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Sample records for stamps food banks

  1. Food Stamps. Learning Packet No. 2.

    Science.gov (United States)

    American Bar Association, Washington, DC. Clearinghouse for Offender Literacy Programs.

    This package of instructional materials is designed to aid adults in prison to perform the functional skill of applying for food stamps. The materials consist of instructions for teachers, a sample application for food stamps, a student's work sheet and answer sheet, vocabulary flash cards, and resource materials on food stamps. (MKM)

  2. ANALYSIS OF FOOD STAMP PROGRAM PARTICIPATION AND FOOD EXPENDITURES

    OpenAIRE

    Smallwood, David M.; Blaylock, James R.

    1985-01-01

    A two equation model is developed to examine jointly the determinants of household food stamp program participation and program effects on food expenditures. The model is unique in that it postulates that the participation decision is based on a cost-benefit ratio, selected socioeconomic characteristics, and the potential for increasing both food and nonfood expenditures. Data from the 1977-78 USDA Nationwide Food Consumption Survey Supplemental Low Income Sample is used to estimate the model...

  3. Food Stamps and Food Insecurity: What Can Be Learned in the Presence of Nonclassical Measurement Error?

    Science.gov (United States)

    Gundersen, Craig; Kreider, Brent

    2008-01-01

    Policymakers have been puzzled to observe that food stamp households appear more likely to be food insecure than observationally similar eligible nonparticipating households. We reexamine this issue allowing for nonclassical reporting errors in food stamp participation and food insecurity. Extending the literature on partially identified…

  4. Food Stamp and School Lunch Programs Alleviate Food Insecurity in Rural America. Fact Sheet

    Science.gov (United States)

    Smith, Kristin; Savage, Sarah

    2007-01-01

    The Food Stamp and the National School Lunch Programs play a vital role in helping poor, rural Americans obtain a more nutritious diet and alleviate food insecurity and hunger. This fact sheet looks at the extent to which rural America depends on these programs and describes characteristics of beneficiaries of these federal nutrition assistance…

  5. Impacting Mediators of Change for Physical Activity among Elderly Food Stamp Recipients

    Science.gov (United States)

    Dye, Cheryl J.; Williams, Joel E.; Kemper, Karen A.; McGuire, Francis A.; Aybar-Damali, Begum

    2012-01-01

    A multidisciplinary team developed and pilot-tested a curriculum, delivered by trained lay educators, to increase self-efficacy for physical activity among elderly food stamp recipients. Curriculum development was guided by a comprehensive literature review. Process evaluation was used to revise the curriculum and to assess lay educator training…

  6. 75 FR 4911 - Food Stamp Program: Eligibility and Certification Provisions of the Farm Security and Rural...

    Science.gov (United States)

    2010-01-29

    .... Several commenters suggested that the Department amend the current regulations to clarify that human trafficking victims and certain family members are eligible for food stamps to ensure that victims and their...). The guidance reflects the requirements under the ``Trafficking Victims Protection Act of 2000'' (Pub...

  7. Do Food Stamps without Education Improve the Nutrient Intake and Food-Related Behaviors of Recipients? Food Assistance Needs of the South's Vulnerable Populations.

    Science.gov (United States)

    Cason, Katherine L.; Cox, Ruby H.; Burney, Janie L.

    This study examined the effect of food assistance on the dietary patterns of households in South Carolina, Tennessee, and Virginia. Data was collected from 6,969 participants in the Expanded Food and Nutrition Education Program (EFNEP) and 3,552 participants in the Food Stamp Nutrition Education Program (FSNEP). EFNEP and FSNEP teach low-income…

  8. Does the Food Stamp Program cause obesity? A realist review and a call for place-based research.

    Science.gov (United States)

    DeBono, Nathaniel L; Ross, Nancy A; Berrang-Ford, Lea

    2012-07-01

    The high prevalence of obesity among low income groups has led some to question the role of food assistance programs in contributing to the problem. The USDA's Food Stamp Program (now known as the Supplemental Nutrition Assistance Program - SNAP) is the largest food assistance program in the United States with over 40 million participants. This paper employed systematic realist review methods to determine whether participation in the Food Stamp Program causes obesity and the causal pathways through which this relationship may exist. Findings indicate a more consistent positive relationship for women than for men, especially for women who are long term users of the program. All studies discussed the "food stamp cycle" and an "income effect" as explanations for the role of food stamps in increased obesity yet evidence for these factors is limited. Curiously, the research in this field does not address obesogenic environments and we suggest that the absence of an understanding of household behavior in local contexts is a significant impediment to the reform of the Food Stamp Program. Copyright © 2012 Elsevier Ltd. All rights reserved.

  9. Nutrition education program for food bank clients: A pilot study

    Science.gov (United States)

    Many low income families depend on foods from food banks. The objective of the study was to determine program content and examine feasibility of a pilot nutrition education program for food bank clients. Formative research was conducted with staff at a local food bank and its pantries and adult clie...

  10. The "dark side" of food banks? Exploring emotional responses of food bank receivers in the Netherlands

    NARCIS (Netherlands)

    Horst, van der H.M.; Pascucci, S.; Bol, W.

    2014-01-01

    Purpose – The purpose of this paper is to address how food, social status as well as the interactions at the food bank induce emotions in receivers, such as shame, gratitude and anger. Since early 2000s a steadily growing number of low-income and/or over-indebted households in the Netherlands

  11. Evaluation of knowledge about irradiated foods by Food Banks in Brazil: Dissemination of irradiation in foods

    Energy Technology Data Exchange (ETDEWEB)

    Sagretti, Juliana M.A.; Sabato, Susy F.

    2017-07-01

    Despite the poverty in the world, part of all food produced in the world is wasted. The contrast of high food production in the world with hunger, food insecurity and food waste points to the need for combined action and the use of technologies as a solution to combat and eradicate hunger and food waste. Food banks have sprung up worldwide receiving food surpluses and passing on to the needy. These have been encouraged by the ONU - United Nations Organization, however, the lack of quality assurance of these foods already in the food bank has restricted the desired shipment. In this sense, ionizing radiation applied in food brought many positive results, such as increased validity and control insect infestation. So, the aim of this study was to initiate a partnership between irradiation and the food bank through the development of a questionnaire to evaluate the knowledge and acceptance of individuals in the food bank in Brazil. In addition, this study aimed to standardize a basis questionnaire for future research assessment of irradiated foods and disseminate irradiated food. For the construction of the questionnaire as a measuring instrument, a comprehensive and rigorous literature review was made. The questionnaire as a measurement instrument was submitted to the research ethics committee and approved. As a result, the questionnaire has three parts, personal issues, assertive issues and questions of multiple choices and finally an informative question with video. The questionnaire was applied in Ceagesp food bank in the biggest center of food in Brazil. (author)

  12. Evaluation of knowledge about irradiated foods by Food Banks in Brazil: Dissemination of irradiation in foods

    International Nuclear Information System (INIS)

    Sagretti, Juliana M.A.; Sabato, Susy F.

    2017-01-01

    Despite the poverty in the world, part of all food produced in the world is wasted. The contrast of high food production in the world with hunger, food insecurity and food waste points to the need for combined action and the use of technologies as a solution to combat and eradicate hunger and food waste. Food banks have sprung up worldwide receiving food surpluses and passing on to the needy. These have been encouraged by the ONU - United Nations Organization, however, the lack of quality assurance of these foods already in the food bank has restricted the desired shipment. In this sense, ionizing radiation applied in food brought many positive results, such as increased validity and control insect infestation. So, the aim of this study was to initiate a partnership between irradiation and the food bank through the development of a questionnaire to evaluate the knowledge and acceptance of individuals in the food bank in Brazil. In addition, this study aimed to standardize a basis questionnaire for future research assessment of irradiated foods and disseminate irradiated food. For the construction of the questionnaire as a measuring instrument, a comprehensive and rigorous literature review was made. The questionnaire as a measurement instrument was submitted to the research ethics committee and approved. As a result, the questionnaire has three parts, personal issues, assertive issues and questions of multiple choices and finally an informative question with video. The questionnaire was applied in Ceagesp food bank in the biggest center of food in Brazil. (author)

  13. Food Banks, United States, 2015, EPA Region 9

    Data.gov (United States)

    U.S. Environmental Protection Agency — This GIS dataset contains point features that represent facilities that recover wasted food to feed people across theUS. Food bank information was collected in 2015...

  14. A survey of food bank operations in five Canadian cities

    OpenAIRE

    Tarasuk, Valerie; Dachner, Naomi; Hamelin, Anne-Marie; Ostry, Aleck; Williams, Patricia; Bosckei, Elietha; Poland, Blake; Raine, Kim

    2014-01-01

    Background Food banks have emerged in response to growing food insecurity among low-income groups in many affluent nations, but their ability to manage this problem is questionable. In Canada, in the absence of public programs and policy interventions, food banks are the only source of immediate assistance for households struggling to meet food needs, but there are many indications that this response is insufficient. The purpose of this study was to examine the factors that facilitate and lim...

  15. Do Children in Rural Areas Still Have Different Access to Health Care? Results from a Statewide Survey of Oregon's Food Stamp Population

    Science.gov (United States)

    Devoe, Jennifer E.; Krois, Lisa; Stenger, Rob

    2009-01-01

    Purpose: To determine if rural residence is independently associated with different access to health care services for children eligible for public health insurance. Methods: We conducted a mail-return survey of 10,175 families randomly selected from Oregon's food stamp population (46% rural and 54% urban). With a response rate of 31%, we used a…

  16. The Confluence of Sociology, Statistics, and Public Policy in the Quality Control of the Food Stamps, AFDC, and Medicaid Family Assistance Programs.

    Science.gov (United States)

    Press, S. James; Tanur, Judith M.

    1991-01-01

    Relevance of the intersection of sociology, statistics, and public policy to the study of quality control in three family assistance programs--food stamps, Aid to Families with Dependent Children (AFDC), and Medicaid--is reviewed using a study by the National Academy of Sciences of methods for improving quality control systems. (SLD)

  17. A survey of food bank operations in five Canadian cities.

    Science.gov (United States)

    Tarasuk, Valerie; Dachner, Naomi; Hamelin, Anne-Marie; Ostry, Aleck; Williams, Patricia; Bosckei, Elietha; Poland, Blake; Raine, Kim

    2014-11-28

    Food banks have emerged in response to growing food insecurity among low-income groups in many affluent nations, but their ability to manage this problem is questionable. In Canada, in the absence of public programs and policy interventions, food banks are the only source of immediate assistance for households struggling to meet food needs, but there are many indications that this response is insufficient. The purpose of this study was to examine the factors that facilitate and limit food bank operations in five Canadian cities and appraise the potential of these initiatives to meet food needs. An inventory of charitable food provisioning in Halifax, Quebec City, Toronto, Edmonton, and Victoria, Canada was conducted in 2010. Of the 517 agencies that participated in a telephone survey of their operations, 340 were running grocery programs. Multivariate regression analyses were conducted to determine the association between program characteristics, volume of service, and indicators of strain in food banks' abilities to consistently achieve the standards of assistance they had established. Extensive, well-established food bank activities were charted in each city, with the numbers of people assisted ranging from 7,111 in Halifax to 90,141 in Toronto per month. Seventy-two percent of agencies indicated that clients needed more food than they provided. The number of people served by any one agency in the course of a month was positively associated with the proportion of food distributed that came from donations (beta 0.0143, SE 0.0024, p 0.0041) and the number of volunteers working in the agency (beta 0.0630, SE 0.0159, p 0.0167). Food banks only achieved equilibrium between supply and demand when they contained demand through restrictions on client access. When access to assistance was less restricted, the odds of food banks running out of food and invoking measures to ration remaining supplies and restrict access rose significantly. Despite their extensive history

  18. Prevalence of food insecurity among food bank users in Germany and its association with population characteristics

    Directory of Open Access Journals (Sweden)

    Julia Depa

    2018-03-01

    Over 70% of the food bank users can be described as food insecure. Of those, about 35% were considered mildly food insecure. Almost 30% were categorized as moderately food insecure while over 7% were categorized as severely food insecure. Significant associations with food insecurity were found for gender, age, subjective health status, smoking, duration of food bank use, school education and family type. Among this socially disadvantaged population, food insecurity is highly prevalent and public health efforts should be focusing on this vulnerable population taken into account the identified population and behavioral characteristics associated with food insecurity.

  19. Why do low-income women not use food stamps? Findings from the California Women's Health Survey.

    Science.gov (United States)

    Kaiser, Lucia

    2008-12-01

    To determine factors associated with Food Stamp Program (FSP) participation in a potentially eligible California population. The California Women's Health Survey is an on-going annual telephone survey that collects data about health-related attitudes and behaviours from a randomly selected sample of women. Statistical procedures included chi2 and logistic regression. California, USA, from 2002 to 2004. A total of 527 FSP female participants and 1405 potentially eligible non-participant females, aged 18 years and older. The following characteristics remained independently and positively related to FSP participation: single mother with children; unemployed; on welfare; on WIC (the Special Supplemental Nutrition Program for Women, Infants, and Children); and US-born. Women under 25 years and those over 54 years were less likely to participate than women aged 25-54 years. Hispanic/Latino ethnicity was also negatively related to participation. Over 42 % of potentially eligible non-participants cited 'don't need them' as the reason for not applying for FSP, but 34.9 % either do not think they are eligible or do not know how to apply. Potentially eligible non-participants who cite 'don't need them' as a reason for not applying are less likely to be food insecure, to have inadequate income and to use alternative emergency aid, compared to women citing all other reasons. The highest level of need is among those who cite worry about citizenship or stigma as reasons for not applying. Strategies to increase participation in FSP should incorporate messages that change the public's perception of the programme, in addition to simplifying the application process, raising awareness of eligibility criteria and improving customer service.

  20. Prevalence of food insecurity among food bank users in Germany and its association with population characteristics.

    Science.gov (United States)

    Depa, Julia; Gyngell, Fiona; Müller, Annalena; Eleraky, Laila; Hilzendegen, Carolin; Stroebele-Benschop, Nanette

    2018-03-01

    The prevalence of food insecurity (FI) among food bank users in many European countries is unknown. The study aims to examine FI prevalence and associated population characteristics among this particular group of disadvantaged people in Germany. Food insecurity status was assessed among 1033 adult food bank users with a mean age of 53 years (57% female, 43% male) in Germany in 2015 using the food insecurity experience scale (FIES). About half of the participants (55.8%) were single with no children and born in Germany. Over 37% had a self-reported BMI of 30 kg/m 2 or above and 37.4% indicated to smoke. Over 70% of the food bank users can be described as food insecure. Of those, about 35% were considered mildly food insecure. Almost 30% were categorized as moderately food insecure while over 7% were categorized as severely food insecure. Significant associations with food insecurity were found for gender, age, subjective health status, smoking, duration of food bank use, school education and family type. Among this socially disadvantaged population, food insecurity is highly prevalent and public health efforts should be focusing on this vulnerable population taken into account the identified population and behavioral characteristics associated with food insecurity.

  1. Development of a nutrition education intervention for food bank clients

    Science.gov (United States)

    The focus of this article is the development of a nutrition education intervention for food bank clients. Formative research using mixed-methods (qualitative and quantitative) and community-based participatory research principles was conducted to assess the nutrition education needs of clients obtai...

  2. Smallholder food crop farmers' participation in Bank of Agriculture ...

    African Journals Online (AJOL)

    Low participation of smallholder farmers in agricultural loans, despite efforts by governments and NGOs to make funds available for agricultural growth and development, has remained a matter of concern in Nigeria. The study analysed smallholder food crop farmers' participation in Bank of Agriculture loan (BOA) scheme in ...

  3. [Inequities in access to food stamps and meal vouchers in Brazil: an analysis of the Brazilian Household Budgets Survey, 2008-2009].

    Science.gov (United States)

    Canella, Daniela Silva; Martins, Ana Paula Bortoletto; Bandoni, Daniel Henrique

    2016-03-01

    Food stamps and meal vouchers can determine workers' dietary choices. The study aimed to assess the coverage of these benefits in Brazil and their distribution according to the beneficiaries' socio-demographic and regional characteristics, using data from the Brazilian Household Budgets Survey, 2008-2009. Eligibility criteria were having an occupation and a private or government job, including domestic or temporary work in rural areas. Only 3.2% of eligible individuals reported receiving such benefits. Highest coverage rates were verified with the Southeast region, urban areas, male gender, employment in the private sector, and monthly earnings > five times the minimum wage. The mean monthly amount of such benefits was R$ 177.20 (US$ 100 at the 2009 exchange rate). After adjusting for other variables, the highest amounts were associated with male gender, higher salaries, the Northeast and Central regions, and employment in the public sector. This first analysis of the national coverage of food stamps and meal vouchers showed that a large share of Brazilian workers lack access or have unequal access to such benefits.

  4. Do children in rural areas still have different access to health care? Results from a statewide survey of Oregon's food stamp population.

    Science.gov (United States)

    DeVoe, Jennifer E; Krois, Lisa; Stenger, Rob

    2009-01-01

    To determine if rural residence is independently associated with different access to health care services for children eligible for public health insurance. We conducted a mail-return survey of 10,175 families randomly selected from Oregon's food stamp population (46% rural and 54% urban). With a response rate of 31%, we used a raking ratio estimation process to weight results back to the overall food stamp population. We examined associations between rural residence and access to health care (adjusting for child's age, child's race/ethnicity, household income, parental employment, and parental and child's insurance type). A second logistic regression model controlled for child's special health care needs. Compared with urban children (reference = 1.00), rural children were more likely to have unmet medical care needs (odds ratio [OR] 1.48, 95% confidence interval [CI] 1.07-2.04), problems getting dental care (OR 1.36, 95% CI 1.03-1.79), and at least one emergency department visit in the past year (OR 1.42, 95% CI 1.10-1.81). After adjusting for special health care needs (more prevalent among rural children), there was no rural-urban difference in unmet medical needs, but physician visits were more likely among rural children. There were no statistically significant differences in unmet prescription needs, delayed urgent care, or having a usual source of care. These findings suggest that access disparities between rural and urban low-income children persist, even after adjusting for health insurance. Coupled with continued expansions in children's health insurance coverage, targeted policy interventions are needed to ensure the availability of health care services for children in rural areas, especially those with special needs.

  5. Assembly of customized food pantries in a food bank by fuzzy optimization

    Energy Technology Data Exchange (ETDEWEB)

    Ortuño, Jonathan Cuevas; Padilla, Alejandra Gómez

    2017-07-01

    The contribution of this research is to propose a new problem of linear-mixed programming model (LMPM) for the allocation-packing of multiple pantries personalized for Food Banks (FB) considering the opinion of the Decision Maker (DM) in the selection of the best solution. Design/methodology/approach: A food allocation-packing system is modeled as a mixed integer problem (MIP) and a fuzzy mixed integer linear problem (FMILP). 250 families and 100 products were considered. The solutions were found using Lingo 13® (for both deterministic and fuzzy model). To select a good solution in the fuzzy model, this research adapted an interactive method proposed in the literature. The relevance of this modification is that the opinion of a decision maker (DM) is included and considered. Findings: The results for the deterministic and fuzzy model are compared in terms of their accomplishment of the restrictions (mainly nutritional and logistic) and the time needed to achieve a solution. Research limitations/implications: This paper was done considering quantity, weight and volume restrictions so that the pantry will contain a variety of products; it is not considered how the products will be stored into the pantry. Practical implications: This research proposes an alternative food management system at a food bank. The proposed system organizes the content of customized food pantries by the bias of a food allocation model. Social implications: Our paper analyzes a Food Bank (FB) in México. With this proposal, food will be distributed to families in poverty considering their particular nutritional needs. Originality/value: The main contribution of this article lies in the proposal of a new model of mixed integer linear problem (MILP) for the allocation-packing of food, solved with fuzzy possibilistic programming that simultaneously considers nutritional and logistic restrictions applied to a type of organization that has been little studied in the literature and where the

  6. Assembly of customized food pantries in a food bank by fuzzy optimization

    International Nuclear Information System (INIS)

    Ortuño, Jonathan Cuevas; Padilla, Alejandra Gómez

    2017-01-01

    The contribution of this research is to propose a new problem of linear-mixed programming model (LMPM) for the allocation-packing of multiple pantries personalized for Food Banks (FB) considering the opinion of the Decision Maker (DM) in the selection of the best solution. Design/methodology/approach: A food allocation-packing system is modeled as a mixed integer problem (MIP) and a fuzzy mixed integer linear problem (FMILP). 250 families and 100 products were considered. The solutions were found using Lingo 13® (for both deterministic and fuzzy model). To select a good solution in the fuzzy model, this research adapted an interactive method proposed in the literature. The relevance of this modification is that the opinion of a decision maker (DM) is included and considered. Findings: The results for the deterministic and fuzzy model are compared in terms of their accomplishment of the restrictions (mainly nutritional and logistic) and the time needed to achieve a solution. Research limitations/implications: This paper was done considering quantity, weight and volume restrictions so that the pantry will contain a variety of products; it is not considered how the products will be stored into the pantry. Practical implications: This research proposes an alternative food management system at a food bank. The proposed system organizes the content of customized food pantries by the bias of a food allocation model. Social implications: Our paper analyzes a Food Bank (FB) in México. With this proposal, food will be distributed to families in poverty considering their particular nutritional needs. Originality/value: The main contribution of this article lies in the proposal of a new model of mixed integer linear problem (MILP) for the allocation-packing of food, solved with fuzzy possibilistic programming that simultaneously considers nutritional and logistic restrictions applied to a type of organization that has been little studied in the literature and where the

  7. Assembly of customized food pantries in a food bank by fuzzy optimization

    Directory of Open Access Journals (Sweden)

    Jonathan Cuevas Ortuño

    2017-10-01

    Full Text Available Purpose: The contribution of this research is to propose a new problem of linear-mixed programming model (LMPM for the allocation-packing of multiple pantries personalized for Food Banks (FB considering the opinion of the Decision Maker (DM in the selection of the best solution. Design/methodology/approach: A food allocation-packing system is modeled as a mixed integer problem (MIP and a fuzzy mixed integer linear problem (FMILP.  250 families and 100 products were considered. The solutions were found using Lingo 13® (for both deterministic and fuzzy model. To select a good solution in the fuzzy model, this research adapted an interactive method proposed in the literature. The relevance of this modification is that the opinion of a decision maker (DM is included and considered. Findings: The results for the deterministic and fuzzy model are compared in terms of their accomplishment of the restrictions (mainly nutritional and logistic and the time needed to achieve a solution.   Research limitations/implications: This paper was done considering quantity, weight and volume restrictions so that in theory, the pantry will be able to contain different products; it is not considered how the products will be stored into the pantry. Practical implications: This research proposes an alternative food management system at a food bank. The proposed system organizes the content of customized food pantries by the bias of a food allocation model. Social implications: Our paper analyzes a Food Bank (FB in México. With this proposal, food will be distributed to families in poverty considering their particular nutritional needs. Originality/value: The main contribution of this article lies in the proposal of a new model of mixed integer linear problem (MILP  for the allocationpacking of food, solved with fuzzy posibilistic programming that simultaneously considers nutritional and logistic restrictions applied to a type of organization that has been little

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

    Science.gov (United States)

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

    2017-10-05

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

  9. "Nothing is going to change three months from now": A mixed methods characterization of food bank use in Greater Vancouver.

    Science.gov (United States)

    Holmes, Eleanor; Black, Jennifer L; Heckelman, Amber; Lear, Scott A; Seto, Darlene; Fowokan, Adeleke; Wittman, Hannah

    2018-03-01

    North American food bank use has risen dramatically since the 1980s, and over 850,000 Canadians were estimated to have visited a food bank monthly in 2015. Food banks serve multiple roles in communities, ranging from 'emergency responses' to individualized and short-term experiences of hunger, to 'chronic' supports as part of long-term subsistence strategies. This study used a mixed-methods design to examine the spectrum of food bank user experiences in a large urban context, as part of a community-based project aiming to envision a redesign of the food bank to contribute to broader community food security outcomes. Survey (n = 77) and focus group (n = 27) results suggested that participants widely viewed food banks as a long-term food-access strategy. Inadequate financial resources, steep increases in housing and food costs, and long-term health challenges emerged as the most prominent factors influencing food bank use. Participants commonly reported unmet food needs despite food bank use, limited agency over factors influencing access to sufficient food, and anticipated requiring food bank services in future. These findings contest global constructions of food banks as "emergency" food providers and support growing evidence that food banks are an insufficient response to chronic poverty, lack of affordable housing and insufficient social assistance rates underlying experiences of food insecurity. Participants envisioned changes to the food bank system to increase community food security including improved food quality and quantity (short-term), changes to service delivery and increased connections with health services (capacity building), and a greater role in poverty reduction advocacy (system redesign). Copyright © 2018. Published by Elsevier Ltd.

  10. Adapting Nonprofit Resources to New Social Demands: The Food Banks in Spain

    Directory of Open Access Journals (Sweden)

    Jorge Coque

    2017-04-01

    Full Text Available Food banks make up an increasing phenomenon of nonprofit organizations answering to new social needs related to the global socioeconomic crisis. In order to explore if they are suitably adapting to their environments in Spain, one of the countries most seriously affected by the crisis in South Europe, this work assumes a hybrid qualitative–quantitative structure composed of an exploratory case study based on semi-structured interviews followed by a survey addressed to all the Spanish food banks. Much of the academic literature has concerned the appropriateness of food banks as a delivery mechanism in the context of welfare state withdrawal. This paper takes this in a different direction by examining Spanish food banks from an organizational management point of view. Wary of concerns about the institutionalization of food charity, on the one hand, and recognizing the escalating daily reliance on food banks, on the other, this paper seeks to address potential technical supply problems and challenges food banks face and open debate about the organizational networks of food banks more generally. The results show nonprofit entities based on a voluntary workforce who run supply chains in order to join both social and business targets. Their situation, performance, resources, mutual relationships and the links with other entities are described, paying special attention to the changes induced by the latest contextual changes. In short, food banks are efficiently organized and well established in their territories as a coherent social movement, although they should improve in their strategic view, coordination, resources and sources of these, to satisfy more adequately their increasingly complex demands.

  11. Stamping through astronomy

    CERN Document Server

    Dicati, Renato

    2013-01-01

    Stamps and other postal documents are an attractive vehicle for presenting astronomy and its development. Written with expertise and great enthusiasm, this unique book offers a historical and philatelic survey of astronomy and some related topics on space exploration. It contains more than 1300 color reproductions of stamps relating to the history of astronomy, ranging from the earliest observations of the sky to modern research conducted with satellites and space probes. Featured are the astronomers and astrophysicists who contributed to this marvelous story – not only Ptolemy, Copernicus, Kepler, Newton, Herschel, and Einstein but also hundreds of other minor protagonists who played an important role in the development of this, the most ancient yet the most modern of all the sciences. The book also examines in depth the diverse areas which have contributed to the history of astronomy, including the instrumentation, the theories, and the observations. Many stamps illustrate the beauty and the mystery of ce...

  12. Rapid thermal processing by stamping

    Science.gov (United States)

    Stradins, Pauls; Wang, Qi

    2013-03-05

    A rapid thermal processing device and methods are provided for thermal processing of samples such as semiconductor wafers. The device has components including a stamp (35) having a stamping surface and a heater or cooler (40) to bring it to a selected processing temperature, a sample holder (20) for holding a sample (10) in position for intimate contact with the stamping surface; and positioning components (25) for moving the stamping surface and the stamp (35) in and away from intimate, substantially non-pressured contact. Methods for using and making such devices are also provided. These devices and methods allow inexpensive, efficient, easily controllable thermal processing.

  13. Food security in the West Bank | IDRC - International Development ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    21 حزيران (يونيو) 2013 ... Other common coping strategies include eating less and eating lower quality food, which contribute to public health issues including micronutrient deficiencies (such as anemia, iron, and vitamin A deficiencies) and a lower caloric intake. Food insecurity can ultimately lead to poor long-term health, spiraling ...

  14. Money Worries Keep Students Going to Campus Food Banks

    Science.gov (United States)

    Sandoval, Timothy

    2012-01-01

    Hunger on campus is part of a lingering national problem that grew after the financial crisis that began in late 2007. In an unforgiving economy, many students across the country struggle not only to pay tuition but also to buy food. Colleges and nonprofit groups have noticed, and more are reacting. Food pantries are cropping up on two-year and…

  15. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2017-01-01

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

  16. Resourcefulness, Desperation, Shame, Gratitude and Powerlessness: Common Themes Emerging from A Study of Food Bank Use in Northeast Scotland

    Directory of Open Access Journals (Sweden)

    Flora Douglas

    2015-07-01

    Full Text Available There is growing policy maker and public concern about current trends in food bank use in Scotland. Yet little is known about the experiences of those seeking help from food banks in this country. This research aimed to address this issue by studying the use and operation of a food bank situated in a rich northeast city during January and June 2014. The study aimed to establish who was seeking help from the food bank, their reasons for doing so, and what those who did thought of, and dealt with the food they received from it. Consequently, an audit of the food bank's client database, four months of participant observation based in the food bank, and seven face-to-face interviews with current and former food bank clients were conducted. The audit revealed that clients came from a range of socio-economic backgrounds, with men more likely to access it compared to women. Debt and social security benefit delays were cited as the main reasons for doing so. Qualitative data confirmed that sudden and unanticipated loss of income was a key driver of use. Resourcefulness in making donated food last as long as possible, keeping fuel costs low, and concern to minimise food waste were commonly described by participants. Desperation, gratitude, shame and powerlessness were also prevalent themes. Furthermore, clients were reluctant to ask for food they normally ate, as they were acutely aware that the food bank had little control over what it was able offer. Insights from this study suggest that recent UK policy proposals to address food poverty may have limited impact, without concomitant effort to address material disadvantage. Research is urgently required to determine the precise nature and extent of household level food insecurity in Scotland, and to consider monitoring for adverse physical and mental health outcomes for those affected by it.

  17. Dutch food bank recipients have poorer dietary intakes than the general and low-socioeconomic status Dutch adult population.

    NARCIS (Netherlands)

    Neter, J E; Dijkstra, S C; Dekkers, A L M; Ocké, M C; Visser, M; Brouwer, I A

    2017-01-01

    Food-assistance program users are a specific group of nutritional concern, as they are often food insufficient and have poorer diet quality compared to non-food-assistance program users. The aim of our study was to assess dietary intake of Dutch food bank recipients (n = 167) and to compare this

  18. Dutch food bank recipients have poorer dietary intakes than the general and low-socioeconomic status Dutch adult population

    NARCIS (Netherlands)

    Neter, J E; Dijkstra, S C; Dekkers, A L M; Ocké, M C; Visser, M; Brouwer, I A

    2017-01-01

    PURPOSE: Food-assistance program users are a specific group of nutritional concern, as they are often food insufficient and have poorer diet quality compared to non-food-assistance program users. The aim of our study was to assess dietary intake of Dutch food bank recipients (n = 167) and to compare

  19. Food banking for improved nutrition of HIV infected orphans and vulnerable children; emerging evidence from quality improvement teams in high food insecure regions of Kiambu, Kenya.

    Science.gov (United States)

    Akulima, Muhamed; Ikamati, Rudia; Mungai, Margaret; Samuel, Muhula; Ndirangu, Meshack; Muga, Richard

    2016-01-01

    Estimated 236,548 People Living with HIV (PLHIV) were in Central-Eastern Kenya in 2013. Kiambu County had 46,656 PLHIV with 42,400 (91%) adults and 4,200(9%) children (1-14yrs). Amref Health Africa in Kenya, supported through USAID-APHIAplus KAMILI project, initiated two food banks to respond to poor nutritional status of the HIV infected children. Quality Improvement Teams were used to facilitate food-banking initiatives. The study aimed at assessing and demonstrating roles of community food-banking in improving nutrition status of HIV-infected children in food insecure regions. A pre and post-test study lasting 12 months (Oct 2013 to September 2014) conducted in Kiambu County, Kenya covering 103 HIV infected children. Two assessments were conducted before and after the food banking initiative and results compared. Child Status Index (CSI) and the Middle Upper Arm Circumference (MUAC) tools were used in data collection at households. Paired T-test and Wilcoxon test were applied for analysing MUAC and CSI scores respectively using the SPSS. There was a significant improvement in the children's nutrition status from a rating of 'bad' in CSI Median (IQR) score 2(2-1) before food banking to a rating of 'fair' in CSI Median (IQR) score 3(4-3) after food banking intervention (p=banking (p=banking is a community-based nutritional intervention that can address factors of food access, affordability and availability. Food banking is a sustainable way to contribute to quality nutrition and reduced related deaths among HIV infected children.

  20. Migration Background Influences Consumption Patterns Based on Dietary Recommendations of Food Bank Users in Germany.

    Science.gov (United States)

    Stroebele-Benschop, Nanette; Depa, Julia; Gyngell, Fiona; Müller, Annalena; Eleraky, Laila; Hilzendegen, Carolin

    2018-03-29

    People with low income tend to eat less balanced than people with higher income. This seems to be particularly the case for people with migration background. This cross-sectional study examined the relation of consumption patterns of 597 food bank users with different migration background in Germany. Questionnaires were distributed assessing sociodemographic information and consumption patterns. Analyses were conducted using binary logistic regressions. Models were controlled for age, gender, type of household and education. The group of German food bank users consumed fewer fruits and vegetables and less fish compared to all other groups with migration background (former USSR, Balkan region, Middle East). A significant predictor for fruit and vegetable consumption was migration status. Participants from the former USSR consumed less often SSBs compared to the other groups. Dietary recommendations for low income populations should take into consideration other aspects besides income such as migration status.

  1. Flexible Stamp for Nanoimprint Lithography

    DEFF Research Database (Denmark)

    Nielsen, Theodor; Pedersen, Rasmus H.; Hansen, Ole

    2005-01-01

    by membranes. The bending stiffness difference between the imprint areas and the membranes ensures that the deformation of the stamp during the imprint process mainly takes place in the membranes, leaving the imprint structures unaffected. By this design the strong demand to the parallelism between stamp...... and substrate in the imprint situation is decoupled from the pressing tool and the wafer quality. The stamp consist of 1562 imprint areas (1 mm × 1 mm) containing the patterns to be replicated. The imprinted patterns are characterized with respect to the imprint depth and the polymer residual layer thickness...

  2. Awareness of food nutritive value and eating practices among Nigerian bank workers: Implications for nutritional counseling and education.

    Science.gov (United States)

    Eze, Ngozi M; Maduabum, Felicia O; Onyeke, Nkechi G; Anyaegunam, Ngozi J; Ayogu, Chinwe A; Ezeanwu, Bibian Amaka; Eseadi, Chiedu

    2017-03-01

    Adequate nutrition is an important aspect of a healthy lifestyle for all individuals, including bank staff. The objective of this study was to investigate the awareness of food nutritive value and eating practices among bank workers in Lagos State, Nigeria.The study adopted a cross-sectional descriptive survey design. A purposive sample of 250 bank workers took part in the study. Means and Student t tests were employed for data analysis.Results showed that bank workers were aware of the nutritive value of foods, and that eating practices commonly adopted included skipping breakfast, eating breakfast at work, buying food at work from the bank canteen, eating in between meals, buying snacks as lunch, and consuming soft drinks daily, among others. There were no significant differences between male and female bank workers in mean responses on food nutritive value or in eating practices adopted.Good eating habits will help bank workers not only to improve their nutritional well-being, but also to prevent nutrition-related diseases. The implications for nutritional counseling and education are discussed in the context of these findings.

  3. Fabrication of Nanoimprint stamps for photonic crystals

    International Nuclear Information System (INIS)

    Kouba, J; Kubenz, M; Mai, A; Ropers, G; Eberhardt, W; Loechel, B

    2006-01-01

    We report on fabrication of nanoimprint stamps for fabrication of two dimensional photonic crystals in visible range of spectra. Nanoimprint stamps made of silicon and/or nickel were successfully fabricated using electron beam lithography and advanced dry etching techniques. The quality of the stamps was evaluated using scanning electron microscopy. The fabricated stamps were also evaluated by imprinting them into suitable polymer materials

  4. A Technical and Policy Case Study of Large-Scale Rescue and Redistribution of Perishable Foods by the "Leket Israel" Food Bank.

    Science.gov (United States)

    Philip, Dana; Hod-Ovadia, Smadar; Troen, Aron M

    2017-06-01

    Food banks seeking to rescue and redistribute highly nutritious perishable foods to simultaneously alleviate food insecurity and reduce food waste often encounter practical, ethical, and political dilemmas. We present a case study of "Leket Israel," an Israeli food bank that uses an effective large-scale logistical model for the rescue and redistribution of perishable food and discuss the challenges and solutions it offers. The organization operates in a rich country plagued with poverty and inequality, where the government passively encourages nongovernmental organizations to respond to the serious and growing problem of food insecurity. Operating under a business-to-business model, Leket Israel distributes food via intermediary nonprofit organizations (NPOs), enriching the food they provide with fresh produce. Food is obtained through an Agricultural Gleaning project, Self-Growing Farm project, and Meal Rescue project. The partnering NPOs then distribute the food to people in need. Although the rescue and redistribution of highly perishable food is more costly and complex than acquiring, storing, and distributing dried and staple foods and it requires specialized knowledge and infrastructure in order to maintain rigorous safety standards, it improves the nutritional quality of the aid. In 2015, Leket Israel distributed 15 217 389 kg of food, 90% of which was fruit and vegetables, to 180 partnering NPOs nationwide, reaching an estimated 175 000 recipients. "Leket Israel" offers a valuable model that can be studied and emulated by international nutrition scientists, practitioners, and policy makers who are seeking to reduce food insecurity and food waste in other countries.

  5. Dutch food bank recipients have poorer dietary intakes than the general and low-socioeconomic status Dutch adult population.

    Science.gov (United States)

    Neter, J E; Dijkstra, S C; Dekkers, A L M; Ocké, M C; Visser, M; Brouwer, I A

    2017-10-03

    Food-assistance program users are a specific group of nutritional concern, as they are often food insufficient and have poorer diet quality compared to non-food-assistance program users. The aim of our study was to assess dietary intake of Dutch food bank recipients (n = 167) and to compare this with dietary intake of a representative sample of the general population (Dutch National Food Consumption Survey (DNFCS-all): n = 1933), including a low-socioeconomic status (SES) sample (DNFCS-low SES: n = 312), using data from the DNFCS 2007-2010. In this cross-sectional study, 12 food banks throughout The Netherlands participated. Food bank recipients' characteristics were assessed with a self-administered questionnaire. Dietary intake data were collected through three 24-h recalls. Habitual dietary intake (mean, percentiles, and 95% CI) was estimated for all samples. Differences between samples were determined by comparing the 95% CIs. Mean age of the study population (62.9% female) was 48.6 years (SD:10.1). Mean energy intake was 1986 (95% CI 1830-2089) kcal. The majority of the Dutch food bank recipients had lower intakes than dietary reference intakes for dietary fiber, fruit, vegetables, and fish (range 86.6-99.3%), and a higher intake for saturated fat [88.1% (95% CI 84.1-98.9)]. Furthermore, mean intakes of energy, fiber, fruit, and vegetables were significantly lower in Dutch food bank recipients than in the DNFCS-all and the DNFCS-low-SES [e.g., daily mean fruit intake (g) food bank recipients 62.8 (95% CI 45.5-76.5), DNFCS-all 105.8 (95% CI 105.4-117.9), and DNFCS-low-SES 85.1 (95% CI 78.7-100.2)]. Fish intake was significantly lower compared with the DNFCS-all, but not compared with the DNFCS-low-SES. Dutch food bank recipients, who largely rely on the content of food parcels, are not able to meet the nutritional guidelines for a healthy diet, and their dietary intake is poorer than the general as well as the low-SES sample of the Dutch adult population

  6. Dutch food bank recipients have poorer dietary intakes than the general and low-socioeconomic status Dutch adult population.

    OpenAIRE

    Neter, J E; Dijkstra, S C; Dekkers, A L M; Ocké, M C; Visser, M; Brouwer, I A

    2017-01-01

    Food-assistance program users are a specific group of nutritional concern, as they are often food insufficient and have poorer diet quality compared to non-food-assistance program users. The aim of our study was to assess dietary intake of Dutch food bank recipients (n = 167) and to compare this with dietary intake of a representative sample of the general population (Dutch National Food Consumption Survey (DNFCS-all): n = 1933), including a low-socioeconomic status (SES) sample (DNFCS-low SE...

  7. Implementation of time stamping service

    OpenAIRE

    Tomažin , Vito

    2015-01-01

    This thesis deals with different ways of how to safely time-stamp digital content. The need for time-stamping arises when we would like to create evidence that certain content existed (or that a certain person was present somewhere) in a precisely specified period of time, so that later we can refer to this evidence. Creating temporal order in the digital world can prove to be difficult, since no data, including time, is recorded permanently. The system clock, which measures time with the ...

  8. 7 CFR 916.115 - Lot stamping.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 8 2010-01-01 2010-01-01 false Lot stamping. 916.115 Section 916.115 Agriculture... and Regulations § 916.115 Lot stamping. Except when loaded directly into railway cars, exempted under... Inspection Service lot stamp number, assigned by such Service, showing that such fruit has been USDA...

  9. 7 CFR 917.150 - Lot stamping.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 8 2010-01-01 2010-01-01 false Lot stamping. 917.150 Section 917.150 Agriculture... CALIFORNIA Rules and Regulations Regulation of Daily Shipments § 917.150 Lot stamping. Except when loaded..., prior to shipment, with a Federal-State Inspection Service lot stamp number, assigned by such Service...

  10. Stamp Verification for Automated Document Authentication

    DEFF Research Database (Denmark)

    Micenková, Barbora; van Beusekom, Joost; Shafait, Faisal

    Stamps, along with signatures, can be considered as the most widely used extrinsic security feature in paper documents. In contrast to signatures, however, for stamps little work has been done to automatically verify their authenticity. In this paper, an approach for verification of color stamps ...

  11. Applying Systems Thinking to Examine and Reduce Dependency on Food Banks

    Directory of Open Access Journals (Sweden)

    Juwaeriah Abdussamad

    2014-01-01

    Full Text Available Systems thinking is the art of understanding interconnections between various disciplines thereby unwinding the existing complexity. Most of the real world problems are complex, take for the example the increasing dependency rate on food banks. While various factors contribute towards it, not much has been done to bring the take off the number of dependents. By viewing this system from a holistic systems thinking lens, one explores the issue in depth. We realise the universally acceptable solution is not alleviating the problem in the long run. By applying systems thinking principles several hidden factors are brought to attention and subsequently can be dealt with more aptly. A movement that transcends disciplines results in delivering better solutions.

  12. Stamping the Earth from space

    CERN Document Server

    Dicati, Renato

    2017-01-01

    This unique book presents a historical and philatelic survey of Earth exploration from space. It covers all areas of research in which artificial satellites have contributed in designing a new image of our planet and its environment: the atmosphere and ionosphere, the magnetic field, radiation belts and the magnetosphere, weather, remote sensing, mapping of the surface, observation of the oceans and marine environments, geodesy, and the study of life and ecological systems. Stamping the Earth from Space presents the results obtained with the thousands of satellites launched by the two former superpowers, the Soviet Union and the United States, and also those of the many missions carried out by the ESA, individual European countries, Japan, China, India, and the many emerging space nations. Beautifully illustrated, it contains almost 1100 color reproductions of philatelic items. In addition to topical stamps and thematic postal documents, the book provides an extensive review of astrophilatelic items. The most...

  13. An explorative cross-sectional study examining self-reported health and nutritional status of disadvantaged people using food banks in Germany.

    Science.gov (United States)

    Depa, Julia; Hilzendegen, Carolin; Tinnemann, Peter; Stroebele-Benschop, Nanette

    2015-11-24

    Even in high-income countries some population groups depend on food banks to support their food intake. We aimed to explore and compare health and nutritional status of food bank clients (Tafel e.V.) in different cities in Germany. In a cross-sectional study, self-reported health and nutritional status of food bank clients living in three cities (Berlin - capital, Ludwigsburg- affluent city, Fulda - small town) which differ in size, available income and poverty rate, were assessed and compared to survey variables of the low socioeconomic status population of national surveys (DEGS and GEDA). Across cities, food bank clients (N = 276, response rate of 21.5 %) did not differ in main socio-demographic characteristics (age, nationality, education, professional qualification, household income). Smoking, having at least one chronic illness, estimating their own health status as moderate to poor and low consumption of fruits and vegetables were common characteristics. Comparing selected variables with the low socioeconomic status population of DEGS and GEDA, differences were found for a higher prevalence of diabetes among food bank clients and a worse self-reported health status. Considerably lower fruit consumption and lower hypertension prevalence among female and lower overweight rates among male food bank clients were found. Although people using food banks vary in socio-demographic background, no differences for main demographics across the cities were found. In addition, the study suggests that for some health- and nutrition-related variables, national surveys in Germany might underestimate socioeconomic differences.

  14. Community-based grain banks using local foods for improved infant and young child feeding in Ethiopia.

    Science.gov (United States)

    Roche, Marion L; Sako, Binta; Osendarp, Saskia J M; Adish, Abdul A; Tolossa, Azeb L

    2017-04-01

    The first thousand days of a child's life are critical for ensuring adequate nutrition to enable optimal health, development and growth. Inadequate infant and young child feeding (IYCF) practices likely contribute to Ethiopia's concerning malnutrition situation. Development partners in four regions of Ethiopia implemented community production of complementary food with women's groups processing local grains and legumes at grain banks to improve availability, accessibility, dietary diversity and timely introduction of complementary foods. The objective of this study was to establish the acceptability, perceived impact, feasibility and required inputs to sustain local grain bank interventions to improve IYCF. A subsidized barter system was used by mothers in the rural communities, and flour was sold in the semi-urban context. Purposive sampling guided the qualitative study design and selection of project stakeholders. A total of 51 key informant interviews and 33 focus group discussions (n = 237) were conducted. The grain bank flour was valued for its perceived diverse local ingredients; while the project was perceived as creating labour savings for women. The grain bank flour offered the potential to contribute to improved IYCF; however, further dietary modification or fortification is needed to improve the micronutrient content. Dependence upon external inputs to subsidize the barter model and the reliance on volunteer labour from women's groups in the rural context are the greatest risks to sustainability. This intervention illustrates how integrated agricultural and health interventions leveraging local production can appeal to diverse stakeholders as an acceptable approach to improve IYCF. © 2015 John Wiley & Sons Ltd.

  15. The STAMP Software for State Space Models

    Directory of Open Access Journals (Sweden)

    Roy Mendelssohn

    2011-05-01

    Full Text Available This paper reviews the use of STAMP (Structural Time Series Analyser, Modeler and Predictor for modeling time series data using state-space methods with unobserved components. STAMP is a commercial, GUI-based program that runs on Windows, Linux and Macintosh computers as part of the larger OxMetrics System. STAMP can estimate a wide-variety of both univariate and multivariate state-space models, provides a wide array of diagnostics, and has a batch mode capability. The use of STAMP is illustrated for the Nile river data which is analyzed throughout this issue, as well as by modeling a variety of oceanographic and climate related data sets. The analyses of the oceanographic and climate data illustrate the breadth of models available in STAMP, and that state-space methods produce results that provide new insights into important scientific problems.

  16. A Comparison of Characteristics and Food Insecurity Coping Strategies between International and Domestic Postsecondary Students Using a Food Bank Located on a University Campus.

    Science.gov (United States)

    Hanbazaza, Mahitab; Ball, Geoff D C; Farmer, Anna P; Maximova, Katerina; Farahbakhsh, Jasmine; Willows, Noreen D

    2017-12-01

    We compared food insecurity status, coping strategies, demographic characteristics, and self-rated health of international and domestic postsecondary students requesting emergency food hampers from a campus food bank (CFB). We collected data from a cross-sectional convenience sample of domestic and international students who accessed the CFB at the University of Alberta. Food insecurity was prevalent (international students: n = 26/27 (96.2%), domestic students: n = 31/31 (100%)). Compared with their domestic peers, international students were less likely to rate their mental health negatively (14.8% vs 38.7%, P = 0.04). The primary income source was government loans (54.8%) for domestic students and research assistantships (33.3%) for international students. To cope with not having enough money for food, the majority of both student groups delayed bill payments or buying university supplies, applied for loans or bursaries, purchased food on credit, or worked more. International students were less likely to ask friends or relatives for food (48.1% vs 77.4%, P = 0.02). Domestic and international students mostly used similar coping strategies to address food insecurity; however, they paid for their education using different income sources. Distinct strategies for international and domestic students are required to allow more students to cover their educational and living expenses.

  17. Development of an item bank for food parenting practices based on published instruments and reports from Canadian and US parents.

    Science.gov (United States)

    O'Connor, Teresia M; Pham, Truc; Watts, Allison W; Tu, Andrew W; Hughes, Sheryl O; Beauchamp, Mark R; Baranowski, Tom; Mâsse, Louise C

    2016-08-01

    Research to understand how parents influence their children's dietary intake and eating behaviors has expanded in the past decades and a growing number of instruments are available to assess food parenting practices. Unfortunately, there is no consensus on how constructs should be defined or operationalized, making comparison of results across studies difficult. The aim of this study was to develop a food parenting practice item bank with items from published scales and supplement with parenting practices that parents report using. Items from published scales were identified from two published systematic reviews along with an additional systematic review conducted for this study. Parents (n = 135) with children 5-12 years old from the US and Canada, stratified to represent the demographic distribution of each country, were recruited to participate in an online semi-qualitative survey on food parenting. Published items and parent responses were coded using the same framework to reduce the number of items into representative concepts using a binning and winnowing process. The literature contributed 1392 items and parents contributed 1985 items, which were reduced to 262 different food parenting concepts (26% exclusive from literature, 12% exclusive from parents, and 62% represented in both). Food parenting practices related to 'Structure of Food Environment' and 'Behavioral and Educational' were emphasized more by parent responses, while practices related to 'Consistency of Feeding Environment' and 'Emotional Regulation' were more represented among published items. The resulting food parenting item bank should next be calibrated with item response modeling for scientists to use in the future. Copyright © 2016 Elsevier Ltd. All rights reserved.

  18. Time Stamps for Fixed-Point Approximation

    DEFF Research Database (Denmark)

    Damian, Daniela

    2001-01-01

    Time stamps were introduced in Shivers's PhD thesis for approximating the result of a control-flow analysis. We show them to be suitable for computing program analyses where the space of results (e.g., control-flow graphs) is large. We formalize time-stamping as a top-down, fixed-point approximat......Time stamps were introduced in Shivers's PhD thesis for approximating the result of a control-flow analysis. We show them to be suitable for computing program analyses where the space of results (e.g., control-flow graphs) is large. We formalize time-stamping as a top-down, fixed...

  19. Stamping SERS for creatinine sensing

    Science.gov (United States)

    Li, Ming; Du, Yong; Zhao, Fusheng; Zeng, Jianbo; Santos, Greggy M.; Mohan, Chandra; Shih, Wei-Chuan

    2015-03-01

    Urine can be obtained easily, readily and non-invasively. The analysis of urine can provide metabolic information of the body and the condition of renal function. Creatinine is one of the major components of human urine associated with muscle metabolism. Since the content of creatinine excreted into urine is relatively constant, it is used as an internal standard to normalize water variations. Moreover, the detection of creatinine concentration in urine is important for the renal clearance test, which can monitor the filtration function of kidney and health status. In more details, kidney failure can be imminent when the creatinine concentration in urine is high. A simple device and protocol for creatinine sensing in urine samples can be valuable for point-of-care applications. We reported quantitative analysis of creatinine in urine samples by using stamping surface enhanced Raman scattering (S-SERS) technique with nanoporous gold disk (NPGD) based SERS substrate. S-SERS technique enables label-free and multiplexed molecular sensing under dry condition, while NPGD provides a robust, controllable, and high-sensitivity SERS substrate. The performance of S-SERS with NGPDs is evaluated by the detection and quantification of pure creatinine and creatinine in artificial urine within physiologically relevant concentration ranges.

  20. Meals for Good: An innovative community project to provide healthy meals to children in early care and education programs through food bank catering

    Directory of Open Access Journals (Sweden)

    Leah R. Carpenter

    2017-12-01

    Full Text Available Innovative approaches to childhood obesity prevention are warranted in early care and education (ECE settings, since intervening early among youth is recommended to promote and maintain healthy behaviors. The objective of the Meals for Good pilot was to explore feasibility of implementing a food bank-based catering model to ECE programs to provide more nutritious meals, compared to meals brought from home (a parent-prepared model. In 2014–2015, a 12-month project was implemented by a food bank in central Florida in four privately-owned ECE programs. An explanatory sequential design of a mixed-methods evaluation approach was utilized, including a pre-post menu analysis comparing parent-prepared meals to the catered meals, and stakeholder interviews to determine benefits and barriers. The menu analysis of lunches showed daily reductions in calories, fat, and saturated fat, but an increase in sodium in catered meals when compared to parent-prepared meals. Interviews with ECE directors, teachers, parents, and food bank project staff, identified several benefits of the catered meals, including healthfulness of meals, convenience to parents, and the ECE program's ability to market this meal service. Barriers of the catered meals included the increased cost to parents, transportation and delivery logistics, and change from a 5 to a 2-week menu cycle during summer food service. This pilot demonstrated potential feasibility of a food bank-ECE program partnership, by capitalizing on the food bank's existing facilities and culinary programming, and interest in implementing strategies focused on younger children. The food bank has since leveraged lessons learned and expanded to additional ECE programs.

  1. Evolutions of Advanced Stamping CAE — Technology Adventures and Business Impact on Automotive Dies and Stamping

    Science.gov (United States)

    Wang, Chuantao (C. T.)

    2005-08-01

    In the past decade, sheet metal forming and die development has been transformed to a science-based and technology-driven engineering and manufacturing enterprise from a tryout-based craft. Stamping CAE, especially the sheet metal forming simulation, as one of the core components in digital die making and digital stamping, has played a key role in this historical transition. The stamping simulation technology and its industrial applications have greatly impacted automotive sheet metal product design, die developments, die construction and tryout, and production stamping. The stamping CAE community has successfully resolved the traditional formability problems such as splits and wrinkles. The evolution of the stamping CAE technology and business demands opens even greater opportunities and challenges to stamping CAE community in the areas of (1) continuously improving simulation accuracy, drastically reducing simulation time-in-system, and improving operationalability (friendliness), (2) resolving those historically difficult-to-resolve problems such as dimensional quality problems (springback and twist) and surface quality problems (distortion and skid/impact lines), (3) resolving total manufacturability problems in line die operations including blanking, draw/redraw, trim/piercing, and flanging, and (4) overcoming new problems in forming new sheet materials with new forming techniques. In this article, the author first provides an overview of the stamping CAE technology adventures and achievements, and industrial applications in the past decade. Then the author presents a summary of increasing manufacturability needs from the formability to total quality and total manufacturability of sheet metal stampings. Finally, the paper outlines the new needs and trends for continuous improvements and innovations to meet increasing challenges in line die formability and quality requirements in automotive stamping.

  2. Evolutions of Advanced Stamping CAE -- Technology Adventures and Business Impact on Automotive Dies and Stamping

    International Nuclear Information System (INIS)

    Wang Chuantao

    2005-01-01

    In the past decade, sheet metal forming and die development has been transformed to a science-based and technology-driven engineering and manufacturing enterprise from a tryout-based craft. Stamping CAE, especially the sheet metal forming simulation, as one of the core components in digital die making and digital stamping, has played a key role in this historical transition. The stamping simulation technology and its industrial applications have greatly impacted automotive sheet metal product design, die developments, die construction and tryout, and production stamping. The stamping CAE community has successfully resolved the traditional formability problems such as splits and wrinkles. The evolution of the stamping CAE technology and business demands opens even greater opportunities and challenges to stamping CAE community in the areas of (1) continuously improving simulation accuracy, drastically reducing simulation time-in-system, and improving operationalability (friendliness) (2) resolving those historically difficult-to-resolve problems such as dimensional quality problems (springback and twist) and surface quality problems (distortion and skid/impact lines) (3) resolving total manufacturability problems in line die operations including blanking, draw/redraw, trim/piercing, and flanging, and (4) overcoming new problems in forming new sheet materials with new forming techniques. In this article, the author first provides an overview of the stamping CAE technology adventures and achievements, and industrial applications in the past decade. Then the author presents a summary of increasing manufacturability needs from the formability to total quality and total manufacturability of sheet metal stampings. Finally, the paper outlines the new needs and trends for continuous improvements and innovations to meet increasing challenges in line die formability and quality requirements in automotive stamping

  3. Stamp Detection in Color Document Images

    DEFF Research Database (Denmark)

    Micenkova, Barbora; van Beusekom, Joost

    2011-01-01

    , moreover, it can be imprinted with a variable quality and rotation. Previous methods were restricted to detection of stamps of particular shapes or colors. The method presented in the paper includes segmentation of the image by color clustering and subsequent classification of candidate solutions...... by geometrical and color-related features. The approach allows for differentiation of stamps from other color objects in the document such as logos or texts. For the purpose of evaluation, a data set of 400 document images has been collected, annotated and made public. With the proposed method, recall of 83...

  4. METAMORPHOSES OF THE ENVIRONMENTAL STAMP IN ROMANIA

    Directory of Open Access Journals (Sweden)

    CARAUS MADALINA

    2015-12-01

    Full Text Available Romania's alignment to European standards is a difficult process with many legislative changes, with direct impact on taxpayers. The necessity of collecting substantial revenues to the State budget, which provide vital economic growth of the Romanian State, loses the substance when we are talking about taxes levied in relation to taxpayer. The environmental stamp, otherwise a controversial tax, represent for the State another way to earn revenue in advance, “as a loan", because in the end it's forced to repay the amounts concerned taxpayers, under the effect of a final and irrevocable court decision. The effects of the legislative changes bring every time complaints both from taxpayers, because they can demand repayment of the environmental stamp only during the period of prescription, as well as on the part of public servants who are grappling with a large volume of work, with the possibility of overcoming the term to handle requests. An equitable solution in solving these distortions would be the inclusion of the environmental stamp within the tax on means of transport, tax that is paid annually by vehicle owners. At the moment the level of the environmental stamp is calculated depending on the CO2 emissions, exhaust emissions and the age of the vehicle. Tax on means of transport is calculated based on engine capacity, an amount determined by CO2 emissions multiplying with each group of 200 cc or fraction on it. Therefore the unification of the two taxes would create a balance for all categories of vehicles.

  5. Stamping Die Making. 439-318/320.

    Science.gov (United States)

    Yunke, P.; And Others

    Each unit in this curriculum guide on stamping die making contains an introduction, objectives, materials required, lessons, space for notes, figures, and diagrams. There are 29 units in this guide, dealing with the following topics: EZ-MILL programming; EZ-MILL BATT; print of punch and EZ-MILL part programming; download to Computer Numerical…

  6. Fast thermal nanoimprint lithography by a stamp with integrated heater

    DEFF Research Database (Denmark)

    Tormen, Massimo; Malureanu, Radu; Pedersen, Rasmus Haugstrup

    2008-01-01

    We propose fast nanoimprinting lithography (NIL) process based on the use of stamps with integrated heater. The latter consists of heavily ion implantation n-type doped silicon layer buried below the microstructured surface of the stamp. The stamp is heated by Joule effect, by 50 μs 25 Hz...

  7. Ex-Post : The Investment Performance of Collectible Stamps

    NARCIS (Netherlands)

    Dimson, E.; Spaenjers, C.

    2009-01-01

    This paper investigates the returns on British collectible postage stamps over the very long run, based on stamp catalogue prices. Between 1900 and 2008, we find an annualized return on stamps of 6.7% in nominal terms, which is equivalent to an average real return of 2.7% per annum. Prices have

  8. 77 FR 25127 - Food and Nutrition Service

    Science.gov (United States)

    2012-04-27

    ..., or other technological collection techniques or other forms of information technology. Comments may... disasters, is included under OMB information collection No. 0584-0064, titled ''Food Stamp Forms...

  9. Development of a georeferenced data bank of radionuclides in typical food of Latin America - SIGLARA

    International Nuclear Information System (INIS)

    Nascimento, Lucia Maria Evangelista do

    2014-01-01

    The related management information related to the environmental assessment activity aims to provide the world community with better access to meaningful environmental information and help use this information in making decisions in case of contamination due to accident or deliberate actions. In recent years, the geotechnologies acquired are fundamental to research and environmental monitoring, once it possible, efficiently obtaining large amount of data natural resources. The result of this work was the development of a database system to store georeferenced data values of radionuclides in typical foods in Latin America (SIGLARA), defined in three languages (Spanish, Portuguese and English), using free software. The developed system meets the primary need of the RLA 09/72 ARCAL Project, funded by the International Atomic Energy Agency (IAEA), as having eleven participants countries in Latin America. The database of georeferenced created for SIGLARA system was tested in its applicability through the entry and manipulation of real data analyzed, which showed that the system is able to store, retrieve, view reports and maps of the samples of registered food. Interfaces that connect the user with the database show up efficient, making the system easy operability. Their application to environmental management is already showing results, it is hoped that these results will encourage its widespread adoption by other countries, institutions, the scientific community and the general public. (author)

  10. Hot stamping advanced manufacturing technology of lightweight car body

    CERN Document Server

    Hu, Ping; He, Bin

    2017-01-01

    This book summarizes the advanced manufacturing technology of original innovations in hot stamping of lightweight car body. A detailed description of the technical system and basic knowledge of sheet metal forming is given, which helps readers quickly understand the relevant knowledge in the field. Emphasis has been placed on the independently developed hot stamping process and equipment, which help describe the theoretical and experimental research on key problems involving stress field, thermal field and phase transformation field in hot stamping process. Also, a description of the formability at elevated temperature and the numerical simulation algorithms for high strength steel hot stamping is given in combination with the experiments. Finally, the book presents some application cases of hot stamping technology such as the lightweight car body design using hot stamping components and gradient hardness components, and the cooling design of the stamping tool. This book is intended for researchers, engineers...

  11. Hot stamping of AA7075 aluminum sheets

    Science.gov (United States)

    Mendiguren, J.; Saenz de Argandona, E.; Galdos, L.

    2016-11-01

    In this work the formability of a high strength aluminium alloy (AA7075-T6) for the stamping of an automotive component has been studied. Due to the low formability of the selected alloy, two different heat assisted forming strategies have been analysed. On the one hand, the W-temper process, where the thermal process is carried out prior to the forming operation. On the other hand, the hot stamping process, where the thermal process is carried out at the same time as the forming. The results showed that both technology were able to form the component avoiding any failure of the material. On the contrary, both processes reduced the final mechanical properties of the material compared to the as received material condition. However, the obtained mechanical properties doubled the strength of commonly used 5xxx and 6xxx aluminium alloys.

  12. How a Guaranteed Annual Income Could Put Food Banks Out of Business

    Directory of Open Access Journals (Sweden)

    J.C. Herbert Emery

    2013-12-01

    Full Text Available The federal Conservative government recently began phasing in a plan to raise the age of eligibility for Old Age Security from 65 to 67. But a more sensible move for improving the effectiveness of Canada’s social safety-net system may be to actually lower the age below 65 and rely strictly on an income test instead, regardless of age. The government could go a lot further toward the reduction of poverty in Canada by building on the success of its income supports for seniors, and making them available to poor Canadians of all ages. Canada can boast of having one of the lowest rates for poverty among seniors in the world, largely due to its guaranteed income programs for those 65 years and older. When low-income Canadians turn 65 years old and leave behind low-paying, often unstable jobs, their poverty levels drop substantially. What a guaranteed income provides, that their vulnerable job situation did not, is a form of protection against budget shocks — a sudden volatility in income or expenses without the access to savings or credit to smooth things out until stability returns. A guaranteed income provides a kind of “disaster insurance” that can protect someone in a crisis situation from going without necessities such as food or even shelter. Statistics show that the rate of Canadians experiencing “food insecurity” — that is, lack of access to food because of financial constraints — is half that among Canadians aged 65 to 69 years than it is among those aged 60 to 64. Self-reported rates of physical and mental health improve markedly as well after lowincome Canadians move from low-wage, insecure employment to a guaranteed income at the age of 65. That dramatic shift in physical and mental health indicates that expanding guaranteed income programs to younger Canadians is more than a simple cost calculation: there are potential savings to be found as poorer Canadians, given a guaranteed income, become healthier and therefore reduce

  13. DOUBLE SHEAR DESIGN TO REDUCED STAMPING FORCE

    Directory of Open Access Journals (Sweden)

    Rudi Kurniawan Arief

    2017-12-01

    Full Text Available Ideally processing of part using stamping machine using only 70-80 % of available force to keep machine in good shape for a long periods. But in some certain case the force may equal to or exceed the available maximum force so the company must sent the process to another outsource company. A case found in a metal stamping company where a final product consist of 3 parts to assembly with one part exceeded the force of available machine. This part can only process in a 1000 tons machine while this company only have 2 of this machine with full workload. Sending this parts outsource will induce delivery problems because other parts are processed, assembled and paint inhouse, this also need additional transportation cost and extra supervision to ensure the quality and delivery schedule. The only exit action of this problem is by reducing the force tonnage. This paper using punch inclining method to reduce the force. The incline punch will distributed the force along the inclined surface that reduce stamping force as well. Inclined surface of punch also cause another major problems that the product becoming curved after process. This problems solved with additional flattening process that add more process cost but better than to outsource the process. Chisel type of inclining punch tip was choosen to avoid worst deformation of product. This paper will give the scientific recomendation to the company.

  14. How Do Stamp Duties Affect the Housing Market?

    OpenAIRE

    Davidoff, Ian; Leigh, Andrew

    2013-01-01

    Land transfer taxes are a substantial portion of the cost of moving house in many developed countries. Since stamp duties are endogenous with respect to the house price, we create an instrumental variable that is the stamp duty on a property, given that postcode's starting house price and the national house price trend. In a specification with postcode and year fixed effects, this instrument effectively captures policy changes and nonlinearities in the stamp duty schedule. We find that the im...

  15. FRACTIONAL BANKING

    OpenAIRE

    Maria Klimikova

    2010-01-01

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

  16. A synthesis of bentho-pelagic coupling on the Antarctic shelf: Food banks, ecosystem inertia and global climate change

    Science.gov (United States)

    Smith, Craig R.; Mincks, Sarah; DeMaster, David J.

    2006-04-01

    The Antarctic continental shelf is large, deep (500-1000 m), and characterized by extreme seasonality in sea-ice cover and primary production. Intense seasonality and short pelagic foodwebs on the Antarctic shelf may favor strong bentho-pelagic coupling, whereas unusual water depth combined with complex topography and circulation could cause such coupling to be weak. Here, we address six questions regarding the nature and strength of coupling between benthic and water-column processes on the continental shelf surrounding Antarctica. We find that water-column production is transmitted to the shelf floor in intense pulses of particulate organic matter, although these pulses are often difficult to correlate with local phytoplankton blooms or sea-ice conditions. On regional scales, benthic habitat variability resulting from substrate type, current regime, and iceberg scour often may obscure the imprint of water-column productivity on the seafloor. However, within a single habitat type, i.e. the muddy sediments that characterize much of the deep Antarctic shelf, macrobenthic biomass appears to be correlated with regional primary production and sea-ice duration. Over annual time-scales, many benthic ecological processes were initially expected to vary in phase with the extraordinary boom/bust cycle of production in the water column. However, numerous processes, including sediment respiration, deposit feeding, larval development, and recruitment, often are poorly coupled to the summer bloom season. Several integrative, time-series studies on the Antarctic shelf suggest that this lack of phasing may result in part from the accumulation of a persistent sediment food bank that buffers the benthic ecosystem from the seasonal variability of the water column. As a consequence, a variety of benthic parameters (e.g., sediment respiration, inventories of labile organic matter, macrobenthic biomass) may act as "low-pass" filters, responding to longer-term (e.g., inter

  17. Stamp duties in Indian states - a case for reform

    OpenAIRE

    Alm, James; Annez, Patricia; Modi, Arbind

    2004-01-01

    The authors review the options for reform of stamp duties on immovable property transfers collected by Indian state governments. After briefly reviewing some of the many administrative difficulties experienced with the tax, they turn to an examination of its economic impacts. A review of stamp duties internationally indicates that Indian rates are exceptionally high, at rates often above 1...

  18. Design and Development of a Soap Stamping and Tableting ...

    African Journals Online (AJOL)

    A soap stamping and tableting machine comprising a printing die/pattern inscriptioner, cutting blade, conveyor belt, and two electric motors was developed and tested. Performance test analysis conducted showed that the machine operated with an optimal stamping/tableting capacity of 10205 soap tablets per hour with an ...

  19. Islamic banking

    OpenAIRE

    Pak, Viktoriya

    2010-01-01

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

  20. Banking contracts

    OpenAIRE

    Sochorová, Silvie

    2012-01-01

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

  1. The serum bank of EuroPrevall - the prevalence, cost and basis of food allergy across Europe

    NARCIS (Netherlands)

    Vieths, Stefan; Reese, Gerald; Ballmer-Weber, Barbara K.; Beyer, Kerstin; Burney, Peter; Fernandez-Rivas, Montserrat; Summers, Collin; Ree, Ronald van; Mills, Clare

    2008-01-01

    EuroPrevall is an EU-funded multidisciplinary project including 62 institutions from 22 countries. EuroPrevall studies the prevalence and distribution of food allergies in infants, children, adolescents, and adults in Europe, threshold doses for allergenic foods, the role of the environment in food

  2. Facile stamp patterning method for superhydrophilic/superhydrophobic surfaces

    Energy Technology Data Exchange (ETDEWEB)

    Lyu, Sungnam, E-mail: blueden@postech.ac.kr; Hwang, Woonbong, E-mail: whwang@postech.ac.kr [Department of Mechanical Engineering, POSTECH, Pohang 680-749 (Korea, Republic of)

    2015-11-16

    Patterning techniques are essential to many research fields such as chemistry, biology, medicine, and micro-electromechanical systems. In this letter, we report a simple, fast, and low-cost superhydrophobic patterning method using a superhydrophilic template. The technique is based on the contact stamping of the surface during hydrophobic dip coating. Surface characteristics were measured using scanning electron microscopy and energy-dispersive X-ray spectroscopic analysis. The results showed that the hydrophilic template, which was contacted with the stamp, was not affected by the hydrophobic solution. The resolution study was conducted using a stripe shaped stamp. The patterned line was linearly proportional to the width of the stamp line with a constant narrowing effect. A surface with regions of four different types of wetting was fabricated to demonstrate the patterning performance.

  3. A cracked beam or plate transversely loaded by a stamp

    Science.gov (United States)

    Nied, H. F.; Erdogan, F.

    1979-01-01

    In this paper the problem of an infinite elastic beam or a plate containing a crack is considered. The medium is loaded transversely through a stamp which may be rigid or elastic. The problem is a coupled crack-contact problem which cannot be solved by treating the crack and contact problems separately and by using a superposition technique. First the Green's functions for the general case are obtained. Then the integral equations for a cracked infinite strip loaded by a frictionless stamp are obtained. With the question of fracture in mind, the primary interest in the paper has been in calculating the stress intensity factors. The results are given for a rigid flat stamp with sharp edges and for an elastic curved stamp. The effect of friction at the supports on the stress intensity factors is also studied and a numerical example is given.

  4. design and development of a soap stamping and tableting machine

    African Journals Online (AJOL)

    2012-07-02

    pattern inscriptioner, cutting blade, conveyor belt, and two electric motors was developed and tested. Performance test analysis conducted showed that the machine operated with an optimal stamping/tableting capacity of 10205.

  5. Premia Foods avab börsil uue kasvutsükli / Kadri Jakobson, Kadri Bank ; kommenteerinud Andrus Alber

    Index Scriptorium Estoniae

    Jakobson, Kadri, 1970-

    2010-01-01

    Premia Foods kavatseb oma aktsiad noteerida Tallinna börsil aprillis või mais, firma eesmärk on saada Baltimaade, Skandinaavia ja Loode-Venemaa juhtivaks sügavkülmutatud ja jahutatud toidukaupade tootmise ja müügiga tegelevaks ettevõtteks. Skeem: AS Premia Foods

  6. Why Stamp Duties are an Increasing Financial Burden on Australian Home Buyers

    OpenAIRE

    Wood, Gavin A.

    1994-01-01

    The purchaser of housing incurs stamp duty liabilities in all Australian States. These stamp duties are levied on the conveyance of residential property and mortgage sums secured. In general, stamp duties were a growing financial burden on home buyers during the period 1985-1991. This paper examines the role of house price inflation in causing increases in average rates of stamp duty, the responsiveness of average rates of stamp duty to future changes in the nominal tax base and the effective...

  7. Spectral analysis of postage stamps and banknotes from the region of Rijeka in Croatia

    Science.gov (United States)

    Jelovica Badovinac, I.; Orlić, N.; Lofrumento, C.; Dobrinić, J.; Orlić, M.

    2010-07-01

    Micro-Raman spectroscopy and X-ray emission spectroscopy induced using radioactive source have been applied to analyze two types of samples important for the history of Rijeka, Croatian port on the Adriatic Sea. In this paper we will present study of thirty-three original Hungarian postage stamps issued for Rijeka and overprinted with the word FIUME in 1918, after the World War I and the one-Lira banknotes (one original brown banknote and four trial prints: brown, blue, green and dark green) from Economy bank for Rijeka, Istria and Slovenian Littoral (1945-1947), the so-called Jugolire. This investigation was carried out to determine the differences between the original machine, original hand-made and fake overprints FIUME and to compare the pigments used on original banknote from circulation with the pigments on the trial prints.

  8. Spectral analysis of postage stamps and banknotes from the region of Rijeka in Croatia

    Energy Technology Data Exchange (ETDEWEB)

    Jelovica Badovinac, I., E-mail: ijelov@phy.uniri.h [Department of Physics, University of Rijeka, Omladinska 14, 51000 Rijeka (Croatia); Orlic, N. [Department of Physics, University of Rijeka, Omladinska 14, 51000 Rijeka (Croatia); Lofrumento, C. [Dipartimento di Chimica, Universita di Firenze, Via della Lastruccia 3, 50019 Sesto Fiorentino (Italy); Dobrinic, J. [Faculty of Engineering, University of Rijeka, Vukovarska 58, 51000 Rijeka (Croatia); Orlic, M. [Department of Civil Engineering, Polytechnic of Zagreb, Av. V. Holjevca 15, 10000 Zagreb (Croatia)

    2010-07-21

    Micro-Raman spectroscopy and X-ray emission spectroscopy induced using radioactive source have been applied to analyze two types of samples important for the history of Rijeka, Croatian port on the Adriatic Sea. In this paper we will present study of thirty-three original Hungarian postage stamps issued for Rijeka and overprinted with the word FIUME in 1918, after the World War I and the one-Lira banknotes (one original brown banknote and four trial prints: brown, blue, green and dark green) from Economy bank for Rijeka, Istria and Slovenian Littoral (1945-1947), the so-called Jugolire. This investigation was carried out to determine the differences between the original machine, original hand-made and fake overprints FIUME and to compare the pigments used on original banknote from circulation with the pigments on the trial prints.

  9. Spectral analysis of postage stamps and banknotes from the region of Rijeka in Croatia

    International Nuclear Information System (INIS)

    Jelovica Badovinac, I.; Orlic, N.; Lofrumento, C.; Dobrinic, J.; Orlic, M.

    2010-01-01

    Micro-Raman spectroscopy and X-ray emission spectroscopy induced using radioactive source have been applied to analyze two types of samples important for the history of Rijeka, Croatian port on the Adriatic Sea. In this paper we will present study of thirty-three original Hungarian postage stamps issued for Rijeka and overprinted with the word FIUME in 1918, after the World War I and the one-Lira banknotes (one original brown banknote and four trial prints: brown, blue, green and dark green) from Economy bank for Rijeka, Istria and Slovenian Littoral (1945-1947), the so-called Jugolire. This investigation was carried out to determine the differences between the original machine, original hand-made and fake overprints FIUME and to compare the pigments used on original banknote from circulation with the pigments on the trial prints.

  10. Liquidity, Banking, and Bank Failures.

    OpenAIRE

    Williamson, Stephen D

    1988-01-01

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

  11. "Stamp-off" to micropattern sparse, multicomponent features.

    Science.gov (United States)

    Desai, Ravi A; Rodriguez, Natalia M; Chen, Christopher S

    2014-01-01

    Spatially patterned subtractive de-inking, a process we term "stamp-off," provides a simple method to generate sparse, multicomponent protein micropatterns. It has been applied to control cell adhesion, study adhesion biology, as well as to micropattern fragile surfaces. This technique can also readily be applied to study nanoscale interactions between cell membrane receptors and surface-immobilized ligands. It is based on conventional microcontact printing and as such requires the same reagents, including photolithographically defined masters, a spin-coater, poly(dimethyl siloxane) (PDMS), and conventional cell culture reagents such as glass coverslips and adhesive proteins. Stamp-off is conceptually simplified into three steps: (1) generation of an appropriate cell culture substrate, PDMS-coated glass, (2) micropatterning with stamp-off, and (3) cell deposition. After elaborating each of these three methods, we discuss limitations of the technique and its applications. Copyright © 2014 Elsevier Inc. All rights reserved.

  12. Optimum utilization of low ash carbonaceous constituents in stamp charging

    Energy Technology Data Exchange (ETDEWEB)

    Dash, P.S.; Krishnan, S.H.; Sharma, R. [Tata Steel, Jamshedpur (India)

    2004-07-01

    To produce high strength coke at reasonable cost, Tata Steel went for stamp charging along with 40-45% imported coal. It is imperative to design the base stamp charge coal blend so as to possess enough fluidity to assimilate these infusible inerts and still produce coke with high coke strength after reaction (CSR). This paper describes the scope of utilising low ash carbonaceous inerts like fluid coke (a petroleum coke made in a fluidized bed) and anthracite optimally in the stamp charging blend by replacing the present imported semi-soft coal with high fluidity imported coals. The laboratory scale experimentation and its results regarding improvement in coke properties and yield are also described. 5 refs., 2 figs., 3 tabs.

  13. Time Stamp Synchronization of PEFP Distributed Control Systems

    International Nuclear Information System (INIS)

    Song, Young Gi; An, Eun Mi; Kwon, Hyeok Jung; Cho, Yong Sub

    2010-01-01

    Proton Engineering Frontier Project (PEFP) proton linac consists of several types of control systems, such as soft Input Output Controllers (IOC) and embedded IOC based on Experimental Physics Industrial Control System (EPICS) for each subsection of PEFP facility. One of the important factors is that IOC's time clock is synchronized. The synchronized time and time stamp can be achieved with Network Time Protocol (NTP) and EPICS time stamp record without timing hardware. The requirement of the time accuracy of IOCs is less than 1 second. The main objective of this study is to configure a master clock and produce Process Variable (PV) time stamps using local CPU time synchronized from the master clock. The distributed control systems are attached on PEFP control network

  14. Bank regulation and banking stability

    NARCIS (Netherlands)

    Boot, A.; Thakor, A.V.

    2014-01-01

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

  15. Is shadow banking really banking?

    OpenAIRE

    Bryan J. Noeth; Rajdeep Sengupta

    2011-01-01

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

  16. The Choices programme: a simple, front-of-pack stamp making healthy choices easy.

    Science.gov (United States)

    Dötsch-Klerk, Mariska; Jansen, Léon

    2008-01-01

    Some food products fit better within a healthy diet than others, but how can consumers tell? The Choices programme is a simple and internationally-applicable programme to help consumers make a healthy choice on food and beverages and to stimulate industry towards healthy product innovation in all food groups. The essence of the programme is a front-of-pack stamp on products that pass an evaluation against scientific criteria. To that end generic criteria have been established for levels of saturated fat, trans fat, sugars and sodium, which are based on international dietary guidelines (FAO/WHO). For some food categories there are specific criteria for these nutrients as well as for dietary fibre and calories. In this way the criteria are challenging without being impossible to meet. The programme has been initiated by food industry and is open to all companies in food industry, retail and catering. The approach is also supported by nutritional scientists, governments and NGOs. An independent scientific committee is responsible for designing and periodically reviewing the qualifying criteria. The current qualifying criteria were developed by scientific committees in the Netherlands and Belgium. These criteria will now be reviewed by an International Scientific Committee, consisting of internationally-recognised food and nutrition experts. To accommodate the developments in nutrition science and food technology, this review will take place every two years.

  17. The Formability of Friction Stir Welds in Automotive Stamping Environments

    Energy Technology Data Exchange (ETDEWEB)

    Grant, Glenn J.; Davies, Richard W.; Stephens, Elizabeth V.; Wazny, Scott; Kaunitz, Leon; Waldron, Douglas J.

    2006-02-01

    Automobile body and truck cab structures are composed primarily of stampings formed from monolithic and constant gage blanks. Cost and weight penalties can arise when strength or other requirements in one small area of the part leads to the use of a material or gage that is overmatched to the needs of the rest of the stamping. Tailor Welded Blanks (TWBs) are hybrid sheet products composed of either different materials or different thickness sheets that are joined together, then subjected to a stamping operation to create a formed assembly. The strategy is employed generally to save weight and material costs in the formed assembly by placing higher strength or thicker sections only where needed. The forming or stamping process requires the joint to be severely deformed along with the parent sheets. Aluminum TWBs for automotive applications are particularly problematic because of the low formability of aluminum weld metal. Friction Stir Welding (FSW) is a process recently applied to Aluminum TWBs that has the potential to produce a higher quality weld. The current study presents data on the mechanical properties, formability, and FSW weld process parameter development for friction stir welded aluminum, Tailor Welded Blanks. Friction stir welded TWBs can be shown to have higher formability, higher ductility, and lower defect content than many competing joining processes, and they can be fabricated at speeds appropriate for automotive manufacturing.

  18. The Formability of Friction Stir Welds in Automotive Stamping Environments

    Energy Technology Data Exchange (ETDEWEB)

    Grant, Glenn J.; Davies, Richard W.; Stephens, Elizabeth V.; wazny, scott; Kaunitz, Leon; Waldron, D.

    2005-04-01

    Automobile body and truck cab structures are composed primarily of stampings formed from monolithic and constant gage blanks. Cost and weight penalties can arrise when strength or other requirements in one small area of the part leads to the use of a material or gage that is overmatched to the needs of the rest of the stamping. Tailor Welded Blanks (TWBs) are hybrid sheet products composed of either different materials or different thickness sheets that are joined together, then subjected to a stamping operation to create a formed assembly. The strategy is employed generally to save weight and material costs in the formed assembly by placing higher strength or thicker sections only where needed. The forming or stamping process requires the joint to be severely deformed along with the parent sheets. Aluminum TWBs for automotive applications are particularly problematic because of the low formability of aluminum weld metal. Friction Stir Welding (FSW) is a process recently applied to Aluminum TWBs that has the potential to produce a higher quality weld. The current study presents data on the mechanical properties, formability, and FSW weld process parameter development for friction stir woined, aluminum, Tailor Welded Blanks. Friction stir welded TWBs can be shown to have higher formability, higher ductility, and lower defect content than many competing joining processes, and they can be fabricated at speeds appropriate for automotive manufacturing.

  19. Modelling the deformation process of flexible stamps for nanoimprint lithography

    DEFF Research Database (Denmark)

    Sonne, Mads Rostgaard

    The present thesis is devoted to numerical modelling of the deformation process of flexible stamps for nanoimprint lithography (NIL). The purpose of those models is to be able to predict the deformation and stretch of the flexixble stamps in order to take that into account when designing the plan...... 2D silicon master used in the NIL process. Two different manufacturing processes are investigated; (i) Embossing of an electroplated nickel foil into a hydrogen silsesquioxane (HSQ) polymer resist on a double-curved surface, (ii) NIL of a flexible polytetrafluoroethylene (PTFE) stamps...... into a polymethyl methacrylate (PMMA) resist. Challenges comprise several non-linear phenomena. First of all geometrical non-linearities arising from the inherent large strains and deformations during the process are modelled. Then, the constitutive behaviors of the nickel foil and the PTFE polymer during...... deformation are addressed. This is achieved by a general elasto-plastic description for the nickel foil and a viscoelastic-viscoplastic model for the PTFE material, in which the material parameters are found. Last, the contact conditions between the deforming stamp and the injection moulding tool insert...

  20. 46 CFR 53.10-10 - Certification by stamping.

    Science.gov (United States)

    2010-10-01

    ... boilers shall be as indicated in HG-530 of section IV of the ASME Boiler and Pressure Vessel Code... 46 Shipping 2 2010-10-01 2010-10-01 false Certification by stamping. 53.10-10 Section 53.10-10 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) MARINE ENGINEERING HEATING BOILERS Tests...

  1. 41 CFR 101-25.103-3 - Trading stamps or bonus goods received from contractors.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 2 2010-07-01 2010-07-01 true Trading stamps or bonus... PROCUREMENT 25-GENERAL 25.1-General Policies § 101-25.103-3 Trading stamps or bonus goods received from contractors. When contracts contain a price reduction clause, any method (such as trading stamps or bonus...

  2. 26 CFR 301.7209-1 - Unauthorized use or sale of stamps.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 18 2010-04-01 2010-04-01 false Unauthorized use or sale of stamps. 301.7209-1... § 301.7209-1 Unauthorized use or sale of stamps. (a) Any person who buys, sells, offers for sale, uses... regulations made pursuant thereto, any stamp, coupon, ticket, book, or other device prescribed by the...

  3. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    OpenAIRE

    IMOLA DRIGĂ

    2014-01-01

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

  4. Efficient methods of nanoimprint stamp cleaning based on imprint self-cleaning effect

    International Nuclear Information System (INIS)

    Meng Fantao; Chu Jinkui; Luo Gang; Zhou Ye; Carlberg, Patrick; Heidari, Babak; Maximov, Ivan; Montelius, Lars; Xu, H Q; Nilsson, Lars

    2011-01-01

    Nanoimprint lithography (NIL) is a nonconventional lithographic technique that promises low-cost, high-throughput patterning of structures with sub-10 nm resolution. Contamination of nanoimprint stamps is one of the key obstacles to industrialize the NIL technology. Here, we report two efficient approaches for removal of typical contamination of particles and residual resist from stamps: thermal and ultraviolet (UV) imprinting cleaning-both based on the self-cleaning effect of imprinting process. The contaminated stamps were imprinted onto polymer substrates and after demolding, they were treated with an organic solvent. The images of the stamp before and after the cleaning processes show that the two cleaning approaches can effectively remove contamination from stamps without destroying the stamp structures. The contact angles of the stamp before and after the cleaning processes indicate that the cleaning methods do not significantly degrade the anti-sticking layer. The cleaning processes reported in this work could also be used for substrate cleaning.

  5. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2014-12-01

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

  6. BANK GUARANTEES

    OpenAIRE

    Vasile NEME

    2012-01-01

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

  7. Soil Temperature and Moisture Profile (STAMP) System Handbook

    Energy Technology Data Exchange (ETDEWEB)

    Cook, David R. [Argonne National Lab. (ANL), Argonne, IL (United States)

    2016-11-01

    The soil temperature and moisture profile system (STAMP) provides vertical profiles of soil temperature, soil water content (soil-type specific and loam type), plant water availability, soil conductivity, and real dielectric permittivity as a function of depth below the ground surface at half-hourly intervals, and precipitation at one-minute intervals. The profiles are measured directly by in situ probes at all extended facilities of the SGP climate research site. The profiles are derived from measurements of soil energy conductivity. Atmospheric scientists use the data in climate models to determine boundary conditions and to estimate the surface energy flux. The data are also useful to hydrologists, soil scientists, and agricultural scientists for determining the state of the soil. The STAMP system replaced the SWATS system in early 2016.

  8. Reactive wet stamping for patterning of polyelectrolyte multilayers.

    Science.gov (United States)

    Cho, Chungyeon; Valverde, Lauralee; Ozin, Geoffrey A; Zacharia, Nicole S

    2010-08-17

    Patterning of soft films, especially their bulk and not only their surface properties, presents a challenge. Several lithographic techniques do exist, but many of them are complex or limited in their ability to change properties. A few methods of patterning polyelectrolyte multilayers (PEM) have been reported, including microcontact printing and selectively growing layers on patterned self-assembled monolayers, but these all come with certain limitations. We present here the use of a modified microcontact printing method, reactive wet stamping (r-WETs), using a hydrogel stamp soaked in aqueous solutions to create patterns in PEMs. With this technique we are able to locally cause swelling and porosity changes in the PEM films and use our method to qualitatively study the evolution of the porous film morphology. This technique has the potential to locally control chemical functionality, film thickness, and mechanical properties, leading to a new ability to control film architectures both at the film surface and within the bulk of the film.

  9. CO2 Laser Cutting of Hot Stamping Boron Steel Sheets

    OpenAIRE

    Pasquale Russo Spena

    2017-01-01

    This study investigates the quality of CO2 laser cutting of hot stamping boron steel sheets that are employed in the fabrication of automotive body-in-white. For this purpose, experimental laser cutting tests were conducted on 1.2 mm sheets at varying levels of laser power, cutting speed, and oxygen pressure. The resulting quality of cut edges was evaluated in terms of perpendicularity tolerance, surface irregularity, kerf width, heat affected zone, and dross extension. Experimental tests wer...

  10. Monitoring enzymatic degradation of pericellular matrices through SERS stamping

    Science.gov (United States)

    Yan, Bo; Hong, Yan; Chen, Tianhong; Reinhard, Björn M.

    2012-06-01

    We introduce a surface enhanced Raman spectroscopy (SERS) stamping approach for acquiring cell-surface specific vibrational spectra of individual living cells under physiological conditions. The SERS stamping approach utilizes a nanostructured metal surface on top of a lithographically defined piston that can be translated in 3-dimensions with nanometer resolution to contact living cells in solution with a pristine metal surface. We applied this approach to characterize the chemical composition of the cellular surface of living MCF7 breast cancer cells and to monitor its change upon addition of the enzyme hyaluronidase, which degrades major constituents of the pericellular matrix. Although the cell surface spectra show significant cell-to-cell fluctuations, a statistical barcode analysis of the spectra ensembles reveals systematic changes in the cell surface SERS spectra upon addition of hyaluronidase, which are consistent with a thinning of the pericellular matrix.We introduce a surface enhanced Raman spectroscopy (SERS) stamping approach for acquiring cell-surface specific vibrational spectra of individual living cells under physiological conditions. The SERS stamping approach utilizes a nanostructured metal surface on top of a lithographically defined piston that can be translated in 3-dimensions with nanometer resolution to contact living cells in solution with a pristine metal surface. We applied this approach to characterize the chemical composition of the cellular surface of living MCF7 breast cancer cells and to monitor its change upon addition of the enzyme hyaluronidase, which degrades major constituents of the pericellular matrix. Although the cell surface spectra show significant cell-to-cell fluctuations, a statistical barcode analysis of the spectra ensembles reveals systematic changes in the cell surface SERS spectra upon addition of hyaluronidase, which are consistent with a thinning of the pericellular matrix. Electronic supplementary information

  11. Use of tobacco tax stamps to prevent and reduce illicit tobacco trade--United States, 2014.

    Science.gov (United States)

    Chriqui, Jamie; DeLong, Hillary; Gourdet, Camille; Chaloupka, Frank; Edwards, Sarah Matthes; Xu, Xin; Promoff, Gabbi

    2015-05-29

    Tobacco use is the leading cause of preventable disease and death in the United States. Increasing the unit price on tobacco products is the most effective tobacco prevention and control measure. Illicit tobacco trade (illicit trade) undermines high tobacco prices by providing tobacco users with cheaper-priced alternatives. In the United States, illicit trade primarily occurs when cigarettes are bought from states, jurisdictions, and federal reservation land with lower or no excise taxes, and sold in jurisdictions with higher taxes. Applying tax stamps to tobacco products, which provides documentation that taxes have been paid, is an important tool to combat illicit trade. Comprehensive tax stamping policy, which includes using digital, encrypted ("high-tech") stamps, applying stamps to all tobacco products, and working with tribes on stamping agreements, can further prevent and reduce illicit trade. This report describes state laws governing tax stamps on cigarettes, little cigars (cigarette-sized cigars), roll-your-own tobacco (RYOT), and tribal tobacco sales across the United States as of January 1, 2014, and assesses the extent of comprehensive tobacco tax stamping in the United States. Forty-four states (including the District of Columbia [DC]) applied traditional paper ("low-tech") tax stamps to cigarettes, whereas four authorized more effective high-tech stamps. Six states explicitly required stamps on other tobacco products (i.e., tobacco products other than cigarettes), and in approximately one third of states with tribal lands, tribes required tax stamping to address illicit purchases by nonmembers. No U.S. state had a comprehensive approach to tobacco tax stamping. Enhancing tobacco tax stamping across the country might further prevent and reduce illicit trade in the United States.

  12. Comparison of the hot-stamped boron-alloyed steel and the warm-stamped medium-Mn steel on microstructure and mechanical properties

    International Nuclear Information System (INIS)

    Li, Xiaodong; Chang, Ying; Wang, Cunyu; Hu, Ping; Dong, Han

    2017-01-01

    The application of high strength steels (HSS) for automotive structural parts is an effective way to realize lightweight and enhance safety. Therefore, improvements in mechanical properties of HSS are needed. In the present study, the warm stamping process of the third generation automotive medium-Mn steel was discussed, the characteristics of martensitic transformation were investigated, as well as the microstructure and mechanical properties were analyzed, compared to the popular hot-stamped 22MnB5 steel in the automotive industry. The results are indicated as follows. Firstly, the quenching rate of the medium-Mn steel can be selected in a wide range based on its CCT curves, which is beneficial to the control of forming process. Secondly, the influence of stamping temperature and pressure on the M s temperature of the medium-Mn steel is not obvious and can be neglected, which is favorable to the even distribution of martensitic microstructure and mechanical properties. Thirdly, the phenomenon of decarbonization is hardly found on the surface of the warm-stamped medium-Mn steel, and the ultra-fine-grained microstructure is found inside the medium-Mn steel after warm stamping. Besides, the warm-stamped medium-Mn steel holds the better comprehensive properties, such as a lower yield ratio, higher total elongation and higher tear toughness than the hot-stamped 22MnB5 steel. Furthermore, an actual warm-stamped B-pillar of medium-Mn steel is stamped and ultra-fine-grained martensitic microstructure is obtained. The mechanical properties are evenly distributed. As a result, this paper proves that the warm-stamped medium-Mn steel part can meet the requirements of lightweight and crash safety, and is promising for the industrial production of automotive structural parts.

  13. Food Assistance Programs and Child Health

    Science.gov (United States)

    Gundersen, Craig

    2015-01-01

    Food assistance programs--including the Supplemental Nutrition Assistance Program (SNAP, or food stamps), the National School Lunch Program, and the School Breakfast Program--have been remarkably successful at their core mission: reducing food insecurity among low-income children. Moreover, writes Craig Gundersen, SNAP in particular has also been…

  14. Mathematical Modeling of Hydroelastic Oscillations of the Stamp and the Plate, Resting on Pasternak Foundation

    Science.gov (United States)

    Mogilevich, L. I.; Popov, V. S.; Popova, A. A.; Christoforova, A. V.

    2018-01-01

    The forced oscillations of the elastic fixed stamp and the plate, resting on Pasternak foundation are studied. The oscillations are caused by pressure pulsation in liquid layer between the stamp and the plate. Pasternak model is chosen as an elastic foundation. The laws of the stamp movement, the plate deflection and pressure in the liquid are discovered on the basis of hydroelasticity problem analytical solution. The functions of amplitude deflection distribution and liquid pressure along the plate are constructed, as well as the stamp amplitude-frequency characteristic. The obtained mathematical model allows to investigate the dynamics of hydroelastic interaction of the stamp with the plate, resting on elastic foundation, to define resonance frequencies of the plate and the stamp and corresponding deflections amplitudes, as well as liquid presser amplitudes.

  15. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

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

  16. 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...

  17. Time series analysis of tool wear in sheet metal stamping using acoustic emission

    Science.gov (United States)

    Vignesh Shanbhag, V.; Pereira, P. Michael; Rolfe, F. Bernard; Arunachalam, N.

    2017-09-01

    Galling is an adhesive wear mode that often affects the lifespan of stamping tools. Since stamping tools represent significant economic cost, even a slight improvement in maintenance cost is of high importance for the stamping industry. In other manufacturing industries, online tool condition monitoring has been used to prevent tool wear-related failure. However, monitoring the acoustic emission signal from a stamping process is a non-trivial task since the acoustic emission signal is non-stationary and non-transient. There have been numerous studies examining acoustic emissions in sheet metal stamping. However, very few have focused in detail on how the signals change as wear on the tool surface progresses prior to failure. In this study, time domain analysis was applied to the acoustic emission signals to extract features related to tool wear. To understand the wear progression, accelerated stamping tests were performed using a semi-industrial stamping setup which can perform clamping, piercing, stamping in a single cycle. The time domain features related to stamping were computed for the acoustic emissions signal of each part. The sidewalls of the stamped parts were scanned using an optical profilometer to obtain profiles of the worn part, and they were qualitatively correlated to that of the acoustic emissions signal. Based on the wear behaviour, the wear data can be divided into three stages: - In the first stage, no wear is observed, in the second stage, adhesive wear is likely to occur, and in the third stage severe abrasive plus adhesive wear is likely to occur. Scanning electron microscopy showed the formation of lumps on the stamping tool, which represents galling behavior. Correlation between the time domain features of the acoustic emissions signal and the wear progression identified in this study lays the basis for tool diagnostics in stamping industry.

  18. Multi-cycle rolled aluminum alloy 3103 sandwiches: mechanical properties and stamp ability

    OpenAIRE

    Nosova Ekaterina; Erisov Yaroslav; Grechnikov Fedor

    2017-01-01

    Constructional part producing by sheet stamping of multilayer composites requires the stamping ability data. The aim of a work is to estimate mechanical properties, stamping ratio and anisotropy indexes of 2, 4, 8 and 12 layer sandwiches produced from aluminium alloy AA3103. The pieces were received by the cold rolling. Interoperation annealing was at 500°C for 1 hour. Charts of tensile strength, yield stress, elongation depending on layer thickness were composed. It was found that cold strai...

  19. 49 CFR 238.119 - Rim-stamped straight-plate wheels.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Rim-stamped straight-plate wheels. 238.119 Section... Requirements § 238.119 Rim-stamped straight-plate wheels. (a)(1) Except as provided in paragraph (a)(2) of this... than a private car, that is equipped with a rim-stamped straight-plate wheel if a brake shoe acts on...

  20. Determination of the Interfacial Heat Transfer Coefficient in the Hot Stamping of AA7075

    OpenAIRE

    Ji Kang; Liu Xiaochuan; El Fakir Omer; Liu Jun; Zhang Qunli; Wang Liliang

    2016-01-01

    The interfacial heat transfer coefficient (IHTC) is a key parameter in hot stamping processes, in which a hot blank is formed and quenched by cold dies simultaneously. The IHTC should therefore be identified and used in FE simulations to improve the accuracy of simulation results of hot stamping processes. In this work, a hot stamping simulator was designed and assembled in a Gleeble 3800 thermo-mechanical testing system and a FE model was built in PAM-STAMP to determine the IHTC values betwe...

  1. Determination of the interfacial heat transfer coefficient in the hot stamping of AA7075

    OpenAIRE

    Liu Xiaochuan; Ji Kang; Fakir Omer El; Liu Jun; Zhang Qunli; Wang Liliang

    2015-01-01

    The interfacial heat transfer coefficient (IHTC) is a key parameter in hot stamping processes, in which a hot blank is formed and quenched by cold dies simultaneously. The IHTC should therefore be identified and used in FE models to improve the accuracy of simulation results of hot stamping processes. In this work, a hot stamping simulator was designed and assembled in a Gleeble 3800 thermo-mechanical testing system and a FE model was built in PAM-STAMP to determine the IHTC value between a h...

  2. Minerals on postage stamps: A mix of art, history, economics and geography

    Science.gov (United States)

    Glover, Paul

    2010-05-01

    Most people would agree that minerals represent some of the most beautiful natural objects known to mankind, especially in the form of precious and semi-precious gemstones. It is hardly surprising, therefore, that they are often illustrated on stamps. Examples are the fine crystalline forms represented as coloured etchings in the French 1986 issue, and the stylized simplicity of the mineral stamps that were part of the Swiss Pro Patria series, issued annually between 1958 and 1961. I aim in this presentation to introduce the beautiful world of mineral illustrations on stamps. The talk cannot be comprehensive because of the very large number of minerals and stamps concerned, but it will introduce the range of minerals depicted on stamps, then look in some greater detail at several sets from France, Southern Africa and East Germany. Minerals become the subject of sets of stamps for many reasons. In many cases, it is part of an attempt by the particular national post office to depict the whole of the natural history of their country in stamp form - a statement of nationality and politics. The 1986 French issue was an example which followed sets of stamps that had already portrayed insects, flowers, trees and birds native to France. We also find that certain countries have produced several sets of stamps to mark the importance to their economy of mining particular minerals. Many African states depend upon minerals for much of their wealth and economic power, explaining why, for instance, Sierra Leone issued over 35 stamps on the subject of diamonds between 1965 and 1978, and why over 77% of mineral stamps come from countries with major mining interests. Countries with traditional links with the history of the study of geology and mining also produce mineral stamps. These are usually European countries with a long record of the study of the Earth, such as Germany and Switzerland. Curiously enough, though, despite its fine tradition of geological observation and research

  3. Simulation Study on Hot Stamping Forming of the Drive Axle Housing of Heavy Truck

    Science.gov (United States)

    Dai, Yongqian; Ji, Jianyi; Luo, Lingjiang

    2018-01-01

    Aiming at the national energy-saving and emission reduction requirements, lightweight of the heavy truck is imminent. Several parameters related to hot stamping forming process of heavy truck drive axle housing are studied in this paper. The results show that the existing two-step stamping with air cooling molding process, can be improved into one-step hot stamping process. The initial temperature of the blank, stamping speed and other parameters related to the forming process were optimized. The results provides useful reference for improving the existing forming process of the drive axle housing, and it is also helpful for realizing the lightweight design of drive axle housing.

  4. An interactive and flexible approach to stamping design and optimization

    International Nuclear Information System (INIS)

    Roy, Subir; Kunju, Ravi; Kirby, David

    2004-01-01

    This paper describes an efficient method that integrates finite element analysis (FEA), mesh morphing and response surface based optimization in order to implement an automated and flexible software tool to optimize stamping tool and process design. For FEA, a robust and extremely fast inverse solver is chosen. For morphing, a state of the art mesh morpher that interactively generates shape variables for optimization studies is used. The optimization algorithm utilized in this study enables a global search for a multitude of parameters and is highly flexible with regards to the choice of objective functions. A quality function that minimizes formability defects resulting from stretching and compression is implemented

  5. Bank development; bank development efficiency; bank management; bank.

    OpenAIRE

    Самородов, Б. В.

    2014-01-01

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

  6. Foods

    Science.gov (United States)

    Brennan, Charles

    2012-11-21

    There is one commodity the world over that unites mankind-food. In 2011 the United Nations claimed that the world's population had reached the seven billion mark, a number which is set to increase dramatically in the decades to come. Food security, supply and sustainability are of paramount concern to the future economic and social progress of humanity. It is the responsibility of the food industry, together with food scientists and technologists, to shoulder the burden of ensuring an adequate supply of nutritious, safe and sensorially acceptable foods for a range of demanding consumers. In responding to this challenge, we need to understand the link between agriculture, engineering, food processing, molecular biosciences, human nutrition, commercialisation and innovation. Access to information concerning the composition and quality of foods has never been so easy for consumers and technologists alike. A plethora of research publications are made available each month to scientists and associated interested parties. The outcomes of these research manuscripts are often distilled and disseminated into messages available to everyone through bulletin boards, forums and the popular press. Newspapers and new agencies constantly report on the latest pharma-medical finding, or news regarding food safety and security concerns. We live in an age where information is so readily available to everyone that the task of finding credible and reputable data can be difficult at times. Providing sound evidenced based research is where a peer-reviewed journal can provide clarity. [...].

  7. Phenomenon of Swiss banking

    Directory of Open Access Journals (Sweden)

    Milenković Ivan

    2015-01-01

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

  8. CO2 Laser Cutting of Hot Stamping Boron Steel Sheets

    Directory of Open Access Journals (Sweden)

    Pasquale Russo Spena

    2017-10-01

    Full Text Available This study investigates the quality of CO2 laser cutting of hot stamping boron steel sheets that are employed in the fabrication of automotive body-in-white. For this purpose, experimental laser cutting tests were conducted on 1.2 mm sheets at varying levels of laser power, cutting speed, and oxygen pressure. The resulting quality of cut edges was evaluated in terms of perpendicularity tolerance, surface irregularity, kerf width, heat affected zone, and dross extension. Experimental tests were based on a L9(34 orthogonal array design, with the effects of the process parameters on the quality responses being determined by means of a statistical analysis of variance (ANOVA. Quadratic mathematical models were developed to determine the relationships between the cutting parameters and the quality responses. Finally, a routine based on an optimization criterion was employed to predict the optimal setting of cutting factors and its effect on the quality responses. A confirmation experiment was conducted to verify the appropriateness of the optimization routine. The results show that all of the examined process parameters have a key role in determining the cut quality of hot stamping boron steel sheets, with cutting speed and their interactions having the most influencing effects. Particularly, interactions can have an opposite behavior for different levels of the process parameters.

  9. Core-satellite supraparticles to ballistically stamp nanostructures on surfaces.

    Science.gov (United States)

    Oppmann, Maximilian; Miller, Franziska; Thürauf, Sandra; Groppe, Philipp; Prieschl, Johannes; Stauch, Claudia; Mandel, Karl

    2018-03-27

    Nanostructured surfaces are of great importance in a very wide range of fields. They can be obtained by imprint or deposition techniques. However, these are usually sophisticated to perform. Generally, it is not easy to equip an object/product with a nanostructure post manufacturing. Yet, it would be very beneficial to achieve a modification of an arbitrary surface with a nanostructure of choice at a later stage by an approach that is simple to perform without the need of sophisticated equipment or excessive treatment by physico-chemical methods. Herein, such a process is reported which combines two "old-fashioned" techniques, namely sandblasting and rubber-stamping, and translates them to the "nano-world". By creating core-satellite supraparticles via spray-drying, a ballistic core-satellite stamp particle system is obtained which can be used to easily transfer a wide range of nanoparticles to a great variety of surfaces to equip these with a nanostructure and subsequently advanced properties. These include water-repellant, anti-fouling or anti-dust surfaces. Moreover, it is also demonstrated that the approach can be used to manufacture well-defined nano-imprinted surfaces. Such surfaces showed an improved spreading behavior for aliphatic alcohols, thus rendering such surfaces for instance very susceptible for disinfectants. All in all, the simple technique described herein has a great potential for creating nanostructured surfaces on nearly any surface.

  10. Stamping, Clapping and Chanting: An Ancient Learning Pathway?

    Directory of Open Access Journals (Sweden)

    Marion M. Long

    2006-04-01

    Full Text Available In this review I explore the effect of temporal integration as a means of improving learning in schoolchildren. I focus first on theorists that have linked physical activity with a positive effect on children’s learning and second to psychological studies that have established the existence of innate temporal patterns. These findings are related to a model of temporal integration that I have developed from Croce’s writings on aesthetics (1900. From philosophy to neurology, I discuss recent neurological findings relating to timing and conclude that an organ of temporal integration, regulation and coordination operates in the brain with respect to physical, intuitive and higher cognitive function. I link recent findings in neurophysiology to notably similar findings in recent biomusicological studies. The finding that humans have an involuntary physical response to loud, low-frequency sounds are attributed to an innate legacy of proto-music and proto-dance behaviour among hominids. I develop the model of temporal integration further by examining the literature on stamping and clapping patterns of ancient traditional dances in relation to Husserl’s writings on theoretical succession. From philosophy to pedagogy, I summarise the review by proposing stamping, clapping and chanting as a means of achieving improved temporal integration.

  11. Size Effect Studies on Tensile Tests for Hot Stamping Steel

    Science.gov (United States)

    Chen, Xiaodu; Li, Yuanyuan; Han, Xianhong; Zhang, Junbo

    2018-02-01

    Tensile tests have been widely used to determine basic mechanical properties of materials. However, the properties measured may be related to geometrical factors of the tested samples especially for high-strength steels; this makes the properties' definitions and comparisons difficult. In this study, a series of tensile tests of ultra-high-strength hot-stamped steel were performed; the geometric shapes and sizes as well as the cutting direction were modified. The results demonstrate that the hot-stamped parts were isotropic and the cutting direction had no effect; the measured strengths were practically unrelated to the specimen geometries, including both size and shape. The elongations were slightly related to sample sizes within the studied range but highly depended on the sample shape, represented by the coefficient K. Such phenomena were analyzed and discussed based on microstructural observations and fracture morphologies. Moreover, two widely used elongation conversion equations, the Oliver formula and Barba's law, were introduced to verify their applicability, and a new interpolating function was developed and compared.

  12. Two Important Stamp Motifs in Roman Britain and Thereafter

    Directory of Open Access Journals (Sweden)

    Diana C. Briscoe

    2016-03-01

    Full Text Available Stamped pottery has had a long and varied history in Britain. There have been periods when it flourished and periods when it almost totally disappeared. This article considers two variations of the rosette motif (A 5 and their fortunes from the late Iron Age to the Early Saxon period. Having been of little importance in the Iron Age and early Roman periods, they became some of the most widely used and distributed motifs in the fourth century. By the fifth century, they were still important, but formed a much smaller proportion of the total motifs than in the fourth century. In the vast majority of cases, there is no correlation between the find spots of fourth and fifth century examples. However, I have identified nine locations where one or other of the two motifs have been found on a late Roman site, which lies within a mile of another site with the same motif, but from the post-Roman period. In these rare conjunctions, I believe that ongoing usage of the motif can be demonstrated from Roman to post-Roman times. It is also clear that pot stamp evidence can be vital in identifying these highly unusual locations and pointing other researchers to sites worthy of special attention.

  13. Elsa Baxter, head of the Swiss Post Office's Stamps and Philately Unit, presents to Robert Aymar, CERN's Director-General, the Swiss commemorative stamp dedicated to CERN

    CERN Multimedia

    Patrice Loiez

    2004-01-01

    'I am delighted to offer you a special stamp which commemorates your Laboratory's fifty-year history and pays tribute to its achievements, its pioneering spirit and its perseverance' said Mrs Baxter to Robert Aymar, CERN's Director-General.

  14. Women Putting Our Stamp on America: Biographies and Activities for National Women's History Month, March 1999.

    Science.gov (United States)

    National Women's History Project, Windsor, CA.

    This booklet, intended for use by educators and by workplace and community organizers, introduces women who have been featured on U.S. postage stamps as well as a few of the women who clearly merit such honor in the future. Postage stamps featuring women have been relatively few and far between and have only skimmed the surface of U.S. women in…

  15. 27 CFR 70.332 - Unauthorized use or sale of stamps.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 2 2010-04-01 2010-04-01 false Unauthorized use or sale....332 Unauthorized use or sale of stamps. Any person who buys, sells, offers for sale, uses, transfers... Code or in regulations made pursuant thereto, any stamp, coupon, ticket, book, or other device...

  16. Simulating Retail Banking for Banking Students

    Science.gov (United States)

    Supramaniam, Mahadevan; Shanmugam, Bala

    2009-01-01

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

  17. Determination of the Interfacial Heat Transfer Coefficient in the Hot Stamping of AA7075

    Directory of Open Access Journals (Sweden)

    Ji Kang

    2016-01-01

    Full Text Available The interfacial heat transfer coefficient (IHTC is a key parameter in hot stamping processes, in which a hot blank is formed and quenched by cold dies simultaneously. The IHTC should therefore be identified and used in FE simulations to improve the accuracy of simulation results of hot stamping processes. In this work, a hot stamping simulator was designed and assembled in a Gleeble 3800 thermo-mechanical testing system and a FE model was built in PAM-STAMP to determine the IHTC values between a hot aluminium alloy 7075 blank and cold dies. The IHTC values were determined at different contact pressures under both dry and lubricated (Omega-35 conditions. In addition, a model to calculate the IHTC value at different contact pressures and area densities of lubricant was developed for the hot stamping process, which was proved to be working well with verification tests.

  18. Determination of the interfacial heat transfer coefficient in the hot stamping of AA7075

    Directory of Open Access Journals (Sweden)

    Liu Xiaochuan

    2015-01-01

    Full Text Available The interfacial heat transfer coefficient (IHTC is a key parameter in hot stamping processes, in which a hot blank is formed and quenched by cold dies simultaneously. The IHTC should therefore be identified and used in FE models to improve the accuracy of simulation results of hot stamping processes. In this work, a hot stamping simulator was designed and assembled in a Gleeble 3800 thermo-mechanical testing system and a FE model was built in PAM-STAMP to determine the IHTC value between a hot aluminium alloy 7075 blank and cold dies. The IHTC was determined at different contact pressures under both dry and lubricated (Omega-35 conditions. In addition, a model to calculate the IHTC value at different contact pressures and area densities of lubricant was developed for the hot stamping process.

  19. Influence of preconsolidation on consolidation quality after stamp forming of C/PEEK composites

    Science.gov (United States)

    Slange, T. K.; Warnet, L.; Grouve, W. J. B.; Akkerman, R.

    2016-10-01

    Stamp forming is a rapid manufacturing technology used to shape flat blanks of thermoplastic composite material into three-dimensional components. Currently, expensive autoclave and press consolidation are used to preconsolidate blanks. This study investigates the influence of preconsolidation on final consolidation quality after stamp forming and explores the potential of alternative blank manufacturing methods that could reduce part costs. Blanks were manufactured using various blank manufacturing methods and subsequently were stamp formed. The consolidation quality both before and after stamp forming was compared, where the focus was on void content as the main measure for consolidation quality. The void content was characterized through thickness and density measurements, as well as by microscopy analysis. Results indicate that preconsolidation quality does have an influence on the final consolidation quality. This is due to the severe deconsolidation and limited reconsolidation during stamp forming. Nevertheless, the potential of automated fiber placement and ultrasonic spot welding as alternative blank manufacturing methods was demonstrated.

  20. Automatic machine for the stamp charging of cakes of coal for coking. Machine automatique pour le pilonnage des pains de charbon a cokefier

    Energy Technology Data Exchange (ETDEWEB)

    Baro, R.; Crauser, L.; Mely, A.

    1988-06-29

    This machine, which consists of several basic stamp chargers that are interlinked and each of which has several stamps, has a total length that is one run less than the length of the stamp charging box, all the stamps being a constant distance apart which is at most equal to the said run so that the alternating movement of the machine along the rung ensures that the coal is stamp charged along the whole length of the stamp charging box, the stamps being, in addition, braked and stopped when necessary by an idler roller device that acts automatically in the stamp's ascending direction.

  1. Phenomenon of Swiss banking

    OpenAIRE

    Milenković Ivan; Milenković Dragana

    2015-01-01

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

  2. Titanium nitride stamps replicating nanoporous anodic alumina films

    International Nuclear Information System (INIS)

    Navas, D; Sanchez, O; Asenjo, A; Jaafar, M; Baldonedo, J L; Vazquez, M; Hernandez-Velez, M

    2007-01-01

    Fabrication of nanostructured TiN films by magnetron sputtering using nanoporous anodic alumina films (NAAF) as substrates is reported. These hard nanostructured films could be used for pre-patterning aluminium foils and to obtain nanoporous films replicating the starting NAAF over a wide range of pore diameters and spacings. Pre-patterned Al foils are obtained by compression with pressures lower than those previously reported, then a new NAAF can be fabricated by means of only one anodization process. As an example, one of the TiN stamps was used for pre-patterning an Al foil at a pressure of 200 kg cm -2 and then it was anodized in oxalic acid solution obtaining the corresponding replica of the starting NAAF

  3. A novel time stamping technique for distributed data acquisition systems

    Science.gov (United States)

    Subramaniam, E. T.

    2012-12-01

    In this paper, we discuss the design and implementation of a synchronizing technique for data acquisition systems, which can effectively use the normal, standard local area network cables to provide a time stamp, with a range up to 32 days, resolution of 10 ns, and synchronization within ± 5 ns. This system may be used to synchronize data being collected by independent heterogeneous data acquisition modules, that acquire events independently. Such distributed systems are generally designed with a tree-like structure or independent self-triggered acquisition boxes. These leaf edges are connected through branches to the root node, via non-bus based inter-connecting links. The present system has been tested with a set of self-triggered digital signal processing based data acquisition engines, having a 100 MHz analog to digital converter front end.

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

    NARCIS (Netherlands)

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

    2017-01-01

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

  5. Public versus private food assistance: barriers to participation differ by age and ethnicity.

    Science.gov (United States)

    Martin, Katie S; Cook, John T; Rogers, Beatrice L; Joseph, Hugh M

    2003-01-01

    To examine participation in the Food Stamp Program, food pantries, and soup kitchens and to identify reasons food-insecure households choose not to participate. Cross-sectional retrospective cohort study. In respondents' homes. 330 randomly selected low-income households (below 185% of poverty). Participation in any of 3 public or private food assistance programs and barriers to participation in each program. Chi-square tests of association between program participation and sociodemographic characteristics. Logistic regression tested for associations between program participation and ethnicity and between food security status and household composition while controlling for potential confounding factors. Controlling for socioeconomic status, Black households are less than half as likely to receive food stamps (odds ratio [OR] = 0.49; P food pantries (P food stamps (OR = 0.44; P =.04) as nonelderly households and are more likely to say that they feel uncomfortable receiving food stamps (P =.05). Low-income households' perceptions of which programs are socially acceptable differ by race and age. Outreach for food stamps and private food assistance should accommodate these differences so that food-insecure households can benefit from all available food assistance.

  6. Analysis of roll-stamped light guide plate fabricated with laser-ablated stamper

    Science.gov (United States)

    Na, Hyunjun; Hong, Seokkwan; Kim, Jongsun; Hwang, Jeongho; Joo, Byungyun; Yoon, Kyunghwan; Kang, Jeongjin

    2017-12-01

    LGP (light guide plate) is one of the major components of LCD (liquid crystal display), and it makes surface illumination for LCD backlit. LGP is a transparent plastic plate usually produced by injection molding process. On the back of LGP there are micron size patterns for extraction of light. Recently a roll-stamping process has achieved the high mass productivity of thinner LGPs. In order to fabricate optical patterns on LGPs, a fabricating tool called as a stamper is used. Micro patterns on metallic stampers are made by several micro machining processes such as chemical etching, LIGA-reflow, and laser ablation. In this study, a roll-stamping process by using a laser ablated metallic stamper was dealt with in consideration of the compatibility with the roll-stamping process. LGP fabricating tests were performed using a roll-stamping process with four different roll pressures. Pattern shapes on the stamper fabricated by laser ablation and transcription ratios of the roll-stamping process were analyzed, and LGP luminance was evaluated. Based on the evaluation, optical simulation model for LGP was made and simulation accuracy was evaluated. Simulation results showed good agreements with optical performance of LGPs in the brightness and uniformity. It was also shown that the roll-stamped LGP has the possibility of better optical performance than the conventional injection molded LGP. It was also shown that the roll-stamped LGP with the laser ablated stamper is potential to have better optical performance than the conventional injection molded LGP.

  7. A unique patterned diamond stamp for a periodically hierarchical nanoarray structure

    Science.gov (United States)

    Wang, Yi; Shen, Yanting; Xu, Weiqing; Xu, Shuping; Li, Hongdong

    2016-10-01

    A diamond stamp with a hierarchical pattern was designed for the direct preparation of a periodic nanoarray structure, which was prepared by the reactive ion etching technique with a hierarchical ultrathin alumina membrane (HUTAM) as a mask. The optimal etching conditions for fabricating the diamond stamp were discussed in order to realize a vertical nanopore structure, avoiding structural damage from lateral etching. By using this diamond stamp, a polymer film with the desired hierarchical nanorod array structure can be obtained easily via the simple stamping process, which greatly simplifies the processing procedure. More importantly, the stamp is reusable because of its super-hardness, which ensures the reproducibility of the nanorod array pattern. Another merit is that the smooth surface of the etched diamond can avoid the use of a release agent. Our results prove that this hard stamp can be used for quick preparation of an elaborate periodic nanoarray structure. This study is significant in that it solves the problems of high cost and easy damage of stamps in nanoimprint lithography, and it might inspire more sophisticated applications of such an ordered structure in nanoplasmonics, biochemical sensing and nanophotonic devices.

  8. Resistless Fabrication of Nanoimprint Lithography (NIL Stamps Using Nano-Stencil Lithography

    Directory of Open Access Journals (Sweden)

    Juergen Brugger

    2013-10-01

    Full Text Available In order to keep up with the advances in nano-fabrication, alternative, cost-efficient lithography techniques need to be implemented. Two of the most promising are nanoimprint lithography (NIL and stencil lithography. We explore here the possibility of fabricating the stamp using stencil lithography, which has the potential for a cost reduction in some fabrication facilities. We show that the stamps reproduce the membrane aperture patterns within ±10 nm and we validate such stamps by using them to fabricate metallic nanowires down to 100 nm in size.

  9. Conical tungsten stamps for the replication of pore arrays in anodic aluminium oxide films

    Science.gov (United States)

    LeClere, D. J.; Thompson, G. E.; Derby, B.

    2009-06-01

    A tungsten master stamp has been generated by applying a novel procedure that includes two-step anodizing, followed by sequential anodizing and pore widening to develop nominally funnelled pores. These conical-shaped pores were filled with tungsten by sputter coating to manufacture a master stamp. Under a pressure of 65 MPa, the master stamp successfully embossed the surface of annealed and electropolished aluminium. The embossed surface was then used to control the position of pores created by anodizing under the conditions used to produce the original pore array.

  10. Limited indications of tax stamp discordance and counterfeiting on cigarette packs purchased in tobacco retailers, 97 counties, USA, 2012.

    Science.gov (United States)

    Lee, Joseph G L; Golden, Shelley D; Ribisl, Kurt M

    2017-12-01

    Increasing the per-unit cost of tobacco products is one of the strongest interventions for tobacco control. In jurisdictions with higher taxes in the U.S., however, cigarette pack litter studies show a substantial proportion of littered packs lack the appropriate tax stamp. More limited but still present counterfeiting also exists. We sought to examine the role of tobacco retailers as a source for untaxed and counterfeit products. Data collectors purchased Newport Green (menthol) or Marlboro Red cigarette packs in a national probability-based sample of tobacco retailers (in 97 counties) from June-October 2012. They made no effort to buy counterfeit or untaxed cigarettes. In this cross-sectional study, we assessed the presence, tax authority, and type (low-tech thermal vs. encrypted) of cigarette pack tax stamps; concordance of tax stamps with where the pack was purchased; and, for Marlboro cigarettes, publicly available visible indicators of counterfeiting. We purchased 2147 packs of which 2033 had tax stamps. Packs missing stamps were in states that do not require them. We found very limited discordance between store location and tax stamp(s) (tax stamps (13%). This occurred entirely with low-tech tax stamps and was not identified with encrypted tax stamps. We found no clear evidence of counterfeit products. Almost all tax stamps matched the location of purchase. Litter studies may be picking up legal tax avoidance instead of illegal tax evasion or, alternatively, purchase of illicit products requires special request by the purchaser.

  11. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

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

  12. Banking governance: New Approaches

    Directory of Open Access Journals (Sweden)

    Victor Mihăiţă Duţă

    2016-11-01

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

  13. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

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

  14. Internet Banking integration within the banking system

    Directory of Open Access Journals (Sweden)

    Constantin Marian MATEI

    2008-01-01

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

  15. E-BANKING- MODERN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    MIRANDA PETRONELLA VLAD

    2009-05-01

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

  16. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

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

  17. Mars Express/MARSIS - Analysis and solution of an anomaly event: MARSIS Data Bad Time Stamp

    Science.gov (United States)

    Giuppi, S.; Cartacci, M.; Cicchetti, A.; Noschese, R.; Orosei, R.

    2011-10-01

    This paper describes the detection, the analysis and the possible solutions of an anomaly event occurred sometimes in MARSIS science data consisting in the corruption of the Spacecraft Event Time (SCET): MARSIS Data Bad Time Stamp.

  18. Process control for sheet-metal stamping process modeling, controller design and shop-floor implementation

    CERN Document Server

    Lim, Yongseob; Ulsoy, A Galip

    2014-01-01

    Process Control for Sheet-Metal Stamping presents a comprehensive and structured approach to the design and implementation of controllers for the sheet metal stamping process. The use of process control for sheet-metal stamping greatly reduces defects in deep-drawn parts and can also yield large material savings from reduced scrap. Sheet-metal forming is a complex process and most often characterized by partial differential equations that are numerically solved using finite-element techniques. In this book, twenty years of academic research are reviewed and the resulting technology transitioned to the industrial environment. The sheet-metal stamping process is modeled in a manner suitable for multiple-input multiple-output control system design, with commercially available sensors and actuators. These models are then used to design adaptive controllers and real-time controller implementation is discussed. Finally, experimental results from actual shopfloor deployment are presented along with ideas for further...

  19. 31 CFR 500.410 - Currency, coins, and postage and other stamps.

    Science.gov (United States)

    2010-07-01

    ... postage and other stamps issued by North Korea, North Viet-Nam, Cambodia, or South Viet-Nam are merchandise of North Korean, North Vietnamese, Cambodian, or South Vietnamese origin subject to § 500.204(a)(1). ...

  20. A burial with a stamp seal depicting a Bes-like figure from Abusir

    Czech Academy of Sciences Publication Activity Database

    Dulíková, V.; Odler, M.; Březinová, Helena; Havelková, P.

    2015-01-01

    Roč. 2015, č. 15 (2015), s. 69-75 ISSN 1214-3189 Institutional support: RVO:67985912 Keywords : Abusir * Old Kingdom * First Intermediate Period * stamp seal * amulet * Bes * reed coffin * entheses Subject RIV: AC - Archeology, Anthropology, Ethnology

  1. High Thermal Conductivity and High Wear Resistance Tool Steels for cost-effective Hot Stamping Tools

    Science.gov (United States)

    Valls, I.; Hamasaiid, A.; Padré, A.

    2017-09-01

    In hot stamping/press hardening, in addition to its shaping function, the tool controls the cycle time, the quality of the stamped components through determining the cooling rate of the stamped blank, the production costs and the feasibility frontier for stamping a given component. During the stamping, heat is extracted from the stamped blank and transported through the tool to the cooling medium in the cooling lines. Hence, the tools’ thermal properties determine the cooling rate of the blank, the heat transport mechanism, stamping times and temperature distribution. The tool’s surface resistance to adhesive and abrasive wear is also an important cost factor, as it determines the tool durability and maintenance costs. Wear is influenced by many tool material parameters, such as the microstructure, composition, hardness level and distribution of strengthening phases, as well as the tool’s working temperature. A decade ago, Rovalma developed a hot work tool steel for hot stamping that features a thermal conductivity of more than double that of any conventional hot work tool steel. Since that time, many complimentary grades have been developed in order to provide tailored material solutions as a function of the production volume, degree of blank cooling and wear resistance requirements, tool geometries, tool manufacturing method, type and thickness of the blank material, etc. Recently, Rovalma has developed a new generation of high thermal conductivity, high wear resistance tool steel grades that enable the manufacture of cost effective tools for hot stamping to increase process productivity and reduce tool manufacturing costs and lead times. Both of these novel grades feature high wear resistance and high thermal conductivity to enhance tool durability and cut cycle times in the production process of hot stamped components. Furthermore, one of these new grades reduces tool manufacturing costs through low tool material cost and hardening through readily

  2. Insulation from basaltic stamp sand. Final technical report

    Energy Technology Data Exchange (ETDEWEB)

    Williams, F. D.

    1981-04-01

    A Midwest Appropriate Technology Grant was awarded to determine the technical and economic feasibility of producing mineral-fiber insulation directly from extensive deposits of basaltic sand produced during former mining and milling operations in the Keweenaw Peninsula region of Michigan's Upper Peninsula. The amounts of local basaltic sands available and representative chemical compositions were determined. The variation of viscosity with temperature and chemical composition was estimated. Samples were melted and either pulled or blown into fiber. In all cases fiber could be made with a reasonable tensile strength to ensure usefulness. It was concluded that it was technically feasible to produce fibers from basaltic stamp sands of the Upper Peninsula of Michigan. A technical feasibility study using published data, a cost and design analysis of a basalt fiber production plant, a market survey of fiber needs, and an economic analysis for investing in a basalt fiber venture was undertaken. These studies concluded that the local production of basaltic insulation was both feasible and economically reasonable. It was suggested that the plant be located in a region of greater population density with lower utility costs. A representative one-third of these studies is included as appendices A, B, C, and D.

  3. Investigation of the reduction of mouldboard ploughshare wear through hot stamping and hardfacing processes

    OpenAIRE

    YAZICI, Aysel

    2014-01-01

    The effects of the hot stamping process and different hardfacing techniques, such as shielded metal arc welding (SMAW) and gas metal arc welding (GMAW), on the abrasive wear of ploughshares were investigated under field operational conditions. The abrasive wear losses were determined by measuring the weight and dimension changes before and after tillage. The wear losses of hot-stamped and hardfaced ploughshares were less significant than those of the conventionally heat-treated ploughshare sp...

  4. Springback analysis of AA5754 after hot stamping: Experiments and FE modelling

    OpenAIRE

    Wang, A; Zhong, K; El Fakir, O; Sun, C; Wang, L; Lin, J; Dean, TA

    2016-01-01

    In this paper, the springback of the aluminium alloy AA5754 under hot stamping conditions was characterised under stretch and pure bending conditions. It was found that elevated temperature stamping was beneficial for springback reduction, particularly when using hot dies. Using cold dies, the flange springback angle decreased by 9.7 % when the blank temperature was increased from 20 to 450 ?C, compared to the 44.1 % springback reduction when hot dies were used. Various other forming conditio...

  5. A Fully Automated and Robust Method to Incorporate Stamping Data in Crash, NVH and Durability Analysis

    Science.gov (United States)

    Palaniswamy, Hariharasudhan; Kanthadai, Narayan; Roy, Subir; Beauchesne, Erwan

    2011-08-01

    Crash, NVH (Noise, Vibration, Harshness), and durability analysis are commonly deployed in structural CAE analysis for mechanical design of components especially in the automotive industry. Components manufactured by stamping constitute a major portion of the automotive structure. In CAE analysis they are modeled at a nominal state with uniform thickness and no residual stresses and strains. However, in reality the stamped components have non-uniformly distributed thickness and residual stresses and strains resulting from stamping. It is essential to consider the stamping information in CAE analysis to accurately model the behavior of the sheet metal structures under different loading conditions. Especially with the current emphasis on weight reduction by replacing conventional steels with aluminum and advanced high strength steels it is imperative to avoid over design. Considering this growing need in industry, a highly automated and robust method has been integrated within Altair Hyperworks® to initialize sheet metal components in CAE models with stamping data. This paper demonstrates this new feature and the influence of stamping data for a full car frontal crash analysis.

  6. Hot Stamping of Boron Steel Using Partition Heating for Tailored Properties: Experimental Trials and Numerical Analysis

    Science.gov (United States)

    Mu, Yanhong; Wang, Baoyu; Zhou, Jing; Huang, Xu; Li, Xuetao

    2017-11-01

    Hot-stamped components with tailored properties are becoming popular for their better performance in collision. In this article, an M-shaped part with varying properties was formed by hot stamping using partition heating. Different soaking temperatures induce different austenite fractions at the different regions of the blank, resulting in the partitioned microstructure and mechanical properties in a single part. In the high-temperature region, the average tensile strength and elongation are 1565 MPa and 8.65 pct, respectively, and the average tensile strength and elongation are 626 MPa and 24.37 pct, respectively, in the low-temperature region. A finite element model of hot stamping using partition heating was established based on the relationship of austenite fraction with heating temperature determined by the dilatometer test and the stress-strain curve of 22MnB5 with different austenite fractions acquired from the hot tensile test.The differences of temperature, thickness, and Vickers hardness in different zones of the M-shaped part during forming and quenching stages were analyzed. The effects of hot stamping parameters, such as stamping velocity and heating temperature, on the forming and mechanical properties of the tailored M-shaped part were investigated, providing theoretical guidance for the production of tailored hot-stamped components using partition heating.

  7. Carbon nanotube substrates and catalyzed hot stamp for polishing and patterning the substrates

    Science.gov (United States)

    Wang, Yuhuang [Evanston, IL; Hauge, Robert H [Houston, TX; Schmidt, Howard K [Houston, TX; Kim, Myung Jong [Houston, TX; Kittrell, W Carter [Houston, TX

    2009-09-08

    The present invention is generally directed to catalyzed hot stamp methods for polishing and/or patterning carbon nanotube-containing substrates. In some embodiments, the substrate, as a carbon nanotube fiber end, is brought into contact with a hot stamp (typically at 200-800.degree. C.), and is kept in contact with the hot stamp until the morphology/patterns on the hot stamp have been transferred to the substrate. In some embodiments, the hot stamp is made of material comprising one or more transition metals (Fe, Ni, Co, Pt, Ag, Au, etc.), which can catalyze the etching reaction of carbon with H.sub.2, CO.sub.2, H.sub.2O, and/or O.sub.2. Such methods can (1) polish the carbon nanotube-containing substrate with a microscopically smooth finish, and/or (2) transfer pre-defined patterns from the hot stamp to the substrate. Such polished or patterned carbon nanotube substrates can find application as carbon nanotube electrodes, field emitters, and field emitter arrays for displays and electron sources.

  8. BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Yuliya Onyshchenko

    2015-11-01

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

  9. Small finance banks: Challenges

    Directory of Open Access Journals (Sweden)

    Jayadev M

    2017-12-01

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

  10. Development of an item bank for food parenting practices based on published instruments and reports from Canadian and U.S. parents

    Science.gov (United States)

    Research to understand how parents influence their children's dietary intake and eating behaviors has expanded in the past decades and a growing number of instruments are available to assess food parenting practices. Unfortunately, there is no consensus on how constructs should be defined or operati...

  11. GenBank

    OpenAIRE

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

    2002-01-01

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

  12. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

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

  13. Tribological performances of new steel grades for hot stamping tools

    Science.gov (United States)

    Medea, F.; Venturato, G.; Ghiotti, A.; Bruschi, S.

    2017-09-01

    In the last years, the use of High Strength Steels (HSS) as structural parts in car body-in-white manufacturing has rapidly increased thanks to their favourable strength-to-weight ratio and stiffness, which allow a reduction of the fuel consumption to accommodate the new restricted regulations for CO2 emissions control. The survey of the technical and scientific literature shows a large interest in the development of different coatings for the blanks from the traditional Al-Si up to new Zn-based coatings and on the analysis of hard PVD, CVD coatings and plasma nitriding applied on the tools. By contrast, fewer investigations have been focused on the development and test of new tools steels grades capable to improve the wear resistance and the thermal properties that are required for the in-die quenching during forming. On this base, the paper deals with the analysis and comparison the tribological performances in terms of wear, friction and heat transfer of new tool steel grades for high-temperature applications, characterized by a higher thermal conductivity than the commonly used tools. Testing equipment, procedures as well as measurements analyses to evaluate the friction coefficient, the wear and heat transfer phenomena are presented. Emphasis is given on the physical simulation techniques that were specifically developed to reproduce the thermal and mechanical cycles on the metal sheets and dies as in the industrial practice. The reference industrial process is the direct hot stamping of the 22MnB5 HSS coated with the common Al-Si coating for automotive applications.

  14. Living on the edge: examination of people attending food pantries and soup kitchens.

    Science.gov (United States)

    Biggerstaff, Marilyn A; Morris, Patricia McGrath; Nichols-Casebolt, Ann

    2002-07-01

    This article presents information from a study of people receiving food assistance services from food pantries and soup kitchens in Virginia. The data indicate that significant numbers of individuals and families--many of whom are employed--are seeking food assistance. Many of these individuals also have been homeless, victims of domestic violence, unable to pay their utility bills, or have lost their public benefits. A critical issue raised by the findings is the low rate of participation in the food stamp program. Fewer than 40 percent of the respondents were receiving food stamps. Although the food stamp program is intended to help households buy a nutritionally adequate diet, there is growing concern that a large segment of low-income Americans are slipping through this safety net. The article concludes with suggestions for social work interventions to address issues of food security.

  15. Diversity of Physicians’ Handwriting and Name Stamp in Chemotherapy Prescriptions: Potential Target for Fraud

    Directory of Open Access Journals (Sweden)

    Asiyeh Amouei

    2018-02-01

    Full Text Available BBackgrounds: Verification and authentication of the paper-based handwritten prescriptions is of great importance for antineoplastic medications that are good targets for forgery and fraud. Pharmacists usually investigate handwriting, signature and name stamp of prescribers to verify prescriptions in Iran. Anecdotal reports of variations in handwriting and name stamp of physicians who wrote antineoplastic prescriptions raised concerns in this regard. The aim of the study was to investigate the reported diversity and evaluate the quality of writing physician identity and required items in antineoplastic prescriptions.Methods: All insured hand-written prescriptions contained at least one antineoplastic medication and were dispensed by four main authorized community pharmacies dispensing antineoplastic medications in Tehran during one month were included. Prescriptions that were written by specialties other than oncology-related fields were excluded. Prescriptions of each physician were evaluated considering handwriting and name stamp by experienced pharmacy staff and the frequency of detected handwriting and name stamp types was recorded.Results: Of the 11022 included prescriptions, 10944 were eligible and written by 241 physicians. Median (third quartile number of physicians’ prescriptions was 17 (51. Maximum number of observed handwriting and name stamp types were eight and six respectively. High prescribers tended to have several handwriting and name stamp types.Conclusion: The observed diversity and variation in handwriting and name stamp of the physicians in antineoplastic prescriptions may facilitate the entrance of forged prescription and makes fraud detection difficult. Administrative and regulatory interventions in addition to notification of health care professionals about the observed potential might be necessary.

  16. Artificial Neural Network (ANN) based microstructural prediction model for 22MnB5 boron steel during tailored hot stamping

    OpenAIRE

    Chokshi, Prasun; Dashwood, R. J.; Hughes, Darren J.

    2017-01-01

    Because of demand for lower emissions and better crashworthiness, the use of hot stamped 22MnB5 boron steel has greatly increased in manufacturing of automobile components. However, for many applications it is required that only certain regions in hot stamped parts are fully hardened whereas other regions need be more ductile. The innovative process of tailored hot stamping does this by controlling the localized microstructures through tailored cooling rates by dividing the tooling into heate...

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

    Directory of Open Access Journals (Sweden)

    Tetiana Vasilyeva

    2016-10-01

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

  18. Bank Syariah Sebagai Alternatif

    Directory of Open Access Journals (Sweden)

    Adang Sudjana

    2003-03-01

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

  19. Stamped coal cakes in cokemaking technology Part 2 - The investigation of cake strength

    Energy Technology Data Exchange (ETDEWEB)

    Abel, F.; Rosenkranz, J.; Kuyumcu, H.Z. [Technical University of Berlin, Berlin (Germany)

    2009-07-15

    Coking of coal blends using high volatile coals with poor caking properties to produce a high quality coke for blast furnace application can be achieved by compacting the whole coal blend before the pyrolysis in the so called stamp charge operation. Using stamp charging not only improves the flexibility of the cokemaking plant using cost efficient raw materials, but also increases oven throughput. Therefore, in recent years, densification of coals has been introduced even to coals with good carbonisation properties when heat recovery ovens are used. At the Department for Mechanical Process Engineering and Solids Processing of the Technical University Berlin, the two subprocesses, densification and strengthening during stamping, were theoretically and experimentally investigated. The research work aims on the development of an integrated mathematical model, allowing the calculation of cake density and strength of the coal cake for a given coal blend and as a function of the stamping energy. In the first part of the paper, investigations on the stampability of coal blends were reported. In this paper, the development of a new strength test device for the systematic investigation of mechanical strength of coal compacts produced by stamping is described. Results from compressive strength tests indicate an elastic-plastic behaviour with failure by plastic fracture. Shear test results show similarity to the yield limit description in soil mechanics.

  20. Influence of Plastic Deformation on Martensitic Transformation During Hot Stamping of Complex Structure Auto Parts

    Science.gov (United States)

    Shen, Yuhan; Song, Yanli; Hua, Lin; Lu, Jue

    2017-04-01

    The ultra-high strength steel auto parts manufactured by hot stamping are widely applied for weight reduction and safety improvement. During the hot stamping process, hot forming and quenching are performed in one step wherein plastic deformation and phase transformation simultaneously take place and affect each other. Thereinto, the influence of deformation on martensitic transformation is of great importance. In the present paper, the influence of plastic deformation on martensitic transformation during hot stamping of complex structure auto parts was investigated. For this purpose, a B-pillar reinforced panel in B1500HS steel was manufactured by hot stamping, and the process was simulated by finite element software based on a thermo-mechanical-metallurgical coupled model. Considering various deformation degrees, the microstructures and mechanical properties at four typical locations of the hot stamped B-pillar reinforced panel were detected. The results show that the martensitic content and the microhardness increase with the increase in the deformation amount. There are two reasons causing this phenomenon: (1) the increase in mechanical driving force and (2) the increased probability of the martensitic nucleation at crystal defects. The x-ray diffraction analysis indicates the carbon enrichment in retained austenite which results from the carbon diffusion during the low-carbon martensite formation. Furthermore, the carbon content decreases with the increase in the deformation amount, because the deformation of austenite suppresses the carbon diffusion.

  1. Regional Banks in the Russian Banking System

    Directory of Open Access Journals (Sweden)

    Mikhail Vitalyevich Leonov

    2015-06-01

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

  2. GenBank

    Data.gov (United States)

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

  3. Green Bank Observatory (GBO)

    Data.gov (United States)

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

  4. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

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

  5. A framework for development of an intelligent system for design and manufacturing of stamping dies

    International Nuclear Information System (INIS)

    Hussein, H M A; Kumar, S

    2014-01-01

    An integration of computer aided design (CAD), computer aided process planning (CAPP) and computer aided manufacturing (CAM) is required for development of an intelligent system to design and manufacture stamping dies in sheet metal industries. In this paper, a framework for development of an intelligent system for design and manufacturing of stamping dies is proposed. In the proposed framework, the intelligent system is structured in form of various expert system modules for different activities of design and manufacturing of dies. All system modules are integrated with each other. The proposed system takes its input in form of a CAD file of sheet metal part, and then system modules automate all tasks related to design and manufacturing of stamping dies. Modules are coded using Visual Basic (VB) and developed on the platform of AutoCAD software

  6. Numerical simulation of temperature field, microstructure evolution and mechanical properties of HSS during hot stamping

    International Nuclear Information System (INIS)

    Shi, Dongyong; Liu, Wenquan; Ying, Liang; Hu, Ping; Shen, Guozhe

    2013-01-01

    The hot stamping of boron steels is widely used to produce ultra high strength automobile components without any spring back. The ultra high strength of final products is attributed to the fully martensitic microstructure that is obtained through the simultaneous forming and quenching of the hot blanks after austenization. In the present study, a mathematical model incorporating both heat transfer and the transformation of austenite is presented. A FORTRAN program based on finite element technique has been developed which permits the temperature distribution and microstructure evolution of high strength steel during hot stamping process. Two empirical diffusion-dependent transformation models under isothermal conditions were employed respectively, and the prediction capability on mechanical properties of the models were compared with the hot stamping experiment of an automobile B-pillar part

  7. Multi-cycle rolled aluminum alloy 3103 sandwiches: mechanical properties and stamp ability

    Directory of Open Access Journals (Sweden)

    Nosova Ekaterina

    2017-01-01

    Full Text Available Constructional part producing by sheet stamping of multilayer composites requires the stamping ability data. The aim of a work is to estimate mechanical properties, stamping ratio and anisotropy indexes of 2, 4, 8 and 12 layer sandwiches produced from aluminium alloy AA3103. The pieces were received by the cold rolling. Interoperation annealing was at 500°C for 1 hour. Charts of tensile strength, yield stress, elongation depending on layer thickness were composed. It was found that cold strain hardening does not disappear after annealing if the foil’s thickness become 0.4 mm and less. Microstructure analysis has shown a good contact between layers for all samples and thicker outer layers.

  8. Modeling the constitutive and frictional behavior of PTFE flexible stamps for nanoimprint lithography

    DEFF Research Database (Denmark)

    Sonne, Mads Rostgaard; Hattel, Jesper Henri

    2013-01-01

    In the present work, the deformation on micro-scale of PTFE flexible stamps for nanoimprint lithography is modeled. This is achieved via a combination of proper models for the constitutive behavior as well as the frictional conditions between the deforming PTFE stamp and the steel tool. The model...... was verified through an experiment, where a PTFE sheet was deformed by a steel sphere mounted in a tensile test machine. Good agreement between simulations and experimental results is found, both regarding force–displacement and corresponding principal strain measurements. As expected, applying the correct...... frictional behavior between PTFE and steel on micro-scale is shown to be of major importance in order to accurately simulate the strain field in the deformed PTFE stamp. © 2013 Elsevier B.V. All rights reserved...

  9. Micromechanical exfoliation of two-dimensional materials by a polymeric stamp

    International Nuclear Information System (INIS)

    Costa, M C Ferraz da; Ribeiro, H B; Kessler, F; Souza, E A T de; Fechine, G J M

    2016-01-01

    In this work, an alternative technique to the traditional micromechanical exfoliation of two-dimensional materials is proposed, consisting of isolated flakes of graphite and molybdenum disulphide onto polymeric surfaces films. The set made up of polymer and flakes is fabricated by using a hot-press machine called polymeric stamp. The polymeric stamp was used to allocate flakes and also to allow the exfoliation process to take place just in one face of isolated flake. Optical microscopy, Raman spectroscopy and photoluminescence spectroscopy results showed that multilayers, bilayers and single layers of graphene and MoS 2 were obtained by using a polymeric stamp as tool for micromechanical exfoliation. These crystals were more easily found because the exfoliation process concentrates them in well-defined locations. The results prove the effectiveness of the method by embedding two-dimensional materials into polymers to fabricate fewer layers crystals in a fast, economic and clean way. (paper)

  10. Micromechanical exfoliation of two-dimensional materials by a polymeric stamp

    Science.gov (United States)

    Ferraz da Costa, M. C.; Ribeiro, H. B.; Kessler, F.; de Souza, E. A. T.; Fechine, G. J. M.

    2016-02-01

    In this work, an alternative technique to the traditional micromechanical exfoliation of two-dimensional materials is proposed, consisting of isolated flakes of graphite and molybdenum disulphide onto polymeric surfaces films. The set made up of polymer and flakes is fabricated by using a hot-press machine called polymeric stamp. The polymeric stamp was used to allocate flakes and also to allow the exfoliation process to take place just in one face of isolated flake. Optical microscopy, Raman spectroscopy and photoluminescence spectroscopy results showed that multilayers, bilayers and single layers of graphene and MoS2 were obtained by using a polymeric stamp as tool for micromechanical exfoliation. These crystals were more easily found because the exfoliation process concentrates them in well-defined locations. The results prove the effectiveness of the method by embedding two-dimensional materials into polymers to fabricate fewer layers crystals in a fast, economic and clean way.

  11. viStaMPS: The Application For Viewing And Manipulating StaMPS Results

    Science.gov (United States)

    Sousa, Joaquim; Sousa, Antonio; Magalhaes, Luis; Ruiz, Antonio

    2013-12-01

    viStaMPS (visual StaMPS) is a new visual application developed to enhance the visualization, manipulation and exportation of StaMPS results. The programmed application is developed in Matlab® through the Graphical User Interface (GUI) and no coding is required for running it, which avoids any programming language knowledge for standard uses. This tool integrates fully new features together with various scripts from StaMPS, allowing the generation of the desired plots/maps in a user-friendly interface. It is done by simply clicking some buttons or changing some parameters located in visual panels, instead of input commands in a prompt. Moreover, since it is written in Matlab, it gives the users the opportunity to access the data very easily and make their own modifications. Being a research tool, viStaMPS is continually under development and will count on the dynamism of its users to improve and/or add new features.

  12. A framework for development of an intelligent system for design and manufacturing of stamping dies

    Science.gov (United States)

    Hussein, H. M. A.; Kumar, S.

    2014-07-01

    An integration of computer aided design (CAD), computer aided process planning (CAPP) and computer aided manufacturing (CAM) is required for development of an intelligent system to design and manufacture stamping dies in sheet metal industries. In this paper, a framework for development of an intelligent system for design and manufacturing of stamping dies is proposed. In the proposed framework, the intelligent system is structured in form of various expert system modules for different activities of design and manufacturing of dies. All system modules are integrated with each other. The proposed system takes its input in form of a CAD file of sheet metal part, and then system modules automate all tasks related to design and manufacturing of stamping dies. Modules are coded using Visual Basic (VB) and developed on the platform of AutoCAD software.

  13. International Islamic Banking

    OpenAIRE

    saleem, shahid

    2007-01-01

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

  14. GenBank

    OpenAIRE

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

    2006-01-01

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

  15. Audit of a bank

    OpenAIRE

    Ambros, Lukáš

    2012-01-01

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

  16. Framing a Bank

    DEFF Research Database (Denmark)

    Holmgreen, Lise-Lotte

    2012-01-01

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

  17. 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.

  18. Development and Testing of a Nutrition, Food Safety, and Physical Activity Checklist for EFNEP and FSNE Adult Programs

    Science.gov (United States)

    Bradford, Traliece; Serrano, Elena L.; Cox, Ruby H.; Lambur, Michael

    2010-01-01

    Objective: To develop and assess reliability and validity of the Nutrition, Food Safety, and Physical Activity Checklist to measure nutrition, food safety, and physical activity practices among adult Expanded Food and Nutrition Education Program (EFNEP) and Food Stamp Nutrition Education program (FSNE) participants. Methods: Test-retest…

  19. Essays on banking

    NARCIS (Netherlands)

    Mosk, T.C.

    2014-01-01

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

  20. Banking in Africa

    NARCIS (Netherlands)

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

    2014-01-01

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

  1. Bank profitability during recessions

    NARCIS (Netherlands)

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

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

  2. Banking and Trading

    NARCIS (Netherlands)

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

    2016-01-01

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

  3. Investigation of the influence of process parameters on adhesive wear under hot stamping conditions

    Science.gov (United States)

    Schwingenschlögl, P.; Weldi, M.; Merklein, M.

    2017-09-01

    Current challenges like increasing safety standards and reducing fuel consumption motivate lightweight construction in modern car bodies. Besides using lightweight workpiece materials like aluminum, hot stamping has been established as a key technology for producing safety relevant components. Producing hot stamped parts out of ultra-high strength steels offers the possibility to improve the crash performance. At the same time the weight of car structure is reduced by using thinner sheet thicknesses. In order to avoid oxide scale formation and ensure corrosion protection, AlSi coatings are commonly deposited on the sheet surfaces used for direct hot stamping. This workpiece coating has a critical impact on the tribological conditions within the forming process and, as a consequence, influences the quality of hot stamped parts as well as tool wear. AlSi coatings have been identified as major reason for adhesive wear, which represents the main wear mechanism in hot stamping. Within this study, the influence of the process parameters on adhesive wear are investigated in dependency of workpiece and tool temperatures, drawing velocities and contact pressures. The tribological behavior is analyzed based on strip drawing experiments under direct hot stamping conditions. The experiments are performed with AlSi coated 22MnB5 in contact with the hot working tool steel 1.2367. For analyzing the amount of adhesion on the friction jaws, the surfaces are characterized by optical measurements. The experiments indicate that higher workpiece temperatures cause severe adhesive wear on the tool surface, while an increase of drawing velocity or contact pressure led to reduced adhesion. The measured friction coefficients decreased with rising amount of adhesion and remained at a constant level after a certain adhesive layer was built up on the tool surface.

  4. STAMPS: software tool for automated MRI post-processing on a supercomputer

    OpenAIRE

    Bigler, Don C.; Aksu, Yaman; Yang, Qing X.

    2009-01-01

    This paper describes a Software Tool for Automated MRI Post-processing (STAMP) of multiple types of brain MRIs on a workstation and for parallel processing on a supercomputer (STAMPS). This software tool enables the automation of nonlinear registration for a large image set and for multiple MR image types. The tool uses standard brain MRI post-processing tools (such as SPM, FSL, and HAMMER) for multiple MR image types in a pipeline fashion. It also contains novel MRI post-processing features....

  5. A compact system for large-area thermal nanoimprint lithography using smart stamps

    DEFF Research Database (Denmark)

    Pedersen, Rasmus Haugstrup; Hansen, Ole; Kristensen, Anders

    2008-01-01

    We present a simple apparatus for thermal nanoimprint lithography. In this work, the stamp is designed to significantly reduce the requirements for pressure application on the external imprint system. By MEMS-based processing, an air cavity inside the stamp is created, and the required pressure f...... is presented. Test imprints of micrometer- and nanometer-scale structures are performed and characterized with respect to uniformity across a large area (35 mm radius). State-of-the-art uniformity for mu m-scale features is demonstrated....

  6. Development and introduction of stamping technique for large-size laterals of NPP pipelines

    International Nuclear Information System (INIS)

    Romashko, N.I.; Moshnin, E.N.; Timokhin, V.S.; Bryukhanov, Yu.V.; Lebedev, V.A.

    1984-01-01

    The results of development and introduction of stamping technique for large-size laterals of NPP high-pressure pipelines are presented. The main experimental data characterizing technological possibilities of the process are given. The technological process and design of the stamp assure production of laterals from ovalized bars per one heating of the bar and per one running of the press cronnhead. Introduction of new technology decreased labour input of lateral production, reliability and serviceability of pipelines increased in this case. Introduction of this technology gives a considerable benefit

  7. Transfer printing of 3D hierarchical gold structures using a sequentially imprinted polymer stamp

    International Nuclear Information System (INIS)

    Zhang Fengxiang; Low, Hong Yee

    2008-01-01

    Complex three-dimensional (3D) hierarchical structures on polymeric materials are fabricated through a process referred to as sequential imprinting. In this work, the sequentially imprinted polystyrene film is used as a soft stamp to replicate hierarchical structures onto gold (Au) films, and the Au structures are then transferred to a substrate by transfer printing at an elevated temperature and pressure. Continuous and isolated 3D structures can be selectively fabricated with the assistance of thermo-mechanical deformation of the polymer stamp. Hierarchical Au structures are achieved without the need for a corresponding three-dimensionally patterned mold

  8. Food Assistance Programs and Outcomes in the Context of Welfare Reform

    NARCIS (Netherlands)

    Huffman, S.K.

    2008-01-01

    Objective. Food assistance programs play an important role in meeting the basic needs of low-income households. We consider how the Food Stamp Program (FSP), labor force participation, and food insecurity status affect outcomes of low-income households under different program designs and economic

  9. Internet-Based Training to Improve Preschool Playground Safety: Evaluation of the Stamp-in-Safety Programme

    Science.gov (United States)

    Schwebel, David C.; Pennefather, Jordan; Marquez, Brion; Marquez, Jessie

    2015-01-01

    Objective: Playground injuries result in over 200,000 US pediatric emergency department visits annually. One strategy to reduce injuries is improved adult supervision. The Stamp-in-Safety programme, which involves supervisors stamping rewards for children playing safely, has been demonstrated in preliminary classroom-based work to reduce child…

  10. Experimental Investigations of the In-Die Quenching Efficiency and Die Surface Temperature of Hot Stamping Aluminium Alloys

    Directory of Open Access Journals (Sweden)

    Kailun Zheng

    2018-04-01

    Full Text Available The in-die quenching is a key stage in the hot stamping volume production chain which determines the post-formed strength of lightweight alloy components, tool life, and hot stamping productivity. In this paper, the performance of in-die quenching, reflected by the quenching efficiency (the time of work-piece held within stamping dies and die surface temperature during the simulated hot stamping process of AA6082, was experimentally and analytically investigated. A range of in-die quenching experiments were performed for different initial work-piece and die temperatures, quenching pressures, work-piece thickness, and die clearances, under hot stamping conditions. In addition, a one-dimensional (1D closed-form heat transfer model was used to calculate the die surface temperature evolution that is difficult to obtain during practical manufacture situations. The results have shown that the in-die quenching efficiency can be significantly increased by decreasing the initial work-piece and die temperatures. Die clearances are required to be designed precisely to obtain sufficiently high quenching rates and satisfying post-formed strength for hot-stamped panel components. This study systematically considered an extensive variety of influencing factors on the in-die quenching performance, which can provide practical guides for stamping tool designers and manufacture systems for hot-stamping volume production.

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

    Directory of Open Access Journals (Sweden)

    Murti Lestari

    2010-05-01

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

  12. BANKING WITHOUT INTEREST

    Directory of Open Access Journals (Sweden)

    Jana Ilieva

    2017-06-01

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

  13. Stamping an S on DMEK Donor Tissue to Prevent Upside-Down Grafts: Laboratory Validation and Detailed Preparation Technique Description.

    Science.gov (United States)

    Veldman, Peter B; Dye, Philip K; Holiman, Jeffrey D; Mayko, Zachary M; Sáles, Christopher S; Straiko, Michael D; Stoeger, Christopher G; Terry, Mark A

    2015-09-01

    To report endothelial cell loss (ECL) caused by a novel S-stamp preparation technique for Descemet membrane endothelial keratoplasty (DMEK). Six cadaveric human corneas were prepared for DMEK transplantation using a single standardized technique, including the application of a dry ink gentian violet S-stamp to the stromal side of Descemet membrane. Endothelial cell death was evaluated and quantified using computerized analysis of vital dye staining. ECL caused by the S-stamp was 0.6% (range 0.1%-1.0%), which comprised less than one-tenth of the total ECL caused by our preparation of the DMEK graft from the start to finish, including recovery, prestripping, S-stamping, and trephination (13.7% total ECL, range 9.9%-17.6%). Our novel S-stamp donor tissue preparation technique is intuitive to learn and holds the promise of preventing iatrogenic primary graft failure due to upside-down grafts without causing unacceptable increases in ECL.

  14. Aluminium Pneumoconiosis I. In Vitro Comparison of Stamped Aluminium Powders Containing Different Lubricating Agents and a Granular Aluminium Powder

    Science.gov (United States)

    Corrin, B.

    1963-01-01

    The discrepancy in previous reports of the action of aluminium on the lung may be explained by differences between stamped and granular aluminium powders. A stamped powder of the variety causing pulmonary fibrosis showed a brisk reaction with water, but a granular powder was unreactive. This difference is primarily due to the granular particles being covered by inert aluminium oxide, the formation of which is partially prevented in the stamping process by stearine and mineral oil. The reactivity of the flake-like stamped particles is also dependent on their large surface area per unit volume. The appearance of aluminium pneumoconiosis in Britain is explained by the introduction of mineral oil into the stamping industry for, in contrast to stearine, mineral oil permits the powder to react with water. The lung damage is believed to be caused by a soluble form of aluminium. PMID:14072616

  15. BANKING UNION - ROMANIAN PERSPECTIVE

    Directory of Open Access Journals (Sweden)

    Coroiu Sorina Ioana

    2015-07-01

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

  16. Time-stamping system for nuclear physics experiments at RIKEN RIBF

    Science.gov (United States)

    Baba, H.; Ichihara, T.; Ohnishi, T.; Takeuchi, S.; Yoshida, K.; Watanabe, Y.; Ota, S.; Shimoura, S.; Yoshinaga, K.

    2015-03-01

    A time-stamping system for nuclear physics experiments has been introduced at the RIKEN Radioactive Isotope Beam Factory. Individual trigger signals can be applied for separate data acquisition (DAQ) systems. After the measurements are complete, separately taken data are merged based on the time-stamp information. In a typical experiment, coincidence trigger signals are formed from multiple detectors to take desired events only. The time-stamping system allows the use of minimum bias triggers. Since coincidence conditions are given by software, a variety of physics events can be flexibly identified. The live time for a DAQ system is important when attempting to determine reaction cross-sections. However, the combined live time for separate DAQ systems is not clearly known because it depends not only on the DAQ dead time but also on the coincidence conditions. Using the proposed time-stamping system, all trigger timings can be acquired, so that the combined live time can be easily determined. The combined live time is also estimated using Monte Carlo simulations, and the results are compared with the directly measured values in order to assess the accuracy of the simulation.

  17. Human factors science and safety engineering : can the STAMP model serve in establishing a common language?

    NARCIS (Netherlands)

    Karanikas, Nektarios; Schwarz, M; Harfmann, J

    2017-01-01

    A symbiotic relationship between human factors and safety scientists is needed to ensure the provision of holistic solutions for problems emerging in modern socio-technical systems. System Theoretic Accident Model and Processes (STAMP) tackles both interactions and individual failures of human and

  18. Impact of Electronic Signatures and Time Stamping for the Protection of Electronic Agreements

    Directory of Open Access Journals (Sweden)

    Tadas Limba

    2012-12-01

    Full Text Available The article e495 valuates the impact of e-signatures and time stamping on electronic contracts and electronic documents for performing e-business opportunities and goals, and analyses e-signature application for business cases. Various electronic services, virtual shopping, electronic cash transactions are becoming increasingly popular as they allow users to quickly perform different actions, operations and functions. It is important not only for convenience, but also to ensure consumer data security and reliability. Security reasons are not enough for security transmitted data, since this method does not allow clarification of information about sender identity.Use of electronic signatures, electronic identities, checgs and ensures a very high level of data security in interchange data processes. E-signature allows e-business companies to transfer the company’s operation business processes and their application to the organization and management in the electronic environment, also automate internal and external compans processes, includinggon-going business processes.The object of paper is .-signature and time stamping application in the theoretical and practical way.The goal of this paper while evaluating and estimating the .-signature and time stamping application, i’s regulation and legal implementation worldwidesand in Lithuania—is to provideluseful recommendations for more efficient impact developing -commerce and -business in situations when -signature and time stamping is used for ensuring electronic contracs security.

  19. Impact of Electronic Signatures and Time Stamping for the Protection of Electronic Agreements

    Directory of Open Access Journals (Sweden)

    Tadas Limba

    2013-02-01

    Full Text Available The article e495 valuates the impact of e-signatures and time stamping on electronic contracts and electronic documents for performing e-business opportunities and goals, and analyses e-signature application for business cases. Various electronic services, virtual shopping, electronic cash transactions are becoming increasingly popular as they allow users to quickly perform different actions, operations and functions. It is important not only for convenience, but also to ensure consumer data security and reliability. Security reasons are not enough for security transmitted data, since this method does not allow clarification of information about sender identity. Use of electronic signatures, electronic identities, checgs and ensures a very high level of data security in interchange data processes. E-signature allows e-business companies to transfer the company’s operation business processes and their application to the organization and management in the electronic environment, also automate internal and external compans processes, includinggon-going business processes. The object of paper is .-signature and time stamping application in the theoretical and practical way. The goal of this paper while evaluating and estimating the .-signature and time stamping application, i’s regulation and legal implementation worldwidesand in Lithuania—is to provideluseful recommendations for more efficient impact developing -commerce and -business in situations when -signature and time stamping is used for ensuring electronic contracs security.

  20. Time-stamping system for nuclear physics experiments at RIKEN RIBF

    International Nuclear Information System (INIS)

    Baba, H.; Ichihara, T.; Ohnishi, T.; Takeuchi, S.; Yoshida, K.; Watanabe, Y.; Ota, S.; Shimoura, S.; Yoshinaga, K.

    2015-01-01

    A time-stamping system for nuclear physics experiments has been introduced at the RIKEN Radioactive Isotope Beam Factory. Individual trigger signals can be applied for separate data acquisition (DAQ) systems. After the measurements are complete, separately taken data are merged based on the time-stamp information. In a typical experiment, coincidence trigger signals are formed from multiple detectors to take desired events only. The time-stamping system allows the use of minimum bias triggers. Since coincidence conditions are given by software, a variety of physics events can be flexibly identified. The live time for a DAQ system is important when attempting to determine reaction cross-sections. However, the combined live time for separate DAQ systems is not clearly known because it depends not only on the DAQ dead time but also on the coincidence conditions. Using the proposed time-stamping system, all trigger timings can be acquired, so that the combined live time can be easily determined. The combined live time is also estimated using Monte Carlo simulations, and the results are compared with the directly measured values in order to assess the accuracy of the simulation

  1. 41 CFR 101-25.103-4 - Disposition of promotional materials, trading stamps, or bonus goods.

    Science.gov (United States)

    2010-07-01

    ..., arrange for transfer of promotional materials, trading stamps, or bonus goods, without reimbursement in...) The contract does not contain a price reduction clause, or (2) The contractor refuses to grant a price... promotional items as a price reduction, and (4) The procuring or receiving agency has no practical use for the...

  2. Fabrication of microlens array on silicon surface using electrochemical wet stamping technique

    Science.gov (United States)

    Lai, Lei-Jie; Zhou, Hang; Zhu, Li-Min

    2016-02-01

    This paper focuses on the fabrication of microlens array (MLA) on silicon surface by taking advantage of a novel micromachining approach, the electrochemical we stamping (E-WETS). The E-WETS allows the direct imprinting of MLA on an agarose stamp into the substrate through a selective anodic dissolution process. The pre-patterned agarose stamp can direct and supply the solution preferentially on the contact area between the agarose stamp and the substrate, to which the electrochemical reaction is confined. The anodic potential vs. saturated calomel electrode is optimized and 1.5 V is chosen as the optimum value for the electrochemical polishing of p-Si. A refractive MLA on a PMMA mold is successfully transferred onto the p-Si surface. The machining deviations of the fabricated MLA from those on the mold are 0.44% in diameter and 2.1% in height respectively, and the machining rate in HF is around 1.1 μm/h. The surface roughness of the fabricated MLA is less than 12 nm owing to the electrochemical polishing process. The results demonstrate that E-WETS is a promising approach to fabricate MLA on p-Si surface with high accuracy and efficiency.

  3. Honoring Avicenna, the great Persian physician on the world's postage stamps.

    Science.gov (United States)

    Afshar, Ahmadreza

    2010-09-01

    Many nations are indebted to Avicenna (Ibn-Sina) for their scientific progressions and civilization. Many countries in the Middle East, Africa, and Europe have honored Avicenna, the great Persian scientist, by depicting his vignette on their postage stamps. The symbolic value of Avicenna has been chosen to commemorate scientific occasions, achievements and anniversaries, which represents the ultimate performance of conscious honoring.

  4. 42 CFR 71.3 - Designation of yellow fever vaccination centers; Validation stamps.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Designation of yellow fever vaccination centers... Designation of yellow fever vaccination centers; Validation stamps. (a) Designation of yellow fever vaccination centers. (1) The Director is responsible for the designation of yellow fever vaccination centers...

  5. Studying the Solar System Can Be More than Just "Stamp Collecting"

    Science.gov (United States)

    LoPresto, Michael C.

    2017-01-01

    While teaching his first-ever introductory college astronomy course, I heard a graduate student make the comment that compared to other areas of astronomy, studying the solar system is just "stamp collecting." Coverage of the solar system in an introductory college astronomy course certainly "could" consist mostly of showing…

  6. Stamped coal cakes in cokemaking technology Part 1 - A parameter study on stampability

    Energy Technology Data Exchange (ETDEWEB)

    Abel, F.; Rosenkranz, J.; Kuyumcu, H.Z. [Technical University of Berlin, Berlin (Germany)

    2009-07-15

    Coking of coal blends using high volatile coals with poor caking properties to produce a high quality coke for blast furnace application can be achieved by compacting the whole coal blend before pyrolysis in the so called stamp charge operation. Using stamp charging not only improves the flexibility of the coke making plant using cost efficient raw materials, but oven throughput is also increased. Therefore, in recent years, densification of coals has been introduced even to coals with good carbonisation properties when heat recovery ovens are used. At the Department for Mechanical Process Engineering and Solids Processing of the Technical University Berlin, the two subprocesses, densification and strengthening during stamping, were theoretically and experimentally investigated. The research work aims on the development of an integrated mathematical model, allowing the calculation of cake density and strength of the coal cake for a given coal blend depending on the stamping energy. The first part of this paper defines the overall process objectives and presents results from systematic investigations of the effects of several coal properties on the so called stampability as the integral model parameter for compacting. Surface moisture, coal granulometry and mechanical properties have significant influence on the densification. The incorporation of these parameters into the model allows the differentiated calculation of the cake density.

  7. Silicon oxide nanoimprint stamp fabrication by edge lithography reinforced with silicon nitride

    NARCIS (Netherlands)

    Zhao, Yiping; Berenschot, Johan W.; de Boer, Meint J.; Jansen, Henricus V.; Tas, Niels Roelof; Huskens, Jurriaan; Elwenspoek, Michael Curt

    2007-01-01

    The fabrication of silicon oxide nanoimprint stamp employing edge lithography in combination with silicon nitride deposition is presented. The fabrication process is based on conventional photolithography an weg etching methods. Nanoridges with width dimension of sub-20 nm were fabricated by edge

  8. Micropatterning of a stretchable conductive polymer using inkjet printing and agarose stamping

    DEFF Research Database (Denmark)

    Hansen, Thomas Steen; Hassager, Ole; Larsen, Niels Bent

    2007-01-01

    ,4-ethylenedioxythiophene) (PEDOT). The agarose stamping produced 50 μm wide conducting lines with high spatial fidelity. The deactivation agent was found to cause some degradation of the remaining conducting lines, as revealed by a stronger increase in resistance upon straining compared to the pristine polymer material...

  9. Plant domestication and gene banks

    International Nuclear Information System (INIS)

    Perrino, P.

    1989-01-01

    At the time of the dawn of agriculture, plant domestication was very slow. As agriculture progressed, however, domestication began to evolve faster and reached its highest point with the advent of plant breeders who played a very important role in solving the world food problem. One of the fastest moving strategies was a better exploitation of genetic diversity, both natural and induced. However, intensive plant breeding activity caused a heavy fall in genetic variability. Gene banks then provided a further tool for modern agriculture, specifically to preserve genetic resources and to help breeders to further domesticate important crops and to introduce and domesticate new species. (author). 3 refs

  10. MECHANICAL VIBRATION INHIBITS OSTEOCLAST FORMATION BY REDUCING DC-STAMP RECEPTOR EXPRESSION IN OSTEOCLAST PRECURSOR CELLS

    Science.gov (United States)

    Kulkarni, R.N.; Voglewede, P.A.; Liu, D.

    2014-01-01

    It is well known that physical inactivity leads to loss of muscle mass, but it also causes bone loss. Mechanistically, osteoclastogenesis and bone resorption have recently been shown to be regulated by vibration. However, the underlying mechanism behind the inhibition of osteoclast formation is yet unknown. Therefore, we investigated whether mechanical vibration of osteoclast precursor cells affects osteoclast formation by the involvement of fusion-related molecules such as dendritic cell-specific transmembrane protein (DC-STAMP), and P2X7 receptor (P2X7R). RAW264.7 (a murine osteoclastic-like cell line) cells were treated with 20 ng/ml receptor activator of NF-κB ligand (RANKL). For 3 consecutive days, the cells were subjected to 1 hour of mechanical vibration with 20 µm displacement at a frequency of 4 Hz and compared to the control cells that were treated under the same condition but without the vibration. After 5 days of culture, osteoclast formation was determined. Gene expression of DC-STAMP and P2X7R by RAW264.7 cells were determined after 1 hour mechanical vibration, while protein production of the DC-STAMP was determined after 6 hours of post incubation after vibration. As a result, mechanical vibration of RAW264.7 cells inhibited the formation of osteoclasts. Vibration down-regulated DC-STAMP gene expression by 1.6-fold in the presence of RANKL and by 1.4-fold in the absence of RANKL. Additionally, DC-STAMP protein production was also down-regulated by 1.4-fold in the presence of RANKL and by 1.2-fold in the absence of RANKL in RAW264.7 cells in response to mechanical vibration. However, vibration did not affect P2X7R gene expression. Mouse anti-DC-STAMP antibody inhibited osteoclast formation in the absence of vibration. Our results suggest that mechanical vibration of osteoclast precursor cells reduce DC-STAMP expression in osteoclast precursor cells leading to the inhibition of osteoclast formation. PMID:23994170

  11. Mechanical vibration inhibits osteoclast formation by reducing DC-STAMP receptor expression in osteoclast precursor cells.

    Science.gov (United States)

    Kulkarni, Rishikesh N; Voglewede, Philip A; Liu, Dawei

    2013-12-01

    It is well known that physical inactivity leads to loss of muscle mass, but it also causes bone loss. Mechanistically, osteoclastogenesis and bone resorption have recently been shown to be regulated by vibration. However, the underlying mechanism behind the inhibition of osteoclast formation is yet unknown. Therefore, we investigated whether mechanical vibration of osteoclast precursor cells affects osteoclast formation by the involvement of fusion-related molecules such as dendritic cell-specific transmembrane protein (DC-STAMP) and P2X7 receptor (P2X7R). RAW264.7 (a murine osteoclastic-like cell line) cells were treated with 20ng/ml receptor activator of NF-κB ligand (RANKL). For 3 consecutive days, the cells were subjected to 1h of mechanical vibration with 20μm displacement at a frequency of 4Hz and compared to the control cells that were treated under the same condition but without the vibration. After 5days of culture, osteoclast formation was determined. Gene expression of DC-STAMP and P2X7R by RAW264.7 cells was determined after 1h of mechanical vibration, while protein production of the DC-STAMP was determined after 6h of postincubation after vibration. As a result, mechanical vibration of RAW264.7 cells inhibited the formation of osteoclasts. Vibration down-regulated DC-STAMP gene expression by 1.6-fold in the presence of RANKL and by 1.4-fold in the absence of RANKL. Additionally, DC-STAMP protein production was also down-regulated by 1.4-fold in the presence of RANKL and by 1.2-fold in the absence of RANKL in RAW264.7 cells in response to mechanical vibration. However, vibration did not affect P2X7R gene expression. Mouse anti-DC-STAMP antibody inhibited osteoclast formation in the absence of vibration. Our results suggest that mechanical vibration of osteoclast precursor cells reduces DC-STAMP expression in osteoclast precursor cells leading to the inhibition of osteoclast formation. © 2013 Elsevier Inc. All rights reserved.

  12. Adopting Internet Banking in Ghana

    OpenAIRE

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

    2013-01-01

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

  13. Nuclear fuel banks

    International Nuclear Information System (INIS)

    Anon.

    2010-01-01

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

  14. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

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

  15. 21 CFR 864.9650 - Quality control kit for blood banking reagents.

    Science.gov (United States)

    2010-04-01

    ... 21 Food and Drugs 8 2010-04-01 2010-04-01 false Quality control kit for blood banking reagents... Manufacture Blood and Blood Products § 864.9650 Quality control kit for blood banking reagents. (a) Identification. A quality control kit for blood banking reagents is a device that consists of sera, cells...

  16. Danske Bank - Imagekrise

    OpenAIRE

    Agerlin, Anne; Holmqvist, Maja

    2014-01-01

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

  17. GenBank

    OpenAIRE

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

    2008-01-01

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

  18. GenBank

    OpenAIRE

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

    2012-01-01

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

  19. Banking: shop and compare.

    Science.gov (United States)

    O'Brien, Jennifer A; DeJarnette, Sherry

    2014-01-01

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

  20. Shareholder activism in banking

    OpenAIRE

    Roman, Raluca

    2015-01-01

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

  1. Evaluation of Contact Heat Transfer Coefficient and Phase Transformation during Hot Stamping of a Hat-Type Part

    Science.gov (United States)

    Kim, Heung-Kyu; Lee, Seong Hyeon; Choi, Hyunjoo

    2015-01-01

    Using an inverse analysis technique, the heat transfer coefficient on the die-workpiece contact surface of a hot stamping process was evaluated as a power law function of contact pressure. This evaluation was to determine whether the heat transfer coefficient on the contact surface could be used for finite element analysis of the entire hot stamping process. By comparing results of the finite element analysis and experimental measurements of the phase transformation, an evaluation was performed to determine whether the obtained heat transfer coefficient function could provide reasonable finite element prediction for workpiece properties affected by the hot stamping process. PMID:28788046

  2. Understanding the Market for Agro-Commodities in the West Bank ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    This baseline assessment of the food consumption-production process will encompass food production, food availability, and food marketing. The project also aims to: - develop a network of stakeholders involved in food policy in the West Bank; - analyze the major crops and agro-commodities produced and consumed in ...

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

    OpenAIRE

    Adusei, Michael

    2015-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Miranda Petronella VLAD

    2012-11-01

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

  5. Essays on historical banking

    NARCIS (Netherlands)

    Dwarkasing, N.R.D.

    2014-01-01

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

  6. nigeria's banking sector reforms

    African Journals Online (AJOL)

    NESG PUBLICATIONS

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

  7. The macroeconomics of banking

    NARCIS (Netherlands)

    van der Kwaak, C.G.F.

    2017-01-01

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

  8. iBank

    Science.gov (United States)

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

    2012-01-01

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

  9. Competition in EU banking

    NARCIS (Netherlands)

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

    2017-01-01

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

  10. International fuel bank

    International Nuclear Information System (INIS)

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

  11. Destroy The Bank! (case)

    NARCIS (Netherlands)

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

    2016-01-01

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

  12. Three essays on banking

    NARCIS (Netherlands)

    Vlahu, R.E.

    2011-01-01

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

  13. Organization of eye bank

    International Nuclear Information System (INIS)

    Reddy, S.C.

    1999-01-01

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

  14. Banking and trading

    NARCIS (Netherlands)

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

    2013-01-01

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

  15. Geographic diversification in banking

    NARCIS (Netherlands)

    Fang, Yiwei; van Lelyveld, Iman

    2014-01-01

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

  16. THE BANKING SECTOR - INFLUENCE FACTORS OF BANKING PERFORMANCE

    Directory of Open Access Journals (Sweden)

    Mirela CIOCAN

    2014-06-01

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

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

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

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

  18. GREEN BANKING IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Dumitrascu Mihaela

    2014-07-01

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

  19. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

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

  20. BANKING SUPERVISION IN EUROPEAN UNION

    OpenAIRE

    Lavinia Mihaela GUȚU; Vasile ILIE

    2013-01-01

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

  1. Bank and sovereign debt risk

    OpenAIRE

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

    2013-01-01

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

  2. Polymer microlens replication by Nanoimprint Lithography using proton beam fabricated Ni stamp

    International Nuclear Information System (INIS)

    Dutta, R.K.; Kan, J.A. van; Bettiol, A.A.; Watt, F.

    2007-01-01

    It is essential to have a simplified and a rapid method for fabricating micro/nano structures in different kinds of polymeric materials. Though it is possible to fabricate arrays of microlens directly by P beam writing (PBW), it is restricted to a few types of resist materials. Therefore we have fabricated a Ni electroplated metallic stamp comprising of arrays of inverse/negative features of microlenses. The metallic stamp of about 500 μm thick is made on a silicon wafer coated with 10 μm thick polymethylglutarimide (PMGI) resist and the desired structures are written by PBW followed by thermal reflow and Ni electroplating. An array of microlenses is imprinted on a polycarbonate (PC) substrate by the Nanoimprint Lithography (NIL) technique and the replicated microlenses featuring various numerical apertures, diameters and pitches are characterized

  3. Silicon micro-masonry using elastomeric stamps for three-dimensional microfabrication

    International Nuclear Information System (INIS)

    Keum, Hohyun; Eisenhaure, Jeffrey D; Kim, Seok; Carlson, Andrew; Ning, Hailong; Mihi, Agustin; Braun, Paul V; Rogers, John A

    2012-01-01

    We present a micromanufacturing method for constructing microsystems, which we term ‘micro-masonry’ based on individual manipulation, influenced by strategies for deterministic materials assembly using advanced forms of transfer printing. Analogous to masonry in construction sites, micro-masonry consists of the preparation, manipulation, and binding of microscale units to assemble microcomponents and microsystems. In this paper, for the purpose of demonstration, we used microtipped elastomeric stamps as manipulators and built three dimensional silicon microstructures. Silicon units of varied shapes were fabricated in a suspended format on donors, retrieved, delivered, and placed on a target location on a receiver using microtipped stamps. Annealing of the assembled silicon units permanently bound them and completed the micro-masonry procedure. (paper)

  4. Characterization of the interfacial heat transfer coefficient for hot stamping processes

    Science.gov (United States)

    Luan, Xi; Liu, Xiaochuan; Fang, Haomiao; Ji, Kang; El Fakir, Omer; Wang, LiLiang

    2016-08-01

    In hot stamping processes, the interfacial heat transfer coefficient (IHTC) between the forming tools and hot blank is an essential parameter which determines the quenching rate of the process and hence the resulting material microstructure. The present work focuses on the characterization of the IHTC between an aluminium alloy 7075-T6 blank and two different die materials, cast iron (G3500) and H13 die steel, at various contact pressures. It was found that the IHTC between AA7075 and cast iron had values 78.6% higher than that obtained between AA7075 and H13 die steel. Die materials and contact pressures had pronounced effects on the IHTC, suggesting that the IHTC can be used to guide the selection of stamping tool materials and the precise control of processing parameters.

  5. Combined Randomized-Local Hough Transform versus UpWrite Transform in stamp detection

    Directory of Open Access Journals (Sweden)

    Daniela Tondini

    2003-10-01

    Full Text Available The conventional Hough Transform used for detection of objects with known shape and size has proved its robustness. One typical task for this transform can be the detection of stamp(s on an envelope. Unfortunately, the Hough Transform has an important drawback: the heavy computational effort and, as consequence, a big execution time. This paper introduces a variant of Hough Transform that speeds up the process. One important aid is given by a filtering step based on a fast analysis of a rough deformation model. This method is a combination of Randomized and Local Hough Transform. Experiments were made comparing the modified Hough Transform approach with the UpWrite Transform and they proved that the first approach preserves the quality of the Hough Transform results at a higher speed.

  6. Influence of operating parameters on coke end temperature in stamp charged batteries

    Energy Technology Data Exchange (ETDEWEB)

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

    2004-07-01

    Coke end temperature (CET) indicates the final temperature of coke mass after pushing it out from the oven and before quenching and thus is an indicator of the preparedness of the coke. Analysis of plant data from stamp charged batteries at Tata Steel show that it depends on coal blend characteristics and battery conditions. Increased input coal ash, its crushing fineness and volatile matters increases but the moisture decreases it. The heating rate, battery and regenerator temperatures all increase the coke end temperature. The present paper documents that observations on parameters influencing coke end temperature under stamp charged conditions and attempts to hypothesise the possible explanation for the results obtained. 3 refs., 10 figs., 2 tabs.

  7. Modeling and Simulating Material Behavior during Hot Blank - Cold Die (HB-CD) Stamping of Aluminium Alloy Sheets

    Science.gov (United States)

    Zhang, Nan; Abu-Farha, Fadi

    2016-08-01

    Hot blank - cold die (HB-CD) stamping, non-isothermal hot stamping, of aluminium alloy sheets offers great opportunities for high production rates at low cost, while overcoming limited material formability issues. Yet developing an accurate model that can describe the complex material behavior over the wide ranging conditions of HB-CD stamping (temperatures ranging between 25 and 350 °C) is challenging. Moreover, validation of the developed models under transient conditions is problematic. This work presents he results of a comprehensive characterization, material modeling, FE simulation and experimental validation effort to capture the behavior of an aluminium alloy sheet during HB-CD stamping. In particular, we highlight the integration between temperature measurements (thermography) and strain measurements (digital image correlation) for the accurate validation of model predictions of non-isothermal material deformation.

  8. 75 FR 11913 - Chrysler, LLC; Warren Stamping Plant, Including On-Site Leased Workers From Caravan Knight...

    Science.gov (United States)

    2010-03-12

    ... firm. The workers produce stamping parts for automobiles. New information shows that workers leased... under the control of the subject firm to be considered leased workers. Based on these findings, the...

  9. Increasing the competitiveness of banks

    OpenAIRE

    Badaeva V.; Makukhina Y.

    2017-01-01

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

  10. Global Banking: Transformation, Innovation & Competition

    Directory of Open Access Journals (Sweden)

    Korobov Yury

    2017-01-01

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

  11. US of tissue banking and transplantation in North America

    International Nuclear Information System (INIS)

    Strong, M.; Moogk, M.

    1999-01-01

    Tissue banking in North America began as surgical bone banking in individual hospitals and progressed to recovery of cadaveric tissues, initially by the United States Navy Tissue Bank and more recently to regional tissue banks throughout North America. The American Association of Tissue Banks was established in 1976 to develop standards for tissue banking and the eventual inspection and accreditation of tissue banks. The gathering of statistics of tissue banking practices was first undertaken in 1992, from accredited tissue banks. The most recent statistics were compiled in 1997 and will be reported at this conference.There are currently 63 accredited tissue banks in North America, 60 in the United States and three in Canada. Overall, tissue donation has increased by 48% during this 5 year reporting time. During the same period, the number of living surgical bone donors has decreased from nearly 3,000 to less than 500. This impact is largely due to the new regulations that have been implemented by the Food and Drug Administration (FDA). There were over 340,000 bone grafts distributed in 1996, an increase of 20% over 1992, 33% were not sterilized, 21% were sterilized using irradiation, and 45% were demineralized. Only 1% were processed using ethylene oxide as a sterilant, a decrease from 15% in 1992. The primary mode of preservation and storage is freeze-drying with 90% of the tissues falling into this category and the rest being frozen. The second largest number of grafts distributed were skin grafts. Total tissue grafts distributed including cornea was 445,417. In January 1998, the FDA Final Rule regarding regulation of tissue banking became effective. The elements of that Final Rule and new tissue banking rules the FDA has proposed will be discussed along with regulations recently published by the Health and Human Services Department relative to organ and tissue donor referrals. Tissue Banking in North America continues to evolve and has become more and more

  12. Boron nitride stamp for ultra-violet nanoimprinting lithography fabricated by focused ion beam lithography

    International Nuclear Information System (INIS)

    Altun, Ali Ozhan; Jeong, Jun-Ho; Rha, Jong-Joo; Kim, Ki-Don; Lee, Eung-Sug

    2007-01-01

    Cubic boron nitride (c-BN) is one of the hardest known materials (second after diamond). It has a high level of chemical resistance and high UV transmittance. In this study, a stamp for ultra-violet nanoimprint lithography (UV-NIL) was fabricated using a bi-layered BN film deposited on a quartz substrate. Deposition of the BN was done using RF magnetron sputtering. A hexagonal boron nitride (h-BN) layer was deposited for 30 min before c-BN was deposited for 30 min. The thickness of the film was measured as 160 nm. The phase of the c-BN layer was investigated using Fourier transform infrared (FTIR) spectrometry, and it was found that the c-BN layer has a 40% cubic phase. The deposited film was patterned using focused ion beam (FIB) lithography for use as a UV-NIL stamp. Line patterns were fabricated with the line width and line distance set at 150 and 150 nm, respectively. The patterning process was performed by applying different currents to observe the effect of the current value on the pattern profile. The fabricated patterns were investigated using AFM, and it was found that the pattern fabricated by applying a current value of 50 picoamperes (pA) has a better profile with a 65 nm line depth. The UV transmittance of the 160 nm thick film was measured to be 70-86%. The hardness and modulus of the BN was measured to be 12 and 150 GPa, respectively. The water contact angle of the stamp surface was measured at 75 0 . The stamp was applied to UV-NIL without coating with an anti-adhesion layer. Successful imprinting was proved via scanning electron microscope (SEM) images of the imprinted resin

  13. Boron nitride stamp for ultra-violet nanoimprinting lithography fabricated by focused ion beam lithography

    Energy Technology Data Exchange (ETDEWEB)

    Altun, Ali Ozhan [Nano-Mechanical Systems Research Center, Korea Institute of Machinery and Materials, 171 Jang-dong, Yuseung-gu, Daejeon 305-343 (Korea, Republic of); Jeong, Jun-Ho [Nano-Mechanical Systems Research Center, Korea Institute of Machinery and Materials, 171 Jang-dong, Yuseung-gu, Daejeon 305-343 (Korea, Republic of); Rha, Jong-Joo [Surface Technology Research Center, Korea Institute of Machinery and Materials, 66 Sangnam-Dong, Changwon-Shi, Kyungnam-Do (Korea, Republic of); Kim, Ki-Don [Nano-Mechanical Systems Research Center, Korea Institute of Machinery and Materials, 171 Jang-dong, Yuseung-gu, Daejeon 305-343 (Korea, Republic of); Lee, Eung-Sug [Nano-Mechanical Systems Research Center, Korea Institute of Machinery and Materials, 171 Jang-dong, Yuseung-gu, Daejeon 305-343 (Korea, Republic of)

    2007-11-21

    Cubic boron nitride (c-BN) is one of the hardest known materials (second after diamond). It has a high level of chemical resistance and high UV transmittance. In this study, a stamp for ultra-violet nanoimprint lithography (UV-NIL) was fabricated using a bi-layered BN film deposited on a quartz substrate. Deposition of the BN was done using RF magnetron sputtering. A hexagonal boron nitride (h-BN) layer was deposited for 30 min before c-BN was deposited for 30 min. The thickness of the film was measured as 160 nm. The phase of the c-BN layer was investigated using Fourier transform infrared (FTIR) spectrometry, and it was found that the c-BN layer has a 40% cubic phase. The deposited film was patterned using focused ion beam (FIB) lithography for use as a UV-NIL stamp. Line patterns were fabricated with the line width and line distance set at 150 and 150 nm, respectively. The patterning process was performed by applying different currents to observe the effect of the current value on the pattern profile. The fabricated patterns were investigated using AFM, and it was found that the pattern fabricated by applying a current value of 50 picoamperes (pA) has a better profile with a 65 nm line depth. The UV transmittance of the 160 nm thick film was measured to be 70-86%. The hardness and modulus of the BN was measured to be 12 and 150 GPa, respectively. The water contact angle of the stamp surface was measured at 75{sup 0}. The stamp was applied to UV-NIL without coating with an anti-adhesion layer. Successful imprinting was proved via scanning electron microscope (SEM) images of the imprinted resin.

  14. A rapid co-culture stamping device for studying intercellular communication

    OpenAIRE

    Amin Hassanzadeh-Barforoushi; Jonathan Shemesh; Nona Farbehi; Mohsen Asadnia; Guan Heng Yeoh; Richard P. Harvey; Robert E. Nordon; Majid Ebrahimi Warkiani

    2016-01-01

    Regulation of tissue development and repair depends on communication between neighbouring cells. Recent advances in cell micro-contact printing and microfluidics have facilitated the in-vitro study of homotypic and heterotypic cell-cell interaction. Nonetheless, these techniques are still complicated to perform and as a result, are seldom used by biologists. We report here development of a temporarily sealed microfluidic stamping device which utilizes a novel valve design for patterning two a...

  15. A new marking technique for peripheral lung nodules avoiding pleural puncture: the intrathoracic stamping method.

    Science.gov (United States)

    Kawada, Masaya; Okubo, Tetsuyuki; Poudel, Saseem; Suzuki, Yoshinori; Kawarada, Yo; Kitashiro, Shuji; Okushiba, Shunichi; Katoh, Hiroyuki

    2013-03-01

    While performing thoracoscopic wedge resection of the lung, the location of the lesion is generally identified by visual inspection or palpation. When difficulty in identification of the lesion by thoracoscopy is anticipated, preoperative marking is performed. However, complications and technical difficulties plague current marking techniques. To overcome this problem, we designed a new, safe and easy marking technique that avoids pleural puncture, called the intrathoracic stamping method.

  16. Improved Formability by Control of Strain Distribution in Sheet Stamping Using Electromagnetic Impulses

    OpenAIRE

    Daehn, G. S.; Shang, J.; Vohnout, V. J.

    2004-01-01

    Stamping failures consist of, broadly speaking, either tearing (excessive local strain energy) or wrinkling (insufficient or inappropriate local strain energy). Good parts are produced when the strain energy or plastic work is effectively distributed during the forming process such that tears and wrinkles are eliminated. The process window framed by tearing and wrinkling limits can be rather small for some materials, notably aluminum alloys. At present, there are no established methods of dir...

  17. A new marking technique for peripheral lung nodules avoiding pleural puncture: the intrathoracic stamping method

    OpenAIRE

    Kawada, Masaya; Okubo, Tetsuyuki; Poudel, Saseem; Suzuki, Yoshinori; Kawarada, Yo; Kitashiro, Shuji; Okushiba, Shunichi; Katoh, Hiroyuki

    2012-01-01

    While performing thoracoscopic wedge resection of the lung, the location of the lesion is generally identified by visual inspection or palpation. When difficulty in identification of the lesion by thoracoscopy is anticipated, preoperative marking is performed. However, complications and technical difficulties plague current marking techniques. To overcome this problem, we designed a new, safe and easy marking technique that avoids pleural puncture, called the intrathoracic stamping method.

  18. Characterization of the interfacial heat transfer coefficient for hot stamping processes

    OpenAIRE

    Luan, X; Liu, X; Fang, H; Ji, K; El Fakir, O; Wang, L

    2016-01-01

    In hot stamping processes, the interfacial heat transfer coefficient (IHTC) between the forming tools and hot blank is an essential parameter which determines the quenching rate of the process and hence the resulting material microstructure. The present work focuses on the characterization of the IHTC between an aluminium alloy 7075-T6 blank and two different die materials, cast iron (G3500) and H13 die steel, at various contact pressures. It was found that the IHTC between AA7075 and cast ir...

  19. Anisotropic behaviour law for sheets used in stamping: A comparative study of steel and aluminium

    OpenAIRE

    Sinou, Jean-Jacques; Macquaire, Bruno

    2008-01-01

    International audience; For a car manufacturer, reducing the weight of vehicles is an obvious aim. Replacing steel by aluminium moves towards that goal. Unfortunately, aluminium's stamping numerical simulation results are not yet as reliable as those of steel. Punch-strength and spring-back phenomena are not correctly described. This study on aluminium validates the behaviour law Hill 48 quadratic yield criterion with both isotropic and kinematic hardening. It is based on the yield surface an...

  20. Low temperature high density plasma nitriding of stainless steel molds for stamping of oxide glasses

    Directory of Open Access Journals (Sweden)

    Aizawa Tatsuhiko

    2016-01-01

    Full Text Available Various kinds of stainless steels have been widely utilized as a die for mold- and direct-stamping processes of optical oxide glasses. Since they suffered from high temperature transients and thermal cycles in practice, they must be surface-treated by dry and wet coatings, or, by plasma nitriding. Martensitic stainless steel mold was first wet plated by the nickel phosphate (NiP, which was unstable at the high temperature stamping condition; and, was easy to crystalize or to fracture by itself. This issue of nuisance significantly lowered the productivity in fabrication of optical oxide-glass elements. In the present paper, the stainless steel mold was surface-treated by the low-temperature plasma nitriding. The nitrided layer by this surface modification had higher nitrogen solute content than 4 mass%; the maximum solid-solubility of nitrogen is usually 0.1 mass% in the equilibrium phase diagram. Owing to this solid-solution with high nitrogen concentration, the nitrided layer had high hardness over 1400 HV within its thickness of 50 μm without any formation of nitrides after plasma nitriding at 693 K for 14.4 ks. This plasma-nitrided mold was utilized for mold-stamping of two colored oxide glass plates at 833 K; these plates were successfully deformed and joined into a single glass plate by this stamping without adhesion or galling of oxide glasses onto the nitrided mold surface.

  1. Using stamping punch force variation for the identification of changes in lubrication and wear mechanism

    Science.gov (United States)

    Voss, B. M.; Pereira, M. P.; Rolfe, B. F.; Doolan, M. C.

    2017-09-01

    The growth in use of Advanced High Strength Steels in the automotive industry for light-weighting and safety has increased the rates of tool wear in sheet metal stamping. This is an issue that adds significant costs to production in terms of manual inspection and part refinishing. To reduce these costs, a tool condition monitoring system is required and a firm understanding of process signal variation must form the foundation for any such monitoring system. Punch force is a stamping process signal that is widely collected by industrial presses and has been linked closely to part quality and tool condition, making it an ideal candidate as a tool condition monitoring signal. In this preliminary investigation, the variation of punch force due to different lubrication conditions and progressive wear are examined. Linking specific punch force signature changes to developing lubrication and wear events is valuable for die wear and stamping condition monitoring. A series of semi-industrial channel forming trials were conducted under different lubrication regimes and progressive die wear. Punch force signatures were captured for each part and Principal Component Analysis (PCA) was applied to determine the key Principal Components of the signature data sets. These Principal Components were linked to the evolution of friction conditions over the course of the stroke for the different lubrication regimes and mechanism of galling wear. As a result, variation in punch force signatures were correlated to the current mechanism of wear dominant on the formed part; either abrasion or adhesion, and to changes in lubrication mechanism. The outcomes of this study provide important insights into punch force signature variation, that will provide a foundation for future work into the development of die wear and lubrication monitoring systems for sheet metal stamping.

  2. Boron nitride stamp for ultra-violet nanoimprinting lithography fabricated by focused ion beam lithography

    Science.gov (United States)

    Ozhan Altun, Ali; Jeong, Jun-Ho; Rha, Jong-Joo; Kim, Ki-Don; Lee, Eung-Sug

    2007-11-01

    Cubic boron nitride (c-BN) is one of the hardest known materials (second after diamond). It has a high level of chemical resistance and high UV transmittance. In this study, a stamp for ultra-violet nanoimprint lithography (UV-NIL) was fabricated using a bi-layered BN film deposited on a quartz substrate. Deposition of the BN was done using RF magnetron sputtering. A hexagonal boron nitride (h-BN) layer was deposited for 30 min before c-BN was deposited for 30 min. The thickness of the film was measured as 160 nm. The phase of the c-BN layer was investigated using Fourier transform infrared (FTIR) spectrometry, and it was found that the c-BN layer has a 40% cubic phase. The deposited film was patterned using focused ion beam (FIB) lithography for use as a UV-NIL stamp. Line patterns were fabricated with the line width and line distance set at 150 and 150 nm, respectively. The patterning process was performed by applying different currents to observe the effect of the current value on the pattern profile. The fabricated patterns were investigated using AFM, and it was found that the pattern fabricated by applying a current value of 50 picoamperes (pA) has a better profile with a 65 nm line depth. The UV transmittance of the 160 nm thick film was measured to be 70 86%. The hardness and modulus of the BN was measured to be 12 and 150 GPa, respectively. The water contact angle of the stamp surface was measured at 75°. The stamp was applied to UV-NIL without coating with an anti-adhesion layer. Successful imprinting was proved via scanning electron microscope (SEM) images of the imprinted resin.

  3. Validation of the stamping method for CaSO{sub 4}:RE + Teflon® pellets production

    Energy Technology Data Exchange (ETDEWEB)

    Nunes, Maira G.; Rodrigues, Leticia L.C., E-mail: mgnunes@ipen.br, E-mail: lcrodri@ipen.br [Instituto de Pesquisas Energeticas e Nucleares (IPEN/CNEN-SP), Sao Paulo, SP (Brazil)

    2014-07-01

    The IPEN method for the CaSO{sub 4}:RE + Teflon® production, developed and patented at the Dosimetric Materials Laboratory - LMD/IPEN in the earlier 1980's, is highly time-demanding, so that the use of the stamping method, already widely industrially applied, would enhance the CaSO{sub 4}:RE + Teflon® pellets production. Thus, validating the stamping method, by comparing the dosimetric properties of a batch of pellets produced by each method, became a must. The stamped batch presents the same mean non-irradiated signals either after sintering or annealing while IPEN batch mean non-irradiated signals vary in 23%. The mean TL signal after irradiation was about 50 nC, but the standard deviation varies from 20% to 33% for IPEN batch and keeps in 10% for the stamped batch. 24 h after the irradiation, the TL signal decreased to about 35 nC, with no differences in IPEN batch standard deviation and a decrease to 5% in stamped batch standard deviation, for the five performed essays. Calibration curves present a linear behavior over the entire studied dose range and the same coefficients for both methods, however, the uncertainties in the coefficients determined to the calibration curve obtained with stamped pellets are significantly smaller, leading to a more precise dose determination. This results show that the stamping method produces more homogeneous batches, with pellets that maintain the dosimetric characteristics of the detectors produced by IPEN method, in such a way that the stamping method can substitute with advantages the IPEN method in the CaSO{sub 4}:RE + Teflon® dosimetric pellets production. (author)

  4. Hábitos alimentares entre funcionários de banco estatal: padrão de consumo alimentar Eating habits among employees of a state-owned bank: food consumption profile

    Directory of Open Access Journals (Sweden)

    Maria de Jesus Mendes da Fonseca

    1999-01-01

    Full Text Available Com o objetivo de identificar as condições de saúde dos funcionários de um banco estatal, no Estado do Rio de Janeiro, realizou-se estudo seccional em dois setores do banco, através de amostragem sistemática. Entre as condições de saúde, o perfil dos hábitos alimentares foi investigado mediante questionário de freqüência de consumo de grupos de alimentos, analisado por meio de medida-resumo (escore alimentar. Embora a maior parte da população apresente bons hábitos alimentares, os resultados confirmaram grande diferença entre os sexos: cerca de 60% dos homens apresentaram escores maiores do que a média da população (51,2, comparados a 45% das mulheres. Além disso, foi possível verificar que os homens, principalmente os mais jovens, consomem maior quantidade de alimentos com gordura saturada, sal ou açúcar, quando comparados às mulheres. Os achados indicam que a qualidade da dieta junto a outros hábitos e comportamentos, como tabagismo e sedentarismo, devem fazer parte de programas de promoção da saúde no ambiente de trabalho, visando controlar as doenças cardiovasculares e outros agravos.In order to investigate the health conditions of current employees in a government-owned bank in the State of Rio de Janeiro, we performed a cross-sectional study in two departments where systematic sampling was applied. Among the health conditions, we focused on the employees' eating habit profile using a questionnaire on frequency of food group consumption analyzed through a summary measure (eating score. Although the majority of the study population display good eating habits, the results confirmed a major difference between genders. Some 60% of men had scores higher than the population mean (51.2, as compared to only 45% of women. In addition, we observed that men, and particularly younger men, consumed more foodstuffs that were rich in saturated fat, salt, and sugar as compared to women. The findings indicate that quality of

  5. Application of a Model for Quenching and Partitioning in Hot Stamping of High-Strength Steel

    Science.gov (United States)

    Zhu, Bin; Liu, Zhuang; Wang, Yanan; Rolfe, Bernard; Wang, Liang; Zhang, Yisheng

    2018-04-01

    Application of quenching and partitioning process in hot stamping has proven to be an effective method to improve the plasticity of advanced high-strength steels (AHSSs). In this study, the hot stamping and partitioning process of advanced high-strength steel 30CrMnSi2Nb is investigated with a hot stamping mold. Given the specific partitioning time and temperature, the influence of quenching temperature on the volume fraction of microstructure evolution and mechanical properties of the above steel are studied in detail. In addition, a model for quenching and partitioning process is applied to predict the carbon diffusion and interface migration during partitioning, which determines the retained austenite volume fraction and final properties of the part. The predicted trends of the retained austenite volume fraction agree with the experimental results. In both cases, the volume fraction of retained austenite increases first and then decreases with the increasing quenching temperature. The optimal quenching temperature is approximately 290 °C for 30CrMnSi2Nb with the partition conditions of 425 °C and 20 seconds. It is suggested that the model can be used to help determine the process parameters to obtain retained austenite as much as possible.

  6. Fabrication of 3D high aspect ratio PDMS microfluidic networks with a hybrid stamp.

    Science.gov (United States)

    Kung, Yu-Chun; Huang, Kuo-Wei; Fan, Yu-Jui; Chiou, Pei-Yu

    2015-04-21

    We report a novel methodology for fabricating large-area, multilayer, thin-film, high aspect ratio, 3D microfluidic structures with through-layer vias and open channels that can be bonded between hard substrates. It is realized by utilizing a hybrid stamp with a thin plastic sheet embedded underneath a PDMS surface. This hybrid stamp solves an important edge protrusion issue during PDMS molding while maintaining necessary stamp elasticity to ensure the removal of PDMS residues at through-layer regions. Removing edge protrusion is a significant progress toward fabricating 3D structures since high aspect ratio PDMS structures with flat interfaces can be realized to facilitate multilayer stacking and bonding to hard substrates. Our method also allows for the fabrication of 3D deformable channels, which can lead to profound applications in electrokinetics, optofluidics, inertial microfluidics, and other fields where the shape of the channel cross section plays a key role in device physics. To demonstrate, as an example, we have fabricated a microfluidic channel by sandwiching two 20 μm wide, 80 μm tall PDMS membranes between two featureless ITO glass substrates. By applying electrical bias to the two ITO substrates and pressure to deform the thin membrane sidewalls, strong electric field enhancement can be generated in the center of a channel to enable 3D sheathless dielectrophoretic focusing of biological objects including mammalian cells and bacteria at a flow speed up to 14 cm s(-1).

  7. Prevention of crack in stretch flanging process using hot stamping technique

    Science.gov (United States)

    Syafiq, Y. Mohd; Hamedon, Z.; Azila Aziz, Wan; Razlan Yusoff, Ahmad

    2017-10-01

    Demand for enhancing of passenger safety as well as weight reduction of automobiles has increased the use of high strength steel sheets. As a sheet metal is a lightweight having high strength is suitable for producing automotive parts such as white body panel. The stretch flanging of the high strength steel sheet is a problem due to high springback and easy to crack. This study uses three methods to stretch flange the sheets; using lubricants, shear-edge polishing and hot stamping. The effectiveness of these methods will be measured by comparing the flange length of each methods can achieved. For stretch flange with lubricant and polished sheared edge, the flange length failed to achieve the target 15 mm while hot stamping improved the formability of the sheet and preventing the occurrence of the springback and crack. Hot stamping not only improved formability of the sheet but also transformed the microstructure into martensite thus improve the hardness and the strength of the sheet after been quenched with the dies.

  8. Investigations on the Hot Stamping of AW-7921-T4 Alloy Sheet

    Directory of Open Access Journals (Sweden)

    M. Kumar

    2017-01-01

    Full Text Available AW-7xxx alloys have been nowadays considered for greater light weighting potential in automotive industry due to its higher strength compared to AW-5xxx and AW-6xxx alloys. However, due to their lower formability the forming processes are still in development. This paper investigates one such forming process called hot stamping. The investigation started by carrying out hot tensile testing of an AW-7xxx alloy, that is, AW-7921 at temperatures between 350°C and 475°C, to measure the strength and formability. Formability was found to improve with increasing temperature and was sensitive to the strain rate. Dynamic recovery is considered as usual reason for the formability improvement. However, examining the precipitation states of the as-received condition and after hot stamping using differential scanning calorimetry (DSC, the dissolution of precipitates was also believed to contribute to this increase in formability. Following solution heat treatment there was no precipitation during cooling across the cooling rates investigated (5–10°C/s. Samples taken from parts hot stamped at 10 and 20 mm s−1 had similar yield strengths. A 3-step paint baking heat treatment yielded a higher postpaint baking strength than a single step treatment.

  9. Conformal contact and pattern stability of stamps used for soft lithography

    Science.gov (United States)

    Bietsch, Alexander; Michel, Bruno

    2000-10-01

    Patterning in soft lithography techniques such as microcontact printing or light-coupling mask lithography is mediated by surface topographical patterns of elastomeric stamps: intimate contact with the substrate is achieved locally at the protruding areas, whereas a gap remains between the substrate and recessed zones. This principle challenges the properties of the stamp, especially when printing high-resolution or extreme aspect-ratio patterns with high accuracy. On the one hand, the stamp must be soft enough to enable conformal contact with the substrate, which means that it must adapt elastically without leaving voids created by the natural roughness of the substrate. On the other hand, a precise definition of micropatterns requires a rigid material. In this article, we analyze the conditions of elasticity, roughness, and energy of adhesion to establish conformal contact between an elastomer and the target surface. Furthermore, we address questions of replication accuracy and evaluate local elastic deformation induced by normal forces using model calculations for simple pattern geometries. Pressure applied during contact leads to a sagging or collapse of the unsupported areas. We discuss implications on both material and pattern design that allow spontaneous propagation of conformal contact while inhibiting the spreading of collapse.

  10. On the die face design for stamping an automotive engine hood

    Science.gov (United States)

    Chen, Ming-Zhi; Wang, Shi-Wei; Lin, Ching-I.; Chen, Fuh-Kuo

    2017-09-01

    Since the engine hood is mainly manufactured in the drawing operation, the die addendum design is the key to the success of manufacturing a defect free product. In this study, the existing die addendum designs corresponding to those engine hoods were reviewed and the design parameters were constructed. The preliminary study was then performed to examine the influences of the stamping die angle, binder surface shape, and die open line shape on the defects occurred in the part. Based on the simulation results, the optimum design for the die addendum face was then investigated and a systematic design guideline was proposed. In order to validate the proposed design guideline, actual engine hoods were stamped according to the finite element analysis and the production part shapes, thickness distributions, and the stretch at the central region were compared with those obtained from the finite element simulations. The consistent agreement between the product parts and the simulation results confirms the validity of the design guideline proposed in the present study for stamping an engine hood.

  11. Evaluation of resistless Ga+ beam lithography for UV NIL stamp fabrication

    Science.gov (United States)

    Rumler, M.; Fader, R.; Haas, A.; Rommel, M.; Bauer, A. J.; Frey, L.

    2013-09-01

    This paper presents an alternative rapid prototyping approach for the fabrication of stamps for UV nanoimprint lithography. In this process, areas implanted with gallium serve as an etch mask for the dry etching of quartz. The implantation is performed using a focused ion beam system. To avoid charging of the quartz substrate the use of thin layers of chromium or carbon on the quartz substrate has been evaluated. The resulting quartz structures exhibit very smooth surfaces after dry etching, if the implantation dose is high enough to form a stable etch mask. Furthermore, anisotropic etching could be realized by optimization of a quartz etching process involving C4F8 and O2 after the use of resistless Ga+ beam lithography. Finally, imprints into a UV curing resist are performed successfully with the manufactured stamps, proving that the presence of Ga rich areas on the stamp is not detrimental to the curing of the resist or the functionality of the anti-sticking layer.

  12. Banking on the Future. Seed Bank Investigations Teach Biodiversity and Biocomplexity

    Science.gov (United States)

    Clary, Renee; Wandersee, James

    2013-01-01

    People depend on plants to fulfill many of their basic needs, such as food, clothing, and shelter. Although plants are all around us, people are often afflicted with "plant blindness," paying more attention to animals (Wandersee and Clary 2006; Wandersee and Schussler 2001). Studying seed banks and building one in the classroom can…

  13. What makes Stellwagen Bank a whale feeding ground?

    Science.gov (United States)

    Zhai, X.; Flierl, G.; Lermusiaux, P. F. J.; Haley, P. J., Jr.; McCarthy, J. J.

    2016-12-01

    Stellwagen Bank lies at the Massachusetts Bay's eastern boundary with the Gulf of Maine (GoM) and is encompassed by the Gerry E. Studds Stellwagen Bank National Marine Sanctuary. It is a shoal with primarily sandy bottom and with water depth ranging from 20 meters to 40 meters. All across the Bank these waters are highly productive and support a large and diverse planktonic community and benthic community, a large fish diversity and fish biomass, and it is one of the most active whale feeding grounds in coastal waters of the United States makes. According to previous studies, several factors may contribute to the high biomass over sea banks and sea mounts, such as local enhancement due to high dissolved inorganic nitrogen (DIN = NH4 + NO3) and subsequent retention of productivity, plus the advection and local concentration of food produced elsewhere. In this research, the biological and physical processes which can cause the biomass patterns and accumulations over the Stellwagen Bank and its vicinity are investigated separately and together, using a 3D model which has been built in the MSEAS (Multidisciplinary simulation, estimation, and assimilation system) and a simple 2D cross-bank profile model. The study is focused on figuring out which are the dominant factors and processes that contribute to the abundant food in the Stellwagen Bank ecosystem and are responsible for sustaining the large biomass over the Bank, and how local or regional changes in climate and circulation might affect the food availability in this important whale feeding ground. The 2D model result shows that zooplankton diel migration can significantly affect the biological biomass and DIN concentration over the Bank. Both the 2D and 3D models show that upwelling induced by the Bank topography play an important role in nutrient and biomass enhancement.

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

    African Journals Online (AJOL)

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

  15. Protein Data Bank (PDB)

    Data.gov (United States)

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

  16. Environmental Data Bank

    Energy Technology Data Exchange (ETDEWEB)

    ,

    1962-06-01

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

  17. Reliability data banks

    International Nuclear Information System (INIS)

    Cannon, A.G.; Bendell, A.

    1991-01-01

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

  18. Banking on technology.

    Science.gov (United States)

    Bolster, Carole J

    2007-04-01

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

  19. Mitigation Banking Factsheet

    Science.gov (United States)

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

  20. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

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

  1. Banking in southern Europe

    OpenAIRE

    Lazarević Žarko

    2014-01-01

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

  2. Role of Foreign Banks in Integration of Banking Industry

    Directory of Open Access Journals (Sweden)

    Roman Šubić

    2009-12-01

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

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

    Directory of Open Access Journals (Sweden)

    Sanader Dušica

    2014-01-01

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

  4. 12 CFR 7.1003 - Money lent at banking offices or at other than banking offices.

    Science.gov (United States)

    2010-01-01

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

  5. Food science symposium: a national food irradiation forum

    International Nuclear Information System (INIS)

    Anon.

    1989-01-01

    A national food irradiation forum was held to further promote the use of irradiation for food applications. This offered opportunity for the Department of National Health to announce new legislation for the labelling of irradiated foodstuffs. Subjects which dominated the proceedings included the implementation of labelling legislation and consumer education; cost implications and commercialisation of radurisation; the increasing trend towards the radurisation of processed foodstuffs as opposed to fresh and the future of food irradiation in South Africa. The safety of the irradiation process was stressed. The forum came to the conclusion that South Africa has this technology which has the government's stamp of approval and it is now up to the food industry, the Consumer Council, etc., to educate consumers into realising that they are buying quality products - and that the Radura symbol is a symbol of quality

  6. Can consumers bank on mergers?

    OpenAIRE

    Kerton, Robert / R

    2003-01-01

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

  7. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

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

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

    Directory of Open Access Journals (Sweden)

    Markova O.M.

    2017-04-01

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

  9. Molecular dynamics study on the effects of stamp shape, adhesive energy, and temperature on the nanoimprint lithography process

    International Nuclear Information System (INIS)

    Kang, Ji-Hoon; Kim, Kwang-Seop; Kim, Kyung-Woong

    2010-01-01

    Molecular dynamics simulations of nanoimprint lithography (NIL) were performed to investigate the effects of three critical process parameters in NIL: stamp shape, adhesive energy between the stamp and polymer film, and imprint temperature. The proposed simulation model of the NIL process consists of an amorphous SiO 2 stamp with a line pattern, an amorphous poly(methylmethacrylate) film, and a Si substrate under the periodic boundary condition in the horizontal direction to simulate a real NIL process imprinting periodical line patterns. The behavior of polymer deformation and the effects of adhesion on pattern transfer were investigated by observing the deformation process, calculating the imprint and separation forces, and analyzing the density and stress distribution inside the polymer film. In addition, their dependency on the process parameters is also discussed with reference to the changes in pattern shape, adhesive energy between the stamp and polymer atoms, and imprint temperature of the polymer film. During the imprint process, the rectangular pattern shows inferior cavity filling and higher stress concentration compared to trapezoidal and triangular patterns because it requires much larger flow and deformation of the polymer film. Low imprint temperature also produces high stress concentration and large imprint force due to the lower fluidity of polymer film. In the separation process, the rectangular pattern generates the largest separation force and causes the most serious defects of the transferred pattern and even the polymer film, while the triangular pattern shows the most satisfactory pattern transfer. In addition, the adhesive energy between the stamp and the polymer film also strongly influences the adhesion between the stamp and the polymer film. Low adhesive energy reduces the separation force of the stamp and transferred pattern defects, and therefore enhances the quality of pattern transfer.

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

    Directory of Open Access Journals (Sweden)

    Anthony Lukmawijaya

    2015-05-01

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

  11. Banking in southern Europe

    Directory of Open Access Journals (Sweden)

    Lazarević Žarko

    2014-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Aditya Wardhana

    2015-09-01

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

  13. SINCERITIES: Inferring gene regulatory networks from time-stamped single cell transcriptional expression profiles.

    Science.gov (United States)

    Papili Gao, Nan; Ud-Dean, S M Minhaz; Gandrillon, Olivier; Gunawan, Rudiyanto

    2017-09-14

    Single cell transcriptional profiling opens up a new avenue in studying the functional role of cell-to-cell variability in physiological processes. The analysis of single cell expression profiles creates new challenges due to the distributive nature of the data and the stochastic dynamics of gene transcription process. The reconstruction of gene regulatory networks (GRNs) using single cell transcriptional profiles is particularly challenging, especially when directed gene-gene relationships are desired. We developed SINCERITIES (SINgle CEll Regularized Inference using TIme-stamped Expression profileS) for the inference of GRNs from single cell transcriptional profiles. We focused on time-stamped cross-sectional expression data, commonly generated from transcriptional profiling of single cells collected at multiple time points after cell stimulation. SINCERITIES recovers directed regulatory relationships among genes by employing regularized linear regression (ridge regression), using temporal changes in the distributions of gene expressions. Meanwhile, the modes of the gene regulations (activation and repression) come from partial correlation analyses between pairs of genes. We demonstrated the efficacy of SINCERITIES in inferring GRNs using in silico time-stamped single cell expression data and single cell transcriptional profiles of THP-1 monocytic human leukemia cells. The case studies showed that SINCERITIES could provide accurate GRN predictions, significantly better than other GRN inference algorithms such as TSNI, GENIE3 and JUMP3. Moreover, SINCERITIES has a low computational complexity and is amenable to problems of extremely large dimensionality. Finally, an application of SINCERITIES to single cell expression data of T2EC chicken erythrocytes pointed to BATF as a candidate novel regulator of erythroid development. The MATLAB and R version of SINCERITIES is freely available from the following websites: http://www.cabsel.ethz.ch/tools/sincerities.html and

  14. Studying the Solar System Can Be More Than Just "Stamp Collecting"

    Science.gov (United States)

    LoPresto, Michael C.

    2017-04-01

    While teaching his first-ever introductory college astronomy course, I heard a graduate student make the comment that compared to other areas of astronomy, studying the solar system is just "stamp collecting." Coverage of the solar system in an introductory college astronomy course certainly could consist mostly of showing images and reporting facts, but by using observations that can be made from images and also data and other known facts about the objects, instruction on solar system topics can be more conceptual, involving just as much inquiry and discovery as any area of astronomy or physics.

  15. Analysis of the Phenomenon of Speculative Trading in One of its Basic Manifestations:. Postage Stamp Bubbles

    Science.gov (United States)

    Roehner, B.; Sornette, D.

    We document and analyze the empirical facts concerning one of the clearest evidence of speculation in financial trading as observed in the postage collection stamp market. We unravel some of the mechanisms of speculative behavior which emphasize the role of fancy and collective behavior. In our conclusion, we propose a classification of speculative markets based on two parameters, namely the amplitude of the price peak and a second parameter that measures its "sharpness". This study is offered to anchor modeling efforts to realistic market constraints and observations.

  16. Time stamp generation with inverse FIR filters for Positron Emission Tomography

    International Nuclear Information System (INIS)

    Namias, Mauro

    2009-01-01

    Photon coincidence detection is the process by which Positron Emission Tomography (PET) works. This requires the determination of the time of impact of each coincident photon at the detector system, also known as time stamp. In this work, the timestamp was generated by means of digital time-domain deconvolution with FIR filters for a INa(Tl) based system. The detector deadtime was reduced from 350 ns to 175 ns while preserving the system's energy resolution and a direct relation between the amount of light collected and the temporal resolution was found.(author)

  17. Use of atomic force microscopy in the forensic application of chronological order of toners and stamping inks in questioned documents.

    Science.gov (United States)

    Kang, Tae-Yi; Lee, Joong; Park, Byung-Wook

    2016-04-01

    This paper describes the application of the atomic force microscopy (AFM) as a nano-indentation method and introduces a new method of identifying the chronological order of the application of the toner and stamping ink on the surface of documents by removing either of them. Various toners were used as samples for the AFM nano-indentation method. The chronological order of the application of the toner and stamping ink with either the toner placed over the stamping ink or the stamping ink placed over the toner, could be identified, regardless of the kinds of toners made by various companies. This paper provides the new approach for physically removing the toner and checking the material below it to identify questioned documents, which allows the method to be used to appraise documents forensically. Blind testing has shown that the method to analyze the chronological order of toner-printed documents and the seal stamping on them could accurately identify the order in all samples, while minimizing damage to the samples. Copyright © 2016 Elsevier Ireland Ltd. All rights reserved.

  18. Fabrication of a roller type PDMS stamp using SU-8 concave molds and its application for roll contact printing

    International Nuclear Information System (INIS)

    Park, Jongho; Kim, Beomjoon

    2016-01-01

    Continuous fabrication of micropatterns at low-cost is attracting attention in various applications within industrial fields. To meet such demands, we have demonstrated a roll contact printing technique, using roller type polydimethylsiloxane (PDMS) stamps with roll-to-flat and roll-to-roll stages. Roller type PDMS stamps for roll contact printing were fabricated using a custom-made metal support and SU-8 microstructures fabricated on concave substrates as a mold. The molding/casting method which we developed here provided faster and easier fabrication than conventional methods for roller type stamps. Next, roll contact printing was performed using fabricated roller type PDMS stamps with roll-to-flat and roll-to-roll stages. Patterns with minimum widths of 3 μm and 2.1 μm were continuously fabricated for each stage, respectively. In addition, the relationship between applied pressures and dimensional changes of roll contact printed patterns was investigated. Finally, we confirmed that roll contact printing and the new fabrication method for roller stamps presented in this study demonstrated the feasibility for industrial applications. (paper)

  19. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

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

  20. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

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

  1. Customer loyalty in Internet banking

    OpenAIRE

    Eriksson, M.; Schuster, C.

    2008-01-01

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

  2. Nuclear Plant Data Bank

    International Nuclear Information System (INIS)

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

    1986-01-01

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

  3. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

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

  4. Cyber risk in banking

    OpenAIRE

    Linert, Jan

    2015-01-01

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

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

    OpenAIRE

    Alexiou Constantinos; Sofoklis Voyazas

    2009-01-01

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

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

    Directory of Open Access Journals (Sweden)

    C. Rootman

    2007-12-01

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

  7. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Dragan (Santamarian Oana Raluca

    2012-12-01

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

  8. 12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

    Science.gov (United States)

    2010-01-01

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

  9. The collection of Tuvan stamps (1926–1943 in the National Museum of the Republic of Tuva and the prospects of philately in Tuva

    Directory of Open Access Journals (Sweden)

    Kaadyr-ool A. Bicheldey

    2016-09-01

    Full Text Available Stamps of the People’s Republic of Tuva (PRT, 1921-1944 as indicia and as items of collectors’ interest, are universally renowned, and as such have been the subject of a good deal of research. These works contain more than a mere story of Tuvan stamps – they provide a lot of useful information on Tuva, its history, including the history of postal service in the region. This article describes the collection of indicia (more than 500 pieces dated 1926-1943 and preserved at Aldan Maadyr National Museum of Tuva. On the basis of this analysis we have formulated the current problems and prospects of philately in the region. The stamp collection in the National Museum fills 4 albums of various sizes and a number of envelopes with 1-72 stamps in each. The compilers of 2 albums attempted to systematize stamps by issue date, but this work is far from complete. There is no definitive collection of Tuvan stamps to act as a model for others, regardless of the quality of the stamps preserved. The rest of the stamps in the museum collection is in unsorted state. Overall, the degree of preservation can be tentatively described as average. Given the great interest of scholars and collectors, Tuvan stamps are relatively little studies. The overall bulk of material on the uses of stamps in Tuva lacks an overarching study. We have summed up the main research problems that call for in-depth research, including studying Tuvan stamps as pieces of art, the financial and economic viability of issuing stamps in PRT, the official documentations licensing the issue, full catalogization of all existing issues, the study of individual stamps, etc. Especially urgent is the issue of propagating knowledge of history of Tuvan postal service as a precondition for collecting and preserving PRT stamps. Archives of many Tuvan families may contain unique stamps, rare envelopes or postcards – but few of their owners recognize the full value of what they have. This puts unique

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

    African Journals Online (AJOL)

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

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

    African Journals Online (AJOL)

    However, the issue of armed robbery attack at the bank premises brings to the fore two issues which are of paramount interest to the banker, customer and the general public. The issues are: (a) is the family of a bank customer killed by armed robbers in the banking hall during a transaction entitled to compensation? (b) Is a ...

  12. National Wetland Mitigation Banking Study Wetland Migitation Banking.

    Science.gov (United States)

    1994-02-01

    require advance mitigation. The Acequia Mitigation Bank in Idaho, for example, requires that mitigation must be complete and successful before...20. Georgia - Georgia Department of Transportation (single client DOT bank) 21. Idaho - Acequia (single client DOT bank) 22. Idaho - Mud Lake...21. Acequia Cassia County, ID ID Transportation Dept. (ITD) ITD ITD currently public - ITD 22. Mud Lake Wildlife Management Area

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

    NARCIS (Netherlands)

    Uittenbogaard, R.A.

    2014-01-01

    Nowadays the role of central bank is unquestioned and nearly ubiquitous. But was this always the case? This thesis analyses how De Nederlandsche Bank (DNB) developed into a central bank during the first four decades of its existence. Its establishment in 1814 was the result of a combination of both

  14. New method for springback compensation for the stamping of sheet metal components

    Science.gov (United States)

    Birkert, A.; Hartmann, B.; Straub, M.

    2017-09-01

    The need for car body structures of higher strength and at the same time lower weight results in serious challenges for the stamping process. Especially the use of high strength steel and aluminium sheets is causing growing problems with regard to elastic springback. To produce accurate parts the stamping dies must be adjusted more or less by the amount of the springback in the opposite direction. For this purpose well-known software solutions use the Displacement Adjustment Method or algorithms which are closely based on that method. A crucial issue of this method is that the generated die surfaces deviate from those of the target geometry with regard to surface area. A new Physical Compensation Method has been developed and validated which takes geometrical nonlinearity into account and creates compensated die geometries with equal-in-area die surfaces. In contrast to the standard mathematical/geometrical approach, the adjusted geometry is generated by a physical approach, which makes use of the virtual part stiffness. Hereby the target geometry is being deformed mechanically in a virtual process based on the springback simulation results by applying virtual forces in an additional elastic simulation. By doing so better part dimensions can be obtained in less tool optimization loops.

  15. A Material Perspective on Consequence of Deformation Heating During Stamping of DP Steels

    Science.gov (United States)

    Şimşir, C.; Çetin, B.; Efe, M.; Davut, K.; Bayramin, B.

    2017-09-01

    Recent studies showed that, during stamping of high strength steels at industrially relevant production rates, local temperature in the blank may rise up to 200°C - 300°C due to deformation heating. Moreover, die temperature may also rise up to 100°C - 150°C for progressive stamping dies. Based on the common assumption that the blank softens as the temperature increases, thermal softening creates a margin in Forming Limit Diagram (FLD) and therefore the FLD determined at room temperature can safely be used for those cases. In this article, the validity of this assumption on DP590 steel is questioned by high temperature tensile tests (RT - 300°C) at various strain rates (10-3 s-1 - 1 s-1). The results indicated a decrease both in uniform and total elongation in 200°C - 300°C range together with several other symptoms of Dynamic Strain Aging (DSA) at all strain rates. Concurrent with the DSA, the simulated FLD confirms the lower formability at high temperature and strain rates. Thus, it is concluded FLD determined at RT may not be valid for the investigated steels.

  16. Predication of coke strength from textural analysis of stamp charged coke supported by coal petrography

    Energy Technology Data Exchange (ETDEWEB)

    Sharma, R.; Dash, P.S.; Chakraborty, D.; Banerjee, P.K.; Kumar, D. [Tata Steel, Jamshedpur (India)

    2005-07-01

    Materials science tells us that defects or flaws in a solid material control the mechanical behaviour of that material. Similarly, in a coke, its strength is associated with the microstructure and texture. Optical microscopy is the most appropriate method for measuring these features. Attempts were made to correlate different types of textures with the strength of stamp charged coke at Tata Steel. The studies revealed that anisotropic carbon is less reactive to carbon dioxide compared to isotropic carbon. There may be two reasons for this: a lower surface area of the carbon available for reaction; the intrinsic reactivity may be lower for molecules which constitute anisotropic carbon. The strength after reaction depends on its anisotropic texture - the smaller size mosaic texture contributes to higher post strength. There are very few reports about use of micro textural analysis to predict cold strength of coke. Test results show that there exists an influence of isotropic carbon on M{sub 10} index. With an increase in isotropic texture, the M{sub 10} index deteriorates. The performance of coke in blast furnaces may be improved by improving room temperature and high temperature strength of coke by selecting coal with higher vitrinite distribution in the present blend through the stamp charging route. 18 refs., 12 figs., 3 tabs.

  17. Virtual method for the determination of an optimum thermal design of hot stamping tools

    Science.gov (United States)

    Weiß, W.; Koplenig, M.; Alb, M.; Graf, J.

    2016-11-01

    This work presents a new virtual method for the optimised thermal design of hot stamping tools. It provides optimal positions of the tool's tempering ducts with respect to the average working temperature and its homogeneous distribution on the surface of a tool. It consists of a specific procedure for hot stamping tool design and a software framework in order to interconnect three domains: (I) a parametrised CAD tool model, (II) a linear thermal solver using a fast boundary element method and (III) an optimisation algorithm. This enables the automated set-up, simulation and optimisation of a duct topology. The boundary conditions for the simulations are derived from a reduced model of the thermal loading of the tool. The virtual method proposed is demonstrated on simplified tool segment geometries. The results are transferred to complex tool designs used in industry. For a selected use case, the number of ducts could be reduced by 50% through the application of the proposed method. These results are validated virtually based on an existing design. Hence, the new virtual method contributes to a CAE-driven tool design and a more efficient tool manufacturing.

  18. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

    This article reports a study of the determinants of effective management of of retail banking services in Ghana......This article reports a study of the determinants of effective management of of retail banking services in Ghana...

  19. BANKING SUPERVISION IN EUROPEAN UNION

    Directory of Open Access Journals (Sweden)

    Lavinia Mihaela GUȚU

    2013-10-01

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

  20. Studies on the finite element simulation in sheet metal stamping processes

    Science.gov (United States)

    Huang, Ying

    The sheet metal stamping process plays an important role in modern industry. With the ever-increasing demand for shape complexity, product quality and new materials, the traditional trial and error method for setting up a sheet metal stamping process is no longer efficient. As a result, the Finite Element Modeling (FEM) method has now been widely used. From a physical point of view, the formability and the quality of a product are influenced by several factors. The design of the product in the initial stage and the motion of the press during the production stage are two of these crucial factors. This thesis focuses on the numerical simulation for these two factors using FEM. Currently, there are a number of commercial FEM software systems available in the market. These software systems are based on an incremental FEM process that models the sheet metal stamping process in small incremental steps. Even though the incremental FEM is accurate, it is not suitable for the initial conceptual design for its needing of detailed design parameters and enormous calculation times. As a result, another type of FEM, called the inverse FEM method or one-step FEM method, has been proposed. While it is less accurate than that of the incremental method, this method requires much less computation and hence, has a great potential. However, it also faces a number of unsolved problems, which limits its application. This motivates the presented research. After the review of the basic theory of the inverse method, a new modified arc-length search method is proposed to find better initial solution. The methods to deal with the vertical walls are also discussed and presented. Then, a generalized multi-step inverse FEM method is proposed. It solves two key obstacles: the first one is to determine the initial solution of the intermediate three-dimensional configurations and the other is to control the movement of nodes so they could only slide on constraint surfaces during the search by

  1. Electronic Load Bank

    Science.gov (United States)

    Huston, Steven W.

    1992-01-01

    Electronic load-bank circuit provides pulsed or continuous low-resistance load to imitate effect of short circuit on Ni/H2 or other electrochemical power cells. Includes safety/warning feature and taps for measurement of cell-output voltage and current.

  2. Banking on Diversity

    Science.gov (United States)

    Roach, Ronald

    2010-01-01

    Few organizations have as racially and culturally diverse a work force as the organizations that make up the World Bank Group. Of its 13,000 employees, nearly 60 percent of whom are located in downtown Washington, D.C., and the rest scattered across 160 offices around the globe, nearly every nation in the world is represented in the World Bank…

  3. UBS BANK INFORMATION

    CERN Multimedia

    UBS, CERN branch

    2002-01-01

    UBS SA, formerly Société de Banque Suisse (Swiss Bank Corporation), which has been providing banking services on the CERN site since 1954, is delighted to continue its financial partnership with the CERN personnel. Recent trends in payment methods - a decline in the use of cash combined with an increase in the use of 'virtual money', credit or payment cards and e-banking - have led UBS SA to place greater emphasis on customer services compared with conventional, over-the-counter transactions. Since our customers' banking habits have also changed, we will be implementing the following changes at our CERN offices: Building 500: conversion work will shortly be commencing to provide a comfortable and well-appointed customer services area offering, in particular, greater privacy, as well as two counters. Throughout the work, every measure will be taken to minimise inconvenience to our customers. Building 504: owing to the improvements to be made to our Building 500 premises, we will hencef...

  4. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...

  5. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...

  6. De-globalising bank regulation

    OpenAIRE

    Mario Tonveronachi

    2013-01-01

    The recent crisis has promoted a rethinking of financial globalisation, a revision that has also partially interested some official circles. National supervisors have often reacted to the crises of cross-border banks by ring fencing local interests. Some proposals (e.g. the Vickers Report and the Fed’s subsidiarisation of US establishments of foreign banks) de facto imply a partial de-globalisation of both banks and their supervision. Orthodox regulators and large banks point, on the contrary...

  7. Central Banking after the Crisis

    OpenAIRE

    Frederick S. Mishkin

    2013-01-01

    This paper explores where central banking is heading after the recent financial crisis. First it discusses the central bank consensus before the crisis and then outlines the key facts learned from the crisis that require changes in the way central banks conduct their business. Finally, it discusses four main areas in which central banks are altering their policy frameworks: 1) the interaction between monetary and financial stability policies, 2) nonconventional monetary policy, 3) risk manage...

  8. Auditing and bank capital regulation

    OpenAIRE

    Edward Simpson Prescott

    2004-01-01

    Auditing is introduced into a model of bank capital regulation. Deterministic and stochastic auditing strategies are studied. Contrary to intuition, auditing of bank risk should be focused on the safest banks because they hold the least amount of capital. Risky banks, which hold more capital, need to be audited less. The importance of auditing by regulators and penalties for non-compliance are discussed in light of the Basel II capital regulation proposals. Emphasis is placed on the importanc...

  9. 78 FR 38978 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-28

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  10. 75 FR 67969 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-04

    ... Doc No: 2010-27868] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control... of a bank or bank holding company. The factors that are considered in acting on the notices are set...

  11. 77 FR 58141 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-19

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  12. 76 FR 75548 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-12-02

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  13. 76 FR 75882 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-12-05

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  14. 78 FR 300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-03

    ...: 2012-31575] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12... bank or bank holding company. The factors that are considered in acting on the notices are set forth in...

  15. 77 FR 37406 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-21

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  16. 77 FR 27458 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-10

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank ] or bank holding company. The factors...

  17. 77 FR 19665 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-04-02

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  18. 77 FR 58379 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-20

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  19. 75 FR 71130 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-22

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  20. 76 FR 32361 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-06-06

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  1. 77 FR 73031 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-07

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  2. 77 FR 3475 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-24

    ... No: 2012-1314] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control... bank or bank holding company. The factors that are considered in acting on the notices are set forth in...

  3. 78 FR 35271 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-12

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  4. 77 FR 60118 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-02

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  5. 78 FR 45535 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-29

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  6. 77 FR 16839 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-22

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  7. 77 FR 9250 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-02-16

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  8. 78 FR 76305 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-17

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  9. 78 FR 41929 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-12

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  10. 75 FR 51814 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-08-23

    ... No: 2010-20809] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control... a bank or bank holding company. The factors that are considered in acting on the notices are set...

  11. 78 FR 3897 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-17

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  12. 75 FR 53968 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-09-02

    ... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  13. 76 FR 19099 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-04-06

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  14. 77 FR 4323 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-27

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  15. 75 FR 39016 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-07-07

    ... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  16. 76 FR 72205 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-11-22

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  17. 78 FR 49268 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-13

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  18. 76 FR 40730 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-07-11

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  19. 75 FR 9414 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-03-02

    ... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  20. 78 FR 13877 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-03-01

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  1. 77 FR 68121 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-15

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  2. 77 FR 54917 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-06

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  3. 75 FR 70262 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-17

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  4. 78 FR 27389 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-05-10

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  5. 78 FR 43883 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-22

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  6. 77 FR 66463 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-05

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  7. 78 FR 62301 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-15

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  8. 77 FR 50689 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-08-22

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  9. 77 FR 33459 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-06

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  10. 78 FR 39729 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-02

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  11. 76 FR 23599 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-04-27

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  12. 75 FR 5322 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-02-02

    ... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  13. 78 FR 3425 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-16

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  14. 75 FR 33810 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-15

    ... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  15. 75 FR 3904 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-01-25

    ... Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank holding company. The factors that are...

  16. 78 FR 51726 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-21

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  17. 77 FR 31612 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-29

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  18. 78 FR 53457 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-29

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  19. 77 FR 43824 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-26

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  20. 77 FR 72864 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-06

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  1. 76 FR 10595 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-02-25

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  2. 76 FR 10899 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-02-28

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  3. 75 FR 71440 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-11-23

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  4. 77 FR 34385 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-11

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  5. 76 FR 81939 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-12-29

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  6. 75 FR 77876 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2010-12-14

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  7. 78 FR 76834 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-19

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  8. 77 FR 16223 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-20

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  9. 76 FR 70722 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-11-15

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  10. 77 FR 60702 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-04

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  11. 77 FR 64801 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-23

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  12. 77 FR 284 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-04

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  13. 78 FR 24747 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-26

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...

  14. 75 FR 54148 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-09-03

    ... Doc No: 2010-22050] FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank... acquire a bank or bank holding company. The factors that are considered in acting on the notices are set...

  15. Teaching Bank Runs through Films

    Science.gov (United States)

    Flynn, David T.

    2009-01-01

    The author advocates the use of films to supplement textbook treatments of bank runs and panics in money and banking or general banking classes. Modern students, particularly those in developed countries, tend to be unfamiliar with potential fragilities of financial systems such as a lack of deposit insurance or other safety net mechanisms. Films…

  16. Bank Relationship and Firm Profitability

    NARCIS (Netherlands)

    Degryse, H.A.; Ongena, S.

    2000-01-01

    This paper examines how bank relationships affect firm performance. An empirical implication of recent theoretical models is that firms maintaining multiple bank relationships are less profitable than their single-bank peers. We investigate this empirical implication using a data set containing

  17. Islamic economics, banking and finance.

    OpenAIRE

    Dastgir, Shabbir

    2015-01-01

    The normal operations of commercial banks in Western economies do not conform to the religious requirements of the Islamic faith. In this article, Shabbir Dastgir explores the differences and outlines how the worldwide industry in Islamic\\ud banking has developed new banking practices.

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

    Directory of Open Access Journals (Sweden)

    Alexiou Constantinos

    2009-01-01

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

  19. Can laboratory and pilot recycling trials predict adhesive removal in commercial recycling systems? : results from the USPS environmentally benign stamp project

    Science.gov (United States)

    Carl Houtman; Daniel Seiter; Nancy Ross Sutherland; Donald Donermeyer

    2002-01-01

    The ultimate goal of the US Postal Service (USPS) Environmentally Benign Stamp Program is to develop stamp laminates, i.e., face paper, adhesive and siliconized liner, that do not cause difficulties in recycling mills. The criterion for success, and the USPS definition of benignity, is the avoidance of process and product quality hardships when such PSA laminates are...

  20. Contribution of Internet Banking toward Profitability of Banking in India

    Directory of Open Access Journals (Sweden)

    Majid Karimzadeh

    2015-12-01

    Full Text Available The adoption of the Internet in the banking industry on the one hand is closely related to a change in the structure of the organization and nature of operations in banking industry itself, and on the other hand, to the emergence of computer as a significant organizational tool. Banks have always been starving to introduce new technologies to reduce operational costs and expand their businesses. This study is an attempt to investigate the contribution of Internet banking on the performance of the banking system in India. Return on Assets (ROA and Return on Equity (ROE ratios are used to test this effect. The regression analysis showed that there is a significant effect of Internet banking services on the profitability of banks in terms of ROA and ROE in India.

  1. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

    Predetermined, operational procedures for dealing with banks in distress are conspicuously absent across the world with very few exceptions. Instead governments and regulatory authorities intervene when banks approach failure. Bail-outs of important creditors, sometimes including shareholders......, and blanket guarantees for creditors become the norm. We argue that efficient incentives of banks' creditors, as well as of shareholders and managers, require predetermined rules for dealing with banks in distress, and a group of creditors that are credibly non-insured. Cross-border banking increases the need...... for pre-determined bank insolvency procedures that could enable banks to expand cross-border in branches. In the empirical part we show that credibility of non-insurance is maximized with a partial deposit insurance scheme, and that the coverage can be decreased if effective rule-based distress resolution...

  2. Fabrication of a metallic roll stamp with low internal stress and high hardness for large area display applications by a pulse reverse current electroforming process

    International Nuclear Information System (INIS)

    Kim, Joongeok; Han, Jungjin; Kim, Taekyung; Kang, Shinill

    2014-01-01

    With the increasing demand for large scale micro/nano components in the fields of display, energy and electrical devices, etc, the establishment of a roll imprinting process has become a priority. The fabrication of a roll stamp with high dimensional accuracy and uniformity is one of the key issues in the roll imprinting process, because the roll stamp determines the properties of the replicated micro/nano structures. In this study, a method to fabricate a metallic roll stamp with low internal stress, high flatness, and high hardness was proposed by a pulse reverse current (PRC) electroforming process. The effects of PRC electroforming processes on the internal stress, hardness, and grain size of the electroformed stamp were examined, and the optimum process conditions were suggested. As a practical example of the proposed method, various micro-patterns for electronic circuits were fabricated via the roll imprinting process using a PRC electroformed stamp. (paper)

  3. 12 CFR 204.121 - Bankers' banks.

    Science.gov (United States)

    2010-01-01

    ... Federal Home Loan Bank, or in the National Credit Union Administration Central Liquidity Facility if the... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Bankers' banks. 204.121 Section 204.121 Banks... REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D) Interpretations § 204.121 Bankers' banks. (a)(1) The...

  4. Ownership concentration and bank profitability

    Directory of Open Access Journals (Sweden)

    Peterson Kitakogelu Ozili

    2017-12-01

    Full Text Available We investigate whether ownership concentration influences bank profitability in a developing country context. We focus on bank ownership concentration measured as the amount of direct equity held by a majority shareholder categorised into: high ownership concentration, moderate ownership concentration and disperse ownership. We find that banks with high ownership concentration have higher return on assets, higher net interest margin and higher recurring earning power while banks with dispersed ownership have lower return on assets but have higher return on equity. Also, higher cost efficiency improves the return on assets of widely-held banks and the return on equity of banks with moderate ownership. The findings have implications. JEL: Code: G3, G34, G31, Keywords: Corporate governance, Ownership structure, Agency theory, Profitability, Firm performance, Banks, Return on asset, Return on equity

  5. Can taxes tame the banks?

    DEFF Research Database (Denmark)

    Devereux, Michael P.; Johannesen, Niels; Vella, John

    In the wake of the financial crisis, a number of countries have introduced levies on bank borrowing with the aim of reducing risk in the financial sector. This paper studies the behavioral responses to the bank levies and evaluates the policy. We find that the levies induced banks to borrow less...... but also to hold more risky assets. The reduction in funding risk clearly dominates for banks with high capital ratios but is exactly offset by the increase in portfolio risk for banks with low capital ratios. This suggests that while the levies have reduced the total risk of relatively safe banks......, they have done nothing to curb the risk of relatively risky banks, which presumably pose the greatest threat to financial stability...

  6. INFORMATION FROM THE BANK

    CERN Multimedia

    1999-01-01

    The UBS will be integrating its two computer platforms during the weekend of 24 April.This operation involves changing your account card and Eurocheque card, which will be sent to you by post.Those who receive their bank correspondence at CERN may obtain their codes from the branch there.The security and rapidity of this procedure will be helped by the presentation of an identity document.Despite the precautions taken, problems may be experienced with the operation of the cash-points during that weekend.The bank's staff would like to offer apologies in advance for any difficulties and are at your disposal for any information you may need.UBS

  7. Danske Bank vildleder

    DEFF Research Database (Denmark)

    Ravn, Ib

    2014-01-01

    EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og stærktmed......EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og...

  8. GenBank.

    OpenAIRE

    Benson, D; Lipman, D J; Ostell, J

    1993-01-01

    The GenBank sequence database has undergone an expansion in data coverage, annotation content and the development of new services for the scientific community. In addition to nucleotide sequences, data from the major protein sequence and structural databases, and from U.S. and European patents is now included in an integrated system. MEDLINE abstracts from published articles describing the sequences provide an important new source of biological annotation for sequence entries. In addition to ...

  9. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, G.; Meiklejohn, S.

    2016-01-01

    Current cryptocurrencies, starting with Bitcoin, build a decentralized blockchain-based transaction ledger, maintained through proofs-of-work that also serve to generate a monetary supply. Such decentralization has benefits, such as independence from national political control, but also significant limitations in terms of computational costs and scalability. We introduce RSCoin, a cryptocurrency framework in which central banks maintain complete control over the monetary supply, but rely on...

  10. Modeling and simulation of stamp deflections in nanoimprint lithography: Exploiting backside grooves to enhance residual layer thickness uniformity

    DEFF Research Database (Denmark)

    Taylor, Hayden; Smistrup, Kristian; Boning, Duane

    2011-01-01

    We describe a model for the compliance of a nanoimprint stamp etched with a grid of backside grooves. We integrate the model with a fast simulation technique that we have previously demonstrated, to show how etched grooves help reduce the systematic residual layer thickness (RLT) variations...

  11. 75 FR 52981 - Chrysler, LLC; Twinsburg Stamping Plant, Including On-Site Leased Workers from Caravan Knight...

    Science.gov (United States)

    2010-08-30

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF LABOR Employment and Training Administration Chrysler, LLC; Twinsburg Stamping Plant, Including On-Site Leased Workers from Caravan Knight Facilities Management LLC, Wackenhut Security, CR Associates, and Syncreon, Twinsburg, OH; Amended Certification Regarding...

  12. 75 FR 11913 - Chrysler, LLC, Sterling Stamping Plant, Including On-Site Leased Workers from Caravan Knight...

    Science.gov (United States)

    2010-03-12

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF LABOR Employment and Training Administration Chrysler, LLC, Sterling Stamping Plant, Including On-Site Leased Workers from Caravan Knight Facilities Management LLC, Sterling Heights, MI; Amended Certification Regarding Eligibility To Apply for Worker Adjustment...

  13. The new Swiss commemorative stamp dedicated to CERN available at the Organization's Meyrin post office on Tuesday, 9 March!

    CERN Multimedia

    Maximilien Brice

    2004-01-01

    For some people, the stamp's rays are spreading outwards towards the infinitely large, while for others they focus inwards towards the infinitely small. It's a bit like the proverbial half-full or half-empty glass or a picture that conveys two different images, depending on how you look at it.

  14. Human Milk Banking.

    Science.gov (United States)

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

    Human milk banks play an essential role by providing human milk to infants who would otherwise not be able to receive human milk. The largest group of recipients are premature infants who derive very substantial benefits from it. Human milk protects premature infants from necrotizing enterocolitis and from sepsis, two devastating medical conditions. Milk banks collect, screen, store, process, and distribute human milk. Donating women usually nurse their own infants and have a milk supply that exceeds their own infants' needs. Donor women are carefully selected and are screened for HIV-1, HIV-2, human T-cell leukemia virus 1 and 2, hepatitis B, hepatitis C, and syphilis. In the milk bank, handling, storing, processing, pooling, and bacterial screening follow standardized algorithms. Heat treatment of human milk diminishes anti-infective properties, cellular components, growth factors, and nutrients. However, the beneficial effects of donor milk remain significant and donor milk is still highly preferable in comparison to formula. © 2017 S. Karger AG, Basel.

  15. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

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

  16. Virtual blood bank

    Science.gov (United States)

    Wong, Kit Fai

    2011-01-01

    Virtual blood bank is the computer-controlled, electronically linked information management system that allows online ordering and real-time, remote delivery of blood for transfusion. It connects the site of testing to the point of care at a remote site in a real-time fashion with networked computers thus maintaining the integrity of immunohematology test results. It has taken the advantages of information and communication technologies to ensure the accuracy of patient, specimen and blood component identification and to enhance personnel traceability and system security. The built-in logics and process constraints in the design of the virtual blood bank can guide the selection of appropriate blood and minimize transfusion risk. The quality of blood inventory is ascertained and monitored, and an audit trail for critical procedures in the transfusion process is provided by the paperless system. Thus, the virtual blood bank can help ensure that the right patient receives the right amount of the right blood component at the right time. PMID:21383930

  17. Forming of an axially tailored automotive channel section through hot stamping of tailor-welded blanks

    Science.gov (United States)

    Peister, C.; George, R.; Omer, K.; Worswick, M. J.; Malcolm, S.; Dykeman, J.; Yau, C.; Soldaat, R.; Bernert, W.

    2017-09-01

    In this work, top-hat cross-section axial crush rail specimens with tailored properties along their length were investigated. These top-hat channels were hot stamped in a fully cooled die set from tailor-welded blanks (TWBs). The blanks were laser-welded and comprised Usibor® 1500-AS joined to Ductibor® 500-AS in 1.2 mm and 1.6 mm thicknesses. Micro-hardness measurements were taken along the length of the formed specimens to map the hardness profile along their length. The effect of gauge thickness on hardness was evaluated. The hardness profile of these TWB parts was compared to that of parts formed using tailored in-die heating (IDH).

  18. Weld Repair of a Stamped Pressure Vessel in a Radiologically Controlled Zone

    Energy Technology Data Exchange (ETDEWEB)

    Cannell, Gary L. [Fluor Enterprises, Inc.; Huth, Ralph J. [CH2MHill Plateau Remediation Company; Hallum, Randall T. [Fluor Government Group

    2013-08-26

    In September 2012 an ASME B&PVC Section VIII stamped pressure vessel located at the DOE Hanford Site Effluent Treatment Facility (ETF) developed a through-wall leak. The vessel, a steam/brine heat exchanger, operated in a radiologically controlled zone (by the CH2MHill PRC or CHPRC), had been in service for approximately 17 years. The heat exchanger is part of a single train evaporator process and its failure caused the entire system to be shut down, significantly impacting facility operations. This paper describes the activities associated with failure characterization, technical decision making/planning for repair by welding, logistical challenges associated with performing work in a radiologically controlled zone, performing the repair, and administrative considerations related to ASME code requirements.

  19. Scandiatransplant acceptable mismatch program (STAMP) a bridge to transplanting highly immunized patients

    DEFF Research Database (Denmark)

    Koefoed-Nielsen, Pernille; Weinreich, I; Bengtsson, M

    2017-01-01

    BACKGROUND: Highly immunized patients are a challenge for organ transplantation programs. One way of increasing the likelihood of transplantation in this group of patients is to expand the possible donations by defining acceptable HLA mismatches. In the Scandiatransplant Acceptable Mismatch Program...... (STAMP), a de-centralized approach has been implemented in 2009. AIMS: The program has been improved during the years from utilizing HLA-A, -B, -DR matching only to include typing of all deceased donors for HLA-A, -B, -C, -DRB1 and -DQB1. The calculation of a transplantability score (TS) has been...... introduced in order to take both HLA and AB0 into consideration resulting in a more realistic picture of the transplantability chance. MATERIALS AND METHODS: Patients were selected for eligibility and results of immunisation status were prepared in each of the 9 tissue typing laboratories, while access...

  20. Construction of Time-Stamped Mobility Map for Path Tracking via Smith-Waterman Measurement Matching

    Directory of Open Access Journals (Sweden)

    Mu Zhou

    2014-01-01

    Full Text Available Path tracking in wireless and mobile environments is a fundamental technology for ubiquitous location-based services (LBSs. In particular, it is very challenging to develop highly accurate and cost-efficient tracking systems applied to the anonymous areas where the floor plans are not available for security and privacy reasons. This paper proposes a novel path tracking approach for large Wi-Fi areas based on the time-stamped unlabeled mobility map which is constructed from Smith-Waterman received signal strength (RSS measurement matching. Instead of conventional location fingerprinting, we construct mobility map with the technique of dimension reduction from the raw measurement space into a low-dimensional embedded manifold. The feasibility of our proposed approach is verified by the real-world experiments in the HKUST campus Wi-Fi networks, sMobileNet. The experimental results prove that our approach is adaptive and capable of achieving an adequate precision level in path tracking.

  1. SOCIAL RESPONSIBILITY SCORE: COMPARATIVE STUDY BETWEEN PUBLIC And PRIVATE COMPANIES, BASED In ibase SOCIAL stamp

    Directory of Open Access Journals (Sweden)

    Alexandre Reis

    2008-01-01

    Full Text Available The present article intends to arguing the existing differences and similarities between Social Responsibility actions and praticals developed by the private and public companies. This comparative study of exploring character was carried with the companies owners of Social Stamp IBASE, wich published its Social Balances in the model considered for the institute in the year of 2004. For such, beyond the documentary research involving the published balances, a conceptual revision over the main subjects was necessary and also it constitutes part of the study. The joined results supply measurable and representative information about the main characteristics of social action of the companies, propitiating a comparative analysis and the emission of critical considerations, that do not finish themselves, but establishes a possibility of different readings concerning the models of social responsible management undertaken by companies from public and private segments.

  2. Finite element analysis and optimization of process parameters during stamp forming of composite materials

    International Nuclear Information System (INIS)

    Venkatesan, S; Kalyanasundaram, S

    2010-01-01

    In the manufacture of parts for high performance structures using composite materials, the quality and robustness of the parts is of utmost importance. The quality of the produced parts depends largely on the process parameters and manufacturing methodologies. This study presents the use of a temperature dependant orthotropic material for a coupled structural-thermal analysis of the stamp forming process. The study investigated the effects of process parameters such as pre-heat temperature, blank holder force and process time on the formability of composite materials. Temperature was found to be the dominant factor governing the formability of the composite material while higher blank holder forces were deemed to be important for achieving high quality of the parts manufactured. Finally, an optimum set of parameters was used to compare the simulations with experimental results using an optical strain measurement system.

  3. Determination of stamp deformation during imprinting on semi-spherical surfaces

    DEFF Research Database (Denmark)

    Kafka, Jan; Matschuk, Maria; Pranov, Henrik

    of sol-gel was applied onto spherical injection mold inserts and subsequently imprinted using a flexible stamp. A hard curing step transformed the sol-gel into a quartz-like and durable material. As an example, we present theory and results regarding the imprint of pillar nanostructures on semi......-spherical mold surfaces. Imprints were realized on three different radii of circumferenceof the spherical mold: R = 0.5 mm, R = 1.0 mm, and R = 2 mm. After hard-curing of theimprinted sol-gel, the inserts were used for cold-mold as well as vario-therm injection molding.The polymer replicas and the inserts were...

  4. Time-stamp correction of magnetic observatory data acquired during unavailability of time-synchronization services

    Science.gov (United States)

    Coïsson, Pierdavide; Telali, Kader; Heumez, Benoit; Lesur, Vincent; Lalanne, Xavier; Jiang Xin, Chang

    2017-09-01

    During magnetic observatory data acquisition, the data time stamp is kept synchronized with a precise source of time. This is usually done using a GPS-controlled pulse per second (PPS) signal. For some observatories located in remote areas or where internet restrictions are enforced, only the magnetometer data are transmitted, limiting the capabilities of monitoring the acquisition operations. The magnetic observatory in Lanzhou (LZH), China, experienced an unnoticed interruption of the GPS PPS starting 7 March 2013. The data logger clock drifted slowly in time: in 6 months a lag of 27 s was accumulated. After a reboot on 2 April 2014 the drift became faster, -2 s per day, before the GPS PPS could be restored on 8 July 2014. To estimate the time lags that LZH time series had accumulated, we compared it with data from other observatories located in East Asia. A synchronization algorithm was developed. Natural sources providing synchronous events could be used as markers to obtain the time lag between the observatories. The analysis of slices of 1 h of 1 s data at arbitrary UTC allowed estimating time lags with an uncertainty of ˜ 11 s, revealing the correct trends of LZH time drift. A precise estimation of the time lag was obtained by comparing data from co-located instruments controlled by an independent PPS. In this case, it was possible to take advantage of spikes and local noise that constituted precise time markers. It was therefore possible to determine a correction to apply to LZH time stamps to correct the data files and produce reliable 1 min averaged definitive magnetic data.

  5. Framework for simulation-driven design of stamping dies considering elastic die and press deformations

    Science.gov (United States)

    Pilthammar, Johan; Wall, Johan; Sigvant, Mats

    2017-10-01

    Sheet metal forming (SMF) simulations are used extensively throughout the development phase of industrial stamping dies. In these SMF simulations, the die and press are normally considered as rigid. Previous research has however shown that elastic deformation in these parts has a significant negative impact on process performance. This paper demonstrates methods for counteracting these negative effects, with a high potential for improved production support and a reduced lead time through a shorter try-out process. A structural finite element model (FE-model) of a simplified die is studied. To account for elastic deformation, the blankholder surfaces are first virtually reworked by adjusting the nodal positions on the die surfaces attaining a pressure distribution in accordance to the design phase SMF simulations with rigid surfaces. The elastic FE-model with reworked surfaces then represents a stamping die in running production. The die is now assumed to be exposed to changed process conditions giving an undesired blankholder pressure distribution. The changed process conditions could for example be due to a change of press line. An optimization routine is applied to compensate the negative effects of the new process conditions. The optimization routine uses the contact forces acting on the shims of the spacer blocks and cushion pins as optimization variables. A flexible simulation environment using MATLAB and ABAQUS is used. ABAQUS is executed from MATLAB and the results are automatically read back into MATLAB. The suggested optimization procedure reaches a pressure distribution very similar to the initial distribution assumed to be the optimum, and thereby verifying the method. Further research is needed for a method to transform the calculated forces in the optimization routine back to shims thicknesses. Furthermore, the optimization time is relatively long and needs to be reduced in the future for the method to reach its full potential.

  6. Recognition of Time Stamps on Full-Disk Hα Images Using Machine Learning Methods

    Science.gov (United States)

    Xu, Y.; Huang, N.; Jing, J.; Liu, C.; Wang, H.; Fu, G.

    2016-12-01

    Observation and understanding of the physics of the 11-year solar activity cycle and 22-year magnetic cycle are among the most important research topics in solar physics. The solar cycle is responsible for magnetic field and particle fluctuation in the near-earth environment that have been found increasingly important in affecting the living of human beings in the modern era. A systematic study of large-scale solar activities, as made possible by our rich data archive, will further help us to understand the global-scale magnetic fields that are closely related to solar cycles. The long-time-span data archive includes both full-disk and high-resolution Hα images. Prior to the widely use of CCD cameras in 1990s, 35-mm films were the major media to store images. The research group at NJIT recently finished the digitization of film data obtained by the National Solar Observatory (NSO) and Big Bear Solar Observatory (BBSO) covering the period of 1953 to 2000. The total volume of data exceeds 60 TB. To make this huge database scientific valuable, some processing and calibration are required. One of the most important steps is to read the time stamps on all of the 14 million images, which is almost impossible to be done manually. We implemented three different methods to recognize the time stamps automatically, including Optical Character Recognition (OCR), Classification Tree and TensorFlow. The latter two are known as machine learning algorithms which are very popular now a day in pattern recognition area. We will present some sample images and the results of clock recognition from all three methods.

  7. Discrimination between authentic and false tax stamps from liquor bottles using laser-induced breakdown spectroscopy and chemometrics

    International Nuclear Information System (INIS)

    Gonzaga, Fabiano Barbieri; Rocha, Werickson Fortunato de Carvalho; Correa, Deleon Nascimento

    2015-01-01

    This work describes the preliminary application of a compact and low-cost laser-induced breakdown spectroscopy (LIBS) instrument for falsification detection of tax stamps used in alcoholic beverages. The new instrument was based on a diode-pumped passively Q-switched Nd:YLF microchip laser and a mini-spectrometer containing a Czerny–Turner polichromator coupled to a non-intensified, non-gated, and non-cooled 2048 pixel linear sensor array (200 to 850 nm spectral range). Twenty-three tax stamp samples were analyzed by firing laser pulses within two different regions of each sample: a hologram and a blank paper region. For each acquired spectrum, the emitted radiation was integrated for 3000 ms under the continuous application of laser pulses at 100 Hz (integration of 300 plasmas). Principal component analysis (PCA) or hierarchical cluster analysis (HCA) of all emission spectra from the hologram or blank paper region revealed two well-defined groups of authentic and false samples. Moreover, for the hologram data, three subgroups of false samples were found. Additionally, partial least squares discriminant analysis (PLS-DA) was successfully applied for the detection of the false tax stamps using all emission spectra from hologram or blank paper region. The discrimination between the samples was mostly ascribed to different levels of calcium concentration in the samples. - Highlights: • Compact and low-cost laser-induced breakdown spectrometer • Analysis of tax stamps used in alcoholic beverages • Detection of false tax stamps using the LIBS spectra and chemometrics • Falsification detection ascribed to different levels of calcium concentration

  8. Discrimination between authentic and false tax stamps from liquor bottles using laser-induced breakdown spectroscopy and chemometrics

    Energy Technology Data Exchange (ETDEWEB)

    Gonzaga, Fabiano Barbieri, E-mail: fbgonzaga@inmetro.gov.br [Chemical Metrology Division, National Institute of Metrology, Quality and Technology (INMETRO), Av. Nossa Senhora das Graças, 50, Xerém, 25250-020 Duque de Caxias, RJ (Brazil); Rocha, Werickson Fortunato de Carvalho [Chemical Metrology Division, National Institute of Metrology, Quality and Technology (INMETRO), Av. Nossa Senhora das Graças, 50, Xerém, 25250-020 Duque de Caxias, RJ (Brazil); Correa, Deleon Nascimento [Technical–Scientific Police Superintendency, Criminalistic Institute Dr. Octávio Eduardo de Brito Alvarenga—IC-SPTC-SP, 05507-060 São Paulo, SP (Brazil)

    2015-07-01

    This work describes the preliminary application of a compact and low-cost laser-induced breakdown spectroscopy (LIBS) instrument for falsification detection of tax stamps used in alcoholic beverages. The new instrument was based on a diode-pumped passively Q-switched Nd:YLF microchip laser and a mini-spectrometer containing a Czerny–Turner polichromator coupled to a non-intensified, non-gated, and non-cooled 2048 pixel linear sensor array (200 to 850 nm spectral range). Twenty-three tax stamp samples were analyzed by firing laser pulses within two different regions of each sample: a hologram and a blank paper region. For each acquired spectrum, the emitted radiation was integrated for 3000 ms under the continuous application of laser pulses at 100 Hz (integration of 300 plasmas). Principal component analysis (PCA) or hierarchical cluster analysis (HCA) of all emission spectra from the hologram or blank paper region revealed two well-defined groups of authentic and false samples. Moreover, for the hologram data, three subgroups of false samples were found. Additionally, partial least squares discriminant analysis (PLS-DA) was successfully applied for the detection of the false tax stamps using all emission spectra from hologram or blank paper region. The discrimination between the samples was mostly ascribed to different levels of calcium concentration in the samples. - Highlights: • Compact and low-cost laser-induced breakdown spectrometer • Analysis of tax stamps used in alcoholic beverages • Detection of false tax stamps using the LIBS spectra and chemometrics • Falsification detection ascribed to different levels of calcium concentration.

  9. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    Chian-Son Yu

    2014-06-01

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

  10. Strategic positioning in banking industry: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Hedieh Mashoof

    2014-08-01

    Full Text Available Strategic positioning has always been a key tool for managers to analyze the position of the firm in different attributes in comparison with competitors. With regard to fierce competition in banking industry, the aim of this study is to analyze the position of Bank Melli Iran with 5 public and private rivals in 6 attributes. The sample of this study was 387 Bank Melli Iran customers. The results of this study were in 14 perceptual maps in which the positions of Bank Melli Iran attributes have been shown compared with bank’s key competitors. The results showed that Bank Melli Iran had strong position and came to the first place in attributes like price, physical equipment and location and security. Moreover, Bank Melli Iran has to improve its position in attributes with no better position.

  11. Global Banking System Regulatory Environment

    Directory of Open Access Journals (Sweden)

    Oleh Mozhovyi

    2017-03-01

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

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

    Science.gov (United States)

    Aznar Lucea, Justo

    2012-01-01

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

  13. Asian development bank: can it become an actual development bank?

    OpenAIRE

    Khan, Haider A.

    2012-01-01

    The Asian Development Bank(ADB) was founded in the mid-sixties. In addition to the Asian countries, it also has members from among the wealthy countries in North America, Europe and Oceania. Over the years, ADB has grown in size and prestige among the regional development banks. As Khan (2004, 2007 and 2012) argues, within a hybrid workable global financial architecture, regional development banks like the ADB can play a constructive role.

  14. The aspects and activities of international banking

    OpenAIRE

    Madzova, Violeta; Davcev, Ljupco

    2012-01-01

    Banking is an information based industry and banks develop relationships with and obtain information on their customers. Following them abroad, therefore, is a motivating factor for banks to continue providing banking services. Liberalization, international trade agreements and reduced trade barriers and more open markets have allowed banks to expand internationally. The range of services that a bank offers results from the strategy and is influenced from the sources of the bank. Intern...

  15. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  16. Determinants of Islamic Banks Acceptance in Oman

    OpenAIRE

    Mohammed, Shariq; Sha, Nadia; Uddin, Mohammed Ahmar

    2017-01-01

    This paper discusses about the inception of Islamic Banking in Oman. This paper would discuss the Islamic Banking Regulatory Framework (IBRF) under which the Islamic banking system is operating. The two full fledged banks which are working in Oman are Alizz Islamic Bank, Bank Nizwa and there are 6 Islamic windows which are working in Oman. The study would be related to the factors which influence the customers’ attraction towards Islamic Banking in Oman.

  17. THE GROWTH OF ISLAMIC BANKING IN INDONESIA

    OpenAIRE

    Fika Fitriasari

    2012-01-01

    This article describes the growth of Islamic banking industry in Indonesia. Islamic banking to perform progressive and strong performance from the banking indicators. Bank Indonesia estimates that the Islamic banking industry will achieve a growth higher than the national banking system in general. In the development of Islamic banking there are still some challenges to be solved especially for a small market share, lack of human resources, and the lack of product developmen...

  18. Systemic Risk, Bank's Capital Buffer, and Leverage

    OpenAIRE

    Wibowo, Buddi

    2017-01-01

    This paper measures individual bank's impact on banking systemic risk and examines the effect of individual bank's capital buffer and leverage to bank's systemic risk impact in Indonesia during 2010-2014. Using Merton's distance-to-default to measure systemic risk, the study shows a significant negative relationship between bank's capital buffer and systemic risk. High capital buffer tends to lowering bank's impact on systemic risk. Bank's leverage level also influences its contribution to sy...

  19. The impact of homeless shelters on food access and choice among homeless families in Minnesota.

    Science.gov (United States)

    Richards, Rickelle; Smith, Chery

    2006-01-01

    To determine how and where homeless families access food, and to determine factors that influence food choice. Seven focus groups (90 minutes each) were conducted by two moderators and audio-taped. Two homeless shelters serving families. Fifty-three parents or guardians (M = 11; F = 42) with children 3-12 years of age. Most participants had completed high school or higher education. Food choice and food access among homeless families. Transcripts evaluated for consistency, coded, and evaluated for dominant themes. Limited cooking and storage space, and poor meal timing and food options at the shelters resulted in participants developing strategies to alleviate hunger. Strategies used to obtain food included using food stamps, stealing food, eating food in grocery stores, pawning personal items, using savvy shopping habits, scavenging in dumpsters (obtaining items such as food from dumpsters), and sacrificing food for children. Homeless families find strategies to prevent food insecurity. Food stamp usage is a common strategy, but it often is insufficient to meet monthly needs, indicating the need for reevaluation of program components. The shelter environment's impact on families' food choices suggests a role for nutritionists in ensuring availability of adequate, nutritious foods. Future research is needed to evaluate the impact of the shelter environment on homeless families' overall nutritional status.

  20. Information technology for brain banking.

    Science.gov (United States)

    Schmitz, Peer

    2018-01-01

    Implementing and maintaining the information technology (IT) infrastructure of a brain bank can be a daunting task for any brain bank coordinator, particularly when access to both funds and IT professionals is limited. Many questions arise when attempting to determine which IT products are most suitable for a brain bank. The requirements of each brain bank must be assessed carefully to ensure that the chosen IT infrastructure will be able to meet those requirements successfully and will be able to expand and adapt as the size of the brain bank increases. This chapter provides some valuable insights to be considered when implementing the IT infrastructure for a brain bank and discusses the pros and cons of various approaches and products. Copyright © 2018 Elsevier B.V. All rights reserved.

  1. BEATING BANKS THROUGH KNOWLEDGE

    Directory of Open Access Journals (Sweden)

    Monica CALU

    2017-05-01

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

  2. Global Banking System Regulatory Environment

    OpenAIRE

    Oleh Mozhovyi; Olena Pavliuk

    2017-01-01

    The international and domestic experience shows that the main factors of financial destabilization during the financial crises are in the banking sector. The article reveals that the vulnerability of the financial system is connected with functions, deposit and credit transactions, risks distribution and ensuring liquidity; banks act as a major factor in stabilisation measures in the current context of globalization processes, since the economic stability of banking activities ...

  3. Banking crises and government intervention

    OpenAIRE

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

    2014-01-01

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

  4. Current trends of banking innovations

    OpenAIRE

    A.M. Karminskiy; O.R. Zhdanova

    2013-01-01

    The current stage of the global banking system development takes place in an increasingly competitive environment and unstable financial markets. One of the key factors of bank's successful development is a policy of continuous innovative behavior. Nowadays innovation is a key factor of bankingnstability, competitiveness and sustainable growth.The aim of the article. The main goal of this article is to examine key trends of banking innovations and innovative in Russia. Experience in the devel...

  5. Bank performance and corporate culture

    OpenAIRE

    Stentella Lopes, F.S.

    2015-01-01

    This thesis has three chapters and focuses on the performance of banks and on corporate culture. The first two chapters focus on bank performance and economic expectations. Specifically, the first chapter sheds light on the consistency between investors’ reaction to merger announcement and bankers’ expectation on merger gains. The second chapter analyses the link between high expectations for future economic success and bank performance. The third chapter focuses on corporate culture and it s...

  6. Sources of Regional Banks Capitalization

    Directory of Open Access Journals (Sweden)

    Olga Sergeevna Miroshnichenko

    2018-03-01

    Full Text Available Searching of sources to increase the capitalization of Russian banks is an important economic problem for both the national and regional economy. Moreover, a strong capital base allows to credit institutions to meet the demands of economic agents for banking service. The research focuses on the choice of sources of regulatory capital for the banks of Tyumen region in the context of changing supervisory requirements in the period of 2005–2016, in different phases of the business cycle. We apply econometric methods of statistical information using IBM SPSS Statistics software. We have calculated the individual correlations of regional banks’ capital with gross domestic product (GDP (excluding gross regional product (GRP and GRP (with the exception of the effect of GDP. These calculations have shown that the capital of regional banks is related only to GDP. The increase in the capital of regional banks is accompanied by a change in its structure: the share of authorized capital has halved, and the share of subordinated debt has grown. All sources of capital, other than the reserve fund, are related to GDP. Authorized capital is associated with the profit of profitable lending institutions; retained earnings in the capital of regional banks — with the aggregated amount of risks of the banking system of the Russian Federation. Subordinated debt, like capital as a whole, is negatively affected by the profitability of the banking sector. The change in the capital of regional banks is determined by the change in retained earnings, subordinated debt and reserve fund. Modelling of these relations has allowed to obtain a system of equations. This system synthesizes linear regression models of changing the capital of regional banks in the context of their sourcing. The results of this study are significant for theoretical justification and practical development of a balanced financial policy of regional banks. Our research will contribute to

  7. 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...

  8. Tissue bank: Sri Lanka

    International Nuclear Information System (INIS)

    2003-01-01

    Human degenerative diseases and congenital defects are common throughout the world. Many people suffer also from burns, fractures and nerve damage resulting from traumatic accidents and outbreaks of violence which occur all too frequently, especially in poorer countries. Far too many people are impaired for life because they have no access to treatment or simply cannot afford it. The Department of Technical Co-operation is sponsoring a programme, with technical support from the Division of Nuclear Medicine, to improve facilities at the Sri Lanka Tissue Bank. (IAEA)

  9. Image data bank

    International Nuclear Information System (INIS)

    Bacigalupo, J.; Guillen, G.; Gerez, J.

    1998-01-01

    A project intending to demonstrate the factibility of an image data bank using the commonly available technology was designed.Images obtained in a digital way were classified and stored in an informatics network.An electronic archive focusing the critical care aspects and suitable for clinical use was created.Utilizing the resources of our own and with no high cost in money.Updating a digital medical imagery system is possible with local resources.Modernization in information management is possible in the intensive Care Medicine areas

  10. National serum bio bank

    International Nuclear Information System (INIS)

    Poli, F.; Facchiano, F.

    2009-01-01

    The Italian Bio bank is hosted at 'Ospedale Maggiore. Policlinico' of Milan. This structure occupies an area of 300 sq meters and includes laboratories and a cryogenic area. This facility has been built a in compliance with the standards defined by the Foundation for Accreditation of Cellular Therapy (FACT) mostly related to adequacy of spaces, equipment and governmental and institutional policies for bio safety. The Cryogenic area follows written procedures in the event of an ambient disaster and for safety personnel and of the samples stored

  11. The ENZYME data bank.

    Science.gov (United States)

    Bairoch, A

    1994-09-01

    The ENZYME data bank is a repository of information relative to the nomenclature of enzymes. It is primarily based on the recommendations of the Nomenclature Committee of the International Union of Biochemistry and Molecular Biology (IUBMB) and it contains the following data for each type of characterized enzyme for which an EC (Enzyme Commission) number has been provided: EC number Recommended name Alternative names (if any) Catalytic activity Cofactors (if any) Pointers to the SWISS-PROT protein sequence entrie(s) that correspond to the enzyme (if any) Pointers to human disease(s) associated with a deficiency of the enzyme (if any).

  12. Fractional Reserve Banking

    OpenAIRE

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

    2012-01-01

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

  13. Jordan Banks Financial Soundness Indicators

    Directory of Open Access Journals (Sweden)

    Imad Kutum

    2015-09-01

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

  14. Breaking e-Banking CAPTCHAs

    OpenAIRE

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

    2010-01-01

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

  15. Banking industry liberalisation in Ghana

    Directory of Open Access Journals (Sweden)

    Elvis A. Adjei

    2012-04-01

    Full Text Available Economic liberalisation is characterised by the entry of foreign companies and the emergence of new domestic institutions to compete with the existing institutions of lending, and there is a view that the process leads to greater efficiency, especially because foreign banks bring new expertise. Extracting information from accounts lodged with Ghana Central Bank, this paper ranks the cost efficiency of banks, Theil decomposition of the cost efficiency scores allows for a comparison of performance between banks under different types of ownership. There is pronounced differences in efficiency scores within and between groups by type of ownership, but foreign ownership, per se, is not the determining factor.

  16. Linear programming can help identify practical solutions to improve the nutritional quality of food aid.

    OpenAIRE

    Rambeloson, ZJ; Darmon, N; Ferguson, EL

    2007-01-01

    : To assess the nutritional quality of food aid delivered by food banks in France and to identify practical modifications to improve it. : National-level data were collected for all food aid distributed by French food banks in 2004, and its nutrient content per 2000 kcal was estimated and compared with French recommendations for adults. Starting with the actual donation and allowing new foods into the food aid donation, linear programming was used to identify the minimum changes required in t...

  17. Studies of OC-STAMP in Osteoclast Fusion: A New Knockout Mouse Model, Rescue of Cell Fusion, and Transmembrane Topology.

    Directory of Open Access Journals (Sweden)

    Hanna Witwicka

    Full Text Available The fusion of monocyte/macrophage lineage cells into fully active, multinucleated, bone resorbing osteoclasts is a complex cell biological phenomenon that utilizes specialized proteins. OC-STAMP, a multi-pass transmembrane protein, has been shown to be required for pre-osteoclast fusion and for optimal bone resorption activity. A previously reported knockout mouse model had only mononuclear osteoclasts with markedly reduced resorption activity in vitro, but with paradoxically normal skeletal micro-CT parameters. To further explore this and related questions, we used mouse ES cells carrying a gene trap allele to generate a second OC-STAMP null mouse strain. Bone histology showed overall normal bone form with large numbers of TRAP-positive, mononuclear osteoclasts. Micro-CT parameters were not significantly different between knockout and wild type mice at 2 or 6 weeks old. At 6 weeks, metaphyseal TRAP-positive areas were lower and mean size of the areas were smaller in knockout femora, but bone turnover markers in serum were normal. Bone marrow mononuclear cells became TRAP-positive when cultured with CSF-1 and RANKL, but they did not fuse. Expression levels of other osteoclast markers, such as cathepsin K, carbonic anhydrase II, and NFATc1, were not significantly different compared to wild type. Actin rings were present, but small, and pit assays showed a 3.5-fold decrease in area resorbed. Restoring OC-STAMP in knockout cells by lentiviral transduction rescued fusion and resorption. N- and C-termini of OC-STAMP were intracellular, and a predicted glycosylation site was shown to be utilized and to lie on an extracellular loop. The site is conserved in all terrestrial vertebrates and appears to be required for protein stability, but not for fusion. Based on this and other results, we present a topological model of OC-STAMP as a 6-transmembrane domain protein. We also contrast the osteoclast-specific roles of OC- and DC-STAMP with more generalized

  18. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

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

  19. Fraud and Fraudulent Practices in Nigeria Banking

    African Journals Online (AJOL)

    FIRST LADY

    recommendations targeting at reducing fraud and forgeries in the Nigerian banking industry. Key Words: Fraud, Bank Failure, Forgeries and Embezzlement. Introduction. Banks and non-bank financial institutions jointly constituting the financial industry of any economy however, the banking system comprises the major.

  20. Online Banking Customers: Insights from Germany

    OpenAIRE

    Sven Christian Berger; Sonja Gensler

    2007-01-01

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

  1. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

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

  2. Recent trends in cross-border banking

    NARCIS (Netherlands)

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

    2017-01-01

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

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

    NARCIS (Netherlands)

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

    2016-01-01

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

  4. 40 CFR 91.205 - Banking.

    Science.gov (United States)

    2010-07-01

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

  5. Using Banks: Teaching Banking Skills to Low-Income Consumers.

    Science.gov (United States)

    Shurtz, Mary Ann; LeFlore, Ann Becker

    This module, one of six on teaching consumer matters to low-income adults, discusses banking skills. Topics include banking services (savings accounts, safety deposit boxes, Christmas clubs, loans, etc.), checking accounts (deposits, checkwriting, check registers, opening an account), how to use the check register (cancelled checks, deposits),…

  6. Universal banking and the Nigerian banking sector | Osamwonyi ...

    African Journals Online (AJOL)

    In this study we propose that there is a positive relationship between the variables (growth, effective customer service, size of a bank) and universal banking in Nigeria. In support of this proposition, we employed empirical evidence in the investigation. From the result, it was discovered that the size (net assets and market ...

  7. Determinants of International Banking: Evidence from the World's Largest Banks

    NARCIS (Netherlands)

    Schoenmaker, D.; van Laecke, C.

    2007-01-01

    : Banks have expanded their foreign activities due to deregulation and advances in technology. Using a new approach, we measure the level of internationalization of the world's largest commercial banks. The degree of internationalization is found to be uneven across the three main continents.

  8. Educación para el Desarrollo Sostenible en asignaturas de Dirección de Operaciones. El caso del Banco de Alimentos de La Rioja. (Education for Sustainable Development in Operations Management subjects. The case of the Food Bank of the Rioja

    Directory of Open Access Journals (Sweden)

    Dolores Queiruga

    2015-07-01

    Full Text Available La Educación para el Desarrollo Sostenible a nivel universitario implica alcanzar ciertas competencias como responsabilidad o involucración personal en temas sociales. En este trabajo presentamos una práctica en la asignatura de Organización de la Producción de dos titulaciones: Grado en Ingeniería y Grado en Relaciones Laborales y Recursos Humanos, de La Universidad de La Rioja. Para ello, utilizamos cuatro actividades docentes, aplicadas al caso del Banco de Alimentos. Estas son: visita guiada al almacén, ejercicio en el aula de informática con aprendizaje cooperativo, exposición oral (con coevaluación mediante una rúbrica y participación voluntaria en una campaña de recogida de alimentos.Education for Sustainable Development at university level involves achieving certain skills as liability or personal involvement in social issues. We present a practice in the subject of Operations Management two degrees: Engineering and Labor Relations and Human Resources, at University of La Rioja. To do this, we use four teaching activities, applied to the case of the Food Bank. These are: guided tour of the storehouse, practical lesson in the computer room with cooperative learning, oral presentation (with peer assessment using a rubric and voluntary participation in a campaign to collect food.

  9. How much is Banking Secrecy worth? The case of Swiss Banks

    OpenAIRE

    Ziegler, Alexandre

    2011-01-01

    We use an early episode of negotiations between Switzerland and the European Union to investigate the value of banking secrecy for four Swiss banks: two universal banks and two private banks. We nd that the value of banking secrecy to private banks is large, accounting for at least 8 to 14% of their market value. Perhaps surprisingly, banking secrecy appears to account for only a very small fraction of the market value of the universal banks.

  10. The Great Lakes Fisheries Specimen Bank: a Canadian perspective in environmental specimen banking.

    Science.gov (United States)

    Kiriluk, R M; Whittle, D M; Keir, M J; Carswell, A A; Huestis, S Y

    1997-05-01

    Since 1977 the Canadian Department of Fisheries and Oceans (DFO) has maintained a specimen bank for retrospective chemical analyses. The Great Lakes Fisheries Specimen Bank (GLFSB) is a complementary activity to the department's ongoing Great Lakes Contaminants Surveillance Program that has annually, since 1977, monitored levels of metals and organochlorines in aquatic biota throughout the Canadian Great Lakes. Past activities have focused on defining the effects of long-term frozen storage on the integrity of organochlorine residues in archived biological tissues. Archived samples have been reanalyzed for total PCBs, PCB congeners including co-planar PCBs, dioxin and furan isomers, and 22 toxaphene congeners. More recently, archived samples of predatory fish have been analyzed for stable isotopes of nitrogen (delta 15N) and carbon (delta 13C), as indicators of historical changes in food web dynamics. A catalogue or user-guide has recently been completed describing all information associated with samples stored in the GLFSB.

  11. 78 FR 97 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-02

    ... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors that are...

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

    OpenAIRE

    Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi

    2015-01-01

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

  13. Bank capital management : International evidence

    NARCIS (Netherlands)

    De Jonghe, O.G.; Öztekin, Ö.

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

  14. BioMagResBank.

    NARCIS (Netherlands)

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

    2008-01-01

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

  15. The Dutch Banking Chipcard Game

    NARCIS (Netherlands)

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

    2001-01-01

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

  16. Protection of large capacitor banks

    International Nuclear Information System (INIS)

    Sprott, J.C.; Lovell, T.W.

    1982-06-01

    Large capacitor banks, as used in many pulsed plasma experiments, are subject to catastrophic failure in the event of a short in the output or in an individual capacitor. Methods are described for protecting such banks to minimize the damage and down-time caused by such a failure

  17. Liquidity regulation and bank behavior

    NARCIS (Netherlands)

    Bonner, C.

    2014-01-01

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

  18. Determinants of Iranian bank profitability

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-04-01

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

  19. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

    outcomes in the money market. The third, "Collateralized Lending and Central Bank Collateral Policy", considers the emergence of credit constraints under collateralized lending, and how central banks use collateral policy to mitigate these constraints. While the chapters can be read independently...

  20. Bank performance and corporate culture

    NARCIS (Netherlands)

    Stentella Lopes, F.S.

    2015-01-01

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