosen by Libraries To Execute Keyword Searches in Online Public Access Catalogs.

    Science.gov (United States)

    Klein, Gary M.

    1994-01-01

    Online public access catalogs from 67 libraries using NOTIS software were searched using Internet connections to determine the positional operators selected as the default keyword operator on each catalog. Results indicate the lack of a processing standard for keyword searches. Five tables provide information. (Author/AEF)

  12. Exhortation toward assigning of keywords in free terms to papers by their authors

    International Nuclear Information System (INIS)

    Ebinuma, Yukio

    1977-01-01

    The features and the effective utilization of keywords are explained, and the prompt author-assigned keywords are desirable. What are the keywords is illustrated with two examples. The keywords have more detailed information than subject headings. A set of keywords express a gist of paper briefly and represent the contents of the paper approximately. The keywords can be selected easily because they are the arrangement of technical terms. The following effects are expected when the keywords are written together in papers: (1) the papers attract attention easily; (2) the circulation of the papers becomes wider and more exact; (3) the classification is made more accurately; (4) the indexes of subjects are easy to make; and (5) the keywords can be utilized for the administration of papers: The knowledge of assigning keywords is (1) to select meaningful words, (2) to use noun form, (3) to employ the terms having meaning as narrow as possible, (4) to use full spelling for the names of elements, nuclides, compounds and alloys, (5) to use only the abbreviations which are popular internationally, (6) to use only the compound words and phrases which are commonly used, (7) to take care not to omit words in selection because they are too natural, (8) to select about ten keywords, (9) to make a short sentence with the selected keywords, and (10) to adapt words, if any, which still perplex the author, within 15 keywords. The knowledge for instituting keyword system is that (1) the original authors of papers select keywords; (2) check-up must be required during initial one or two years for unifying expression; (3) keywords must be assigned to as many papers as possible, (4) keywords should be selected from headings and abstracts as a rule; (5) keywords are expressed in English and; (6) the prescription on keywords must be specified in the regulations and manuals for writing. (Iwakiri, K.)

  13. Study of Geological Analogues for Understanding the Radar Sounder Response of the RIME Targets

    Science.gov (United States)

    Thakur, S.; Bruzzone, L.

    2017-12-01

    Radar for Icy Moon Exploration (RIME), the radar sounder onboard the Jupiter Icy Moons Explorer (JUICE), is aimed at characterizing the ice shells of the Jovian moons - Ganymede, Europa and Callisto. RIME is optimized to operate at 9 MHz central frequency with bandwidth of 1 MHz and 2.7 MHz to achieve a penetration depth up to 9 km through ice. We have developed an approach to the definition of a database of simulated RIME radargrams by leveraging the data available from airborne and orbital radar sounder acquisitions over geological analogues of the expected icy moon features. These simulated radargrams are obtained by merging real radar sounder data with models of the subsurface of the Jupiter icy moons. They will be useful for geological interpretation of the RIME radargrams and for better predicting the performance of RIME. The database will also be useful in developing pre-processing and automatic feature extraction algorithms to support data analysis during the mission phase of RIME. Prior to the JUICE mission exploring the Jovian satellites with RIME, there exist radar sounders such as SHARAD (onboard MRO) and MARSIS (onboard MEX) probing Mars, the LRS (onboard SELENE) probing the Moon, and many airborne sounders probing the polar regions of Earth. Analogues have been identified in these places based on similarity in geo-morphological expression. Moreover, other analogues have been identified on the Earth for possible dedicated acquisition campaigns before the RIME operations. By assuming that the subsurface structure of the RIME targets is approximately represented in the analogue radargrams, the difference in composition is accounted for by imposing different dielectric and subsurface attenuation models. The RIME radargrams are simulated from the analogue radargrams using the radar equation and the RIME processing chain and accounting for different possible scenarios in terms of subsurface structure, dielectric properties and instrument parameters. For

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

    Directory of Open Access Journals (Sweden)

    Oriol Amat

    2017-01-01

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

  15. Top-k Keyword Search Over Graphs Based On Backward Search

    Directory of Open Access Journals (Sweden)

    Zeng Jia-Hui

    2017-01-01

    Full Text Available Keyword search is one of the most friendly and intuitive information retrieval methods. Using the keyword search to get the connected subgraph has a lot of application in the graph-based cognitive computation, and it is a basic technology. This paper focuses on the top-k keyword searching over graphs. We implemented a keyword search algorithm which applies the backward search idea. The algorithm locates the keyword vertices firstly, and then applies backward search to find rooted trees that contain query keywords. The experiment shows that query time is affected by the iteration number of the algorithm.

  16. Credit demand in Mozambican manufacturing

    DEFF Research Database (Denmark)

    Byiers, Bruce; Rand, John; Tarp, Finn

    2010-01-01

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

  17. Store Security. Credit Card Fraud.

    Science.gov (United States)

    Brockway, Jerry

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

  18. Tuition Tax Credits. Issuegram 19.

    Science.gov (United States)

    Augenblick, John; McGuire, Kent

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

  19. 12 CFR 703.6 - Credit analysis.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    Fox, Linda Kirk

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

  1. 7 CFR 4280.139 - Credit quality.

    Science.gov (United States)

    2010-01-01

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

  2. Formation of the mechanism for credit asessment of borrowers in conditions of economic instability

    Directory of Open Access Journals (Sweden)

    N.G. Vygovska

    2016-06-01

    Full Text Available The article investigates the state of the credit portfolio of banks in the conditions of instability of the environment and the development of the credit rating of the borrower as a mechanism to prevent the direction of growth of bad debts. The research of the state and dynamics loan portfolio has revealed its sharp deterioration in recent years due to the instability of the external macro environment. The need to reduce the volume of bad debts requires the formation of an adequate mechanism for the borrower's credit rating. Under the mechanism defined in the article the subject-object interaction and providing subsystems have aimed at making management decisions about credit and credit determination capabilities of the enterprise. The authors propose the composition of such a mechanism from the position of a system approach with the subject-object allocation and providing subsystems. As a part of providing credit subsystems the article has allocated a methodological, methodical, information, personnel and organizational support. The article has formed the basic methodological principles of credit rating, namely a comprehensive assessment; the accuracy of the assessment; the progressiveness of the assessment; an objective assessment; professionalism; reality evaluation. Using the proposed credit assessment the mechanism in practice will enhance the effectiveness of the credit relationship between the bank and the borrower. Keywords: credit portfolio; mechanism; creditworthiness assessment; economic instability.

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

    OpenAIRE

    Umutoni, Liliane

    2017-01-01

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

  4. The Expected Impacts of NPOESS Microwave and Infrared Sounder Radiances on Operational Numerical Weather Prediction and Data Assimilation Systems

    Science.gov (United States)

    Swadley, S. D.; Baker, N.; Derber, J.; Collard, A.; Hilton, F.; Ruston, B.; Bell, W.; Candy, B.; Kleespies, T. J.

    2009-12-01

    The NPOESS atmospheric sounding functionality will be accomplished using two separate sensor suites, the combined infrared (IR) and microwave (MW) sensor suite (CrIMSS), and the Microwave Imager/Sounder (MIS) instrument. CrIMSS consists of the Cross Track Infrared Sounder (CrIS) and the cross track Advanced Technology Microwave Sounder (ATMS), and is scheduled to fly on the NPOESS Preparatory Project (NPP), and NPOESS operational flight units C1 and C3. The MIS is a conical scanning polarimetric imager and sounder patterned after the heritage WindSat, and DMSP Special Sensor Microwave Imagers and Sounders (SSMI and SSMIS), and is scheduled for flight units C2, C3 and C4. ATMS combines the current operational Advanced Microwave Sounding Unit (AMSU) and the Microwave Humidity Sounder (MHS), but with an additional channel in the 51.76 GHz oxygen absorption region and 3 additional channels in the 165.5 and 183 GHz water vapor absorption band. CrIS is a Fourier Transform Spectrometer and will provide 159 shortwave IR channels, 433 mid-range IR channels, and 713 longwave IR channels. The heritage sensors for CrIS are the NASA Advanced Infrared Sounder (AIRS) and the MetOp-A Infrared Atmospheric Sounding Interferometer (IASI). Both AIRS and IASI are high quality, high spectral resolution sounders which represent a significant improvement in the effective vertical resolution over previous IR sounders. This presentation will give an overview of preparations underway for day-1 monitoring of NPP/NPOESS radiances, and subsequent operational radiance assimilation. These preparations capitalize on experience gained during the pre-launch preparations, sensor calibration/validation and operational assimilation for the heritage sensors. One important step is to use pre-flight sensor channel specifications, noise estimates and knowledge of the antenna patterns, to generate and test proxy NPP/NPOESS sensor observations in existing assimilation systems. Other critical factors for

  5. An FPGA-Based Adaptable 200 MHz Bandwidth Channel Sounder for Wireless Communication Channel Characterisation

    Directory of Open Access Journals (Sweden)

    David L. Ndzi

    2011-01-01

    Full Text Available This paper describes the development of a fast adaptable FPGA-based wideband channel sounder with signal bandwidths of up to 200 MHz and channel sampling rates up to 5.4 kHz. The application of FPGA allows the user to vary the number of real-time channel response averages, channel sampling interval, and duration of measurement. The waveform, bandwidth, and frequency resolution of the sounder can be adapted for any channel under investigation. The design approach and technology used has led to a reduction in size and weight by more than 60%. This makes the sounder ideal for mobile time-variant wireless communication channels studies. Averaging allows processing gains of up to 30 dB to be achieved for measurement in weak signal conditions. The technique applied also improves reliability, reduces power consumption, and has shifted sounder design complexity from hardware to software. Test results show that the sounder can detect very small-scale variations in channels.

  6. An Anonymous Credit Card System

    Science.gov (United States)

    Androulaki, Elli; Bellovin, Steven

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

  7. Community Involvement in Enhancing the Global Change Master Directory (GCMD) Controlled Vocabularies (Keywords)

    Science.gov (United States)

    Stevens, T.; Ritz, S.; Aleman, A.; Genazzio, M.; Morahan, M.; Wharton, S.

    2016-01-01

    NASA's Global Change Master Directory (GCMD) develops and expands a hierarchical set of controlled vocabularies (keywords) covering the Earth sciences and associated information (data centers, projects, platforms, instruments, etc.). The purpose of the keywords is to describe Earth science data and services in a consistent and comprehensive manner, allowing for the precise searching of metadata and subsequent retrieval of data and services. The keywords are accessible in a standardized SKOSRDFOWL representation and are used as an authoritative taxonomy, as a source for developing ontologies, and to search and access Earth Science data within online metadata catalogues. The keyword development approach involves: (1) receiving community suggestions, (2) triaging community suggestions, (3) evaluating the keywords against a set of criteria coordinated by the NASA ESDIS Standards Office, and (4) publication/notification of the keyword changes. This approach emphasizes community input, which helps ensure a high quality, normalized, and relevant keyword structure that will evolve with users changing needs. The Keyword Community Forum, which promotes a responsive, open, and transparent processes, is an area where users can discuss keyword topics and make suggestions for new keywords. The formalized approach could potentially be used as a model for keyword development.

  8. Extraction of Protein-Protein Interaction from Scientific Articles by Predicting Dominant Keywords.

    Science.gov (United States)

    Koyabu, Shun; Phan, Thi Thanh Thuy; Ohkawa, Takenao

    2015-01-01

    For the automatic extraction of protein-protein interaction information from scientific articles, a machine learning approach is useful. The classifier is generated from training data represented using several features to decide whether a protein pair in each sentence has an interaction. Such a specific keyword that is directly related to interaction as "bind" or "interact" plays an important role for training classifiers. We call it a dominant keyword that affects the capability of the classifier. Although it is important to identify the dominant keywords, whether a keyword is dominant depends on the context in which it occurs. Therefore, we propose a method for predicting whether a keyword is dominant for each instance. In this method, a keyword that derives imbalanced classification results is tentatively assumed to be a dominant keyword initially. Then the classifiers are separately trained from the instance with and without the assumed dominant keywords. The validity of the assumed dominant keyword is evaluated based on the classification results of the generated classifiers. The assumption is updated by the evaluation result. Repeating this process increases the prediction accuracy of the dominant keyword. Our experimental results using five corpora show the effectiveness of our proposed method with dominant keyword prediction.

  9. An Object-Oriented Approach of Keyword Querying over Fuzzy XML

    Directory of Open Access Journals (Sweden)

    Ting Li

    2016-09-01

    Full Text Available As the fuzzy data management has become one of the main research topics and directions, the question of how to obtain the useful information by means of keyword query from fuzzy XML documents is becoming a subject of an increasing needed investigation. Considering the keyword query methods on crisp XML documents, smallest lowest common ancestor (SLCA semantics is one of the most widely accepted semantics. When users propose the keyword query on fuzzy XML documents with the SLCA semantics, the query results are always incomplate, with low precision, and with no possibilities values returned. Most of keyword query semantics on XML documents only consider query results matching all keywords, yet users may also be interested in the query results matching partial keywords. To overcome these limitations, in this paper, we investigate how to obtain more comprehensive and meaningful results of keyword querying on fuzzy XML documents. We propose a semantics of object-oriented keyword querying on fuzzy XML documents. First, we introduce the concept of "object tree", analyze different types of matching result object trees and find the "minimum result object trees" which contain all keywords and "result object trees" which contain partial keywords. Then an object-oriented keyword query algorithm ROstack is proposed to obtain the root nodes of these matching result object trees, together with their possibilities. At last, experiments are conducted to verify the effectiveness and efficiency of our proposed algorithm.

  10. Phase Change Material for Temperature Control of Imager or Sounder on GOES Type Satellites in GEO

    Science.gov (United States)

    Choi, Michael K.

    2014-01-01

    This paper uses phase change material (PCM) in the scan cavity of an imager or sounder on satellites in geostationary orbit (GEO) to maintain the telescope temperature stable. When sunlight enters the scan aperture, solar heating causes the PCM to melt. When sunlight stops entering the scan aperture, the PCM releases the thermal energy stored to keep the components in the telescope warm. It has no moving parts or bimetallic springs. It reduces heater power required to make up the heat lost by radiation to space through the aperture. It is an attractive thermal control option to a radiator with a louver and a sunshade.

  11. Whisper, a resonance sounder and wave analyser: Performances and perspectives for the Cluster mission

    DEFF Research Database (Denmark)

    Decreau, P.M.E.; Fergeau, P.; KrannoselsKikh, V.

    1997-01-01

    The WHISPER sounder on the Cluster spacecraft is primarily designed to provide an absolute measurement of the total plasma density within the range 0.2-80 cm(-3). This is achieved by means of a resonance sounding technique which has already proved successful in the regions to be explored. The wav...... in the electron foreshock and solar wind, to investigations about small-scale structures via density and high-frequency emission signatures, and to the analysis of the non-thermal continuum in the magnetosphere....

  12. Performance of a 1-micron, 1-joule Coherent Launch Site Atmospheric Wind Sounder

    Science.gov (United States)

    Hawley, James G.; Targ, Russell; Bruner, Richard; Henderson, Sammy W.; Hale, Charles P.; Vetorino, Steven; Lee, R. W.; Harper, Scott; Khan, Tayyab

    1992-01-01

    The paper describes the design and performance of the Coherent Launch Site Atmospheric Wind Sounder (CLAWS), which is a test and demonstration program designed for monitoring winds with a solid-state lidar in real time for the launch site vehicle guidance and control application. Analyses were conducted to trade off CO2 (9.11- and 10.6-microns), Ho:YAG (2.09 microns), and Nd:YAG (1.06-micron) laser-based lidars. The measurements set a new altitude record (26 km) for coherent wind measurements in the stratosphere.

  13. War of the Credit Cards.

    Science.gov (United States)

    Nicklin, Julie L.

    1993-01-01

    Increasingly, colleges are offering affinity credit cards with attractive incentives as a marketing tool. Some in academe feel the trend may compromise educational objectives. Institutions may also face taxation on unrelated-business income generated through the cards. (MSE)

  14. Armenia - Water to Market Credit

    Data.gov (United States)

    Millennium Challenge Corporation — The analysis of WtM credit used baseline and final follow-up Farming Practices Survey (FPS) data to summarize beneficiary and loan characteristics, as well as to...

  15. Trade Credit and Informational Asymmetry.

    OpenAIRE

    Smith, Janet Kiholm

    1987-01-01

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

  16. Capital Requirements and Credit Rationing

    OpenAIRE

    Itai Agur

    2010-01-01

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

  17. Credit Stagnation in Latin America

    OpenAIRE

    Adolfo Barajas; Roberto Steiner

    2002-01-01

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

  18. Text analysis of MEDLINE for discovering functional relationships among genes: evaluation of keyword extraction weighting schemes.

    Science.gov (United States)

    Liu, Ying; Navathe, Shamkant B; Pivoshenko, Alex; Dasigi, Venu G; Dingledine, Ray; Ciliax, Brian J

    2006-01-01

    One of the key challenges of microarray studies is to derive biological insights from the gene-expression patterns. Clustering genes by functional keyword association can provide direct information about the functional links among genes. However, the quality of the keyword lists significantly affects the clustering results. We compared two keyword weighting schemes: normalised z-score and term frequency-inverse document frequency (TFIDF). Two gene sets were tested to evaluate the effectiveness of the weighting schemes for keyword extraction for gene clustering. Using established measures of cluster quality, the results produced from TFIDF-weighted keywords outperformed those produced from normalised z-score weighted keywords. The optimised algorithms should be useful for partitioning genes from microarray lists into functionally discrete clusters.

  19. Automatic medical image annotation and keyword-based image retrieval using relevance feedback.

    Science.gov (United States)

    Ko, Byoung Chul; Lee, JiHyeon; Nam, Jae-Yeal

    2012-08-01

    This paper presents novel multiple keywords annotation for medical images, keyword-based medical image retrieval, and relevance feedback method for image retrieval for enhancing image retrieval performance. For semantic keyword annotation, this study proposes a novel medical image classification method combining local wavelet-based center symmetric-local binary patterns with random forests. For keyword-based image retrieval, our retrieval system use the confidence score that is assigned to each annotated keyword by combining probabilities of random forests with predefined body relation graph. To overcome the limitation of keyword-based image retrieval, we combine our image retrieval system with relevance feedback mechanism based on visual feature and pattern classifier. Compared with other annotation and relevance feedback algorithms, the proposed method shows both improved annotation performance and accurate retrieval results.

  20. Reexamining the Relationship between Verbal Knowledge Background and Keyword Training for Vocabulary Acquisition

    Science.gov (United States)

    Hogben; Lawson

    1997-07-01

    The literature on keyword training presents a confusing picture of the usefulness of the keyword method for foreign language vocabulary learning by students with strong verbal knowledge backgrounds. This paper reviews research which notes the existence of conflicting sets of findings concerning the verbal background-keyword training relationship and presents the results of analyses which argue against the assertion made by McDaniel and Pressley (1984) that keyword training will have minimal effect on students with high verbal ability. Findings from regression analyses of data from two studies did not show that the relationship between keyword training and immediate recall performance was moderated by verbal knowledge background. The disparate sets of findings related to the keyword training-verbal knowledge relationship and themes emerging from other research suggest that this relationship requires further examination.

  1. The Whisper Relaxation Sounder onboard Cluster: A Powerful Tool for Space Plasma Diagnosis around the Earth

    International Nuclear Information System (INIS)

    Trotignon, J.G.; Decreau, P.M.E.; Rauch, J.L.; LeGuirriec, E.; Canu, P.; Darrouzet, F.

    2001-01-01

    The WHISPER relaxation sounder that is onboard the four CLUSTER spacecraft has for main scientific objectives to monitor the natural waves in the 2 kHz - 80 kHz frequency range and, mostly, to determine the total plasma density from the solar wind down to the Earth's plasmasphere. To fulfil these objectives, the WHISPER uses the two long double sphere antennae of the Electric Field and Wave experiment as transmitting and receiving sensors. In its active working mode, the WHISPER works according to principles that have been worked out for topside sounding. A radio wave transmitter sends an almost monochromatic and short wave train. A few milliseconds after, a receiver listens to the surrounding plasma response. Strong and long lasting echoes are actually received whenever the transmitting frequencies coincide with characteristic plasma frequencies. Provided that these echoes, also called resonances, may be identified, the WHISPER relaxation sounder becomes a reliable and powerful tool for plasma diagnosis. When the transmitter is off, the WHISPER behaves like a passive receiver, allowing natural waves to be monitored. The paper aims mainly at the resonance identification process description and the WHISPER capabilities and performance highlighting. (author)

  2. Counter electrojet features in the Brazilian sector: simultaneous observation by radar, digital sounder and magnetometers

    Directory of Open Access Journals (Sweden)

    C. M. Denardini

    2009-04-01

    Full Text Available In the present work we show new results regarding equatorial counter electrojet (CEJ events in the Brazilian sector, based on the RESCO radar, two set of fluxgate magnetometer systems and a digital sounder. RESCO radar is a 50 MHz backscatter coherent radar installed in 1998 at São Luís (SLZ, 2.33° S, 44.60° W, an equatorial site. The Digital sounder routinely monitors the electron density profile at the radar site. The magnetometer systems are fluxgate-type installed at SLZ and Eusébio (EUS, 03.89° S, 38.44° W. From the difference between the horizontal component of magnetic field at SLZ station and the same component at EUS (EEJ ground strength several cases of westward morning electrojet and its normal inversion to the eastward equatorial electrojet (EEJ have been observed. Also, the EEJ ground strength has shown some cases of CEJ events, which been detected with the RESCO radar too. Detection of these events were investigated with respect to their time and height of occurrence, correlation with sporadic E (Es layers at the same time, and their spectral characteristics as well as the radar echo power intensity.

  3. The JPSS CrIS Instrument and the Evolution of Space-Based Infrared Sounders

    Science.gov (United States)

    Glumb, Ronald; Suwinski, Lawrence; Wells, Steven; Glumb, Anna; Malloy, Rebecca; Colton, Marie

    2018-01-01

    This paper will summarize the development of infrared sounders since the 1970s, describe the technological hurdles that were overcome to provide ever-increasing performance capabilities, and highlight the radiometric performance of the CrIS instrument on JPSS-1 (CrIS-JPSS1). This includes details of the CrIS-JPSS1 measured noise-equivalent spectral radiance (NEdN) performance, radiometric uncertainty performance utilizing a new and improved internal calibration target, short-term and long-term repeatability, spectral uncertainty, and spectral stability. In addition, the full-resolution operating modes for CrIS-JPSS1 will be reviewed, including a discussion of how these modes will be used during on-orbit characterization tests. We will provide a brief update of CrIS-SNPP on-obit performance and the production status of the CrIS instruments for JPSS-2 through JPSS-4. Current technological challenges will also be reviewed, including how ongoing research and development is enabling improvements to future sounders. The expanding usage of infrared sounding data will also be discussed, including demonstration of value via data assimilation, the roles of the public/private sector in communicating the importance of sounding data for long-term observations, and the long road to success from research to operational data products.

  4. Assimilation of Feng-Yun-3B satellite microwave humidity sounder data over land

    Science.gov (United States)

    Chen, Keyi; Bormann, Niels; English, Stephen; Zhu, Jiang

    2018-03-01

    The ECMWF has been assimilating Feng-Yun-3B (FY-3B) satellite microwave humidity sounder (MWHS) data over ocean in an operational forecasting system since 24 September 2014. It is more difficult, however, to assimilate microwave observations over land and sea ice than over the open ocean due to higher uncertainties in land surface temperature, surface emissivity and less effective cloud screening. We compare approaches in which the emissivity is retrieved dynamically from MWHS channel 1 [150 GHz (vertical polarization)] with the use of an evolving emissivity atlas from 89 GHz observations from the MWHS onboard NOAA and EUMETSAT satellites. The assimilation of the additional data over land improves the fit of short-range forecasts to other observations, notably ATMS (Advanced Technology Microwave Sounder) humidity channels, and the forecast impacts are mainly neutral to slightly positive over the first five days. The forecast impacts are better in boreal summer and the Southern Hemisphere. These results suggest that the techniques tested allow for effective assimilation of MWHS/FY-3B data over land.

  5. Interpreting Observations of Large-Scale Traveling Ionospheric Disturbances by Ionospheric Sounders

    Science.gov (United States)

    Pederick, L. H.; Cervera, M. A.; Harris, T. J.

    2017-12-01

    From July to October 2015, the Australian Defence Science and Technology Group conducted an experiment during which a vertical incidence sounder (VIS) was set up at Alice Springs Airport. During September 2015 this VIS observed the passage of many large-scale traveling ionospheric disturbances (TIDs). By plotting the measured virtual heights across multiple frequencies as a function of time, the passage of the TID can be clearly displayed. Using this plotting method, we show that all the TIDs observed during the campaign by the VIS at Alice Springs show an apparent downward phase progression of the crests and troughs. The passage of the TID can be more clearly interpreted by plotting the true height of iso-ionic contours across multiple plasma frequencies; the true heights can be obtained by inverting each ionogram to obtain an electron density profile. These plots can be used to measure the vertical phase speed of a TID and also reveal a time lag between events seen in true height compared to virtual height. To the best of our knowledge, this style of analysis has not previously been applied to other swept-frequency sounder observations. We develop a simple model to investigate the effect of the passage of a large-scale TID on a VIS. The model confirms that for a TID with a downward vertical phase progression, the crests and troughs will appear earlier in virtual height than in true height and will have a smaller apparent speed in true height than in virtual height.

  6. Applications and Lessons Learned using Data from the Atmospheric Infrared Sounder

    Science.gov (United States)

    Ray, S. E.; Fetzer, E. J.; Olsen, E. T.; Lambrigtsen, B.; Pagano, T. S.; Teixeira, J.; Licata, S. J.; Hall, J. R.

    2016-12-01

    Applications and Lessons Learned using Data from the Atmospheric Infrared SounderSharon Ray, Jet Propulsion Laboratory, California Institute of Technology The Atmospheric Infrared Sounder (AIRS) on NASA's Aqua spacecraft has been returning daily global observations of Earth's atmospheric constituents and properties since 2002. With a 12-year data record and daily, global observations in near real-time, AIRS can play a role in applications that fall under many of the NASA Applied Sciences focus areas. AIRS' involvement in applications is two years in, so what have we learned and what are the pitfalls? AIRS has made gains in drought applications with products under consideration for inclusion in the U.S. Drought Monitor national map, as also with volcano rapid response with an internal alert system and automated products to help characterize plume extent. Efforts are underway with cold air aloft for aviation, influenza outbreak prediction, and vector borne disease. But challenges have occurred both in validation and in crossing the "valley of death" between products and decision makers. AIRS now has improved maps of standard products to be distributed in near real-time via NASA LANCE and by the Goddard DAAC as part of the Obama's administration Big Earth Data Initiative. In addition internal tools have been developed to support development and distribution of our application products. This talk will communicate the status of the AIRS applications effort along with lessons learned, and provide examples of new product imagery designed to best communicate AIRS data.

  7. Epidemiologic research topics in Germany: a keyword network analysis of 2014 DGEpi conference presentations.

    Science.gov (United States)

    Peter, Raphael Simon; Brehme, Torben; Völzke, Henry; Muche, Rainer; Rothenbacher, Dietrich; Büchele, Gisela

    2016-06-01

    Knowledge of epidemiologic research topics as well as trends is useful for scientific societies, researchers and funding agencies. In recent years researchers recognized the usefulness of keyword network analysis for visualizing and analyzing scientific research topics. Therefore, we applied keyword network analysis to present an overview of current epidemiologic research topics in Germany. Accepted submissions to the 9th annual congress of the German Society for Epidemiology (DGEpi) in 2014 were used as data source. Submitters had to choose one of 19 subject areas, and were ask to provide a title, structured abstract, names of authors along with their affiliations, and a list of freely selectable keywords. Keywords had been provided for 262 (82 %) submissions, 1030 keywords in total. Overall the most common keywords were: "migration" (18 times), "prevention" (15 times), followed by "children", "cohort study", "physical activity", and "secondary data analysis" (11 times each). Some keywords showed a certain concentration under one specific subject area, e.g. "migration" with 8 of 18 in social epidemiology or "breast cancer" with 4 of 7 in cancer epidemiology. While others like "physical activity" were equally distributed over multiple subject areas (cardiovascular & metabolic diseases, ageing, methods, paediatrics, prevention & health service research). This keyword network analysis demonstrated the high diversity of epidemiologic research topics with a large number of distinct keywords as presented at the annual conference of the DGEpi.

  8. THE CREDIT AND CREDIT RISK MANAGEMENT DURING THE CRISIS

    Directory of Open Access Journals (Sweden)

    Chitan Gheorghe

    2012-03-01

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

  9. 49 CFR 260.13 - Credit reform.

    Science.gov (United States)

    2010-10-01

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

  10. 76 FR 79531 - Corporate Credit Unions

    Science.gov (United States)

    2011-12-22

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

  11. 49 CFR 536.4 - Credits.

    Science.gov (United States)

    2010-10-01

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

  12. Trade credit: Elusive insurance of firm growth

    NARCIS (Netherlands)

    Bams, Dennis; Bos, Jaap; Pisa, Magdalena

    2016-01-01

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

  13. Lending and Credit Monitoring Principles

    Directory of Open Access Journals (Sweden)

    Viorica IOAN

    2012-11-01

    Full Text Available The results of a bank’s activities depend to a significant extent on the quality of the credit portfolio that it holds, as well as on the credit tracking and control system. The purpose and functioning of such inter-banking systems differs from one bank to another. Loans require an increasingly efficient type of internal surveillance of activity. Following the clients’ behavior and performances, as well as their entire activity is a particularly important phase and absolutely necessary in the course of a loan. The purpose of this activity is, generally, that of identifying, as early as possible, of clues about any problems that may appear during the course of the loan, so as to make possible, as early as can be, the taking of remedial measures with a view to anticipate the deterioration of the loan’s debt. An open communication between the bank and the loan’s beneficiary is an essential condition for an efficient tracking program. Another basic element is the rigorous and complete filling out of the credit papers. The credit files are the backbone of the of the loan monitoring process because these contain all of the documents which may offer to the credit officer, accounting expert, as well as other interested parties a permanent, chronological record of the loan relation.

  14. Path Index Based Keywords to SPARQL Query Transformation for Semantic Data Federations

    Directory of Open Access Journals (Sweden)

    Thilini Cooray

    2016-06-01

    Full Text Available Semantic web is a highly emerging research domain. Enhancing the ability of keyword query processing on Semantic Web data provides a huge support for familiarizing the usefulness of Semantic Web to the general public. Most of the existing approaches focus on just user keyword matching to RDF graphs and output the connecting elements as results. Semantic Web consists of SPARQL query language which can process queries more accurately and efficiently than general keyword matching. There are only about a couple of approaches available for transforming keyword queries to SPARQL. They basically rely on real time graph traversals? for identifying subgraphs which can connect user keywords. Those approaches are either limited to query processing on a single data store or a set of interlinked data sets. They have not focused on query processing on a federation of independent data sets which belongs to the same domain. This research proposes a Path Index based approach eliminating real time graph traversal for transforming keyword queries to SPARQL. We have introduced an ontology alignment based approach for keyword query transforming on a federation of RDF data stored using multiple heterogeneous vocabularies. Evaluation shows that the proposed approach have the ability to generate SPARQL queries which can provide highly relevant results for user keyword queries. The Path Index based query transformation approach has also achieved high efficiency compared to the existing approach.

  15. The Keyword Method of Foreign Vocabulary Learning: An Investigation of Its Generalizability. Working Paper No. 270.

    Science.gov (United States)

    Pressley, Michael; And Others

    In five experiments, college-age students of differing foreign language-learning abilities were asked to learn Latin word translations to determine the effectiveness of the keyword method of foreign language vocabulary learning. The Latin words were the types for which it has been argued that the keyword method effects would be maximized (the…

  16. A Novel Model for Lattice-Based Authorized Searchable Encryption with Special Keyword

    Directory of Open Access Journals (Sweden)

    Fugeng Zeng

    2015-01-01

    Full Text Available Data stored in the cloud servers, keyword search, and access controls are two important capabilities which should be supported. Public-keyword encryption with keyword search (PEKS and attribute based encryption (ABE are corresponding solutions. Meanwhile, as we step into postquantum era, pairing related assumption is fragile. Lattice is an ideal choice for building secure encryption scheme against quantum attack. Based on this, we propose the first mathematical model for lattice-based authorized searchable encryption. Data owners can sort the ciphertext by specific keywords such as time; data users satisfying the access control hand the trapdoor generated with the keyword to the cloud sever; the cloud sever sends back the corresponding ciphertext. The security of our schemes is based on the worst-case hardness on lattices, called learning with errors (LWE assumption. In addition, our scheme achieves attribute-hiding, which could protect the sensitive information of data user.

  17. Quantitative analysis of the evolution of novelty in cinema through crowdsourced keywords.

    Science.gov (United States)

    Sreenivasan, Sameet

    2013-09-26

    The generation of novelty is central to any creative endeavor. Novelty generation and the relationship between novelty and individual hedonic value have long been subjects of study in social psychology. However, few studies have utilized large-scale datasets to quantitatively investigate these issues. Here we consider the domain of American cinema and explore these questions using a database of films spanning a 70 year period. We use crowdsourced keywords from the Internet Movie Database as a window into the contents of films, and prescribe novelty scores for each film based on occurrence probabilities of individual keywords and keyword-pairs. These scores provide revealing insights into the dynamics of novelty in cinema. We investigate how novelty influences the revenue generated by a film, and find a relationship that resembles the Wundt-Berlyne curve. We also study the statistics of keyword occurrence and the aggregate distribution of keywords over a 100 year period.

  18. CoPub: a literature-based keyword enrichment tool for microarray data analysis.

    Science.gov (United States)

    Frijters, Raoul; Heupers, Bart; van Beek, Pieter; Bouwhuis, Maurice; van Schaik, René; de Vlieg, Jacob; Polman, Jan; Alkema, Wynand

    2008-07-01

    Medline is a rich information source, from which links between genes and keywords describing biological processes, pathways, drugs, pathologies and diseases can be extracted. We developed a publicly available tool called CoPub that uses the information in the Medline database for the biological interpretation of microarray data. CoPub allows batch input of multiple human, mouse or rat genes and produces lists of keywords from several biomedical thesauri that are significantly correlated with the set of input genes. These lists link to Medline abstracts in which the co-occurring input genes and correlated keywords are highlighted. Furthermore, CoPub can graphically visualize differentially expressed genes and over-represented keywords in a network, providing detailed insight in the relationships between genes and keywords, and revealing the most influential genes as highly connected hubs. CoPub is freely accessible at http://services.nbic.nl/cgi-bin/copub/CoPub.pl.

  19. Quantitative analysis of the evolution of novelty in cinema through crowdsourced keywords

    Science.gov (United States)

    Sreenivasan, Sameet

    2013-01-01

    The generation of novelty is central to any creative endeavor. Novelty generation and the relationship between novelty and individual hedonic value have long been subjects of study in social psychology. However, few studies have utilized large-scale datasets to quantitatively investigate these issues. Here we consider the domain of American cinema and explore these questions using a database of films spanning a 70 year period. We use crowdsourced keywords from the Internet Movie Database as a window into the contents of films, and prescribe novelty scores for each film based on occurrence probabilities of individual keywords and keyword-pairs. These scores provide revealing insights into the dynamics of novelty in cinema. We investigate how novelty influences the revenue generated by a film, and find a relationship that resembles the Wundt-Berlyne curve. We also study the statistics of keyword occurrence and the aggregate distribution of keywords over a 100 year period. PMID:24067890

  20. ISIS Topside-Sounder Plasma-Wave Investigations as Guides to Desired Virtual Wave Observatory (VWO) Data Search Capabilities

    Science.gov (United States)

    Benson, Robert F.; Fung, Shing F.

    2008-01-01

    Many plasma-wave phenomena, observed by space-borne radio sounders, cannot be properly explained in terms of wave propagation in a cold plasma consisting of mobile electrons and infinitely massive positive ions. These phenomena include signals known as plasma resonances. The principal resonances at the harmonics of the electron cyclotron frequency, the plasma frequency, and the upper-hybrid frequency are well explained by the warm-plasma propagation of sounder-generated electrostatic waves, Other resonances have been attributed to sounder-stimulated plasma instability and non-linear effects, eigenmodes of cylindrical electromagnetic plasma oscillations, and plasma memory processes. Data from the topside sounders of the International Satellites for Ionospheric Studies (ISIS) program played a major role in these interpretations. A data transformation and preservation effort at the Goddard Space Flight Center has produced digital ISIS topside ionograms and a metadata search program that has enabled some recent discoveries pertaining to the physics of these plasma resonances. For example, data records were obtained that enabled the long-standing question (several decades) of the origin of the plasma resonance at the fundamental electron cyclotron frequency to be explained [Muldrew, Radio Sci., 2006]. These data-search capabilities, and the science enabled by them, will be presented as a guide to desired data search capabilities to be included in the Virtual Wave Observatory (VWO).

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

    NARCIS (Netherlands)

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

    2004-01-01

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

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

    NARCIS (Netherlands)

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

    2011-01-01

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

  3. Financial performance as a decision criterion of credit scoring models selection [doi: 10.21529/RECADM.2017004

    Directory of Open Access Journals (Sweden)

    Rodrigo Alves Silva

    2017-09-01

    Full Text Available This paper aims to show the importance of the use of financial metrics in decision-making of credit scoring models selection. In order to achieve such, we considered an automatic approval system approach and we carried out a performance analysis of the financial metrics on the theoretical portfolios generated by seven credit scoring models based on main statistical learning techniques. The models were estimated on German Credit dataset and the results were analyzed based on four metrics: total accuracy, error cost, risk adjusted return on capital and Sharpe index. The results show that total accuracy, widely used as a criterion for selecting credit scoring models, is unable to select the most profitable model for the company, indicating the need to incorporate financial metrics into the credit scoring model selection process. Keywords Credit risk; Model’s selection; Statistical learning.

  4. Patent Keyword Extraction Algorithm Based on Distributed Representation for Patent Classification

    Directory of Open Access Journals (Sweden)

    Jie Hu

    2018-02-01

    Full Text Available Many text mining tasks such as text retrieval, text summarization, and text comparisons depend on the extraction of representative keywords from the main text. Most existing keyword extraction algorithms are based on discrete bag-of-words type of word representation of the text. In this paper, we propose a patent keyword extraction algorithm (PKEA based on the distributed Skip-gram model for patent classification. We also develop a set of quantitative performance measures for keyword extraction evaluation based on information gain and cross-validation, based on Support Vector Machine (SVM classification, which are valuable when human-annotated keywords are not available. We used a standard benchmark dataset and a homemade patent dataset to evaluate the performance of PKEA. Our patent dataset includes 2500 patents from five distinct technological fields related to autonomous cars (GPS systems, lidar systems, object recognition systems, radar systems, and vehicle control systems. We compared our method with Frequency, Term Frequency-Inverse Document Frequency (TF-IDF, TextRank and Rapid Automatic Keyword Extraction (RAKE. The experimental results show that our proposed algorithm provides a promising way to extract keywords from patent texts for patent classification.

  5. A unified framework for image retrieval using keyword and visual features.

    Science.gov (United States)

    Jing, Feng; Li, Mingling; Zhang, Hong-Jiang; Zhang, Bo

    2005-07-01

    In this paper, a unified image retrieval framework based on both keyword annotations and visual features is proposed. In this framework, a set of statistical models are built based on visual features of a small set of manually labeled images to represent semantic concepts and used to propagate keywords to other unlabeled images. These models are updated periodically when more images implicitly labeled by users become available through relevance feedback. In this sense, the keyword models serve the function of accumulation and memorization of knowledge learned from user-provided relevance feedback. Furthermore, two sets of effective and efficient similarity measures and relevance feedback schemes are proposed for query by keyword scenario and query by image example scenario, respectively. Keyword models are combined with visual features in these schemes. In particular, a new, entropy-based active learning strategy is introduced to improve the efficiency of relevance feedback for query by keyword. Furthermore, a new algorithm is proposed to estimate the keyword features of the search concept for query by image example. It is shown to be more appropriate than two existing relevance feedback algorithms. Experimental results demonstrate the effectiveness of the proposed framework.

  6. Comparison of two schemes for automatic keyword extraction from MEDLINE for functional gene clustering.

    Science.gov (United States)

    Liu, Ying; Ciliax, Brian J; Borges, Karin; Dasigi, Venu; Ram, Ashwin; Navathe, Shamkant B; Dingledine, Ray

    2004-01-01

    One of the key challenges of microarray studies is to derive biological insights from the unprecedented quatities of data on gene-expression patterns. Clustering genes by functional keyword association can provide direct information about the nature of the functional links among genes within the derived clusters. However, the quality of the keyword lists extracted from biomedical literature for each gene significantly affects the clustering results. We extracted keywords from MEDLINE that describes the most prominent functions of the genes, and used the resulting weights of the keywords as feature vectors for gene clustering. By analyzing the resulting cluster quality, we compared two keyword weighting schemes: normalized z-score and term frequency-inverse document frequency (TFIDF). The best combination of background comparison set, stop list and stemming algorithm was selected based on precision and recall metrics. In a test set of four known gene groups, a hierarchical algorithm correctly assigned 25 of 26 genes to the appropriate clusters based on keywords extracted by the TDFIDF weighting scheme, but only 23 og 26 with the z-score method. To evaluate the effectiveness of the weighting schemes for keyword extraction for gene clusters from microarray profiles, 44 yeast genes that are differentially expressed during the cell cycle were used as a second test set. Using established measures of cluster quality, the results produced from TFIDF-weighted keywords had higher purity, lower entropy, and higher mutual information than those produced from normalized z-score weighted keywords. The optimized algorithms should be useful for sorting genes from microarray lists into functionally discrete clusters.

  7. Observation of the exhaust plume from the space shuttle main engines using the microwave limb sounder

    Directory of Open Access Journals (Sweden)

    H. C. Pumphrey

    2011-01-01

    Full Text Available A space shuttle launch deposits 700 tonnes of water in the atmosphere. Some of this water is released into the upper mesosphere and lower thermosphere where it may be directly detected by a limb sounding satellite instrument. We report measurements of water vapour plumes from shuttle launches made by the Microwave Limb Sounder (MLS on the Aura satellite. Approximately 50%–65% of shuttle launches are detected by MLS. The signal appears at a similar level across the upper 10 km of the MLS limb scan, suggesting that the bulk of the observed water is above the top of the scan. Only a small fraction at best of smaller launches (Ariane 5, Proton are detected. We conclude that the sensitivity of MLS is only just great enough to detect a shuttle sized launch, but that a suitably designed instrument of the same general type could detect the exhausts from a large proportion of heavy-lift launches.

  8. Tropical stratospheric water vapor measured by the microwave limb sounder (MLS)

    Science.gov (United States)

    Carr, E. S.; Harwood, R. S.; Mote, P. W.; Peckham, G. E.; Suttie, R. A.; Lahoz, W. A.; O'Neill, A.; Froidevaux, L.; Jarnot, R. F.; Read, W. G.

    1995-01-01

    The lower stratospheric variability of equatorial water vapor, measured by the Microwave Limb Sounder (MLS), follows an annual cycle modulated by the quasi-biennial oscillation. At levels higher in the stratosphere, water vapor measurements exhibit a semi-annual oscillatory signal with the largest amplitudes at 2.2 and 1hPa. Zonal-mean cross sections of MLS water vapor are consistent with previous satellite measurements from the limb infrared monitor of the stratosphere (LIMS) and the stratospheric Aerosol and Gas Experiment 2 (SAGE 2) instruments in that they show water vapor increasing upwards and the polewards from a well defined minimum in the tropics. The minimum values vary in height between the retrieved 46 and 22hPa pressure levels.

  9. Nonlinear bias analysis and correction of microwave temperature sounder observations for FY-3C meteorological satellite

    Science.gov (United States)

    Hu, Taiyang; Lv, Rongchuan; Jin, Xu; Li, Hao; Chen, Wenxin

    2018-01-01

    The nonlinear bias analysis and correction of receiving channels in Chinese FY-3C meteorological satellite Microwave Temperature Sounder (MWTS) is a key technology of data assimilation for satellite radiance data. The thermal-vacuum chamber calibration data acquired from the MWTS can be analyzed to evaluate the instrument performance, including radiometric temperature sensitivity, channel nonlinearity and calibration accuracy. Especially, the nonlinearity parameters due to imperfect square-law detectors will be calculated from calibration data and further used to correct the nonlinear bias contributions of microwave receiving channels. Based upon the operational principles and thermalvacuum chamber calibration procedures of MWTS, this paper mainly focuses on the nonlinear bias analysis and correction methods for improving the calibration accuracy of the important instrument onboard FY-3C meteorological satellite, from the perspective of theoretical and experimental studies. Furthermore, a series of original results are presented to demonstrate the feasibility and significance of the methods.

  10. The Impact of Upper Tropospheric Humidity from Microwave Limb Sounder on the Midlatitude Greenhouse Effect

    Science.gov (United States)

    Hu, Hua; Liu, W. Timothy

    1998-01-01

    This paper presents an analysis of upper tropospheric humidity, as measured by the Microwave Limb Sounder, and the impact of the humidity on the greenhouse effect in the midlatitudes. Enhanced upper tropospheric humidity and an enhanced greenhouse effect occur over the storm tracks in the North Pacific and North Atlantic. In these areas, strong baroclinic activity and the large number of deep convective clouds transport more water vapor to the upper troposphere, and hence increase greenhouse trapping. The greenhouse effect increases with upper tropospheric humidity in areas with a moist upper troposphere (such as areas over storm tracks), but it is not sensitive to changes in upper tropospheric humidity in regions with a dry upper troposphere, clearly demonstrating that there are different mechanisms controlling the geographical distribution of the greenhouse effect in the midlatitudes.

  11. Navigation Signal Disturbances by Multipath Propagation - Scaled Measurements with a Universal Channel Sounder Architecture

    Science.gov (United States)

    Geise, Robert; Neubauer, Bjoern; Zimmer, Georg

    2015-11-01

    The performance of navigation systems is always reduced by unwanted multipath propagation. This is especially of practical importance for airborne navigation systems like the instrument landing system (ILS) or the VHF omni directional radio range (VOR). Nevertheless, the quantitative analysis of corresponding, potentially harmful multipath propagation disturbances is very difficult due to the large parameter space. Experimentally difficulties arise due to very expensive, real scale measurement campaigns and numerical simulation techniques still have shortcomings which are briefly discussed. In this contribution a new universal approach is introduced on how to measure very flexibly multipath propagation effects for arbitrary navigation systems using a channel sounder architecture in a scaled measurement environment. Two relevant scenarios of multipath propagation and the impact on navigation signals are presented. The first describes disturbances of the ILS due to large taxiing aircraft. The other example shows the influence of rotating wind turbines on the VOR.

  12. Preliminary Regional Analysis of the Kaguya Lunar Radar Sounder (LRS) Data through Eastern Mare Imbrium

    Science.gov (United States)

    Cooper, B.L.; Antonenko, I.; Yamaguchi, Y.; Osinski, G.; Ono, T.; Ku-mamoto, A.

    2009-01-01

    The Lunar Radar Sounder (LRS) experiment on board the Kaguya spacecraft is observing the subsurface structure of the Moon, using ground-penetrating radar operating in the frequency range of 5 MHz [1]. Because LRS data provides in-formation about lunar features below the surface, it allows us to improve our understanding of the processes that formed the Moon, and the post-formation changes that have occurred (such as basin formation and volcanism). We look at a swath of preliminary LRS data, that spans from 7 to 72 N, and from 2 to 10 W, passing through the eastern portion of Mare Imbrium (Figure 1). Using software, designed for the mineral exploration industry, we produce a preliminary, coarse 3D model, showing the regional structure beneath the study area. Future research will involve smaller subsets of the data in regions of interest, where finer structures, such as those identified in [2], can be studied.

  13. Toward a standard line for use in multibeam echo sounder calibration

    Science.gov (United States)

    Weber, Thomas C.; Rice, Glen; Smith, Michael

    2018-06-01

    A procedure is suggested in which a relative calibration for the intensity output of a multibeam echo sounder (MBES) can be performed. This procedure identifies a common survey line (i.e., a standard line), over which acoustic backscatter from the seafloor is collected with multiple MBES systems or by the same system multiple times. A location on the standard line which exhibits temporal stability in its seafloor backscatter response is used to bring the intensity output of the multiple MBES systems to a common reference. This relative calibration procedure has utility for MBES users wishing to generate an aggregate seafloor backscatter mosaic using multiple systems, revisiting an area to detect changes in substrate type, and comparing substrate types in the same general area but with different systems or different system settings. The calibration procedure is demonstrated using three different MBES systems over 3 different years in New Castle, NH, USA.

  14. Random drift versus selection in academic vocabulary: an evolutionary analysis of published keywords.

    Directory of Open Access Journals (Sweden)

    R Alexander Bentley

    Full Text Available The evolution of vocabulary in academic publishing is characterized via keyword frequencies recorded in the ISI Web of Science citations database. In four distinct case-studies, evolutionary analysis of keyword frequency change through time is compared to a model of random copying used as the null hypothesis, such that selection may be identified against it. The case studies from the physical sciences indicate greater selection in keyword choice than in the social sciences. Similar evolutionary analyses can be applied to a wide range of phenomena; wherever the popularity of multiple items through time has been recorded, as with web searches, or sales of popular music and books, for example.

  15. Random drift versus selection in academic vocabulary: an evolutionary analysis of published keywords.

    Science.gov (United States)

    Bentley, R Alexander

    2008-08-27

    The evolution of vocabulary in academic publishing is characterized via keyword frequencies recorded in the ISI Web of Science citations database. In four distinct case-studies, evolutionary analysis of keyword frequency change through time is compared to a model of random copying used as the null hypothesis, such that selection may be identified against it. The case studies from the physical sciences indicate greater selection in keyword choice than in the social sciences. Similar evolutionary analyses can be applied to a wide range of phenomena; wherever the popularity of multiple items through time has been recorded, as with web searches, or sales of popular music and books, for example.

  16. Title, Description, and Subject are the Most Important Metadata Fields for Keyword Discoverability

    Directory of Open Access Journals (Sweden)

    Laura Costello

    2016-09-01

    Full Text Available A Review of: Yang, L. (2016. Metadata effectiveness in internet discovery: An analysis of digital collection metadata elements and internet search engine keywords. College & Research Libraries, 77(1, 7-19. http://doi.org/10.5860/crl.77.1.7 Objective – To determine which metadata elements best facilitate discovery of digital collections. Design – Case study. Setting – A public research university serving over 32,000 graduate and undergraduate students in the Southwestern United States of America. Subjects – A sample of 22,559 keyword searches leading to the institution’s digital repository between August 1, 2013, and July 31, 2014. Methods – The author used Google Analytics to analyze 73,341 visits to the institution’s digital repository. He determined that 22,559 of these visits were due to keyword searches. Using Random Integer Generator, the author identified a random sample of 378 keyword searches. The author then matched the keywords with the Dublin Core and VRA Core metadata elements on the landing page in the digital repository to determine which metadata field had drawn the keyword searcher to that particular page. Many of these keywords matched to more than one metadata field, so the author also analyzed the metadata elements that generated unique keyword hits and those fields that were frequently matched together. Main Results – Title was the most matched metadata field with 279 matched keywords from searches. Description and Subject were also significant fields with 208 and 79 matches respectively. Slightly more than half of the results, 195 keywords, matched the institutional repository in one field only. Both Title and Description had significant match rates both independently and in conjunction with other elements, but Subject keywords were the sole match in only three of the sampled cases. Conclusion – The Dublin Core elements of Title, Description, and Subject were the most frequently matched fields in keyword

  17. Using the weighted keyword model to improve information retrieval for answering biomedical questions.

    Science.gov (United States)

    Yu, Hong; Cao, Yong-Gang

    2009-03-01

    Physicians ask many complex questions during the patient encounter. Information retrieval systems that can provide immediate and relevant answers to these questions can be invaluable aids to the practice of evidence-based medicine. In this study, we first automatically identify topic keywords from ad hoc clinical questions with a Condition Random Field model that is trained over thousands of manually annotated clinical questions. We then report on a linear model that assigns query weights based on their automatically identified semantic roles: topic keywords, domain specific terms, and their synonyms. Our evaluation shows that this weighted keyword model improves information retrieval from the Text Retrieval Conference Genomics track data.

  18. Annual variation in Internet keyword searches: Linking dieting interest to obesity and negative health outcomes.

    Science.gov (United States)

    Markey, Patrick M; Markey, Charlotte N

    2013-07-01

    This study investigated the annual variation in Internet searches regarding dieting. Time-series analysis was first used to examine the annual trends of Google keyword searches during the past 7 years for topics related to dieting within the United States. The results indicated that keyword searches for dieting fit a consistent 12-month linear model, peaking in January (following New Year's Eve) and then linearly decreasing until surging again the following January. Additional state-level analyses revealed that the size of the December-January dieting-related keyword surge was predictive of both obesity and mortality rates due to diabetes, heart disease, and stroke.

  19. Does the good matter? Evidence on moral hazard and adverse selection from consumer credit market

    Czech Academy of Sciences Publication Activity Database

    Bičáková, Alena

    2007-01-01

    Roč. 66, č. 1 (2007), s. 29-65 ISSN 0017-0097 Institutional research plan: CEZ:AV0Z70850503 Keywords : consumer credit * adverse selection * moral hazard Subject RIV: AH - Economics http://giornaledeglieconomisti.unibocconi.it/on-line/Home/Volumes/artCat2007.11.1.10.2.html

  20. Credit shocks in the financial deregulatory era: not the usual suspects

    Czech Academy of Sciences Publication Activity Database

    Benk, S.; Gillman, M.; Kejak, Michal

    -, E2005/13 (2005), s. 1-28 ISSN 1749-6101 Institutional research plan: CEZ:AV0Z70850503 Keywords : business cycle * credit shocks * financial deregulation Subject RIV: AH - Economics http://www.cardiff.ac.uk/carbs/econ/workingpapers/papers/2005_13.pdf

  1. Default predictors in retail credit scoring: evidence from Czech banking data

    Czech Academy of Sciences Publication Activity Database

    Kočenda, Evžen; Vojtek, M.

    2011-01-01

    Roč. 47, č. 6 (2011), s. 80-98 ISSN 1540-496X R&D Projects: GA ČR GA402/09/1595; GA MŠk LC542 Institutional research plan: CEZ:MSM0021620846 Keywords : banking sector * credit scoring * discrimination analysis Subject RIV: AH - Economics Impact factor: 0.953, year: 2011

  2. Effects of trust fund model credit intervention on welfare of farmers ...

    African Journals Online (AJOL)

    ... recommended that the administrative bottlenecks associated with fund release and processing of interest drawback be addressed. Also, amount loanable should be increased, while condition of collateral counterpart funding be relaxed. Keywords: Agricultural credit, Per capital expenditure, Core poor, Household welfare ...

  3. Real Implications of Bursting Asset Price Bubbles in Economies with Bank Credit

    Czech Academy of Sciences Publication Activity Database

    Derviz, Alexis

    2011-01-01

    Roč. 61, č. 1 (2011), s. 92-116 ISSN 0015-1920 Institutional research plan: CEZ:AV0Z10750506 Keywords : bank * credit * asset price * bubble * macroprudential policy Subject RIV: AH - Economics Impact factor: 0.346, year: 2011

  4. Investment, credit rationing, and the soft budget constraint: evidence from Czech panel data

    Czech Academy of Sciences Publication Activity Database

    Lízal, Lubomír; Švejnar, Jan

    2002-01-01

    Roč. 84, č. 2 (2002), s. 353-370 ISSN 0034-6535 R&D Projects: GA AV ČR KSK9058117 Institutional research plan: CEZ:AV0Z7085904 Keywords : investments * credit * rationing Subject RIV: AH - Economics Impact factor: 1.085, year: 2002

  5. Welfare effects of housing price appreciation in an economy with binding credit constraints

    Czech Academy of Sciences Publication Activity Database

    Tsharakyan, Ashot

    -, č. 333 (2007), s. 1-53 ISSN 1211-3298 R&D Projects: GA MŠk LC542 Institutional research plan: CEZ:AV0Z70850503 Keywords : housing price appreciation * aggregate welfare * binding credit constraints Subject RIV: AH - Economics http://www.cerge-ei.cz/pdf/wp/Wp333.pdf

  6. Does bank competition reduce cost of credit? Cross-country evidence from Europe

    Czech Academy of Sciences Publication Activity Database

    Fungáčová, Z.; Shamshur, Anastasiya; Weill, L.

    2017-01-01

    Roč. 83, October (2017), s. 104-120 ISSN 0378-4266 R&D Projects: GA ČR(CZ) GA14-31783S Institutional support: RVO:67985998 Keywords : bank competition * bank concentration * cost of credit Subject RIV: AH - Economics OBOR OECD: Finance Impact factor: 1.776, year: 2016

  7. Money velocity in an endogenous growth business cycle with credit shocks

    Czech Academy of Sciences Publication Activity Database

    Benk, S.; Gillman, M.; Kejak, Michal

    -, E2007/14 (2007), s. 1-16 ISSN 1749-6101 Institutional research plan: CEZ:MSM0021620846 Keywords : money velocity * business cycle * credit shocks Subject RIV: AH - Economics http://www.cf.ac.uk/carbs/econ/workingpapers/papers/E2007_14.pdf

  8. Money velocity in an endogenous growth business cycle with credit shocks

    Czech Academy of Sciences Publication Activity Database

    Benk, S.; Gillman, M.; Kejak, Michal

    2008-01-01

    Roč. 40, č. 6 (2008), s. 1281-1293 ISSN 0022-2879 R&D Projects: GA MŠk LC542 Institutional research plan: CEZ:AV0Z70850503 Keywords : money velocity * business cycle * credit shocks Subject RIV: AH - Economics Impact factor: 1.422, year: 2008

  9. Money velocity in an endogenous growth business cycle with credit shocks

    Czech Academy of Sciences Publication Activity Database

    Benk, S.; Gillman, M.; Kejak, Michal

    -, 2007/5 (2007), s. 1-17 ISSN 1585-5600 R&D Projects: GA MŠk LC542 Institutional research plan: CEZ:MSM0021620846 Keywords : money velocity * business cycle * credit shocks Subject RIV: AH - Economics http://www.mnb.hu/Root/Dokumentumtar/MNB/Kiadvanyok/mnbhu_mnbfuzetek/WP_2007_5.pdf

  10. Characteristics of monsoon inversions over the Arabian Sea observed by satellite sounder and reanalysis data sets

    Directory of Open Access Journals (Sweden)

    S. Dwivedi

    2016-04-01

    Full Text Available Monsoon inversion (MI over the Arabian Sea (AS is one of the important characteristics associated with the monsoon activity over Indian region during summer monsoon season. In the present study, we have used 5 years (2009–2013 of temperature and water vapour measurement data obtained from satellite sounder instrument, an Infrared Atmospheric Sounding Interferometer (IASI onboard MetOp satellite, in addition to ERA-Interim data, to study their characteristics. The lower atmospheric data over the AS have been examined first to identify the areas where MIs are predominant and occur with higher strength. Based on this information, a detailed study has been made to investigate their characteristics separately in the eastern AS (EAS and western AS (WAS to examine their contrasting features. The initiation and dissipation times of MIs, their percentage occurrence, strength, etc., has been examined using the huge database. The relation with monsoon activity (rainfall over Indian region during normal and poor monsoon years is also studied. WAS ΔT values are  ∼  2 K less than those over the EAS, ΔT being the temperature difference between 950 and 850 hPa. A much larger contrast between the WAS and EAS in ΔT is noticed in ERA-Interim data set vis-à-vis those observed by satellites. The possibility of detecting MI from another parameter, refractivity N, obtained directly from another satellite constellation of GPS Radio Occultation (RO (COSMIC, has also been examined. MI detected from IASI and Atmospheric Infrared Sounder (AIRS onboard the NOAA satellite have been compared to see how far the two data sets can be combined to study the MI characteristics. We suggest MI could also be included as one of the semipermanent features of southwest monsoon along with the presently accepted six parameters.

  11. Carbon Monoxide Distribution over Peninsular Malaysia from the Atmospheric Infrared Sounder (AIRS)

    Science.gov (United States)

    Rajab, Jaso M.; MatJafri, M. Z.; Lim, H. S.; Abdullah, K.

    2009-07-01

    The Atmospheric Infrared Sounder (AIRS) onboard NASA's Aqua satellite. It daily coverage of ˜70% of the planet represents a significant evolutionary advance in satellite traces gas remote sensing. AIRS, the part of a large international investment to upgrade the operational meteorological satellite systems, is first of the new generation of meteorological advanced sounders for operational and research use, Providing New Insights into Weather and Climate for the 21st Century. Carbon monoxide (CO) is a ubiquitous, an indoor and outdoor air pollutant, is not a significant greenhouse gas as it absorbs little infrared radiation from the Earth. However, it does have an influence on oxidization in the atmosphere through interaction with hydroxyl radicals (OH), which also react with methane, halocarbons and tropospheric ozone. It produced by the incomplete combustion of fossil fuels and biomass burning, and that it has a role as a smog. The aim of this investigation is to study the (CO) carbon monoxide distribution over Peninsular Malaysia. The land use map of the Peninsular Malaysia was conducted by using CO total column amount, obtained from AIRS data, the map & data was processed and analyzed by using Photoshop & SigmaPlot 11.0 programs and compared for timing of various (day time) (28 August 2005 & 29 August 2007) for both direct comparison and the comparison using the same a priori profile, the CO concentrations in 28/8/2005 higher. The CO maps were generated using Kriging Interpolation technique. This interpolation technique produced high correlation coefficient, R2 and low root mean square error, RMS for CO. This study provided useful information for influence change of CO concentration on varies temperature.

  12. Automatic detection of subglacial lakes in radar sounder data acquired in Antarctica

    Science.gov (United States)

    Ilisei, Ana-Maria; Khodadadzadeh, Mahdi; Dalsasso, Emanuele; Bruzzone, Lorenzo

    2017-10-01

    Subglacial lakes decouple the ice sheet from the underlying bedrock, thus facilitating the sliding of the ice masses towards the borders of the continents, consequently raising the sea level. This motivated increasing attention in the detection of subglacial lakes. So far, about 70% of the total number of subglacial lakes in Antarctica have been detected by analysing radargrams acquired by radar sounder (RS) instruments. Although the amount of radargrams is expected to drastically increase, from both airborne and possible future Earth observation RS missions, currently the main approach to the detection of subglacial lakes in radargrams is by visual interpretation. This approach is subjective and extremely time consuming, thus difficult to apply to a large amount of radargrams. In order to address the limitations of the visual interpretation and to assist glaciologists in better understanding the relationship between the subglacial environment and the climate system, in this paper, we propose a technique for the automatic detection of subglacial lakes. The main contribution of the proposed technique is the extraction of features for discriminating between lake and non-lake basal interfaces. In particular, we propose the extraction of features that locally capture the topography of the basal interface, the shape and the correlation of the basal waveforms. Then, the extracted features are given as input to a supervised binary classifier based on Support Vector Machine to perform the automatic subglacial lake detection. The effectiveness of the proposed method is proven both quantitatively and qualitatively by applying it to a large dataset acquired in East Antarctica by the MultiChannel Coherent Radar Depth Sounder.

  13. A global climatology of stratospheric gravity waves from Atmospheric Infrared Sounder observations

    Science.gov (United States)

    Hoffmann, Lars; Xue, Xianghui; Alexander, M. Joan

    2014-05-01

    We present the results of a new study that aims on the detection and classification of `hotspots' of stratospheric gravity waves on a global scale. The analysis is based on a nine-year record (2003 to 2011) of radiance measurements by the Atmospheric Infrared Sounder (AIRS) aboard NASA's Aqua satellite. We detect the presence of stratospheric gravity waves based on 4.3 micron brightness temperature variances. Our method is optimized for peak events, i.e., strong gravity wave events for which the local variance considerably exceeds background levels. We estimated the occurrence frequencies of these peak events for different seasons and time of day and used the results to find local maxima of gravity wave activity. In addition, we use AIRS radiances at 8.1 micron to simultaneously detect convective events, including deep convection in the tropics and mesoscale convective systems at mid latitudes. We classified the gravity waves according to their sources, based on seasonal occurrence frequencies for convection and by means of topographic data. Our study reproduces well-known hotspots of gravity waves, e.g., the mountain wave hotspots at the Andes and the Antarctic Peninsula or the convective hotspot during the thunderstorm season over the North American Great Plains. However, the high horizontal resolution of the AIRS observations also helped us to locate several smaller hotspots, which were partly unknown or poorly studied so far. Most of these smaller hotspots are found near orographic features like small mountain ranges, in coastal regions, in desert areas, or near isolated islands. This new study will help to select the most promising regions and seasons for future observational studies of gravity waves. Reference: Hoffmann, L., X. Xue, and M. J. Alexander, A global view of stratospheric gravity wave hotspots located with Atmospheric Infrared Sounder observations, J. Geophys. Res., 118, 416-434, doi:10.1029/2012JD018658, 2013.

  14. Credit Supply and Corporate Innovation

    DEFF Research Database (Denmark)

    Amore, Mario Daniele; Schneider, Cédric; Zaldokas, Alminas

    We present evidence that banking development plays a key role in technological progress. We focus on firms’ innovative performance, measured by patent-based metrics, and employ exogenous variations in banking development arising from the staggered deregulation of banking activities across U.S. st...... by a greater ability of deregulated banks to geographically diversify credit risk....

  15. Methodology of Credit Analysis Development

    Directory of Open Access Journals (Sweden)

    Slađana Neogradi

    2017-12-01

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

  16. Credit rating dynamics and competition

    DEFF Research Database (Denmark)

    Hirth, Stefan

    2014-01-01

    I analyze the market for credit ratings with competition between more than two rating agencies. How can honest rating behavior be achieved, and under which conditions can a new honest rating agency successfully invade a market with inflating incumbents? My model predicts cyclic dynamics...

  17. Credit Derivatives and Loan Pricing

    NARCIS (Netherlands)

    Norden, L.; Wagner, W.B.

    2007-01-01

    This paper examines the relationship between the new markets for credit default swaps (CDS) and the pricing of syndicated loans to U.S. corporates. We find that changes in CDS spreads have a significantly positive coefficient and explain about 25% of subsequent monthly changes in aggregate loan

  18. Insurability of export credit risks

    NARCIS (Netherlands)

    Alsem, K.J.; Antufjew, J.; Huizingh, K.R.E.; Koning, Ruud H.; Sterken, E.; Woltil, M.

    2003-01-01

    Firms exporting their goods and services abroad face risks that are different from the risks faced by firms who do not engage in international trade. It is common practice to allow the receiving party to pay in instalments. The exporting firm faces credit risk, but as in most countries, Dutch firms

  19. Brownfields New Markets Tax Credits

    Science.gov (United States)

    This Brownfi elds Solutions factsheet is intended for brownfields stakeholders interested in how the U.S. Department of the Treasury’s New Markets Tax Credit (NMTC) Program can be used as a financing mechanism in brownfields cleanup and redevelopment.

  20. A Mechanism for Anonymous Credit Card Systems

    Science.gov (United States)

    Tamura, Shinsuke; Yanase, Tatsuro

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

  1. Credit Card Debt Hardship Letter Samples

    OpenAIRE

    lissa coffey

    2016-01-01

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

  2. Efficient secure-channel free public key encryption with keyword search for EMRs in cloud storage.

    Science.gov (United States)

    Guo, Lifeng; Yau, Wei-Chuen

    2015-02-01

    Searchable encryption is an important cryptographic primitive that enables privacy-preserving keyword search on encrypted electronic medical records (EMRs) in cloud storage. Efficiency of such searchable encryption in a medical cloud storage system is very crucial as it involves client platforms such as smartphones or tablets that only have constrained computing power and resources. In this paper, we propose an efficient secure-channel free public key encryption with keyword search (SCF-PEKS) scheme that is proven secure in the standard model. We show that our SCF-PEKS scheme is not only secure against chosen keyword and ciphertext attacks (IND-SCF-CKCA), but also secure against keyword guessing attacks (IND-KGA). Furthermore, our proposed scheme is more efficient than other recent SCF-PEKS schemes in the literature.

  3. Where am I? Location archetype keyword extraction from urban mobility patterns.

    Directory of Open Access Journals (Sweden)

    Vassilis Kostakos

    Full Text Available Can online behaviour be used as a proxy for studying urban mobility? The increasing availability of digital mobility traces has provided new insights into collective human behaviour. Mobility datasets have been shown to be an accurate proxy for daily behaviour and social patterns, and behavioural data from Twitter has been used to predict real world phenomena such as cinema ticket sale volumes, stock prices, and disease outbreaks. In this paper we correlate city-scale urban traffic patterns with online search trends to uncover keywords describing the pedestrian traffic location. By analysing a 3-year mobility dataset we show that our approach, called Location Archetype Keyword Extraction (LAKE, is capable of uncovering semantically relevant keywords for describing a location. Our findings demonstrate an overarching relationship between online and offline collective behaviour, and allow for advancing analysis of community-level behaviour by using online search keywords as a practical behaviour proxy.

  4. Book Review: Revolutionary Keywords for A New Left by Ian Parker

    Directory of Open Access Journals (Sweden)

    Eyal Z Clyne

    2018-01-01

    Full Text Available Eyal Clyne reviews Ian Parker's "Revolutionary Keywords for A New Left" (Winchester and Washington: Zero books ISBN: 978-1-78535-642-1, a book that unlocks complex Left-struggle issues in short and accessible essays.

  5. Where am I? Location archetype keyword extraction from urban mobility patterns.

    Science.gov (United States)

    Kostakos, Vassilis; Juntunen, Tomi; Goncalves, Jorge; Hosio, Simo; Ojala, Timo

    2013-01-01

    Can online behaviour be used as a proxy for studying urban mobility? The increasing availability of digital mobility traces has provided new insights into collective human behaviour. Mobility datasets have been shown to be an accurate proxy for daily behaviour and social patterns, and behavioural data from Twitter has been used to predict real world phenomena such as cinema ticket sale volumes, stock prices, and disease outbreaks. In this paper we correlate city-scale urban traffic patterns with online search trends to uncover keywords describing the pedestrian traffic location. By analysing a 3-year mobility dataset we show that our approach, called Location Archetype Keyword Extraction (LAKE), is capable of uncovering semantically relevant keywords for describing a location. Our findings demonstrate an overarching relationship between online and offline collective behaviour, and allow for advancing analysis of community-level behaviour by using online search keywords as a practical behaviour proxy.

  6. Biweekly list of papers on radiation chemistry. Annual cumulation with keyword and author indexes. Volume 9

    International Nuclear Information System (INIS)

    1976-01-01

    The reference lists and indexes are generated from a computer-searchable bibliographic data base; an indexing program collects and alphabetizes authors' names and keywords and correlates them with reference numbers

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

    Directory of Open Access Journals (Sweden)

    Xin Song

    2017-03-01

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

  8. Effect of keywords assignment on secondary information processing and notice on their selection and description

    International Nuclear Information System (INIS)

    Mishima, Yoshitsugu; Oi, Shoichi; Ebinuma, Yukio.

    1976-01-01

    Completed are the observation and analysis which have been made on author-assigned keywords to his paper by the Special Committee on Nuclear Documentation in cooperation with the INIS National Center. The keywords must be the most suitable information items in principle for a brief representation of the paper. Each of the keywords is a title-augmentative term, capable of structuring a very short summary. Consequently, it may be possible to transfer them easily to descriptors in every secondary information system. Keywords cited in the two journals of the Atomic Energy Society of Japan are considerably effective in general to get a high quality of indexing and a subsequent high quality of information retrieval, because of both the indexing consistency of 66% and the hit retrieval consistency of 75% in the INIS. On the other hand, it is stressed that the keywords should be selected from the terms in title and abstract of the paper except for short notes. Resulting from the experience in checking of the keywords, a guideline for their selection and description are proposed over eight items on trial so that more adequate assignment can be uniformly attained by all authors concerned. (auth.)

  9. Comparing the Hierarchy of Keywords in On-Line News Portals.

    Science.gov (United States)

    Tibély, Gergely; Sousa-Rodrigues, David; Pollner, Péter; Palla, Gergely

    2016-01-01

    Hierarchical organization is prevalent in networks representing a wide range of systems in nature and society. An important example is given by the tag hierarchies extracted from large on-line data repositories such as scientific publication archives, file sharing portals, blogs, on-line news portals, etc. The tagging of the stored objects with informative keywords in such repositories has become very common, and in most cases the tags on a given item are free words chosen by the authors independently. Therefore, the relations among keywords appearing in an on-line data repository are unknown in general. However, in most cases the topics and concepts described by these keywords are forming a latent hierarchy, with the more general topics and categories at the top, and more specialized ones at the bottom. There are several algorithms available for deducing this hierarchy from the statistical features of the keywords. In the present work we apply a recent, co-occurrence-based tag hierarchy extraction method to sets of keywords obtained from four different on-line news portals. The resulting hierarchies show substantial differences not just in the topics rendered as important (being at the top of the hierarchy) or of less interest (categorized low in the hierarchy), but also in the underlying network structure. This reveals discrepancies between the plausible keyword association frameworks in the studied news portals.

  10. Comparing the Hierarchy of Keywords in On-Line News Portals.

    Directory of Open Access Journals (Sweden)

    Gergely Tibély

    Full Text Available Hierarchical organization is prevalent in networks representing a wide range of systems in nature and society. An important example is given by the tag hierarchies extracted from large on-line data repositories such as scientific publication archives, file sharing portals, blogs, on-line news portals, etc. The tagging of the stored objects with informative keywords in such repositories has become very common, and in most cases the tags on a given item are free words chosen by the authors independently. Therefore, the relations among keywords appearing in an on-line data repository are unknown in general. However, in most cases the topics and concepts described by these keywords are forming a latent hierarchy, with the more general topics and categories at the top, and more specialized ones at the bottom. There are several algorithms available for deducing this hierarchy from the statistical features of the keywords. In the present work we apply a recent, co-occurrence-based tag hierarchy extraction method to sets of keywords obtained from four different on-line news portals. The resulting hierarchies show substantial differences not just in the topics rendered as important (being at the top of the hierarchy or of less interest (categorized low in the hierarchy, but also in the underlying network structure. This reveals discrepancies between the plausible keyword association frameworks in the studied news portals.

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

    OpenAIRE

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

    1998-01-01

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

  12. British and American attitudes toward credit cards.

    Science.gov (United States)

    Yang, Bijou; James, Simon; Lester, David

    2006-04-01

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

  13. Portfolio Optimization for Multiple Group Credit Unions

    National Research Council Canada - National Science Library

    Willis, John

    1999-01-01

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

  14. Fish marketing and credit in Viet Nam

    National Research Council Canada - National Science Library

    Lem, Audun

    2004-01-01

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

  15. Automatic Decision Support for Clinical Diagnostic Literature Using Link Analysis in a Weighted Keyword Network.

    Science.gov (United States)

    Li, Shuqing; Sun, Ying; Soergel, Dagobert

    2017-12-23

    We present a novel approach to recommending articles from the medical literature that support clinical diagnostic decision-making, giving detailed descriptions of the associated ideas and principles. The specific goal is to retrieve biomedical articles that help answer questions of a specified type about a particular case. Based on the filtered keywords, MeSH(Medical Subject Headings) lexicon and the automatically extracted acronyms, the relationship between keywords and articles was built. The paper gives a detailed description of the process of by which keywords were measured and relevant articles identified based on link analysis in a weighted keywords network. Some important challenges identified in this study include the extraction of diagnosis-related keywords and a collection of valid sentences based on the keyword co-occurrence analysis and existing descriptions of symptoms. All data were taken from medical articles provided in the TREC (Text Retrieval Conference) clinical decision support track 2015. Ten standard topics and one demonstration topic were tested. In each case, a maximum of five articles with the highest relevance were returned. The total user satisfaction of 3.98 was 33% higher than average. The results also suggested that the smaller the number of results, the higher the average satisfaction. However, a few shortcomings were also revealed since medical literature recommendation for clinical diagnostic decision support is so complex a topic that it cannot be fully addressed through the semantic information carried solely by keywords in existing descriptions of symptoms. Nevertheless, the fact that these articles are actually relevant will no doubt inspire future research.

  16. Credit Risk Transfer and Crunches

    DEFF Research Database (Denmark)

    Wigan, Duncan

    2010-01-01

    Rather than in terms of the inevitable demise of a destabilising process of speculation, this article explores the ‘credit crunch’ as a window on the fabrication, and measure of the proportions of a political shift driven by market actors and financial innovation. The Basel process reconceptualised...... banks as risk navigators and generated a competitive hierarchy within the global banking industry determined on a gauge of this capacity. This private regulatory regime promoted market inflation and rendered institutional liquidity and risk transfer definitive of market power. In turn, a ballooning...... credit derivatives market broke the limits of financial production and defined state actions in the face of crisis. A shift from a central concern with solvency to that of liquidity thinly masks a profound redistribution of power from the public to the private. By swapping private assets of uncertain...

  17. KARAKTERISTIK PERUSAHAAN DAN CREDIT RISK

    Directory of Open Access Journals (Sweden)

    Erma Wahdani Permanasari

    2014-05-01

    Full Text Available The purpose of this study is to determine the effect of characteristic of firm to the level of creditrisk. Characteristics of the firm is proxied by size, leverage, spread ownership, net profit margin,return on equity, industry type and scope of the company’s operations. Measurement of level creditrisk uses PT Pefindo bond rating. Annual reports of listed companies in PT Pefindo and IndonesiaStock Exchange (IDX 2010-2011 are collected based on purposive sampling techniques. Thepopulation is 238 companies. Sample used amounted to 84 companies. The analysis model usedin this study is multiple linear regression. Results of this study indicate that the level of corporatecredit risk in Indonesia is high because it is below the 50.00%. The test result of multiple regressionshowed that firm of characteristic affect the level of credit risk. Firm characteristics that affectthe level of credit risk are size, leverage, dispersion of ownership, net profit margin and returnon equity.

  18. STATE CREDIT RATING MARK: PRESENT DOMESTIC REALITIES

    OpenAIRE

    Kovalko, N. M.

    2017-01-01

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

  19. Did Globalization Influence Credit Market Deregulation

    OpenAIRE

    Eppinger, Peter; Potrafke, Niklas

    2015-01-01

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

  20. Service quality in consumer's credit branch

    OpenAIRE

    Blechová, Věra

    2008-01-01

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

  1. Developing emission reduction credit trading in Texas

    International Nuclear Information System (INIS)

    Dodds, J.E.

    1993-01-01

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

  2. Credits

    Directory of Open Access Journals (Sweden)

    - -

    2013-07-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges BastosEditora-Chefe Inez Barcellos de Andrade Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da SilvaHelvia Pereira Pinto BastosJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Organizadores deste númeroMaria Inês Paes FerreiraJader Lugon JuniorLuiz de Pinedo Quinto JúniorBolsista de Iniciação CientíficaCamilla Cardoso da Costa Revisão de Língua Portuguesa e Inglesa Edson Carlos NascimentoIsabela Bastos de CarvalhoKissila Ferreira de SouzaPriscila Matos MonkenRosângela Caldas Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Cláudia Marcia Alves FerreiraFernando Prado de Matos BettencourtMariana de Almeida Reis CapaAndré da Silva Cruz Revisão Técnica e Catalogação Inez Barcellos de Andrade Dados de Catalogação na Publicação (CIP B688      Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2011 - .- Campos dos Goytacazes (RJ: Essentia Editora,2011- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplares Impressão: Meneghitti's Gráfica e Editora Ltda. | Tel.: (21 2136-6999

  3. Credits

    Directory of Open Access Journals (Sweden)

    . .

    2015-02-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia FluminenseReitorLuiz Augusto Caldas PereiraPró-Reitor de EnsinoCarlos Márcio LimaPró-Reitor de Pesquisa e InovaçãoJosé Augusto Ferreira da SilvaPró-Reitora de ExtensãoPaula Aparecida Martins Borges BastosPró-Reitora de Desenvolvimento InstitucionalAna Lúcia CampinhoCoordenadora da Essentia EditoraKíssila da Conceição RibeiroConselho EditorialConselho ConsultivoDesiely Silva GusmãoEdinalda Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoKíssila da Conceição RibeiroLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes NeyAdalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFFEquipe EditorialRevisão de Língua PortuguesaEdson Carlos NascimentoDenise Rena HaddadRevisão de Língua InglesaHélvia Pereira Pinto BastosCapa, Projeto GráficoAndré da Silva CruzDiagramaçãoCláudia Marcia Alves FerreiraCatalogação e Revisão TécnicaHenrique Barreiros AlvesLogotipoMarcos Antonio Esquef MacielDados de Catalogação na Publicação (CIPV567 Vértices / Instituto Federal de Educação, Ciência e Tecnologia Fluminense. -Vol.1, n. 1 (dez. 1997 - . - Campos dos Goytacazes (RJ: EssentiaEditora, 1997-QuadrimestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia -IF Fluminense a partir de jan.2009.ISSN 1415-2843 (versão impressaISSN 1809-2667 (versão eletrônica1. Educação - Periódicos. I. Instituto Federal de Educação, Ciênciae Tecnologia Fluminense.CDD - 370.5Revista Indexada em:Instituto Brasileiro em Ciência e Tecnologia/Sistema de Editoração Eletrônico de Revistas (IBICT/SEERSistema Regional de Información en Línea para Revistas Científicasde América Latina, el Caribe, Espanã y Portugal (LATINDEXDirectory Open Access Journals (DOAJRevista filiada à:Associação Brasileira de Editores CientíficosTiragem: 1000 exemplaresImpressão: Globalprint Editora Gráfica LTDA-ME. | Tel.: (31 3198-1100A revista Vértices é uma publicação científica do Instituto Federal de Educação, Ciência e Tecnologia Fluminense.Os artigos assinados são de responsabilidade exclusiva dos autores e não expressam, necessariamente, a opinião do Conselho Editorial.É permitida a reprodução total ou parcial dos artigos desta revista, desde que citada a fonte.

  4. Credits

    Directory of Open Access Journals (Sweden)

    . .

    2015-05-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia FluminenseReitorLuiz Augusto Caldas PereiraPró-Reitor de EnsinoCarlos Márcio LimaPró-Reitor de Pesquisa e InovaçãoJosé Augusto Ferreira da SilvaPró-Reitora de ExtensãoPaula Aparecida Martins Borges BastosPró-Reitora de Desenvolvimento InstitucionalAna Lúcia CampinhoEditora-chefeKíssila da Conceição RibeiroConselho EditorialConselho ConsultivoDesiely Silva GusmãoEdinalda Maria Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoKíssila da Conceição RibeiroLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes NeyAdalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFFEquipe EditorialRevisão de Língua PortuguesaEdson Carlos NascimentoDenise Rena HaddadRevisão de Língua InglesaHélvia Pereira Pinto BastosCapa, Projeto GráficoAndré da Silva CruzDiagramaçãoCláudia Marcia Alves FerreiraCatalogação e Revisão TécnicaHenrique Barreiros AlvesLogotipoMarcos Antonio Esquef MacielDados de Catalogação na Publicação (CIPV567 Vértices / Instituto Federal de Educação, Ciência e Tecnologia Fluminense. -Vol.1, n. 1 (dez. 1997 - . - Campos dos Goytacazes (RJ: EssentiaEditora, 1997-QuadrimestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia -IF Fluminense a partir de jan.2009.ISSN 1415-2843 (versão impressaISSN 1809-2667 (versão eletrônica1. Educação - Periódicos. I. Instituto Federal de Educação, Ciênciae Tecnologia Fluminense.CDD - 370.5Revista Indexada em:Instituto Brasileiro em Ciência e Tecnologia/Sistema de Editoração Eletrônico de Revistas (IBICT/SEERSistema Regional de Información en Línea para Revistas Científicasde América Latina, el Caribe, Espanã y Portugal (LATINDEXDirectory Open Access Journals (DOAJRevista filiada à:Associação Brasileira de Editores CientíficosTiragem: 1000 exemplaresImpressão: Globalprint Editora Gráfica LTDA-ME. | Tel.: (31 3198-1100A revista Vértices é uma publicação científica do Instituto Federal de Educação, Ciência e Tecnologia Fluminense.Os artigos assinados são de responsabilidade exclusiva dos autores e não expressam, necessariamente, a opinião do Conselho Editorial.É permitida a reprodução total ou parcial dos artigos desta revista, desde que citada a fonte.

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    2010-05-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitora Cibele Daher Botelho Monteiro Pró-Reitora de Ensino Fabíola de Amério Ney Silva Pró-Reitor de Pesquisa e Inovação Hélio Gomes Filho Pró-Reitor de Extensão Eugênio Ferreira Naegele da Silva Pró-Reitor de Desenvolvimento Institucional Roberto Moraes Pessanha Editora-chefe Inez Barcellos de AndradeCoordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Desiely Silva GusmãoEdinalda Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Apoio TécnicoCarlos David PascoDenia Cristina da Silva BarretoGisele Carvalho da Silva Costa Nogueira Bolsista de Iniciação CientíficaJáder da Mota SiqueiraJúlio Fontoura Gonçalves de LimaSamara Melo RodriguesWanessa Alves Duarte Revisão de Texto Edinalda Maria Almeida da SilvaVania Cristina Alexandrino Bernardo Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Diego Melo Gomes CapaAndré da Silva Cruz Revisão Técnica Inez Barcellos de Andrade CopidesqueCláudia de Souza CaetanoCatalogação Inez Barcellos de Andrade Dados de Catalogação na Publicação (CIPB688 Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2007 - .- Campos dos Goytacazes (RJ: Essentia Editora,2007- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Borzan Indústria Gráfica | Tel.: (22 3211-9274

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    Directory of Open Access Journals (Sweden)

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    2014-08-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges Bastos Pró-Reitora de Desenvolvimento Institucional Ana Lúcia Campinho Coordenadora da Essentia Editora Kíssila da Conceição Ribeiro Conselho Editorial Conselho Consultivo Desiely Silva GusmãoEdinalda Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Equipe Editorial Revisão de Língua Portuguesa Edson Carlos NascimentoIsabela Bastos de CarvalhoKíssila Ferreira de SouzaPriscila Matos MonkenRosângela Caldas Revisão de Língua Inglesa Hélvia Pereira Pinto Bastos Capa, Projeto Gráfico André da Silva Cruz Diagramação Cláudia Marcia Alves FerreiraMariana de Almeida Reis Revisão Técnica e Catalogação Inez Barcellos de Andrade Logotipo Marcos Antonio Esquef Maciel Dados de Catalogação na Publicação (CIP V567 Vértices / Instituto Federal de Educação, Ciência e Tecnologia Fluminense. -Vol.1, n. 1 (dez. 1997 - . - Campos dos Goytacazes (RJ: EssentiaEditora, 1997- QuadrimestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia -IF Fluminense a partir de jan.2009. ISSN 1415-2843 (versão impressaISSN 1809-2667 (versão eletrônica 1. Educação - Periódicos. I. Instituto Federal de Educação, Ciênciae Tecnologia Fluminense. CDD - 370.5 Revista Indexada em: Instituto Brasileiro em Ciência e Tecnologia/Sistema de Editoração Eletrônico de Revistas (IBICT/SEER Sistema Regional de Información en Línea para Revistas Científicasde América Latina, el Caribe, Espanã y Portugal (LATINDEX Directory Open Access Journals (DOAJ Revista filiada à: Associação Brasileira de Editores Científicos Tiragem: 1000 exemplaresImpressão: Impressoart Editora Gráfica Ltda. | Tel.: (41 3348-2728 A revista Vértices é uma publicação científica do Instituto Federal de Educação, Ciência e Tecnologia Fluminense. Os artigos assinados são de responsabilidade exclusiva dos autores e não expressam, necessariamente, a opinião do Conselho Editorial. É permitida a reprodução total ou parcial dos artigos desta revista, desde que citada a fonte.

  7. Credits

    Directory of Open Access Journals (Sweden)

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    2010-05-01

    Full Text Available Diretora Geral Cibele Daher Botelho Monteiro Vice-Diretora Geral Jefferson Manhães de Azevedo Coordenadora de Pós-Graduação Vera Raimunda Amério Asseff Coordenador de Pesquisa Rogério Atem de Carvalho Editora-Chefe Maria Amelia Ayd Correa Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Dalila Silva MelloMarcos Antonio Cruz MoreiraRoberta de Sousa RamalhoVicente de Paulo Santos de Oliveira Organizadores deste número Maria Inês Paes FerreiraMariana Rodrigues de Carvalhaes PinheiroTathiana Chaves de Souza Apoio Técnico Gisele Carvalho da Silva Costa NogueiraCarlos David Pasco Bolsistas de Iniciação Científica Felipe Eliakim SilvaSamara Melo Rodrigues Revisão de Texto Edinalda Maria Almeida da Silva Projeto Gráfico André da Silva CruzDaniel Marques Sardinha Diagramação Daniel Marques Sardinha Capa Daniel Marques Sardinha Revisão Técnica Flávia Gomes de Abreu SiqueiraVanessa Vasconcelos Lopes Assistente de Editoração Cláudia de Souza Caetano Catalogação Antonio Soares das Chagas Filho Dados de Catalogação na Publicação (CIP Boletim do Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 2, n. 1 (jan./jun. 2008. Centro Federal de Educação Tecnológicade Campos. Observatório Ambiental Alberto Ribeiro Lamego.Campos dos Goytacazes, RJ: Essentia Editora, 2008 - v. : il. 14 cm. SemestralISSN 1981-6197 1. Engenharia ambiental. I. Centro Federal de Educação Tecnológicade Campos. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Gráfica e Editora GSA | Tel.: (27 3232-1266

  8. Credits

    Directory of Open Access Journals (Sweden)

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    2013-01-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges BastosEditora-Chefe Inez Barcellos de Andrade Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da SilvaHelvia Pereira Pinto BastosJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Organizadores deste númeroMaria Inês Paes FerreiraJader Lugon JuniorLuiz de Pinedo Quinto JúniorLuiz Felipe Umbelino dos SantosBolsista de Iniciação CientíficaCamilla Cardoso da Costa Revisão de Língua Portuguesa e Inglesa Edson Carlos Nascimento Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Cláudia Marcia Alves FerreiraDiego Melo Gomes CapaAndré da Silva Cruz Revisão Técnica e Catalogação Inez Barcellos de Andrade CopidesqueEdson Carlos NascimentoDados de Catalogação na Publicação (CIP B688      Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2011 - .- Campos dos Goytacazes (RJ: Essentia Editora,2011- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Meneghitti's Gráfica e Editora Ltda. | Tel.: (21 2136-6999

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    2010-05-01

    Full Text Available Diretora Geral Cibele Daher Botelho Monteiro Vice-Diretora Geral Jefferson Manhães de Azevedo Coordenadora de Pós-Graduação Vera Raimunda Amério Asseff Coordenador de Pesquisa Rogério Atem de Carvalho Editora-Chefe Maria Amelia Ayd Correa Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Dalila Silva MelloMarcos Antonio Cruz MoreiraRoberta de Sousa RamalhoVicente de Paulo Santos de Oliveira Organizadores deste número Maria Inês Paes FerreiraMariana Rodrigues de Carvalhaes PinheiroTathiana Chaves de Souza Apoio Técnico Gisele Carvalho da Silva Costa NogueiraCarlos David Pasco Bolsistas de Iniciação Científica Felipe Eliakim SilvaSamara Melo Rodrigues Revisão de Texto Edinalda Maria Almeida da Silva Projeto Gráfico André da Silva CruzDaniel Marques Sardinha Diagramação Daniel Marques Sardinha Capa Daniel Marques SardinhaDiego Tavares Ventapane Lopes Revisão Técnica Flávia Gomes de Abreu SiqueiraVanessa Vasconcelos Lopes Assistente de Editoração Cláudia de Souza Caetano Catalogação Antonio Soares das Chagas Filho Dados de Catalogação na Publicação (CIP Boletim do Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, n. 2 (jul./dez. 2007. Centro Federal de Educação Tecnológicade Campos. Observatório Ambiental Alberto Ribeiro Lamego.Campos dos Goytacazes, RJ: Essentia Editora, 2007 - v. : il. 14 cm. SemestralISSN 1981-6197 1. Engenharia ambiental. I. Centro Federal de Educação Tecnológicade Campos. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: GSA Gráfica e Editora | Tel.: (27 3232-1266

  10. 75 FR 64785 - Corporate Credit Unions

    Science.gov (United States)

    2010-10-20

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

  11. 76 FR 24089 - Credit Risk Retention

    Science.gov (United States)

    2011-04-29

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

  12. 76 FR 34010 - Credit Risk Retention

    Science.gov (United States)

    2011-06-10

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

  13. Rare disasters, credit, and option market puzzles

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Du, Du; Elkamhi, Redouane

    2017-01-01

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

  14. Rare Disasters and Credit Market Puzzles

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Du, Du; Elkamhi, Redouane

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

  15. 76 FR 54991 - Corporate Credit Unions

    Science.gov (United States)

    2011-09-06

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

  16. Consumer Credit: Evidence from Italian Micro Data

    NARCIS (Netherlands)

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

    2005-01-01

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

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

    African Journals Online (AJOL)

    None

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

  18. 24 CFR 206.37 - Credit standing.

    Science.gov (United States)

    2010-04-01

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

  19. Credit in Acceptance Sampling on Attributes

    NARCIS (Netherlands)

    Klaassen, Chris A.J.

    2000-01-01

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

  20. 27 CFR 46.223 - Tax credit.

    Science.gov (United States)

    2010-04-01

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

  1. 48 CFR 2132.607 - Tax credit.

    Science.gov (United States)

    2010-10-01

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

  2. 48 CFR 1632.607 - Tax credit.

    Science.gov (United States)

    2010-10-01

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

  3. 40 CFR 91.1307 - Credit calculation.

    Science.gov (United States)

    2010-07-01

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

  4. 78 FR 25101 - Credit Ratings Roundtable

    Science.gov (United States)

    2013-04-29

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

  5. A keyword searchable attribute-based encryption scheme with attribute update for cloud storage.

    Science.gov (United States)

    Wang, Shangping; Ye, Jian; Zhang, Yaling

    2018-01-01

    Ciphertext-policy attribute-based encryption (CP-ABE) scheme is a new type of data encryption primitive, which is very suitable for data cloud storage for its fine-grained access control. Keyword-based searchable encryption scheme enables users to quickly find interesting data stored in the cloud server without revealing any information of the searched keywords. In this work, we provide a keyword searchable attribute-based encryption scheme with attribute update for cloud storage, which is a combination of attribute-based encryption scheme and keyword searchable encryption scheme. The new scheme supports the user's attribute update, especially in our new scheme when a user's attribute need to be updated, only the user's secret key related with the attribute need to be updated, while other user's secret key and the ciphertexts related with this attribute need not to be updated with the help of the cloud server. In addition, we outsource the operation with high computation cost to cloud server to reduce the user's computational burden. Moreover, our scheme is proven to be semantic security against chosen ciphertext-policy and chosen plaintext attack in the general bilinear group model. And our scheme is also proven to be semantic security against chosen keyword attack under bilinear Diffie-Hellman (BDH) assumption.

  6. Citation searches are more sensitive than keyword searches to identify studies using specific measurement instruments.

    Science.gov (United States)

    Linder, Suzanne K; Kamath, Geetanjali R; Pratt, Gregory F; Saraykar, Smita S; Volk, Robert J

    2015-04-01

    To compare the effectiveness of two search methods in identifying studies that used the Control Preferences Scale (CPS), a health care decision-making instrument commonly used in clinical settings. We searched the literature using two methods: (1) keyword searching using variations of "Control Preferences Scale" and (2) cited reference searching using two seminal CPS publications. We searched three bibliographic databases [PubMed, Scopus, and Web of Science (WOS)] and one full-text database (Google Scholar). We report precision and sensitivity as measures of effectiveness. Keyword searches in bibliographic databases yielded high average precision (90%) but low average sensitivity (16%). PubMed was the most precise, followed closely by Scopus and WOS. The Google Scholar keyword search had low precision (54%) but provided the highest sensitivity (70%). Cited reference searches in all databases yielded moderate sensitivity (45-54%), but precision ranged from 35% to 75% with Scopus being the most precise. Cited reference searches were more sensitive than keyword searches, making it a more comprehensive strategy to identify all studies that use a particular instrument. Keyword searches provide a quick way of finding some but not all relevant articles. Goals, time, and resources should dictate the combination of which methods and databases are used. Copyright © 2015 Elsevier Inc. All rights reserved.

  7. NOAA Climate Data Record (CDR) of Intersatellite Calibrated Clear-Sky High Resolution Infrared Radiation Sounder (HIRS) Channel 12 Brightness Temperature Version 3

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — The High-Resolution Infrared Radiation Sounder (HIRS) of intersatellite calibrated channel 12 brightness temperature (TB) product is a gridded global monthly time...

  8. Sound velocity from inverted echo sounders (IES) in the western Pacific Ocean from 1992-08-26 to 1993-03-22 (NODC Accession 9300159)

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — This accession contains inverted echo sounder data collected from two stations in the western Pacific, TPW nominally @ 2S and 154E and TPE nominally @ 2S and 164E....

  9. Effectiveness of monetary and macroprudential shocks on consumer credit growth and volatility in Turkey

    Directory of Open Access Journals (Sweden)

    Meltem Gulenay Chadwick

    2018-06-01

    Full Text Available This paper proposes a panel VAR model to uncover the effect of monetary policy and macroprudential tightening probability on general purpose loans, housing loans, vehicle loans, credit cards and their respective volatilities in Turkey. To conduct our analysis, first, we compare a number of stochastic volatility models using our loan and credit card series in a formal Bayesian model comparison exercise, in order to determine the best volatility model for our series. Second we disclose the latent probability of macroprudential tightening from the binary information of policy episodes, using an instrumental variable probit model estimated by conditional maximum likelihood with heteroscedasticity robust standard errors. Lastly we estimate the dynamic impact of monetary policy and macroprudential measures using a panel VAR, incorporating the latent probability of tightening episodes, credit growth, industrial production growth, loan rates, inflation and credit growth volatilities into the endogenous system of equations. We conclude that macroprudential tightening is effective in dampening credit growth, credit growth volatility and reducing consumer price inflation. Besides, this effect is more prominent when macroprudential tools are administered in coordination with monetary policy. Keywords: Consumer loans, Monetary policy, Macroprudential policy, Stochastic volatility models, Credit growth volatility, IV probit model, Panel VAR model, JEL classification: C54, E44, E52

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

    Science.gov (United States)

    Prasuhn, Frederick Carl

    2014-01-01

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

  11. Keyword Query Expansion Paradigm Based on Recommendation and Interpretation in Relational Databases

    Directory of Open Access Journals (Sweden)

    Yingqi Wang

    2017-01-01

    Full Text Available Due to the ambiguity and impreciseness of keyword query in relational databases, the research on keyword query expansion has attracted wide attention. Existing query expansion methods expose users’ query intention to a certain extent, but most of them cannot balance the precision and recall. To address this problem, a novel two-step query expansion approach is proposed based on query recommendation and query interpretation. First, a probabilistic recommendation algorithm is put forward by constructing a term similarity matrix and Viterbi model. Second, by using the translation algorithm of triples and construction algorithm of query subgraphs, query keywords are translated to query subgraphs with structural and semantic information. Finally, experimental results on a real-world dataset demonstrate the effectiveness and rationality of the proposed method.

  12. It's a sentence, not a word: insights from a keyword analysis in cancer communication.

    Science.gov (United States)

    Taylor, Kimberly; Thorne, Sally; Oliffe, John L

    2015-01-01

    Keyword analysis has been championed as a methodological option for expanding the insights that can be extracted from qualitative datasets using various properties available in qualitative software. Intrigued by the pioneering applications of Clive Seale and his colleagues in this regard, we conducted keyword analyses for word frequency and "keyness" on a qualitative database of interview transcripts from a study on cancer communication. We then subjected the results from these operations to an in-depth contextual inquiry by resituating word instances within their original speech contexts, finding that most of what had initially appeared as group variations broke down under close analysis. In this article, we illustrate the various threads of analysis, and explain how they unraveled under closer scrutiny. On the basis of this tentative exercise, we conclude that a healthy skepticism for the benefits of keyword analysis within a qualitative investigative process seems warranted. © The Author(s) 2014.

  13. A computer program for creating keyword indexes to textual data files

    Science.gov (United States)

    Moody, David W.

    1972-01-01

    A keyword-in-context (KWIC) or out-of-context (KWOC) index is a convenient means of organizing information. This keyword index program can be used to create either KWIC or KWOC indexes of bibliographic references or other types of information punched on. cards, typed on optical scanner sheets, or retrieved from various Department of Interior data bases using the Generalized Information Processing System (GIPSY). The index consists of a 'bibliographic' section and a keyword-section based on the permutation of. document titles, project titles, environmental impact statement titles, maps, etc. or lists of descriptors. The program can also create a back-of-the-book index to documents from a list of descriptors. By providing the user with a wide range of input and output options, the program provides the researcher, manager, or librarian with a means of-maintaining a list and index to documents in. a small library, reprint collection, or office file.

  14. Variability at Multiple Scales: Using an Array of Current- and Pressure-Sensor Equipped Inverted Echo Sounders to Measure the Ocean

    Science.gov (United States)

    2016-11-29

    of Current- and Pressure - Sensor Equipped Inverted Echo Sounders to Measure the Ocean 5b. GRANT NUMBER NOOO 14-15-1-2857 5c. PROGRAM ELEMENT NUMBER...inverted echo sounders (lESs) equipped with pressure and current sensors (CPIESs). CPIESs are moored instruments that measure the round-trip acoustic...at a range of spatial and temporal scales. The goals of this project were to enhance the pool of pressure - sensor equipped lESs available at the

  15. Satellite Sounder Observations of Contrasting Tropospheric Moisture Transport Regimes: Saharan Air Layers, Hadley Cells, and Atmospheric Rivers

    Energy Technology Data Exchange (ETDEWEB)

    Nalli, Nicholas R.; Barnet, Christopher D.; Reale, Tony; Liu, Quanhua; Morris, Vernon R.; Spackman, J. Ryan; Joseph, Everette; Tan, Changyi; Sun, Bomin; Tilley, Frank; Leung, L. Ruby; Wolfe, Daniel

    2016-12-01

    This paper examines the performance of satellite sounder atmospheric vertical moisture proles (AVMP) under tropospheric conditions encompassing moisture contrasts driven by convection and advection transport mechanisms, specifically Atlantic Ocean Saharan air layers (SALs) and Pacific Ocean moisture conveyer belts (MCBs) commonly referred to as atmospheric rivers (ARs), both of these being mesoscale to synoptic meteorological phenomena within the vicinity of subtropical Hadley subsidence zones. Operational AVMP environmental data records retrieved from the Suomi National Polar-orbiting Partnership (SNPP) NOAA-Unique Combined Atmospheric Processing System (NUCAPS) are collocated with dedicated radiosonde observations (RAOBs) obtained from ocean-based intensive field campaigns; these RAOBs provide uniquely independent correlative truth data not assimilated into numerical weather prediction models for satellite sounder validation over open ocean. Using these marine-based data, we empirically assess the performance of the operational NUCAPS AVMP product for detecting and resolving these tropospheric moisture features over otherwise RAOB-sparse regions.

  16. Airborne Deployment and Calibration of Microwave Atmospheric Sounder on 6U CubeSat

    Science.gov (United States)

    Padmanabhan, S.; Brown, S. T.; Lim, B.; Kangaslahti, P.; Russell, D.; Stachnik, R. A.

    2015-12-01

    To accurately predict how the distribution of extreme events may change in the future we need to understand the mechanisms that influence such events in our current climate. Our current observing system is not well-suited for observing extreme events globally due to the sparse sampling and in-homogeneity of ground-based in-situ observations and the infrequent revisit time of satellite observations. Observations of weather extremes, such as extreme precipitation events, temperature extremes, tropical and extra-tropical cyclones among others, with temporal resolution on the order of minutes and spatial resolution on the order of few kms (cost passive microwave sounding and imaging sensors on CubeSats that would work in concert with traditional flagship observational systems, such as those manifested on large environmental satellites (i.e. JPSS,WSF,GCOM-W), to monitor weather extremes. A 118/183 GHz sensor would enable observations of temperature and precipitation extremes over land and ocean as well as tropical and extra-tropical cyclones. This proposed project would enable low cost, compact radiometer instrumentation at 118 and 183 GHz that would fit in a 6U Cubesat with the objective of mass-producing this design to enable a suite of small satellites to image the key geophysical parameters needed to improve prediction of extreme weather events. We take advantage of past and current technology developments at JPL viz. HAMSR (High Altitude Microwave Scanning Radiometer), Advanced Component Technology (ACT'08) to enable low-mass, low-power high frequency airborne radiometers. In this paper, we will describe the design and implementation of the 118 GHz temperature sounder and 183 GHz humidity sounder on the 6U CubeSat. In addition, we will discuss the maiden airborne deployment of the instrument during the Plain Elevated Convection at Night (PECAN) experiment. The successful demonstration of this instrument on the 6U CubeSat would pave the way for the development of a

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

    Science.gov (United States)

    McCall, Michael; Eckrich, Donald W

    2006-06-01

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

  18. Linguistic measures of chemical diversity and the "keywords" of molecular collections.

    Science.gov (United States)

    Woźniak, Michał; Wołos, Agnieszka; Modrzyk, Urszula; Górski, Rafał L; Winkowski, Jan; Bajczyk, Michał; Szymkuć, Sara; Grzybowski, Bartosz A; Eder, Maciej

    2018-05-15

    Computerized linguistic analyses have proven of immense value in comparing and searching through large text collections ("corpora"), including those deposited on the Internet - indeed, it would nowadays be hard to imagine browsing the Web without, for instance, search algorithms extracting most appropriate keywords from documents. This paper describes how such corpus-linguistic concepts can be extended to chemistry based on characteristic "chemical words" that span more than traditional functional groups and, instead, look at common structural fragments molecules share. Using these words, it is possible to quantify the diversity of chemical collections/databases in new ways and to define molecular "keywords" by which such collections are best characterized and annotated.

  19. Intelligent system for topic survey in MEDLINE by keyword recommendation and learning text characteristics.

    Science.gov (United States)

    Tanaka, M; Nakazono, S; Matsuno, H; Tsujimoto, H; Kitamura, Y; Miyano, S

    2000-01-01

    We have implemented a system for assisting experts in selecting MEDLINE records for database construction purposes. This system has two specific features: The first is a learning mechanism which extracts characteristics in the abstracts of MEDLINE records of interest as patterns. These patterns reflect selection decisions by experts and are used for screening the records. The second is a keyword recommendation system which assists and supplements experts' knowledge in unexpected cases. Combined with a conventional keyword-based information retrieval system, this system may provide an efficient and comfortable environment for MEDLINE record selection by experts. Some computational experiments are provided to prove that this idea is useful.

  20. Seasonal variation in internet keyword searches: a proxy assessment of sex mating behaviors.

    Science.gov (United States)

    Markey, Patrick M; Markey, Charlotte N

    2013-05-01

    The current study investigated seasonal variation in internet searches regarding sex and mating behaviors. Harmonic analyses were used to examine the seasonal trends of Google keyword searches during the past 5 years for topics related to pornography, prostitution, and mate-seeking. Results indicated a consistent 6-month harmonic cycle with the peaks of keyword searches related to sex and mating behaviors occurring most frequently during winter and early summer. Such results compliment past research that has found similar seasonal trends of births, sexually transmitted infections, condom sales, and abortions.

  1. A Network Model of Credit Risk Contagion

    Directory of Open Access Journals (Sweden)

    Ting-Qiang Chen

    2012-01-01

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

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

    OpenAIRE

    Tang, Sai; Guan, Zhengfei; Jin, Songqing

    2010-01-01

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

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

    OpenAIRE

    Jézabel Couppey-Soubeyran; Jérôme Héricourt

    2013-01-01

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

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

    OpenAIRE

    Špicas, Renatas

    2017-01-01

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

  5. Non-conventional fuel tax credit

    International Nuclear Information System (INIS)

    Soeoet, P.M.

    1988-01-01

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

  6. Private Sector Credit and Inflation Volatility

    Directory of Open Access Journals (Sweden)

    Lorna Katusiime

    2018-04-01

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

  7. Sensor System Performance Evaluation and Benefits from the NPOESS Airborne Sounder Testbed-Interferometer (NAST-I)

    Science.gov (United States)

    Larar, A.; Zhou, D.; Smith, W.

    2009-01-01

    Advanced satellite sensors are tasked with improving global-scale measurements of the Earth's atmosphere, clouds, and surface to enable enhancements in weather prediction, climate monitoring, and environmental change detection. Validation of the entire measurement system is crucial to achieving this goal and thus maximizing research and operational utility of resultant data. Field campaigns employing satellite under-flights with well-calibrated FTS sensors aboard high-altitude aircraft are an essential part of this validation task. The National Polar-orbiting Operational Environmental Satellite System (NPOESS) Airborne Sounder Testbed-Interferometer (NAST-I) has been a fundamental contributor in this area by providing coincident high spectral/spatial resolution observations of infrared spectral radiances along with independently-retrieved geophysical products for comparison with like products from satellite sensors being validated. This paper focuses on some of the challenges associated with validating advanced atmospheric sounders and the benefits obtained from employing airborne interferometers such as the NAST-I. Select results from underflights of the Aqua Atmospheric InfraRed Sounder (AIRS) and the Infrared Atmospheric Sounding Interferometer (IASI) obtained during recent field campaigns will be presented.

  8. Enriched Title-Based Keyword Index Generation Using dBase II.

    Science.gov (United States)

    Rajendran, P. P.

    1986-01-01

    Describes the use of a database management system (DBMS)--dBaseII--to create an enriched title-based keyword index for a collection of news items at the Renewable Energy Resources Information Center of the Asian Institute of Technology. The use of DBMSs in libraries in developing countries is emphasized. (Author/LRW)

  9. Certificate-Based Encryption with Keyword Search: Enabling Secure Authorization in Electronic Health Record

    Directory of Open Access Journals (Sweden)

    Clémentine Gritti

    2016-11-01

    Full Text Available In an e-Health scenario, we study how the practitioners are authorized when they are requesting access to medical documents containing sensitive information. Consider the following scenario. A clinician wants to access and retrieve a patient’s Electronic Health Record (EHR, and this means that the clinician must acquire sufficient access right to access this document. As the EHR is within a collection of many other patients, the clinician would need to specify some requirements (such as a keyword which match the patient’s record, as well as having a valid access right. The complication begins when we do not want the server to learn anything from this query (as the server might be outsourced to other place. To encompass this situation, we define a new cryptographic primitive called Certificate-Based Encryption with Keyword Search (CBEKS, which will be suitable in this scenario. We also specify the corresponding security models, namely computational consistency, indistinguishability against chosen keyword and ciphertext attacks, indistinguishability against keyword-guessing attacks and collusion resistance. We provide a CBEKS construction that is proven secure in the standard model with respect to the aforementioned security models.

  10. MinHash-Based Fuzzy Keyword Search of Encrypted Data across Multiple Cloud Servers

    Directory of Open Access Journals (Sweden)

    Jingsha He

    2018-05-01

    Full Text Available To enhance the efficiency of data searching, most data owners store their data files in different cloud servers in the form of cipher-text. Thus, efficient search using fuzzy keywords becomes a critical issue in such a cloud computing environment. This paper proposes a method that aims at improving the efficiency of cipher-text retrieval and lowering storage overhead for fuzzy keyword search. In contrast to traditional approaches, the proposed method can reduce the complexity of Min-Hash-based fuzzy keyword search by using Min-Hash fingerprints to avoid the need to construct the fuzzy keyword set. The method will utilize Jaccard similarity to rank the results of retrieval, thus reducing the amount of calculation for similarity and saving a lot of time and space overhead. The method will also take consideration of multiple user queries through re-encryption technology and update user permissions dynamically. Security analysis demonstrates that the method can provide better privacy preservation and experimental results show that efficiency of cipher-text using the proposed method can improve the retrieval time and lower storage overhead as well.

  11. Re-examining the "Limitations" of the Mnemonic Keyword Method. Working Paper No. 329.

    Science.gov (United States)

    Pressley, Michael; And Others

    A series of four experiments explored a discrepancy in the findings of research regarding the use of the keyword method for learning vocabulary, specifically whether the presentation method (paced vs. unpaced) or the treatment administration (subjects in groups vs. subjects as individuals) determines its effectiveness. Two experiments involved…

  12. A Comparison of Keyword Subject Searching on Six British University OPACs Online Public Access Catalogs.

    Science.gov (United States)

    Aanonson, John

    1987-01-01

    Compares features of online public access catalogs (OPACs) at six British universities: (1) Cambridge; (2) Hull; (3) Newcastle; (4) Surrey; (5) Sussex; and (6) York. Results of keyword subject searches on two topics performed on each of the OPACs are reported and compared. Six references are listed. (MES)

  13. User Practices in Keyword and Boolean Searching on an Online Public Access Catalog.

    Science.gov (United States)

    Ensor, Pat

    1992-01-01

    Discussion of keyword and Boolean searching techniques in online public access catalogs (OPACs) focuses on a study conducted at Indiana State University that examined users' attitudes toward searching on NOTIS (Northwestern Online Total Integrated System). Relevant literature is reviewed, and implications for library instruction are suggested. (17…

  14. Implementing Keyword and Question Generation Approaches in Teaching EFL Summary Writing

    Science.gov (United States)

    Chou, Mu-hsuan

    2012-01-01

    Summary writing has been considered an important aspect of academic writing. However, writing summaries can be a challenging task for the majority of English as a Foreign Language (EFL) learners. Research into teaching summary writing has focused on different processes to teach EFL learners. The present study adopted two methods--keyword and…

  15. Universal Keyword Classifier on Public Key Based Encrypted Multikeyword Fuzzy Search in Public Cloud.

    Science.gov (United States)

    Munisamy, Shyamala Devi; Chokkalingam, Arun

    2015-01-01

    Cloud computing has pioneered the emerging world by manifesting itself as a service through internet and facilitates third party infrastructure and applications. While customers have no visibility on how their data is stored on service provider's premises, it offers greater benefits in lowering infrastructure costs and delivering more flexibility and simplicity in managing private data. The opportunity to use cloud services on pay-per-use basis provides comfort for private data owners in managing costs and data. With the pervasive usage of internet, the focus has now shifted towards effective data utilization on the cloud without compromising security concerns. In the pursuit of increasing data utilization on public cloud storage, the key is to make effective data access through several fuzzy searching techniques. In this paper, we have discussed the existing fuzzy searching techniques and focused on reducing the searching time on the cloud storage server for effective data utilization. Our proposed Asymmetric Classifier Multikeyword Fuzzy Search method provides classifier search server that creates universal keyword classifier for the multiple keyword request which greatly reduces the searching time by learning the search path pattern for all the keywords in the fuzzy keyword set. The objective of using BTree fuzzy searchable index is to resolve typos and representation inconsistencies and also to facilitate effective data utilization.

  16. Fostering Learners' Metacognitive Skills of Keyword Reformulation in Image Seeking by Location-Based Hierarchical Navigation

    Science.gov (United States)

    Liu, Ming-Chi; Huang, Yueh-Min; Kinshuk; Wen, Dunwei

    2013-01-01

    It is critical that students learn how to retrieve useful information in hypermedia environments, a task that is often especially difficult when it comes to image retrieval, as little text feedback is given that allows them to reformulate keywords they need to use. This situation may make students feel disorientated while attempting image…

  17. The Fractal Patterns of Words in a Text: A Method for Automatic Keyword Extraction.

    Science.gov (United States)

    Najafi, Elham; Darooneh, Amir H

    2015-01-01

    A text can be considered as a one dimensional array of words. The locations of each word type in this array form a fractal pattern with certain fractal dimension. We observe that important words responsible for conveying the meaning of a text have dimensions considerably different from one, while the fractal dimensions of unimportant words are close to one. We introduce an index quantifying the importance of the words in a given text using their fractal dimensions and then ranking them according to their importance. This index measures the difference between the fractal pattern of a word in the original text relative to a shuffled version. Because the shuffled text is meaningless (i.e., words have no importance), the difference between the original and shuffled text can be used to ascertain degree of fractality. The degree of fractality may be used for automatic keyword detection. Words with the degree of fractality higher than a threshold value are assumed to be the retrieved keywords of the text. We measure the efficiency of our method for keywords extraction, making a comparison between our proposed method and two other well-known methods of automatic keyword extraction.

  18. Generating Keywords Improves Metacomprehension and Self-Regulation in Elementary and Middle School Children

    Science.gov (United States)

    de Bruin, Anique B. H.; Thiede, Keith W.; Camp, Gino; Redford, Joshua

    2011-01-01

    The ability to monitor understanding of texts, usually referred to as metacomprehension accuracy, is typically quite poor in adult learners; however, recently interventions have been developed to improve accuracy. In two experiments, we evaluated whether generating delayed keywords prior to judging comprehension improved metacomprehension accuracy…

  19. Searching the ASRS Database Using QUORUM Keyword Search, Phrase Search, Phrase Generation, and Phrase Discovery

    Science.gov (United States)

    McGreevy, Michael W.; Connors, Mary M. (Technical Monitor)

    2001-01-01

    To support Search Requests and Quick Responses at the Aviation Safety Reporting System (ASRS), four new QUORUM methods have been developed: keyword search, phrase search, phrase generation, and phrase discovery. These methods build upon the core QUORUM methods of text analysis, modeling, and relevance-ranking. QUORUM keyword search retrieves ASRS incident narratives that contain one or more user-specified keywords in typical or selected contexts, and ranks the narratives on their relevance to the keywords in context. QUORUM phrase search retrieves narratives that contain one or more user-specified phrases, and ranks the narratives on their relevance to the phrases. QUORUM phrase generation produces a list of phrases from the ASRS database that contain a user-specified word or phrase. QUORUM phrase discovery finds phrases that are related to topics of interest. Phrase generation and phrase discovery are particularly useful for finding query phrases for input to QUORUM phrase search. The presentation of the new QUORUM methods includes: a brief review of the underlying core QUORUM methods; an overview of the new methods; numerous, concrete examples of ASRS database searches using the new methods; discussion of related methods; and, in the appendices, detailed descriptions of the new methods.

  20. The Use of Keywords for Delivering Immediate Performance Feedback on Teacher Competence Development

    Science.gov (United States)

    Coninx, Nele; Kreijns, Karel; Jochems, Wim

    2013-01-01

    Literature shows that feedback that is specific, immediate and goal-oriented is effective on (pre-service) teachers' performance. Synchronous coaching gives this kind of feedback. Due to immediateness of feedback, pre-service teachers can suffer from cognitive load. We propose a set of standardised keywords through which this performance feedback…

  1. Restrictions of physical activity participation in older adults with disability: employing keyword network analysis.

    Science.gov (United States)

    Koo, Kyo-Man; Kim, Chun-Jong; Park, Chae-Hee; Byeun, Jung-Kyun; Seo, Geon-Woo

    2016-08-01

    Older adults with disability might have been increasing due to the rapid aging of society. Many studies showed that physical activity is an essential part for improving quality of life in later lives. Regular physical activity is an efficient means that has roles of primary prevention and secondary prevention. However, there were few studies regarding older adults with disability and physical activity participation. The purpose of this current study was to investigate restriction factors to regularly participate older adults with disability in physical activity by employing keyword network analysis. Two hundred twenty-nine older adults with disability who were over 65 including aging with disability and disability with aging in type of physical disability and brain lesions defined by disabled person welfare law partook in the open questionnaire assessing barriers to participate in physical activity. The results showed that the keyword the most often used was 'Traffic' which was total of 21 times (3.47%) and the same proportion as in the 'personal' and 'economical'. Exercise was considered the most central keyword for participating in physical activity and keywords such as facility, physical activity, disabled, program, transportation, gym, discomfort, opportunity, and leisure activity were associated with exercise. In conclusion, it is necessary to educate older persons with disability about a true meaning of physical activity and providing more physical activity opportunities and decreasing inconvenience should be systematically structured in Korea.

  2. The Effect of Keyword Method on Vocabulary Retention of Senior High School EFL Learners in Iran

    Science.gov (United States)

    Davoudi, Mohammad; Yousefi, Dina

    2016-01-01

    This study aimed at investigating the effect of keyword method, as one of the mnemonic strategies, on vocabulary retention of Iranian senior high school EFL learners. Following a quasi-experimental design, the study used thirty eight (n = 38) female senior high school students in grade four from two intact classes at a public high school. The…

  3. Effect of Reading Ability and Internet Experience on Keyword-Based Image Search

    Science.gov (United States)

    Lei, Pei-Lan; Lin, Sunny S. J.; Sun, Chuen-Tsai

    2013-01-01

    Image searches are now crucial for obtaining information, constructing knowledge, and building successful educational outcomes. We investigated how reading ability and Internet experience influence keyword-based image search behaviors and performance. We categorized 58 junior-high-school students into four groups of high/low reading ability and…

  4. Leveraging Bibliographic RDF Data for Keyword Prediction with Association Rule Mining (ARM

    Directory of Open Access Journals (Sweden)

    Nidhi Kushwaha

    2014-11-01

    Full Text Available The Semantic Web (Web 3.0 has been proposed as an efficient way to access the increasingly large amounts of data on the internet. The Linked Open Data Cloud project at present is the major effort to implement the concepts of the Seamtic Web, addressing the problems of inhomogeneity and large data volumes. RKBExplorer is one of many repositories implementing Open Data and contains considerable bibliographic information. This paper discusses bibliographic data, an important part of cloud data. Effective searching of bibiographic datasets can be a challenge as many of the papers residing in these databases do not have sufficient or comprehensive keyword information. In these cases however, a search engine based on RKBExplorer is only able to use information to retrieve papers based on author names and title of papers without keywords. In this paper we attempt to address this problem by using the data mining algorithm Association Rule Mining (ARM to develop keywords based on features retrieved from Resource Description Framework (RDF data within a bibliographic citation. We have demonstrate the applicability of this method for predicting missing keywords for bibliographic entries in several typical databases. −−−−− Paper presented at 1st International Symposium on Big Data and Cloud Computing Challenges (ISBCC-2014 March 27-28, 2014. Organized by VIT University, Chennai, India. Sponsored by BRNS.

  5. The Fractal Patterns of Words in a Text: A Method for Automatic Keyword Extraction

    Science.gov (United States)

    Najafi, Elham; Darooneh, Amir H.

    2015-01-01

    A text can be considered as a one dimensional array of words. The locations of each word type in this array form a fractal pattern with certain fractal dimension. We observe that important words responsible for conveying the meaning of a text have dimensions considerably different from one, while the fractal dimensions of unimportant words are close to one. We introduce an index quantifying the importance of the words in a given text using their fractal dimensions and then ranking them according to their importance. This index measures the difference between the fractal pattern of a word in the original text relative to a shuffled version. Because the shuffled text is meaningless (i.e., words have no importance), the difference between the original and shuffled text can be used to ascertain degree of fractality. The degree of fractality may be used for automatic keyword detection. Words with the degree of fractality higher than a threshold value are assumed to be the retrieved keywords of the text. We measure the efficiency of our method for keywords extraction, making a comparison between our proposed method and two other well-known methods of automatic keyword extraction. PMID:26091207

  6. Universal Keyword Classifier on Public Key Based Encrypted Multikeyword Fuzzy Search in Public Cloud

    Directory of Open Access Journals (Sweden)

    Shyamala Devi Munisamy

    2015-01-01

    Full Text Available Cloud computing has pioneered the emerging world by manifesting itself as a service through internet and facilitates third party infrastructure and applications. While customers have no visibility on how their data is stored on service provider’s premises, it offers greater benefits in lowering infrastructure costs and delivering more flexibility and simplicity in managing private data. The opportunity to use cloud services on pay-per-use basis provides comfort for private data owners in managing costs and data. With the pervasive usage of internet, the focus has now shifted towards effective data utilization on the cloud without compromising security concerns. In the pursuit of increasing data utilization on public cloud storage, the key is to make effective data access through several fuzzy searching techniques. In this paper, we have discussed the existing fuzzy searching techniques and focused on reducing the searching time on the cloud storage server for effective data utilization. Our proposed Asymmetric Classifier Multikeyword Fuzzy Search method provides classifier search server that creates universal keyword classifier for the multiple keyword request which greatly reduces the searching time by learning the search path pattern for all the keywords in the fuzzy keyword set. The objective of using BTree fuzzy searchable index is to resolve typos and representation inconsistencies and also to facilitate effective data utilization.

  7. Validation of UARS Microwave Limb Sounder 183 GHz H2O Measurements

    Science.gov (United States)

    Lahoz, W. A.; Suttie, M. R.; Froidevaux, L.; Harwood, R. S.; Lau, C. L.; Lungu, T. A.; Peckham, G. E.; Pumphrey, H. C.; Read, W. G.; Shippony, Z.; hide

    1996-01-01

    The Upper Atmosphere Research Satellite (UARS) microwave limb sounder (MLS) makes measurements of thermal emission at 183.3 GHz which are used to infer the concentration of water vapor over a pressure range of 46-0.2hPa (approximately 20-60 km). We provide a validation of MLS H2O by analyzing the integrity of the measurements, by providing an error characterization, and by comparison with data from other instruments. It is estimated that version 3 MLS H2O retrievals are accurate to within 20-25% in the lower stratosphere and to within 8-13% in the upper stratosphere and lower mesosphere. The precision of a single profile is estimated to be approximately 0.15 parts per million by volume (ppmv) in the midstratosphere and 0.2 ppmv in the lower and upper stratosphere. In the lower mesosphere the estimate of a single profile precision is 0.25-0.45 ppmv. During polar winter conditions, H2O retrievals at 46 hPa can have a substantial contribution from climatology. The vertical resolution of MLS H2O retrievals is approximately 5 km.

  8. Space-Time Variations in Water Vapor as Observed by the UARS Microwave Limb Sounder

    Science.gov (United States)

    Elson, Lee S.; Read, William G.; Waters, Joe W.; Mote, Philip W.; Kinnersley, Jonathan S.; Harwood, Robert S.

    1996-01-01

    Water vapor in the upper troposphere has a significant impact on the climate system. Difficulties in making accurate global measurements have led to uncertainty in understanding water vapor's coupling to the hydrologic cycle in the lower troposphere and its role in radiative energy balance. The Microwave Limb Sounder (MLS) on the Upper Atmosphere Research Satellite is able to retrieve water vapor concentration in the upper troposphere with good sensitivity and nearly global coverage. An analysis of these preliminary retrievals based on 3 years of observations shows the water vapor distribution to be similar to that measured by other techniques and to model results. The primary MLS water vapor measurements were made in the stratosphere, where this species acts as a conserved tracer under certain conditions. As is the case for the upper troposphere, most of the stratospheric discussion focuses on the time evolution of the zonal mean and zonally varying water vapor. Stratospheric results span a 19-month period and tropospheric results a 36-month period, both beginning in October of 1991. Comparisons with stratospheric model calculations show general agreement, with some differences in the amplitude and phase of long-term variations. At certain times and places, the evolution of water vapor distributions in the lower stratosphere suggests the presence of meridional transport.

  9. The Transition of Atmospheric Infrared Sounder Total Ozone Products to Operations

    Science.gov (United States)

    Berndt, Emily; Zavodsky, Bradley; Jedlovec, Gary

    2014-01-01

    The National Aeronautics and Space Administration Short-term Prediction Research and Transition Center (NASA SPoRT) has transitioned a total column ozone product from the Atmospheric Infrared Sounder (AIRS) retrievals to the Weather Prediction Center and Ocean Prediction Center. The total column ozone product is used to diagnose regions of warm, dry, ozone-rich, stratospheric air capable of descending to the surface to create high-impact non-convective winds. Over the past year, forecasters have analyzed the Red, Green, Blue (RGB) Air Mass imagery in conjunction with the AIRS total column ozone to aid high wind forecasts. One of the limitations of the total ozone product is that it is difficult for forecasters to determine whether elevated ozone concentrations are related to stratospheric air or climatologically high values of ozone in certain regions. During the summer of 2013, SPoRT created an AIRS ozone anomaly product which calculates the percent of normal ozone based on a global stratospheric ozone mean climatology. With the knowledge that ozone values 125 percent of normal and greater typically represent stratospheric air; the anomaly product can be used with the total column ozone product to confirm regions of stratospheric air. This paper describes the generation of these products along with forecaster feedback concerning the use of the AIRS ozone products in conjunction with the RGB Air Mass product to access the utility and transition of the products.

  10. Dedicated Low Latitude Diurnal CO2 Frost Observation Campaigns by the Mars Climate Sounder

    Science.gov (United States)

    Piqueux, S.; Kass, D. M.; Kleinboehl, A.; Hayne, P. O.; Heavens, N. G.; McCleese, D. J.; Schofield, J. T.; Shirley, J. H.

    2017-12-01

    In December 2016 (Ls≈280, MY33) and July 2017 (Ls≈30, MY34), the Mars Climate Sounder (MCS) onboard the Mars Reconnaissance Orbiter (MRO) conducted two distinct observation campaigns. The first one aimed at 1) confirming the presence of low latitude diurnal CO2 frost on Mars, and 2) refining the estimated mass of carbon dioxide condensed at the surface, whereas the second campaign was designed to 3) search for temporally and spatially varying spectral characteristics indicative of frost properties (i.e., crystal size, contamination, etc.) and relationship to the regolith. To meet these goals, MCS acquired thermal infrared observations of the surface and atmosphere at variable local times (≈1.70-3.80 h Local True Solar Time) and in the 10°-50°N latitude band where very low thermal inertia material (frost distribution and spectral properties. In addition, pre-frost deposition surface cooling rates are found to be consistent with those predicted by numerical models (i.e., 1-2K per hour). Finally, we observe buffered surface temperatures near the local frost point, indicating a surface emissivity ≈1. (i.e., optically thin frost layers, or dust contaminated frost, or slab-like ice) and no discernable frost metamorphism. We will present a detailed analysis of these new and unique observations, and elaborate on the potential relationship between the regolith and this recurring frost cycle.

  11. Upper tropospheric cloud systems determined from IR Sounders and their influence on the atmosphere

    Science.gov (United States)

    Stubenrauch, Claudia; Protopapadaki, Sofia; Feofilov, Artem; Velasco, Carola Barrientos

    2017-02-01

    Covering about 30% of the Earth, upper tropospheric clouds play a key role in the climate system by modulating the Earth's energy budget and heat transport. Infrared Sounders reliably identify cirrus down to an IR optical depth of 0.1. Recently LMD has built global cloud climate data records from AIRS and IASI observations, covering the periods from 2003-2015 and 2008-2015, respectively. Upper tropospheric clouds often form mesoscale systems. Their organization and properties are being studied by (1) distinguishing cloud regimes within 2° × 2° regions and (2) applying a spatial composite technique on adjacent cloud pressures, which estimates the horizontal extent of the mesoscale cloud systems. Convective core, cirrus anvil and thin cirrus of these systems are then distinguished by their emissivity. Compared to other studies of tropical mesoscale convective systems our data include also the thinner anvil parts, which make out about 30% of the area of tropical mesoscale convective systems. Once the horizontal and vertical structure of these upper tropospheric cloud systems is known, we can estimate their radiative effects in terms of top of atmosphere and surface radiative fluxes and by computing their heating rates.

  12. User expectations for multibeam echo sounders backscatter strength data-looking back into the future

    Science.gov (United States)

    Lucieer, Vanessa; Roche, Marc; Degrendele, Koen; Malik, Mashkoor; Dolan, Margaret; Lamarche, Geoffroy

    2018-06-01

    With the ability of multibeam echo sounders (MBES) to measure backscatter strength (BS) as a function of true angle of insonification across the seafloor, came a new recognition of the potential of backscatter measurements to remotely characterize the properties of the seafloor. Advances in transducer design, digital electronics, signal processing capabilities, navigation, and graphic display devices, have improved the resolution and particularly the dynamic range available to sonar and processing software manufacturers. Alongside these improvements the expectations of what the data can deliver has also grown. In this paper, we identify these user-expectations and explore how MBES backscatter is utilized by different communities involved in marine seabed research at present, and the aspirations that these communities have for the data in the future. The results presented here are based on a user survey conducted by the GeoHab (Marine Geological and Biological Habitat Mapping) association. This paper summarises the different processing procedures employed to extract useful information from MBES backscatter data and the various intentions for which the user community collect the data. We show how a range of backscatter output products are generated from the different processing procedures, and how these results are taken up by different scientific disciplines, and also identify common constraints in handling MBES BS data. Finally, we outline our expectations for the future of this unique and important data source for seafloor mapping and characterisation.

  13. Design and Implementation of a Mechanical Control System for the Scanning Microwave Limb Sounder

    Science.gov (United States)

    Bowden, William

    2011-01-01

    The Scanning Microwave Limb Sounder (SMLS) will use technological improvements in low noise mixers to provide precise data on the Earth's atmospheric composition with high spatial resolution. This project focuses on the design and implementation of a real time control system needed for airborne engineering tests of the SMLS. The system must coordinate the actuation of optical components using four motors with encoder readback, while collecting synchronized telemetric data from a GPS receiver and 3-axis gyrometric system. A graphical user interface for testing the control system was also designed using Python. Although the system could have been implemented with a FPGA-based setup, we chose to use a low cost processor development kit manufactured by XMOS. The XMOS architecture allows parallel execution of multiple tasks on separate threads-making it ideal for this application and is easily programmed using XC (a subset of C). The necessary communication interfaces were implemented in software, including Ethernet, with significant cost and time reduction compared to an FPGA-based approach. For these reasons, the XMOS technology is an attractive, cost effective, alternative to FPGA-based technologies for this design and similar rapid prototyping projects.

  14. Thermal Stability of a 4 Meter Primary Reflector for the Scanning Microwave Limb Sounder

    Science.gov (United States)

    Cofield, Richard E.; Kasl, Eldon P.

    2011-01-01

    The Scanning Microwave Limb Sounder (SMLS) is a space-borne heterodyne radiometer which will measure pressure, temperature and atmospheric constituents from thermal emission in [180,680] GHz. SMLS, planned for the NRC Decadal Survey's Global Atmospheric Composition Mission, uses a novel toric Cassegrain antenna to perform both elevation and azimuth scanning. This provides better horizontal and temporal resolution and coverage than were possible with elevation-only scanning in the two previous MLS satellite instruments. SMLS is diffraction-limited in the vertical plane but highly astigmatic in the horizontal (beam aspect ratio approx. 1:20). Nadir symmetry ensures that beam shape is nearly invariant over plus or minus 65 deg azimuth. A low-noise receiver FOV is swept over the reflector system by a small azimuth-scanning mirror. We describe the fabrication and thermal-stability test of a composite demonstration primary reflector, having full 4m height and 1/3 the width planned for flight. Using finite-element models of reflectors and structure, we evaluate thermal deformations and optical performance for 4 orbital environments and isothermal soak. We compare deformations with photogrammetric measurements made during soak tests in a chamber. The test temperature range exceeds predicted orbital ranges by large factors, implying in-orbit thermal stability of 0.21 micron rms (root mean square)/C, which meets SMLS requirements.

  15. Performance of the HIRS/2 instrument on TIROS-N. [High Resolution Infrared Radiation Sounder

    Science.gov (United States)

    Koenig, E. W.

    1980-01-01

    The High Resolution Infrared Radiation Sounder (HIRS/2) was developed and flown on the TIROS-N satellite as one means of obtaining atmospheric vertical profile information. The HIRS/2 receives visible and infrared spectrum radiation through a single telescope and selects 20 narrow radiation channels by means of a rotating filter wheel. A passive radiant cooler provides an operating temperature of 106.7 K for the HgCdTe and InSb detectors while the visible detector operates at instrument frame temperature. Low noise amplifiers and digital processing provide 13 bit data for spacecraft data multiplexing and transmission. The qualities of system performance that determine sounding capability are the dynamic range of data collection, the noise equivalent radiance of the system, the registration of the air columns sampled in each channel and the ability to upgrade the calibration of the instrument to maintain the performance standard throughout life. The basic features, operating characteristics and performance of the instrument in test are described. Early orbital information from the TIROS-N launched on October 13, 1978 is given and some observations on system quality are made.

  16. THz limb sounder (TLS) for lower thermospheric wind, oxygen density, and temperature

    Science.gov (United States)

    Wu, Dong L.; Yee, Jeng-Hwa; Schlecht, Erich; Mehdi, Imran; Siles, Jose; Drouin, Brian J.

    2016-07-01

    Neutral winds are one of the most critical measurements in the lower thermosphere and E region ionosphere (LTEI) for understanding complex electrodynamic processes and ion-neutral interactions. We are developing a high-sensitivity, low-power, noncryogenic 2.06 THz Schottky receiver to measure wind profiles at 100-140 km. The new technique, THz limb sounder (TLS), aims to measure LTEI winds by resolving the wind-induced Doppler shift of 2.06 THz atomic oxygen (OI) emissions. As a transition between fine structure levels in the ground electronic state, the OI emission is in local thermodynamic equilibrium (LTE) at altitudes up to 350 km. This LTE property, together with day-and-night capability and small line-of-sight gradient, makes the OI limb sounding a very attractive technique for neutral wind observations. In addition to the wind measurement, TLS can also retrieve [OI] density and neutral temperature in the LTEI region. TLS leverages rapid advances in THz receiver technologies including subharmonically pumped (SHP) mixers and Schottky-diode-based power multipliers. Current SHP Schottky receivers have produced good sensitivity for THz frequencies at ambient environment temperatures (120-150 K), which are achievable through passively cooling in spaceflight. As an emerging technique, TLS can fill the critical data gaps in the LTEI neutral wind observations to enable detailed studies on the coupling and dynamo processes between charged and neutral molecules.

  17. Improving Regional Forecast by Assimilating Atmospheric InfraRed Sounder (AIRS) Profiles into WRF Model

    Science.gov (United States)

    Chou, Shih-Hung; Zavodsky, Brad; Jedlovec, Gary J.

    2009-01-01

    In data sparse regions, remotely-sensed observations can be used to improve analyses and produce improved forecasts. One such source comes from the Atmospheric InfraRed Sounder (AIRS), which together with the Advanced Microwave Sounding Unit (AMSU), represents one of the most advanced space-based atmospheric sounding systems. The purpose of this paper is to describe a procedure to optimally assimilate high resolution AIRS profile data into a regional configuration of the Advanced Research WRF (ARW) version 2.2 using WRF-Var. The paper focuses on development of background error covariances for the regional domain and background type, and an optimal methodology for ingesting AIRS temperature and moisture profiles as separate overland and overwater retrievals with different error characteristics. The AIRS thermodynamic profiles are derived from the version 5.0 Earth Observing System (EOS) science team retrieval algorithm and contain information about the quality of each temperature layer. The quality indicators were used to select the highest quality temperature and moisture data for each profile location and pressure level. The analyses were then used to conduct a month-long series of regional forecasts over the continental U.S. The long-term impacts of AIRS profiles on forecast were assessed against verifying NAM analyses and stage IV precipitation data.

  18. 49 CFR 536.8 - Conditions for trading of credits.

    Science.gov (United States)

    2010-10-01

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

  19. 12 CFR 619.9140 - Farm Credit bank(s).

    Science.gov (United States)

    2010-01-01

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

  20. 17 CFR 256.255 - Accumulated deferred investment tax credits.

    Science.gov (United States)

    2010-04-01

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

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

    Directory of Open Access Journals (Sweden)

    Daiva Jurevičienė

    2013-11-01

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

  2. A text zero-watermarking method based on keyword dense interval

    Science.gov (United States)

    Yang, Fan; Zhu, Yuesheng; Jiang, Yifeng; Qing, Yin

    2017-07-01

    Digital watermarking has been recognized as a useful technology for the copyright protection and authentication of digital information. However, rarely did the former methods focus on the key content of digital carrier. The idea based on the protection of key content is more targeted and can be considered in different digital information, including text, image and video. In this paper, we use text as research object and a text zero-watermarking method which uses keyword dense interval (KDI) as the key content is proposed. First, we construct zero-watermarking model by introducing the concept of KDI and giving the method of KDI extraction. Second, we design detection model which includes secondary generation of zero-watermark and the similarity computing method of keyword distribution. Besides, experiments are carried out, and the results show that the proposed method gives better performance than other available methods especially in the attacks of sentence transformation and synonyms substitution.

  3. Improving the precision of the keyword-matching pornographic text filtering method using a hybrid model.

    Science.gov (United States)

    Su, Gui-yang; Li, Jian-hua; Ma, Ying-hua; Li, Sheng-hong

    2004-09-01

    With the flooding of pornographic information on the Internet, how to keep people away from that offensive information is becoming one of the most important research areas in network information security. Some applications which can block or filter such information are used. Approaches in those systems can be roughly classified into two kinds: metadata based and content based. With the development of distributed technologies, content based filtering technologies will play a more and more important role in filtering systems. Keyword matching is a content based method used widely in harmful text filtering. Experiments to evaluate the recall and precision of the method showed that the precision of the method is not satisfactory, though the recall of the method is rather high. According to the results, a new pornographic text filtering model based on reconfirming is put forward. Experiments showed that the model is practical, has less loss of recall than the single keyword matching method, and has higher precision.

  4. Phonetic spelling filter for keyword selection in drug mention mining from social media.

    Science.gov (United States)

    Pimpalkhute, Pranoti; Patki, Apurv; Nikfarjam, Azadeh; Gonzalez, Graciela

    2014-01-01

    Social media postings are rich in information that often remain hidden and inaccessible for automatic extraction due to inherent limitations of the site's APIs, which mostly limit access via specific keyword-based searches (and limit both the number of keywords and the number of postings that are returned). When mining social media for drug mentions, one of the first problems to solve is how to derive a list of variants of the drug name (common misspellings) that can capture a sufficient number of postings. We present here an approach that filters the potential variants based on the intuition that, faced with the task of writing an unfamiliar, complex word (the drug name), users will tend to revert to phonetic spelling, and we thus give preference to variants that reflect the phonemes of the correct spelling. The algorithm allowed us to capture 50.4 - 56.0 % of the user comments using only about 18% of the variants.

  5. 75 FR 17976 - WNC Tax Credits 38, LLC, WNC Tax Credits 39, LLC, WNC Housing Tax Credits Manager, LLC and WNC...

    Science.gov (United States)

    2010-04-08

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

  6. A Study on Effectiveness of Search Keyword Advertising to Attract Tourists Online

    OpenAIRE

    山本, 真嗣

    2015-01-01

    Regional tourism is currently receiving a great deal of attention, but the methodology for effectively attracting visitors is still developing. To effectively attract tourists, several factors that affect travelers’ destination decisions must be examined. In this study, I conducted a survey on attracting tourists online and measured the effect. I displayed ads on search results of keywords related to regional tourism, such as“ tourism Noto,”“ Noto tourism,” and“ Nanao tourism,” and used these...

  7. Big Data Analysis for Personalized Health Activities: Machine Learning Processing for Automatic Keyword Extraction Approach

    Directory of Open Access Journals (Sweden)

    Jun-Ho Huh

    2018-04-01

    Full Text Available The obese population is increasing rapidly due to the change of lifestyle and diet habits. Obesity can cause various complications and is becoming a social disease. Nonetheless, many obese patients are unaware of the medical treatments that are right for them. Although a variety of online and offline obesity management services have been introduced, they are still not enough to attract the attention of users and are not much of help to solve the problem. Obesity healthcare and personalized health activities are the important factors. Since obesity is related to lifestyle habits, eating habits, and interests, I concluded that the big data analysis of these factors could deduce the problem. Therefore, I collected big data by applying the machine learning and crawling method to the unstructured citizen health data in Korea and the search data of Naver, which is a Korean portal company, and Google for keyword analysis for personalized health activities. It visualized the big data using text mining and word cloud. This study collected and analyzed the data concerning the interests related to obesity, change of interest on obesity, and treatment articles. The analysis showed a wide range of seasonal factors according to spring, summer, fall, and winter. It also visualized and completed the process of extracting the keywords appropriate for treatment of abdominal obesity and lower body obesity. The keyword big data analysis technique for personalized health activities proposed in this paper is based on individual’s interests, level of interest, and body type. Also, the user interface (UI that visualizes the big data compatible with Android and Apple iOS. The users can see the data on the app screen. Many graphs and pictures can be seen via menu, and the significant data values are visualized through machine learning. Therefore, I expect that the big data analysis using various keywords specific to a person will result in measures for personalized

  8. Supporting Keyword Search for Image Retrieval with Integration of Probabilistic Annotation

    Directory of Open Access Journals (Sweden)

    Tie Hua Zhou

    2015-05-01

    Full Text Available The ever-increasing quantities of digital photo resources are annotated with enriching vocabularies to form semantic annotations. Photo-sharing social networks have boosted the need for efficient and intuitive querying to respond to user requirements in large-scale image collections. In order to help users formulate efficient and effective image retrieval, we present a novel integration of a probabilistic model based on keyword query architecture that models the probability distribution of image annotations: allowing users to obtain satisfactory results from image retrieval via the integration of multiple annotations. We focus on the annotation integration step in order to specify the meaning of each image annotation, thus leading to the most representative annotations of the intent of a keyword search. For this demonstration, we show how a probabilistic model has been integrated to semantic annotations to allow users to intuitively define explicit and precise keyword queries in order to retrieve satisfactory image results distributed in heterogeneous large data sources. Our experiments on SBU (collected by Stony Brook University database show that (i our integrated annotation contains higher quality representatives and semantic matches; and (ii the results indicating annotation integration can indeed improve image search result quality.

  9. An Interval Estimation Method of Patent Keyword Data for Sustainable Technology Forecasting

    Directory of Open Access Journals (Sweden)

    Daiho Uhm

    2017-11-01

    Full Text Available Technology forecasting (TF is forecasting the future state of a technology. It is exciting to know the future of technologies, because technology changes the way we live and enhances the quality of our lives. In particular, TF is an important area in the management of technology (MOT for R&D strategy and new product development. Consequently, there are many studies on TF. Patent analysis is one method of TF because patents contain substantial information regarding developed technology. The conventional methods of patent analysis are based on quantitative approaches such as statistics and machine learning. The most traditional TF methods based on patent analysis have a common problem. It is the sparsity of patent keyword data structured from collected patent documents. After preprocessing with text mining techniques, most frequencies of technological keywords in patent data have values of zero. This problem creates a disadvantage for the performance of TF, and we have trouble analyzing patent keyword data. To solve this problem, we propose an interval estimation method (IEM. Using an adjusted Wald confidence interval called the Agresti–Coull confidence interval, we construct our IEM for efficient TF. In addition, we apply the proposed method to forecast the technology of an innovative company. To show how our work can be applied in the real domain, we conduct a case study using Apple technology.

  10. Efficient Multi-keyword Ranked Search over Outsourced Cloud Data based on Homomorphic Encryption

    Directory of Open Access Journals (Sweden)

    Nie Mengxi

    2016-01-01

    Full Text Available With the development of cloud computing, more and more data owners are motivated to outsource their data to the cloud server for great flexibility and less saving expenditure. Because the security of outsourced data must be guaranteed, some encryption methods should be used which obsoletes traditional data utilization based on plaintext, e.g. keyword search. To solve the search of encrypted data, some schemes were proposed to solve the search of encrypted data, e.g. top-k single or multiple keywords retrieval. However, the efficiency of these proposed schemes is not high enough to be impractical in the cloud computing. In this paper, we propose a new scheme based on homomorphic encryption to solve this challenging problem of privacy-preserving efficient multi-keyword ranked search over outsourced cloud data. In our scheme, the inner product is adopted to measure the relevance scores and the technique of relevance feedback is used to reflect the search preference of the data users. Security analysis shows that the proposed scheme can meet strict privacy requirements for such a secure cloud data utilization system. Performance evaluation demonstrates that the proposed scheme can achieve low overhead on both computation and communication.

  11. Using Gazetteers to Extract Sets of Keywords from Free-Flowing Texts

    Directory of Open Access Journals (Sweden)

    Adam Crymble

    2015-12-01

    Full Text Available If you have a copy of a text in electronic format stored on your computer, it is relatively easy to keyword search for a single term. Often you can do this by using the built-in search features in your favourite text editor. However, scholars are increasingly needing to find instances of many terms within a text or texts. For example, a scholar may want to use a gazetteer to extract all mentions of English placenames within a collection of texts so that those places can later be plotted on a map. Alternatively, they may want to extract all male given names, all pronouns, stop words, or any other set of words. Using those same built-in search features to achieve this more complex goal is time consuming and clunky. This lesson will teach you how to use Python to extract a set of keywords very quickly and systematically from a set of texts. It is expected that once you have completed this lesson, you will be able to generalise the skills to extract custom sets of keywords from any set of locally saved files.

  12. Interest in Anesthesia as Reflected by Keyword Searches using Common Search Engines.

    Science.gov (United States)

    Liu, Renyu; García, Paul S; Fleisher, Lee A

    2012-01-23

    Since current general interest in anesthesia is unknown, we analyzed internet keyword searches to gauge general interest in anesthesia in comparison with surgery and pain. The trend of keyword searches from 2004 to 2010 related to anesthesia and anaesthesia was investigated using Google Insights for Search. The trend of number of peer reviewed articles on anesthesia cited on PubMed and Medline from 2004 to 2010 was investigated. The average cost on advertising on anesthesia, surgery and pain was estimated using Google AdWords. Searching results in other common search engines were also analyzed. Correlation between year and relative number of searches was determined with psearch engines may provide different total number of searching results (available posts), the ratios of searching results between some common keywords related to perioperative care are comparable, indicating similar trend. The peer reviewed manuscripts on "anesthesia" and the proportion of papers on "anesthesia and outcome" are trending up. Estimates for spending of advertising dollars are less for anesthesia-related terms when compared to that for pain or surgery due to relative smaller number of searching traffic. General interest in anesthesia (anaesthesia) as measured by internet searches appears to be decreasing. Pain, preanesthesia evaluation, anesthesia and outcome and side effects of anesthesia are the critical areas that anesthesiologists should focus on to address the increasing concerns.

  13. Taking Word Clouds Apart: An Empirical Investigation of the Design Space for Keyword Summaries.

    Science.gov (United States)

    Felix, Cristian; Franconeri, Steven; Bertini, Enrico

    2018-01-01

    In this paper we present a set of four user studies aimed at exploring the visual design space of what we call keyword summaries: lists of words with associated quantitative values used to help people derive an intuition of what information a given document collection (or part of it) may contain. We seek to systematically study how different visual representations may affect people's performance in extracting information out of keyword summaries. To this purpose, we first create a design space of possible visual representations and compare the possible solutions in this design space through a variety of representative tasks and performance metrics. Other researchers have, in the past, studied some aspects of effectiveness with word clouds, however, the existing literature is somewhat scattered and do not seem to address the problem in a sufficiently systematic and holistic manner. The results of our studies showed a strong dependency on the tasks users are performing. In this paper we present details of our methodology, the results, as well as, guidelines on how to design effective keyword summaries based in our discoveries.

  14. Bibliometric investigation on preventive medicine in North Korea: a coauthor and keyword network analysis.

    Science.gov (United States)

    Jung, Minsoo

    2013-01-01

    This study examined the 2 preventive medicine journals in North Korea by using coauthor and keyword network analysis on the basis of medical informatics and bibliometrics. Used were the Journal of Chosun Medicine (JCM) and the Journal of Preventive Medicine (JPM) (from the first volume of 1997 to the fourth volume of 2006) as data. Extracted were 1734 coauthors from 1104 articles and 1567 coauthors from 1172 articles, respectively. Huge single components were extracted in the coauthor analysis, which indicated a tendency toward structuralization. However, the 2 journals differed in that JPM showed a relative tendency toward specialization, whereas JCM showed one toward generalization. Seventeen and 33 keywords were extracted from each journal in the keyword analysis; JCM mainly concerned pathological research, whereas JPM mainly concerned virus and basic medicine studies that were based on infection and immunity. In contrast to South Korea, North Korea has developed Juche medicine, which came from self-reliance ideology and gratuitous medical service. According to the present study, their ideology was embodied by the discovery of bacteria, study on immune system, and emphasis on pathology, on the basis of experimental epidemiology. However, insufficient research has been conducted thus far on population health and its related determinants.

  15. Assessing explicit error reporting in the narrative electronic medical record using keyword searching.

    Science.gov (United States)

    Cao, Hui; Stetson, Peter; Hripcsak, George

    2003-01-01

    Many types of medical errors occur in and outside of hospitals, some of which have very serious consequences and increase cost. Identifying errors is a critical step for managing and preventing them. In this study, we assessed the explicit reporting of medical errors in the electronic record. We used five search terms "mistake," "error," "incorrect," "inadvertent," and "iatrogenic" to survey several sets of narrative reports including discharge summaries, sign-out notes, and outpatient notes from 1991 to 2000. We manually reviewed all the positive cases and identified them based on the reporting of physicians. We identified 222 explicitly reported medical errors. The positive predictive value varied with different keywords. In general, the positive predictive value for each keyword was low, ranging from 3.4 to 24.4%. Therapeutic-related errors were the most common reported errors and these reported therapeutic-related errors were mainly medication errors. Keyword searches combined with manual review indicated some medical errors that were reported in medical records. It had a low sensitivity and a moderate positive predictive value, which varied by search term. Physicians were most likely to record errors in the Hospital Course and History of Present Illness sections of discharge summaries. The reported errors in medical records covered a broad range and were related to several types of care providers as well as non-health care professionals.

  16. Monetary policy and credit conditions: new evidence.

    OpenAIRE

    Steven Ongena

    1995-01-01

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

  17. Corporate financing and anticipated credit rating changes

    OpenAIRE

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

    2017-01-01

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

  18. Credit Risk Management in Chinese Banking Industry

    OpenAIRE

    Zhang, Lei

    2006-01-01

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

  19. Development of Consumer Credit Laws in Malaysia

    OpenAIRE

    Rahman, Ahmad Saufi Abdul

    2007-01-01

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

  20. Credit Constraints, Political Instability, and Capital Accumulation

    OpenAIRE

    Risto Herrala; Rima Turk-Ariss

    2013-01-01

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

  1. Multiple Layers of Credit and Mortgage Crises

    OpenAIRE

    Paula Hernandez-Verme

    2011-01-01

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

  2. Burnup credit activities in the United States

    International Nuclear Information System (INIS)

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

    2001-01-01

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

  3. Simulation study for the Stratospheric Inferred Wind (SIW) sub-millimeter limb sounder

    Science.gov (United States)

    Baron, Philippe; Murtagh, Donal; Eriksson, Patrick; Ochiai, Satoshi

    2017-04-01

    -and-aac-microtec-to-develop-the-innosat-platform-and-implement-its-first-mission-named-mats.html [2] Wu D., et al.: Mesospheric Doppler wind measurements from Aura Microwave Limb Sounder (MLS), Advanced in Space Research, 42, 1246-1252, 2008 [3] Baron P., et al.: Observation of horizontal winds in the middle-atmosphere between 30S and 55N during the northern winter 2009-2010, Atmospheric Chemistry and Physics 13(13), 6049-6064, 2013, doi:10.5194/acp-13-6049-2013 [4] Baron P., et al.: Definition of an uncooled submillimeter/terahertz limb sounder for measuring middle atmospheric winds, Proceedings of ESA Living Planet Symposium, Edinburgh, UK, 9-13 September 2013, (ESA SP-722, December 2013)

  4. THE COOPERATIVE CREDIT MUTUAL IN BRAZIL.

    Directory of Open Access Journals (Sweden)

    Laércio Baptista da Silva

    2013-06-01

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

  5. An endogenous model of the credit network

    Science.gov (United States)

    He, Jianmin; Sui, Xin; Li, Shouwei

    2016-01-01

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

  6. Phenomena and parameters important to burnup credit

    International Nuclear Information System (INIS)

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

    2001-01-01

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

  7. Space weather and HF propagation along different paths of the Russian chirp sounders network

    Science.gov (United States)

    Kurkin, V. I.; Litovkin, G. I.; Matyushonok, S. M.; Vertogradov, G. G.; Ivanov, V. A.; Poddelsky, I. N.; Rozanov, S. V.; Uryadov, V. P.

    This paper presents experimental data obtained on long paths (from 2200 km to 5700 km range) of Russian frequency modulated continues wave (chirp) sounders network for the period from 1998 to 2003. Four transmitters (near Magadan, Khabarovsk, Irkutsk, Norilsk) and four receivers (near Irkutsk, Yoshkar-Ola, Nizhny Novgorod, Rostov-on-Don) were combined into single network to investigate a influence of geomagnetic storms and substorms on HF propagation in Asian region of Russia. In this region the geographic latitudes are in greatest excess of magnetic latitudes. As a consequence, elements of the large-scale structure, such as the main ionospheric trough, and the zone of auroral ionization, are produced in the ionosphere at the background of a low electron ionization. Coordinated experiments were carried out using 3-day Solar-Geophysical activity forecast presented by NOAA Space Environment Center in Internet. Sounding operations were conducted in the frequency band 4 -- 30 MHz on a round-the-clock basis at 15-min intervals. Oblique-incidence sounding (OIS) ionograms were recorded during 5-7 days every season for some years. The comparison between experimental data and simulation of OIS ionograms using International Reference Ionospheric model (IRI-2001) allowed to estimate the forecast of HF propagation errors both under quiet condition and during geomagnetic disturbances. Strong deviations from median values of maximum observed frequencies on mid-latitude paths in daytime present a real challenge to ionospheric forecast. Subauroral and mid-latitude chirp-sounding paths run, respectively, near the northward and southward walls of the main ionospheric trough. This make sit possible to study the dynamics of the trough's boundaries under different geophysical conditions and assess the influence of ionization gradients and small-scale turbulence on HF signal characteristics. The signals off-great circle propagation were registered over a wide frequency range and for

  8. Validation of Aura Microwave Limb Sounder stratospheric water vapor measurements by the NOAA frost point hygrometer.

    Science.gov (United States)

    Hurst, Dale F; Lambert, Alyn; Read, William G; Davis, Sean M; Rosenlof, Karen H; Hall, Emrys G; Jordan, Allen F; Oltmans, Samuel J

    2014-02-16

    Differences between stratospheric water vapor measurements by NOAA frost point hygrometers (FPHs) and the Aura Microwave Limb Sounder (MLS) are evaluated for the period August 2004 through December 2012 at Boulder, Colorado, Hilo, Hawaii, and Lauder, New Zealand. Two groups of MLS profiles coincident with the FPH soundings at each site are identified using unique sets of spatiotemporal criteria. Before evaluating the differences between coincident FPH and MLS profiles, each FPH profile is convolved with the MLS averaging kernels for eight pressure levels from 100 to 26 hPa (~16 to 25 km) to reduce its vertical resolution to that of the MLS water vapor retrievals. The mean FPH - MLS differences at every pressure level (100 to 26 hPa) are well within the combined measurement uncertainties of the two instruments. However, the mean differences at 100 and 83 hPa are statistically significant and negative, ranging from -0.46 ± 0.22 ppmv (-10.3 ± 4.8%) to -0.10 ± 0.05 ppmv (-2.2 ± 1.2%). Mean differences at the six pressure levels from 68 to 26 hPa are on average 0.8% (0.04 ppmv), and only a few are statistically significant. The FPH - MLS differences at each site are examined for temporal trends using weighted linear regression analyses. The vast majority of trends determined here are not statistically significant, and most are smaller than the minimum trends detectable in this analysis. Except at 100 and 83 hPa, the average agreement between MLS retrievals and FPH measurements of stratospheric water vapor is better than 1%.

  9. Development and characterization of the superconducting integrated receiver channel of the TELIS atmospheric sounder

    Energy Technology Data Exchange (ETDEWEB)

    De Lange, Gert; Boersma, Dick; Dercksen, Johannes; Ermakov, Andrey B; Golstein, Hans; Hoogeveen, Ruud W M; De Jong, Leo; Khudchenko, Andrey V; Kinev, Nickolay V; Kiselev, Oleg S; Van Kuik, Bart; De Lange, Arno; Van Rantwijk, Joris; Selig, Avri M; De Vries, Ed [SRON Netherlands Institute for Space Research, PO Box 800, 9700 AV Groningen (Netherlands); Birk, Manfred [DLR German Aerospace Centre, Remote Sensing Technology Institute, D-82234 Wessling (Germany); Dmitriev, Pavel; Filippenko, Lyudmila V; Sobolev, Alexander S; Torgashin, Mikhail Yu, E-mail: G.de.Lange@sron.n, E-mail: valery@hitech.cplire.r [Kotel' nikov Institute of Radio Engineering and Electronics, Russian Academy of Science, 11/7 Mokhovaya Street, 125009, Moscow (Russian Federation)

    2010-04-15

    The balloon-borne instrument TELIS (TErahertz and submillimetre LImb Sounder) is a three-channel superconducting heterodyne spectrometer for atmospheric research use. It detects spectral emission lines of stratospheric trace gases that have their rotational transitions at THz frequencies. One of the channels is based on the superconducting integrated receiver (SIR) technology. We demonstrate for the first time the capabilities of the SIR technology for heterodyne spectroscopy in general, and atmospheric limb sounding in particular. We also show that the application of SIR technology is not limited to laboratory environments, but that it is well suited for remote operation under harsh environmental conditions. Within a SIR the main components needed for a superconducting heterodyne receiver such as a superconductor-insulator-superconductor (SIS) mixer with a quasi-optical antenna, a flux-flow oscillator (FFO) as the local oscillator, and a harmonic mixer to phase lock the FFO are integrated on a single chip. Light weight and low power consumption combined with broadband operation and nearly quantum limited sensitivity make the SIR a perfect candidate for use in future airborne and space-borne missions. The noise temperature of the SIR was measured to be as low as 120 K, with an intermediate frequency band of 4-8 GHz in double-sideband operation. The spectral resolution is well below 1 MHz, confirmed by our measurements. Remote control of the SIR under flight conditions has been demonstrated in a successful balloon flight in Kiruna, Sweden. The sensor and instrument design are presented, as well as the preliminary science results from the first flight.

  10. Satellite Atmospheric Sounder IRFS-2 1. Analysis of Outgoing Radiation Spectra Measurements

    Science.gov (United States)

    Polyakov, A. V.; Timofeyev, Yu. M.; Virolainen, Ya. A.; Uspensky, A. B.; Zavelevich, F. S.; Golovin, Yu. M.; Kozlov, D. A.; Rublev, A. N.; Kukharsky, A. V.

    2017-12-01

    The outgoing radiation spectra measured by the IRFS-2 spectrometer onboard Meteor-M no. 2 satellite have been analyzed. Some statistical parameters of more than 106 spectra measured in spring in 2015 have been calculated. The radiation brightness temperature varied from ˜300 K (surface temperature) up to ˜210 K (tropopause temperature). The quite high variability of the longwave measured radiation has been demonstrated. The signal-to-noise ratio distinctively decreases in the shortwave region (higher than 1300 cm-1). Intercomparisons of IR sounders IRFS-2 with IASI and CrIS spectra showed that the discrepancies in the average spectra and their variability do not exceed measurement errors in the spectral region 660-1300 cm-1. A comparison of specially chosen pairs of the simultaneously measured spectra showed that the differences between IRFS-2 and European instruments in the region of the 15-μm CO2 band and the transparency windows 8-12 μm are less than 1 mW/(m2 sr cm-1) and no more than the differences between the two IASI instruments (-A and -B). The differences between measured and simulated spectra are less than 1 mW/(m2 sr cm-1) in the mean part of CO2 band. However, starting from 720 cm-1, values appear that reach 2-4 mW/(m2 sr cm-1). This is caused by the absence of precise information about the surface temperature. Further investigations into the possible reasons for the observed disagreements are required in order to improve both the method of initial processing and the radiative model of the atmosphere.

  11. Development and characterization of the superconducting integrated receiver channel of the TELIS atmospheric sounder

    International Nuclear Information System (INIS)

    De Lange, Gert; Boersma, Dick; Dercksen, Johannes; Ermakov, Andrey B; Golstein, Hans; Hoogeveen, Ruud W M; De Jong, Leo; Khudchenko, Andrey V; Kinev, Nickolay V; Kiselev, Oleg S; Van Kuik, Bart; De Lange, Arno; Van Rantwijk, Joris; Selig, Avri M; De Vries, Ed; Birk, Manfred; Dmitriev, Pavel; Filippenko, Lyudmila V; Sobolev, Alexander S; Torgashin, Mikhail Yu

    2010-01-01

    The balloon-borne instrument TELIS (TErahertz and submillimetre LImb Sounder) is a three-channel superconducting heterodyne spectrometer for atmospheric research use. It detects spectral emission lines of stratospheric trace gases that have their rotational transitions at THz frequencies. One of the channels is based on the superconducting integrated receiver (SIR) technology. We demonstrate for the first time the capabilities of the SIR technology for heterodyne spectroscopy in general, and atmospheric limb sounding in particular. We also show that the application of SIR technology is not limited to laboratory environments, but that it is well suited for remote operation under harsh environmental conditions. Within a SIR the main components needed for a superconducting heterodyne receiver such as a superconductor-insulator-superconductor (SIS) mixer with a quasi-optical antenna, a flux-flow oscillator (FFO) as the local oscillator, and a harmonic mixer to phase lock the FFO are integrated on a single chip. Light weight and low power consumption combined with broadband operation and nearly quantum limited sensitivity make the SIR a perfect candidate for use in future airborne and space-borne missions. The noise temperature of the SIR was measured to be as low as 120 K, with an intermediate frequency band of 4-8 GHz in double-sideband operation. The spectral resolution is well below 1 MHz, confirmed by our measurements. Remote control of the SIR under flight conditions has been demonstrated in a successful balloon flight in Kiruna, Sweden. The sensor and instrument design are presented, as well as the preliminary science results from the first flight.

  12. Information Asymmetry and Credit Risk

    Directory of Open Access Journals (Sweden)

    Lorena TUPANGIU

    2017-11-01

    Full Text Available Information asymmetry defines relationships where an agent holds information while another does not hold it. Thus, to the extent that one of the parties to the financing agreement has information more or less accurate than another, the asymmetry of information appears to be a major constraint in the financing of a project. Banks, in their capacity of financial intermediary, operate the transfer of funds to agents in need of financing, to the borrowers, being necessary in this process to have more information in order to benefit of expertise in assessing borrowers. The research of information asymmetry and credit risk consists of interrogating the following aspects: information issues between the bank and borrowers; settlement of information issues; bank’s activism towards information asymmetry. In our approach we will look at the first aspect, namely the information issues between the bank and the borrowers.

  13. FACTORING- CREDIT OPPORTUNITIES IN ROMANIA

    Directory of Open Access Journals (Sweden)

    ADELA IONESCU

    2013-05-01

    Full Text Available Capital is the main factor of production, business development becomes virtually impossible without taking into account the financial market and the resources it provides to businesses. Any business, regardless of its degree of development, is involving direct contact with financial markets, namely the institutions that mediate mobilization of capital and the services they provide. Understanding the functioning of the financial system, the specific financial mechanisms through which savings are allocated to support capital investments and the costs and risks involved is essential for the development of a solid base for business. In this context, factoring operations can support economic agents, allowing a transfer of commercial receivables from their holder to a factor who commits to their recovery and guarantee such operations even if temporary or permanent insolvency of the debtor . Thus, factoring is a complex technique in at least two aspects, of the debt and the transfer of credit. . Factoring is a means of financing business, especially export-import transactions, less known in Romania. Maybe because of poor business environment popularize the term is as little known as it was a few years ago the leasing. Present in Romanian legislation since 2002, factoring appears as a contract between one party (called adherent, providing goods or service and a banking company or a financial institution specialized (called factor, which the last one shall finance debts pursuing and preservation against credit risks and adherent gives factor by way of sale, debts arising from the sale of goods or services to third parties. The article is divided into three parts. In the first part we defined the concept of factoring and international factoring, then I presented the advantages and development of factoring in Romania, and the last part conclusions.

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

    OpenAIRE

    MACHIN, Richard

    2017-01-01

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

  15. Metadata Effectiveness in Internet Discovery: An Analysis of Digital Collection Metadata Elements and Internet Search Engine Keywords

    Science.gov (United States)

    Yang, Le

    2016-01-01

    This study analyzed digital item metadata and keywords from Internet search engines to learn what metadata elements actually facilitate discovery of digital collections through Internet keyword searching and how significantly each metadata element affects the discovery of items in a digital repository. The study found that keywords from Internet…

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

    Directory of Open Access Journals (Sweden)

    Ljubić Marijana

    2015-01-01

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

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

    OpenAIRE

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

    2014-01-01

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

  18. Cash flow vs. collateral-based credit: performance of micro, small and medium-sized firms in transition economies

    Czech Academy of Sciences Publication Activity Database

    Cassano, F.; Joeveer, K.; Švejnar, Jan

    2013-01-01

    Roč. 21, č. 2 (2013), s. 269-300 ISSN 0967-0750 Institutional support: RVO:67985998 Keywords : micro, small and medium-sized enterprises * bank credit * firm performance Subject RIV: AH - Economics Impact factor: 0.755, year: 2013

  19. Cash flow vs. collateral-based credit: performance of micro, small and medium-sized firms in transition economies

    Czech Academy of Sciences Publication Activity Database

    Cassano, F.; Joeveer, K.; Švejnar, Jan

    2013-01-01

    Roč. 21, č. 2 (2013), s. 269-300 ISSN 0967-0750 R&D Projects: GA ČR GAP402/10/2130 Institutional support: PRVOUK-P23 Keywords : micro, small and medium-sized enterprises * bank credit * firm performance Subject RIV: AH - Economics Impact factor: 0.755, year: 2013

  20. The Recent Trend in a Human Resource Management Journal: A Keyword Analysis

    Directory of Open Access Journals (Sweden)

    Muhammed Kürşad Özlen

    2014-07-01

    Full Text Available Continuous changes in technology, economic, social and psychological understandings and structures have influence on both Human Resources and their management. Organizations approach their human capital in a more sensitive way in order to win the loyalty and commitment of them, while increasing profit and maximizing the efficiency/effectiveness of its work power. Human Resources Management helps achieving these goals by recruiting, training, developing, motivating and rewarding employees. Therefore, the identification of current research interests is essential to lead them in defining organizational human resources strategies. The main purpose of this research is to identify top rated factors related to Human Resource Management by analyzing all the abstracts of the published papers in a Human Resource Management journal from the beginning of 2005 till the end of 2012. As a result of analyzing the keywords of all abstracts, the frequencies of the keyword categories are identified. Except the keywords related to Human Resources (17.6%, it is observed that the studies for the period consider the following: Employee rights and their career (18.3%, management (14.6%, contextual issues (10%, organizational strategies (9.5%, performance measurement and training (9.5%, behavioral issues and employee motivation (5.7, organizational culture (5.4%, technical issues (4.1%, etc. It should be noted that the researchers (a mainly stress on practice more than theory and (b consider the organization less than the individual. Interestingly, employee motivation is found to be less considered by the researchers. This study is believed to be useful for future studies and the industry by identifying the hot and top rated factors related to Human Resource Management.

  1. Novel keyword co-occurrence network-based methods to foster systematic reviews of scientific literature.

    Science.gov (United States)

    Radhakrishnan, Srinivasan; Erbis, Serkan; Isaacs, Jacqueline A; Kamarthi, Sagar

    2017-01-01

    Systematic reviews of scientific literature are important for mapping the existing state of research and highlighting further growth channels in a field of study, but systematic reviews are inherently tedious, time consuming, and manual in nature. In recent years, keyword co-occurrence networks (KCNs) are exploited for knowledge mapping. In a KCN, each keyword is represented as a node and each co-occurrence of a pair of words is represented as a link. The number of times that a pair of words co-occurs in multiple articles constitutes the weight of the link connecting the pair. The network constructed in this manner represents cumulative knowledge of a domain and helps to uncover meaningful knowledge components and insights based on the patterns and strength of links between keywords that appear in the literature. In this work, we propose a KCN-based approach that can be implemented prior to undertaking a systematic review to guide and accelerate the review process. The novelty of this method lies in the new metrics used for statistical analysis of a KCN that differ from those typically used for KCN analysis. The approach is demonstrated through its application to nano-related Environmental, Health, and Safety (EHS) risk literature. The KCN approach identified the knowledge components, knowledge structure, and research trends that match with those discovered through a traditional systematic review of the nanoEHS field. Because KCN-based analyses can be conducted more quickly to explore a vast amount of literature, this method can provide a knowledge map and insights prior to undertaking a rigorous traditional systematic review. This two-step approach can significantly reduce the effort and time required for a traditional systematic literature review. The proposed KCN-based pre-systematic review method is universal. It can be applied to any scientific field of study to prepare a knowledge map.

  2. Comparing Conventional Bank Credit Vis A Vis Shariah Bank Musharakah: Experimental Economic Approach

    Directory of Open Access Journals (Sweden)

    Muhamad Abduh

    2008-01-01

    Full Text Available Central Bank of Indonesia with dual banking system – i.e Shariah and Conventional Bank – keep on developing system that considered as an answer to generate the national economic growth. One of the banking activities that emphasized by the Central Bank of Indonesia is fund distribution through either conventional bank credit or shariah bank fi nancing. Having the Experimental Economic Approach based on Induced Value Theory and employing ANOVA, this paper found that shariah bank musharakah fi nancing system would come up with higher profi t opportunity compare to conventional credit system. One main reason is that musharakah fi nancing in shariah bank applies profi t and lost sharing (PLS scheme so that will not be a burden to the customer when he fi nd low profi t.Keywords: Credit Loan, Musharakah Financing, Induced Value Theory, Experimental Economic Approach, Analysis of Variance (ANOVA.

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

    Science.gov (United States)

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

    2010-01-01

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

  4. 12 CFR 615.5172 - Production credit association and agricultural credit association investment in farmers' notes...

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

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

    2011-01-01

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

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

    Science.gov (United States)

    Pathak, Arohi; Keenan, Nancy

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

  7. Statistics of co-occurring keywords in confined text messages on Twitter

    Science.gov (United States)

    Mathiesen, J.; Angheluta, L.; Jensen, M. H.

    2014-09-01

    Online social media such as the micro-blogging site Twitter has become a rich source of real-time data on online human behaviors. Here we analyze the occurrence and co-occurrence frequency of keywords in user posts on Twitter. From the occurrence rate of major international brand names, we provide examples of predictions of brand-user behaviors. From the co-occurrence rates, we further analyze the user-perceived relationships between international brand names and construct the corresponding relationship networks. In general the user activity on Twitter is highly intermittent and we show that the occurrence rate of brand names forms a highly correlated time signal.

  8. A User-Friendly, Keyword-Searchable Database of Geoscientific References Through 2007 for Afghanistan

    Science.gov (United States)

    Eppinger, Robert G.; Sipeki, Julianna; Scofield, M.L. Sco

    2008-01-01

    This report includes a document and accompanying Microsoft Access 2003 database of geoscientific references for the country of Afghanistan. The reference compilation is part of a larger joint study of Afghanistan?s energy, mineral, and water resources, and geologic hazards currently underway by the U.S. Geological Survey, the British Geological Survey, and the Afghanistan Geological Survey. The database includes both published (n = 2,489) and unpublished (n = 176) references compiled through calendar year 2007. The references comprise two separate tables in the Access database. The reference database includes a user-friendly, keyword-searchable interface and only minimum knowledge of the use of Microsoft Access is required.

  9. Statistics of co-occurring keywords in confined text messages on Twitter

    DEFF Research Database (Denmark)

    Mathiesen, Joachim; Angheluta, L.; Jensen, M. H.

    2014-01-01

    Online social media such as the micro-blogging site Twitter has become a rich source of real-time data on online human behaviors. Here we analyze the occurrence and co-occurrence frequency of keywords in user posts on Twitter. From the occurrence rate of major international brand names, we provide...... examples of predictions of brand-user behaviors. From the co-occurrence rates, we further analyze the user-perceived relationships between international brand names and construct the corresponding relationship networks. In general the user activity on Twitter is highly intermittent and we show...

  10. Credit shocks in the financial deregulatory era: not the usual suspects

    Czech Academy of Sciences Publication Activity Database

    Benk, S.; Gillman, M.; Kejak, Michal

    2005-01-01

    Roč. 8, č. 3 (2005), s. 668-687 ISSN 1094-2025 R&D Projects: GA ČR GA402/05/2172 Institutional research plan: CEZ:AV0Z70850503 Keywords : business cycle * credit shocks * financial deregulation Subject RIV: AH - Economics Impact factor: 0.483, year: 2005 http://dx.doi.org/10.1016/j.red.2005.01.012

  11. Term Structure of Credit Spreads of A Firm When Its Underlying Assets are Discontinuous

    Directory of Open Access Journals (Sweden)

    Budhi Arta Surya

    2012-01-01

    Full Text Available We revisit the previous works of Leland [12], Leland and Toft [11] andHilberink and Rogers [7] on optimal capital structure and show that thecredit spreads of short-maturity corporate bonds can have nonzero valueswhen the underlying of the firm’s assets value has downward jumps. We givean analytical treatment of this fact under a general Levy process and discusssome numerical examples under pure jump processes.Keywords: Optimal capital structure, credit risk, term structure of creditspread

  12. The binding credit constraints and the welfare effects of housing price appreciation

    Czech Academy of Sciences Publication Activity Database

    Tsharakyan, Ashot; Janíčko, M.

    2010-01-01

    Roč. 19, č. 4 (2010), s. 359-382 ISSN 1210-0455 R&D Projects: GA MŠk LC542 Institutional research plan: CEZ:AV0Z70850503 Keywords : aggregate welfare * binding credit constraints * demand and supply side shocks Subject RIV: AH - Economics Impact factor: 0.390, year: 2010 http://www.vse.cz/polek/download.php?jnl=pep&pdf=382.pdf

  13. Identification of Critical Design Points for the EAP of a Space-based Doppler Lidar Wind Sounder

    Science.gov (United States)

    Emmitt, G. D.; Wood, S. A.

    1992-01-01

    The feasibility of making tropospheric wind measurements with a space-based Doppler lidar was studied by a number of agencies over the past 10-15 years. Currently NASA has a plan to launch such an instrument, the Laser Atmospheric Wind Sounder (LAWS), within the next decade. The design of the LAWS continues to undergo a series of iterations common to most instruments targeted for a space platform. In general, the constraints of available platform power, weight allowance, and project funds continue to change. With these changes the performance and design specifications also must change.

  14. Adam Smith, Religion, and Tuition Tax Credits.

    Science.gov (United States)

    Alexander, Kern

    1983-01-01

    Examines tuition tax credit programs in framework of Adam Smith's ideas on the economic impact of established churches. Finds that tuition tax credits would amount to state expenditures to relieve the financial burden of parochial school parents and would allow churches to invest commercially to maintain their charitable functions. (JW)

  15. College Student Performance and Credit Card Usage.

    Science.gov (United States)

    Pinto, Mary Beth; Parente, Diane H.; Palmer, Todd Starr

    2001-01-01

    Examines the relationship between credit card usage, employment, and academic performance among a group of college students with credit cards. Results reveal that the students differed significantly in the level of anxiety felt from carrying debt, perceived need to work, and perceived impact of employment on academic performance. (Contains 57…

  16. Dynamic Dependence and Diversification in Corporate Credit

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Jacobs, Kris; Jin, Xisong

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

  17. 76 FR 41590 - Equal Credit Opportunity

    Science.gov (United States)

    2011-07-15

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

  18. 76 FR 13896 - Equal Credit Opportunity

    Science.gov (United States)

    2011-03-15

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

  19. Overcoming credit card fraud in South Africa

    African Journals Online (AJOL)

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

  20. Are Credit Shocks Supply or Demand Shocks?

    OpenAIRE

    Bijapur, Mohan

    2013-01-01

    This paper provides new insights into the relationship between the supply of credit and the macroeconomy. We present evidence that credit shocks constitute shocks to aggregate supply in that they have a permanent effect on output and cause inflation to rise in the short term. Our results also suggest that the effects on aggregate supply have grown stronger in recent decades.

  1. Potentials in Asian Export Credit Cooperation

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

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

  2. Tiebreaker: Certification and Multiple Credit Ratings

    NARCIS (Netherlands)

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

    2008-01-01

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

  3. Tiebreaker: Certification and multiple credit ratings

    NARCIS (Netherlands)

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

    2009-01-01

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

  4. Trade credit, collateral liquidation, and borrowing constraints

    NARCIS (Netherlands)

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

    2010-01-01

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

  5. 75 FR 49510 - Credit Watch Termination Initiative

    Science.gov (United States)

    2010-08-13

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

  6. 75 FR 17944 - Credit Watch Termination Initiative

    Science.gov (United States)

    2010-04-08

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

  7. MBS Ratings and the Mortgage Credit Boom

    NARCIS (Netherlands)

    Ashcraft, A.; Goldsmith-Pinkham, P.; Vickery, J.

    2010-01-01

    We study credit ratings on subprime and Alt-A mortgage-backed securities (MBS) deals issued between 2001 and 2007, the period leading up to the subprime crisis. The fraction of highly-rated securities in each deal is decreasing in mortgage credit risk (measured either ex-ante or ex-post), suggesting

  8. The Credit Hour and Public Budgeting.

    Science.gov (United States)

    Wellman, Jane V.

    2003-01-01

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

  9. Forecasting the value of credit scoring

    Science.gov (United States)

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

    2017-08-01

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

  10. CONTINGENCIES FOR MEASUREMENT OF THE CREDIT RISK

    Directory of Open Access Journals (Sweden)

    Marinela BARBULESCU

    2015-12-01

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

  11. Credit Ratings and Bank Monitoring Ability

    NARCIS (Netherlands)

    Nakamura, L.I.; Roszbach, K.

    2010-01-01

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

  12. Facilitating SME Financing through Improved Credit Reporting

    OpenAIRE

    International Committee on Credit Reporting

    2014-01-01

    The general principles for credit reporting were issued by the World Bank in September 2011. Since then, the World Bank and the international committee on credit reporting (ICCR) have been leading efforts towards the implementation of the general principles worldwide. This report is one of the concrete outputs of the work following the general principles. It addresses one of the most signi...

  13. Credit Risk Evaluation : Modeling - Analysis - Management

    OpenAIRE

    Wehrspohn, Uwe

    2002-01-01

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

  14. Facilitation of receptive and productive foreign vocabulary learning using the keyword method: the role of image quality.

    Science.gov (United States)

    Beaton, Alan A; Gruneberg, Michael M; Hyde, Christopher; Shufflebottom, Alex; Sykes, Robert N

    2005-07-01

    Ellis and Beaton (1993a) reported that the keyword method of learning enhanced memory of foreign vocabulary items when receptive learning was measured. However, for productive learning, rote repetition was superior to the keyword method. The first two experiments reported here show that, in comparison with rote repetition, both receptive and productive learning can be enhanced by the keyword method, provided that the quality of the keyword images is adequate. In a third experiment using a subset of words from Ellis and Beaton (1993a), the finding they reported, that for productive learning rote repetition was superior to the keyword method, was reversed. The quality of keyword images will vary from study to study and any generalisation regarding the efficacy of the keyword method must take this into account.

  15. Hybrid ontology for semantic information retrieval model using keyword matching indexing system.

    Science.gov (United States)

    Uthayan, K R; Mala, G S Anandha

    2015-01-01

    Ontology is the process of growth and elucidation of concepts of an information domain being common for a group of users. Establishing ontology into information retrieval is a normal method to develop searching effects of relevant information users require. Keywords matching process with historical or information domain is significant in recent calculations for assisting the best match for specific input queries. This research presents a better querying mechanism for information retrieval which integrates the ontology queries with keyword search. The ontology-based query is changed into a primary order to predicate logic uncertainty which is used for routing the query to the appropriate servers. Matching algorithms characterize warm area of researches in computer science and artificial intelligence. In text matching, it is more dependable to study semantics model and query for conditions of semantic matching. This research develops the semantic matching results between input queries and information in ontology field. The contributed algorithm is a hybrid method that is based on matching extracted instances from the queries and information field. The queries and information domain is focused on semantic matching, to discover the best match and to progress the executive process. In conclusion, the hybrid ontology in semantic web is sufficient to retrieve the documents when compared to standard ontology.

  16. PANDORA: keyword-based analysis of protein sets by integration of annotation sources.

    Science.gov (United States)

    Kaplan, Noam; Vaaknin, Avishay; Linial, Michal

    2003-10-01

    Recent advances in high-throughput methods and the application of computational tools for automatic classification of proteins have made it possible to carry out large-scale proteomic analyses. Biological analysis and interpretation of sets of proteins is a time-consuming undertaking carried out manually by experts. We have developed PANDORA (Protein ANnotation Diagram ORiented Analysis), a web-based tool that provides an automatic representation of the biological knowledge associated with any set of proteins. PANDORA uses a unique approach of keyword-based graphical analysis that focuses on detecting subsets of proteins that share unique biological properties and the intersections of such sets. PANDORA currently supports SwissProt keywords, NCBI Taxonomy, InterPro entries and the hierarchical classification terms from ENZYME, SCOP and GO databases. The integrated study of several annotation sources simultaneously allows a representation of biological relations of structure, function, cellular location, taxonomy, domains and motifs. PANDORA is also integrated into the ProtoNet system, thus allowing testing thousands of automatically generated clusters. We illustrate how PANDORA enhances the biological understanding of large, non-uniform sets of proteins originating from experimental and computational sources, without the need for prior biological knowledge on individual proteins.

  17. Sovereign Credit Risk, Liquidity and ECB Intervention

    DEFF Research Database (Denmark)

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

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

  18. Models for assessing and managing credit risk

    Directory of Open Access Journals (Sweden)

    Neogradi Slađana

    2014-01-01

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

  19. Credit scoring analysis using kernel discriminant

    Science.gov (United States)

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

    2018-05-01

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

  20. Issues for effective implementation of burnup credit

    International Nuclear Information System (INIS)

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

    2001-01-01

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

  1. Tight gas sand tax credit yields opportunities

    International Nuclear Information System (INIS)

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

    1991-01-01

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

  2. AVOIDING RISK IN WORKING CAPITAL CREDIT DISTRIBUTION IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Aloysius Deno Hervino

    2011-09-01

    Full Text Available This research analyzes risk avoidance behaviour of banking institutions in distributing working capital loan in Indonesia. Using Autoregressive Distributed Lag Error Correction Model, this paper uncovers three findings. First, in the short run, risk avoidance in working capital loan distribution depends on inter-call banking money market and Sertifikat Bank Indonesia. Second, following banking regulation after 1997 crisis, banks have become more careful in distributing credits, with SBI as a substitution instrument and inter-call banking money market as a complement instrument to spread the risk. Third, all explanatory variables take an average of 6 days or 1 week to influence bank’s risk avoidance behaviour.Keywords:     Risk avoidance, working capital distribution, banking institutions JEL classification numbers: C32, C52, D81, E51

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

    Directory of Open Access Journals (Sweden)

    Francesco Dainelli

    2013-03-01

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

  4. 12 CFR 226.12 - Special credit card provisions.

    Science.gov (United States)

    2010-01-01

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

  5. 12 CFR 614.4720 - Letters of credit.

    Science.gov (United States)

    2010-01-01

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

  6. 12 CFR 619.9145 - Farm Credit Bank.

    Science.gov (United States)

    2010-01-01

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

  7. 12 CFR 704.6 - Credit risk management.

    Science.gov (United States)

    2010-01-01

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

  8. Regional Precipitation Forecast with Atmospheric InfraRed Sounder (AIRS) Profile Assimilation

    Science.gov (United States)

    Chou, S.-H.; Zavodsky, B. T.; Jedloved, G. J.

    2010-01-01

    Advanced technology in hyperspectral sensors such as the Atmospheric InfraRed Sounder (AIRS; Aumann et al. 2003) on NASA's polar orbiting Aqua satellite retrieve higher vertical resolution thermodynamic profiles than their predecessors due to increased spectral resolution. Although these capabilities do not replace the robust vertical resolution provided by radiosondes, they can serve as a complement to radiosondes in both space and time. These retrieved soundings can have a significant impact on weather forecasts if properly assimilated into prediction models. Several recent studies have evaluated the performance of specific operational weather forecast models when AIRS data are included in the assimilation process. LeMarshall et al. (2006) concluded that AIRS radiances significantly improved 500 hPa anomaly correlations in medium-range forecasts of the Global Forecast System (GFS) model. McCarty et al. (2009) demonstrated similar forecast improvement in 0-48 hour forecasts in an offline version of the operational North American Mesoscale (NAM) model when AIRS radiances were assimilated at the regional scale. Reale et al. (2008) showed improvements to Northern Hemisphere 500 hPa height anomaly correlations in NASA's Goddard Earth Observing System Model, Version 5 (GEOS-5) global system with the inclusion of partly cloudy AIRS temperature profiles. Singh et al. (2008) assimilated AIRS temperature and moisture profiles into a regional modeling system for a study of a heavy rainfall event during the summer monsoon season in Mumbai, India. This paper describes an approach to assimilate AIRS temperature and moisture profiles into a regional configuration of the Advanced Research Weather Research and Forecasting (WRF-ARW) model using its three-dimensional variational (3DVAR) assimilation system (WRF-Var; Barker et al. 2004). Section 2 describes the AIRS instrument and how the quality indicators are used to intelligently select the highest-quality data for assimilation

  9. Assimilation of Atmospheric InfraRed Sounder (AIRS) Profiles using WRF-Var

    Science.gov (United States)

    Zavodsky, Brad; Jedlovec, Gary J.; Lapenta, William

    2008-01-01

    The Weather Research and Forecasting (WRF) model contains a three-dimensional variational (3DVAR) assimilation system (WRF-Var), which allows a user to join data from multiple sources into one coherent analysis. WRF-Var combines observations with a background field traditionally generated using a previous model forecast through minimization of a cost function. In data sparse regions, remotely-sensed observations may be able to improve analyses and produce improved forecasts. One such source comes from the Atmospheric Infrared Sounder (AIRS), which together with the Advanced Microwave Sounding Unit (AMSU), represents one of the most advanced space-based atmospheric sounding systems. The combined AIRS/AMSU system provides radiance measurements used as input to a sophisticated retrieval scheme which has been shown to produce temperature profiles with an accuracy of 1 K over 1 km layers and humidity profiles with accuracy of 15% in 2 km layers in both clear and partly cloudy conditions. The retrieval algorithm also provides estimates of the accuracy of the retrieved values at each pressure level, allowing the user to select profiles based on the required error tolerances of the application. The purpose of this paper is to describe a procedure to optimally assimilate high-resolution AIRS profile data into a regional configuration of the Advanced Research WRF (ARW) version 2.2 using WRF-Var. The paper focuses on development of background error covariances for the regional domain and background field type using gen_be and an optimal methodology for ingesting AIRS temperature and moisture profiles as separate overland and overwater retrievals with different error characteristics in the WRF-Var. The AIRS thermodynamic profiles are obtained from the version 5.0 Earth Observing System (EOS) science team retrieval algorithm and contain information about the quality of each temperature layer. The quality indicators are used to select the highest quality temperature and moisture

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

    Directory of Open Access Journals (Sweden)

    Nguyen Anh Hoang

    2014-10-01

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

  11. The Impact of Indonesia Sovereign Credit Rating Upgrades and Investment Grade Status on the Sovereign Spread Changes

    Directory of Open Access Journals (Sweden)

    Dwi Anggi Novianti

    2013-01-01

    Full Text Available Getting sovereign credit rating upgrades and achieving investment grade status are main goals for countries in order to gain lower yield spread and cost of borrowing. By using ordinary least square method, this research is aimed to analyze the impact of Indonesia sovereign credit rating up-grade and investment grade status on sovereign spread changes. The result shows that the sovereign credit rating upgrades within speculative grade category and investment grade status for Indonesia do not significantly impact sovereign spread reduction. On the other hand, the global condition, especially global risk appetite, has significant impact to Indonesia sovereign yield spread. The research also indicates that Indonesia macroeconomic fundamentals do not significantly explain the movement of sovereign yield spread. Keywords: Yield spread, sovereign credit rating, investment grade, Indonesia

  12. A study of practical proxy reencryption with a keyword search scheme considering cloud storage structure.

    Science.gov (United States)

    Lee, Sun-Ho; Lee, Im-Yeong

    2014-01-01

    Data outsourcing services have emerged with the increasing use of digital information. They can be used to store data from various devices via networks that are easy to access. Unlike existing removable storage systems, storage outsourcing is available to many users because it has no storage limit and does not require a local storage medium. However, the reliability of storage outsourcing has become an important topic because many users employ it to store large volumes of data. To protect against unethical administrators and attackers, a variety of cryptography systems are used, such as searchable encryption and proxy reencryption. However, existing searchable encryption technology is inconvenient for use in storage outsourcing environments where users upload their data to be shared with others as necessary. In addition, some existing schemes are vulnerable to collusion attacks and have computing cost inefficiencies. In this paper, we analyze existing proxy re-encryption with keyword search.

  13. A Privacy-Preserving Intelligent Medical Diagnosis System Based on Oblivious Keyword Search

    Directory of Open Access Journals (Sweden)

    Zhaowen Lin

    2017-01-01

    Full Text Available One of the concerns people have is how to get the diagnosis online without privacy being jeopardized. In this paper, we propose a privacy-preserving intelligent medical diagnosis system (IMDS, which can efficiently solve the problem. In IMDS, users submit their health examination parameters to the server in a protected form; this submitting process is based on Paillier cryptosystem and will not reveal any information about their data. And then the server retrieves the most likely disease (or multiple diseases from the database and returns it to the users. In the above search process, we use the oblivious keyword search (OKS as a basic framework, which makes the server maintain the computational ability but cannot learn any personal information over the data of users. Besides, this paper also provides a preprocessing method for data stored in the server, to make our protocol more efficient.

  14. The Influence of Reference Corpus Size on Wordsmith Tools Keywords Extraction

    Directory of Open Access Journals (Sweden)

    Tony Berber Sardinha

    2012-05-01

    Full Text Available A KeyWords analysis (using WordSmith Tools enables the discovery of lexical items which reveal the main lexical sets in a text or corpus. Such an analysis requires that a reference corpus be compared to the corpus the researcher intends to describe (the study corpus. This paper presents a mathematical method for finding out the influence of reference corpus size on the number of key words extracted by the program. The results reveal that a reference corpus that is at least five times as large as the study corpus allows for drawing an amount of key words that is statistically equivalent to larger reference corpora, thus suggesting five times (as larger as the study corpora as the minimum order of magnitude for reference corpora.

  15. A Study of Practical Proxy Reencryption with a Keyword Search Scheme considering Cloud Storage Structure

    Directory of Open Access Journals (Sweden)

    Sun-Ho Lee

    2014-01-01

    Full Text Available Data outsourcing services have emerged with the increasing use of digital information. They can be used to store data from various devices via networks that are easy to access. Unlike existing removable storage systems, storage outsourcing is available to many users because it has no storage limit and does not require a local storage medium. However, the reliability of storage outsourcing has become an important topic because many users employ it to store large volumes of data. To protect against unethical administrators and attackers, a variety of cryptography systems are used, such as searchable encryption and proxy reencryption. However, existing searchable encryption technology is inconvenient for use in storage outsourcing environments where users upload their data to be shared with others as necessary. In addition, some existing schemes are vulnerable to collusion attacks and have computing cost inefficiencies. In this paper, we analyze existing proxy re-encryption with keyword search.

  16. Secure Multi-Keyword Search with User/Owner-side Efficiency in the Cloud

    Directory of Open Access Journals (Sweden)

    LEE, Y.

    2016-05-01

    Full Text Available As the amount of data in the cloud grows, ranked search system, the similarity of a query to data is ranked, are of significant importance. on the other hand, to protect privacy, searchable encryption system are being actively studied. In this paper, we present a new similarity-based multi-keyword search scheme for encrypted data. This scheme provides high flexibility in the pre- and post-processing of encrypted data, including splitting stem/suffix and computing from the encrypted index-term matrix, demonstrated to support Latent Semantic Indexing(LSI. On the client side, the computation and communication costs are one to two orders of magnitude lower than those of previous methods, as demonstrated in the experimental results. we also provide a security analysis of the proposed scheme.

  17. Multi-stream LSTM-HMM decoding and histogram equalization for noise robust keyword spotting.

    Science.gov (United States)

    Wöllmer, Martin; Marchi, Erik; Squartini, Stefano; Schuller, Björn

    2011-09-01

    Highly spontaneous, conversational, and potentially emotional and noisy speech is known to be a challenge for today's automatic speech recognition (ASR) systems, which highlights the need for advanced algorithms that improve speech features and models. Histogram Equalization is an efficient method to reduce the mismatch between clean and noisy conditions by normalizing all moments of the probability distribution of the feature vector components. In this article, we propose to combine histogram equalization and multi-condition training for robust keyword detection in noisy speech. To better cope with conversational speaking styles, we show how contextual information can be effectively exploited in a multi-stream ASR framework that dynamically models context-sensitive phoneme estimates generated by a long short-term memory neural network. The proposed techniques are evaluated on the SEMAINE database-a corpus containing emotionally colored conversations with a cognitive system for "Sensitive Artificial Listening".

  18. A Step Beyond Simple Keyword Searches: Services Enabled by a Full Content Digital Journal Archive

    Science.gov (United States)

    Boccippio, Dennis J.

    2003-01-01

    The problems of managing and searching large archives of scientific journal articles can potentially be addressed through data mining and statistical techniques matured primarily for quantitative scientific data analysis. A journal paper could be represented by a multivariate descriptor, e.g., the occurrence counts of a number key technical terms or phrases (keywords), perhaps derived from a controlled vocabulary ( e . g . , the American Meteorological Society's Glossary of Meteorology) or bootstrapped from the journal archive itself. With this technique, conventional statistical classification tools can be leveraged to address challenges faced by both scientists and professional societies in knowledge management. For example, cluster analyses can be used to find bundles of "most-related" papers, and address the issue of journal bifurcation (when is a new journal necessary, and what topics should it encompass). Similarly, neural networks can be trained to predict the optimal journal (within a society's collection) in which a newly submitted paper should be published. Comparable techniques could enable very powerful end-user tools for journal searches, all premised on the view of a paper as a data point in a multidimensional descriptor space, e.g.: "find papers most similar to the one I am reading", "build a personalized subscription service, based on the content of the papers I am interested in, rather than preselected keywords", "find suitable reviewers, based on the content of their own published works", etc. Such services may represent the next "quantum leap" beyond the rudimentary search interfaces currently provided to end-users, as well as a compelling value-added component needed to bridge the print-to-digital-medium gap, and help stabilize professional societies' revenue stream during the print-to-digital transition.

  19. Space Electron Density Gradient Studies using a 3D Embedded Reconfigurable Sounder and ESA/NASA CLUSTER Mission

    Science.gov (United States)

    Dekoulis, George

    2016-07-01

    This paper provides a direct comparison between data captured by a new embedded reconfigurable digital sounder, different ground-based ionospheric sounders spread around Europe and the ESA/NASA CLUSTER mission. The CLUSTER mission consists of four identical space probes flying in a formation that allows measurements of the electron density gradient in the local magnetic field. Both the ground-based and the spacecraft instrumentations assist in studying the motion, geometry and boundaries of the plasmasphere. The comparison results are in accordance to each other. Some slight deviations among the captured data were expected from the beginning of this investigation. These small discrepancies are reasonable and seriatim analyzed. The results of this research are significant, since the level of the plasma's ionization, which is related to the solar activity, dominates the propagation of electromagnetic waves through it. Similarly, unusually high solar activity presents serious hazards to orbiting satellites, spaceborne instrumentation, satellite communications and infrastructure located on the Earth's surface. Long-term collaborative study of the data is required to continue, in order to identify and determine the enhanced risk in advance. This would allow scientists to propose an immediate cure.

  20. Impact of advanced technology microwave sounder data in the NCMRWF 4D-VAR data assimilation system

    Science.gov (United States)

    Rani, S. Indira; Srinivas, D.; Mallick, Swapan; George, John P.

    2016-05-01

    This study demonstrates the added benefits of assimilating the Advanced Technology Microwave Sounder (ATMS) radiances from the Suomi-NPP satellite in the NCMRWF Unified Model (NCUM). ATMS is a cross-track scanning microwave radiometer inherited the legacy of two very successful instrument namely, Advanced Microwave Sounding Unit-A (AMSU-A) and Microwave Humidity Sounder (MHS). ATMS has 22 channels: 11 temperature sounding channels around 50-60 GHz oxygen band and 6 moisture sounding channels around the 183GHz water vapour band in addition to 5 channels sensitive to the surface in clear conditions, or to water vapour, rain, and cloud when conditions are not clear (at 23, 31, 50, 51 and 89 GHz). Before operational assimilation of any new observation by NWP centres it is standard practice to assess data quality with respect to NWP model background (short-forecast) fields. Quality of all channels is estimated against the model background and the biases are computed and compared against that from the similar observations. The impact of the ATMS data on global analyses and forecasts is tested by adding the ATMS data in the NCUM Observation Processing system (OPS) and 4D-Var variational assimilation (VAR) system. This paper also discusses the pre-operational numerical experiments conducted to assess the impact of ATMS radiances in the NCUM assimilation system. It is noted that the performance of ATMS is stable and it contributes to the performance of the model, complimenting observations from other instruments.

  1. Credit risk assessment: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-08-01

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

  2. Acquired Credit Unions: Drivers of Takeover

    Directory of Open Access Journals (Sweden)

    R. Raymond Sant

    2015-08-01

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

  3. Value of burnup credit beyond actinides

    International Nuclear Information System (INIS)

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

    1997-01-01

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

  4. 76 FR 40946 - WNC Tax Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC...

    Science.gov (United States)

    2011-07-12

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

  5. A review of results of the international ionospheric Doppler sounder network

    Czech Academy of Sciences Publication Activity Database

    Laštovička, Jan; Chum, Jaroslav

    2017-01-01

    Roč. 60, č. 8 (2017), s. 1629-1643 ISSN 0273-1177 R&D Projects: GA ČR(CZ) GC15-07281J Institutional support: RVO:68378289 Keywords : ionospheric Doppler shift sounding * gravity waves * infrasound * solar forcing Subject RIV: DG - Athmosphere Sciences, Meteorology OBOR OECD: Meteorology and atmospheric sciences Impact factor: 1.401, year: 2016 http://www.sciencedirect.com/science/article/pii/S0273117717300790?via%3Dihub

  6. Transitive Credit and JSON-LD

    Directory of Open Access Journals (Sweden)

    Daniel S. Katz

    2015-11-01

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

  7. Credit Spreads Across the Business Cycle

    DEFF Research Database (Denmark)

    Nielsen, Mads Stenbo

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

  8. A dynamic model of unsecured credit

    OpenAIRE

    Daniel R. Sanches

    2010-01-01

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

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

    African Journals Online (AJOL)

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

  10. 5 CFR 610.408 - Use of credit hours.

    Science.gov (United States)

    2010-01-01

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

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

    African Journals Online (AJOL)

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

  12. The Interaction Network Ontology-supported modeling and mining of complex interactions represented with multiple keywords in biomedical literature.

    Science.gov (United States)

    Özgür, Arzucan; Hur, Junguk; He, Yongqun

    2016-01-01

    The Interaction Network Ontology (INO) logically represents biological interactions, pathways, and networks. INO has been demonstrated to be valuable in providing a set of structured ontological terms and associated keywords to support literature mining of gene-gene interactions from biomedical literature. However, previous work using INO focused on single keyword matching, while many interactions are represented with two or more interaction keywords used in combination. This paper reports our extension of INO to include combinatory patterns of two or more literature mining keywords co-existing in one sentence to represent specific INO interaction classes. Such keyword combinations and related INO interaction type information could be automatically obtained via SPARQL queries, formatted in Excel format, and used in an INO-supported SciMiner, an in-house literature mining program. We studied the gene interaction sentences from the commonly used benchmark Learning Logic in Language (LLL) dataset and one internally generated vaccine-related dataset to identify and analyze interaction types containing multiple keywords. Patterns obtained from the dependency parse trees of the sentences were used to identify the interaction keywords that are related to each other and collectively represent an interaction type. The INO ontology currently has 575 terms including 202 terms under the interaction branch. The relations between the INO interaction types and associated keywords are represented using the INO annotation relations: 'has literature mining keywords' and 'has keyword dependency pattern'. The keyword dependency patterns were generated via running the Stanford Parser to obtain dependency relation types. Out of the 107 interactions in the LLL dataset represented with two-keyword interaction types, 86 were identified by using the direct dependency relations. The LLL dataset contained 34 gene regulation interaction types, each of which associated with multiple keywords. A

  13. Prefrontal system dysfunction and credit card debt.

    Science.gov (United States)

    Spinella, Marcello; Yang, Bijou; Lester, David

    2004-10-01

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

  14. College Student Credit Card Usage and Debt.

    Science.gov (United States)

    Rybka, Kathryn M.

    2001-01-01

    Provides an overview of the concerns related to credit card usage by college students. Offers information student affairs professionals can use to help college students make responsible choices. (Contains 26 references.) (GCP)

  15. Securitization, Credit Rating and Issuers’ Characteristics

    Directory of Open Access Journals (Sweden)

    Mauricio Palmada Fernandes

    2014-01-01

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

  16. College credit for in-house training

    International Nuclear Information System (INIS)

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

    1981-01-01

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

  17. Credit risk management in the power sector

    International Nuclear Information System (INIS)

    Allen, D.

    2002-01-01

    Deregulation of the electric power industry has the potential to put power businesses at market risk particularly when the value of an asset or liability will change with market movements. Market risk gives rise to credit risk where a contract cannot be fulfilled. This presentation describes how credit risks can be identified and measured. Most practitioners use some variant of value-at-risk (VAR) technology for measuring market risk. Under this approach, risk is determined by the volatility implied by the market. Volatility of electricity prices and natural gas prices has increased significantly in Alberta in recent years. The consequence is an increase in both market and credit risk. The author described the difference between the two risks and their significance. An overview of credit risk management with derivatives, an over-the counter contract, was also presented. The author also discusses issue of protection buyers in the event of a failed contract. 9 figs

  18. The market for tradable renewable energy credits

    International Nuclear Information System (INIS)

    Berry, David

    2002-01-01

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

  19. New Market Tax Credit Qualified Census Tract

    Data.gov (United States)

    Vermont Center for Geographic Information — The Community Development Financial Institutions (CDFI) Fund, a division of the US Department of the Treasury, administers the New Markets Tax Credit (NMTC). The...

  20. Emission credits : what are they worth?

    International Nuclear Information System (INIS)

    Wilman, E.A.

    2003-01-01

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