75 FR 26759 - Health Care Integrity and Protection Data Bank (HIPDB) and National Practitioner Data Bank (NPDB...

Science.gov (United States)

2010-05-12

... Integrity and Protection Data Bank (HIPDB) and National Practitioner Data Bank (NPDB): Public Posting of Non... HRSA and Data Bank Web sites ( http://www.hrsa.gov and http://www.npdb-hipdb.hrsa.gov ) by July 1, 2010... publication of a public report that identifies those Government agencies that have failed to report...

75 FR 22723 - Stream Protection Rule; Environmental Impact Statement

Science.gov (United States)

2010-04-30

..., 784, 816, and 817 RIN 1029-AC63 Stream Protection Rule; Environmental Impact Statement AGENCY: Office... streams from the adverse impacts of surface coal mining operations. We are requesting comments for the... mining activities may be conducted in or near perennial or intermittent streams. That rule, which this...

Detecting the impact of bank and channel modification on invertebrate communities in Mediterranean temporary streams (Sardinia, SW Italy).

Science.gov (United States)

Buffagni, Andrea; Tenchini, Roberta; Cazzola, Marcello; Erba, Stefania; Balestrini, Raffaella; Belfiore, Carlo; Pagnotta, Romano

2016-09-15

We hypothesized that reach-scale, bank and channel modification would impact benthic communities in temporary rivers of Sardinia, when pollution and water abstraction are not relevant. A range of variables were considered, which include both artificial structures/alterations and natural features observed in a stream reach. Multivariate regression trees (MRT) were used to assess the effects of the explanatory variables on invertebrate assemblages and five groups, characterized by different habitat modification and/or features, were recognized. Four node variables determined the splits in the MRT analysis: channel reinforcement, tree-related bank and channel habitats, channel modification and bank modification. Continuity of trees in the river corridor diverged among MRT groups and significant differences among groups include presence of alders, extent of channel shading and substrate diversity. Also, the percentage of in-stream organic substrates, in particular CPOM/Xylal, showed highly significant differences among groups. For practical applications, thresholds for the extent of channel reinforcement (40%) and modification (10%) and for bank alteration (≈30%) were provided, that can be used to guide the implementation of restoration measures. In moderately altered river reaches, a significant extent of tree-related habitats (≈5%) can noticeably mitigate the effects of morphological alteration on aquatic invertebrates. The outcomes highlight the importance of riparian zone management as an opportune, achievable prospect in the restoration of Mediterranean temporary streams. The impact of bank and channel modification on ecological status (sensu WFD) was investigated and the tested benthic metrics, especially those based on abundance data, showed legible differences among MRT groups. Finally, bank and channel modification appears to be a potential threat for the conservation of a few Sardo-Corsican endemic species. The introduction of management criteria that

Protective systems and its protective switching elements on local failures of large slow-capacitor bank system

International Nuclear Information System (INIS)

Hasegawa, Mitsuo; Inoue, Kunikazu; Ueno, Isao.

1994-01-01

In various applications of pulsed power technologies, large capacitor bank systems are used to feed high current impulse to different experimental devices. The accidental electric breakdown in one of the capacitors in a parallel connection of the large bank may result in serious damages such as mechanical explosion and oil effusion or fire. In most fast banks, each unit capacitor has an output gap switch, which is expected to decouple the capacitors one another. However, no such special element is adopted usually in the slow bank system, partly because of the economical consideration. We have developed a novel and inexpensive protective element for these relatively slow capacitor banks, utilizing a concept of the enclosed type of the fast breakers. The principle of the operation of the protection elements is verified by a simulation experiment. Their practical effectiveness is also successfully demonstrated in the application to the system of the pulsed high magnetic field generator. (author)

The protection of a consumer during the providing of banking services in the Czech Republic

OpenAIRE

Haasová, Eva

2010-01-01

The Bachelor's thesis describes and analyses the protection of a bank client. In the beginning I discuss the necessity of the institution of consumer's protection define the basic terms and describe the structure of the system of consumer's protection. Then, I depict the basic elements of the consumer's protection, the requirements to banks, the duty to provide information, the protection of personal data, the bank secret and the deposit insurance. After these I concentrate on the analysis of...

Effects of Bank Vegetation and Incision on Erosion Rates in an Urban Stream

Directory of Open Access Journals (Sweden)

Emily Arnold

2018-04-01

Full Text Available Changing land-use associated with urbanization has resulted in shifts in riparian assemblages, stream hydraulics, and sediment dynamics leading to the degradation of waterways. To combat degradation, restoration and management of riparian zones is becoming increasingly common. However, the relationship between flora, especially the influence of invasive species, on sediment dynamics is poorly understood. Bank erosion and turbidity were monitored in the Tookany Creek and its tributary Mill Run in the greater Philadelphia, PA region. To evaluate the influence of the invasive species Reynoutria japonica (Japanese knotweed on erosion, reaches were chosen based on their riparian vegetation and degree of incision. Bank pins and turbidity loggers were used to estimate sediment erosion. Erosion calculations based on bank pins suggest greater erosion in reaches dominated by knotweed than those dominated by trees. For a 9.5-month monitoring period, there was 29 cm more erosion on banks that were also incised, and 9 cm more erosion in banks with little incision. Turbidity responses to storm events were also higher (77 vs. 54 NTU (nephelometric turbidity unit in reaches with knotweed, although this increase was found when the reach dominated by knotweed was also incised. Thus, this study linked knotweed to increased erosion using multiple methods.

45 CFR 61.14 - Confidentiality of Healthcare Integrity and Protection Data Bank information.

Science.gov (United States)

2010-10-01

... 45 Public Welfare 1 2010-10-01 2010-10-01 false Confidentiality of Healthcare Integrity and Protection Data Bank information. 61.14 Section 61.14 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION HEALTHCARE INTEGRITY AND PROTECTION DATA BANK FOR FINAL ADVERSE INFORMATION ON...

A chaotic stream cipher and the usage in video protection

International Nuclear Information System (INIS)

Lian Shiguo; Sun Jinsheng; Wang Jinwei; Wang Zhiquan

2007-01-01

In this paper, a chaotic stream cipher is constructed and used to encrypt video data selectively. The stream cipher based on a discrete piecewise linear chaotic map satisfies the security requirement of cipher design. The video encryption scheme based on the stream cipher is secure in perception, efficient and format compliant, which is suitable for practical video protection. The video encryption scheme's performances prove the stream cipher's practicability

Application of ecohydraulic bank protection model to improve river bank stability and biotic community in Surabaya River

Directory of Open Access Journals (Sweden)

Daru Setyo Rini

2017-10-01

Full Text Available Ecohydraulic river bank protection design was developed as ECO-RIPRAP model and has been applied along 100 meter length to restore accelerated erosion sites in Surabaya River at Wringinanom and Klubuk. The model combined re-profiled and re-vegetated bank with rock toe reinforcement and addition of log groynes at 10 meter length interval. Various native plant species were planted on bank slopes, including water plants Ipomoea aquatica and Pistia stratiotes, grasses and shrubs Ipomoea carnea, Pluchea indica, Saccharum spontaneum, Arundo donax, and native tree species Ficus glomerata, Bambusa arundinacea, Dendrocalamus asper, Bambusa vulgaris, Ficus benjamina, Dillenia indica, Psidium guajava, Arthocarpus camansi, Arthocarpus elasticus, Hibiscus mutabilis, Nauclea sp., Inocarpus edulis, and Syzygium polyanthum. The river bank morphology after ECO-RIPRAP application showed alteration from erosion to sedimentation due to rock toe enforcement, log groynes protection, and increase of plant cover on littoral banks that decreased near bank velocity. The macro-invertebrate community shown increase of taxa richness, EPT richness, %EPT and %Atyidae, but decrease of %Chironomidae at restored sites. The fish community shown increase of taxa richness, increase of abundance by 54.2%, increase of Pangasius micronemus abundance by 25.6%, and increase of Hemibragus nemurus abundance by 6.3 % at restored reach. Rare fish species thrive back at restored area, namely Oxyeleotris marmorata, Mastacembelus unicolor and Hampala macrolepidota.

Deformation analysis and prediction of bank protection structure with river level fluctuations

Science.gov (United States)

Hu, Rui; Xing, Yixuan

2017-04-01

Bank structure is an important barrier to maintain the safety of the embankment. The deformation of bank protection structure is not only affected by soil pressure caused by the excavation of the riverway, but also by the water pressure caused river water level fluctuations. Thus, it is necessary to establish a coupled soil-water model to analyze the deformation of bank structure. Based on Druck-Prager failure criteria and groundwater seepage theory, a numerical model of bank protection structure with consideration of the pore water pressure of soil mass is established. According to the measured river level data with seasonal fluctuating, numerical analysis of the deformation of bank protection structure is implemented. The simulation results show that the river water level fluctuation has clear influence on the maximum lateral displacement of the pile. Meanwhile, the distribution of plastic zone is related to the depth of groundwater level. Finally, according to the river water level data of the recent ten years, we analyze the deformation of the bank structure under extreme river level. The result shows that, compared with the scenario of extreme high river level, the horizontal displacement of bank protection structure is larger (up to 65mm) under extreme low river level, which is a potential risk to the embankment. Reference Schweiger H F. On the use of drucker-prager failure criteria for earth pressure problems[J]. Computers and Geotechnics, 1994, 16(3): 223-246. DING Yong-chun，CHENG Ze-kun. Numerical study on performance of waterfront excavation[J]. Chinese Journal of Geotechnical Engineering，2013，35(2):515-521. Wu L M, Wang Z Q. Three gorges reservoir water level fluctuation influents on the stability of the slope[J]. Advanced Materials Research. Trans Tech Publications, 2013, 739: 283-286.

45 CFR 61.12 - Requesting information from the Healthcare Integrity and Protection Data Bank.

Science.gov (United States)

2010-10-01

... 45 Public Welfare 1 2010-10-01 2010-10-01 false Requesting information from the Healthcare Integrity and Protection Data Bank. 61.12 Section 61.12 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION HEALTHCARE INTEGRITY AND PROTECTION DATA BANK FOR FINAL ADVERSE INFORMATION...

Stability evaluation of modernized bank protections in a culvert construction

Science.gov (United States)

Cholewa, Mariusz; Plesiński, Karol; Kamińska, Katarzyna; Wójcik, Izabela

2018-02-01

The paper presents stability evaluation of the banks of the Wilga River on a chosen stretch in Koźmice Wielkie, Małopolska Province. The examined stretch included the river bed upstream from the culvert on a district road. The culvert construction, built over four decades ago, was disassembled in 2014. The former construction, two pipes that were 1.4 m in diameter, was entirely removed. The investor decided to build a new construction in the form of insitu poured reinforced concrete with a 4 x 2 m cross section. Change of geometry and different location in relation to the river current caused increase in the flow velocity and, as a consequence, erosion of both protected and natural banks. Groundwater conditions were determined based on the geotechnical tests that were carried out on soil samples taken from the banks and the river bed. Stability calculations of natural slopes of the Wilga River and the ones protected with riprap indicate mistakes in the design project concerning construction of the river banks. The purpose of the study was to determine the stability of the Wilga River banks on a selected section adjacent to the rebuilt culvert. Stability of a chosen cross section was analysed in the paper. Presented conclusions are based on the results of geotechnical tests and numerical calculations.

Flow behaviour, suspended sediment transport and transmission losses in a small (sub-bank-full) flow event in an Australian desert stream

Science.gov (United States)

Dunkerley, David; Brown, Kate

1999-08-01

The behaviour of a discrete sub-bank-full flow event in a small desert stream in western NSW, Australia, is analysed from direct observation and sediment sampling during the flow event and from later channel surveys. The flow event, the result of an isolated afternoon thunderstorm, had a peak discharge of 9 m3/s at an upstream station. Transmission loss totally consumed the flow over the following 7·6 km. Suspended sediment concentration was highest at the flow front (not the discharge peak) and declined linearly with the log of time since passage of the flow front, regardless of discharge variation. The transmission loss responsible for the waning and eventual cessation of flow occurred at a mean rate of 13.2% per km. This is quite rapid, and is more than twice the corresponding figure for bank-full flows estimated by Dunkerley (1992) on the same stream system. It is proposed that transmission losses in ephemeral streams of the kind studied may be minimized in flows near bank-full stage, and be higher in both sub-bank-full and overbank flows. Factors contributing to enhanced flow loss in the sub-bank-full flow studied included abstractions of flow to pools, scour holes and other low points along the channel, and overflow abstractions into channel filaments that did not rejoin the main flow. On the other hand, losses were curtailed by the shallow depth of banks wetted and by extensive mud drapes that were set down over sand bars and other porous channel materials during the flow. Thus, in contrast with the relatively regular pattern of transmission loss inferred from large floods, losses from low flows exhibit marked spatial variability and depend to a considerable extent on streamwise variations in channel geometry, in addition to the depth and porosity of channel perimeter sediments.

A novel chaotic stream cipher and its application to palmprint template protection

International Nuclear Information System (INIS)

Heng-Jian, Li; Jia-Shu, Zhang

2010-01-01

Based on a coupled nonlinear dynamic filter (NDF), a novel chaotic stream cipher is presented in this paper and employed to protect palmprint templates. The chaotic pseudorandom bit generator (PRBG) based on a coupled NDF, which is constructed in an inverse flow, can generate multiple bits at one iteration and satisfy the security requirement of cipher design. Then, the stream cipher is employed to generate cancelable competitive code palmprint biometrics for template protection. The proposed cancelable palmprint authentication system depends on two factors: the palmprint biometric and the password/token. Therefore, the system provides high-confidence and also protects the user's privacy. The experimental results of verification on the Hong Kong PolyU Palmprint Database show that the proposed approach has a large template re-issuance ability and the equal error rate can achieve 0.02%. The performance of the palmprint template protection scheme proves the good practicability and security of the proposed stream cipher. (general)

A novel chaotic stream cipher and its application to palmprint template protection

Science.gov (United States)

Li, Heng-Jian; Zhang, Jia-Shu

2010-04-01

Based on a coupled nonlinear dynamic filter (NDF), a novel chaotic stream cipher is presented in this paper and employed to protect palmprint templates. The chaotic pseudorandom bit generator (PRBG) based on a coupled NDF, which is constructed in an inverse flow, can generate multiple bits at one iteration and satisfy the security requirement of cipher design. Then, the stream cipher is employed to generate cancelable competitive code palmprint biometrics for template protection. The proposed cancelable palmprint authentication system depends on two factors: the palmprint biometric and the password/token. Therefore, the system provides high-confidence and also protects the user's privacy. The experimental results of verification on the Hong Kong PolyU Palmprint Database show that the proposed approach has a large template re-issuance ability and the equal error rate can achieve 0.02%. The performance of the palmprint template protection scheme proves the good practicability and security of the proposed stream cipher.

PROTECTIVE GUARANTEES AND OTHER REQUIREMENTS TO STRENGTHEN DEVELOPMENT OF THE BANK-CUSTOMER CONTRACTUAL RELATIONSHIP

Directory of Open Access Journals (Sweden)

MEDAR LUCIAN-ION

2013-02-01

Full Text Available Contractual relationships between individuals and credit institutions are increasingly lower in the sphere of lendingactivity. Implementation of the new Civil Procedure Code starting with February, 2013, strengthened even moreconsumer protection which has disturbed some commercial banks. Trust between banks and customers is an essentialrequirement for developing banking businesses. As a result of occurrence of new legislation is necessary to know themain elements that strengthen bank-client contractual relationship.

Flume experiments on scour downstream of wood stream restoration structures

Science.gov (United States)

Pagliara, Stefano; Kurdistani, Sahameddin Mahmoudi

2017-02-01

River restoration aims to improve physical natural form and processes of a river. Techniques to control the riverbed, stabilize channel alignment, protect stream banks, and rebuild the natural habitat are an important part of river restoration projects. Rivers can be stabilized and habitat restored through techniques such as rebuilding meanders and pool-riffle sequences and managing large wood. Structures that limit channel width to accelerate the normal flows through the constricted section are referred to as stream deflectors. Single-wing, double-wing and triangular deflectors are the most commonly used types of this measure. Log-frame deflectors consist of a triangular log frame filled with rock. Deflector constructions singly or in series in low gradient meandering streams, divert base flows toward the center of the channel and, under certain conditions, increase the depth and velocity of flow thereby creating scour pools and enhancing fish habitat. Scour characteristics and morphologies downstream of log-frame deflectors have been analyzed at the hydraulic laboratory of the University of Pisa. All experiments have been carried out in clear water conditions. The results showed that the tailwater depth plays an important role on scour characteristics. In addition, it was experimentally proven that using log-frame deflectors instead of log-deflectors result in a better river bank protection. In this case, for all the tested hydraulic conditions, the scour hole never occurred close to the channel bank. Useful empirical relationships have been proposed in order to evaluate the main features of the scour geometry.

Cyber threats and responses in the banking sector

CSIR Research Space (South Africa)

Strauss

2017-10-01

Full Text Available stream_source_info Strauss_CSIR2017.pdf.txt stream_content_type text/plain stream_size 5207 Content-Encoding UTF-8 stream_name Strauss_CSIR2017.pdf.txt Content-Type text/plain; charset=UTF-8 CSIR Conference Cyber... Threats and Responses in the banking sector Paul Strauss Chief Information Risk Officer October 2017 CSIR / Standard Bank / page 2 Cyber Risk Drivers 4% of www content Academic Information Medical Records Legal Documents Scientific...

45 CFR 61.15 - How to dispute the accuracy of Healthcare Integrity and Protection Data Bank information.

Science.gov (United States)

2010-10-01

... 45 Public Welfare 1 2010-10-01 2010-10-01 false How to dispute the accuracy of Healthcare Integrity and Protection Data Bank information. 61.15 Section 61.15 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION HEALTHCARE INTEGRITY AND PROTECTION DATA BANK FOR FINAL ADVERSE...

Vegetated Riprap Installation Techniques for Steambank Protection, Fish and Wildlife Habitat Creation

Science.gov (United States)

Raymond, Pierre

2014-05-01

Vegetated riprap is a cost effective alternative to conventional riprap erosion protection. Terra Erosion Control has experimented with the vegetation of riprap over the past ten years. As a result we have adapted a technique that can successfully establish vegetation during the installation of riprap structures. This presentation will demonstrate innovative ways of installing vegetated riprap for the protection of access roads on industrial sites and urban infrastructure such as storm water outfalls, bridge approaches and pedestrian pathways within public areas. This vegetation will provide additional bank protection, soften the rock appearance and enhance fish, wildlife and urban habitat along the shoreline. Vegetated riprap incorporates a combination of rock and native vegetation in the form of live cuttings. These are planted in conjunction with the placement of rock used to armour the banks of watercourses. Establishment of native vegetation will improve fish habitat by creating shade, cover and an input of small organic debris to stream banks. In most cases it will negate the need for the regulator (Canadian Department of Fisheries and Oceans) to require habitat alteration compensation. It will also provide added bank protection through the development of root mass. Adding vegetation to riprap provides a softer, more natural appearance to the installed rocks. This presentation will detail the processes involved in the installation of vegetated riprap such as the harvesting and soaking of live material, site preparation of the stream bank, placement of riprap in conjunction with live material and the use of burlap/coir fabric and soil amendments. It will also discuss the innovative method of using wooden boards to protect live cuttings during construction and to direct precipitation and/or irrigation water to the root zone during the establishment phase of the vegetation. These boards will eventually biodegrade within the rock. This approach was applied over

Lead mobilisation in the hyporheic zone and river bank sediments of a contaminated stream. Contribution to diffuse pollution

Energy Technology Data Exchange (ETDEWEB)

Palumbo-Roe, Barbara; Wragg, Joanna; Banks, Vanessa J. [British Geological Survey, Keyworth Nottingham (United Kingdom)

2012-12-15

Purpose: Past metal mining has left a legacy of highly contaminated sediments representing a significant diffuse source of contamination to water bodies in the UK and worldwide. This paper presents the results of an integrated approach used to define the role of sediments in contributing to the dissolved lead (Pb) loading to surface water in a mining-impacted catchment. Materials and methods: The Rookhope Burn catchment, northern England, UK is affected by historical mining and processing of lead ore. Quantitative geochemical loading determinations, measurements of interstitial water chemistry from the stream hyporheic zone and inundation tests of bank sediments were carried out. Results and discussion: High concentrations of Pb in the sediments from the catchment, identified from the British Geological Survey Geochemical Baseline Survey of the Environment (GBASE) data, demonstrate both the impact of mineralisation and widespread historical mining. The results from stream water show that the stream Pb load increased in the lower part of the catchment, without any apparent or significant contribution of point sources of Pb to the stream. Relative to surface water, the interstitial water of the hyporheic zone contained high concentrations of dissolved Pb in the lower reaches of the Rookhope Burn catchment, downstream of a former mine washing plant. Concentrations of 56 {mu}g l{sup -1} of dissolved Pb in the interstitial water of the hyporheic zone may be a major cause of the deterioration of fish habitats in the stream and be regarded as a serious risk to the target of good ecological status as defined in the European Water Framework Directive. Inundation tests provide an indication that bank sediments have the potential to contribute dissolved Pb to surface water. Conclusions: The determination of Pb in the interstitial water and in the inundation water, taken with water Pb mass balance and sediment Pb distribution maps at the catchment scale, implicate the

Considerations Regarding the Security and Protection of E-Banking Services Consumers’ Interests

OpenAIRE

Marinela Vrancianu; Liana Anica Popa

2010-01-01

A significant number of breaches in the security of electronic banking (e-Banking) system is reported each year, drawing attention to the need to protect and inform customers about the risk of exposure to malicious actions initiated by cyber-criminals. Financial institutions and consumers recognize the fact that attacks and financial frauds are becoming more complex and are perpetrated by a different class of criminal. This class is increasingly sophisticated and uses technology as part of th...

Stream water temperature limits occupancy of salamanders in mid-Atlantic protected areas

Science.gov (United States)

Grant, Evan H. Campbell; Wiewel, Amber N. M.; Rice, Karen C.

2014-01-01

Stream ecosystems are particularly sensitive to urbanization, and tolerance of water-quality parameters is likely important to population persistence of stream salamanders. Forecasted climate and landscape changes may lead to significant changes in stream flow, chemical composition, and temperatures in coming decades. Protected areas where landscape alterations are minimized will therefore become increasingly important for salamander populations. We surveyed 29 streams at three national parks in the highly urbanized greater metropolitan area of Washington, DC. We investigated relationships among water-quality variables and occupancy of three species of stream salamanders (Desmognathus fuscus, Eurycea bislineata, and Pseudotriton ruber). With the use of a set of site-occupancy models, and accounting for imperfect detection, we found that stream-water temperature limits salamander occupancy. There was substantial uncertainty about the effects of the other water-quality variables, although both specific conductance (SC) and pH were included in competitive models. Our estimates of occupancy suggest that temperature, SC, and pH have some importance in structuring stream salamander distribution.

Toward Design Guidelines for Stream Restoration Structures: Measuring and Modeling Unsteady Turbulent Flows in Natural Streams with Complex Hydraulic Structures

Science.gov (United States)

Lightbody, A.; Sotiropoulos, F.; Kang, S.; Diplas, P.

2009-12-01

Despite their widespread application to prevent lateral river migration, stabilize banks, and promote aquatic habitat, shallow transverse flow training structures such as rock vanes and stream barbs lack quantitative design guidelines. Due to the lack of fundamental knowledge about the interaction of the flow field with the sediment bed, existing engineering standards are typically based on various subjective criteria or on cross-sectionally-averaged shear stresses rather than local values. Here, we examine the performance and stability of in-stream structures within a field-scale single-threaded sand-bed meandering stream channel in the newly developed Outdoor StreamLab (OSL) at the St. Anthony Falls Laboratory (SAFL). Before and after the installation of a rock vane along the outer bank of the middle meander bend, high-resolution topography data were obtained for the entire 50-m-long reach at 1-cm spatial scale in the horizontal and sub-millimeter spatial scale in the vertical. In addition, detailed measurements of flow and turbulence were obtained using acoustic Doppler velocimetry at twelve cross-sections focused on the vicinity of the structure. Measurements were repeated at a range of extreme events, including in-bank flows with an approximate flow rate of 44 L/s (1.4 cfs) and bankfull floods with an approximate flow rate of 280 L/s (10 cfs). Under both flow rates, the structure reduced near-bank shear stresses and resulted in both a deeper thalweg and near-bank aggradation. The resulting comprehensive dataset has been used to validate a large eddy simulation carried out by SAFL’s computational fluid dynamics model, the Virtual StreamLab (VSL). This versatile computational framework is able to efficiently simulate 3D unsteady turbulent flows in natural streams with complex in-stream structures and as a result holds promise for the development of much-needed quantitative design guidelines.

Preparative engineering on the Tomari Nuclear Power Station Unit 3. In-site measurement on wave pressure working to new type bank protection

International Nuclear Information System (INIS)

Matsumoto, Yoriaki; Hoshi, Hideki; Amano, Hideki

2003-01-01

The Tomari Nuclear Power Station Unit 3 is planned to construct it at sea-side area adjacent to southern-east portion of Unit 1 and 2, and has been carried out its preparative engineerings such as bank protection with about 670 m in length, its development, and so on, corresponding to it. Among them, as type of landfill for protection of important construction at its background the Amahata covered-block type bank protection developed by a series of hydrologic tests was adopted. This engineering was begun on March, 2001, and most of establishment on the landfill bank protection was finished on June, 2003. Then, an in-situ measurement aiming to obtain actual testing data and so on of wave pressure at this type of bank protection, was planned, to carry out its measurement at winter (October, 2002 to February, 2003) showing the highest wave at this sea area. Here were reported on relationship between incident wave and wave pressure feature working at new type bank protection together with describing on outlines of the in-situ measurement. (G.K.)

40 CFR 97.55 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.55 Section 97.55 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. NOX allowances may be banked for future use or transfer in a compliance account, an overdraft...

Stream characteristics and their implications for the protection of riparian fens and meadows

DEFF Research Database (Denmark)

Baattrup-Pedersen, A.; Larsen, S.E.; Andersen, Peter Mejlhede

2011-01-01

the influence of stream size, morphology and chemical water characteristics for the distribution of water-dependent terrestrial habitat types, i.e. alkaline fens, periodically inundated meadows and meadows in riparian areas in Denmark using an extensive data set covering a total of 254 stream reaches. A species......1. Running waters, including associated riparian areas, are embraced by international legal frameworks outlining targets for the preservation, protection and improvement of the quality of the environment. Interactions between stream and river processes and riparian habitats have not received much...... attention in the management of stream ecosystems, and integrated measures that consider both the ecological status of streams and rivers (sensu EU Water Framework Directive, WFD) and the conservation status of riparian habitats and species (sensu EU Habitats Directive, HD) are rare. 2. Here, we analysed...

Do Riparian Buffers Protect Stream Invertebrate Communities in South American Atlantic Forest Agricultural Areas?

Science.gov (United States)

Hunt, L.; Marrochi, N.; Bonetto, C.; Liess, M.; Buss, D. F.; Vieira da Silva, C.; Chiu, M.-C.; Resh, V. H.

2017-12-01

We investigated the influence and relative importance of insecticides and other agricultural stressors in determining variability in invertebrate communities in small streams in intensive soy-production regions of Brazil and Paraguay. In Paraguay we sampled 17 sites on tributaries of the Pirapó River in the state of Itapúa and in Brazil we sampled 18 sites on tributaries of the San Francisco River in the state of Paraná. The riparian buffer zones generally contained native Atlantic forest remnants and/or introduced tree species at various stages of growth. In Brazil the stream buffer width was negatively correlated with sediment insecticide concentrations and buffer width was found to have moderate importance in mitigating effects on some sensitive taxa such as mayflies. However, in both regions insecticides had low relative importance in explaining variability in invertebrate communities, while various habitat parameters were more important. In Brazil, the percent coverage of soft depositional sediment in streams was the most important agriculture-related explanatory variable, and the overall stream-habitat score was the most important variable in Paraguay streams. Paraguay and Brazil both have laws requiring forested riparian buffers. The ample forested riparian buffer zones typical of streams in these regions are likely to have mitigated the effects of pesticides on stream invertebrate communities. This study provides evidence that riparian buffer regulations in the Atlantic Forest region are protecting stream ecosystems from pesticides and other agricultural stressors. Further studies are needed to determine the minimum buffer widths necessary to achieve optimal protection.

40 CFR 97.155 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.155 Section 97.155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. (a) CAIR NOX allowances may be banked for future use or transfer in a compliance account or a...

40 CFR 96.355 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.355 Section 96.355 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Allowance Tracking System § 96.355 Banking. (a) CAIR NOX Ozone Season allowances may be banked for future...

40 CFR 96.55 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.55 Section 96.55 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.55 Banking. (a) NOX allowances may be banked for future use or transfer in a...

40 CFR 60.4155 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 6 2010-07-01 2010-07-01 false Banking. 60.4155 Section 60.4155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) STANDARDS OF... Generating Units Hg Allowance Tracking System § 60.4155 Banking. (a) Hg allowances may be banked for future...

Slope and bank erosional stability of the Canonsburg, Pennsylvania, UMTRA disposal site

International Nuclear Information System (INIS)

1994-12-01

This report was prepared in response to US Nuclear Regulatory Commission (NRC) comments received in a letter of 8 March 1994. This letter included discussions of the US Department of Energy (DOE) 21 May 1993 geomorphic report for the Canonsburg, Pennsylvania, site. To clarify the NRC's position, a DOE/NRC conference call was held on 12 April 1994. The NRC clarified that it did not require a preliminary erosion protection design for the Canonsburg site, but directed the DOE to address a ''one-bad-year'' scenario. The NRC wants confirmation that one bad year of stream flooding and landsliding will not release residual radioactive material (RRM) from the Canonsburg site into the creek. The NRC is concerned that a bad year theoretically could occur between postcell-closure inspections. These annual inspections are conducted in September or October. The NRC suggested that the following procedures should be conducted in this analysis: a flooding analysis, including the maximum saturation levels (flood water elevations) anticipated during a 100-year flood; a stream bank erosion analysis to determine how much of the bank adjacent to the site may be removed in a bad year; a slope stability analysis to determine how far back the site would be disturbed by slope instability that could be triggered by a bad year of stream bank erosion; and a ''critical cross section'' study to show the relationship of the RRM located outside the disposal cell to the maximum computer estimated erosion/landslide activity

40 CFR 96.255 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.255 Section 96.255 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.255 Banking. (a) CAIR SO2 allowances may be banked for future use or transfer in a...

40 CFR 97.355 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.355 Section 97.355 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... System § 97.355 Banking. (a) CAIR NOX Ozone Season allowances may be banked for future use or transfer in...

40 CFR 96.155 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.155 Section 96.155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.155 Banking. (a) CAIR NOX allowances may be banked for future use or transfer in a...

40 CFR 97.255 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.255 Section 97.255 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. (a) CAIR SO2 allowances may be banked for future use or transfer in a compliance account or a...

Public health protection through bank filtration - Kearney Nebraska case study

Science.gov (United States)

Esseks, E.; Bellamy, W.; Heinemann, T.; Stocker, K.

2003-04-01

The investigation of Kearney's bank filtration system provides further evidence of this technology's capability to assist in providing public health protection, as it relates to drinking water. The results of hydrogeologic and treatment studies demonstrate the capabilities of the Platte River aquifer materials, in this locale, to remove pathogens and their surrogates. Continual monitoring and evaluations will establish the system’s longevity and continued treatment efficacy. The City of Kearney is located in south central Nebraska. The City owns and operates a public water system that serves approximately 24,889 people. The water system includes 12 wells located on Killgore Island in the Platte River. In 1994, the Nebraska Department of Health and Human Services System (Department) determined that 3 wells in the wellfield serving the City of Kearney were ground water under the direct influence of surface water. This determination was based on results of microscopic particulate analysis (MPA). The City of Kearney undertook the natural bank filtration study to determine whether natural bank filtration was occurring at the site and if the filtration was sufficient to meet pathogen treatment requirements designed to protect public health. A preliminary study was undertaken from June through October 1995. This coincided with the City’s peak pumping time, which may be the time when the influence of the River is greatest on the wellfield wells. Hydrogeologic studies assisted in selecting wells that were at highest risk based on shortest travel times and greatest differential head. Data collected included particle counts, MPAs, turbidity, coliform, centrifugate pellet evaluation (CPE) volumes, pH, conductivity, and temperature. Following analysis of data collected during the preliminary 18-week study the Department granted conditional approval of 2-log credit for removal of Giardia lamblia and 1-log credit for removal of viruses through bank filtration, pending the

Duck Valley Habitat Enhancement and Protection, 2000 Annual Report.

Energy Technology Data Exchange (ETDEWEB)

Dodson, Guy; Pero, Vincent (Shoshone-Paiute Nation, Duck Valley Indian Reservation, Owyhee, NV)

2000-01-01

The Duck Valley Indian Reservations' Habitat Enhancement project is an ongoing project designed to enhance and protect the critical riparian areas, natural springs, and native fish spawning areas on the Reservation. The project was begun in 1997 with the hiring of a fisheries biologist and the creation of a new department for the Tribes. The project's goals are to protect and enhance the springs, Owyhee River, its tributaries, and to develop a database that can be used by other fisheries professionals which includes information on water quality and fish composition, health, abundance, and genetic makeup. One habitat portion of the project is a focus on protection the numerous springs that provide clean, cool water to the Owyhee River. This will be accomplished through enclosure fences of the spring heads and water troughs to provide clean cool drinking water for wildlife and livestock. Another habitat portion of the project involves protecting headwater areas of streams with native fish populations. This is accomplished through enclosure fencing and riparian plantings on any eroded or degraded banks in the enclosure area. Finally, we monitor and evaluate the areas protected and enhanced. This is accomplished through biological sampling for temperature, Oxygen, sedimentation, and measurements of water depth, bank height and undercut, and width of stream. With the habitat and biological indices we will be able to evaluate how well protective measures are doing, and where to focus future efforts.

40 CFR 1042.715 - Banking emission credits.

Science.gov (United States)

2010-07-01

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

Stakeholder Corporate Governance: The Combined Effects of Bank Competition and Employment Protection

NARCIS (Netherlands)

Claessens, S.; Ueda, K.

2014-01-01

Between the early-1970s and the mid-1990s, the U.S. banking sector was deregulated and U.S. workers gained more statuary basic protections. The effects of these two reforms on productive activity have largely been studied separately in the finance and labor literatures. Yet they only have separable

Bank-derived material dominates fluvial sediment in a suburban Chesapeake Bay watershed

Science.gov (United States)

Cashman, M. J.; Gellis, A.; Gorman-Sanisaca, L.; Noe, G. B.; Cogliandro, V.; Baker, A.

2017-12-01

Excess fine sediment is a leading cause of ecological degradation within the Chesapeake Bay watershed. The Piedmont physiographic province, which includes parts of the Washington, D.C. metro area, has the highest sediment yields in the Chesapeake Bay. In order to effectively employ sediment mitigation measures, it is necessary to identify and quantify the contributions of sediments sources within rapidly urbanizing areas in the Piedmont. This sediment fingerprinting study examines the inputs of various sediment sources to Upper Difficult Run (14.2 km2; 22.6% impervious surface), an urbanized watershed in Fairfax County, Virginia. A source sediment library was constructed from collections of stream bank material, forest soils, and road dust from across the watershed. Target fluvial sediments were collected from fine channel margin deposits and from suspended sediment using an autosampler during 16 storm events from 2008 - 2012. Apportionment of the target samples to the source sediments was performed using Sed_SAT, a publically available toolkit for sediment fingerprinting. Bed sediment was found to be dominated by stream bank sources (mean: 96%), with minor contributions from forest (4%) and no detectable contribution from roads (0%). Suspended fine sediments were also found to predominantly originate from stream bank sources (SSC-weighted mean: 91%), with minor contributions from roads (8%), and negligible contributions from forests (1%). Stream bank sources dominated at all discharges, with the greatest contributions from overland sources found only at low discharges. On the rising limb of the hydrograph and at peak flow, sediment concentrations increased due to increasing contributions of bank material rather than surface erosion caused by overland flow. Results demonstrate that stream bank erosion is responsible for the vast majority of fine sediment occurring in this suburban basin of the Chesapeake Bay watershed. This is likely a consequence of storm

Modification of meander migration by bank failures

Science.gov (United States)

Motta, D.; Langendoen, E. J.; Abad, J. D.; García, M. H.

2014-05-01

Meander migration and planform evolution depend on the resistance to erosion of the floodplain materials. To date, research to quantify meandering river adjustment has largely focused on resistance to erosion properties that vary horizontally. This paper evaluates the combined effect of horizontal and vertical floodplain material heterogeneity on meander migration by simulating fluvial erosion and cantilever and planar bank mass failure processes responsible for bank retreat. The impact of stream bank failures on meander migration is conceptualized in our RVR Meander model through a bank armoring factor associated with the dynamics of slump blocks produced by cantilever and planar failures. Simulation periods smaller than the time to cutoff are considered, such that all planform complexity is caused by bank erosion processes and floodplain heterogeneity and not by cutoff dynamics. Cantilever failure continuously affects meander migration, because it is primarily controlled by the fluvial erosion at the bank toe. Hence, it impacts migration rates and meander shapes through the horizontal and vertical distribution of erodibility of floodplain materials. Planar failures are more episodic. However, in floodplain areas characterized by less cohesive materials, they can affect meander evolution in a sustained way and produce preferential migration patterns. Model results show that besides the hydrodynamics, bed morphology and horizontal floodplain heterogeneity, floodplain stratigraphy can significantly affect meander evolution, both in terms of migration rates and planform shapes. Specifically, downstream meander migration can either increase or decrease with respect to the case of a homogeneous floodplain; lateral migration generally decreases as result of bank protection due to slump blocks; and the effect on bend skewness depends on the location and volumes of failed bank material caused by cantilever and planar failures along the bends, with possible achievement of

Modeling the effects of LID practices on streams health at watershed scale

Science.gov (United States)

Shannak, S.; Jaber, F. H.

2013-12-01

Increasing impervious covers due to urbanization will lead to an increase in runoff volumes, and eventually increase flooding. Stream channels adjust by widening and eroding stream bank which would impact downstream property negatively (Chin and Gregory, 2001). Also, urban runoff drains in sediment bank areas in what's known as riparian zones and constricts stream channels (Walsh, 2009). Both physical and chemical factors associated with urbanization such as high peak flows and low water quality further stress aquatic life and contribute to overall biological condition of urban streams (Maxted et al., 1995). While LID practices have been mentioned and studied in literature for stormwater management, they have not been studied in respect to reducing potential impact on stream health. To evaluate the performance and the effectiveness of LID practices at a watershed scale, sustainable detention pond, bioretention, and permeable pavement will be modeled at watershed scale. These measures affect the storm peak flows and base flow patterns over long periods, and there is a need to characterize their effect on stream bank and bed erosion, and aquatic life. These measures will create a linkage between urban watershed development and stream conditions specifically biological health. The first phase of this study is to design and construct LID practices at the Texas A&M AgriLife Research and Extension Center-Dallas, TX to collect field data about the performance of these practices on a smaller scale. The second phase consists of simulating the performance of LID practices on a watershed scale. This simulation presents a long term model (23 years) using SWAT to evaluate the potential impacts of these practices on; potential stream bank and bed erosion, and potential impact on aquatic life in the Blunn Watershed located in Austin, TX. Sub-daily time step model simulations will be developed to simulate the effectiveness of the three LID practices with respect to reducing

Distribution of mercury, Cesium-137, and plutonium in an intermittent stream at Los Alamos

International Nuclear Information System (INIS)

Hakonson, T.E.; White, G.C.; Gladney, E.S.; Dreicer, M.

1980-01-01

The results of a study on the distribution of Hg, 137 Cs, 238 Pu, and 239 240 Pu in channel sediments and adjacent bank soils in an intermittent stream used for treated liquid effluent disposal since 1963 are summarized. Concentrations of the three radionuclides and Hg in stream bank soils were comparable to adjacent channel sediments demonstrating that the stream bank serves as a deposition site for chemicals released to the channel. This finding has important implications on the long-term behavior of effluent contaminants since other studies at Los Alamos have shown that the vegetated stream banks retard downstream movement of chemicals bound to soils and provide a pathway for transport of these materials to biota. Concentrations of the radionuclides and mercury were more uniformly distributed with distance and depth in the channel sediments than in the bank soils. The action of periodic surface water in the channel partially explains those differences. Statistical analysis of the data revealed that 50 to 85% of the variability in contaminant concentrations in bank and channel locations was due to variation with distance while depth contributed relatively little to variability

40 CFR 91.1305 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 91.1305 Section 91.1305 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) CONTROL OF EMISSIONS FROM MARINE SPARK-IGNITION ENGINES In-Use Credit Program for New Marine Engines § 91.1305 Banking...

Protective-decorative revegetation of spoil banks in the Donbass

Energy Technology Data Exchange (ETDEWEB)

Baklanov, V.I.; Podkopaev, A.A.

1985-05-01

Spoil bank reclamation in the Donbass is discussed, where there were 1195 spoil banks from underground coal mines in 1984, 80% of which were conic shaped. The average spoil bank was 60 to 80 m high, base surface was 4.2 ha, volume amounted to 1,144,000 mT. Ninety-five spoil banks were situated in cities or towns and were a source of environmental pollution. Reclamation of a spoil bank in the No 6/14 coal mine in the Makeevugol' association is analyzed. Buildup of the spoil bank started in 1930. The spoil bank was 72 m high, its base was 8.05 ha large, slopes were inclined at 25 to 36 degrees, volume of material amounted to 2.2 million mT. From 1973 to 1978 shape of the spoil bank was changed: its height was reduced to 40 m, slope inclination was reduced to 25 degrees. Spontaneous combustion was controlled by changing spoil bank shape. Slopes were divided into a number of terraces. The spoil bank was covered with a 0.3 m thick soil cover suitable for vegetation. Sainfoin (Onobrychis) was sown on leveled zones of the spoil bank and false acacia (Robinia pseudoacacia) was planted on the terraces. Plant growth in the first and second years was satisfactory.

Bank Interest Margin and Default Risk under Basel III Capped Capital Adequacy Accord and Regulatory Deposit Insurance Fund Protection

OpenAIRE

Chuen-Ping Chang; Shi Chen

2015-01-01

We study the optimal bank interest margin and default risk under the capped ratio schedule of government capital instruments in the Basel III Capital Adequacy Accord and the Deposit Insurance Fund arrangement program. We show that an increase in the capped ratio (a decrease in the capped government capital injection) increases the default risk in the bank¡¯s equity return at a reduced interest margin. Regulatory deposit insurance fund protection reinforces the reduced bank interest margin and...

How wide is a stream? Spatial extent of the potential "stream signature" in terrestrial food webs using meta-analysis.

Science.gov (United States)

Muehlbauer, Jeffrey D; Collins, Scott F; Doyle, Martin W; Tockner, Klement

2014-01-01

The magnitude of cross-ecosystem resource subsidies is increasingly well recognized; however, less is known about the distance these subsidies travel into the recipient landscape. In streams and rivers, this distance can delimit the "biological stream width," complementary to hydro-geomorphic measures (e.g., channel banks) that have typically defined stream ecosystem boundaries. In this study we used meta-analysis to define a "stream signature" on land that relates the stream-to-land subsidy to distance. The 50% stream signature, for example, identifies the point on the landscape where subsidy resources are still at half of their maximum (in- or near-stream) level. The decay curve for these data was best fit by a negative power function in which the 50% stream signature was concentrated near stream banks (1.5 m), but a non-trivial (10%) portion of the maximum subsidy level was still found > 0.5 km from the water's edge. The meta-analysis also identified explanatory variables that affect the stream signature. This improves our understanding of ecosystem conditions that permit spatially extensive subsidy transmission, such as in highly productive, middle-order streams and rivers. Resultant multivariate models from this analysis may be useful to managers implementing buffer rules and conservation strategies for stream and riparian function, as they facilitate prediction of the extent of subsidies. Our results stress that much of the subsidy remains near the stream, but also that subsidies (and aquatic organisms) are capable of long-distance dispersal into adjacent environments, and that the effective "biological stream width" of stream and river ecosystems is often much larger than has been defined by hydro-geomorphic metrics alone. Limited data available from marine and lake sources overlap well with the stream signature data, indicating that the "signature" approach may also be applicable to subsidy spatial dynamics across other ecosystems.

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...

78 FR 20473 - National Practitioner Data Bank

Science.gov (United States)

2013-04-05

... Data Bank AGENCY: Health Resources and Services Administration (HRSA), HHS. ACTION: Final rule. SUMMARY... Bank, to incorporate statutory requirements under the Patient Protection and Affordable Care Act of... regulations which implemented the Healthcare Integrity and Protection Data Bank. Section 6403 of the...

StreamCat

Data.gov (United States)

U.S. Environmental Protection Agency — The StreamCat Dataset provides summaries of natural and anthropogenic landscape features for ~2.65 million streams, and their associated catchments, within the...

Robust Transmission of H.264/AVC Streams Using Adaptive Group Slicing and Unequal Error Protection

Science.gov (United States)

Thomos, Nikolaos; Argyropoulos, Savvas; Boulgouris, Nikolaos V.; Strintzis, Michael G.

2006-12-01

We present a novel scheme for the transmission of H.264/AVC video streams over lossy packet networks. The proposed scheme exploits the error-resilient features of H.264/AVC codec and employs Reed-Solomon codes to protect effectively the streams. A novel technique for adaptive classification of macroblocks into three slice groups is also proposed. The optimal classification of macroblocks and the optimal channel rate allocation are achieved by iterating two interdependent steps. Dynamic programming techniques are used for the channel rate allocation process in order to reduce complexity. Simulations clearly demonstrate the superiority of the proposed method over other recent algorithms for transmission of H.264/AVC streams.

Stream remediation following a gasoline spill

International Nuclear Information System (INIS)

Owens, E.H.; Reiter, G.A.; Challenger, G.

2000-01-01

On June 10, 1999, a pipe ruptured on the Olympic Pipe Line causing the release, explosion and fire of up to one million litres of gasoline in Bellingham, Washington. It affected approximately 5 km of the Whatcom Creek ecosystem. Following the incident, several concurrent activities in the source area and downstream occurred. This paper discussed the remediation of the affected stream bed sections. During the period July 6 - August 16, an interagency project was implemented. It involved mechanical, manual, and hydraulic in-situ treatment techniques to remove the gasoline from the stream bed and the banks. In addition, a series of controlled, hydraulic flushes were conducted. The sluice or control gates at the head of the Whatcom Creek were opened each night, and bigger flushes took place before and after the treatments. Simultaneously, water and sediment were sampled and analysed. The data obtained provided information on the state of the initial stream water and stream sediment and on the effects that the remediation had had. The residual gasoline was successfully removed from the sediments and river banks in six weeks. No downstream movement of the released gasoline towards Bellingham was detected. 3 refs., 2 tabs., 11 figs

Islamic Banking and Green Banking for Sustainable Development: Evidence from Bangladesh

Directory of Open Access Journals (Sweden)

Mohammad Nazim Uddin

2018-01-01

Full Text Available Green banking is an integral part of Islamic banking that makes a basis of environmental protection. This study attempts to examine the relationship between Islamic banking and green banking that contribute to sustainable development. The study has used the primary data through a structural questionnaire that includes various dimensions on green banking of Islamic banking in Bangladesh. The investigation revealed that Islamic banks had made a significant contribution to green banking that improves the environment as means of cost and energy savings, preservation of natural resources and the need to respect all living things. The study seems to carry an enormous academic value since a few studies have undertaken in this areaDOI: 10.15408/aiq.v10i1.4563

Phosphorus load to surface water from bank erosion in a Danish lowland river basin.

Science.gov (United States)

Kronvang, Brian; Audet, Joachim; Baattrup-Pedersen, Annette; Jensen, Henning S; Larsen, Søren E

2012-01-01

Phosphorus loss from bank erosion was studied in the catchment of River Odense, a lowland Danish river basin, with the aim of testing the hypothesis of whether stream banks act as major diffuse phosphorus (P) sources at catchment scale. Furthermore, the study aimed at analyzing the impact of different factors influencing bank erosion and P loss such as stream order, anthropogenic disturbances, width of uncultivated buffer strips, and the vegetation of buffer strips. A random stratified procedure in geographical information system (GIS) was used to select two replicate stream reaches covering different stream orders, channelized vs. naturally meandering channels, width of uncultivated buffer strips (≤ 2 m and ≥ 10 m), and buffer strips with different vegetation types. Thirty-six 100-m stream reaches with 180 bank plots and a total of 3000 erosion pins were established in autumn 2006, and readings were conducted during a 3-yr period (2006-2009). The results show that neither stream size nor stream disturbance measured as channelization of channel or the width of uncultivated buffer strip had any significant ( erosion and P losses during each of the 3 yr studied. In buffer strips with natural trees bank erosion was significantly ( erosion amounted to 13.8 to 16.5 and 2.4 to 6.3 t P, respectively, in the River Odense catchment during the three study years. The net P input from bank erosion equaled 17 to 29% of the annual total P export and 21 to 62% of the annual export of P from diffuse sources from the River Odense catchment. Most of the exported total P was found to be bioavailable (71.7%) based on a P speciation of monthly suspended sediment samples collected at the outlet of the river basin. The results found in this study have a great importance for managers working with P mitigation and modeling at catchment scale. Copyright © by the American Society of Agronomy, Crop Science Society of America, and Soil Science Society of America, Inc.

Bank filtered water quality characteristics in Okgog-Ri area of Youngsan-River, Korea

Energy Technology Data Exchange (ETDEWEB)

Park, Hee-Youl; Kim, Hyoung-Soo [Korea Water Resources Corp., Taejeon(Korea)

2001-02-28

Preliminary artificial recharge groundwater intake method using bank filtering had been conducted in Okgog-Ri of Youngsan-River to evaluate the possibility of substitution of surface water intake method in the area. In order to investigate the characteristics of bank filtered groundwater, we examined the hydrogeological properties of alluvium and water quality of stream and groundwater. It is observed that nitrate in stream water from synthetic fertilizer and poultry manure is almost consumed during bank filtering in this area. This implies that denitrification of organic carbon and the oxidation of pyrite present in the alluvium aquifer. Groundwater samples from bank filtering show high Mn concentration. This high Mn concentration may be resulted from decreasing redox potential due to denitrification and increasing mobility due to redox reaction of Mn-oxide. In the study area, there is a typical tendency that Al concentrations of water samples decrease according to increasing pH. This tendency is interpreted as forming of amorphous Al(OH){sub 3} precipitates by reducing the Al{sup 3+} solubilities. It is revealed that the bank filtered groundwater in the area is not edible because color, turbidity, heterotrophic bacteria, coliform and Mn of the groundwater exceed the guideline of drinking water. Even though the bank filtered groundwater without treatment does not satisfy the guideline of drinking water, the groundwater shows a good water quality compared with stream water. So, the water treatment method using bank filtered groundwater can be more economical and efficient than the treatment using direct intake of stream water in the aspect of water quality. (author). 15 refs., 2 tabs., 7 figs.

Embolic Protection using the WIRION Embolic Protection System with JetStream Atherectomy in a Patient with Superficial Femoral Artery Chronic total Occlusion.

Science.gov (United States)

Shammas, Nicolas W

2017-06-01

Distal embolization is a common occurrence with peripheral arterial interventions and is more frequent with the use of atherectomy devices. We report the first case of JetStream atherectomy (Boston Scientific, Maple Grove, MN) with the use of the novel WIRION embolic protection system filter. The procedure was performed successfully with no distal embolizations beyond the filter and with no complications in the delivery or retrieval of the filter. The pros and cons of the off label use of this filter with JetStream atherectomy are discussed.

Stream temperature responses to timber harvest and best management practices—findings from the ODF RipStream project

Science.gov (United States)

Jeremy D. Groom

2013-01-01

Studies over the past 40 years have established that riparian buff er retention along streams protects against stream temperature increase. Th is protection is neither universal nor complete; some buff ered streams still warm, while other streams’ temperatures remain stable. Oregon Department of Forestry developed riparian rules in the Forest Practices Act (FPA) to...

Stream and floodplain restoration in a riparian ecosystem disturbed by placer mining

Science.gov (United States)

Karle, Kenneth F.; Densmore, Roseann V.

1994-01-01

Techniques for the hydrologic restoration of placer-mined streams and floodplains were developed in Denali National Park and Preserve Alaska, USA. The hydrologic study focused on a design of stream and floodplain geometry using hydraulic capacity and shear stress equations. Slope and sinuosity values were based on regional relationships. Design requirements include a channel capacity for a 1.5-year (bankfull) discharge and a floodplain capacity for a 1.5- to 100-year discharge. Concern for potential damage to the project from annual flooding before natural revegetation occurs led to development of alder (Alnus crispa) brush bars to dissipate floodwater energy and encourage sediment deposition. The brush bars, constructed of alder bundles tied together and anchored laterally adjacent to the channel, were installed on the floodplain in several configurations to test their effectiveness. A moderate flood near the end of the two-year construction phase of the project provided data on channel design, stability, floodplain erosion, and brush bar effectiveness. The brush bars provided substantial protection, but unconsolidated bank material and a lack of bed armour for a new channel segment led to some bank erosion, slope changes and an increase in sinuosity in several reaches of the study area.

Volumetric measurement of river bank erosion from sequential historical aerial photography

Science.gov (United States)

Spiekermann, Raphael; Betts, Harley; Dymond, John; Basher, Les

2017-11-01

Understanding of the relative contribution of bank erosion to sediment budgets in New Zealand is limited. Few measurements of bank erosion rates exist, and this is a major limitation to the development of a locally calibrated model of bank erosion. The New Zealand sediment budget model, SedNetNZ, predicts bank erosion based on preliminary data, and this study aims to underpin the development of an improved model for bank erosion. Photogrammetric techniques and LiDAR were used to collect data on bank erosion rates for five different river reaches, ranging from 3 to 14 km in length, in the Kaipara Catchment, Northland, New Zealand. Changing river channel planform between the 1950s and 2015 was assessed using four to five well-spaced dates of historical aerial photographs. Changes in planform were combined with bank height, to calculate erosion and accretion volumes which were compared with SedNetNZ modelled estimates. Erosion and accretion is relatively evenly balanced in the study sites. The largest difference in terms of relative proportions of erosion and accretion are found along the Tangowahine River (13.4 km reach length), where 492,000 m3 of sediment eroded between 1956 and 2015 compared to 364,000 m3 of accretion. Lateral migration rates (erosion) for the five river reaches range between 0.14 m yr- 1 and 0.21 m yr- 1 and are comparable with those measured by previous assessments in New Zealand. The migration rates in channel widths per year for the three larger rivers (stream order 5-6) range between 0.4% and 0.8% of channel width per year. In contrast, the smaller streams (stream order 3-4) are retreating more rapidly, with width-averaged rates of 1.7% and 3.0%. Current SedNetNZ modelling tends to underestimate the bank height and greatly overestimates the migration rate.

Interaction between stream temperature, streamflow, and groundwater exchanges in alpine streams

Science.gov (United States)

Constantz, James E.

1998-01-01

Four alpine streams were monitored to continuously collect stream temperature and streamflow for periods ranging from a week to a year. In a small stream in the Colorado Rockies, diurnal variations in both stream temperature and streamflow were significantly greater in losing reaches than in gaining reaches, with minimum streamflow losses occurring early in the day and maximum losses occurring early in the evening. Using measured stream temperature changes, diurnal streambed infiltration rates were predicted to increase as much as 35% during the day (based on a heat and water transport groundwater model), while the measured increase in streamflow loss was 40%. For two large streams in the Sierra Nevada Mountains, annual stream temperature variations ranged from 0° to 25°C. In summer months, diurnal stream temperature variations were 30–40% of annual stream temperature variations, owing to reduced streamflows and increased atmospheric heating. Previous reports document that one Sierra stream site generally gains groundwater during low flows, while the second Sierra stream site may lose water during low flows. For August the diurnal streamflow variation was 11% at the gaining stream site and 30% at the losing stream site. On the basis of measured diurnal stream temperature variations, streambed infiltration rates were predicted to vary diurnally as much as 20% at the losing stream site. Analysis of results suggests that evapotranspiration losses determined diurnal streamflow variations in the gaining reaches, while in the losing reaches, evapotranspiration losses were compounded by diurnal variations in streambed infiltration. Diurnal variations in stream temperature were reduced in the gaining reaches as a result of discharging groundwater of relatively constant temperature. For the Sierra sites, comparison of results with those from a small tributary demonstrated that stream temperature patterns were useful in delineating discharges of bank storage following

Factors influencing accounting conservatism in banks: the UAE case

Directory of Open Access Journals (Sweden)

Magdi El-Bannany

2017-06-01

Full Text Available The purpose of this study is to determine the factors influencing the accounting conservatism for banks in the UAE over the period 2006-2013. Design/methodology/approach – Multiple regression analysis is used to test the relationship between accounting conservatism as a dependent variable and the independent variables intellectual capital performance, market structure, level of protection against risk, bank size, and bank profitability. The results indicate that intellectual capital performance, market structure, bank size, the level of protection against risk and bank profitability have significant impact on the accounting conservatism for banks in the UAE. These results might help the banking and accounting regulators to address the factors affecting accounting conservatism. This study adds to the literature on the determinants of accounting conservatism in banks. In particular, it tests whether the new theories of intellectual capital performance, market structure and level of protection against risk have an impact on accounting conservatism in the banking industry in the UAE.

The effectiveness of banking supervision

OpenAIRE

Davis, EP; Obasi, U

2009-01-01

Banking supervision is an essential aspect of modern financial systems, seeking crucially to monitor risk-taking by banks so as to protect depositors, the government safety net and the economy as a whole against systemic bank failure and its consequences. In this context, this paper seeks to explore the relationship between risk indicators for individual banks and the different approaches to banking supervision adopted around the world. This is the first work to make use of the currently avai...

40 CFR 89.205 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 89.205 Section 89.205... EMISSIONS FROM NEW AND IN-USE NONROAD COMPRESSION-IGNITION ENGINES Averaging, Banking, and Trading Provisions § 89.205 Banking. (a) Requirements for Tier 1 engines rated at or above 37 kW. (1) A manufacturer...

40 CFR 90.205 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 90.205 Section 90.205... EMISSIONS FROM NONROAD SPARK-IGNITION ENGINES AT OR BELOW 19 KILOWATTS Certification Averaging, Banking, and Trading Provisions § 90.205 Banking. (a)(1) Beginning August 1, 2007, a manufacturer of a Class I engine...

Health care fraud and abuse data collection program: technical revisions to Healthcare Integrity and Protection Data Bank data collection activities. Final rule.

Science.gov (United States)

2004-09-21

The rule finalizes technical changes to the Healthcare Integrity and Protection Data Bank (HIPDB) data collection reporting requirements by clarifying the types of personal numeric identifiers that may be reported to the data bank in connection with adverse actions. The rule clarifies that in lieu of a Social Security Number (SSN), an individual taxpayer identification number (ITIN) may be reported to the data bank when, in those limited situations, an individual does not have an SSN.

Percent Forest Adjacent to Streams

Data.gov (United States)

U.S. Environmental Protection Agency — The type of vegetation along a stream influences the water quality in the stream. Intact buffer strips of natural vegetation along streams tend to intercept...

Percent Agriculture Adjacent to Streams

Data.gov (United States)

U.S. Environmental Protection Agency — The type of vegetation along a stream influences the water quality in the stream. Intact buffer strips of natural vegetation along streams tend to intercept...

Design Procedure Enhanced with Numerical Modeling to Mitigate River-Bank Erosion

Directory of Open Access Journals (Sweden)

Elhakeem Mohamed

2016-01-01

Full Text Available In this study, the 2D Finite Element Surface Water Modeling System (FESWMS is used to design barb structures to mitigate river bank erosion in a stream reach located on the Raccoon River near Adel, Iowa, USA just upstream of the US Highway Bridge 169. FESWMS is used also to access the barbs effect on the study reach. The model results showed that the proposed barb structures successfully reduced the flow velocity along the outside bank and increased the velocity in the center of the stream, thereby successfully increased the conveyance towards the core of the river. The estimated velocities values along the river-banks where the barbs exist were within the recommended values for channel stability design. Thus, the barb structures were able to reduce the erosion along the bankline.

40 CFR 1033.715 - Banking emission credits.

Science.gov (United States)

2010-07-01

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

Tanggung Jawab Bank terhadap Nasabah yang Mengalami Kerugian dalam Penggunaan Elektronik Banking

Directory of Open Access Journals (Sweden)

Selly Maulina

2016-12-01

ABSTRACT. The strong development economy requires a bank as a financial institution that is safe for undertaking various financial activities.The positive impact of developments on financial services is the use of e-bankingis also known as internet banking is the bank services that enable customers to obtain information, communicate and conduct banking transactions through the internet, quickly, can be done anywhere and anytime. Internet banking transactions can also pose some risk, Article 1, paragraph (2 of Bank Indonesia Regulation No. 5/8/PBI/2003 on the Application of Risk Management for Commercial Bank said that the risk is the potential for the occurrence of an event  that can cause harm. Risks experienced by customers of PT. BNIS and PT. BCA. According to the Bank Indonesia Regulation Number 10/10/PBI/2008 on the Settlement of customer complaints,customers who suffered the financial  losses can lodge a complaint by means of submitting a complaint to the bank. The protection from a legal perspective rule has no detail rules yet about internet banking so bank makes initiave on internet banking terms and condition.The agreement prioritize customer client obligations rather than rights.

Rehabilitating agricultural streams in Australia with wood: a review.

Science.gov (United States)

Lester, Rebecca E; Boulton, Andrew J

2008-08-01

Worldwide, the ecological condition of streams and rivers has been impaired by agricultural practices such as broadscale modification of catchments, high nutrient and sediment inputs, loss of riparian vegetation, and altered hydrology. Typical responses include channel incision, excessive sedimentation, declining water quality, and loss of in-stream habitat complexity and biodiversity. We review these impacts, focusing on the potential benefits and limitations of wood reintroduction as a transitional rehabilitation technique in these agricultural landscapes using Australian examples. In streams, wood plays key roles in shaping velocity and sedimentation profiles, forming pools, and strengthening banks. In the simplified channels typical of many agricultural streams, wood provides habitat for fauna, substrate for biofilms, and refuge from predators and flow extremes, and enhances in-stream diversity of fish and macroinvertebrates.Most previous restoration studies involving wood reintroduction have been in forested landscapes, but some results might be extrapolated to agricultural streams. In these studies, wood enhanced diversity of fish and macroinvertebrates, increased storage of organic material and sediment, and improved bed and bank stability. Failure to meet restoration objectives appeared most likely where channel incision was severe and in highly degraded environments. Methods for wood reintroduction have logistical advantages over many other restoration techniques, being relatively low cost and low maintenance. Wood reintroduction is a viable transitional restoration technique for agricultural landscapes likely to rapidly improve stream condition if sources of colonists are viable and water quality is suitable.

Predicting Hyporheic Exchange of Water and Solutes in Streams on the Basis of a Priori Estimates of Stream Physical Characteristics

Science.gov (United States)

Stone, S. H.; Harvey, J.; Packman, A.; Worman, A.

2005-12-01

It is very important to accurately model solute transport in rivers in order to analyze contaminant transport, water quality, and a variety of ecological processes. The purpose of this research is to determine the physical characteristics of a stream or river that are sufficient to predict hyporheic exchange and downstream solute transport. In the fall of 2004, we conducted a bromide tracer injection and made physical measurements in Sugar Creek, a small agricultural stream in northwestern Indiana. As is typical for small mid-western agricultural streams, Sugar Creek has been ditched and straightened, and subsequent downcutting through glacial sediments and slumpage of bank sediments composed of finer grain sizes has created a stream of intermediate complexity. In order to relate the observed solute transport to more basic physical characteristics of the stream, we determined the bathymetry of Sugar Creek over a wide range of scales (centimeters to decameters), and measured velocity profiles, the water elevation surface profile, hydraulic conductivity via in situ measurements, and bed sediment grain size distributions throughout the study reach. Our most detailed topographic measurements revealed fine scale bed variations with wavelengths on the order of ten centimeters, while surveying of the entire study reach characterized large scale meanders with wavelengths on the order of five meters. The distribution of wavelengths influences the driving forces that cause solute to enter the bed and banks. Hydraulic conductivity determines the resistance to flow of stream water through the (meander) stream banks and streambed. We used a scaling approach to relate the geometric and hydrogeologic characteristics of the stream to solute transport and also applied a new analytical solution for the subsurface flows resulting from topographic variations over a wide range of spatial scales. These models captured the main features of the observed solute transport. The greatest

Optimal erasure protection for scalably compressed video streams with limited retransmission.

Science.gov (United States)

Taubman, David; Thie, Johnson

2005-08-01

This paper shows how the priority encoding transmission (PET) framework may be leveraged to exploit both unequal error protection and limited retransmission for RD-optimized delivery of streaming media. Previous work on scalable media protection with PET has largely ignored the possibility of retransmission. Conversely, the PET framework has not been harnessed by the substantial body of previous work on RD optimized hybrid forward error correction/automatic repeat request schemes. We limit our attention to sources which can be modeled as independently compressed frames (e.g., video frames), where each element in the scalable representation of each frame can be transmitted in one or both of two transmission slots. An optimization algorithm determines the level of protection which should be assigned to each element in each slot, subject to transmission bandwidth constraints. To balance the protection assigned to elements which are being transmitted for the first time with those which are being retransmitted, the proposed algorithm formulates a collection of hypotheses concerning its own behavior in future transmission slots. We show how the PET framework allows for a decoupled optimization algorithm with only modest complexity. Experimental results obtained with Motion JPEG2000 compressed video demonstrate that substantial performance benefits can be obtained using the proposed framework.

PERLINDUNGAN HUKUM TERHADAP KEPENTINGAN PARA PIHAK DI DALAM MERGER BANK

Directory of Open Access Journals (Sweden)

Dani Amran Hakim

2016-04-01

Full Text Available The legal protection of interests of the parties in the merger of banks, which is formulated into the problem as follows a Is the legal basis for bank mergers? b How is the legal protection of the parties in a bank merger? Merger is one of the company's development and growth. Merger is also one other alternative for capital investment through internal and organic growth. In banking mergers regulated in Law Number 10 of 1998. In the implementation of the merger must also consider the interests of the parties, namely, 1 the interests of the shareholders, 2 the interests of the depositors, 3 the interest of the bank employees, and 4 the interests of officials. Keywords: Protection Law, the Parties, Bank Merger 

Relationships among rotational and conventional grazing systems, stream channels, and macroinvertebrates

Science.gov (United States)

Raymond, K.L.; Vondracek, B.

2011-01-01

Cattle grazing in riparian areas can reduce water quality, alter stream channel characteristics, and alter fish and macroinvertebrate assemblage structure. The U.S. Department of Agriculture, Natural Resources Conservation Services has recommended Rotational Grazing (RG) as an alternative management method on livestock and dairy operations to protect riparian areas and water quality. We evaluated 13 stream channel characteristics, benthic macroinvertebrate larvae (BML), and chironomid pupal exuviae (CPE) from 18 sites in the Upper Midwest of the United States in relation to RG and conventional grazing (CG). A Biotic Composite Score comprised of several macroinvertebrate metrics was developed for both the BML assemblage and the CPE assemblage. Multi-Response Permutation Procedures (MRPP) indicated a significant difference in stream channel characteristics between RG and CG. Nonmetric Multidimensional Scaling indicated that RG sites were associated with more stable stream banks, higher quality aquatic habitat, lower soil compaction, and larger particles in the streambed. However, neither MRPP nor Mann-Whitney U tests demonstrated a difference in Biotic Composite Scores for BML or CPE along RG and CG sites. The BML and CPE metrics were significantly correlated, indicating that they were likely responding to similar variables among the study sites. Although stream channel characteristics appeared to respond to grazing management, BML and CPE may have responded to land use throughout the watershed, as well as local land use. ?? 2011 Springer Science+Business Media B.V. (outside the USA).

Effects of natural-channel-design restoration on habitat quality in Catskill Mountain streams, New York

Science.gov (United States)

Ernst, Anne G.; Baldigo, Barry P.; Mulvihill, Christiane; Vian, Mark

2010-01-01

Stream restoration has received much attention in recent years, yet there has been little effort to evaluate its impacts on physical habitat, stability, and biota. A popular but controversial stream restoration approach is natural channel design (NCD), which cannot be adequately evaluated without a long-term, independent assessment of its effects on stream habitat. Six reaches of five Catskill Mountain streams in southeastern New York were restored during 2000–2003 following NCD techniques to decrease bed and bank degradation, decrease sediment loads, and improve water quality. Habitat surveys were conducted during summer low flows from 2001 to 2007. The effects of the NCD projects on stream condition were assessed via a before–after–control–impact study design to quantify the net changes in stream and bank habitat variables relative to those in unaltered control reaches. Analysis of variance tests of three different measures of bank stability show that on average stream stability increased at treatment sites for 2–5 years after restoration. Mean channel depth, thalweg depth, and the pool–riffle ratio generally increased, whereas mean channel width, percent streambank coverage by trees, and shade decreased. Habitat suitability indices for local salmonid species increased at four of six reaches after restoration. The changes in channel dimensions rendered them generally more characteristic of stabler stream forms in the given valley settings. Although these studies were done relatively soon after project completion, our findings demonstrate that habitat conditions can be improved in degraded Catskill Mountain streams through NCD restoration.

Morphology of a Wetland Stream

Science.gov (United States)

Jurmu; Andrle

1997-11-01

/ Little attention has been paid to wetland stream morphology in the geomorphological and environmental literature, and in the recently expanding wetland reconstruction field, stream design has been based primarily on stream morphologies typical of nonwetland alluvial environments. Field investigation of a wetland reach of Roaring Brook, Stafford, Connecticut, USA, revealed several significant differences between the morphology of this stream and the typical morphology of nonwetland alluvial streams. Six morphological features of the study reach were examined: bankfull flow, meanders, pools and riffles, thalweg location, straight reaches, and cross-sectional shape. It was found that bankfull flow definitions originating from streams in nonwetland environments did not apply. Unusual features observed in the wetland reach include tight bends and a large axial wavelength to width ratio. A lengthy straight reach exists that exceeds what is typically found in nonwetland alluvial streams. The lack of convex bank point bars in the bends, a greater channel width at riffle locations, an unusual thalweg location, and small form ratios (a deep and narrow channel) were also differences identified. Further study is needed on wetland streams of various regions to determine if differences in morphology between alluvial and wetland environments can be applied in order to improve future designs of wetland channels.KEY WORDS: Stream morphology; Wetland restoration; Wetland creation; Bankfull; Pools and riffles; Meanders; Thalweg

Conservation targets in marine protected area management suffer from shifting baseline syndrome: A case study on the Dogger Bank.

Science.gov (United States)

Plumeridge, Annabel A; Roberts, Callum M

2017-03-15

The Dogger Bank is a subtidal hill in the North Sea that is a candidate Special Area of Conservation under the EU Habitats Directive in UK waters. Historical records indicate that the Bank has been subject to human exploitation from before the 16th century but conservation objectives have been developed using recent survey data. This has the potential to significantly underestimate the alteration this ecosystem has experienced, making the Dogger Bank an example of shifting baseline syndrome in protected area management. We compile quantitative and qualitative descriptions from historical records of change in catch rates, fishing effort, price and fish size to show that there have been prolonged declines in abundance of fish on the Bank since the early 19th century. Use of present day data to inform conservation has led to unambitious recovery targets. Historical data, we argue, are an essential input to conservation decision making. Copyright © 2017 Elsevier Ltd. All rights reserved.

Coral reefs and the World Bank.

Science.gov (United States)

Hatziolos, M

1997-01-01

The World Bank¿s involvement in coral reef conservation is part of a larger effort to promote the sound management of coastal and marine resources. This involves three major thrusts: partnerships, investments, networks and knowledge. As an initial partner and early supporter of the International Coral Reef Initiative (ICRI), the Bank serves as the executive planning committee of ICRI. In partnership with the World Conservation Union and the Great Barrier Reef Marine Park Authority, the Bank promotes the efforts towards the establishment and maintenance of a globally representative system of marine protected areas. In addition, the Bank invested over $120 million in coral reef rehabilitation and protection programs in several countries. Furthermore, the Bank developed a ¿Knowledge Bank¿ that would market ideas and knowledge to its clients along with investment projects. This aimed to put the best global knowledge on environmentally sustainable development in the hands of its staff and clients. During the celebration of 1997, as the International Year of the Reef, the Bank planned to cosponsor an associated event that would highlight the significance of coral reefs and encourage immediate action to halt their degradation to conserve this unique ecosystem.

Percent Forest Adjacent to Streams (Future)

Data.gov (United States)

U.S. Environmental Protection Agency — The type of vegetation along a stream influences the water quality in the stream. Intact buffer strips of natural vegetation along streams tend to intercept...

Percent Agriculture Adjacent to Streams (Future)

Data.gov (United States)

U.S. Environmental Protection Agency — The type of vegetation along a stream influences the water quality in the stream. Intact buffer strips of natural vegetation along streams tend to intercept...

The Morphology of Streams Restored for Market and Nonmarket Purposes: Insights From a Mixed Natural-Social Science Approach

Science.gov (United States)

Singh, J.; Doyle, M.; Lave, R.; Robertson, M.

2015-12-01

Stream restoration is increasingly driven by compensatory mitigation; impacts to streams associated with typical land development activities must be offset via restoration of streams elsewhere. This policy creates an environment where restored stream 'credits' are traded under market-like conditions, comparable to wetland mitigation, carbon offsets, or endangered species habitat banking. The effect of mitigation on restoration design and construction is unknown. We use geomorphic surveys to quantify the differences between restored and nonrestored streams, and the difference between streams restored for market purposes (compensatory mitigation) from those restored for nonmarket programs. Physical study sites are located in the state of North Carolina, USA. We also analyze the social and political-economic drivers of the stream restoration and mitigation industry using analysis of policy documents and interviews with key personnel including regulators, mitigation bankers, stream designers, and scientists. Restored streams are typically wider, shallower and geomorphically more homogeneous than nonrestored streams. For example, nonrestored streams are typically characterized by more than an order of magnitude variability in radius of curvature and meander wavelength within a single study reach. By contrast, the radius of curvature in many restored streams does not vary for nearly the entire project reach. Streams restored for the mitigation market are typically headwater streams and part of a large, complex of long restored main channels, and many restored tributaries; streams restored for nonmarket purposes are typically shorter and consist of the main channel only. Interviews reveal that social forces shape the morphology of restored streams. Designers integrate many influences including economic and regulatory constraints, but traditions of practice have a large influence as well. Home to a fairly mature stream mitigation banking market, North Carolina can provide

Bank Risk-taking, Country Financial Capacity and Bank Bailouts in Crisis Periods

DEFF Research Database (Denmark)

Schiozer, Rafael Felipe; Vilarins, Ramon S.; Mourad, Frederico A.

, in normal times, rescue guarantees to large financial institutions distort competition in the sector and increase the risk of the unprotected institutions. Moreover, unprotected banks decrease their risk exposures faster than protected banks after the eruption of the 2007-2008 crisis, particularly......This paper analyzes the impact of government bailout policies on the risk of the banking sector in OECD countries between 2005 and 2013. Consistent with previous literature, we verify that financial institutions with high bailout expectations assume higher risks than others do. We also find that...

Dynamics of physicochemical parameter concentrations in the Graniczna Woda stream water

Directory of Open Access Journals (Sweden)

Żarnowiec Wioletta

2017-12-01

Full Text Available The paper presents variability of physicochemical parameter concentrations and determined the potential and chemical status of water in the Graniczna Woda stream, the right bank tributary to the Stoła River. The stream catchment area of 41.5 km2 is covered mainly by forests. A lowland stream flows through part of the Upper Silesia Industrial Region through three districts. A biological-mechanical municipal sewage treatment plant operates in the area of Miasteczko Śląskie, as well as a factory sewage treatment plant of Zinc Plant. The data base used in the papers consisted of the results obtained from the Provincial Inspectorate of the Environmental Protection in Katowice, monthly analyses of water samples collected in the years 2009–2013 in the control-measurement points located by the mouth of the Stoła River. 34 physicochemical indices were analyzed in the paper. Statistically significant upward trends were determined over the period of investigations for values of electrical conductivity (EC, total suspended solids, Cl, SO4, NO2-N and Zn in the stream water. Statistically significant downward trend was noted for total hardness. It was stated that both the potential and chemical status o the stream water were below good. Exceeded limit values for quality class II determined for oxygen and organic indices (chemical oxygen demand COD-Mn, total organic carbon TOC, salinity (EC, SO4, Cl, Ca, hardness and biogenic indices and substances particularly harmful for aquatic environment (Zn, Tl as well as exceeded allowable heavy metal concentrations may evidence a constant inflow of heavy metals to the aquatic environment of the Graniczna Woda stream from municipal and industrial sewage.

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.

Streaming Video Games: Copyright Infringement or Protected Speech?

Directory of Open Access Journals (Sweden)

Eirik Evert Elias Jungar

2016-12-01

Full Text Available Streaming video games, that is, live broadcasting playing video games on the internet, is incredibly popular. Millions tune into twitch.tv daily to watch eSport tournaments, their favourite streamer, and chat with other viewers. But all is not rosy in the world of streaming games. Recently, some game developers have aggressively exercised their copyright to, firstly, claim part of the streamers’ revenue, and secondly, control the context in which their game is shown. The article analyzes whether game developers have, and should have, such rights under EU copyright law. Reaching the conclusion that video game streams infringe the game developer’s right to communicate their works to the public, I argue that freedom of expression can and should be used to rein in their rights in certain cases. Subjecting the lawfulness of streams to game developers’ good will risks stifling the expressions of streamers. The streamers, their audience, and even the copyright holders, would be worse off for it.

77 FR 74985 - Water Quality Standards for the State of Florida's Streams and Downstream Protection Values for...

Science.gov (United States)

2012-12-18

... Water Quality Standards for the State of Florida's Streams and Downstream Protection Values for Lakes... its numeric water quality standards for nutrients in Florida that were promulgated and published on.... Water Quality Criteria D. EPA Determination Regarding Florida and EPA's Rulemaking E. EPA Promulgation...

DARC PLURIDATA system: the /sup 13/C-N. M. R. data bank

Energy Technology Data Exchange (ETDEWEB)

Dubois, J E; Bonnet, J C [Paris-7 Univ., 75 (France)

1979-09-15

The capabilities of the DARC system are discussed and illustrated by the storage and retrieval functions of the /sup 13/C-N.M.R. data bank of the DARC PLURIDATA system. The data covered by the bank, as well as the input stream to the bank and validation of the spectra, are described. Particular stress is laid on the DARC structural retrieval system, which illustrates the interactive interrogration of a chemical bank by means of the structural diagram of a molecule, i.e. the universal language in chemistry. The potential of the /sup 13/C-N.M.R. data bank in computer-aided structural elucidation is outlined.

Improvements in Quantifying Bank Erosion for Sediment Budgets within the Chesapeake Bay Watershed by Integrating Structure-From-Motion Photogrammetry

Science.gov (United States)

Bell, J. M.; Cashman, M. J.; Nibert, L.; Jackson, S.

2017-12-01

Fine sediment is a major source of pollution due to its ability to attenuate light, smother habitat, and sorb and transport nutrients, such as phosphorus and nitrogen. Piedmont streams in the Mid-Atlantic region of the United States are frequently characterized as incised with steep, highly erodible banks of legacy sediment that can contribute to high sediment loads. Multiple sediment fingerprinting studies in this region have demonstrated that stream banks can contribute a large proportion of the total sediment load, but stream banks are frequently overlooked in sediment delivery models and Total Maximum Daily Load allocations. The direct quantification of bank erosion is therefore essential to producing accurate sediment budgets, which are needed to inform the targeted mitigation and remediation of degraded fluvial systems. This study contrasts the use of traditional bank pin measurements, structure-from-motion photogrammetric techniques, and aerial LIDAR at sites within Maryland, USA. Bank pin measurements, representing only single points in space, were found to be highly variable with subjective initial placement often missing nearby, large-scale bank failures. In contrast, photogrammetric techniques, using structure-from-motion, were able to capture a more spatially-complete streambank profile. Using a Nikon D810 camera, bank scans were able to reconstruct banks with a RMSE as low as 0.1mm and repeat scan alignment resolution of bank-erosion over multi-year timescales. Future work will include difference mapping channel features at watershed scales. This photogrammetric approach of quantifying geomorphic change, when coupled with bank-sediment bulk density, has promise to accurately quantify volumetric change as well as sediment loads originating from bank erosion, and may provide valuable data of the quantification of bank erosion for incorporation into regional sediment models.

40 CFR 73.36 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 16 2010-07-01 2010-07-01 false Banking. 73.36 Section 73.36... ALLOWANCE SYSTEM Allowance Tracking System § 73.36 Banking. (a) Compliance accounts. Any allowance in a compliance account not deducted pursuant to § 73.35 will remain in the compliance account. (b) General...

Riparian forest buffers mitigate the effects of deforestation on fish assemblages in tropical headwater streams.

Science.gov (United States)

Lorion, Christopher M; Kennedy, Brian P

2009-03-01

Riparian forest buffers may play a critical role in moderating the impacts of deforestation on tropical stream ecosystems, but very few studies have examined the ecological effects of riparian buffers in the tropics. To test the hypothesis that riparian forest buffers can reduce the impacts of deforestation on tropical stream biota, we sampled fish assemblages in lowland headwater streams in southeastern Costa Rica representing three different treatments: (1) forested reference stream reaches, (2) stream reaches adjacent to pasture with a riparian forest buffer averaging at least 15 m in width on each bank, and (3) stream reaches adjacent to pasture without a riparian forest buffer. Land cover upstream from the study reaches was dominated by forest at all of the sites, allowing us to isolate the reach-scale effects of the three study treatments. Fish density was significantly higher in pasture reaches than in forest and forest buffer reaches, mostly due to an increase in herbivore-detritivores, but fish biomass did not differ among reach types. Fish species richness was also higher in pasture reaches than in forested reference reaches, while forest buffer reaches were intermediate. Overall, the taxonomic and trophic structure of fish assemblages in forest and forest buffer reaches was very similar, while assemblages in pasture reaches were quite distinct. These patterns were persistent across three sampling periods during our 15-month study. Differences in stream ecosystem conditions between pasture reaches and forested sites, including higher stream temperatures, reduced fruit and seed inputs, and a trend toward increased periphyton abundance, appeared to favor fish species normally found in larger streams and facilitate a native invasion process. Forest buffer reaches, in contrast, had stream temperatures and allochthonous inputs more similar to forested streams. Our results illustrate the importance of riparian areas to stream ecosystem integrity in the tropics

NEA data bank

International Nuclear Information System (INIS)

1983-01-01

This paper is an introduction to the NEA data bank. The essential programs and data for nuclear energy calculations are available from the Data Bank. The Data Bank's role, in co-operation with other centers, is to protect the technological capital represented by the programs and data in its collection, which is unique in covering nearly the whole field of reactor physics at a single center (Saclay). The compilation and exchange of experimental and evaluated neutron and other nuclear data is carried out through a world-wide information network. The tasks now assigned to the Data Bank are in the areas of computer program packaging, neutron data compilation, assembly and benchmark testing of the Joint Evaluated File (JEF) of neutron cross-section data, and servicing the NEA scientific committees, as well as providing a computer service to the main NEA secretariat. In all areas the emphasis is on developing a ''value added'' element to the incoming data or computer codes, by validation documentation and presentation of information in a convenient standard form. The services offered by the Data Bank and the computers used by the Data Bank are presented

Groundwater Discharge along a Channelized Coastal Plain Stream

Energy Technology Data Exchange (ETDEWEB)

LaSage, Danita M [Ky Dept for natural resources, Div of Mine Permits; Sexton, Joshua L [JL Sexton and Son; Mukherjee, Abhijit [Univ of Tx, Jackson School of Geosciences, Bur of Econ. Geology; Fryar, Alan E [Univ of KY, Dept of Earth and Geoligical Sciences; Greb, Stephen F [Univ of KY, KY Geological Survey

2015-10-01

In the Coastal Plain of the southeastern USA, streams have commonly been artificially channelized for flood control and agricultural drainage. However, groundwater discharge along such streams has received relatively little attention. Using a combination of stream- and spring-flow measurements, spring temperature measurements, temperature profiling along the stream-bed, and geologic mapping, we delineated zones of diffuse and focused discharge along Little Bayou Creek, a channelized, first-order perennial stream in western Kentucky. Seasonal variability in groundwater discharge mimics hydraulic-head fluctuations in a nearby monitoring well and spring-discharge fluctuations elsewhere in the region, and is likely to reflect seasonal variability in recharge. Diffuse discharge occurs where the stream is incised into the semi-confined regional gravel aquifer, which is comprised of the Mounds Gravel. Focused discharge occurs upstream where the channel appears to have intersected preferential pathways within the confining unit. Seasonal fluctuations in discharge from individual springs are repressed where piping results in bank collapse. Thereby, focused discharge can contribute to the morphological evolution of the stream channel.

Development of protected endorsement for online banking using mobile phones

Science.gov (United States)

Narayana, Galla; Venkateswarlu, Tammineni; Kumar, G. S. P.; Padmavathamma, Mokkala; Sreekanth, G.; Delhibabu, K.; Prasad, A. R.

2013-03-01

Securing Online Banking transactions for customer is the primary goal of financial institutions that provides Internet banking facility. Mobile phones play an important role in our society as more and more functions having been integrated within mobile phones, such as Internet browsing, mobile banking, and shopping. Mobiles phones can be used to secure ATM card pins by sending to the customer directly rather than in emails or by other means which has a possibility of hacking. In this paper we have proposed method of generating a Private Key Security Token by bank authentication servers which uses IMSI registers and IMEI number of client's mobile registered. The key is generated by implementing RIPE MD160 and Hex Encode Algorithm. Token received is valid only for that client mobile only and can be generated upon request by customer dynamically. The client is given a PIN and a Master Key when registered to the Online Banking Services. If in case a client's mobile is lost, authentication is done using Unique Master Key, else the Private Key Token is used there by making transactions secured and simple without the need of carrying any USB Tokens. The additional functionality provides the client more security on their transactions. Due to this Phishing attacks by the hackers is avoided.

Analyzing indicators of stream health for Minnesota streams

Science.gov (United States)

Singh, U.; Kocian, M.; Wilson, B.; Bolton, A.; Nieber, J.; Vondracek, B.; Perry, J.; Magner, J.

2005-01-01

Recent research has emphasized the importance of using physical, chemical, and biological indicators of stream health for diagnosing impaired watersheds and their receiving water bodies. A multidisciplinary team at the University of Minnesota is carrying out research to develop a stream classification system for Total Maximum Daily Load (TMDL) assessment. Funding for this research is provided by the United States Environmental Protection Agency and the Minnesota Pollution Control Agency. One objective of the research study involves investigating the relationships between indicators of stream health and localized stream characteristics. Measured data from Minnesota streams collected by various government and non-government agencies and research institutions have been obtained for the research study. Innovative Geographic Information Systems tools developed by the Environmental Science Research Institute and the University of Texas are being utilized to combine and organize the data. Simple linear relationships between index of biological integrity (IBI) and channel slope, two-year stream flow, and drainage area are presented for the Redwood River and the Snake River Basins. Results suggest that more rigorous techniques are needed to successfully capture trends in IBI scores. Additional analyses will be done using multiple regression, principal component analysis, and clustering techniques. Uncovering key independent variables and understanding how they fit together to influence stream health are critical in the development of a stream classification for TMDL assessment.

PERLINDUNGAN HUKUM BAGI NASABAH TERHADAP KEAMANAN DATA PRIBADI NASABAH DALAM LAYANAN INTERNET BANKING

OpenAIRE

MEDITA, RILDAYANTI

2014-01-01

Protection of the law for customers against data on internet service banking, because in practice the internet service banking is one of delivery channels service banking related to the one hand, has given a lot of benefits, but at the other side of the risk that can cause a loss for customers. In connection with that, protection of customers for data on internet service banking is required in order to protect the rights of customers as consumer services sector. Research to know how that prot...

An Asset Protection Scheme for Banks Exposed to Troubled Loan Portfolios

DEFF Research Database (Denmark)

Grosen, Anders; Jessen, Pernille; Kokholm, Thomas

2014-01-01

We examine a specific portfolio credit derivative, an Asset Protection Scheme (APS), and its applicability as a discretionary regulatory tool to reduce asymmetric information and help restore the capital base of troubled banks. The APS can be a fair-valued contract with an appropriate structure...... of incentives. We apply two alternative multivariate structural default risk models: the classical Gaussian Merton model and a model based on Normal Inverse Gaussian processes. Using a data set on annual farm level data from 1996 to 2009, we use the Danish agricultural sector as a case study and price an APS...... on an agricultural loan portfolio. We compute the economic capital for this loan portfolio with and without an APS. Moreover, we illustrate how model risk in the form of parameter uncertainty is reduced when an APS is attached to the loan portfolio....

Investigating methods of stream planform identification

Science.gov (United States)

Lohberg, M. M.; Lusk, K.; Miller, D.; Stonedahl, F.; Stonedahl, S. H.

2013-12-01

Stream planforms are used to map scientific measurements, estimate volumetric discharge, and model stream flow. Changes in these planforms can be used to quantify erosion and water level fluctuations. This research investigated five cost-effective methods of identifying stream planforms: (1) consumer-grade digital camera GPS (2) multi-view stereo 3D scene reconstruction (using Microsoft Photosynth (TM)) (3) a cross-sectional measurement approach (4) a triangulation-based measurement approach and (5) the 'square method' - a novel photogrammetric procedure which involved floating a large wooden square in the stream, photographing the square and banks from numerous angles and then using the square to correct for perspective and extract the outline (using custom post-processing software). Data for each of the five methods was collected at Blackhawk Creek in Davenport, Iowa. Additionally we placed 30 control points near the banks of the stream and measured 88 lengths between these control points. We measured or calculated the locations of these control points with each of our five methods and calculated the average percent error associated with each method using the predicted control point locations. The effectiveness of each method was evaluated in terms of accuracy, affordability, environmental intrusiveness, and ease of use. The camera equipped with GPS proved to be a very ineffective method due to an extremely high level of error, 289%. The 3D point cloud extracted from Photosynth was missing markers for many of the control points, so the error calculation (which yielded 11.7%) could only be based on five of the 88 lengths and is thus highly uncertain. The two non-camera methods (cross-sectional and triangulation measurements) resulted in low percent error (2.04% and 1.31% respectively) relative to the control point lengths, but these methods were very time consuming, exhausting, and only provided low resolution outlines. High resolution data collection would

Comparison of fish assemblages in two littoral habitats in a Neotropical morichal stream in Venezuela

Directory of Open Access Journals (Sweden)

Carmen G. Montaña

Full Text Available Morichales are lowland streams in South American savannas with riparian forest dominated by the moriche palm (Mauritia flexuosa. We sampled littoral habitats from ten flooded vegetated patches (dominated by Mauritiella aculeate and six sand banks in two months of the dry season (Feb-Mar 2005 in a stream in the savannas of Apure State, Venezuela. We collected samples that compromised 12,407 individual fishes of 107 species. Small-bodied fishes (< 100 mm, representing diverse trophic and life history strategies, were abundant. The most abundant species were in the families Characidae and Cichlidae. Fish assemblages from flooded vegetated patches differed significantly from those on adjacent sand banks. High structural complexity along vegetated shoreline habitats of morichal streams likely contributes to species richness and affects assemblage composition.

Health care fraud and abuse data collection program: technical revisions to healthcare integrity and protection data bank data collection activities. Interim final rule with comment period.

Science.gov (United States)

2004-06-17

The rule makes technical changes to the Healthcare Integrity and Protection Data Bank (HIPDB) data collection reporting requirements set forth in 45 CFR part 61 by clarifying the types of personal numeric identifiers that may be reported to the data bank in connection with adverse actions. Specifically, the rule clarifies that in lieu of a Social Security Number (SSN), an individual taxpayer identification number (ITIN) may be reported to the data bank when, in those limited situations, an individual does not have an SSN.

Improving Soil Seed Bank Management.

Science.gov (United States)

Haring, Steven C; Flessner, Michael L

2018-05-08

Problems associated with simplified weed management motivate efforts for diversification. Integrated weed management uses fundamentals of weed biology and applied ecology to provide a framework for diversified weed management programs; the soil seed bank comprises a necessary part of this framework. By targeting seeds, growers can inhibit the propagule pressure on which annual weeds depend for agricultural invasion. Some current management practices affect weed seed banks, such as crop rotation and tillage, but these tools are often used without specific intention to manage weed seeds. Difficulties quantifying the weed seed bank, understanding seed bank phenology, and linking seed banks to emerged weed communities challenge existing soil seed bank management practices. Improved seed bank quantification methods could include DNA profiling of the soil seed bank, mark and recapture, or 3D LIDAR mapping. Successful and sustainable soil seed bank management must constrain functionally diverse and changing weed communities. Harvest weed seed controls represent a step forward, but over-reliance on this singular technique could make it short-lived. Researchers must explore tools inspired by other pest management disciplines, such as gene drives or habitat modification for predatory organisms. Future weed seed bank management will combine multiple complementary practices that enhance diverse agroecosystems. This article is protected by copyright. All rights reserved.

Role of submerged vegetation in the retention processes of three plant protection products in flow-through stream mesocosms.

Science.gov (United States)

Stang, Christoph; Wieczorek, Matthias Valentin; Noss, Christian; Lorke, Andreas; Scherr, Frank; Goerlitz, Gerhard; Schulz, Ralf

2014-07-01

Quantitative information on the processes leading to the retention of plant protection products (PPPs) in surface waters is not available, particularly for flow-through systems. The influence of aquatic vegetation on the hydraulic- and sorption-mediated mitigation processes of three PPPs (triflumuron, pencycuron, and penflufen; logKOW 3.3-4.9) in 45-m slow-flowing stream mesocosms was investigated. Peak reductions were 35-38% in an unvegetated stream mesocosm, 60-62% in a sparsely vegetated stream mesocosm (13% coverage with Elodea nuttallii), and in a similar range of 57-69% in a densely vegetated stream mesocosm (100% coverage). Between 89% and 93% of the measured total peak reductions in the sparsely vegetated stream can be explained by an increase of vegetation-induced dispersion (estimated with the one-dimensional solute transport model OTIS), while 7-11% of the peak reduction can be attributed to sorption processes. However, dispersion contributed only 59-71% of the peak reductions in the densely vegetated stream mesocosm, where 29% to 41% of the total peak reductions can be attributed to sorption processes. In the densely vegetated stream, 8-27% of the applied PPPs, depending on the logKOW values of the compounds, were temporarily retained by macrophytes. Increasing PPP recoveries in the aqueous phase were accompanied by a decrease of PPP concentrations in macrophytes indicating kinetic desorption over time. This is the first study to provide quantitative data on how the interaction of dispersion and sorption, driven by aquatic macrophytes, influences the mitigation of PPP concentrations in flowing vegetated stream systems. Copyright © 2014 Elsevier Ltd. All rights reserved.

12 CFR 568.5 - Protection of customer information.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Protection of customer information. 568.5 Section 568.5 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITY PROCEDURES § 568.5 Protection of customer information. Savings associations and their subsidiaries (except...

Particulate hot gas stream cleanup technical issues

Energy Technology Data Exchange (ETDEWEB)

Pontius, D.H.; Snyder, T.R.

1999-09-30

The analyses of hot gas stream cleanup particulate samples and descriptions of filter performance studied under this contract were designed to address problems with filter operation that have been linked to characteristics of the collected particulate matter. One objective of this work was to generate an interactive, computerized data bank of the key physical and chemical characteristics of ash and char collected from operating advanced particle filters and to relate these characteristics to the operation and performance of these filters. The interactive data bank summarizes analyses of over 160 ash and char samples from fifteen pressurized fluidized-bed combustion and gasification facilities utilizing high-temperature, high pressure barrier filters.

Macrophyte presence is an indicator of enhanced denitrification and nitrification in sediments of a temperate restored agricultural stream

Science.gov (United States)

Stream macrophytes are often removed with their sediments to deepen stream channels, stabilize channel banks, or provide habitat for target species. These sediments may support enhanced nitrogen processing. To evaluate sediment nitrogen processing, identify seasonal patterns, and...

Simplicispira soli sp. nov., a betaproteobacterium isolated from stream bank soil.

Science.gov (United States)

Dahal, Ram Hari; Kim, Jaisoo

2018-02-05

Two strains of soil bacteria, designated CA-16 T and CA-161, were isolated from a sample of stream bank soil near Kyonggi University. Cells were strictly aerobic, Gram-stain-negative, catalase-negative, oxidase-positive, motile, non-spore-forming and rod-shaped. Colonies on tryptone soya agar were brownish cream in colour. Tyrosine, Tween 60 and Tween 40 were hydrolysed. The indole test was positive. Malic acid, lactic acid and valeric acid were assimilated. Phylogenetic analysis based on their 16S rRNA gene sequences revealed that strains CA-16 T and CA-161 formed a lineage within the family Comamonadaceae of the class Betaproteobacteria that were distinct from various species of the genus Simplicispira. Strain CA-16 T was most closely related to Simplicispira metamorpha DSM 1837 T (97.86 % sequence similarity), Simplicispira limi EMB325 T (97.72 %), Simplicispira psychrophila DSM 11588 T (96.83 %) and Simplicispira piscis RSG39 T (96.71 %). Both strains contained Q-8 as the major isoprenoid quinone. The major polar lipids of the strains were phosphatidylglycerol, phosphatidylethanolamine and diphosphatidylglycerol. The major cellular fatty acids were summed feature 3 (C16 : 1ω7c and/or C16 : 1ω6c), C18 : 1ω7c-11methyl, C16 : 0, summed feature 8 (C18 : 1ω7c and/or C18 : 1ω6c) and C12 : 0. The DNA G+C contents of the strains were 63.9-64.4 mol%. DNA-DNA hybridization similarities between strain CA-16 T and other closest members of the genus Simplicispira ranged from 16 % to 24 %. On the basis of phenotypic, genotypic, chemotaxonomic and phylogenetic analyses, strains CA-16 T and CA-161 represent a single novel species of the genus Simplicispira, for which the name Simplicispirasoli sp. nov. is proposed. The type strain is CA-16 T (=KEMB 9005-529 T =KACC 19107 T =NBRC 112689 T ).

SYNERGY OF INFORMATION COMMUNICATION TECHNOLOGIES AND THE BANKING SYSTEM IN THE FUNCTIONING OF SUCCESSFUL BANKING OPERATIONS

Directory of Open Access Journals (Sweden)

Dario Kovačević

2017-01-01

Full Text Available Nowadays, modern banking cannot function without information and communications technology; hence banks heavily invest in the implementation of technology currently present on the market. Every aspect of the banking business includes information and communications technology, which points to the necessity of building an infrastructure for modern banking. Investing in development and implementation of new technologies simplifies everyday business activities and security, in addition to creating a competitive edge over rival businesses. It ensures fast and efficient customer service delivery by providing support to the distribution channels, as well as supporting bankers with making crucial decisions. The aim of this paper is to analyse trends in the use of information and communications technologies in the banking system, using publicly available business data, documentation and online bank information, as well as previously published findings of other researchers. Using the example of one of the largest banks in the Republic of Croatia, the possibilities provided by information and communications technology in the banking business sector are illustrated. Additionally, better economic efficiency and effectiveness, as well as the means of contemporary bank functioning are presented. Special attention is devoted to the security of ICT systems used in Internet Banking and the protection of banking service users’ data.

The Glacial and Relative Sea Level History of Southern Banks Island, NT, Canada

Science.gov (United States)

Vaughan, Jessica Megan

The mapping and dating of surficial glacial landforms and sediments across southern Banks Island document glaciation by the northwest Laurentide Ice Sheet (LIS) during the last glacial maximum. Geomorphic landforms confirm the operation of an ice stream at least 1000 m thick in Amundsen Gulf that was coalescent with thin, cold-based ice crossing the island's interior, both advancing offshore onto the polar continental shelf. Raised marine shorelines across western and southern Banks Island are barren, recording early withdrawal of the Amundsen Gulf Ice Stream prior to the resubmergence of Bering Strait and the re-entry of Pacific molluscs ~13,750 cal yr BP. This withdrawal resulted in a loss of ~60,000 km2 of ice --triggering drawdown from the primary northwest LIS divide and instigating changes in subsequent ice flow. The Jesse moraine belt on eastern Banks Island records a lateglacial stillstand and/or readvance of Laurentide ice in Prince of Wales Strait (13,750 -- 12,750 cal yr BP). Fossiliferous raised marine sediments that onlap the Jesse moraine belt constrain final deglaciation to ~12,600 cal yr BP, a minimum age for the breakup of the Amundsen Gulf Ice Stream. The investigation of a 30 m thick and 6 km wide stratigraphic sequence at Worth Point, southwest Banks Island, identifies an advance of the ancestral LIS during the Mid-Pleistocene (sensu lato), substantially diversifying the glacial record on Banks Island. Glacial ice emplaced during this advance has persisted through at least two glacial-interglacial cycles, demonstrating the resilience of circumpolar permafrost. Pervasive deformation of the stratigraphic sequence also records a detailed history of glaciotectonism in proglacial and subglacial settings that can result from interactions between cold-based ice and permafrost terrain. This newly recognized history rejects the long-established paleoenvironmental model of Worth Point that assumed a simple 'layer-cake' stratigraphy.

A novel analytical solution for estimating aquifer properties within a horizontally anisotropic aquifer bounded by a stream

Science.gov (United States)

Huang, Yibin; Zhan, Hongbin; Knappett, Peter S. K.

2018-04-01

Past studies modeling stream-aquifer interaction commonly account for vertical anisotropy in hydraulic conductivity, but rarely address horizontal anisotropy, which may exist in certain sedimentary environments. If present, horizontal anisotropy will greatly impact stream depletion and the amount of recharge a pumped aquifer captures from the river. This scenario requires a different and somewhat more sophisticated mathematical approach to model and interpret pumping test results than previous models used to describe captured recharge from rivers. In this study, a new mathematical model is developed to describe the spatiotemporal distribution of drawdown from stream-bank pumping with a well screened across a horizontally anisotropic, confined aquifer, laterally bounded by a river. This new model is used to estimate four aquifer parameters including the magnitude and directions of major and minor principal transmissivities and storativity based on the observed drawdown-time curves within a minimum of three non-collinear observation wells. In order to approve the efficacy of the new model, a MATLAB script file is programmed to conduct a four-parameter inversion to estimate the four parameters of concern. By comparing the results of analytical and numerical inversions, the accuracy of estimated results from both inversions is acceptable, but the MATLAB program sometimes becomes problematic because of the difficulty of separating the local minima from the global minima. It appears that the new analytical model of this study is applicable and robust in estimating parameter values for a horizontally anisotropic aquifer laterally bounded by a stream. Besides that, the new model calculates stream depletion rate as a function of stream-bank pumping. Unique to horizontally anisotropic and homogeneous aquifers, the stream depletion rate at any given pumping rate depends closely on the horizontal anisotropy ratio and the direction of the principle transmissivities relative to

Oblique aggradation : A novel explanation for sinuosity of low-energy streams in peat-filled valley systems

NARCIS (Netherlands)

Candel, Jasper H J; Makaske, Bart; Storms, J.E.A.; Wallinga, J.

2017-01-01

Low-energy streams in peatlands often have a high sinuosity. However, it is unknown how this sinuous planform formed, since lateral migration of the channel is hindered by relatively erosion-resistant banks. We present a conceptual model of Holocene morphodynamic evolution of a stream in a

Oblique aggradation: a novel explanation for sinuosity of low-energy streams in peat-filled valley systems

NARCIS (Netherlands)

Candel, J.H.J.; Makaske, A.; Storms, J.E.A.; Wallinga, J.

2017-01-01

Low-energy streams in peatlands often have a high sinuosity. However, it is unknown how this sinuous planform formed, since lateral migration of the channel is hindered by relatively erosion-resistant banks. We present a conceptual model of Holocene morphodynamic evolution of a stream in a

Observations of the Magellanic Stream between declinations -200 and 00

International Nuclear Information System (INIS)

Cohen, R.J.

1982-01-01

The region of the Magellanic Stream between RA 23sup(h) 00sup(m) and 00sup(h) 20sup(m) and Dec - 20 0 and 0 0 (1950) has been mapped in the 21-cm line of neutral hydrogen using the Jodrell Bank Mk II telescope (beamwidth 31 x 34 arcmin 2 ). The detection level of the measurements is 0.1 K. The Stream is much more extensive in this part of the sky than hitherto realized, and has a very complex filamentary structure. All the filaments follow a regular velocity pattern. In addition to the known gradient of velocity along the Stream there is a gradient transverse to the Stream. In this and other respects the Stream is very similar to tidal bridges and tails seen in the nearby M81 group of galaxies. (author)

History, physical effects, and management implications of large organic debris in western Oregon streams.

Science.gov (United States)

Frederick Swanson; George W. Lienkaemper; James R. Sedell

1976-01-01

Large organic debris has historically been an important element in small mountain streams of the Pacific Northwest. The debris serves to slow the movement of water and inorganic and fine organic matter through the channel. Debris may remain in the channel for decades or longer, and tends to stabilize some sections of a streambed and stream banks while destabilizing...

A Novel Analytical Solution for Estimating Aquifer Properties and Predicting Stream Depletion Rates by Pumping from a Horizontally Anisotropic Aquifer

Science.gov (United States)

Huang, Y.; Zhan, H.; Knappett, P.

2017-12-01

Past studies modeling stream-aquifer interactions commonly account for vertical anisotropy, but rarely address horizontal anisotropy, which does exist in certain geological settings. Horizontal anisotropy is impacted by sediment deposition rates, orientation of sediment particles and orientations of fractures etc. We hypothesize that horizontal anisotropy controls the volume of recharge a pumped aquifer captures from the river. To test this hypothesis, a new mathematical model was developed to describe the distribution of drawdown from stream-bank pumping with a well screened across a horizontally anisotropic, confined aquifer, laterally bounded by a river. This new model was used to determine four aquifer parameters including the magnitude and directions of major and minor principal transmissivities and storativity based on the observed drawdown-time curves within a minimum of three non-collinear observation wells. By comparing the aquifer parameters values estimated from drawdown data generated known values, the discrepancies of the major and minor transmissivities, horizontal anisotropy ratio, storativity and the direction of major transmissivity were 13.1, 8.8, 4, 0 and managers to exploit groundwater resource reasonably while protecting stream ecosystem.

Base flow-driven shifts in tropical stream temperature regimes across a mean annual rainfall gradient

Science.gov (United States)

Ayron M. Strauch; Richard A. MacKenzie; Ralph W. Tingley

2017-01-01

Climate change is expected to affect air temperature and watershed hydrology, but the degree to which these concurrent changes affect stream temperature is not well documented in the tropics. How stream temperature varies over time under changing hydrologic conditions is difficult to isolate from seasonal changes in air temperature. Groundwater and bank storage...

Finding of No Significant Impact: Proposed Bank Stabilization Tennessee River River Mile 466.2 - 466.5, Hamilton County, Tennessee

Science.gov (United States)

2013-05-02

Bank erosion is endangering approximately 1,100 feet of a 42-inch concrete gravity sanitary main, two manholes, and a 30-inch iron sanitary sewer...stabilizing the bank. Kingfisher nests are excavated burrows with bare soil along stream banks (USACE, 2009). “Banks with a high content of clay , gravel, or...34’ g -- - -- - - ---- --- -------- 1 LEGEND ESTIMATED 42’’ GRAVITY SEWER LINE ESTIMATED 30’’ FORCE MAIN ® SANITARY SEWER MANHOLE • AUTO

Contrasting landscape influences on sediment supply and stream restoration priorities in northern Fennoscandia (Sweden and Finland) and coastal British Columbia.

Science.gov (United States)

Rosenfeld, Jordan; Hogan, Daniel; Palm, Daniel; Lundquist, Hans; Nilsson, Christer; Beechie, Timothy J

2011-01-01

Sediment size and supply exert a dominant control on channel structure. We review the role of sediment supply in channel structure, and how regional differences in sediment supply and land use affect stream restoration priorities. We show how stream restoration goals are best understood within a common fluvial geomorphology framework defined by sediment supply, storage, and transport. Land-use impacts in geologically young landscapes with high sediment yields (e.g., coastal British Columbia) typically result in loss of in-stream wood and accelerated sediment inputs from bank erosion, logging roads, hillslopes and gullies. In contrast, northern Sweden and Finland are landscapes with naturally low sediment yields caused by low relief, resistant bedrock, and abundant mainstem lakes that act as sediment traps. Land-use impacts involved extensive channel narrowing, removal of obstructions, and bank armouring with boulders to facilitate timber floating, thereby reducing sediment supply from bank erosion while increasing export through higher channel velocities. These contrasting land-use impacts have pushed stream channels in opposite directions (aggradation versus degradation) within a phase-space defined by sediment transport and supply. Restoration in coastal British Columbia has focused on reducing sediment supply (through bank and hillslope stabilization) and restoring wood inputs. In contrast, restoration in northern Fennoscandia (Sweden and Finland) has focused on channel widening and removal of bank-armouring boulders to increase sediment supply and retention. These contrasting restoration priorities illustrate the consequences of divergent regional land-use impacts on sediment supply, and the utility of planning restoration activities within a mechanistic sediment supply-transport framework.

The Midwest Stream Quality Assessment—Influences of human activities on streams

Science.gov (United States)

Van Metre, Peter C.; Mahler, Barbara J.; Carlisle, Daren M.; Coles, James F.

2018-04-16

Healthy streams and the fish and other organisms that live in them contribute to our quality of life. Extensive modification of the landscape in the Midwestern United States, however, has profoundly affected the condition of streams. Row crops and pavement have replaced grasslands and woodlands, streams have been straightened, and wetlands and fields have been drained. Runoff from agricultural and urban land brings sediment and chemicals to streams. What is the chemical, physical, and biological condition of Midwestern streams? Which physical and chemical stressors are adversely affecting biological communities, what are their origins, and how might we lessen or avoid their adverse effects?In 2013, the U.S. Geological Survey (USGS) conducted the Midwest Stream Quality Assessment to evaluate how human activities affect the biological condition of Midwestern streams. In collaboration with the U.S. Environmental Protection Agency National Rivers and Streams Assessment, the USGS sampled 100 streams, chosen to be representative of the different types of watersheds in the region. Biological condition was evaluated based on the number and diversity of fish, algae, and invertebrates in the streams. Changes to the physical habitat and chemical characteristics of the streams—“stressors”—were assessed, and their relation to landscape factors and biological condition was explored by using mathematical models. The data and models help us to better understand how the human activities on the landscape are affecting streams in the region.

Government Policy and the Banking Crisis: Vindicated, Misled or Flying Blind?

OpenAIRE

Tobin, Damian; TASC

2010-01-01

Almost three years after the onset of Ireland's banking criris public disenchantment continues to increase, aggravated in part by the government's failure to provide a transparent examination for the crisis and an endless stream of revelations on the increasing cost of stabilising the banking system. The government claimed that it acted on the "best available advice" and as a consequence has been able to pin the blame for the crisis on events beyond its control. This think piece argues that t...

Mediterranean banks in EBSA area: Hotspots of biodiversity under threat.

Science.gov (United States)

Altobelli, Chiara; Perzia, Patrizia; Falautano, Manuela; Consoli, Pierpaolo; Canese, Simonepietro; Romeo, Teresa; Andaloro, Franco

2017-10-01

This study demonstrates that, in the Central Mediterranean Sea, the Graham, Nereo and Pantelleria Vecchia Banks of the Strait of Sicily represent, in the wide and diversified 'Sicily Channel' Ecological or Biological Significant Area, unknown hot spots of biodiversity threatened by human activities. The investigated banks show an high ecological and biological value (EBV), assessed through presence/absence of specific indicators. The ecological groups of Graham Bank show the maximum EBV; the same as Nereo and Pantelleria Vecchia, except for the benthic component. All three banks are highly threatened, mainly the benthic and benthopelagic ecological groups. However, these Banks still have wide pristine areas to protect and can be considered eligible sites for the imposition of area-based management measures of conservation. This study represent also a support for decision makers involved in protection of the Mediterranean open sea areas, to pinpoint other priority conservation banks. Copyright © 2017 Elsevier Ltd. All rights reserved.

Roads Near Streams

Data.gov (United States)

U.S. Environmental Protection Agency — Roads are a source of auto related pollutants (e.g. gasoline, oil and other engine fluids). When roads are near streams, rain can wash these pollutants directly into...

Liberal economic nationalism, financial stability, and Commission leniency in Banking Union

NARCIS (Netherlands)

Donnelly, Shawn

2017-01-01

This paper demonstrates that protection and promotion of insolvent banks remains a high priority for national authorities in Europe, and the Commission partially accommodates these impulses in the desire to preserve national financial stability. Insolvent banks are kept alive despite Banking Union

LIQUIDITY MANAGING A CURRENT JOB OF BANKING MANAGEMENT

Directory of Open Access Journals (Sweden)

MEDAR LUCIAN-ION

2014-02-01

Full Text Available A credit institution liquidity managing, concerns on currency flows and operative funding needs, for customer satisfaction. Correlating bank liabilities and assets reflects the overall picture of the liquidity situation. The purpose of an efficient management of bank liquidity is to ensure the normal course of banking intermediation, to protect the interests of customers on one side and of the shareholders on the other side. Through an efficient bank liquidity management, are ensured reserve requirements and especially reasonable banking capacity of deposits reimbursement to customers, correlated with period in which they are or there are not returned to the credit institution, investments in the loans and other assets.

Fishing activities on the Dogger Bank 2006-2011

NARCIS (Netherlands)

Bartelings, H.; Hamon, K.G.; Oostenbrugge, van J.A.E.

2013-01-01

In 2008, the Minister of Agriculture, Nature and Food Quality notified four proposed Sites of Community In-terest (pSCIs) to the European Commission (for protection as Special Conservation Areas (SCAs) under the Habitats Directive). These areas are the Dogger Bank, Cleaver Bank, the Coastal Zone and

SEED BANKS FOR MAGNETIC FLUX COMPRESSION GENERATORS

Energy Technology Data Exchange (ETDEWEB)

Fulkerson, E S

2008-05-14

In recent years the Lawrence Livermore National Laboratory (LLNL) has been conducting experiments that require pulsed high currents to be delivered into inductive loads. The loads fall into two categories (1) pulsed high field magnets and (2) the input stage of Magnetic Flux Compression Generators (MFCG). Three capacitor banks of increasing energy storage and controls sophistication have been designed and constructed to drive these loads. One bank was developed for the magnet driving application (20kV {approx} 30kJ maximum stored energy.) Two banks where constructed as MFCG seed banks (12kV {approx} 43kJ and 26kV {approx} 450kJ). This paper will describe the design of each bank including switching, controls, circuit protection and safety.

Lower Red River Meadow Stream Restoration Project

International Nuclear Information System (INIS)

1996-05-01

As part of a continuing effort to restore anadromous fish populations in the South Fork Clearwater River basin of Idaho, Bonneville Power Administration (BPA) proposes to fund the Lower Red River Meadow Restoration Project (Project). The Project is a cooperative effort with the Idaho Soil and Water Conservation District, Nez Perce National Forest, Idaho Department of Fish and Game (IDFG), and the Nez Perce Tribe of Idaho. The proposed action would allow the sponsors to perform stream bank stabilization, aquatic and riparian habitat improvement activities on IDFG's Red River Management Area and to secure long-term conservation contracts or agreements for conducting streambank and habitat improvement activities with participating private landowners located in the Idaho County, Idaho, study area. This preliminary Environmental Assessment (EA) examines the potential environmental effects of stabilizing the stream channel, restoring juvenile fish rearing habitat and reestablishing a riparian shrub community along the stream

In-Stream Sediment Dynamics for predicted environmental concentration calculations of plant protection products in the FOCUSSW Scenarios

Science.gov (United States)

Strehmel, Alexander; Erzgräber, Beate; Gottesbüren, Bernhard

2016-04-01

The exposure assessment for the EU registration procedure of plant protection products (PPP), which is based on the 'Forum for the co-ordination of pesticide fate models and their use' (FOCUS), currently considers only periods of 12-16 months for the exposure assessment in surface water bodies. However, in a recent scientific opinion of the European Food Safety Authority (EFSA) it is argued that in a multi-year exposure assessment, the accumulation of PPP substances in river sediment may be a relevant process. Therefore, the EFSA proposed to introduce a sediment accumulation factor in order to account for enrichment of PPP substances over several years in the sediment. The calculation of this accumulation factor, however, would consider degradation in sediment as the only dissipation path, and does not take into account riverine sediment dynamics. In order to assess the influence of deposition and the possible extent of substance accumulation in the sediment phase, the hydraulic model HEC-RAS was employed for an assessment of in-stream sediment dynamics of the FOCUS stream scenarios. The model was parameterized according to the stream characteristics of the FOCUS scenarios and was run over a period of 20 years. The results show that with the distribution of grain sizes and the ranges of flow velocity in the FOCUS streams the main sediment process in the streams is transport. First modeling results suggest that about 80% of the eroded sediment mass from the adjacent field are transported to the downstream end of the stream and out of the system, while only about 20% are deposited in the river bed. At the same time, only about 30% of in-stream sediment mass stems from the adjacent field and is associated with PPP substance, while the remaining sediment consists of the substance-free base sediment concentration regarded in the scenarios. With this, the hydraulic modelling approach is able to support the development of a meaningful sediment accumulation factor by

76 FR 4532 - Safety Zone; 500 Yards North and South, Bank to Bank, of Position 29°48.77′ N 091°33.02′ W...

Science.gov (United States)

2011-01-26

...-AA00 Safety Zone; 500 Yards North and South, Bank to Bank, of Position 29[deg]48.77' N 091[deg]33.02' W... and South, bank to bank, of position 29[deg]48.77' N 091[deg]33.02' W, Charenton Drainage and Navigation Canal, St. Mary Parish, LA. This Safety Zone is needed to protect the general public, vessels and...

Ferrovibrio soli sp. nov., a novel cellulolytic bacterium isolated from stream bank soil.

Science.gov (United States)

Dahal, Ram Hari; Kim, Jaisoo

2018-01-01

Two isolates of bacterial strains A15 T and A17 were isolated from stream bank soil in Kyonggi University. Cells were aerobic, Gram-stain-negative, oxidase- and catalase-positive, motile, non-spore-forming, rod-shaped, opaque, and cream coloured. Both strains hydrolysed CM-cellulose. Strains were able to grow at 20-42 °C, pH 5.5-10.0 and at 1.5 % NaCl concentration (w/v). Indole test was positive. Analyses of phylogenetic trees based on its 16S rRNA gene sequences indicated that strain A15 T formed a lineage within the family Rhodospirillaceae of the phylum Proteobacteria which was distinct from Ferrovibrio denitrificans S3 T (98.4 % sequence similarity) and Ferrovibrio xuzhouensis LM-6 T (97.4 %). The sole detected respiratory quinone was Q-10. The major polar lipids were phosphatidylethanolamine, phosphatidylglycerol and an unidentified aminolipid. The major cellular fatty acids were C19 : 0 cycloω8c, C16 : 0, summed feature 8 (C18 : 1ω7c and/or C18 : 1ω6c), C18 : 0cyclo and C12 : 0. The DNA G+C contents of strains A15 T and A17 were 63.4 and 62.9 mol%, respectively. DNA-DNA relatedness between strain A15 T and other two members of the genus Ferrovibrioranged from 25 to 37 %. The polyphasic characterization revealed strains A15 T and A17 represent a novel species in the genus Ferrovibrio, for which the name Ferrovibriosoli sp. nov. is proposed. The type strain is A15 T (=KEMB 9005-522 T =KACC 19102 T =NBRC 112682 T ).

Use of Banking Services in Emerging Markets - Household-Level Evidence

OpenAIRE

Brown, Martin; Beck, Thorsten

2011-01-01

This paper uses survey data for 60,000 households from 29 transition economies in 2006 and 2010 to explore how the use of banking services is related to household characteristics, as well as to bank ownership, deposit insurance and creditor protection. At the household level we find that the holding of a bank account, a bank card, or a mortgage increases with income and education in most countries and find evidence for an urban-rural gap. The use of banking services is also related to the rel...

Process-Based Model for Computation of Erosion and Deposition on Shrub-Protected Banks

Science.gov (United States)

Kean, J. W.; Smith, J.

2001-12-01

Determination of erosion and deposition rates on riverbanks requires a detailed knowledge of the near-bank boundary shear stress field. Riverbanks typically are irregular in planiform geometry owing to the presence of vegetation on them, and the effects of vegetation-caused bank irregularity in reducing flow in the neighborhood of the toes of banks must be taken into account in calculating the appropriate boundary shear stress fields. Form drag on roots, stems, and branches of shrubs and trees that protrude into the flow must be carefully evaluated. Methods for calculating the boundary shear stress and sediment transport fields on and near vegetated banks have been developed over the past several years. More recently, the direct effects of roots, stems, and branches in reducing the shear stresses on banks have been investigated in conjunction with research on arroyo channels having nearly trapezoidal cross sections and banks covered with sandbar willow and tamarisk. A model for computing flow and sediment transport in such channels is presented and then used to demonstrate the relative importance of the various environmental factors and their interactions. The primary environmental factors include (1) the cross-sectional geometry of the flow, which controls the structure of the cross-sectional distribution of the streamwise-averaged boundary shear stress, (2) the micro topography of the bed and banks, which determines the local ratio of streamwise-averaged boundary shear stress to skin friction and, thus, the cross-sectional structure of the sediment transport field in the channel, and (3) the bed-sediment size distribution, which controls the importance of density stratification in the flow and, thereby, the vertical structure of the velocity field. The model demonstrates that woody vegetation on sloping banks affects the flow in several ways. First, it forces the high velocity core toward the center of the channel, increasing the streamwise-averaged boundary

Determining hyporheic storage using the rSAS model in urban restored streams.

Science.gov (United States)

Stoll, E.; Putnam, S. M.; Cosans, C.; Harman, C. J.

2017-12-01

One aim of stream restoration is to increase the connectivity of the stream with the hyporheic zone, which is important for processes like denitrification. This study analyzed transects of different restoration techniques in an urban stream, Stony Run in Baltimore, Maryland. The extent of the hyporheic zone was determined using a combination of salt slug injection tracer studies to determine the breakthrough curves and the rank StorAge Selection (rSAS) model. Previous studies using salt tracer injections have often focused on the shape of the breakthrough curve and the transit time distributions of streams to infer indicies correlated with hyporheic zone storage. This study uses the rSAS model to determine the volume of storage that must be turning over to produce the breakthrough curve. This study looked at transects of two different restoration techniques, one with floodplain rehabilitation and one without. Both transects had cross vanes and pool and riffle systems and only differed in the steepness of the banks surrounding the stream. The utility and accuracy of rSAS method was found to be heavily dependent on accurate flow rates. To avoid potential skew in the results, normalized, relatively flow rate-independent metric of storage were compared among transects to reduce error resulting from the flow rate. The results suggested that stream water was retained for longer in a larger storage volume in the transect that did not have floodplain rehabilitation. When compared to the storage of a natural stream with similar geomorphologic characteristics, the restored transect without floodplain rehabilitation had a larger storage volume than the natural stream. The restored transect with floodplain rehabilitation not only had a smaller storage volume than the restored section without rehabilitation, but also had a smaller storage volume than the natural stream with similar bank slopes. This suggests that the floodplain restoration does not significantly contribute to

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.

Relation of urbanization to stream habitat and geomorphic characteristics in nine metropolitan areas of the United States

Science.gov (United States)

Fitzpatrick, Faith A.; Peppler, Marie C.

2010-01-01

environmental settings. The relations between watershed-scale indicators of urbanization and stream habitat depended on physiography and climate, hydrology, pre-urban channel alterations, reach-scale slope and presence of bedrock, and amount of bank stabilization and grade control. Channels increased in size with increasing percentages of impervious surfaces in southeastern and midwestern metropolitan areas regardless of whether the pre-existing land use was forest or agriculture. The amount of enlargement depended on annual precipitation and frequency of high-flow events. The lack of a relation between channel enlargement and increasing impervious surfaces in other metropolitan areas was thought to be confounded by pre-urbanization hydrologic and channel alterations. Direct relations of channel shape and streambed substrate to urbanization were variable or lacking, probably because the type, amount, and source of sediment are dependent on the phase of urbanization. Reach-scale slope also was important for determining variations in streambed substrate and habitat complexity (percentage of riffles and runs). Urbanization-associated changes in reach-scale riparian vegetation varied geographically, partially depending on pre-existing riparian vegetation characteristics. Bank erosion increased in Milwaukee?Green Bay and Boston urban streams, and bank erosion also increased with an increase in a streamflow flashiness index. However, potential relations likely were confounded by the frequent use of channel stabilization and bank protection in urban settings. Low-flow reach volume did not decrease with increasing urbanization, but instead was related to natural landscape characteristics and possibly other unmeasured factors. The presence of intermittent bedrock in some sampled reaches likely limited some geomorphic responses to urbanization, such as channel bed erosion. Results from this study emphasize the importance of including a wide range of landscape variables at m

Wadeable Streams Assessment Data

Science.gov (United States)

The Wadeable Streams Assessment (WSA) is a first-ever statistically-valid survey of the biological condition of small streams throughout the U.S. The U.S. Environmental Protection Agency (EPA) worked with the states to conduct the assessment in 2004-2005. Data for each parameter sampled in the Wadeable Streams Assessment (WSA) are available for downloading in a series of files as comma separated values (*.csv). Each *.csv data file has a companion text file (*.txt) that lists a dataset label and individual descriptions for each variable. Users should view the *.txt files first to help guide their understanding and use of the data.

National Aquatic Resource Surveys (NARS) N/P Values for Streams - Wadeable Streams Assessment

Data.gov (United States)

U.S. Environmental Protection Agency — The National Aquatic Resource Survey (NARS) findings for nutrients in streams and lakes highlight that nutrient pollution is widespread across the United States and...

Assessment of fish populations and habitat on Oculina Bank, a deep-sea coral marine protected area off eastern Florida

OpenAIRE

Harter , Stacey L.; Ribera, Marta M.; Shepard, Andrew N.; Reed, John K.

2009-01-01

A portion of the Oculina Bank located off eastern Florida is a marine protected area (MPA) preserved for its dense populations of the ivory tree coral (Oculina varicosa), which provides important habitat for fish. Surveys of fish assemblages and benthic habitat were conducted inside and outside the MPA in 2003 and 2005 by using remotely operated vehicle video transects and digital still imagery. Fish species composition, biodiversity, and grouper densities were used to determine w...

Grazing management effects on sediment, phosphorus, and pathogen loading of streams in cool-season grass pastures.

Science.gov (United States)

Schwarte, Kirk A; Russell, James R; Kovar, John L; Morrical, Daniel G; Ensley, Steven M; Yoon, Kyoung-Jin; Cornick, Nancy A; Cho, Yong Il

2011-01-01

Erosion and runoff from pastures may lead to degradation of surface water. A 2-yr grazing study was conducted to quantify the effects of grazing management on sediment, phosphorus (P), and pathogen loading of streams in cool-season grass pastures. Six adjoining 12.1-ha pastures bisected by a stream in central Iowa were divided into three treatments: continuous stocking with unrestricted stream access (CSU), continuous stocking with restricted stream access (CSR), and rotational stocking (RS). Rainfall simulations on stream banks resulted in greater ( CSR pastures. Bovine enterovirus was shed by an average of 24.3% of cows during the study period and was collected in the runoff of 8.3 and 16.7% of runoff simulations on bare sites in CSU pastures in June and October of 2008, respectively, and from 8.3% of runoff simulations on vegetated sites in CSU pastures in April 2009. Fecal pathogens (bovine coronavirus [BCV], bovine rotavirus group A, and O157:H7) shed or detected in runoff were almost nonexistent; only BCV was detected in feces of one cow in August of 2008. Erosion of cut-banks was the greatest contributor of sediment and P loading to the stream; contributions from surface runoff and grazing animals were considerably less and were minimized by grazing management practices that reduced congregation of cattle by pasture streams. Copyright © by the American Society of Agronomy, Crop Science Society of America, and Soil Science Society of America, Inc.

Use of computer programs STLK1 and STWT1 for analysis of stream-aquifer hydraulic interaction

Science.gov (United States)

Desimone, Leslie A.; Barlow, Paul M.

1999-01-01

Quantifying the hydraulic interaction of aquifers and streams is important in the analysis of stream base fow, flood-wave effects, and contaminant transport between surface- and ground-water systems. This report describes the use of two computer programs, STLK1 and STWT1, to analyze the hydraulic interaction of streams with confined, leaky, and water-table aquifers during periods of stream-stage fuctuations and uniform, areal recharge. The computer programs are based on analytical solutions to the ground-water-flow equation in stream-aquifer settings and calculate ground-water levels, seepage rates across the stream-aquifer boundary, and bank storage that result from arbitrarily varying stream stage or recharge. Analysis of idealized, hypothetical stream-aquifer systems is used to show how aquifer type, aquifer boundaries, and aquifer and streambank hydraulic properties affect aquifer response to stresses. Published data from alluvial and stratifed-drift aquifers in Kentucky, Massachusetts, and Iowa are used to demonstrate application of the programs to field settings. Analytical models of these three stream-aquifer systems are developed on the basis of available hydrogeologic information. Stream-stage fluctuations and recharge are applied to the systems as hydraulic stresses. The models are calibrated by matching ground-water levels calculated with computer program STLK1 or STWT1 to measured ground-water levels. The analytical models are used to estimate hydraulic properties of the aquifer, aquitard, and streambank; to evaluate hydrologic conditions in the aquifer; and to estimate seepage rates and bank-storage volumes resulting from flood waves and recharge. Analysis of field examples demonstrates the accuracy and limitations of the analytical solutions and programs when applied to actual ground-water systems and the potential uses of the analytical methods as alternatives to numerical modeling for quantifying stream-aquifer interactions.

Causal relationship between CSR and FB in banks

Directory of Open Access Journals (Sweden)

Amal Abou Fayad

2017-12-01

Full Text Available The present study investigates the impact of corporate social responsibility (CSR on financial performance (FB of Lebanese banks. Based on panel data of seven Lebanese banks, a positive relation between CSR and financial performance have been found. The research findings contribute to understand that Lebanese performant banks would adopt volunteer actions that promote social responsibility actions. Moreover, highest profit lead for a better image and legitimacy once the investments are made into human, economic, community development and environmental protection.

The Pacific northwest stream quality assessment

Science.gov (United States)

Van Metre, Peter C.; Morace, Jennifer L.; Sheibley, Rich W.

2015-01-01

In 2015, the U.S. Geological Survey (USGS) National Water-Quality Assessment (NAWQA) program is assessing stream quality in the Pacific Northwest. The goals of the Pacific Northwest Stream Quality Assessment (Pacific Northwest study) are to assess the quality of streams in the region by characterizing multiple water-quality factors that are stressors to aquatic life and to evaluate the relation between these stressors and biological communities. The effects of urbanization and agriculture on stream quality for the Puget Lowlands and Willamette Valley are the focus of this regional study. Findings will provide the public and policymakers with information regarding which human and environmental factors are the most critical in affecting stream quality and, thus, provide insights about possible approaches to protect or improve the health of streams in the region.

Assessment of attenuation processes in a chlorinated ethene plume by use of stream bed Passive Flux Meters, streambed Point Velocity Probes and contaminant mass balances

Science.gov (United States)

Rønde, V.; McKnight, U. S.; Annable, M. D.; Devlin, J. F.; Cremeans, M.; Sonne, A. T.; Bjerg, P. L.

2017-12-01

Chlorinated ethenes (CE) are abundant groundwater contaminants and pose risk to both groundwater and surface water bodies, as plumes can migrate through aquifers to streams. After release to the environment, CE may undergo attenuation. The hyporheic zone is believed to enhance CE attenuation, however studies contradicting this have also been reported. Since dilution commonly reduces contaminant concentrations in streams to below quantification limits, use of mass balances along the pathway from groundwater to stream is unusual. Our study is conducted at the low-land Grindsted stream, Denmark, which is impacted by a contaminant plume. CE have been observed in the stream water; hence our study site provides an unusual opportunity to study attenuation processes in a CE plume as it migrates through the groundwater at the stream bank, through the stream bed and further to the point of fully mixed conditions in the stream. The study undertook the determination of redox conditions and CE distribution from bank to stream; streambed contaminant flux estimation using streambed Passive Flux Meters (sPFM); and quantification of streambed water fluxes using temperature profiling and streambed Point Velocity Probes (SBPVP). The advantage of the sPFM is that it directly measures the contaminant flux without the need for water samples, while the advantage of the SBPVP is its ability to measure the vertical seepage velocity without the need for additional geological parameters. Finally, a mass balance assessment along the plume pathway was conducted to account for any losses or accumulations. The results show consistencies in spatial patterns between redox conditions and extent of dechlorination; between contaminant fluxes from sPFM and concentrations from water samples; and between seepage velocities from SBPVP and temperature-based water fluxes. Mass balances and parent-metabolite compound ratios indicate limited degradation between the bank and the point of fully mixed stream

Future Roads Near Streams

Data.gov (United States)

U.S. Environmental Protection Agency — Roads are a source of auto related pollutants (e.g. gasoline, oil and other engine fluids). When roads are near streams, rain can wash these pollutants directly into...

The Relation between the Romanian Commercial Banking Companies and the Corporate Social Responsibility

Directory of Open Access Journals (Sweden)

Laura Mureşan

2009-12-01

Full Text Available The relatively recent legal regulation regarding the field of the banking service consumer protection has been determined by the abusive commercial activity of the commercial banking companies. If the commercial banking companies had been aware of the need to comply with certain ethical principles in their relation with consumers – having a socially responsible behavior – then these principles would not legally have been sanctioned. That is why we consider that the significant sanctions to which the banks expose themselves at present are a consequence of the flagrant and repeated breach of the ethical principles in the field of consumer protection.

Channel response in a semiarid stream to removal of tamarisk and Russian olive

Science.gov (United States)

Jaeger, Kristin L.; Wohl, Ellen

2011-02-01

We report observed short-term (3 years) channel adjustment in an incised, semiarid stream to the removal of invasive plants, tamarisk (Tamarix spp.) and Russian olive (Elaeagnus angustifolia) by (1) removing the above-ground portion of the plant (cut-stump method) and (2) removing the entire plant (whole-plant method). The stream flows through Canyon de Chelly National Monument in Arizona, USA., draining an ˜1500 km2 catchment. Average channel width is 13 m; average thalweg depth is 2-3 m, although channel banks exceed 8 m locally. Channels adjusted primarily through widening, with significantly larger changes occurring in whole-plant removal reaches; however, neither plant removal method elicited large-scale bank destabilization, and the channels remained entrenched. Particular site conditions limiting large-scale destabilization include the absence of sufficient streamflow magnitudes, the presence of clay layers at the bank toe, the remaining presence of native vegetation, and the entrenched morphology. Our findings serve as a cautionary note regarding the temporal and spatial variability in channel response to invasive plant removal and underscore the importance of considering site-specific conditions in future restoration projects that include invasive plant removal.

40 CFR 63.1408 - Aggregate batch vent stream provisions.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 11 2010-07-01 2010-07-01 true Aggregate batch vent stream provisions... § 63.1408 Aggregate batch vent stream provisions. (a) Emission standards. Owners or operators of aggregate batch vent streams at a new or existing affected source shall comply with either paragraph (a)(1...

Analysis and Design of Offset QPSK Using Redundant Filter Banks

International Nuclear Information System (INIS)

Fernandez-Vazquez, Alfonso; Jovanovic-Dolecek, Gordana

2013-01-01

This paper considers the analysis and design of OQPSK digital modulation. We first establish the discrete time formulation, which allows us to find the equivalent redundant filter banks. It is well known that redundant filter banks are related with redundant transformation of the Frame theory. According to the Frame theory, the redundant transformations and corresponding representations are not unique. In this way, we show that the solution to the pulse shaping problem is not unique. Then we use this property to minimize the effect of the channel noise in the reconstructed symbol stream. We evaluate the performance of the digital communication using numerical examples.

Impact of stream restoration on flood waves

Science.gov (United States)

Sholtes, J.; Doyle, M.

2008-12-01

Restoration of channelized or incised streams has the potential to reduce downstream flooding via storing and dissipating the energy of flood waves. Restoration design elements such as restoring meanders, reducing slope, restoring floodplain connectivity, re-introducing in-channel woody debris, and re-vegetating banks and the floodplain have the capacity to attenuate flood waves via energy dissipation and channel and floodplain storage. Flood discharge hydrographs measured up and downstream of several restored reaches of varying stream order and located in both urban and rural catchments are coupled with direct measurements of stream roughness at various stages to directly measure changes to peak discharge, flood wave celerity, and dispersion. A one-dimensional unsteady flow routing model, HEC-RAS, is calibrated and used to compare attenuation characteristics between pre and post restoration conditions. Modeled sensitivity results indicate that a restoration project placed on a smaller order stream demonstrates the highest relative reduction in peak discharge of routed flood waves compared to one of equal length on a higher order stream. Reductions in bed slope, extensions in channel length, and increases in channel and floodplain roughness follow restoration placement with the watershed in relative importance. By better understanding how design, scale, and location of restored reaches within a catchment hydraulically impact flood flows, this study contributes both to restoration design and site decision making. It also quantifies the effect of reach scale stream restoration on flood wave attenuation.

The Locals' Opportunity Under Foreign Banks' Expansion

Institute of Scientific and Technical Information of China (English)

Han Guiying; Xiao Jiajun

2009-01-01

@@ The global financial crisis is striking the international financial market severely. Since July 2007, foreign banks and brokers have been suffering an enormous loss caused by the financial crisis. More than 160 thousand jobs have been cut this year by financial institutions like Citibank, HSBC and Morgan Stanly, etc. However, what shows a strong contrast with global job cutting is that these foreign banks are rapidly expanding their business in China. According to the data of related market,seven foreign banks have opened more than nine new branches in two months after September 17, the day that Lehman Brothers filed for bankruptcy protection. November 17, HSBC issued China UnionPay debt cards in 17 cities of China. At the same time, several new services of foreign banks were supposed to be authorized by CBRC (China Banking Regulatory Commission), including loan corporation of Citibank and credit cards of BEA.

Environmental characteristics of Carza (Italy) freshwater stream in spring-summer 1991. Caratteristiche ambientali del torrente Carza (FI) nella primavera-estate 1991

Energy Technology Data Exchange (ETDEWEB)

Del Guasta, M.; Marcuzzi, N. (Consiglio Nazionale delle Ricerche, Florence (Italy). Ist. di Ricerca sulle Onde Elettromagnetiche)

1993-09-01

A map of biological quality of the Carza freshwater stream (FI) was produced using the E.B.I. (Extended Biotic Index) method, together with flow and oxygen analysis. Results are correlated with an ecological index of quality of tree vegetation of banks and with stream shading. An attempt was carried out to correlate the territory of the dipper bird (Cinclus cinclus) with E.B.I. and the other factors. Results show a good correlation between E.B.I. and dissolved oxygen but a scarce correlation with factors connected to the ecological quality of the banks. It is suggested to search new freshwater quality indexes, more sensitive to bank conditions. The authors suggest not to use the plecoptera Leuctra nigra as a quality indicator in the E.B.I. method.

Non-uniform groundwater discharge across a stream bed: Heat as a tracer

DEFF Research Database (Denmark)

Jensen, Jannick Kolbjørn; Engesgaard, Peter Knudegaard

2011-01-01

Time series analysis of conO nuous streambed temperature during a period of 47 d revealed that discharge to a stream is nonuniform, with strongly increasing verO cal fl uxes throughout the top 20 cm of the streambed–aquifer interface. An analyO cal soluO on to the transient heat transport equa...... near the streambed. Seepage meter measurements in the middle of the stream oO en resulted in highly variable fl ux esO - mates, which could have been caused by hyporheic fl ow due to the presence of a gravel layer. Discharge and recharge to the stream at the bank near the meadow was relaO vely steady...

Salamander occupancy in headwater stream networks

Science.gov (United States)

Grant, E.H.C.; Green, L.E.; Lowe, W.H.

2009-01-01

1. Stream ecosystems exhibit a highly consistent dendritic geometry in which linear habitat units intersect to create a hierarchical network of connected branches. 2. Ecological and life history traits of species living in streams, such as the potential for overland movement, may interact with this architecture to shape patterns of occupancy and response to disturbance. Specifically, large-scale habitat alteration that fragments stream networks and reduces connectivity may reduce the probability a stream is occupied by sensitive species, such as stream salamanders. 3. We collected habitat occupancy data on four species of stream salamanders in first-order (i.e. headwater) streams in undeveloped and urbanised regions of the eastern U.S.A. We then used an information-theoretic approach to test alternative models of salamander occupancy based on a priori predictions of the effects of network configuration, region and salamander life history. 4. Across all four species, we found that streams connected to other first-order streams had higher occupancy than those flowing directly into larger streams and rivers. For three of the four species, occupancy was lower in the urbanised region than in the undeveloped region. 5. These results demonstrate that the spatial configuration of stream networks within protected areas affects the occurrences of stream salamander species. We strongly encourage preservation of network connections between first-order streams in conservation planning and management decisions that may affect stream species.

Stream instability countermeasures applied at Kansas Department of Transportation highway structures.

Science.gov (United States)

2008-11-01

This project considered stream instability countermeasures used by the Kansas Department of Transportation (KDOT) to protect the highway infrastructure at stream crossings from changes due to the dynamic nature of streams. Site visits were made to 13...

Pengelolaan Bank Sampah di Kota Probolinggo

Directory of Open Access Journals (Sweden)

Prisa Ambar Shentika

2016-03-01

Full Text Available A programme of reducing garbage leads the community, government, and corporate field to attentively limit the trash heap, recycling, and reusing garbage through the efficient and well-regulated efforts commonly called 3R Reduce, Reuse, Recycle. Probolinggo is the town in which developing regulate a policy of management garbage with Waste Bank by 3R concepts. This research aims to find out the management and role of Waste Bank in Probolinggo. It is conducted by using qualitative descriptive research method. Data collection is obtained by using direct observation and interview to resource. The result shows that 3R concepts used by waste bank in Probolinggo is carried out fairly well in working along with society particularly in sorting the garbage. Therefore, aware of environmental issues is not on government but society will cooperatively in role to protect environment. Waste bank is economically good for society beside environmentally worthwhile.

PRUDENTIAL CONSTRAINS OF BANKS LENDING ACTIVITIES AFTER FINANCIAL CRISIS

Directory of Open Access Journals (Sweden)

Roberto Ercegovac

2017-09-01

Full Text Available Both economic practice and economic theory are interested in analyzing the role of financial sector in promoting the economic development and economic growth. Commercial banks are the most important financial institutions in bank-based economies. The lending activities of commercial banks are limited by regulatory framework, management decisions and credit capacities of borrowers. Regulatory framework has been limited lending potentials of commercial banks because of capital requirements and liquidity management costs. Information asymmetry and adverse selection in decision-making enforce commercial banks to implement credit rationing process even in case of social significance of investment projects. Social responsibility of commercial banks cannot be measured according to the risk-taking activities. Banking financial intermediations have to keep the value of savings deposits under control and protect the stability of financial system. This paper will analyze the risk structure and prudential constrains of bank lending activities. To employ the credit capacity of commercial banks, it is necessary to extend guarantee schemes or promote the alternative financing opportunities in sharing the risk of accelerated growth.

The Northeast Stream Quality Assessment

Science.gov (United States)

Van Metre, Peter C.; Riva-Murray, Karen; Coles, James F.

2016-04-22

In 2016, the U.S. Geological Survey (USGS) National Water-Quality Assessment (NAWQA) is assessing stream quality in the northeastern United States. The goal of the Northeast Stream Quality Assessment (NESQA) is to assess the quality of streams in the region by characterizing multiple water-quality factors that are stressors to aquatic life and evaluating the relation between these stressors and biological communities. The focus of NESQA in 2016 will be on the effects of urbanization and agriculture on stream quality in all or parts of eight states: Connecticut, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont.Findings will provide the public and policymakers with information about the most critical factors affecting stream quality, thus providing insights about possible approaches to protect the health of streams in the region. The NESQA study will be the fourth regional study conducted as part of NAWQA and will be of similar design and scope to the first three, in the Midwest in 2013, the Southeast in 2014, and the Pacific Northwest in 2015 (http://txpub.usgs.gov/RSQA/).

Business Process Reengineering Of Funding On Indonesia’s Islamic Banks

Directory of Open Access Journals (Sweden)

Aslam Mei Nur Widigdo

2016-02-01

Full Text Available This research attempts to analyze the value chain of Islamic banking business processes and to develop a business processes model on depositors’ funds in order to improve the performance of Islamic banks. Four models of Islamic banking operating in Indonesia are used as the objects of the study. This research applies qualitative study (exploratory approach and utilizes primary data obtained from questionnaire and interviews. This data are then processed by value stream mapping and process activity mapping. This study shows that the waiting time for services is the sub-stage of business process that does not have value added and categorized as pure waste based on VSM criteria.The reengineering of business process of the third party fundraising may reduce collection time up to 1490 minutes for corporate customer and 22 minutes for individual customer.DOI: 10.15408/aiq.v8i1.2506

World bank and the environment. Progress report

International Nuclear Information System (INIS)

1991-01-01

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

Surveying Small Streams with COTS UAVs

Science.gov (United States)

McKean, J. A.; Wright, C. W.; Tonina, D.

2017-12-01

We tested the ability to make high resolution surveys of stream bathymetry and exposed banks using a commercial off-the-shelf unmanned quadcopter equipped with a 12 megapixel, gimbal stabilized, RGB camera, and L1-code-only GPS.Our study site is a canyon-wall confined gravel bed river with pool-riffle morphology. The survey reach was 15 m wide and on average 0.3 m deep with a maximum water depth during survey of approximately 1.2 m. Streambed material ranged between pea gravel to boulders. For accuracy comparison we field-surveyed the reach with an RTK GPS. The survey mapped large boulders and cobbles, stream banks and bed morphology, as well as the center of each of 9 black/white photo targets with a surface area of 22" x 16" that were placed around the perimeter of the reach. The water was clear, and the bottom substrate reflectivity was highly variable and rich in texture Nearly 1,000 photos were captured, many with sub-centimeter pixels. The photos were processed using Agisoft Photoscan and the resulting point cloud linked to the GPS coordinate system via the surveyed photo targets. The submerged portion of the data was separated from the sub-aerial data, corrected for refraction using external software and then rejoined to produce a seamless point cloud. Comparison between the merged results and ground-survey point shows good agreement with less than 10cm rmse.

78 FR 29091 - Safety Zone; Outer Banks Bluegrass Festival; Shallowbag Bay, Manteo, NC

Science.gov (United States)

2013-05-17

...-AA00 Safety Zone; Outer Banks Bluegrass Festival; Shallowbag Bay, Manteo, NC AGENCY: Coast Guard, DHS... the Outer Banks Bluegrass Festival. This action is necessary to protect the life and property of the... vessels from a portion of Shallowbag Bay River during the Outer Banks Bluegrass Festival Fireworks display...

Six Dimension Strategy As A Basis Of Banking Standard Contract

Directory of Open Access Journals (Sweden)

Wulanmas Frederik

2012-01-01

Full Text Available Indonesia banking based on Article 4 of Act No.10, 1998, aims at supporting the implementation of national development in order to improve equity, economic growth and national stability in the direction of improving people’s welfare. Therefore, to show how important is banking role in supporting the implementation of development, the 6 (six Strategic Dimensions as the foundation of Banking Standards Contract are: (1. Prudent Banking Supervision and Good Corporate Governance (GCG in banking activities, (2. Refunctionalization the principle of Contract Law in Banking Standards Contract, (3. Ethics Value in Business, (4. The Act No. 8, 1999 on Consumer Protection, (5. Enforcement of Human Rights Principles in banking activities, (6. Abuse of Circumstances implementations (Misbruik van Omstandigheden in banking Contract. Based on the 6 (six Strategic Dimension as the foundation of Banking Standard Contract, it will undoubtedly create justice, equity and assurance of the rights and obligations of the parties framed in the contractual and law bonds.

Resolving Europe’s banking crisis through market discipline : A note

NARCIS (Netherlands)

Benink, H.A.

2013-01-01

Purpose – The purpose is to analyse how the policy approach to the immediate problems in the European financial sector has long-term effects on implicit protection of banks' creditors and, thereby, on risk-taking incentives. Design/methodology/approach – The near term issues in European banking are

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.

THE POLITICS OF BANKING: GLOBALISATION AND DOMESTIC POLICY CHANGE

OpenAIRE

Sukarman, Widigdo

2015-01-01

The current article aims to elaborate on the history of bank policy modifications as a response towards economic and financial change, mainly due to globalisation. The centralstatus of banks in the economy causes a need for the government to protect it in many forms that differ from one country to another. Bank policy makers that are closed oresoteric and are short-lived must be opened up to be able to receive long term ideas. The process is also marked intensively with competing interests be...

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...

Using a Mixed Model to Explore Evaluation Criteria for Bank Supervision: A Banking Supervision Law Perspective.

Directory of Open Access Journals (Sweden)

Sang-Bing Tsai

Full Text Available Financial supervision means that monetary authorities have the power to supervise and manage financial institutions according to laws. Monetary authorities have this power because of the requirements of improving financial services, protecting the rights of depositors, adapting to industrial development, ensuring financial fair trade, and maintaining stable financial order. To establish evaluation criteria for bank supervision in China, this study integrated fuzzy theory and the decision making trial and evaluation laboratory (DEMATEL and proposes a fuzzy-DEMATEL model. First, fuzzy theory was applied to examine bank supervision criteria and analyze fuzzy semantics. Second, the fuzzy-DEMATEL model was used to calculate the degree to which financial supervision criteria mutually influenced one another and their causal relationship. Finally, an evaluation criteria model for evaluating bank and financial supervision was established.

Using a Mixed Model to Explore Evaluation Criteria for Bank Supervision: A Banking Supervision Law Perspective

Science.gov (United States)

Tsai, Sang-Bing; Chen, Kuan-Yu; Zhao, Hongrui; Wei, Yu-Min; Wang, Cheng-Kuang; Zheng, Yuxiang; Chang, Li-Chung; Wang, Jiangtao

2016-01-01

Financial supervision means that monetary authorities have the power to supervise and manage financial institutions according to laws. Monetary authorities have this power because of the requirements of improving financial services, protecting the rights of depositors, adapting to industrial development, ensuring financial fair trade, and maintaining stable financial order. To establish evaluation criteria for bank supervision in China, this study integrated fuzzy theory and the decision making trial and evaluation laboratory (DEMATEL) and proposes a fuzzy-DEMATEL model. First, fuzzy theory was applied to examine bank supervision criteria and analyze fuzzy semantics. Second, the fuzzy-DEMATEL model was used to calculate the degree to which financial supervision criteria mutually influenced one another and their causal relationship. Finally, an evaluation criteria model for evaluating bank and financial supervision was established. PMID:27992449

River banks and channel axis curvature: Effects on the longitudinal dispersion in alluvial rivers

Science.gov (United States)

Lanzoni, Stefano; Ferdousi, Amena; Tambroni, Nicoletta

2018-03-01

The fate and transport of soluble contaminants released in natural streams are strongly dependent on the spatial variations of the flow field and of the bed topography. These variations are essentially related to the presence of the channel banks and to the planform configuration of the channel. Large velocity gradients arise near to the channel banks, where the flow depth decreases to zero. Moreover, single thread alluvial rivers are seldom straight, and usually exhibit meandering planforms and a bed topography that deviates from the plane configuration. Channel axis curvature and movable bed deformations drive secondary helical currents which enhance both cross sectional velocity gradients and transverse mixing, thus crucially influencing longitudinal dispersion. The present contribution sets up a rational framework which, assuming mild sloping banks and taking advantage of the weakly meandering character often exhibited by natural streams, leads to an analytical estimate of the contribution to longitudinal dispersion associated with spatial non-uniformities of the flow field. The resulting relationship stems from a physics-based modeling of the flow in natural rivers, and expresses the bend averaged longitudinal dispersion coefficient as a function of the relevant hydraulic and morphologic parameters. The treatment of the problem is river specific, since it relies on an explicit spatial description, although linearized, of the flow field that establishes in the investigated river. Comparison with field data available from tracer tests supports the robustness of the proposed framework, given also the complexity of the processes that affect dispersion dynamics in real streams.

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...

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.

Is the Stream Always Bluer on the Other Side?

Science.gov (United States)

Jenkins, T.; Chase, Z.

2017-12-01

Examining water quality, fish species present, habitat quality, and sources of pollution are important to better understanding the health of a stream. In Florida, the Fish and Wildlife Conservation Commission (FWC) works to monitor the health of its streams, and partnerships with . By collecting, analyzing, and comparing fish abundance data from a couple of streams in Escambia County, Florida, we can help FWC determine how to best support and protect stream habitats and fish-species in our Florida community.

Ecologically relevant geomorphic attributes of streams are impaired by even low levels of watershed effective imperviousness

Science.gov (United States)

Vietz, Geoff J.; Sammonds, Michael J.; Walsh, Christopher J.; Fletcher, Tim D.; Rutherfurd, Ian D.; Stewardson, Michael J.

2014-02-01

Urbanization almost inevitably results in changes to stream morphology. Understanding the mechanisms for such impacts is a prerequisite to minimizing stream degradation and achieving restoration goals. However, investigations of urban-induced changes to stream morphology typically use indicators of watershed urbanization that may not adequately represent degrading mechanisms and commonly focus on geomorphic attributes such as channel dimensions that may be of little significance to the ecological goals for restoration. We address these shortcomings by testing if a measure characterizing urban stormwater drainage system connections to streams (effective imperviousness, EI) is a better predictor of change to ecologically relevant geomorphic attributes than a more general measure of urban density (total imperviousness, TI). We test this for 17 sites in independent watersheds across a gradient of urbanization. We found that EI was a better predictor of all geomorphic variables tested than was TI. Bank instability was positively correlated with EI, while width/depth (a measure of channel incision), bedload sediment depth, and frequency of bars, benches, and large wood were negatively correlated. Large changes in all geomorphic variables were detected at very low levels of EI (Urbanization influences stream morphology more than any other land use (Douglas, 2011): it alters hydrology and sediment inputs leading to deepening and widening of streams (Chin, 2006). Concomitantly, urbanization often directly impairs stream morphology through channel and riparian zone interventions, e.g., culverts (Hawley et al., 2012), rock protection (Vietz et al., 2012b), and constricted floodplains (Gurnell et al., 2007). These changes to channel geomorphology in turn contribute to poor in-stream ecological condition (Morley and Karr, 2002; Walsh et al., 2005b; Gurnell et al., 2007; Elosegi et al., 2010).The common conception is that channels undergo gross morphologic alterations if > 10

40 CFR 86.1817-05 - Complete heavy-duty vehicle averaging, trading, and banking program.

Science.gov (United States)

2010-07-01

..., trading, and banking program. 86.1817-05 Section 86.1817-05 Protection of Environment ENVIRONMENTAL... Complete heavy-duty vehicle averaging, trading, and banking program. (a) General. (1) Complete heavy-duty vehicles eligible for the NOX averaging, trading and banking program are described in the applicable...

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

The Value of the “Too Big to Fail” Big Bank Subsidy

OpenAIRE

Dean Baker; Travis McArthur

2009-01-01

One outcome of the TARP and other bank rescue efforts following the collapse of Lehman Brothers in September of 2008 is that the United States has essentially formalized a commitment to a “too big to fail” (TBTF) policy for major banks. This paper uses data from the FDIC on the relative cost of funds for TBTF banks and other banks, before and after the crisis, to quantify the value of the government protection provided by the TBTF policy.

Uranium hydrogeochemical and stream sediment reconnaissance of the Dixon Entrance NTMS and Prince Rupert D-6 quadrangles, Alaska, including concentrations of forty-two additional elements

International Nuclear Information System (INIS)

Warren, R.G.; Hensley, W.K.; Hanks, D.E.

1980-09-01

During August 1978, sediment and water samples were collected from 203 lakes, streams, and springs in the Dixon Entrance and Prince Rupert D-6 quadrangles, Alaska. Variations in concentrations of all 43 elements among the five sieve fractions at each location are generally less than analytical uncertainty. Therefore, elemental analyses are generally comparable for a wide range in sieve fractions for sediment sample locations in southeastern Alaska. However, at some few locations, several elemental concentrations increase with finer mesh size; for uranium, such an increase may be associated with mineralization. Waterborne sediment samples collected from the center of a stream yield analyses essentially identical to those collected from the adjacent bank for most elements. Chlorine concentrations are generally higher in bank sediments, probably as a result of concentration of halogens in the vegetation that stabilizes the bank. At a few locations, concentrations of the ferrous elements, particularly Mn and Co, differ notably between the stream center and bank: such behavior is characteristic of mineralized areas. Concentrations of the ferrous elements, particularly Mn and Co, are strikingly enriched in the stream sediments compared either to lake sediments or to crustal abundances. This suggests that this area might be a favorable location for strategic resources of these elements. Uranium concentrations in all 950 sediment samples of all sieve fractions range from 0.54 to 22.80 ppM, with a median of 2.70 ppM

Dispersal of plant fragments in small streams

DEFF Research Database (Denmark)

Riis, T.; Sand-Jensen, K.

2006-01-01

1. Streams are subject to frequent natural and anthropogenic disturbances that cause sediment erosion and loss of submerged vegetation. This loss makes downstream transport and retention of vegetative propagules on the streambed very important for re-establishing vegetation cover. We measured...... with the relative contact between the flowing water and streambed, bank and vegetation. Thus, the retention coefficients were highest (0.02-0.12 m-1) in shallow reaches with a narrow, vegetation-free flow channel. Here there were no significant differences between E. canadensis and R. peltatus. Retention...... coefficients were lowest (0.0005-0.0135 m-1) in deeper reaches with wider vegetation-free flow channels. Retention of E. canadensis was up to 16 times more likely than retention of R. peltatus. 5. Overall, the longitudinal position in the stream system of source populations of species capable of producing...

Secure remote service execution for web media streaming

OpenAIRE

Mikityuk, Alexandra

2017-01-01

Through continuous advancements in streaming and Web technologies over the past decade, the Web has become a platform for media delivery. Web standards like HTML5 have been designed accordingly, allowing for the delivery of applications, high-quality streaming video, and hooks for interoperable content protection. Efficient video encoding algorithms such as AVC/HEVC and streaming protocols such as MPEG-DASH have served as additional triggers for this evolution. Users now employ...

Relationship Banking in Labor Bank

OpenAIRE

三村, 聡

2012-01-01

As Labor bank is seemed as business partner of labor union, it contributes each community activities. For example, Labor bank helps retired employee, laborer and inhabitants. In addition, after the amendment of Money Lending Business Act of 2010, labor bank became clearly community based bank by consulting for heavily-indebted people and their education. This paper analyzes the new role of labor bank such as community contribution and enhancing financing service by collecting of the opinion o...

40 CFR 86.1817-08 - Complete heavy-duty vehicle averaging, trading, and banking program.

Science.gov (United States)

2010-07-01

..., trading, and banking program. 86.1817-08 Section 86.1817-08 Protection of Environment ENVIRONMENTAL... Complete heavy-duty vehicle averaging, trading, and banking program. Section 86.1817-08 includes text that.... (1) Manufacturers of Otto-cycle vehicles may participate in an NMHC averaging, banking and trading...

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

Rehabilitation of an Incised Stream Using Plant Materials: the Dominance of Geomorphic Processes

Directory of Open Access Journals (Sweden)

F. Douglas. Shields, Jr.

2008-12-01

Full Text Available The restoration of potentially species-rich stream ecosystems in physically unstable environments is challenging, and few attempts have been evaluated scientifically. Restoration approaches that involve living and dead native vegetation are attractive economically and from an ecological standpoint. A 2-km reach of an incised, sand-bed stream in northern Mississippi was treated with large wood structures and willow plantings to trigger responses that would result in increasing similarity with a lightly degraded reference stream. Experimental approaches for stream bank and gully stabilization were also examined. Although the project was initially successful in producing improved aquatic habitat, after 4 yr it had failed to effectively address issues related to flashy watershed hydrology and physical instability manifest by erosion and sedimentation. The success of ecosystem rehabilitation was thus governed by landscape-scale hydrological and geomorphological processes.

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

Effects of logging on macroinvertebrates in streams with and without buffer strips

Energy Technology Data Exchange (ETDEWEB)

Newbold, J D; Erman, D C; Roby, K B

1980-01-01

The impact of logging with and without buffer strip protection on stream macroinvertebrates was examined through comparisons of community structure in commercially logged and control watersheds throughout northern California. A nonparametric test of community dissimilarities within matched blocks of two control and one or two treated stations showed significant (P < 0.05) logging effects on unprotected streams when Euclidean distance and mutual information were used as dissimilarity indices, but not when chord distance was used. Shannon diversity in unprotected streams was lower (P < 0.01) than in control (unlogged) streams; densities of total macroinvertebrate fauna and of Chironomidae, Baetis, and Nemoura were higher in unprotected streams than in controls (P <0.05). Streams with narrow buffer strips (<30 m) showed significant effects by the Euclidean distance test, but diversity varied widely and was not significantly different from that in either unprotected or control streams than in controls (P < 0.05). Macroinvertebrate communities in streams with wide buffers (greater than or equal to 30m) could not be distinguished from those of controls by either Euclidean distance or diversity; however, diversity in wide-buffered streams was significantly greater than in streams without buffer strips, indicating effective protection from logging effects.

Federal Workforce: Attrition Rates at Ex-Im Bank and Similar Agencies

National Research Council Canada - National Science Library

Hess, James

1997-01-01

.... Financing and protection provided by Ex-Im Bank includes (1) loans to foreign buyers of U.S. exports, (2) loan guarantees to commercial lenders providing repayment protection for loans to foreign buyers...

Associations of stream geomorphic conditions and prevalence of alternative reproductive tactics among sockeye salmon populations

Science.gov (United States)

DeFilippo, L. B.; Schindler, D.E.; Carter, J.L.; Walsworth, Timothy E.; Cline, T. J.; Larson, Wesley; Buehrens, T.

2018-01-01

In many species, males may exhibit alternative life histories to circumvent the costs of intrasexual competition and female courtship. While the evolution and underlying genetic and physiological mechanisms behind alternative reproductive tactics are well studied, there has been less consideration of the ecological factors that regulate their prevalence. Here, we examine six decades of age composition records from thirty‐six populations of sockeye salmon (Oncorhynchus nerka) to quantify associations between spawning habitat characteristics and the prevalence of precocious sneakers known as ‘jacks’. Jack prevalence was independent of neutral genetic structure among stream populations, but varied among habitat types and as a function of continuous geomorphic characteristics. Jacks were more common in streams relative to beaches and rivers, and their prevalence was negatively associated with stream width, depth, elevation, slope and area, but positively related to bank cover. Behavioural observations showed that jacks made greater use of banks, wood and shallows than guard males, indicating that their reproductive success depends on the availability of such refuges. Our results emphasize the role of the physical habitat in shaping reproductive tactic frequencies among populations, likely through local adaptation in response to variable fitness expectations under different geomorphic conditions.

The world bank and the environment. Progress report

International Nuclear Information System (INIS)

1991-01-01

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

Heroes of Danajon Bank | IDRC - International Development ...

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

2011-01-27

Jan 27, 2011 ... Marine protected areas (MPAs) have been strongly endorsed as a management option for the Danajon Bank, as for other tropical .... Related articles ... Thousands of events and competitions in 160 countries mark Global ...

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

RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

OpenAIRE

PAKSOY, H. Mustafa; ABAROSS, Nour

2015-01-01

This study deals with the nature of Islamic banks and their features, and requirements of these features in terms of control tools and methods appropriate with the particularity of their business and their relation with the traditional central bank. At the same time aims to view the relationship between Islamic bank and central bank. To explain this relation the researcher started to explain what is the central bank, objectives of central bank, and characteristics, what is Islamic bank and ob...

Changes in the morphology of drainage channels of the hydrographic basin of Cadena stream, Santa Maria / RS

Directory of Open Access Journals (Sweden)

Edson Luis de Almeida Oliveira

2006-06-01

deepening or straightening of a channel which may be associated with considerable bank erosion which locally enlarges the width of a channel and it affects urban areas causing hazards. Moreover, the erosion increment may work its way up the tributaries as a series of knick points in response to urban’s stream changes. The analyses of the antropic intervention on the tributaries of Cadena stream divided the basins into low, medium and high intervention levels.

Environmental Characteristics and Geographic Information System Applications for the Development of Nutrient Thresholds in Oklahoma Streams

Science.gov (United States)

Masoner, Jason R.; Haggard, Brian E.; Rea, Alan

2002-01-01

The U.S.Environmental Protection Agency has developed nutrient criteria using ecoregions to manage and protect rivers and streams in the United States. Individual states and tribes are encouraged by the U.S. Environmental Protection Agency to modify or improve upon the ecoregion approach. The Oklahoma Water Resources Board uses a dichotomous process that stratifies streams using environmental characteristics such as stream order and stream slope. This process is called the Use Support Assessment Protocols, subchapter15. The Use Support Assessment Protocols can be used to identify streams threatened by excessive amounts of nutrients, dependant upon a beneficial use designation for each stream. The Use Support Assessment Protocols, subchapter 15 uses nutrient and environmental characteristic thresholds developed from a study conducted in the Netherlands, but the Oklahoma Water Resources Board wants to modify the thresholds to reflect hydrologic and ecological conditions relevant to Oklahoma streams and rivers. Environmental characteristics thought to affect impairment from nutrient concentrations in Oklahoma streams and rivers were determined for 798 water-quality sites in Oklahoma. Nutrient, chlorophyll, water-properties, and location data were retrieved from the U.S. Environmental Protection Agency STORET database including data from the U.S. Geological Survey, Oklahoma Conservation Commission, and Oklahoma Water Resources Board. Drainage-basin area, stream order, stream slope, and land-use proportions were determined for each site using a Geographic Information System. The methods, procedures, and data sets used to determine the environmental characteristics are described.

Bank guarantee in Serbian and European legal systems

Directory of Open Access Journals (Sweden)

Pajtić Bojan L.

2015-01-01

Full Text Available The paper analyses a bank guarantee as an institute derived from a surety contract. By issuing a bank guarantee the bank commits to the creditor that it will fulfill valid and due liabilities of a debtor, in the event of default by the debtor. This collateral demonstrates significant advantages as compared to other personal assets, particularly with regards to a higher level of protection to creditors in contractual relations. Due to the aforementioned benefit the institute has been increasingly applied in legal dealings, both in our and other legal systems. In the paper, I will point out normative solutions in terms of regulation of a bank guarantee as a specific legal activity in which there is no accessoriness, which is not the case with security. This research particularly focuses on the comparative legal analysis of this collateral.

Ownership Concentration and Market Value of European Banks

DEFF Research Database (Denmark)

Busta, Ildura; Sinani, Evis; Thomsen, Steen

2014-01-01

This paper investigates the relationship between ownership concentration and market value of European banks, and the role of the institutional environment in shaping this relationship. Using GMM dynamic estimator on a sample of European banks over a 13-year period (1993–2005) we find on average...... concentration is positive in Scandinavia. We propose that, besides the legal protection of small investors, the differences in the impact of ownership concentration across the countries could be due to the identity of the predominant owners, i.e. financial institutions in Germany and trusts and foundations...... a negative effect of ownership concentration on bank value, measured by Tobin's Q. However, this effect varies across different institutional settings; while higher ownership concentration results in a lower bank value particularly in the countries belonging to German legal family, the impact of ownership...

Downstream reduction of rural channel size with contrasting urban effects in small coastal streams of southeastern Australia

Science.gov (United States)

Nanson, G. C.; Young, R. W.

1981-07-01

Although most streams show a downstream increase in channel size corresponding to a downstream increase in flood discharges, those flowing off the Illawarra escarpment of New South Wales show a marked reduction of channel size, accompanied by a down-stream increase in flood frequency in their lower reaches. Within the confined and steeply sloping valleys of the escarpment foothills, bed and bank sediments are relatively coarse and uncohesive, and channels increase in size, corresponding to increasing discharge downstream. However, once these streams emerge into more open rural valleys at lower slopes and are accompanied by extensive floodplains formed of fine cohesive sediment, there is a dramatic reduction in channel size. This decrease in channel size apparently results from a sudden decline in channel slope and associated stream power, the cohesive nature of downstream alluvium, its retention on the channel banks by a dense cover of pasture grasses, and the availability of an extensive floodplain to carry displaced floodwater. Under these conditions floodwaters very frequently spill out over the floodplain and the downstream channel-flow becomes a relatively unimportant component of the total peak discharge. This emphasizes the importance of these floodplains as a part of the total channel system. In situations where urban development has increased peak runoff and reduced the available area of effective floodplain, stream channels formed in this fine alluvium rapidly entrench and increase in cross-sectional area by 2-3 times. Minor man-induced channel alteration and maintenance appears to trigger this enlargement.

Evaluation of a market in wetland credits: entrepreneurial wetland banking in Chicago.

Science.gov (United States)

Robertson, Morgan; Hayden, Nicholas

2008-06-01

With the rise of market-led approaches to environmental policy, compensation for permitted discharge of dredge or fill material into wetlands under Section 404 of the U.S. Clean Water Act has been purchased increasingly from entrepreneurial third-party providers. The growth of this practice (i.e., entrepreneurial wetland banking) has resolved many challenges associated with wetland compensation. But it has also produced (1) quantifiable temporal loss of wetland ecological functions, (2) spatial redistribution of wetland area, and (3) a degree of regulatory instability that may pose a threat to entrepreneurial compensation as a sustainable component of wetland-compensation policy. We used achieved compensation ratios, lapse between bank credit sale and the attainment of performance standards, distance between impact and bank site, and changes in bank market area to examine these 3 factors. We analyzed data from a census of all such transactions in the Chicago District of the U.S. Army Corps of Engineers, compiled from site visits, Corps databases, and contacts with consultants and Section 404 permittees. Entrepreneurial banking provided compensation at a lower overall ratio than nonbank forms of compensation. Approximately 60% of bank credits were sold after site-protection standards were met but before ecological performance standards were met at the bank site. The average distance between bank and impact site was approximately 26 km. The area of markets within which established banks can sell wetland credits has fluctuated considerably over the study period. Comparing these data with similar data for other compensation mechanisms will assist in evaluating banking as an element of conservation policy. Data characterizing the performance of entrepreneurial wetland banks in actual regulatory environments are scarce, even though it is the most established of similar markets that have become instrumental to federal policy in administering several major environmental

Legacy effects of colonial millponds on floodplain sedimentation, bank erosion, and channel morphology, MID-Atlantic, USA

Science.gov (United States)

Schenk, E.R.; Hupp, C.R.

2009-01-01

Many rivers and streams of the Mid-Atlantic Region, United States (U.S.) have been altered by postcolonial floodplain sedimentation (legacy sediment) associated with numerous milldams. Little Conestoga Creek, Pennsylvania, a tributary to the Susquehanna River and the Chesapeake Bay, is one of these streams. Floodplain sedimentation rates, bank erosion rates, and channel morphology were measured annually during 2004-2007 at five sites along a 28-km length of Little Conestoga Creek with nine colonial era milldams (one dam was still in place in 2007). This study was part of a larger cooperative effort to quantify floodplain sedimentation, bank erosion, and channel morphology in a high sediment yielding region of the Chesapeake Bay watershed. Data from the five sites were used to estimate the annual volume and mass of sediment stored on the floodplain and eroded from the banks for 14 segments along the 28-km length of creek. A bank and floodplain reach based sediment budget (sediment budget) was constructed for the 28 km by summing the net volume of sediment deposited and eroded from each segment. Mean floodplain sedimentation rates for Little Conestoga Creek were variable, with erosion at one upstream site (-5 mm/year) to deposition at the other four sites (highest = 11 mm/year) despite over a meter of floodplain aggradation from postcolonial sedimentation. Mean bank erosion rates range between 29 and 163 mm/year among the five sites. Bank height increased 1 m for every 10.6 m of channel width, from upstream to downstream (R2 = 0.79, p channel and the floodplain. Floodplain sedimentation and bank erosion rates also appear to be affected by the proximity of the segments to one existing milldam, which promotes deposition upstream and scouring downstream. The floodplain and bank along the 28-km reach produced a net mean sediment loss of 5,634 Mg/year for 2004-2007, indicating that bank erosion was exceeding floodplain sedimentation. In particular, the three segments

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...

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.

BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

Directory of Open Access Journals (Sweden)

Rahmatina A. Kasri

2017-08-01

Full Text Available Bank run is an important economic phenomenon which increasingly occurred in in modern banking system and potentially threatened banking stability as it could trigger a banking crisis. However, most studies related to bank run focus on the occurrence of bank run in conventional banking system. Very few of them discuss the bank run phenomenon under Islamic banking system or dual banking system where Islamic banks jointly operating with conventional banks. Therefore, this study attempts to analyze the determinants of bank run in the Indonesian Islamic banking industry by employing primary data from 256 customers of Indonesia Islamic banks in 2015 and by utilizing factor analysis and descriptive statistics. In theory, Islamic banks tend to be more resilient towards any macroeconomic or financial shocks as compared to conventional banks due to the nature of its asset-based and risk-sharing arrangement. However, the result exhibits that both psychological and fundamental factors (i.e. macroeconomics and bank fundamentals strongly influence the behaviors of Islamic banking depositors to withdraw their funds, which might trigger the occurrence of bank runs in the country. Insider information, macroeconomic condition and bank fundamental factors are also shown to have the highest impacts among all variables. Hence, in the context of banking stability, the finding implies that Islamic banks are not completely immune to the impacts of macroeconomic shocks or financial crisis. As a country with a dual banking system, Indonesia had experienced several bank runs since 1990s. Therefore, the findings of the study should provide the policy makers important insight into research based-policy in order to attain financial stability as one of the main economic goals of the country. Keywords: Bank run, Islamic bank, Factor analysis, Indonesia JEL Classification: C83, G21, G28

Pelaksanaan Hukum Mediasi dalam Penyelesaian Sengketa antara Bank dan Nasabah

Directory of Open Access Journals (Sweden)

Iwan Rizky

2016-04-01

ABSTRACT. Article 2 of PBI Number 10/1/2008 states that the dispute between Banks and its customers, which is caused by the unfulfilled financial demands by banks in solving the reports of the customers, could be solved through Banking Mediation. However, there is the fact that the settlement of the disputes nominal under the provisions of the PBI as well as the regulation of Bank Mandiri, aiming to provide protection to the rights of customers. This research aims to examine the disputes between the Aceh’s Bank of Mandiri and the customers, the mediation process in the settlement of disputes between the banks and the customer, and the legal force of the mediation process. This is empirical and normative legal research. Despite of de facto, the process of mediation is final by the peace agreement between the parties written in the act binding both parties. The legal force of the document is equal with a final judicial decision, and the decisions cannot be appealed to the appeal or the supreme courts. In conducting the process of banking mediation, the bank is expected to follow the comprehensive provisions of Indonesia Bank Regulation Number 10/1/PBI/2008.

Effects of golf course construction and operation on water chemistry of headwater streams on the Precambrian Shield

International Nuclear Information System (INIS)

Winter, Jennifer G.; Dillon, Peter J.

2005-01-01

To investigate the effects of golf course construction and operation on the water chemistry of Shield streams, we compared the water chemistry in streams draining golf courses under construction (2) and in operation (5) to streams in forested reference locations and to upstream sites where available. Streams were more alkaline and higher in base cation and nitrate concentrations downstream of operational golf courses. Levels of these parameters and total phosphorus increased over time in several streams during golf course construction through to operation. There was evidence of inputs of mercury to streams on two of the operational courses. Nutrient (phosphorus and nitrogen) concentrations were significantly related to the area of unmanaged vegetation in a 30 x 30 m area on either side of the sampling sites, and to River Bank Quality Index scores, suggesting that maintaining vegetated buffers along the stream on golf courses will reduce in-stream nutrient concentrations. - Golf course construction and operation had a significant impact on alkalinity, nitrogen and base cation concentrations of streams

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…

Antisipasi Pelarian Dana Asing ke Luar Negeri Melalui Perlindungan Kontraktual Pembukaan Rahasia Bank

Directory of Open Access Journals (Sweden)

Tarsisius Murwaji

2015-08-01

invest in other countries’ bank. The creditors, and even Indonesian’s banks costumers, have potential to transfer their money to the banks outside Indonesia. As a result, the fund stored in Indonesian Banks such as saving, deposit, or bond might runagate to the banks in other ASEAN countries. Big investors who think that they lack legal protection will prefer to put their investments in escrow account in banks outside Indonesia, while the position of the Bank of Indonesia’s will only be as executor or project payer. Thus, the Directorate General of Regulation, the Bank of Indonesia, and Indonesia’s Financial Service Authority must take quick action for the harmonization of bank secrecy unveiling regulation to anticipate the realization of AEC. This harmonization should not amend the nature of the bank secrecy regulation from criminal to civil law, but through contractual protection under Bank of Indonesia regulation to redesign the mechanism of bank secrecy unveiling.

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.

Denying Foreign Bank Entry: Implications For Bank Interest Margins

OpenAIRE

Ross Levine

2003-01-01

This paper examines the impact of restricting foreign bank entry on bank net interest margins while controlling for (a) impediments to domestic bank entry, (b) the degree of foreign bank ownership of the domestic banking industry, (c) an array of bank-specific characteristics, (c) banking sectorconcentration, and (d) various country traits. Using data on almost 1200 banks across 47 countries, the results suggest that restricting foreign bank entry boosts bank net interest margins. Also, restr...

Global perspectives on the urban stream syndrome

Science.gov (United States)

Roy, Allison; Booth, Derek B.; Capps, Krista A.; Smith, Benjamin

2016-01-01

Urban streams commonly express degraded physical, chemical, and biological conditions that have been collectively termed the “urban stream syndrome”. The description of the syndrome highlights the broad similarities among these streams relative to their less-impaired counterparts. Awareness of these commonalities has fostered rapid improvements in the management of urban stormwater for the protection of downstream watercourses, but the focus on the similarities among urban streams has obscured meaningful differences among them. Key drivers of stream responses to urbanization can vary greatly among climatological and physiographic regions of the globe, and the differences can be manifested in individual stream channels even through the homogenizing veneer of urban development. We provide examples of differences in natural hydrologic and geologic settings (within similar regions) that can result in different mechanisms of stream ecosystem response to urbanization and, as such, should lead to different management approaches. The idea that all urban streams can be cured using the same treatment is simplistic, but overemphasizing the tremendous differences among natural (or human-altered) systems also can paralyze management. Thoughtful integration of work that recognizes the commonalities of the urban stream syndrome across the globe has benefitted urban stream management. Now we call for a more nuanced understanding of the regional, subregional, and local attributes of any given urban stream and its watershed to advance the physical, chemical, and ecological recovery of these systems.

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

A review of human milk banking and public health policy in Australia.

Science.gov (United States)

Lording, Roslyn J

2006-11-01

Breastmilk is the perfect food for human infants. It is markedly different from, and uniquely superior to, artificial baby milk. Human milk banks are services which collect, screen, process and distribute donated breastmilk. Recipients are generally ill and premature infants whose mothers are unable to breastfeed them. This review of human milk banking in Australian public health policy draws from local and international research. This history of human milk banking and contemporary Australian policies, pertaining to breastfeeding and milk banking, are examined. Human milk banking is noted to be largely invisible from national breastfeeding policies. The barriers to establishing human milk banks in the Australian context are explored. Strategies which have helped generate support for human milk banking are discussed. International research has demonstrated the cost-effectiveness of banked donor milk. It is time for human milk banking to become an integral component of Australian breastfeeding policies, viewed as one of several initiatives to protect and support breastfeeding.

Fees for Advertisements in Public Space Incurred by a Given Bank Brand in Poland

Directory of Open Access Journals (Sweden)

Płuciennik Monika

2017-03-01

Full Text Available This article aims to present significant changes in the rates of fees for advertisements on selected bank buildings located in public space, resulting from the implementation of the so-called "Act on Landscape Protection" (Act on amending certain acts in connection with the strengthening of landscape protection tools from 24 April 2015 (2015 Journal Of Laws, item 774. The Act on landscape protection aims to minimize the amount of signboards in city centers. It introduces significant changes regarding (a fees, (b the expanded definition of advertisements, and (c potential revisions and renewal of advertisements. The implementation of the Act causes significant inconveniences and challenges in the process advertising services. The objective of this research is to assess changes in the costs of advertising incurred by banks. More specifically, the research estimated (a fees incurred by a selected bank brand for signboards placed on all bank branches within the entire country. An altered definition of an advertisement placed in the right-of-way and in public space will cause an increase in the surface of signboards, and, therefore, an increase in fees. In addition, a new type of fee (i.e., advertising fee will increase the expenses incurred by the bank for the specified objects.

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.

Stream II-V5: Revision Of Stream II-V4 To Account For The Effects Of Rainfall Events

International Nuclear Information System (INIS)

Chen, K.

2010-01-01

STREAM II-V4 is the aqueous transport module currently used by the Savannah River Site emergency response Weather Information Display (WIND) system. The transport model of the Water Quality Analysis Simulation Program (WASP) was used by STREAM II to perform contaminant transport calculations. WASP5 is a US Environmental Protection Agency (EPA) water quality analysis program that simulates contaminant transport and fate through surface water. STREAM II-V4 predicts peak concentration and peak concentration arrival time at downstream locations for releases from the SRS facilities to the Savannah River. The input flows for STREAM II-V4 are derived from the historical flow records measured by the United States Geological Survey (USGS). The stream flow for STREAM II-V4 is fixed and the flow only varies with the month in which the releases are taking place. Therefore, the effects of flow surge due to a severe storm are not accounted for by STREAM II-V4. STREAM II-V4 has been revised to account for the effects of a storm event. The steps used in this method are: (1) generate rainfall hyetographs as a function of total rainfall in inches (or millimeters) and rainfall duration in hours; (2) generate watershed runoff flow based on the rainfall hyetographs from step 1; (3) calculate the variation of stream segment volume (cross section) as a function of flow from step 2; (4) implement the results from steps 2 and 3 into the STREAM II model. The revised model (STREAM II-V5) will find the proper stream inlet flow based on the total rainfall and rainfall duration as input by the user. STREAM II-V5 adjusts the stream segment volumes (cross sections) based on the stream inlet flow. The rainfall based stream flow and the adjusted stream segment volumes are then used for contaminant transport calculations.

An Alternative to Channel-Centered Views of the Landscape for Understanding Modern Streams in the Mid-Atlantic Piedmont Region, Eastern USA

Science.gov (United States)

Merritts, D. J.; Walter, R. C.; Rahnis, M. A.; Oberholtzer, W.

2008-12-01

Stream channels generally are the focus of conceptual models of valley bottom geomorphology. The channel-centered model prevalent in the tectonically inactive eastern U. S. invokes meandering stream channels migrating laterally across valley floors, eroding one bank while depositing relatively coarse sediment in point bars on the other. According to this model, overbank deposition during flooding deposits a veneer of fine sediment over the gravel substrate. Erosion is considered normal, and the net volume of sediment is relatively constant with time. A dramatic change in conditions-land-clearing during European settlement--led to widespread aggradation on valley bottoms. This historic sedimentation was incorporated in the channel-centered view by assuming that meandering streams were overwhelmed by the increased sediment load and rapidly aggraded vertically. Later, elevated stream channels cut through these deposits because of decreased sediment supply and increased stormwater runoff accompanying urbanization. This view can be traced to early ideas of stream equilibrium in which incoming sediment supply and runoff determine stream-channel form. We propose a different conceptual model. Our trenching and field work along hundreds of km of stream length in the mid-Atlantic Piedmont reveal no point bars prior to European settlement. Instead, a polygenetic valley-bottom landscape underlies the drape of historic sediment. The planar surface of this veneer gives the appearance of a broad floodplain generated by long-term meandering and overbank deposition, but the "floodplain" is a recent aggradational surface from regional base-level rise due to thousands of early American dams that spanned valley bottoms. As modern streams incise into the historic fine-grained slackwater sediment, they expose organic-rich hydric soils along original valley bottom centers; talus, colluvium, bedrock, and saprolite with forest soils along valley margins; and weathered Pleistocene (and

Interest Free Banking in Nigeria - Welcome Islamic Banking ...

African Journals Online (AJOL)

Interest Free Banking in Nigeria - Welcome Islamic Banking; Welcome Christian Banking. ... banks pay interest on deposits, and charge interest on loans and advances, ... However, the literature on interest rates, in relation to Commercial Bank ...

Maximizing the phylogenetic diversity of seed banks.

Science.gov (United States)

Griffiths, Kate E; Balding, Sharon T; Dickie, John B; Lewis, Gwilym P; Pearce, Tim R; Grenyer, Richard

2015-04-01

Ex situ conservation efforts such as those of zoos, botanical gardens, and seed banks will form a vital complement to in situ conservation actions over the coming decades. It is therefore necessary to pay the same attention to the biological diversity represented in ex situ conservation facilities as is often paid to protected-area networks. Building the phylogenetic diversity of ex situ collections will strengthen our capacity to respond to biodiversity loss. Since 2000, the Millennium Seed Bank Partnership has banked seed from 14% of the world's plant species. We assessed the taxonomic, geographic, and phylogenetic diversity of the Millennium Seed Bank collection of legumes (Leguminosae). We compared the collection with all known legume genera, their known geographic range (at country and regional levels), and a genus-level phylogeny of the legume family constructed for this study. Over half the phylogenetic diversity of legumes at the genus level was represented in the Millennium Seed Bank. However, pragmatic prioritization of species of economic importance and endangerment has led to the banking of a less-than-optimal phylogenetic diversity and prioritization of range-restricted species risks an underdispersed collection. The current state of the phylogenetic diversity of legumes in the Millennium Seed Bank could be substantially improved through the strategic banking of relatively few additional taxa. Our method draws on tools that are widely applied to in situ conservation planning, and it can be used to evaluate and improve the phylogenetic diversity of ex situ collections. © 2014 Society for Conservation Biology.

Bank storage buffers rivers from saline regional groundwater: an example from the Avon River Australia

Science.gov (United States)

Gilfedder, Benjamin; Hofmann, Harald; Cartwrighta, Ian

2014-05-01

Groundwater-surface water interactions are often conceptually and numerically modeled as a two component system: a groundwater system connected to a stream, river or lake. However, transient storage zones such as hyporheic exchange, bank storage, parafluvial flow and flood plain storage complicate the two component model by delaying the release of flood water from the catchment. Bank storage occurs when high river levels associated with flood water reverses the hydraulic gradient between surface water and groundwater. River water flows into the riparian zone, where it is stored until the flood water recede. The water held in the banks then drains back into the river over time scales ranging from days to months as the hydraulic gradient returns to pre-flood levels. If the frequency and amplitude of flood events is high enough, water held in bank storage can potentially perpetually remain between the regional groundwater system and the river. In this work we focus on the role of bank storage in buffering river salinity levels against saline regional groundwater on lowland sections of the Avon River, Victoria, Australia. We hypothesize that the frequency and magnitude of floods will strongly influence the salinity of the stream water as banks fill and drain. A bore transect (5 bores) was installed perpendicular to the river and were instrumented with head and electrical conductivity loggers measuring for two years. We also installed a continuous 222Rn system in one bore. This data was augmented with long-term monthly EC from the river. During high rainfall events very fresh flood waters from the headwaters infiltrated into the gravel river banks leading to a dilution in EC and 222Rn in the bores. Following the events the fresh water drained back into the river as head gradients reversed. However the bank water salinities remained ~10x lower than regional groundwater levels during most of the time series, and only slightly above river water. During 2012 SE Australia

IMPORTANCE OF THE EUROPEAN BANKING UNION NEW DIRECTIVES

Directory of Open Access Journals (Sweden)

MEDAR LUCIAN-ION

2014-10-01

Full Text Available European Banking Union has set new rules on monetary market especially for credit institutions and for financial banking groups in general. Economic and monetary union requires accomplishment of political and monetary union and democratic control of the European institutions on a single financial market. In this respect through its management organisms, EU has designed a series of unique mechanisms of financial union and called for a fiscal union. Union of European financial market is possible through a new regulation of the markets. In this project, monetary union of the EU member countries is possible by implementing single mechanism of supervision (Single Supervisory Mechanism and single mechanism of resolution (Single Resolution Mechanism. European Banking Union may be made by monitoring of a single banking supervisor based on a common system for managing and resolving banking crises and a uniform system of protecting people's savings. Romania opted for these unique mechanisms of macro-prudential supervision of the financial system. And by performing the real convergence criteria of integration, Romania will have all conditions of integration in the ,,euro area,,.

Banking on women's spirit.

Science.gov (United States)

Yunus, M

1993-11-01

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

Urbanization and stream ecology: Diverse mechanisms of change

Science.gov (United States)

Roy, Allison; Capps, Krista A.; El-Sabaawi, Rana W.; Jones, Krista L.; Parr, Thomas B.; Ramirez, Alonso; Smith, Robert F.; Walsh, Christopher J.; Wenger, Seth J.

2016-01-01

The field of urban stream ecology has evolved rapidly in the last 3 decades, and it now includes natural scientists from numerous disciplines working with social scientists, landscape planners and designers, and land and water managers to address complex, socioecological problems that have manifested in urban landscapes. Over the last decade, stream ecologists have met 3 times at the Symposium on Urbanization and Stream Ecology (SUSE) to discuss current research, identify knowledge gaps, and promote future research collaborations. The papers in this special series on urbanization and stream ecology include both primary research studies and conceptual synthesis papers spurred from discussions at SUSE in May 2014. The themes of the meeting are reflected in the papers in this series emphasizing global differences in mechanisms and responses of stream ecosystems to urbanization and management solutions in diverse urban streams. Our hope is that this series will encourage continued interdisciplinary and collaborative research to increase the global understanding of urban stream ecology toward stream protection and restoration in urban landscapes.

Associations of stream geomorphic conditions and prevalence of alternative reproductive tactics among sockeye salmon populations.

Science.gov (United States)

DeFilippo, L B; Schindler, D E; Carter, J L; Walsworth, T E; Cline, T J; Larson, W A; Buehrens, T

2018-02-01

In many species, males may exhibit alternative life histories to circumvent the costs of intrasexual competition and female courtship. While the evolution and underlying genetic and physiological mechanisms behind alternative reproductive tactics are well studied, there has been less consideration of the ecological factors that regulate their prevalence. Here, we examine six decades of age composition records from thirty-six populations of sockeye salmon (Oncorhynchus nerka) to quantify associations between spawning habitat characteristics and the prevalence of precocious sneakers known as 'jacks'. Jack prevalence was independent of neutral genetic structure among stream populations, but varied among habitat types and as a function of continuous geomorphic characteristics. Jacks were more common in streams relative to beaches and rivers, and their prevalence was negatively associated with stream width, depth, elevation, slope and area, but positively related to bank cover. Behavioural observations showed that jacks made greater use of banks, wood and shallows than guard males, indicating that their reproductive success depends on the availability of such refuges. Our results emphasize the role of the physical habitat in shaping reproductive tactic frequencies among populations, likely through local adaptation in response to variable fitness expectations under different geomorphic conditions. © 2017 European Society For Evolutionary Biology. Journal of Evolutionary Biology © 2017 European Society For Evolutionary Biology.

Influences of high-flow events on a stream channel altered by construction of a highway bridge: A case study

Science.gov (United States)

Hedrick, Lara B.; Welsh, Stuart A.; Anderson, James T.

2009-01-01

Impacts of highway construction on streams in the central Appalachians are a growing concern as new roads are created to promote tourism and economic development in the area. Alterations to the streambed of a first-order stream, Sauerkraut Run, Hardy County, WV, during construction of a highway overpass included placement and removal of a temporary culvert, straightening and regrading of a section of stream channel, and armourment of a bank with a reinforced gravel berm. We surveyed longitudinal profiles and cross sections in a reference reach and the altered reach of Sauerkraut Run from 2003 through 2007 to measure physical changes in the streambed. During the four-year period, three high-flow events changed the streambed downstream of construction including channel widening and aggradation and then degradation of the streambed. Upstream of construction, at a reinforced gravel berm, bank erosion was documented. The reference section remained relatively unchanged. Knowledge gained by documenting channel changes in response to natural and anthropogenic variables can be useful for managers and engineers involved in highway construction projects.

Impact of E-Banking on Traditional Banking Services

OpenAIRE

Vyas, Shilpan Dineshkumar

2012-01-01

Internet banking is changing the banking industry, having the major effects on banking relationships. Banking is now no longer confined to the branches were one has to approach the branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. In true Internet banking, any inquiry or transaction is processed online without any reference to the branch (anywhere banking) at any time. Providing Internet banking is increasingly becoming a "need to have" than a "nice to...

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.

A continuous-flow system for measuring in vitro oxygen and nitrogen metabolism in separated stream communities

DEFF Research Database (Denmark)

Prahl, C.; Jeppesen, E.; Sand-Jensen, Kaj

1991-01-01

on the stream bank, consists of several macrophyte and sediment chambers equipped with a double-flow system that ensures an internal water velocity close to that in the stream and which, by continuously renewing the water, mimics diel fluctuation in stream temperature and water chemistry. Water temperature...... production and dark respiration occurred at similar rates (6-7g O2 m-2 day-1), net balance being about zero. Inorganic nitrogen was consumed both by the sediment and to a greater extent by the macrophytes, the diel average consumption being 1g N m-2 day-1. 3. The sum of the activity in the macrophyte...... and sediment chambers corresponded to the overall activity of the stream section as determined by upstream/downstream mass balance. This indicates that the results obtained with the continuous-flow chambers realistically describe the oxygen and the nitrogen metabolism of the stream....

Greentowers in Frankfurt. Second life cycle of the Deutsche Bank towers; Greentowers in Frankfurt. Zweiter Lebenszyklus fuer Hochhaustuerme der Deutschen Bank

Energy Technology Data Exchange (ETDEWEB)

Lauster, Marcus

2011-07-01

The two towers of the headquarters of Deutsche Bank in Frankfurt were modernized on the basis of a new climate strategy in order to minimize the operating cost and help protect the climate. (orig./AKB)

Autonomous Byte Stream Randomizer

Science.gov (United States)

Paloulian, George K.; Woo, Simon S.; Chow, Edward T.

2013-01-01

Net-centric networking environments are often faced with limited resources and must utilize bandwidth as efficiently as possible. In networking environments that span wide areas, the data transmission has to be efficient without any redundant or exuberant metadata. The Autonomous Byte Stream Randomizer software provides an extra level of security on top of existing data encryption methods. Randomizing the data s byte stream adds an extra layer to existing data protection methods, thus making it harder for an attacker to decrypt protected data. Based on a generated crypto-graphically secure random seed, a random sequence of numbers is used to intelligently and efficiently swap the organization of bytes in data using the unbiased and memory-efficient in-place Fisher-Yates shuffle method. Swapping bytes and reorganizing the crucial structure of the byte data renders the data file unreadable and leaves the data in a deconstructed state. This deconstruction adds an extra level of security requiring the byte stream to be reconstructed with the random seed in order to be readable. Once the data byte stream has been randomized, the software enables the data to be distributed to N nodes in an environment. Each piece of the data in randomized and distributed form is a separate entity unreadable on its own right, but when combined with all N pieces, is able to be reconstructed back to one. Reconstruction requires possession of the key used for randomizing the bytes, leading to the generation of the same cryptographically secure random sequence of numbers used to randomize the data. This software is a cornerstone capability possessing the ability to generate the same cryptographically secure sequence on different machines and time intervals, thus allowing this software to be used more heavily in net-centric environments where data transfer bandwidth is limited.

PERLINDUNGAN HUKUM PEMEGANG KARTU KREDIT SEBAGAI NASABAH BANK BERDASARKAN PERJANJIAN MERCHANT

Directory of Open Access Journals (Sweden)

Sunarjo Sunarjo

2017-10-01

Full Text Available Law protection became a basic element in law relation which had justice dimension. Without law protection, law relation got imbalance which would make conflict inter party. On philosophy dimension, law protection included 3 aspects. The dimensions were ontology, epistemology, and axiology. Ontology contemplated the essence and the meaning of something. Epistemology contemplated the way or the method to reach something, and axiologyelaborated the benefit or the use of something. Law protection had a meaning as a protection using law as the medium or a protection which was accommodated by law. It was directed to a certain interest relating to the law. Technically it was by making an interest which was needed to protect into a law right. In law relation of business transaction payment using credit card, it involved 3 parties, namely issuing bank (the bank which issued the card, card holder (the one who held the card andmerchant (the places which accepted the payment using credit card. The three parties had a different law relation. The parties, especially the card holder, had to be protected legally so they did not suffer financial loss when they did transaction and when they did payment using credit card. ?Perlindungan hukum menjadi elemen mendasar dalam hubungan hukum yang berdimensi keadilan. Tanpa perlindungan hukum, hubungan hukum diwarnai ketimpangan yang akan menimbulkan pertentangan antar pihak. Pada dimensi filsafat, perlindungan hukum itu menyangkut tiga aspek. Dimensi dimaksud adalah ontologi, epistimologi, dan aksiologi. Ontologi berkontemplasi tentang hakekat atau makna sesuatu. Epistimologi berkontemplasi tentang cara atau metode mencapai sesuatu, dan aksiologi mengelaborasi manfaat atau kegunaan sesuatu hal. Perlindungan hukum mempunyai makna sebagai perlindungan dengan menggunakan sarana hukum atau perlindungan yang diakomodasikan oleh hukum, ditujukan kepada perlindungan terhadap kepentingan tertentu dalam hubungan hukum. Teknisnya

Risk assessment of salinity and turbidity in Victoria (Australia) to stream insects' community structure does not always protect functional traits.

Science.gov (United States)

Kefford, Ben J; Schäfer, Ralf B; Metzeling, Leon

2012-01-15

Ecological risk assessments mostly consider measures of community composition (structure) across large spatial scales. These assessments, using species sensitivity distributions (SSDs) or the relative species retention (RSR), may not be protective of ecosystem functions and services at smaller spatial scales. Here we examine how changes in biological traits, as proxy for ecosystem functions/services, at a fine spatial scale relate to larger scale assessment of structure. We use functional traits of stream insect species in south-east Australia in two habitats (riffle and edge/pool). We find that the protection of community structure in terms of 95% of species over multiple sites against adverse effects of salinity (as electrical conductivity) and turbidity will mostly, but not always, protect traits at smaller scales. Considering different combinations of trait modalities, contaminants and habitat, a mean of 17.5% (range 0%-36.8) of cases would result in under-protection of trait modalities despite protecting species composition (in terms of Jaccard's Index). This under-protection of trait modalities is only because of the different spatial scales that community structure and the traits were considered. We recommend that where the protection of biological traits, ecosystem functions or ecosystem services from stressors is a management goal, protective targets should not be solely set using measures of community structure such as SSDs or RSR. To protect both structural and functional attributes separate risk assessments should be done. Copyright © 2011 Elsevier B.V. All rights reserved.

Use of Banking Services in Emerging Markets -Household-Level Evidence (Replaces EBC DP 2010-025)

OpenAIRE

Beck, T.H.L.; Brown, M.

2011-01-01

This paper uses survey data for 60,000 households from 29 transition economies in 2006 and 2010 to explore how the use of banking services is related to household characteristics, as well as to bank ownership, deposit insurance and creditor protection. At the household level we find that the holding of a bank account, a bank card, or a mortgage increases with income and education in most countries and find evidence for an urban-rural gap. The use of banking services is also related to the rel...

12 CFR 590.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Science.gov (United States)

2010-01-01

... housing loans-consumer protection provisions. 590.4 Section 590.4 Banks and Banking OFFICE OF THRIFT... manufactured housing loans—consumer protection provisions. (a) Definitions. As used in this section: (1... protection to consumers. Such determinations shall be published in the Federal Register and shall operate...

Characterizing Soil Lead Contamination Near Streams in Oakland, California

Science.gov (United States)

Tanouye, D.

2017-12-01

Lead (Pb) contamination of soils, groundwater, and surface waters is a major concern because of the potential health risks related to accumulation of high levels of lead in blood. This is a pervasive issue in many low-income neighborhoods throughout the United States, and is documented to be particularly acute in West Oakland, California. The fate and transport of lead in the environment is largely dependent on how it will bind to various solids and compounds in solution. These adsorption mechanisms are a principal aspect of metal dissolution and chemical speciation. Stream channels are natural drainage areas for urban runoff, and may represent a hot spot for increased levels of lead. This study evaluates the environmental conditions at 15 sites near streams in West Oakland using in-situ soil sampling with the handheld X-Ray Fluorescence (XRF) analyzer to measure concentrations of lead in soil. Results from this study suggest that the levels of lead in soils near stream channels are generally lower than the regional regulatory screening level of 80 milligrams per kilogram (mg/kg), but the highest concentrations are found near stream banks. The spatial distribution can be explained by a contaminant transport process related to the presence of fluvial channels.

Legacy effects of colonial millponds on floodplain sedimentation, bank erosion, and channel morphology, MID-Atlantic, USA

Science.gov (United States)

Schenk, E.R.; Hupp, C.R.

2009-01-01

Many rivers and streams of the Mid-Atlantic Region, United States (U.S.) have been altered by postcolonial floodplain sedimentation (legacy sediment) associated with numerous milldams. Little Conestoga Creek, Pennsylvania, a tributary to the Susquehanna River and the Chesapeake Bay, is one of these streams. Floodplain sedimentation rates, bank erosion rates, and channel morphology were measured annually during 2004-2007 at five sites along a 28-km length of Little Conestoga Creek with nine colonial era milldams (one dam was still in place in 2007). This study was part of a larger cooperative effort to quantify floodplain sedimentation, bank erosion, and channel morphology in a high sediment yielding region of the Chesapeake Bay watershed. Data from the five sites were used to estimate the annual volume and mass of sediment stored on the floodplain and eroded from the banks for 14 segments along the 28-km length of creek. A bank and floodplain reach based sediment budget (sediment budget) was constructed for the 28 km by summing the net volume of sediment deposited and eroded from each segment. Mean floodplain sedimentation rates for Little Conestoga Creek were variable, with erosion at one upstream site (-5 mm/year) to deposition at the other four sites (highest = 11 mm/year) despite over a meter of floodplain aggradation from postcolonial sedimentation. Mean bank erosion rates range between 29 and 163 mm/year among the five sites. Bank height increased 1 m for every 10.6 m of channel width, from upstream to downstream (R2 = 0.79, p scouring downstream. The floodplain and bank along the 28-km reach produced a net mean sediment loss of 5,634 Mg/year for 2004-2007, indicating that bank erosion was exceeding floodplain sedimentation. In particular, the three segments between the existing dam and the confluence with the Conestoga River (32% of the studied reach) account for 97% of the measured net sediment budget. Future research directed at understanding channel

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.

Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

OpenAIRE

Nuryati; Gendis Gumilar, Amethysa

2011-01-01

This study analyzes and compares the financial risk of the two types of commercial banks, namely conventional commercial bank and Islamic commercial bank. Analysis tools used in this study is to use financial ratios and dicriminant values (Z values). Analysis showed that the ratio of liquidity and solvability ratios higher islamic commercial bank than conventional commercial bank. Z values higher islamic commercial bank than conventional commercial bank. The commercial banks are in a state of...

An Overview of Corporate Governance Practices of Selected Islamic Banks

Directory of Open Access Journals (Sweden)

Zainab Belal

2016-05-01

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

Watershed impervious cover relative to stream location

Data.gov (United States)

U.S. Environmental Protection Agency — Estimates of watershed (12-digit huc) impervious cover and impervious cover near streams and water body shorelines for three dates (2001, 2006, 2011) using NLCD...

Is banking supervision central to central banking?

OpenAIRE

Joe Peek; Eric S. Rosengren; Geoffrey M. B. Tootell

1997-01-01

Whether central banks should play an active role in bank supervision and regulation is being debated both in the United States and abroad. While the Bank of England has recently been stripped of its supervisory responsibilities and several proposals in the United States have advocated removing bank supervision from the Federal Reserve System, other countries are considering enhancing central bank involvement in this area. Many of the arguments for and against these proposals hinge on the effe...

Dual certification for bank skyscrapers. A company headquarter gets a Green Building; Duale Zertifizierung fuer Bank-Tuerme. Eine Konzernzentrale wird zum Green Building

Energy Technology Data Exchange (ETDEWEB)

Luft, Christian; Bauer, Michael [Drees und Sommer Advanced Building Technologies GmbH, Stuttgart (Germany)

2011-07-01

Fire protection regulations force the Deutsche Bank AG (Frankfurt/Main, Federal Republic of Germany) to extensive reorganization measures in order to continuously operate their buildings. As part of a complete renovation, Deutsche Bank AG has stipulated a modern, innovative and sustainable example. This is confirmed by the Green Building Certification with the US american label LEED registered in Platinum as well as the German sustainability certificate of the Germain Sustainable Building Council (Stuttgart, Federal Republic of Germany) in gold.

78 FR 40394 - Safety Zone; Outer Banks Bluegrass Festival; Shallowbag Bay, Manteo, NC

Science.gov (United States)

2013-07-05

...-AA00 Safety Zone; Outer Banks Bluegrass Festival; Shallowbag Bay, Manteo, NC AGENCY: Coast Guard, DHS... Festival. This action is necessary to protect the life and property of the maritime public from the hazards... Shallowbag Bay River during the Outer Banks Bluegrass Festival Fireworks display. DATES: This rule is...

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

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.

USE OF DIATOMS TO ASSES WATER QUALITY OF ANTHROPOGENICALLY MODIFIED MATYSÓWKA STREAM

Directory of Open Access Journals (Sweden)

Teresa Noga

2013-04-01

Full Text Available Matysówka stream is small, under 6 km long watercourse, which is a right-bank tributary of Strug River. In 2009–2011studies on the subject of diversity of diatom communities using diatom indices IPS, GDI and TDI for water quality assessment were conducted. On the stream 271 diatom taxa were identified, among which: Achnanthidium minutissimum var. minutissimum, Navicula cryptotenella, N. gregaria, N. lanceolata, N. tripunctata, Nitzschia linearis, N. pusilla, N. recta, Planothidium frequentissimum, Rhoicosphenia abbreviata were the most frequent. Middle and lower section of Matysówka stream was characterized by increased concentrations of phosphates, nitrites, ammonium, total phosphorus and nitrogen, BOD5. On the basis of diatom indices IPS and GDI waters were characterized as III–IV quality classes, while the TDI index revealed the worst water quality classes (IV–V.

Links between riparian landcover, instream environment and fish assemblages in headwater streams of south-eastern Brazil

Science.gov (United States)

Cruz, Bruna B.; Miranda, Leandro E.; Cetra, Mauricio

2013-01-01

We hypothesised and tested a hierarchical organisation model where riparian landcover would influence bank composition and light availability, which in turn would influence instream environments and control fish assemblages. The study was conducted during the dry season in 11 headwater tributaries of the Sorocaba River in the upper Paraná River Basin, south-eastern Brazil. We focused on seven environmental factors each represented by one or multiple environmental variables and seven fish functional traits each represented by two or more classes. Multivariate direct gradient analyses suggested that riparian zone landcover can be considered a higher level causal factor in a network of relations that control instream characteristics and fish assemblages. Our results provide a framework for a hierarchical conceptual model that identifies singular and collective influences of variables from different scales on each other and ultimately on different aspects related to stream fish functional composition. This conceptual model is focused on the relationships between riparian landcover and instream variables as causal factors on the organisation of stream fish assemblages. Our results can also be viewed as a model for headwater stream management in that landcover can be manipulated to influence factors such as bank composition, substrates and water quality, whereas fish assemblage composition can be used as indicators to monitor the success of such efforts.

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.

Capacitor Bank 'CHANDI' for Plasma Target Production for Liner Plasma Interaction

International Nuclear Information System (INIS)

Shukla, R.; Sharma, S.K.; Debnath, K.; Shyam, A.

2006-01-01

A capacitor bank is fabricated to drive (JXB) Plasma gun to generate hot plasma (target) for liner plasma investigation. The bank will also be used for driving other pintch experiments. The bank consists of 8 capacitors connected in parallel, each having capacitance of 178 μF giving a total of 1424uF. The bank is charged at 15 kV using a 28 kV power supply charging the capacitors in 65 seconds utilizing full wave charging technique. The total energy of the bank is 160kJ at 15kV. A modeling of power supply was done so that all the components involved are utilized to their operating limit safely. Moreover to give fault protection to the capacitor bank we have implemented the neutral control technique in the power supply. The capacitor bank is discharged to the inductive load through an ignitron switch of very high coulomb rating and capable of withstanding high voltages at its electrodes. The cables used for connecting capacitor bank with ignitron switch are used in parallel to give them collective capability of bearing capacitor discharge currents. These cables are capable of holding high DC voltages (40kV), which appear at the time of charging of the bank. The bank is tested and is operational

12 CFR 216.16 - Protection of Fair Credit Reporting Act.

Science.gov (United States)

2010-01-01

... PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Relation to Other Laws; Effective Date § 216.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 216.16...

12 CFR 716.16 - Protection of Fair Credit Reporting Act.

Science.gov (United States)

2010-01-01

... PRIVACY OF CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 716.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or supersede the... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 716.16...

12 CFR 332.16 - Protection of Fair Credit Reporting Act.

Science.gov (United States)

2010-01-01

... GENERAL POLICY PRIVACY OF CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 332.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 332.16...

GUARANTEEING THE TROUBLE-FREE OPERATION OF CAPACITOR BANKS IN POWER-SUPPLY SYSTEMS OF INDUSTRIAL ENTERPRISES

Directory of Open Access Journals (Sweden)

D.A. Gapon

2016-03-01

Full Text Available Purpose. The problem of resonance phenomena in power systems of industrial enterprises using capacitor banks for reactive power compensation was detected. Circuit of the capacitor banks tier to downshift main substation tires is present. But there is no common algorithm to calculate and avoid such trouble. The main goal of this article is to introduce some basics for power supply systems with possible resonant circuits engineering. Methodology. At the first step the data on the change of the current in the chemical company network when changing capacitor banks value are received. For these purposes the oscilloscope function of digital protection relay was used. Current data samples were analyzed by spectrum detection software. Most significant levels of the 3rd and 5th harmonics were achieved. Comparison of harmonic distortion levels with and without capacitor bank is given. Results. Achieved data allow making conclusion about overloading reasons of capacitor banks while higher harmonics currents presence. A voltage and current harmonious composition measuring in the absence of power quality analyzers using digital protection relay terminals or emergencies registers are proposed. The necessity of power quality monitoring near capacitor banks connections to avoid resonance phenomena (current and voltage resonance in industrial power supply systems is proven. The control algorithm of capacitor banks to provide electromagnetic compatibility, while various modes of nonlinear load operation is given. Originality. Using of digital protection relay oscilloscoping for current resonant detection can allow to significally reduce time and cost of solution. Replacement parallel circuit comprising a branch and one active-inductive load to another branch network in the presence of higher harmonics source are proposed. Practical value. A sequence for measuring the levels of harmonic components at the connections of capacitor banks in the absence of specialized

Prospects of implementation of "Basel III" international standards for domestic banks based on international experience

Directory of Open Access Journals (Sweden)

Baha Oksana

2016-04-01

Full Text Available This article summarizes the main requirements of the "Basel III" new standards in the context of banks capital regulation and identifies prospects for implementation of domestic banks based on analysis of international experience. The urgency of the problem is formulated in the need to restore the stability of the banking system of Ukraine with the new standards, which purpose is to increase the stability of banks and to protect the rights of financial services consumers. The main threats faced by the banking systems of developed countries and possible for the Ukrainian financial system were determined. The ways of achieving maximum benefits of new banking reform introduction were proposed.

Use of Banking Services in Emerging Markets -Household-Level Evidence (Replaces CentER DP 2010-092)

OpenAIRE

Beck, T.H.L.; Brown, M.

2011-01-01

This paper uses survey data for 60,000 households from 29 transition economies in 2006 and 2010 to explore how the use of banking services is related to household characteristics, as well as to bank ownership, deposit insurance and creditor protection. At the household level we find that the holding of a bank account, a bank card, or a mortgage increases with income and education in most countries and find evidence for an urban-rural gap. The use of banking services is also related to the rel...

Content-Adaptive Packetization and Streaming of Wavelet Video over IP Networks

Directory of Open Access Journals (Sweden)

Chien-Peng Ho

2007-03-01

Full Text Available This paper presents a framework of content-adaptive packetization scheme for streaming of 3D wavelet-based video content over lossy IP networks. The tradeoff between rate and distortion is controlled by jointly adapting scalable source coding rate and level of forward error correction (FEC protection. A content dependent packetization mechanism with data-interleaving and Reed-Solomon protection for wavelet-based video codecs is proposed to provide unequal error protection. This paper also tries to answer an important question for scalable video streaming systems: given extra bandwidth, should one increase the level of channel protection for the most important packets, or transmit more scalable source data? Experimental results show that the proposed framework achieves good balance between quality of the received video and level of error protection under bandwidth-varying lossy IP networks.

KONSEP PENGATURAN PENJAMINAN SIMPANAN NASABAH PADA BANK SYARIAH

Directory of Open Access Journals (Sweden)

Danang Wahyu Muhammad

2016-01-01

between Islamic Banks and the institution that guarantees its customer fund in Islamic Banks which at the end will guarantee protection towards the customers who are willing to perform Islamic religious duty in a good and correct way.

12 CFR 573.16 - Protection of Fair Credit Reporting Act.

Science.gov (United States)

2010-01-01

... CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 573.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or supersede the operation of the... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 573.16...

IT Security Management Implementation Model in Iranian Bank Industry

Directory of Open Access Journals (Sweden)

Mona Vanaki

2017-06-01

Full Text Available According to the complexity and differences between Iranian banks and other developed countries the appropriate actions to implement effective security management of information technology have not been taken. The aim of this study was to create a powerful model by selecting the appropriate security controls to protect information assets in the bank. In this model, at first the principle set fort in ISO standard 27001, was extracted and then by further studies derived from best practices carried out in the world on the related subject from 2008 to 2016 using a qualitative descriptive method, points comply with information security management in the banking industry were added to it. With the study of Iranian banks in dealing with IT security management system and with help of action research tools, provisions which prevent the actual implementation of this standard was removed and finally a conceptual model with operating instructions and considering all the principles of information security management standard, as well as banking institutions focusing on the characteristics of Iran was proposed.

Channel Bank Cohesion and the Maintenance of Suspension Rivers

Science.gov (United States)

Dunne, K. B. J.; Jerolmack, D. J.

2017-12-01

Gravel-bedded rivers organize their channel geometry and grain size such that transport is close to the threshold of motion at bankfull. Sand-bedded rivers, however, typically maintain bankfull fluid shear (or Shields) stresses far in excess of threshold; there is no widely accepted explanation for these "suspension rivers". We propose that all alluvial rivers are at the threshold of motion for their erosion-limiting material, i.e., the structural component of the river cross-section that is most difficult to mobilize. The entrainment threshold of gravel is large enough that bank cohesion has little influence on gravel-bed rivers. Sand, however, is the most easily entrained material; silt and clay can raise the entrainment threshold of sand by orders of magnitude. We examine a global dataset of river channel geometry and show that the shear stress range for sand-bedded channels is entirely within the range of entrainment thresholds for sand-mud mixtures - suggesting that rivers that suspend their sandy bed material are still threshold rivers in terms of bank material. We then present new findings from a New Jersey coastal-plain river examining if and how river-bank toe composition controls hydraulic geometry. We consider the toe because it is the foundation of the river bank, and its erosion leads to channel widening. Along a 20-km profile of the river we measure cross-section geometry, bed slope, and bed and bank composition, and we explore multiple methods of measuring the threshold shear stress of the the river-bank toe in-situ. As the composition of the river bed transitions from gravel to sand, we see preliminary evidence of a shift from bed-threshold to bank-threshold control on hydraulic geometry. We also observe that sub-bankfull flows are insufficient to erode (cohesive) bank materials, even though transport of sand is active at nearly all flows. Our findings highlight the importance of focusing on river-bank toe material, which in the studied stream is

Analisis Perbandingan Kinerja Pada Bank Nasional, Bank Campuran, Dan Bank Asing Yang Terdaftar Di Bursa Efek Indonesia

OpenAIRE

Angel, Christania Graciella

2014-01-01

Bank performance appraisal is based on bank financial report itself. The financial report can be form balance report which give information about the financial position to the outside of bank that can be used of eksternal to assess the level of risk exist in a bank. Based on ownership consist of national bank, mixture bank and foreign bank. These banks has tight compete to show a good performance to the public. This research aimed to analyze the financial performance difference of national ba...

CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

OpenAIRE

Inder Pal Singh S/o Roop singh*, Dr. Payal Bassi

2017-01-01

E- Banking is about using the infrastructure for digital age to create opportunities, both local & global. IT enables the dramatic lowering of transaction cost and the creation of new types of banking opportunities that address the barriers of time and distance. Banking opportunities are local, global and immediate in e-banking. Internet banking has many advantages over other traditional banking delivery methods. Internet banking provides banks with an increased customer base, cost savings, m...

Electronic Banking And Bank Performance In Nigeria

African Journals Online (AJOL)

2013-03-01

Mar 1, 2013 ... deploying information Technology in banks therefore can ... profitability indices and other control of financial ..... impact of e-banking on bank profitability ..... [13] Nikolai L. and Bazlay J.D (1997) Intermediate Accounting, South-.

PERLINDUNGAN HUKUM BAGI PEMOHON KREDIT DENGAN MENGACU PADA ASAS KESEIMBANGAN ANTARA PELAKU USAHA (BANK DAN KONSUMENNYA (PEMOHON KREDIT

Directory of Open Access Journals (Sweden)

Ni Luh Putu Sri Suryaningsih

2012-10-01

Full Text Available Banking institutions as one of the financial institutions have a strategic rolein supporting the economic life of a country. Banking institutions meant hereas an intermediary of the parties who have surplus funds to the lack of funds.Banking activities that provide services on the economic sector that do not inspite of the risks that could harm the banks themselves and the customer.Relationship between the bank and the customer is bound to a creditagreement unnoticed by the debtor of his rights is often overlooked by thebank. Guaranteeing the law protection and law certainty for the debtorslosing for such unilateral, the regulations of consumer protection, therefore,have important functions. The type of research used in this paper is thenormative legal research. This research moved from the inclusion of thestandard clause that would open up opportunities for businesses, especiallybanks to position the client, in this case the credit applicant, to be weakerthan the bank.

StreamNet Query System: Protected Areas

Data.gov (United States)

Pacific States Marine Fisheries Commission — Beginning in 1983, the Northwest Power Planning Council (Council) directed extensive studies of existing habitat and has analyzed alternative means of protection. In...

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

Science.gov (United States)

2010-04-21

... Carolina, Seneca National Bank, Seneca, South Carolina, and The Peoples National Bank, Easley, South... 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 Act (12 U.S.C...

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 ...

Recent and historic sediment dynamics along Difficult Run, a suburban Virginia Piedmont stream

Science.gov (United States)

Hupp, Cliff R.; Noe, Gregory B.; Schenk, Edward R.; Bentham, Adam J.

2012-01-01

Suspended sediment is one of the major concerns regarding the quality of water entering the Chesapeake Bay. Some of the highest suspended-sediment concentrations occur on Piedmont streams, including Difficult Run, a tributary of the Potomac River draining urban and suburban parts of northern Virginia. Accurate information on catchment level sediment budgets is rare and difficult to determine. Further, the sediment trapping portion of sediment budget represents an important ecosystem service that profoundly affects downstream water quality. Our objectives, with special reference to human alterations to the landscape, include the documentation and estimation of floodplain sediment trapping (present and historic) and bank erosion along an urbanized Piedmont stream, the construction of a preliminary sediment balance, and the estimation of legacy sediment and recent development impacts. We used white feldspar markers to measure floodplain sedimentation rates and steel pins to measure erosion rates on floodplains and banks, respectively. Additional data were collected for/from legacy sediment thickness and characteristics, mill pond impacts, stream gaging station records, topographic surveying, and sediment density, texture, and organic content. Data were analyzed using GIS and various statistical programs. Results are interpreted relative to stream equilibrium affected by both post-colonial bottomland sedimentation (legacy) and modern watershed hardening associated with urbanization. Six floodplain/channel sites, from high to low in the watershed, were selected for intensive study. Bank erosion ranges from 0 to 470 kg/m/y and floodplain sedimentation ranges from 18 to 1369 kg/m/y (m refers to meters of stream reach). Upstream reaches are net erosional, while downstream reaches have a distinctly net depositional flux providing a watershed sediment balance of 2184 kg/m/y trapped within the system. The amounts of both deposition and erosion are large and suggest

Recent and historic sediment dynamics along Difficult Run, a suburban Virginia Piedmont stream

Science.gov (United States)

Hupp, Cliff R.; Noe, Gregory B.; Schenk, Edward R.; Benthem, Adam J.

2013-01-01

Suspended sediment is one of the major concerns regarding the quality of water entering the Chesapeake Bay. Some of the highest suspended-sediment concentrations occur on Piedmont streams, including Difficult Run, a tributary of the Potomac River draining urban and suburban parts of northern Virginia. Accurate information on catchment level sediment budgets is rare and difficult to determine. Further, the sediment trapping portion of sediment budget represents an important ecosystem service that profoundly affects downstream water quality. Our objectives, with special reference to human alterations to the landscape, include the documentation and estimation of floodplain sediment trapping (present and historic) and bank erosion along an urbanized Piedmont stream, the construction of a preliminary sediment balance, and the estimation of legacy sediment and recent development impacts. We used white feldspar markers to measure floodplain sedimentation rates and steel pins to measure erosion rates on floodplains and banks, respectively. Additional data were collected for/from legacy sediment thickness and characteristics, mill pond impacts, stream gaging station records, topographic surveying, and sediment density, texture, and organic content. Data were analyzed using GIS and various statistical programs. Results are interpreted relative to stream equilibrium affected by both post-colonial bottomland sedimentation (legacy) and modern watershed hardening associated with urbanization. Six floodplain/channel sites, from high to low in the watershed, were selected for intensive study. Bank erosion ranges from 0 to 470 kg/m/y and floodplain sedimentation ranges from 18 to 1369 kg/m/y (m refers to meters of stream reach). Upstream reaches are net erosional, while downstream reaches have a distinctly net depositional flux providing a watershed sediment balance of 2184 kg/m/y trapped within the system. The amounts of both deposition and erosion are large and suggest

Governance, legislation and protection of intermittent rivers and ephemeral streams

Science.gov (United States)

Institutions and processes governing the conveyance and control of water have a long history. In this chapter, we discuss the extent to which water governance systems consider the management of intermittent rivers and ephemeral streams (IRES) and identify where research could inf...

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...

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

Science.gov (United States)

2010-08-13

... Peoples Bank and Trust Company, both of North Carrollton, Mississippi. B. Federal Reserve Bank of Dallas... 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 Act (12 U.S.C...

PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

OpenAIRE

IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

2009-01-01

The paper examines the features of private banking business focusing on the substantial growth in private banking over the last decade as commercial banks have targeted upmarket high net worth individuals. The accumulation of wealth has prompted the development of private banking services for high net worth individuals, offering special relationships and investment services. Private banking is about much more than traditional banking services of deposits and loans. It's about providing a one-...

Banking contracts

OpenAIRE

Durčáková, Klára

2010-01-01

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...

Stabilitas Bank, Tingkat Persaingan Antar Bank dan Diversifikasi Sumber Pendapatan: Analisis Per Kelompok Bank di Indonesia

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2016-08-01

Full Text Available Abstract. The"Competition-fragility" view and The "Competition-stability" view has a contrary logical flow in predicting the relationship between bank stability and competition among banks. According to Berger et al (2009, these two views differ on credit risk aspect of loan portfolio, but on the risks faced by the bank as a whole, these two views have the same prediction. In the credit market which is dominated by few banks with substantial market power, the risk of bank credit portfolio increases as predicted by the view "competition-fragility", but the bank's overall risk does not always go up with the jump in credit portfolio risk. The paper shows that empirical test of the Indonesian banking system support this hypothesis, except in foreign bank group that has its own business model. The relationship of competition and the credit risk of banks in Indonesia also have a U -shape pattern that increasing competition in the early stages can reduce credit risk, which is due to increasing income diversification and diversification of bank credit type, but at a certain point the increasing competition has worsened the quality of bank credit portfolio. Key word: banking competition, risk, stability, fragility, diversification

Internet Banking integration within the banking system

OpenAIRE

Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

2008-01-01

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....

Political and Economic Geomorphology: The Effect of Market Forces on Stream Restoration Designs

Science.gov (United States)

Singh, J.; Doyle, M. W.; Lave, R.; Robertson, M.

2013-12-01

Stream restoration in the U.S. is increasingly driven by compensatory mitigation; impacts to streams associated with typical land development activities must be offset via restoration of streams elsewhere. This policy application creates conditions in which restored stream ';credits' are traded under market-like conditions, comparable to wetland mitigation, carbon offsets, or endangered species habitat banking. The effect of this relatively new mechanism to finance stream restoration on design and construction is unknown. This research explores whether the introduction of a credit-based mitigation apparatus results in streams designed to maximize credit yields (i.e., ';credit-chasing') rather than focusing on restoring natural systems or functions. In other words, are market-based restored streams different from those designed for non-market purposes? We quantified geomorphic characteristics (e.g. hydraulic geometry, sinuosity, profile, bed sediment, LWD) of three types of streams: (1) a random sample of non-restored reaches, (2) streams restored for compensatory mitigation, and (3) streams restored under alternative funding sources (e.g., government grant programs, non-profit activities). We also compared the location of the types of stream reaches to determine whether there is a spatiality of restored streams. Physical data were complemented with a series of semi-structured interviews with key personnel in the stream restoration industry to solicit information on the influence of policy interpretation and market-driven factors on the design process. Preliminary analysis suggests that restoration is driving a directional shift in stream morphology in North Carolina. As a simple example, in the Piedmont, non-restored and restored channels had mean sinuosity of 1.17 and 1.23, respectively (p sale of restored stream credits, was seen as critically important rather than the marginal gains to be made by manipulating particular stream designs to glean more credits

BrainNet Europe's Code of Conduct for brain banking.

Science.gov (United States)

Klioueva, Natasja M; Rademaker, Marleen C; Dexter, David T; Al-Sarraj, Safa; Seilhean, Danielle; Streichenberger, Nathalie; Schmitz, Peer; Bell, Jeanne E; Ironside, James W; Arzberger, Thomas; Huitinga, Inge

2015-07-01

Research utilizing human tissue and its removal at post-mortem has given rise to many controversies in the media and posed many dilemmas in the fields of law and ethics. The law often lacks clear instructions and unambiguous guidelines. The absence of a harmonized international legislation with regard to post-mortem medical procedures and donation of tissue and organs contributes to the complexity of the issue. Therefore, within the BrainNet Europe (BNE) consortium, a consortium of 19 European brain banks, we drafted an ethical Code of Conduct for brain banking that covers basic legal rules and bioethical principles involved in brain banking. Sources include laws, regulations and guidelines (Declarations, Conventions, Recommendations, Guidelines and Directives) issued by international key organizations, such as the Council of Europe, European Commission, World Medical Association and World Health Organization. The Code of Conduct addresses fundamental topics as the rights of the persons donating their tissue, the obligations of the brain bank with regard to respect and observance of such rights, informed consent, confidentiality, protection of personal data, collections of human biological material and their management, and transparency and accountability within the organization of a brain bank. The Code of Conduct for brain banking is being adopted by the BNE network prior to being enshrined in official legislation for brain banking in Europe and beyond.

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

Science.gov (United States)

2010-02-02

... 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 Act (12 U.S.C. 1817(j)) and Sec. [thinsp]225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank...

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

Science.gov (United States)

2010-01-25

... 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 Act (12 U.S.C. 1817(j)) and Sec. [thinsp]225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank...

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

Science.gov (United States)

2010-03-02

... 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 Act (12 U.S.C. 1817(j)) and Sec. [thinsp]225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank...

National Aquatic Resource Survey Rivers and Streams Data

Data.gov (United States)

U.S. Environmental Protection Agency — Data are from 1,000 river and stream sites across the conterminous US where consistent biological, chemical, physical and watershed data were gathered. The sites...

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

OpenAIRE

Thomas F. Cargill

2006-01-01

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

Headwater Stream Management Dichotomies: Local Amphibian Habitat vs. Downstream Fish Habitat

Science.gov (United States)

Jackson, C. R.

2002-12-01

Small headwater streams in mountainous areas of the Pacific Northwest often do not harbor fish populations because of low water depth and high gradients. Rather, these streams provide habitat for dense assemblages of stream-dwelling amphibians. A variety of management goals have been suggested for such streams such as encouraging large woody debris recruitment to assist in sediment trapping and valley floor formation, encouraging large woody debris recruitment to provide downstream wood when debris flows occur, providing continuous linear stream buffers within forest harvest areas to provide shade and bank stability, etc. A basic problem with analying the geomorphic or biotic benefits of any of these strategies is the lack of explicit management goals for such streams. Should managers strive to optimize downstream fish habitat, local amphibian habitat, or both? Through observational data and theoretical considerations, it will be shown that these biotic goals will lead to very different geomorphic management recommendations. For instance, woody debris greater than 60 cm diameter may assist in valley floor development, but it is likely to create subsurface channel flow of unknown value to amphibians. Trapping and retention of fine sediments within headwater streams may improve downstream spawning gravels, but degrades stream-dwelling amphibian habitat. In response to the need for descriptive information on habitat and channel morphology specific to small, non-fish-bearing streams in the Pacific Northwest, morphologies and wood frequencies in forty-two first- and second-order forested streams less than four meters wide were surveyed. Frequencies and size distributions of woody debris were compared between small streams and larger fish-bearing streams as well as between second-growth and virgin timber streams. Statistical models were developed to explore dominant factors affecting channel morphology and habitat. Findings suggest geomorphological relationships

An Asset Protection Scheme for Banks Exposed to Troubled Loan Portfolios: Application to the Danish Agricultural Sector

DEFF Research Database (Denmark)

Grosen, Anders; Jessen, Pernille; Kokholm, Thomas

while retaining an appropriate structure of incentives. Within the structural credit risk modeling framework we apply two alternative structural multivariate default risk models, the classical Gaussian Black-Scholes-Merton model and a model based on Normal Inverse Gaussian (NIG) processes, e.g. Barndorf...... as the underlying in the valuation of the corresponding APS in order to demonstrate the applicability of the APS as a regulatory tool. The contribution to the financial literature on credit risk is the empirical analysis of agricultural loans using our unique data set. The contribution to the banking literature......An Asset Protection Scheme (APS) is a portfolio insurance contract; a credit derivative used as a tool to restore financial stability and reestablish economic confidence. Opposed to most governmental bailout packages implemented all over the world recently, the APS can be a fair market contract...

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.

Investigating spatial variability of vertical water fluxes through the streambed in distinctive stream morphologies using temperature and head data

Science.gov (United States)

Wang, Liping; Jiang, Weiwei; Song, Jinxi; Dou, Xinyi; Guo, Hongtao; Xu, Shaofeng; Zhang, Guotao; Wen, Ming; Long, Yongqing; Li, Qi

2017-08-01

Investigating the interaction of groundwater and surface water is key to understanding the hyporheic processes. The vertical water fluxes through a streambed were determined using Darcian flux calculations and vertical sediment temperature profiles to assess the pattern and magnitude of groundwater/surface-water interaction in Beiluo River, China. Field measurements were taken in January 2015 at three different stream morphologies including a meander bend, an anabranching channel and a straight stream channel. Despite the differences of flux direction and magnitude, flux directions based on vertical temperature profiles are in good agreement with results from Darcian flux calculations at the anabranching channel, and the Kruskal-Wallis tests show no significant differences between the estimated upward fluxes based on the two methods at each site. Also, the upward fluxes based on the two methods show similar spatial distributions on the streambed, indicating (1) that higher water fluxes at the meander bend occur from the center of the channel towards the erosional bank, (2) that water fluxes at the anabranching channel are higher near the erosional bank and in the center of the channel, and (3) that in the straight channel, higher water fluxes appear from the center of the channel towards the depositional bank. It is noted that higher fluxes generally occur at certain locations with higher streambed vertical hydraulic conductivity ( K v) or where a higher vertical hydraulic gradient is observed. Moreover, differences of grain size, induced by stream morphology and contrasting erosional and depositional conditions, have significant effects on streambed K v and water fluxes.

After the year 2000: Critical infrastructure protection

International Nuclear Information System (INIS)

Dreicer, M.

1999-01-01

Presentation defines the critical infrastructure which includes: telecommunication, banking, transportation, electric energy, oil and gas supply, water supply, emergency services and government operations. The problem of protecting the critical infrastructure is is exposed in detail concerning physical protection and protection of information systems against cyberthreats

The Economic Security of Bank: Theoretical Basis and Systemic Approach

Directory of Open Access Journals (Sweden)

Gavlovska Nataliia I.

2017-07-01

Full Text Available The article analyzes the existing approaches to interpreting the category of «economic security of bank». A author’s own definition of the concept of «economic security of bank» has been proposed, which should be understood as condition of protecting the vital interests of bank, achieved by harmonizing relationships with the entities of external influence and optimizing the internal system processes, thus enabling efficient function as well as development by means of an adaptation mechanism. A number of approaches to understanding the substance of the above concept has been allocated and their main characteristics have been provided. The need to study the specifics of interaction of banking institutions with the external environment in the context of interaction between the State agents and market actors has been underlined. Features of formation of the term of «system» have been defined, three main groups of approaches to interpretation of the term have been provided. A author’s own definition of the concept of «economic security system of bank» has been proposed. A concrete definition of principles for building an economic security system of bank has been provided.

75 FR 81484 - Approval and Promulgation of Implementation Plans; Texas; Emissions Banking and Trading of...

Science.gov (United States)

2010-12-28

... ENVIRONMENTAL PROTECTION AGENCY 40 CFR Part 52 [EPA-R06-OAR-2005-TX-0012; FRL-9243-1] Approval and Promulgation of Implementation Plans; Texas; Emissions Banking and Trading of Allowances Program AGENCY... State Implementation Plan (SIP) that create and amend the Emissions Banking and Trading of Allowances...

Integrated risk management in a commercial market-maker bank using the 'cash flow at risk' approach

OpenAIRE

Voloshyn, Ihor; Voloshyn, Mykyta

2013-01-01

In this article, on the basis of the "cash flow at risk" approach, the system of the integrated (credit, market, operational and liquidity risks) risk management in a market-maker commercial bank is developed. This system guarantees reaching profitability, liquidity and coverage of banking risks and thus allows the fullest protection of the interests of depositors, creditors and shareholders of the bank providing its sustainable development.

76 FR 59396 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2011-09-26

... control of Bank of Odessa, both in Odessa, Missouri, Commercial Bank of Oak Grove, Oak Grove, Missouri... 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...

Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

Directory of Open Access Journals (Sweden)

Ir Ascarya

2008-08-01

Full Text Available Islamic banks in many countries have emerged as important component of financial system that contributes to the growth and development of the country’s economy. They have proven to be a viable and competitive component of the overall financial system. In the dual banking system, Islamic banks have to be competitive to survive. One of the key to competitiveness is efficiency. This study will measure and compare the efficiency of Islamic and conventional banks in Indonesia using Data Envelopment Analysis (DEA methodology. DEA is a non-parametric, deterministic methodology for determining the relative efficiency and managerial performance, based on the empirical data on chosen inputs and outputs of a number of decision making units. DEA allows us to compare the relative efficiency of banks by determining the efficient banks as benchmarks and by measuring the inefficiencies in input combinations (slack variables in other banks relative to the benchmark. Intermediation approach will be applied. This study will identify the sources and level of inefficiency for each of the inputs and outputs of Islamic banks and conventional banks in Indonesia. The result shows that in overall, Islamic banking is relatively more efficient than conventional banking. This means that Islamic banks are competitive enough to compete with conventional banks. Islamic banking is technically more efficient, but less scale efficient than conventional banking. Internal inefficiency is the main source of disintermediation of conventional banking in Indonesia. Furthermore, accelerated expansion, organically and inorganically, is needed to improve scale and overall efficiencies of Islamic banking in Indonesia.Keywords: Banking, Islamic Banking, Efficiency, Data Envelopment Analysis

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

Directory of Open Access Journals (Sweden)

Dwi Umardani

2017-05-01

Full Text Available ABSTRACT This study aims to compare the financial performance of Islamic banks with conventional banks in Indonesia using financial ratios: CAR, NPL / NPF, ROA, ROE, LDR / FDR, REO / BOPO. The data used are the financial statements published by Bank Indonesia (BI, the annual reports released by banking companies listed in Indonesia Stock Exchange (IDX, the annual reports issued by companies of Islamic banking that are not listed in Indonesia Stock Exchange (IDX, and the Indonesian banking supervision reports contained in Bank Indonesia (BI for the years 2005-2012. The analytical method used to compare the financial performance of Islamic banks with conventional banks is statistical test independent t-test. The fact shows that for each financial ratio of Islamic banks and conventional banks in Indonesia: CAR, ROA, ROE, LDR / FDR, and BOPO there are significant differences, while NPL / NPF there is not significant difference. Keywords: Financial performance, Islamic banks, conventional banks

Target loads of atmospheric sulfur deposition for the protection and recovery of acid-sensitive streams in the Southern Blue Ridge Province.

Science.gov (United States)

Sullivan, Timothy J; Cosby, Bernard J; Jackson, William A

2011-11-01

An important tool in the evaluation of acidification damage to aquatic and terrestrial ecosystems is the critical load (CL), which represents the steady-state level of acidic deposition below which ecological damage would not be expected to occur, according to current scientific understanding. A deposition load intended to be protective of a specified resource condition at a particular point in time is generally called a target load (TL). The CL or TL for protection of aquatic biota is generally based on maintaining surface water acid neutralizing capacity (ANC) at an acceptable level. This study included calibration and application of the watershed model MAGIC (Model of Acidification of Groundwater in Catchments) to estimate the target sulfur (S) deposition load for the protection of aquatic resources at several future points in time in 66 generally acid-sensitive watersheds in the southern Blue Ridge province of North Carolina and two adjoining states. Potential future change in nitrogen leaching is not considered. Estimated TLs for S deposition ranged from zero (ecological objective not attainable by the specified point in time) to values many times greater than current S deposition depending on the selected site, ANC endpoint, and evaluation year. For some sites, one or more of the selected target ANC critical levels (0, 20, 50, 100μeq/L) could not be achieved by the year 2100 even if S deposition was reduced to zero and maintained at that level throughout the simulation. Many of these highly sensitive streams were simulated by the model to have had preindustrial ANC below some of these target values. For other sites, the watershed soils contained sufficiently large buffering capacity that even very high sustained levels of atmospheric S deposition would not reduce stream ANC below common damage thresholds. Copyright © 2011 Elsevier Ltd. All rights reserved.

75 FR 31788 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-06-04

... voting shares of Chino Commercial Bank, N.A., both of Chino, California. Board of Governors of the... 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 Act (12 U.S.C...

Red River Stream Improvement Final Design Nez Perce National Forest.

Energy Technology Data Exchange (ETDEWEB)

Watershed Consulting, LLC

2007-03-15

This report details the final stream improvement design along the reach of Red River between the bridge below Dawson Creek, upstream for approximately 2 miles, Idaho County, Idaho. Geomorphic mapping, hydrologic profiles and cross-sections were presented along with existing fish habitat maps in the conceptual design report. This information is used to develop a stream improvement design intended to improve aquatic habitat and restore riparian health in the reach. The area was placer mined using large bucket dredges between 1938 and 1957. This activity removed most of the riparian vegetation in the stream corridor and obliterated the channel bed and banks. The reach was also cut-off from most valley margin tributaries. In the 50 years since large-scale dredging ceased, the channel has been re-established and parts of the riparian zone have grown in. However, the recruitment of large woody debris to the stream has been extremely low and overhead cover is poor. Pool habitat makes up more than 37% of the reach, and habitat diversity is much better than the project reach on Crooked River. There is little large woody debris in the stream to provide cover for spawning and juvenile rearing, because the majority of the woody debris does not span a significant part of the channel, but is mainly on the side slopes of the stream. Most of the riparian zone has very little soil or subsoil left after the mining and so now consists primarily of unconsolidated cobble tailings or heavily compacted gravel tailings. Knapweed and lodgepole pine are the most successful colonizers of these post mining landforms. Tributary fans which add complexity to many other streams in the region, have been isolated from the main reach due to placer mining and road building.

Streams with Strahler Stream Order

Data.gov (United States)

Minnesota Department of Natural Resources — Stream segments with Strahler stream order values assigned. As of 01/08/08 the linework is from the DNR24K stream coverages and will not match the updated...

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...

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

... 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 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank...

Plant gene bank and vegetable varieties biodiversity in Smederevska Palanka

Directory of Open Access Journals (Sweden)

Pavlović Nenad

2011-01-01

Full Text Available Biodiversity protection and preservation of genetic variability is based on the fact that plant varieties are irreplaceable in production process and that they are more and more jeopardized by urban and industrial development. The most common way of preserving and at the same time the safest way is a storage in a gene bank. Prior to storage comes collecting, studying and replanting for Institute Gene Bank, Central State Gene Bank and for Regional Gene Banks. Institute for Vegetable Crops in Smederevska Palanka preserves a wide variety of vegetable germplasm. This is, so called, work collection, used as a gene resource for breeding purposes. Seed samples are stored at 4±2°C and 50% relative humidity. At the moment, the collection has 2265 samples. Almost all samples have the passport data, but only 10% of samples have been further characterized and evaluated.

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

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-Farm Credit Banks..., provided such loans are authorized by the policies of the bank and/or association involved, do not constitute a significant shift in loan volume away from the bank or association's assigned territory, and are...

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.

BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

Directory of Open Access Journals (Sweden)

Dumitru-Cristian OANEA

2014-04-01

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

75 FR 69909 - Approval and Promulgation of Implementation Plans; Texas; Emissions Banking and Trading of...

Science.gov (United States)

2010-11-16

... ENVIRONMENTAL PROTECTION AGENCY 40 CFR Part 52 [EPA-R06-OAR-2005-TX-0012; FRL-9226-3] Approval and Promulgation of Implementation Plans; Texas; Emissions Banking and Trading of Allowances Program AGENCY... four revisions to the Texas State Implementation Plan (SIP) that create and amend the Emissions Banking...

Compensatory stream and wetland mitigation in North Carolina: an evaluation of regulatory success.

Science.gov (United States)

Hill, Tammy; Kulz, Eric; Munoz, Breda; Dorney, John R

2013-05-01

Data from a probability sample were used to estimate wetland and stream mitigation success from 2007 to 2009 across North Carolina (NC). "Success" was defined as whether the mitigation site met regulatory requirements in place at the time of construction. Analytical results were weighted by both component counts and mitigation size. Overall mitigation success (including preservation) was estimated at 74 % (SE = 3 %) for wetlands and 75 % (SE = 4 %) for streams in NC. Compared to the results of previous studies, wetland mitigation success rates had increased since the mid-1990s. Differences between mitigation providers (mitigation banks, NC Ecosystem Enhancement Program's design-bid-build and full-delivery programs, NC Department of Transportation and private permittee-responsible mitigation) were generally not significant although permittee-responsible mitigation yielded higher success rates in certain circumstances. Both wetland and stream preservation showed high rates of success and the stream enhancement success rate was significantly higher than that of stream restoration. Additional statistically significant differences when mitigation size was considered included: (1) the Piedmont yielded a lower stream mitigation success rate than other areas of the state, and (2) recently constructed wetland mitigation projects demonstrated a lower success rate than those built prior to 2002. Opportunities for improvement exist in the areas of regulatory record-keeping, understanding the relationship between post-construction establishment and long-term ecological trajectories of stream and wetland restoration projects, incorporation of numeric ecological metrics into mitigation monitoring and success criteria, and adaptation of stream mitigation designs to achieve greater success in the Piedmont.

Unequal Protection of Video Streaming through Adaptive Modulation with a Trizone Buffer over Bluetooth Enhanced Data Rate

Directory of Open Access Journals (Sweden)

Razavi Rouzbeh

2008-01-01

Full Text Available Abstract Bluetooth enhanced data rate wireless channel can support higher-quality video streams compared to previous versions of Bluetooth. Packet loss when transmitting compressed data has an effect on the delivered video quality that endures over multiple frames. To reduce the impact of radio frequency noise and interference, this paper proposes adaptive modulation based on content type at the video frame level and content importance at the macroblock level. Because the bit rate of protected data is reduced, the paper proposes buffer management to reduce the risk of buffer overflow. A trizone buffer is introduced, with a varying unequal protection policy in each zone. Application of this policy together with adaptive modulation results in up to 4 dB improvement in objective video quality compared to fixed rate scheme for an additive white Gaussian noise channel and around 10 dB for a Gilbert-Elliott channel. The paper also reports a consistent improvement in video quality over a scheme that adapts to channel conditions by varying the data rate without accounting for the video frame packet type or buffer congestion.

Unequal Protection of Video Streaming through Adaptive Modulation with a Trizone Buffer over Bluetooth Enhanced Data Rate

Directory of Open Access Journals (Sweden)

Rouzbeh Razavi

2007-12-01

Full Text Available Bluetooth enhanced data rate wireless channel can support higher-quality video streams compared to previous versions of Bluetooth. Packet loss when transmitting compressed data has an effect on the delivered video quality that endures over multiple frames. To reduce the impact of radio frequency noise and interference, this paper proposes adaptive modulation based on content type at the video frame level and content importance at the macroblock level. Because the bit rate of protected data is reduced, the paper proposes buffer management to reduce the risk of buffer overflow. A trizone buffer is introduced, with a varying unequal protection policy in each zone. Application of this policy together with adaptive modulation results in up to 4 dB improvement in objective video quality compared to fixed rate scheme for an additive white Gaussian noise channel and around 10 dB for a Gilbert-Elliott channel. The paper also reports a consistent improvement in video quality over a scheme that adapts to channel conditions by varying the data rate without accounting for the video frame packet type or buffer congestion.

About Banking.

Science.gov (United States)

Pieslak, Raymond F.

The student manual for high school level special needs students was prepared to provide deaf students with the basic fundamentals of banking. Five units are presented covering the topics of banks and banking services, checking accounts, other services of banks, savings accounts, and other investments. Each lesson was carefully written for easy…

New competitive strategies of foreign banks in large emerging economies: the case of Brazil

Directory of Open Access Journals (Sweden)

Fernando J. Cardim de Carvalho

2000-06-01

Full Text Available Financial relations have been deeply transformed in the 1980s and 1990s by deregulation and liberalization. Among the most affected by these changes has been the banking system. Domestic banks have generally lost the implicit protection given by regulatory barriers to entry. Until very recently, in most of the world, foreign banks had their range of operations limited by both regulatory and market factors in developed and developing countries alike. This has radically changed in the 1990s. Foreign banks previously content to hold marginal positions in domestic emerging markets started to pursue aggressive strategies of expansion. Competition among banks operating domestically is being intensified as a result, particularly in emerging economies large enough to support entry of new banking firms. We examine the case of Brazil, where, following the semi-crisis of 1995, a significant number of banks set up subsidiaries fighting for increasing market shares of the domestic market. The paper shows the ways these banks chose to enter the market and explores the perspectives for the domestic banking sector.

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Georg

2015-01-01

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

Fish complementarity is associated to forests in Amazonian streams

Directory of Open Access Journals (Sweden)

Carolina Rodrigues Bordignon

Full Text Available The functional structure of communities is commonly measured by the variability in functional traits, which may demonstrate complementarity or redundancy patterns. In this study, we tested the influence of environmental variables on the functional structure of fish assemblages in Amazonian streams within a deforestation gradient. We calculated six ecomorphological traits related to habitat use from each fish species, and used them to calculate the net relatedness index (NRI and the nearest taxon index (NTI. The set of species that used the habitat differently (complementary or overdispersed assemblages occurred in sites with a greater proportion of forests. The set of species that used the habitat in a similar way (redundant or clustered assemblages occurred in sites with a greater proportion of grasses in the stream banks. Therefore, the deforestation of entire watersheds, which has occurred in many Amazonian regions, may be a central factor for the functional homogenization of fish fauna.

Bank Insolvency Procedures and Market Discipline in European Banking

DEFF Research Database (Denmark)

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

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......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...

RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

Directory of Open Access Journals (Sweden)

Aji Damanuri

2016-02-01

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

Islamic banks and profitability: an empirical analysis of Indonesian banking

OpenAIRE

Jordan, Sarah

2013-01-01

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

The StreamCat Dataset: Accumulated Attributes for NHDPlusV2 (Version 2.1) Catchments for the Conterminous United States: Road and Stream Intersections

Data.gov (United States)

U.S. Environmental Protection Agency — This dataset represents the density of road and stream crossings within individual, local NHDPlusV2 catchments and upstream, contributing watersheds. Attributes of...

Use of Banking Services in Emerging Markets -Household-Level Evidence (Replaces EBC DP 2010-025)

NARCIS (Netherlands)

Beck, T.H.L.; Brown, M.

2011-01-01

This paper uses survey data for 60,000 households from 29 transition economies in 2006 and 2010 to explore how the use of banking services is related to household characteristics, as well as to bank ownership, deposit insurance and creditor protection. At the household level we find that the holding

78 FR 37541 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-21

..., North Dakota, as trustees/administrators, to retain voting shares of the Commercial Bank of Mott Employee Stock Ownership Plan, and thereby indirectly retain voting shares of Commercial Bank of Mott, both... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank...

Geomorphic stability field reconnaissance site visit, Canonsburg, Pennsylvania, December 1992. Final report

International Nuclear Information System (INIS)

1993-05-01

To license the Canonsburg site, the US Nuclear Regulatory Commission (NRC) has required that geomorphic stability be demonstrated for the stream banks and slopes around the perimeter of the site for 200 years. Based on a study of the stream channel and slopes, it has been determined that due to recent human intervention, the required geomorphic stability cannot now be achieved without installation of erosion protection works and continued monitoring of the site. The Pittsburgh District Corps of Engineers has plans to channelize Chartiers Creek and install erosion protection rock within the next 5 or 6 years, if local government agencies raise the necessary matching funds. Much of the stream bank and slope adjacent to the ''fenced in'' western area of the site is anticipated to remain geomorphically stable for more than 20 years, but less than 200 years without human intervention. Therefore in much of this area, the Corps of Engineers will have adequate time to perform its work without jeopardizing the integrity of the controlled area. In contrast, two approximately 200-foot (ft) (60-meter [m]) long portions of the stream channel located north-northwest of the encapsulation area are subject to active stream erosion that threatens the integrity of the controlled area. These areas should be fixed by installation of erosion protection rock within the next 2 years

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

Does taxation on banks mean taxation on bank-dependent borrowers?

OpenAIRE

Masami Imai; Peter Hull

2012-01-01

We investigate the economic impacts of bank levies on bank-dependent borrowers, exploiting the surprise announcement of a bank tax by the Tokyo metropolitan government on February 7th, 2000. We find that the tax announcement had negative effects on the abnormal return of firms which depended on soon-to-be taxed banks for external funds. Moreover, the adverse economic effects of the bank tax were larger for smaller and more financially distressed firms, suggesting that bank levies are likely t...

Measurements of fuse and resistor characteristics for multi-megajoule capacitor bank application

International Nuclear Information System (INIS)

McDonald, K.F.; Smith, T.; Golden, J.; Conley, B.

1986-01-01

Experimental tests have been conducted on commercially available fuses and resistors under fast high voltage pulsed (10 μsec) conditions to determine their ability to protect capacitor bank components during faults. NRL's Modified Betatron Accelerator uses two multi-megajoule capacitor banks to power the toroidal and betatron magnetic field coils. The expensive high energy density capacitors in these banks must be protected from excessive peak current, voltage reversal, or charging beyond their electrical ratings in the occurrence of a fault. Adequate protection can be obtained with fuses and resistors in series with each parallel connected capacitor. The fuses must open reliably and hold off high voltage D.C. (10 - 20 kV), and the resistors must conduct high current and di/dt without failing from energy deposition or magnetic forces. The performance of the commercial fuses is well documented at low AC frequencies and currents (60 Hz/100 A) but data was not previously available for the fast high current pulsed conditions that prevail under actual fault conditions. A 20 kV 200 kJ, low inductance capacitor bank and ignitron switch were used to conduct the experiments. Peak currents in the fuses were approximately 170 kA at t - 6.5 μs. The final fuse hold-off voltage exceeded 8 kV. Currents in the resistors ranged from - 20 - 40 kA per resistor. The experimental results have been compared to the manufacturers data from minimum melt and maximum let-through and to exploding bridge wire computer models

Variable responses of fish assemblages, habitat, and stability to natural-channel-design restoration in Catskill Mountain streams

Science.gov (United States)

Baldigo, Barry P.; Ernst, Anne G.; Warren, Dana R.; Miller, Sarah J.

2010-01-01

Natural-channel-design (NCD) restorations were recently implemented within large segments of five first- and second-order streams in the Catskill Mountains of New York in an attempt to increase channel stability, reduce bed and bank erosion, and sustain water quality. In conjunction with these efforts, 54 fish and habitat surveys were done from 1999 to 2007 at six restored reaches and five stable control reaches to evaluate the effects of NCD restoration on fish assemblages, habitat, and bank stability. A before–after–control–impact study design and two-factor analysis of variance were used to quantify the net changes in habitat and fish population and community indices at treatment reaches relative to those at unaltered control reaches. The density and biomass of fish communities were often dominated by one or two small prey species and no or few predator species before restoration and by one or more trout (Salmonidae) species after restoration. Significant increases in community richness (30%), diversity (40%), species or biomass equitability (32%), and total biomass (up to 52%) in at least four of the six restored reaches demonstrate that NCD restorations can improve the health and sustainability of fish communities in geomorphically unstable Catskill Mountain streams over the short to marginally long term. Bank stability, stream habitat, and trout habitat suitability indices (HSIs) generally improved significantly at the restored reaches, but key habitat features and trout HSIs did not change or decreased at two of them. Fish communities and trout populations at these two reaches were not positively affected by NCD restorations. Though NCD restorations often had a positive effect on habitat and fish communities, our results show that the initial habitat conditions limit the relative improvements than can be achieved, habitat quality and stability do not necessarily respond in unison, and biotic and abiotic responses cannot always be generalized.

Assessment of attenuation processes in a chlorinated ethene plume by use of stream bed Passive Flux Meters, streambed Point Velocity Probes and contaminant mass balances

DEFF Research Database (Denmark)

Rønde, Vinni Kampman; McKnight, Ursula S.; Annable, Michael

, however studies contradicting this have also been reported. Since dilution commonly reduces contaminant concentrations in streams to below quantification limits, use of mass balances along the pathway from groundwater to stream is unusual. Our study is conducted at the low-land Grindsted stream, Denmark......Chlorinated ethenes (CE) are abundant groundwater contaminants and pose risk to both groundwater and surface water bodies, as plumes can migrate through aquifers to streams. After release to the environment, CE may undergo attenuation. The hyporheic zone is believed to enhance CE attenuation......, which is impacted by a contaminant plume. CE have been observed in the stream water; hence our study site provides an unusual opportunity to study attenuation processes in a CE plume as it migrates through the groundwater at the stream bank, through the stream bed and further to the point of fully mixed...

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.

Encrypted data stream identification using randomness sparse representation and fuzzy Gaussian mixture model

Science.gov (United States)

Zhang, Hong; Hou, Rui; Yi, Lei; Meng, Juan; Pan, Zhisong; Zhou, Yuhuan

2016-07-01

The accurate identification of encrypted data stream helps to regulate illegal data, detect network attacks and protect users' information. In this paper, a novel encrypted data stream identification algorithm is introduced. The proposed method is based on randomness characteristics of encrypted data stream. We use a l1-norm regularized logistic regression to improve sparse representation of randomness features and Fuzzy Gaussian Mixture Model (FGMM) to improve identification accuracy. Experimental results demonstrate that the method can be adopted as an effective technique for encrypted data stream identification.

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

... Bancshares, Inc., and thereby acquire control of First Commercial Bank, both of Edmond, Oklahoma. Board of... 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...

77 FR 60996 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-10-05

... shares of Anchor Commercial Bank, Juno Beach, Florida. Board of Governors of the Federal Reserve System... 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...

The effect of lateral banking on the kinematics and kinetics of the lower extremity during lateral cutting movements.

Science.gov (United States)

Wannop, John W; Graf, Eveline S; Stefanyshyn, Darren J

2014-02-01

There are many aspects of cutting movements that can limit performance, however, the implementation of lateral banking may reduce some of these limitations. Banking could provide a protective mechanism, placing the foot and ankle in orientations that keep them out of dangerous positions. This study sought to determine the effect of two banking angles on the kinematics and kinetics of the lower extremity during two athletic maneuvers. Kinematic and kinetic data were collected on 10 recreational athletes performing v-cuts and side shuffle movements on different banked surfaces (0°, 10°, 20°). Each sample surface was rigidly attached to the force platform. Joint moments were calculated and compared between conditions using a repeated measures ANOVA. Banking had a pronounced effect on the ankle joint. As banking increased, the amount of joint loading in the transverse and frontal planes decreased likely leading to a reduction in injury risk. Also an increase in knee joint loading in the frontal plane was seen during the 20° bank during the v-cut. Conversely loading in the sagittal plane at the ankle joint increased with banking and coupled with a reorientation of the ground reaction vector may facilitate a performance increase. The current study indicates that the 10° bank may be the optimal bank, in that it decreases ankle joint loading, as well as increases specific performance variables while not increasing frontal plane knee joint loading. If banking could be incorporated in footwear it may be able to provide a protective mechanism for athletes. Copyright © 2013 Elsevier B.V. All rights reserved.

Stream Intermittency Sensors Monitor the Onset and Duration of Stream Flow Along a Channel Network During Storms

Science.gov (United States)

Jensen, C.; McGuire, K. J.

2017-12-01

Headwater streams are spatially extensive, accounting for a majority of global stream length, and supply downstream water bodies with water, sediment, organic matter, and pollutants. Much of this transmission occurs episodically during storms when stream flow and connectivity are high. Many headwaters are temporary streams that expand and contract in length in response to storms and seasonality. Understanding where and when streams carry flow is critical for conserving headwaters and protecting downstream water quality, but storm events are difficult to study in small catchments. The rise and fall of stream flow occurs rapidly in headwaters, making observation of the entire stream network difficult. Stream intermittency sensors that detect the presence or absence of water can reveal wetting and drying patterns over short time scales. We installed 50 intermittency sensors along the channel network of a small catchment (35 ha) in the Valley and Ridge of southwest Virginia. Previous work shows stream length is highly variable in this shale catchment, as the drainage density spans two orders of magnitude. The sensors record data every 15 minutes for one year to capture different seasons, antecedent moisture conditions, and precipitation rates. We seek to determine whether hysteresis between stream flow and network length occurs on the rising and falling limbs of events and if reach-scale characteristics such as valley width explain spatial patterns of flow duration. Our results indicate reaches with a wide, sediment-filled valley floor carry water for shorter periods of time than confined channel segments with steep valley side slopes. During earlier field mapping surveys, we only observed flow in a few of the tributaries for the wettest conditions mapped. The sensors now show that these tributaries flow more frequently during much smaller storms, but only for brief periods of time (hour). The high temporal sampling resolution of the sensors permits a more realistic

The Role of Riparian Vegetation in Protecting and Improving Chemical Water Quality in Streams

Science.gov (United States)

Michael G. Dosskey; Philippe Vidon; Noel P. Gurwick; Craig J. Allan; Tim P. Duval; Richard Lowrance

2010-01-01

We review the research literature and summarize the major processes by which riparian vegetation influences chemical water quality in streams, as well as how these processes vary among vegetation types, and discuss how these processes respond to removal and restoration of riparian vegetation and thereby determine the timing and level of response in stream water quality...

Strategies Adopted by Romanian Banks to Reduce the Payment Incidents

Directory of Open Access Journals (Sweden)

Oana BĂRBULESCU SEITAN

2013-03-01

Full Text Available In the past few years, the lack of the market liquidity generated some difficulties in the process of recovering the claims from the partners. This has determined the banks to find solutions with which to protect their clients against the financial imbalances of their partners, imbalances that otherwise would directly affect their own business. However, the permanent changes of the banking regulations led to a continuous diversification of the relations between the bank and its customers. In this context, during January-February 2013, it was drawn up a qualitative marketing research, its main objective consisting in identifying and analyzing the main measures taken by banks to reduce the number and the value of payment incidents generated by the use of debt instruments. The study also considered the outline of potential measures that can be taken for adapting the regulations in the field to the needs of the Romanian business environment.

A Case Study on E - Banking Security – When Security Becomes Too Sophisticated for the User to Access Their Information

OpenAIRE

Aaron M. French

2012-01-01

While eBanking security continues to increase in sophistication to protect against threats, the usability of the eBanking decreases resulting in poor security behaviors by the users. The current research evaluates se curity risks and measures taken for eBanking solutions. A case study is presented describing how increased complexity decreases vulnerabilities online but increases vulnerabilities from internal threats and eBanking users

First post-fire flush in a Mediterranean temporary stream: source ascription in bed sediments

Science.gov (United States)

Estrany Bertos, Joan; García-Comendador, Julián; Fortesa, Josep; Calsamiglia, Aleix; Garcias, Francesca

2017-04-01

First flushes can be of great importance for suspended-sediment transport in fluvial systems of drylands, being temporary streams a characteristic feature of Mediterranean basins. After a wildfire, storm flows may enhance runoff delivery to channels and then increasing the first-flush effect. 137Cs and 210Pbex were used as tracers for recognizing the first post-fire flush effect in the source ascription of bed sediments temporarily stored in a Mediterranean temporary stream severely affected by a wildfire. Thirty potential sediment source samples were collected along the main stem of a catchment located in Mallorca (Spain) during a field campaign developed some weeks after the wildfire. The sample collection was designed considering the wildfire affection, and also distinguishing between soil surface and channel bank. To quantify the relative source contribution to the bed sediment temporarily stored, five sediment samples -deposited during the first storm occurred three months after the wildfire- were collected into the bed stream of the main channel. The 137Cs and 210Pbex concentrations were measured by gamma spectrometry. Then, a linear mixing model was used to establish the relative contribution of each source type to the bed sediments discerning between the most upstream and the downstream parts of the catchment. Post-fire first-flush effect was generated by a torrential event with a suspended-sediment concentration peak ca. 33,618 mg L-1, although transmission losses under a very low runoff coefficient (1%) promoted sediment deposition. Significant differences were observed in fallout radionuclide concentrations between burned surface soil and channel bank samples (p 0.05). Source ascription in bed sediments in the middle stream shows that 67% was generated in burned hillslopes, reaching 75% in the downstream part because downstream propagation of the sediment derived from the burned area. Bed sediments were mostly generated in burned hillslopes because of

A model to authenticate requests for online banking transactions

Directory of Open Access Journals (Sweden)

Saad M. Darwish

2012-09-01

Full Text Available As the number of clients using online banking increases, online banking systems are becoming more desirable targets for attacks. To maintain the clients trust and confidence in the security of their online banking services; financial institutions must identify how attackers compromise accounts and develop methods to protect them. Towards this purpose, this paper presents a modified model to authenticate clients for online banking transactions through utilizing Identity-Based mediated RSA(IB-mRSA technique in conjunction with the one-time ID concept for the purpose of increasing security, avoiding swallow’s sorties and preventing reply attacks. The introduced system exploits a method for splitting private keys between the client and the Certification Authority (CA server. Neither the client nor the CA can cheat one another since one-time ID can be used only once and each signature must involve both parties. The resulting model seems to be practical from both computational as well as storage point of view. The experimental results show the effectiveness of the proposed model.

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

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

78 FR 61352 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-10-03

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

78 FR 25084 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-04-29

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

77 FR 2293 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-01-17

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

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

... 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...

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...

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

... 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...

77 FR 63314 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-10-16

... 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...

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

... 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...

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

... 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...

78 FR 49753 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-08-15

... 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...

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

... 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...

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

... 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 [[Page...

77 FR 39244 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-07-02

... 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...

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

... 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...

Cross-Border Banking

OpenAIRE

Jonathan Eaton

1994-01-01

The banking systems of some countries export intermediation services to the rest of the world, while many other countries are net exporters of deposits to banks abroad and net importers of loans from banks abroad. Banking center countries typically have lower inflation, deeper financial systems, earn less government revenue from seigniorage, and have lower reserve money relative to bank assets than nonbanking-center countries. This paper develops a stylized model of regulated bank intermediat...

BAGI HASIL DAN BANK SYARI’AH (Solusi terhadap Bunga Bank

Directory of Open Access Journals (Sweden)

Rudy Haryanto Rudy Haryanto

2012-07-01

Full Text Available Abstract: To save money in terms of investation is one of bank’s functions. Interest and production sharing are kinds of investation in banking system. Interest is a marketable entry in conventional banking, however production sharing is known in syari’ah banking system. Some people argue that interest cannot be seperated from the banking activity, in fact Islam recommends the followers to avoid it; hence it could be substituted with term of production sharing. It matches the priciple of musyarakah and mudharabah as being taught by Rasûlullâh SAW. Bank interest is considered ribâ (excessive interest and it is forbidden in Islam. Moreover, production sharing is more useful and beneficial for people. Unfortunately, the value of production sharing (syarî’ah banking product is lower than the value of banking interest (conventional banking product due to the fact that the ralationship established by syari’ah banking and its customer is based on the principle of gotong royong (mutual coorporation and production sharing partnership. Key Words: ribâ, musyarakah, mudharabah, dan bagi-hasil  

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....

The security concern on internet banking adoption among Malaysian banking customers.

Science.gov (United States)

Sudha, Raju; Thiagarajan, A S; Seetharaman, A

2007-01-01

The existing literatures highlights that the security is the primary factor which determines the adoption of Internet banking technology. The secondary information on Internet banking development in Malaysia shows a very slow growth rate. Hence, this study aims to study the banking customers perception towards security concern and Internet banking adoption through the information collected from 150 sample respondents. The data analysis reveals that the customers have much concern about security and privacy issue in adoption of Internet banking, whether the customers are adopted Internet banking or not. Hence, it infers that to popularize Internet banking system there is a need for improvement in security and privacy issue among the banking customers.

The effects of shadow banking on the traditional banking system in Zimbabwe

Directory of Open Access Journals (Sweden)

Virimai Mugobo

2015-11-01

Full Text Available The growth of shadow banks changed the face of banking in Zimbabwe. Their inconsistent product nature and complexity of form has been a cause for concern to regulatory authorities. The interrelationship between their financial intermediary role and that of formal banks has made them good substitutes to formal banking. This study conducts a statistical analysis of the country’s monetary aggregates and the total formal bank loan-to-deposits balances. The findings of this analysis show that the shadow banking system has always been a critical element of the formal banking sector which resulted from market needs and it completes the banking system. The shadow banking system does not pose direct threat to the formal banking system but it was a result of failure to attract savers who found shadow banks as a good alternative.

Deposit Insurance Coverage, Credibility of Non-insurance, and Banking Crises

DEFF Research Database (Denmark)

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

level require analyses of institutional factors affecting the credibility of non-insurance. In particular, the implementation of effective distress resolution procedures for banks would allow governments to reduce explicit deposit insurance coverage and, thereby, to strengthen market discipline......The ambiguity in existing empirical work with respect to effects of deposit insurance schemes on banks' risk-taking can be resolved if it is recognized that absence of deposit insurance is rarely credible and that the credibility of non-insurance can be enhanced by explicit deposit insurance...... schemes. We show that under reasonable conditions for effects on risk-taking of creditor protection in banking, and for effects on credibility of non-insurance of explicit coverage of deposit insurance schemes, there exists a partial level of coverage that maximizes market discipline and minimizes moral...

Use of Banking Services in Emerging Markets -Household-Level Evidence (Replaces CentER DP 2010-092)

NARCIS (Netherlands)

Beck, T.H.L.; Brown, M.

2011-01-01

This paper uses survey data for 60,000 households from 29 transition economies in 2006 and 2010 to explore how the use of banking services is related to household characteristics, as well as to bank ownership, deposit insurance and creditor protection. At the household level we find that the holding

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.

Bank Insolvency Procedures and Market Discipline in European Banking

OpenAIRE

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

Market discipline in banking requires that explicit and implicit insurance schemes for financial sector firms are limited, and that the lack of insurance of important stakeholders is credible. This credibility cannot be achieved without transparent, predictable procedures for distress resolution for banks, including explicit rules for the liquidation of insolvent banks. We find that very few European countries have explicit procedures for dealing with problem banks. The propositions tested in...

Abundance of western red-backed salamanders (Plethodon vehiculum) in the Washington Coast Range after headwater stream-buffer manipulation

Science.gov (United States)

Randall J. Wilk; Jeffrey D. Ricklefs; Martin G. Raphael

2014-01-01

We evaluated the effect of forest riparian alternative tree buffer designs on Western Red-backed Salamanders (Plethodon vehiculum) along headwater stream banks in managed forests of the Washington Coast Range. We used pit trap live removals in early autumn to estimate relative abundances of surface-active salamanders before and after 3 levels of riparian buffer...

A low-power asynchronous data-path for a FIR filter bank

DEFF Research Database (Denmark)

Nielsen, Lars Skovby; Sparsø, Jens

1996-01-01

This paper describes a number of design issues relating to the implementation of low-power asynchronous signal processing circuits. Specifically, the paper addresses the design of a dedicated processor structure that implements an audio FIR filter bank which is part of an industrial application....... The algorithm requires a fixed number of steps and the moderate speed requirement allows a sequential implementation. The latter, in combination with a huge predominance of numerically small data values in the input data stream, is the key to a low-power asynchronous implementation. Power is minimized in two...

Enhancing trust online A cross Bsectional study on users judgments of online bank websites in Germany

OpenAIRE

Martin, Gabi; Jonasson, Joakim

2014-01-01

Background: One the latest developments in the banking sector are online banks, which provide their services only online while physical offices are not available. Market research conducted in Germany, have shown that Germans are hesitating to adopt to the digital offered banking services. The major barrier for adoption is due to trust issues, which are rooted in perceived security and privacy protections. Earlier literature has found that other website interaction factors are also playing a r...

ASSESING THE DETERMINANTS OF BANK LIQUIDITY. CASE STUDY ROMANIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

Florin Alexandru LUCA

2016-06-01

Full Text Available The financial crisis has highlighted the importance of liquidity risk for the banking system. Therefore, this study focuses on identifing the determinants of liquidity of Romanian banks. The data cover the period from 2006 to 2013 and take into account only bank-specific factors. The empirical study was applied on 16 Romanian banks and based on previous studies and uses different liquidity ratios, encompassing different points of view on liquidity. Regarding the explanatory variables considered in this analysis, they include various items of internal character concerning: capital adequacy, asset quality, profitability, efficiency of financial intermediation and the size of the banks. The results of our regression analysis indicate that bank liquidity is positively related to capital adequacy of banks and bank profitability and negatively related to the rate of non-performing loans, net interest margin and the size of the bank.