Online Dual Credits: Measuring the Relationship between Grades Earned in Rural High School Dual Credit Courses and Grades Earned in Post High School College Credit

ERIC Educational Resources Information Center

Childs, Joe L.

2017-01-01

The extensive body of research into the relationship between online dual credit coursework and the academic success in subsequent coursework for South Dakota students is not well known. South Dakota students are flocking toward the online dual credit option for a number of reasons--reduction in tuition, expedient degree attainment, and to…

Graded nanowell arrays: a fine plasmonic "library" with an adjustable spectral range.

PubMed

Xue, Peihong; Ye, Shunsheng; Su, Hongyang; Wang, Shuli; Nan, Jingjie; Chen, Xingchi; Ruan, Weidong; Zhang, Junhu; Cui, Zhanchen; Yang, Bai

2017-05-25

We present an effective approach for fabricating graded plasmonic arrays based on ordered micro-/nanostructures with a geometric gradient. Ag nanowell arrays with graded geometric parameters were fabricated and systematically investigated. The order of the graded plasmonic arrays is generated by colloidal lithography, while the geometric gradient is the result of inclined reactive ion etching. The surface plasmon resonance (SPR) peaks were measured at different positions, which move gradually along the Ag nanowell arrays with a geometric gradient. Such micro-/nanostructure arrays with graded and integrated SPR peaks can work as a fine plasmonic "library" (FPL), and the spectral range can be controlled using a "coarse adjustment knob" (lattice constant) and a "fine adjustment knob" (pore diameter). Additionally, the spectral resolution of the FPL is high, which benefits from the high value of the full height/full width at half-maximum and the small step size of the wavelength shift (0.5 nm). Meanwhile, the FPL could be effectively applied as a well-defined model to verify the plasmonic enhancement in surface enhanced Raman scattering. As the FPL is an integrated optical material with graded individual SPR peaks, it can not only be a theoretical model for fundamental research, but also has great potential in high-throughput screening of optical materials, multiplex sensors, etc.

What's in a Grade? A Professor's Guide to Adjusting Scores on Student Assessments

ERIC Educational Resources Information Center

Kuhlthau, Kaitlin; Ruscio, John; Luce, Christine; Furey, Matthew

2017-01-01

Grades serve many important purposes, and educators agree it is important to assign them accurately and fairly. Interviews with 100 professors across a broad range of academic disciplines at a mid-sized state college revealed little consensus on whether, when, or how to adjust scores when assigning grades. Their responses informed a review of…

Grading the probabilities of credit default risk for Malaysian listed companies by using the KMV-Merton model

NASA Astrophysics Data System (ADS)

Anuwar, Muhammad Hafidz; Jaffar, Maheran Mohd

2017-08-01

This paper provides an overview for the assessment of credit risk specific to the banks. In finance, risk is a term to reflect the potential of financial loss. The risk of default on loan may increase when a company does not make a payment on that loan when the time comes. Hence, this framework analyses the KMV-Merton model to estimate the probabilities of default for Malaysian listed companies. In this way, banks can verify the ability of companies to meet their loan commitments in order to overcome bad investments and financial losses. This model has been applied to all Malaysian listed companies in Bursa Malaysia for estimating the credit default probabilities of companies and compare with the rating given by the rating agency, which is RAM Holdings Berhad to conform to reality. Then, the significance of this study is a credit risk grade is proposed by using the KMV-Merton model for the Malaysian listed companies.

Early Adjustment, Gender Differences, and Classroom Organizational Climate in First Grade

ERIC Educational Resources Information Center

Ponitz, Claire Cameron; Rimm-Kaufman, Sara E.; Brock, Laura L.

2009-01-01

We examined gender differences in the first-grade transition, exploring child and classroom contributions to self-control and achievement in a rural sample. Teachers (n = 36) reported on children's (n = 172) initial adjustment difficulty and end-of-year self-control. Observed classroom organization and teacher-reported classroom chaos measured…

5 CFR 300.605 - Creditable service.

Code of Federal Regulations, 2011 CFR

2011-01-01

... effect when the non-GS service was performed. The equivalent GS grade is the GS grade with a... higher grade (or equivalent) in positions to which appointed in the Federal civilian service is... General Schedule (GS) is credited at the equivalent GS grade by comparing the candidate's rate of basic...

5 CFR 300.605 - Creditable service.

Code of Federal Regulations, 2013 CFR

2013-01-01

... effect when the non-GS service was performed. The equivalent GS grade is the GS grade with a... higher grade (or equivalent) in positions to which appointed in the Federal civilian service is... General Schedule (GS) is credited at the equivalent GS grade by comparing the candidate's rate of basic...

5 CFR 300.605 - Creditable service.

Code of Federal Regulations, 2010 CFR

2010-01-01

... effect when the non-GS service was performed. The equivalent GS grade is the GS grade with a... higher grade (or equivalent) in positions to which appointed in the Federal civilian service is... General Schedule (GS) is credited at the equivalent GS grade by comparing the candidate's rate of basic...

5 CFR 300.605 - Creditable service.

Code of Federal Regulations, 2012 CFR

2012-01-01

... effect when the non-GS service was performed. The equivalent GS grade is the GS grade with a... higher grade (or equivalent) in positions to which appointed in the Federal civilian service is... General Schedule (GS) is credited at the equivalent GS grade by comparing the candidate's rate of basic...

Positive Teacher Affect and Maternal Support Facilitate Adjustment after the Transition to First Grade

ERIC Educational Resources Information Center

Kiuru, Noona; Laursen, Brett; Aunola, Kaisa; Zhang, Xia; Lerkkanen, Marja-Kristiina

2016-01-01

This longitudinal study, conducted among a sample of Finnish primary-school children, examined the proposition that a single high-quality relationship (either with a teacher or a parent) can buffer against adjustment problems. Teachers rated the externalizing problems and prosocial behaviors of 378 children in Grade 1 and again in Grade 2.…

Risk and Protective Factors for Psychological Adjustment and Grades among Adolescents.

ERIC Educational Resources Information Center

Voydanoff, Patricia; Donnelly, Brenda W.

1999-01-01

Examines the ways in which two risk factors: negative peer behavior and time spent without an adult, and two protective factors: adolescent resources and parental behavior influence psychological adjustment and grades among adolescents ages 10 to 17 (N=745). Results indicate that negative peer behavior is inversely related to adolescent well…

Using Digital Storytelling to Help First-Grade Students' Adjustment to School

ERIC Educational Resources Information Center

Fokides, Emmanuel

2016-01-01

When coming to school for the first time, children might face a number of adjustment problems. The study presents the results of a project which used digital storytelling for helping first-grade primary school students during this transitional period. It was examined whether, through the development of the digital stories, students could…

Child Adjustment to First Grade as Perceived by the Parents: The Role of Parents' Personal Growth.

PubMed

Ben Shlomo, Shirley; Taubman-Ben-Ari, Orit

2017-04-01

The current study aimed at investigating the direct and moderating role of personal growth in a child's adjustment to first grade as perceived by the parents, drawing on Positive Psychology (Seligman & Csikszentmihalyi, ) and the theory of families as systems (Cox & Paley, ). The sample consisted of 280 Israeli parents (213 mothers and 67 fathers) whose children were in first grade. The participants completed questionnaires relating to background variables of the parent and child, as well as parents' perceived stress, emotional intelligence, perceived child's adjustment to school and personal growth. The findings indicate that a child's entrance into the school system may lead to personal growth in the parents and that variables of both the parent (age and education) and the child (birth order) contribute to this process. Furthermore, among parents with a low level of personal growth, higher emotional intelligence was associated with a more positive assessment of the child's adjustment. The study thus demonstrates that the transition to first grade may serve as a lever for the parents' growth and development, which in turn may affect their perception of their child's adjustment to school. Copyright © 2016 John Wiley & Sons, Ltd. Copyright © 2016 John Wiley & Sons, Ltd.

Mothers' early depressive symptoms and children's first-grade adjustment: a transactional analysis of child withdrawal as a mediator.

PubMed

Yan, Ni; Dix, Theodore

2014-05-01

The depression-inhibition hypothesis suggests that mothers' depressive symptoms undermine development because they lead children to withdraw from social contact. To test this, this study examined whether poor first-grade adjustment among children of mothers with depressive symptoms is mediated by the emergence of child withdrawal in early development. Based on 1,364 dyads, four waves of data spanning from 24 months to first grade (7 years) were used to examine paths by which children's withdrawal mediates relations between mothers' early depressive symptoms and three first-grade outcomes: social competence, academic performance, and externalizing behavior problems. Structural equation modeling revealed three principal paths. First, direct relations were observed: Mothers' depressive symptoms predicted early child withdrawal and increases in child withdrawal over time, which predicted poor first-grade adjustment. Second, reciprocal relations were observed: Mothers' depressive symptoms predicted child withdrawal, which predicted increases in depressive symptoms. Third, relations via mother-child mutual responsiveness were observed: Depression-related increases in child withdrawal predicted declines in mutual responsiveness, which predicted poor first-grade adjustment. The findings suggest that, due to its interdependence with maternal depression and low mother-child mutual responsiveness over time, child withdrawal may play an important role in the poor first-grade adjustment of children whose mothers are high in depressive symptoms. © 2013 The Authors. Journal of Child Psychology and Psychiatry. © 2013 Association for Child and Adolescent Mental Health.

The Grades Transfer from One Grading Scale to Other Algorithmization

ERIC Educational Resources Information Center

Lieponiene, Jurgita; Kulvietiene, Regina

2011-01-01

The article presents the consideration of grading scales used for education outcomes in different countries, describes likeness and differences of applied grading scales. Application of the European Credit Transfer and Accumulation System (ECTS) grading scale is investigated according of the analysis of scientific literature as well as cases of…

The Relationship Between Child and Teacher Evaluations of Self Esteem and Adjustment in Fourth and Sixth Grade Children.

ERIC Educational Resources Information Center

Dorr, Darwin; And Others

The purposes of this study were to investigate at two elementary grade levels, the fourth and the sixth: the relationship between children's self-evaluations of self esteem and adjustment; the relationship between teachers' evaluations of children's self esteem and adjustment; and the relationship between teacher and child judgments of adjustment,…

Understanding Credit Risk: A Classroom Experiment

ERIC Educational Resources Information Center

Servatka, Maros; Theocharides, George

2011-01-01

This classroom experiment introduces students to the notion of credit risk and expected return, by allowing them to trade on comparable corporate bond issues from two types of markets: investment-grade and high-yield markets. Investment-grade issues have a lower probability of default than high-yield issues and thus provide a lower yield.…

Teacher Preference, Peer Rejection, and Student Aggression: A Prospective Study of Transactional Influence and Independent Contributions to Emotional Adjustment and Grades

PubMed Central

Mercer, Sterett H.

2008-01-01

This study assessed the importance of teacher preference of individual students, relative to peer rejection and student aggression, as an independent predictor of children's emotional adjustment and grades. First, a longitudinal, cross-lagged path analysis was conducted to determine the patterns of influence among teacher preference, peer rejection, and student aggression. Then, parallel growth analyses were examined to test whether lower initial and declining teacher preference, beyond the influence of initial-level and change in peer rejection and student aggression, predicted change in loneliness, depression, social anxiety, and grades. Social adjustment, emotional adjustment, and academic adjustment were assessed in the fall and spring of two consecutive school years with 1,193 third-grade students via peer-, teacher-, and self-report instruments as well as school records. In the cross-lagged path analysis, reciprocal influence over time between teacher preference and peer rejection was found, and student aggression predicted lower teacher preference and higher peer rejection. In the growth analyses, initial and declining teacher preference were independent predictors of increasing loneliness and declining grades. Discussion focuses on the relevance of the results within a transactional model of school adaptation. PMID:19083378

Teacher preference, peer rejection, and student aggression: a prospective study of transactional influence and independent contributions to emotional adjustment and grades.

PubMed

Mercer, Sterett H; DeRosier, Melissa E

2008-12-01

This study assessed the importance of teacher preference of individual students, relative to peer rejection and student aggression, as an independent predictor of children's emotional adjustment and grades. First, a longitudinal, cross-lagged path analysis was conducted to determine the patterns of influence among teacher preference, peer rejection, and student aggression. Then, parallel growth analyses were examined to test whether lower initial and declining teacher preference, beyond the influence of initial level and change in peer rejection and student aggression, predicted change in loneliness, depression, social anxiety, and grades. Social adjustment, emotional adjustment, and academic adjustment were assessed in the fall and spring of two consecutive school years with 1193 third-grade students via peer-, teacher-, and self-report instruments as well as school records. In the cross-lagged path analysis, reciprocal influence over time between teacher preference and peer rejection was found, and student aggression predicted lower teacher preference and higher peer rejection. In the growth analyses, initial and declining teacher preference were independent predictors of increasing loneliness and declining grades. Discussion focuses on the relevance of the results within a transactional model of school adaptation.

Infant temperament moderates relations between maternal parenting in early childhood and children's adjustment in first grade.

PubMed

Stright, Anne Dopkins; Gallagher, Kathleen Cranley; Kelley, Ken

2008-01-01

A differential susceptibility hypothesis proposes that children may differ in the degree to which parenting qualities affect aspects of child development. Infants with difficult temperaments may be more susceptible to the effects of parenting than infants with less difficult temperaments. Using latent change curve analyses to analyze data from the National Institute of Child Health and Human Development Study of Early Child Care, the current study found that temperament moderated associations between maternal parenting styles during early childhood and children's first-grade academic competence, social skills, and relationships with teachers and peers. Relations between parenting and first-grade outcomes were stronger for difficult than for less difficult infants. Infants with difficult temperaments had better adjustment than less difficult infants when parenting quality was high and poorer adjustment when parenting quality was lower.

Measuring Behavioral Learnings: A Study in Consumer Credits.

ERIC Educational Resources Information Center

Anderson, C. Raymond

A social simulation game, Consumer, was used to study the effectiveness of simulation in teaching facts about: (1) installment buying; (2) how to compare available sources of credit; and (3) how to recognize the best credit contract. The entire twelfth grade at one high school participated in the study. Ten class sections were assigned to…

Maxed out: The Relationship between Credit Card Debt, Credit Card Distress and Grade Point Averages for College Students

ERIC Educational Resources Information Center

Smith, Temple Day

2011-01-01

Few students leave college with a plan for paying off their debt. Starting a career inundated with student loans and credit card debt burdens is a reality many college students face today. In the wake of graduation coming to terms with the consequences of credit card debt is stressful for many students. This dissertation observes the relationship…

The Role of Extra-Credit Assignments in the Teaching of World Languages

ERIC Educational Resources Information Center

Alley, David

2011-01-01

The granting of extra credit is a hotly debated topic in all fields of education. Teachers are reluctant to offer extra credit for fear of inflating grades, but students are persistent in their demands for extra-credit points to which they have become accustomed. This article considers extra-credit assignments in the teaching of world languages.…

Friends' knowledge of youth internalizing and externalizing adjustment: accuracy, bias, and the influences of gender, grade, positive friendship quality, and self-disclosure.

PubMed

Swenson, Lance P; Rose, Amanda J

2009-08-01

Some evidence suggests that close friends may be knowledgeable of youth's psychological adjustment. However, friends are understudied as reporters of adjustment. The current study examines associations between self- and friend-reports of internalizing and externalizing adjustment in a community sample of fifth-, eighth-, and eleventh-grade youth. The study extends prior work by considering the degree to which friends' reports of youth adjustment are accurate (i.e., predicted by youths' actual adjustment) versus biased (i.e., predicted by the friend reporters' own adjustment). Findings indicated stronger bias effects than accuracy effects, but the accuracy effects were significant for both internalizing and externalizing adjustment. Additionally, friends who perceived their relationships as high in positive quality, friends in relationships high in disclosure, and girls perceived youths' internalizing symptoms most accurately. Knowledge of externalizing adjustment was not influenced by gender, grade, relationship quality, or self-disclosure. Findings suggest that friends could play an important role in prevention efforts.

Parents' and Teachers' Views on the Psychosocial Adjustment of Students with and without a History of Early Grade Retention

ERIC Educational Resources Information Center

Anastasiou, Andri I.; Papachristou, Eleni M.; Diakidoy, Irene-Anna N.

2017-01-01

The study compared teachers' and parents' views about elementary school children's psychosocial adjustment with and without a history of early grade retention. The sample included retained and non-retained students currently in Grades Two and Four (age range 7.5 to 11.6 years) in Cypriot public schools. The retained students experienced early…

12 CFR 932.4 - Credit risk capital requirement.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 932.4 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK RISK MANAGEMENT AND...) Finance Board determination of credit risk percentage requirements. The Finance Board shall determine, and..., except that the Finance Board retains the right to adjust the credit capital charge to account for any...

49 CFR 80.11 - Investment-grade ratings.

Code of Federal Regulations, 2013 CFR

2013-10-01

... investment-grade rating. (b) The full funding of a secured (direct) loan, loan guarantee, or line of credit... rating should reflect the effect of bond insurance, unless that insurance provides credit enhancement...

12 CFR 167.6 - Risk-based capital credit risk-weight categories.

Code of Federal Regulations, 2012 CFR

2012-01-01

... strips receivable, other than credit-enhancing interest-only strips; (N)-(O) [Reserved] (P) That portion... rating systems typically: (1) Are an integral part of the savings association's risk management system... rating grade, including subjective factors; (6) Employ independent credit risk management or loan review...

13 CFR 307.6 - Economic Adjustment Assistance post-approval requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Economic Adjustment Assistance post-approval requirements. 307.6 Section 307.6 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC ADJUSTMENT ASSISTANCE INVESTMENTS General § 307.6 Economic...

13 CFR 307.6 - Economic Adjustment Assistance post-approval requirements.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Economic Adjustment Assistance post-approval requirements. 307.6 Section 307.6 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC ADJUSTMENT ASSISTANCE INVESTMENTS General § 307.6 Economic...

13 CFR 307.6 - Economic Adjustment Assistance post-approval requirements.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false Economic Adjustment Assistance post-approval requirements. 307.6 Section 307.6 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC ADJUSTMENT ASSISTANCE INVESTMENTS General § 307.6 Economic...

13 CFR 307.6 - Economic Adjustment Assistance post-approval requirements.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false Economic Adjustment Assistance post-approval requirements. 307.6 Section 307.6 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC ADJUSTMENT ASSISTANCE INVESTMENTS General § 307.6 Economic...

13 CFR 307.6 - Economic Adjustment Assistance post-approval requirements.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false Economic Adjustment Assistance post-approval requirements. 307.6 Section 307.6 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC ADJUSTMENT ASSISTANCE INVESTMENTS General § 307.6 Economic...

13 CFR 307.3 - Use of Economic Adjustment Assistance Investments.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Use of Economic Adjustment Assistance Investments. 307.3 Section 307.3 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC ADJUSTMENT ASSISTANCE INVESTMENTS General § 307.3 Use of Economic...

13 CFR 307.2 - Criteria for Economic Adjustment Assistance Investments.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Criteria for Economic Adjustment Assistance Investments. 307.2 Section 307.2 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC ADJUSTMENT ASSISTANCE INVESTMENTS General § 307.2 Criteria for...

13 CFR 307.2 - Criteria for Economic Adjustment Assistance Investments.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false Criteria for Economic Adjustment Assistance Investments. 307.2 Section 307.2 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC ADJUSTMENT ASSISTANCE INVESTMENTS General § 307.2 Criteria for...

13 CFR 307.2 - Criteria for Economic Adjustment Assistance Investments.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false Criteria for Economic Adjustment Assistance Investments. 307.2 Section 307.2 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC ADJUSTMENT ASSISTANCE INVESTMENTS General § 307.2 Criteria for...

13 CFR 307.2 - Criteria for Economic Adjustment Assistance Investments.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false Criteria for Economic Adjustment Assistance Investments. 307.2 Section 307.2 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC ADJUSTMENT ASSISTANCE INVESTMENTS General § 307.2 Criteria for...

13 CFR 307.3 - Use of Economic Adjustment Assistance Investments.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false Use of Economic Adjustment Assistance Investments. 307.3 Section 307.3 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC ADJUSTMENT ASSISTANCE INVESTMENTS General § 307.3 Use of Economic...

13 CFR 307.3 - Use of Economic Adjustment Assistance Investments.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Use of Economic Adjustment Assistance Investments. 307.3 Section 307.3 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC ADJUSTMENT ASSISTANCE INVESTMENTS General § 307.3 Use of Economic...

13 CFR 307.3 - Use of Economic Adjustment Assistance Investments.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false Use of Economic Adjustment Assistance Investments. 307.3 Section 307.3 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC ADJUSTMENT ASSISTANCE INVESTMENTS General § 307.3 Use of Economic...

13 CFR 307.3 - Use of Economic Adjustment Assistance Investments.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false Use of Economic Adjustment Assistance Investments. 307.3 Section 307.3 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC ADJUSTMENT ASSISTANCE INVESTMENTS General § 307.3 Use of Economic...

13 CFR 307.2 - Criteria for Economic Adjustment Assistance Investments.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Criteria for Economic Adjustment Assistance Investments. 307.2 Section 307.2 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC ADJUSTMENT ASSISTANCE INVESTMENTS General § 307.2 Criteria for...

Grading Practices--Watching Out for Land Mines.

ERIC Educational Resources Information Center

Nottingham, Marv

1988-01-01

The A to F grading pattern is a highly subjective practice that demands great expertise and assumes a high degree of test validity. This article discusses the merits of extra credit assignments, homework, and "pop" quizzes; outlines defensible grading procedures; and discusses common grading problems, such as using grades as weapons. (MLH)

[Evaluation of preliminary grades and credits in nurse training programs].

PubMed

Darmann-Finck, Ingrid; Duveneck, Nicole

2016-01-01

In the federal state of Bremen preliminary grades were included to the extent of 25 % in written, oral and practical final grades during the time period 2009-2014. The evaluation focuses on the effects of preliminary grades on the scale of final grades and the performance of learners as well as on the assessment of the appropriateness of final grades. A mixed-methods design was employed that consisted of a quasi-experimental study comprising of surveys of students and teachers of comparative and model courses as well as a qualitative study using group discussions. The results confirm that preliminary grades lead to a minimal improvement of the final grades of some exclusively low-achieving students. The assessment of appropriateness hardly changed. From both learners' and teachers' point of view there is still great dissatisfaction concerning the practical final grades. With regard to learning habits an increased willingness to learn new skills on the one hand and a partly increased performance pressure on the other hand were demonstrated. On the basis of these research results, the authors recommend the regular introduction of preliminary marks into the nursing training. Copyright © 2016. Published by Elsevier GmbH.

The Impact of an Online Credit Recovery Program on Students in Grades Nine and Ten

ERIC Educational Resources Information Center

Capone, Andrew P.

2017-01-01

Students who fall behind in credits in their first years of high school are at risk of not graduating. William Penn High School (WPHS) offers students who fail courses the opportunity to make up lost credits by using an online option called the WPHS Credit Recovery Program. The WPHS Credit Recovery Program is designed to keep students on the path…

Pay-Offs from Expanding Summer Credit Recovery in Algebra

ERIC Educational Resources Information Center

Allensworth, Elaine; Nomi, Takako; Heppen, Jessica

2013-01-01

The consequences of failing core academic courses during the first year are dire. In Chicago, over a quarter of students fail at least one semester of algebra in their ninth grade year, and only 13% of students who fail both semesters of Algebra I in ninth grade graduate in 4 years. Offering credit recovery options is one strategy to deal with…

7 CFR 1530.106 - License charges and credits.

Code of Federal Regulations, 2011 CFR

2011-01-01

..., DEPARTMENT OF AGRICULTURE THE REFINED SUGAR RE-EXPORT PROGRAM, THE SUGAR CONTAINING PRODUCTS RE-EXPORT... charged or credited for the quantity of sugar entered, transferred, exported, or used, adjusted to a dry... 100 degrees polarity on a dry weight basis. (1) To adjust the raw value for sugar with a polarization...

38 CFR 10.0 - Adjusted service pay entitlements.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Adjusted service pay... COMPENSATION Adjusted Compensation; General § 10.0 Adjusted service pay entitlements. A veteran entitled to adjusted service pay is one whose adjusted service credit does not amount to more than $50 as distinguished...

49 CFR 80.11 - Investment-grade ratings.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 49 Transportation 1 2010-10-01 2010-10-01 false Investment-grade ratings. 80.11 Section 80.11... § 80.11 Investment-grade ratings. (a) At the time a project sponsor submits an application, the DOT... investment-grade rating. (b) The full funding of a secured (direct) loan, loan guarantee, or line of credit...

49 CFR 80.11 - Investment-grade ratings.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 49 Transportation 1 2011-10-01 2011-10-01 false Investment-grade ratings. 80.11 Section 80.11... § 80.11 Investment-grade ratings. (a) At the time a project sponsor submits an application, the DOT... investment-grade rating. (b) The full funding of a secured (direct) loan, loan guarantee, or line of credit...

Finasteride Does Not Increase the Risk of High-grade Prostate Cancer: A Bias-adjusted Modeling Approach

PubMed Central

Redman, Mary W.; Tangen, Catherine M.; Goodman, Phyllis J.; Parnes, Howard; Ford, Leslie G.; Lucia, M. Scott; Coltman, Charles A.; Thompson, Ian M.

2010-01-01

The Prostate Cancer Prevention Trial found that seven years of administration of finasteride reduced the risk of prostate cancer by 25% but with an apparent increased risk of high grade disease. Subsequent analyses found that finasteride affects cancer detection and improves accuracy of tumor grading at biopsy. We herein estimate the impact of finasteride on the risk of overall and high grade prostate cancer, accounting for these biases. Study endpoints (biopsy-proven cancer or a 7-year end-of-study biopsy) were available in 10,182 of 15,990 subjects assessable for 7-year status and grading information from 500 subjects diagnosed with cancer who underwent radical prostatectomy. Prostate cancer was observed in 22.9% (4.8% with high grade) in the placebo group versus 16.6% (5.8% with high grade) in the finasteride group. In this bias-adjusted analysis, the estimated rates are 21.1% (4.2%) and 14.7% (4.8%), respectively, a 30% risk reduction in prostate cancer (RR =0.70 (95% confidence interval (CI) =0.64-0.76, p<0.0001) and a non-significant 14% increase in high grade cancer (RR=1.14 (95% CI = (0.96-1.35), p=0.12) with finasteride. Incorporating the prostatectomy data, estimated rates of high grade cancers are 8.2% (placebo) versus 6.0% (finasteride), a 27% risk reduction (RR = 0.73 (95% CI=0.56-0.96, p=0.02)) with finasteride. While the observed risk of high grade disease is greater with finasteride, this appears to be through facilitated diagnosis, primarily due to increased biopsy sensitivity. Men undergoing regular prostate cancer screening or who express an interest in cancer prevention should be informed of this prevention opportunity. PMID:19138953

The Grading System: Does an "A" Really Equal Learning?

ERIC Educational Resources Information Center

Haley, Beverly

1988-01-01

Good grades on a report card do not necessarily mean the material has been comprehended. This article examines the relative worth of grades; extra credit assignments; categorizing students into A, B, or C boxes; and the role of parental pressures for higher grades. Grading systems should be subordinate to true learning motivation. (MLH)

A health insurance tax credit for uninsured workers.

PubMed

Zelenak, L

2001-01-01

This paper describes a new system of tax credits to help low-income workers pay for health insurance. The system would be designed to subsidize health insurance coverage for workers who are currently uninsured, or who pay high premiums for nongroup insurance. Anyone age 19 or older who is not covered by Medicaid, Medicare, or employer-sponsored health insurance would be eligible for a health insurance tax credit (HITC), administered through the Internal Revenue Service. The base amount of the proposed credit would be $2,000 per year for each covered individual, but this amount would be adjusted for the individual's age and sex, according to the effect of age and sex on the cost of insurance coverage. The base amount of the credit would be reduced by $150 for every $1,000 by which a person's income exceeded 200% of the federal poverty level, thus limiting HITC eligibility to lower-income workers. To encourage participation in the credit program, most of the credit would be available through an advance payment system, with final reconciliation after year's end.

Joint custody: bipartisan interest expands scope of tax-credit proposals.

PubMed

Cunningham, Robert

2002-01-01

The Bush administration's proposal to use tax credits to cover the uninsured has not attracted enough bipartisan support to make headway in a divided Congress. Democratic objections have centered on the administration's insistence that the credits be used primarily in the individual market. But bipartisan exploration of alternative credit designs has continued on Capitol Hill. Democratic proposals to include health coverage for laid-off workers in debate over the post-September 11 economic stimulus package and more recently in the Trade Adjustment Assistance Act have resulted in increased awareness that tax credits might be used for employer groups as well as in the nongroup market.

Mothers' depressive symptoms in infancy and children's adjustment in grade school: The role of children's sustained attention and executive function.

PubMed

Wang, Yiji; Dix, Theodore

2017-09-01

On the basis of longitudinal data across 9 years, this study examined the contribution of sustained attention and executive function to the poor cognitive and socioemotional adjustment of school-age children whose mothers had depressive symptoms during the child's infancy. Mothers (N = 1,364) reported depressive symptoms across their child's infancy and early childhood. Maternal sensitivity was observed during laboratory interactions at 36 months. At school entry children's sustained attention and executive function were measured with computer-generated tasks. In third grade, cognitive and socioemotional adjustment was assessed with standardized tests and the reports of fathers and teachers. Using structural equation modeling, findings showed that (a) exposure to mothers' depressive symptoms during the child's infancy, independent of later exposure, uniquely predicted children's poor sustained attention and executive function at school entry; (b) deficits in children's sustained attention and executive function occurred because of depressed mothers' tendencies to display insensitive parenting behavior; and (c) these deficits explained in part relations between exposure to mothers' depressive symptoms in infancy and children's poor cognitive and socioemotional adjustment in third grade. Findings highlight the potential importance of children's exposure to mothers' depressive symptoms specifically during the child's infancy for disrupting the development of fundamental cognitive processes that may underlie the adjustment problems children of depressed mothers display in middle childhood. (PsycINFO Database Record (c) 2017 APA, all rights reserved).

12 CFR Appendix F to Part 226 - Annual Percentage Rate Computations for Certain Open-End Credit Plans

Code of Federal Regulations, 2010 CFR

2010-01-01

... adjusted balance (previous balance less payments and credits) and the consumer made a payment of $50 at the... convenience of the user, the revised text is set forth as follows: Pt. 226, App. F, Nt. Appendix F to Part 226... rate applies only to an adjusted balance (previous balance less payments and credits) and the consumer...

Investigating the utility of a GPA institutional adjustment index.

PubMed

Didier, Thomas; Kreiter, Clarence D; Buri, Russell; Solow, Catherine

2006-05-01

Grading standards vary widely across undergraduate institutions. If, during the medical school admissions process, GPA is considered without reference to the institution attended, it will disadvantage applicants from undergraduate institutions employing rigorous grading standards. A regression-based GPA institutional equating method using historical MCAT and GPA information is described. Classes selected from eight applicant pools demonstrate the impact of the GPA adjustment. The validity of the adjustment is examined by comparing adjusted and unadjusted GPAs' correlation with USMLE and medical college grades. The adjusted GPA demonstrated significantly improved congruence with MCAT estimates of applicant preparedness. The adjustment changed selection decisions for 21% of those admitted. The adjusted GPA enhanced prediction of USMLE and medical school grades only for students from institutions which required large adjustments. Unlike other indices, the adjustment described uses the same metric as GPA and is based only on an institution's history of preparing medical school applicants. The institutional adjustment is consequential in selection, significantly enhances congruence with a standardized measure of academic preparedness and may enhance the validity of the GPA.

40 CFR 89.207 - Credit calculation.

Code of Federal Regulations, 2011 CFR

2011-07-01

...) × (Volume) × (AvgPR) × (UL) × (Adjustment) × (10−6) (ii) For determining credit usage for all engine...) × (Volume) × (AvgPR) × (UL) × (10−6) Where: Std = the applicable Tier 1 NOX nonroad engine emission standard... for end-of-year compliance determination. AvgPR = the average power rating of all of the...

Traces of business cycles in credit-rating migrations

PubMed Central

Boreiko, Dmitri; Kaniovski, Serguei; Pflug, Georg

2017-01-01

Using migration data of a rating agency, this paper attempts to quantify the impact of macroeconomic conditions on credit-rating migrations. The migrations are modeled as a coupled Markov chain, where the macroeconomic factors are represented by unobserved tendency variables. In the simplest case, these binary random variables are static and credit-class-specific. A generalization treats tendency variables evolving as a time-homogeneous Markov chain. A more detailed analysis assumes a tendency variable for every combination of a credit class and an industry. The models are tested on a Standard and Poor’s (S&P’s) dataset. Parameters are estimated by the maximum likelihood method. According to the estimates, the investment-grade financial institutions evolve independently of the rest of the economy represented by the data. This might be an evidence of implicit too-big-to-fail bail-out guarantee policies of the regulatory authorities. PMID:28426758

Traces of business cycles in credit-rating migrations.

PubMed

Boreiko, Dmitri; Kaniovski, Serguei; Kaniovski, Yuri; Pflug, Georg

2017-01-01

Using migration data of a rating agency, this paper attempts to quantify the impact of macroeconomic conditions on credit-rating migrations. The migrations are modeled as a coupled Markov chain, where the macroeconomic factors are represented by unobserved tendency variables. In the simplest case, these binary random variables are static and credit-class-specific. A generalization treats tendency variables evolving as a time-homogeneous Markov chain. A more detailed analysis assumes a tendency variable for every combination of a credit class and an industry. The models are tested on a Standard and Poor's (S&P's) dataset. Parameters are estimated by the maximum likelihood method. According to the estimates, the investment-grade financial institutions evolve independently of the rest of the economy represented by the data. This might be an evidence of implicit too-big-to-fail bail-out guarantee policies of the regulatory authorities.

13 CFR 313.3 - Overview of Community Trade Adjustment Assistance.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false Overview of Community Trade..., DEPARTMENT OF COMMERCE COMMUNITY TRADE ADJUSTMENT ASSISTANCE Participation in the Community Trade Adjustment Assistance Program § 313.3 Overview of Community Trade Adjustment Assistance. The Community TAA Program is...

13 CFR 313.3 - Overview of Community Trade Adjustment Assistance.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false Overview of Community Trade..., DEPARTMENT OF COMMERCE COMMUNITY TRADE ADJUSTMENT ASSISTANCE Participation in the Community Trade Adjustment Assistance Program § 313.3 Overview of Community Trade Adjustment Assistance. The Community TAA Program is...

77 FR 25538 - Credit for Renewable Electricity Production, Refined Coal Production, and Indian Coal Production...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-30

... DEPARTMENT OF THE TREASURY Internal Revenue Service Credit for Renewable Electricity Production, Refined Coal Production, and Indian Coal Production, and Publication of Inflation Adjustment Factors and... determining the availability of the credit for renewable electricity production. FOR FURTHER INFORMATION...

75 FR 18015 - Credit for Renewable Electricity Production, Refined Coal Production, and Indian Coal Production...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-08

... DEPARTMENT OF THE TREASURY Internal Revenue Service Credit for Renewable Electricity Production, Refined Coal Production, and Indian Coal Production, and Publication of Inflation Adjustment Factors and... FR 16576 determining the availability of the credit for renewable electricity production, refined...

SOCIAL CLASS BACKGROUND OF 8TH GRADE PUPILS, SOCIAL CLASS COMPOSITION OF THEIR SCHOOLS, THEIR ACADEMIC ASPIRATIONS AND SCHOOL ADJUSTMENT.

ERIC Educational Resources Information Center

WALDO, LESLIE C.; WALLIN, PAUL

AN EXPLANATION OF DIFFERENCES AMONG EIGHTH GRADE BOYS AND GIRLS IN REGARD TO THEIR LEVEL OF EDUCATIONAL ASPIRATION AND THEIR ADJUSTMENT IN THE SCHOOL SITUATION WAS PRESENTED. THE STUDENTS STUDIED ATTENDED SEVEN DIFFERENT JUNIOR HIGH SCHOOLS. FOUR OF THE SCHOOLS WERE PREDOMINANTLY COMPOSED OF CHILDREN FROM MIDDLE-CLASS FAMILIES, AND THREE, OF…

Detecting Math Anxiety with a Mixture Partial Credit Model

ERIC Educational Resources Information Center

Ölmez, Ibrahim Burak; Cohen, Allan S.

2017-01-01

The purpose of this study was to investigate a new methodology for detection of differences in middle grades students' math anxiety. A mixture partial credit model analysis revealed two distinct latent classes based on homogeneities in response patterns within each latent class. Students in Class 1 had less anxiety about apprehension of math…

13 CFR 107.1540 - Distributions by Licensee-Prioritized Payments and Adjustments.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Distributions by Licensee-Prioritized Payments and Adjustments. 107.1540 Section 107.1540 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage...

Program of Studies: Industrial Arts: Grades 7-12.

ERIC Educational Resources Information Center

Fairfax County Schools, VA.

The first part of the industrial arts curriculum guide provides brief descriptions of the program and course goals for grades K-12 and a one-page chart of program courses. Part 2 contains unit plans for grades 7-12 which provide unit descriptions, credit values, minimum class times, maximum students per class, prerequisites, and various unit…

Mothers' Early Depressive Symptoms and Children's First-Grade Adjustment: A Transactional Analysis of Child Withdrawal as a Mediator

ERIC Educational Resources Information Center

Yan, Ni; Dix, Theodore

2014-01-01

Background: The depression-inhibition hypothesis suggests that mothers' depressive symptoms undermine development because they lead children to withdraw from social contact. To test this, this study examined whether poor first-grade adjustment among children of mothers with depressive symptoms is mediated by the emergence of child withdrawal…

Consumer Education Resources: Credit, Credit Problems, Home Mortgages & Equity Loans.

ERIC Educational Resources Information Center

Eastern Michigan Univ., Ypsilanti. National Inst. for Consumer Education.

This document contains five lists of consumer resources pertaining to credit, credit problems, and home mortgages and equity loans. The first list, targeted at adults, provides information on general credit, applying for credit and contracts, seniors and women and credit, credit options and costs, credit protection, credit reports and bureaus, and…

Relationship between peer victimization and school adjustment in sixth-grade students: investigating mediation effects.

PubMed

Wei, Hsi-Sheng; Williams, James Herbert

2004-10-01

Peer victimization is a common occurrence in school settings. This study investigated the relationship between peer victimization and school adjustment in a sample of 1,022 sixth-grade students. Measures used in this study include peer victimization, perceived peer non-support, school attachment, inattention problems, and academic achievement. Multivariate path analyses were conducted to test direct and mediation effects in the over-all model and to explore gender differences. The results provided support for the hypothesized model indicating that the relationship between peer victimization and school attachment is mediated by perceived peer non-support, and that school attachment is related to inattentive school behaviors and poor academic achievement. Paths indicated invariance across models for gender. Prevention and intervention implications of these findings are discussed.

12 CFR Appendix to Part 745 - Examples of Insurance Coverage Afforded Accounts in Credit Unions Insured by the National Credit...

Code of Federal Regulations, 2011 CFR

2011-01-01

... the funds in his capacity as an official of a governmental body that qualified as a public unit, then... available to an individual participant on his interest in the account will be in proportion to his interest... interest of each participant, adjusted in proportion to the Fund's investment in the credit union...

12 CFR Appendix to Part 745 - Examples of Insurance Coverage Afforded Accounts in Credit Unions Insured by the National Credit...

Code of Federal Regulations, 2014 CFR

2014-01-01

... credit union. If A is the custodian of the funds in his capacity as an official of a governmental body... account will be in proportion to his interest in the entire employee retirement fund. If, for example, the...: The account is insured as to the determinable interest of each participant, adjusted in proportion to...

12 CFR Appendix to Part 745 - Examples of Insurance Coverage Afforded Accounts in Credit Unions Insured by the National Credit...

Code of Federal Regulations, 2013 CFR

2013-01-01

... credit union. If A is the custodian of the funds in his capacity as an official of a governmental body... account will be in proportion to his interest in the entire employee retirement fund. If, for example, the...: The account is insured as to the determinable interest of each participant, adjusted in proportion to...

12 CFR Appendix to Part 745 - Examples of Insurance Coverage Afforded Accounts in Credit Unions Insured by the National Credit...

Code of Federal Regulations, 2012 CFR

2012-01-01

... credit union. If A is the custodian of the funds in his capacity as an official of a governmental body... account will be in proportion to his interest in the entire employee retirement fund. If, for example, the...: The account is insured as to the determinable interest of each participant, adjusted in proportion to...

On Common Constitutional Ground: How Georgia's Scholarship Tax Credits Mirror Other State Programs and Expand Educational Opportunity

ERIC Educational Resources Information Center

Carpenter, Dick M., II.; Erickson, Angela C.

2016-01-01

In 2008, Georgia launched a tax-credit scholarship program to expand educational opportunities for the state's pre-K through 12th-grade students by providing them scholarships to attend private schools. Georgia's scholarship tax credit program will help over 13,000 children get the best education for their needs at secular and religious private…

Grading Matters in Theological Education

ERIC Educational Resources Information Center

Blodgett, Barbara J.

2017-01-01

Grading systems matter more to the teaching and learning enterprise than many teachers may realize, as demonstrated in the author's experience of adopting a new one. Different systems emphasize different values such as excellence vs. perfection, achievement vs. talent, and second chances vs. partial credit. The author relates her experiment with…

7 CFR 1030.55 - Transportation credits and assembly credits.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 9 2011-01-01 2011-01-01 false Transportation credits and assembly credits. 1030.55... assembly credits. (a) Each handler operating a pool distributing plant described in § 1030.7(a), (b), (d... shall receive an assembly credit on the portion of such milk eligible for the credit pursuant to...

7 CFR 1030.55 - Transportation credits and assembly credits.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 9 2010-01-01 2009-01-01 true Transportation credits and assembly credits. 1030.55... assembly credits. (a) Each handler operating a pool distributing plant described in § 1030.7(a), (b), (d... shall receive an assembly credit on the portion of such milk eligible for the credit pursuant to...

7 CFR 1030.55 - Transportation credits and assembly credits.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 9 2013-01-01 2013-01-01 false Transportation credits and assembly credits. 1030.55... assembly credits. (a) Each handler operating a pool distributing plant described in § 1030.7(a), (b), (d... shall receive an assembly credit on the portion of such milk eligible for the credit pursuant to...

7 CFR 1030.55 - Transportation credits and assembly credits.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 9 2012-01-01 2012-01-01 false Transportation credits and assembly credits. 1030.55... assembly credits. (a) Each handler operating a pool distributing plant described in § 1030.7(a), (b), (d... shall receive an assembly credit on the portion of such milk eligible for the credit pursuant to...

7 CFR 1030.55 - Transportation credits and assembly credits.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 9 2014-01-01 2013-01-01 true Transportation credits and assembly credits. 1030.55... assembly credits. (a) Each handler operating a pool distributing plant described in § 1030.7(a), (b), (d... shall receive an assembly credit on the portion of such milk eligible for the credit pursuant to...

Efficiency and credit ratings: a permutation-information-theory analysis

NASA Astrophysics Data System (ADS)

Fernandez Bariviera, Aurelio; Zunino, Luciano; Belén Guercio, M.; Martinez, Lisana B.; Rosso, Osvaldo A.

2013-08-01

The role of credit rating agencies has been under severe scrutiny after the subprime crisis. In this paper we explore the relationship between credit ratings and informational efficiency of a sample of thirty nine corporate bonds of US oil and energy companies from April 2008 to November 2012. For this purpose we use a powerful statistical tool, relatively new in the financial literature: the complexity-entropy causality plane. This representation space allows us to graphically classify the different bonds according to their degree of informational efficiency. We find that this classification agrees with the credit ratings assigned by Moody’s. In particular, we detect the formation of two clusters, which correspond to the global categories of investment and speculative grades. Regarding the latter cluster, two subgroups reflect distinct levels of efficiency. Additionally, we also find an intriguing absence of correlation between informational efficiency and firm characteristics. This allows us to conclude that the proposed permutation-information-theory approach provides an alternative practical way to justify bond classification.

20 CFR 210.6 - Service credited for creditable military service.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Service credited for creditable military... RETIREMENT ACT CREDITABLE RAILROAD SERVICE § 210.6 Service credited for creditable military service. Any calendar month in which an employee performed creditable military service, as defined in part 212 of this...

An application of locally linear model tree algorithm with combination of feature selection in credit scoring

NASA Astrophysics Data System (ADS)

Siami, Mohammad; Gholamian, Mohammad Reza; Basiri, Javad

2014-10-01

Nowadays, credit scoring is one of the most important topics in the banking sector. Credit scoring models have been widely used to facilitate the process of credit assessing. In this paper, an application of the locally linear model tree algorithm (LOLIMOT) was experimented to evaluate the superiority of its performance to predict the customer's credit status. The algorithm is improved with an aim of adjustment by credit scoring domain by means of data fusion and feature selection techniques. Two real world credit data sets - Australian and German - from UCI machine learning database were selected to demonstrate the performance of our new classifier. The analytical results indicate that the improved LOLIMOT significantly increase the prediction accuracy.

Loss Aversion in the Classroom: A Nudge towards a Better Grade?

ERIC Educational Resources Information Center

Grijalva, Therese; Koford, Brandon C.; Parkhurst, Gregory

2018-01-01

Using data from 499 students over 12 sections, 2 courses, and 3 instructors, we estimate the effect of loss aversion on the probability of turning in extra credit assignments and the effect on the overall grade. Regression results indicate no effect of loss aversion on the probability of turning in extra credit assignments and no effect on a…

20 CFR 211.7 - Compensation credited for creditable military service.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Compensation credited for creditable military... RETIREMENT ACT CREDITABLE RAILROAD COMPENSATION § 211.7 Compensation credited for creditable military service... for each month of military service, provided the employee's combined monthly railroad and military...

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

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Farm Credit Banks and agricultural credit banks. 614.4352 Section 614.4352 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4352 Farm Credit Banks and agricultural credit...

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 324.134 - Guarantees and credit derivatives: PD substitution and LGD adjustment approaches.

Code of Federal Regulations, 2014 CFR

2014-01-01

... credit derivative covering an exposure described in paragraph (a)(1) of this section by using the PD... hedged exposures—(1) PD substitution approach—(i) Full coverage. If an eligible guarantee or eligible..., where PD is the protection provider's PD, LGD is determined under paragraph (c)(1)(iii) of this section...

12 CFR 217.134 - Guarantees and credit derivatives: PD substitution and LGD adjustment approaches.

Code of Federal Regulations, 2014 CFR

2014-01-01

... credit derivative covering an exposure described in paragraph (a)(1) of this section by using the PD... hedged exposures—(1) PD substitution approach—(i) Full coverage. If an eligible guarantee or eligible..., where PD is the protection provider's PD, LGD is determined under paragraph (c)(1)(iii) of this section...

5. Credit BG. View looking northeast at southwest facade of ...

Library of Congress Historic Buildings Survey, Historic Engineering Record, Historic Landscapes Survey

5. Credit BG. View looking northeast at southwest facade of Building 4505 as seen from top of Building 4500 (Control Tower). A warehouse wing adjoins southeast side of hangar at right. In far right background is Building 4511, Jet Fuel Depot for grade JP-5 fuel. - Edwards Air Force Base, North Base, Hangar, End of North Base Road, Boron, Kern County, CA

26 CFR 1.904(b)-2 - Special rules for application of section 904(b) to alternative minimum tax foreign tax credit.

Code of Federal Regulations, 2010 CFR

2010-04-01

...) to alternative minimum tax foreign tax credit. 1.904(b)-2 Section 1.904(b)-2 Internal Revenue... alternative minimum tax foreign tax credit. (a) Application of section 904(b)(2)(B) adjustments. Section 904(b)(2)(B) shall apply for purposes of determining the alternative minimum tax foreign tax credit under...

Long-range Ising model for credit portfolios with heterogeneous credit exposures

NASA Astrophysics Data System (ADS)

Kato, Kensuke

2016-11-01

We propose the finite-size long-range Ising model as a model for heterogeneous credit portfolios held by a financial institution in the view of econophysics. The model expresses the heterogeneity of the default probability and the default correlation by dividing a credit portfolio into multiple sectors characterized by credit rating and industry. The model also expresses the heterogeneity of the credit exposure, which is difficult to evaluate analytically, by applying the replica exchange Monte Carlo method to numerically calculate the loss distribution. To analyze the characteristics of the loss distribution for credit portfolios with heterogeneous credit exposures, we apply this model to various credit portfolios and evaluate credit risk. As a result, we show that the tail of the loss distribution calculated by this model has characteristics that are different from the tail of the loss distribution of the standard models used in credit risk modeling. We also show that there is a possibility of different evaluations of credit risk according to the pattern of heterogeneity.

40 CFR 63.7533 - Can I use efficiency credits earned from implementation of energy conservation measures to comply...

Code of Federal Regulations, 2014 CFR

2014-07-01

... the implementation plan for efficiency credits to the Administrator for review and approval no later... level adjusted by applying the efficiency credits earned, lb per million Btu steam output (or lb per MWh) for the affected boiler. Em = Emissions measured during the performance test, lb per million Btu steam...

40 CFR 63.7533 - Can I use efficiency credits earned from implementation of energy conservation measures to comply...

Code of Federal Regulations, 2013 CFR

2013-07-01

... the implementation plan for efficiency credits to the Administrator for review and approval no later... level adjusted by applying the efficiency credits earned, lb per million Btu steam output (or lb per MWh) for the affected boiler. Em = Emissions measured during the performance test, lb per million Btu steam...

High-risk health and credit behavior among 18- to 25-year-old college students.

PubMed

Adams, Troy; Moore, Monique

2007-01-01

The number of students accumulating credit card debt--and the amount of debt itself--on college campuses is increasing. If high-risk credit and health behavior are associated, health behavior interventions might apply to high-risk credit behavior. The authors' purpose was to examine these possible associations. They used a retrospective design with existing data from a sample of 45,213 US college students and several ordinal regression models, which corresponded with high priority college health issues. Students with high-risk credit behavior were more likely to have driven after drinking, used amphetamines in the previous 30 days, felt functionally impaired by depression in the previous 12 months, had a higher body mass index (BMI), or had a lower grade-point average (GPA). They were less likely to have participated in vigorous physical activity, used condoms for oral or vaginal sex in the prior 30 days, or used marijuana. The findings support the notion that high-risk health and credit behaviors are associated. Further research could clarify the nature of this relation.

Children's Positive Adjustment to First Grade in Risk-Filled Communities: A Case Study of the Role of School Ecologies in South Africa and Finland

ERIC Educational Resources Information Center

Kumpulainen, Kristiina; Theron, Linda; Kahl, Carlien; Bezuidenhout, Carla; Mikkola, Anna; Salmi, Saara; Khumalo, Tumi; Uusitalo-Malmivaara, Lotta

2016-01-01

This article presents a comparative case study on the ways in which children's school ecologies facilitate their adjusting positively to first grade in risk-filled contexts in South Africa and Finland. The insights of two children (one South African, one Finnish) from socio-economically disadvantaged communities, their teachers, parents and…

Failing to progress or progressing to fail? Age-for-grade heterogeneity and grade repetition in primary schools in Karonga district, northern Malawi

PubMed Central

Sunny, Bindu S.; Elze, Markus; Chihana, Menard; Gondwe, Levie; Crampin, Amelia C.; Munkhondya, Masoyaona; Kondowe, Scotch; Glynn, Judith R.

2018-01-01

Timely progression through school is an important measure for school performance, completion and the onset of other life transitions for adolescents. This study examines the risk factors for grade repetition and establishes the extent to which age-for-grade heterogeneity contributes to subsequent grade repetition at early and later stages of school. Using data from a demographic surveillance site in Karonga district, northern Malawi, a cohort of 8174 respondents (ages 5–24 years) in primary school was followed in 2010 and subsequent grade repetition observed in 2011. Grade repetition was more common among those at early (grades 1–3) and later (grades 7–8) stages of school, with little variation by sex. Being under-age or over-age in school has different implications on schooling outcomes, depending on the stage of schooling. After adjusting for other risk factors, boys and girls who were under-age at early stages were at least twice as likely to repeat a grade as those at the official age-for-grade (girls: adjusted OR 2.06 p < 0.01; boys: adjusted OR 2.37 p < 0.01); while those over-age at early stages were about 30% less likely to repeat (girls: adjusted OR 0.65 p < 0.01; boys: adjusted OR 0.72 p < 0.01). Being under/over-age at later grades (4–8) was not associated with subsequent repetition but being over-age was associated with dropout. Other risk factors identified that were associated with repetition included both family-level factors (living away from their mother, having young children in the household, lower paternal education) and school-level factors (higher student-teacher ratio, proportion of female teachers and schools without access to water). Reducing direct and indirect costs of schooling for households; and improving school quality and resources at early stages of school may enable timely progression at early stages for greater retention at later stages. PMID:29391662

Failing to progress or progressing to fail? Age-for-grade heterogeneity and grade repetition in primary schools in Karonga district, northern Malawi.

PubMed

Sunny, Bindu S; Elze, Markus; Chihana, Menard; Gondwe, Levie; Crampin, Amelia C; Munkhondya, Masoyaona; Kondowe, Scotch; Glynn, Judith R

2017-01-01

Timely progression through school is an important measure for school performance, completion and the onset of other life transitions for adolescents. This study examines the risk factors for grade repetition and establishes the extent to which age-for-grade heterogeneity contributes to subsequent grade repetition at early and later stages of school. Using data from a demographic surveillance site in Karonga district, northern Malawi, a cohort of 8174 respondents (ages 5-24 years) in primary school was followed in 2010 and subsequent grade repetition observed in 2011. Grade repetition was more common among those at early (grades 1-3) and later (grades 7-8) stages of school, with little variation by sex. Being under-age or over-age in school has different implications on schooling outcomes, depending on the stage of schooling. After adjusting for other risk factors, boys and girls who were under-age at early stages were at least twice as likely to repeat a grade as those at the official age-for-grade (girls: adjusted OR 2.06 p < 0.01; boys: adjusted OR 2.37 p < 0.01); while those over-age at early stages were about 30% less likely to repeat (girls: adjusted OR 0.65 p < 0.01; boys: adjusted OR 0.72 p < 0.01). Being under/over-age at later grades (4-8) was not associated with subsequent repetition but being over-age was associated with dropout. Other risk factors identified that were associated with repetition included both family-level factors (living away from their mother, having young children in the household, lower paternal education) and school-level factors (higher student-teacher ratio, proportion of female teachers and schools without access to water). Reducing direct and indirect costs of schooling for households; and improving school quality and resources at early stages of school may enable timely progression at early stages for greater retention at later stages.

Adjustment to the First Year in School--A Singapore Perspective

ERIC Educational Resources Information Center

Yeo, Lay See; Clarke, Christine

2006-01-01

This paper investigates the concept of adjustment to school for a group of primary one (first grade) pupils in Singapore. Pupils rated by their teachers as being well adjusted obtained significantly higher grades at the end of the school year, did not require additional learning support, and exhibited better social skills compared to children…

Marital Adjustment and Children's Academic Achievement.

ERIC Educational Resources Information Center

Westerman, Michael A.; La Luz, Edgar J.

1995-01-01

Investigated the relationship between marital adjustment and children's functioning at school and home. Marital adjustment was significantly related to two achievement measures (grades and teacher reports of school performance) and a trend was found for a third (achievement test scores). Significant associations also were found for other measures…

Risk adjustment model of credit life insurance using a genetic algorithm

NASA Astrophysics Data System (ADS)

Saputra, A.; Sukono; Rusyaman, E.

2018-03-01

In managing the risk of credit life insurance, insurance company should acknowledge the character of the risks to predict future losses. Risk characteristics can be learned in a claim distribution model. There are two standard approaches in designing the distribution model of claims over the insurance period i.e, collective risk model and individual risk model. In the collective risk model, the claim arises when risk occurs is called individual claim, accumulation of individual claim during a period of insurance is called an aggregate claim. The aggregate claim model may be formed by large model and a number of individual claims. How the measurement of insurance risk with the premium model approach and whether this approach is appropriate for estimating the potential losses occur in the future. In order to solve the problem Genetic Algorithm with Roulette Wheel Selection is used.

Awarding Credit Where Credit Is Due: Effective Practices for the Implementation of Credit by Exam. Adopted Spring 2014

ERIC Educational Resources Information Center

Academic Senate for California Community Colleges, 2014

2014-01-01

Credit by Exam is a mechanism employed in the California community colleges as a means of granting credit for student learning outside of the traditional classroom. In some instances, credit by exam is the means used to award college credit for structured learning experiences in a secondary educational setting, while in other instances knowledge…

26 CFR 1.1374-6 - Credits and credit carryforwards.

Code of Federal Regulations, 2010 CFR

2010-04-01

... liability described in section 38(c)(1). The tentative minimum tax described in section 55(b) is determined... 55(b)(2). (c) Examples. The rules of this section are illustrated by the following examples. Example... rules applying to C corporations. Any other credits or credit carryforwards, such as foreign tax credits...

The Humanistic Method of Grading.

ERIC Educational Resources Information Center

Nichols, Otis Clovis

1981-01-01

Sets forth a guideline for incorporating humanism into grading with built-in adjustments that accommodate some human weaknesses. Built-in adjustments cancel or neutralize some of the blunders that are inherent in the teaching, learning, and testing processes that reflect student assessment. (Author)

Credit Where Credit Is Due: Working with Our Service Members to Provide Credit for Experiential Learning

ERIC Educational Resources Information Center

Boerner, Heather

2013-01-01

The awarding of prior learning credits for military students goes back to World War II, when the American Council on Education (ACE) first translated military training to college credit. Since then, the practice has expanded. More than 2,000 colleges and universities accept military training as a form of credit, explains Cathy Sandeen, ACE's vice…

An improved accrual: reducing medical malpractice year-end adjustments.

PubMed

Frese, Richard C

2012-08-01

Healthcare organizations can improve their year-end malpractice insurance accruals by taking the following steps: Maintain productive communication. Match accrual and accounting policies. Adjust amount of credit to own historical loss experience. Request more frequent analysis. Obtain a second opinion.

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

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-08

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

Extra Credit Micro-Incentives and Response Rates for Online Course Evaluations: Two Quasi-Experiments

ERIC Educational Resources Information Center

Sundstrom, Eric D.; Hardin, Erin E.; Shaffer, Matthew J.

2016-01-01

To extend prior findings on the motivational value of tiny, nonfinancial incentives, we conducted two quasi-experiments on the relationship of extra credit micro-incentives (ECMIs, worth =1% of course grade) and response rates for online course evaluations. Study 1 involved two advanced undergraduate psychology courses taught by the same…

Do At-Risk Students Benefit When NovaNET Is Used for Credit Recovery?

ERIC Educational Resources Information Center

Volkerding, Rebecca Lynn

2012-01-01

The purpose of this study was to determine if it is effective and appropriate to place all students needing credit recovery in computer-based classes regardless of age, risk ratio, and their previous failing grade. Driven by the NCLB mandate for schools to produce greater gains and graduate all students in 4.5 years, districts are now using online…

Credit BG. View looks south southeast toward tank farm, Rogers ...

Library of Congress Historic Buildings Survey, Historic Engineering Record, Historic Landscapes Survey

Credit BG. View looks south southeast toward tank farm, Rogers Dry Lake is in the background. Each cylindrical tank is labeled for jet fuel grade JP5. Two 2,000 gallon capacity rectangular tanks in midground are fabricated of concrete for storing hydrocarbons; they were constructed in 1993. Structure at extreme right of view is Building 4515, Jet Fuel Testing Laboratory - Edwards Air Force Base, North Base, Aircraft Fuel Tank Farm, Northeast of A Street, Boron, Kern County, CA

76 FR 40946 - WNC Tax Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-12

... Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC National Partners... (``Fund 41'') (each a ``Fund,'' and collectively, the ``Funds''), WNC Housing Tax Credits Manager 2, LLC (the ``Manager''), WNC National Partners, LLC (``WNC National Partners'') and WNC & Associates, Inc...

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

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Production credit association and agricultural....5172 Production credit association and agricultural credit association investment in farmers' notes... of the Farm Credit Bank or agricultural credit bank and each production credit association and...

Dual-Credit in Kentucky

ERIC Educational Resources Information Center

Stephenson, Lisa G.

2013-01-01

Credit-based transition programs provide high school students with opportunities to jump start their college education. The Kentucky Community and Technical College System (KCTCS) offers college credit through dual-credit programs. While KCTCS dual-credit offerings have been successful in helping high school students start their college education…

The Influence of Academic Momentum and Associate Degree Credit Requirements on Community College Student Degree Completion

ERIC Educational Resources Information Center

Knox, Daniel

2017-01-01

This study addresses gaps in the theoretical and policy literature by examining the relationship between associate degree program credit requirements and four student outcomes: associate degree attainment, time to degree, final associate degree grade point average, and persistence. Using student unit record data, a longitudinal quantitative study…

Credit: A Teaching Unit.

ERIC Educational Resources Information Center

Clanton, Brandolyn; And Others

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

Grading the Clinton administration's health care team.

PubMed

1994-01-01

Where health reform ends up this year--or next--is anyone's guess. But no one can dispute the enormous role the Clinton White House has played in getting the ball rolling. Even the Clintons' most ardent foes (and there are more than a few) acknowledge that the President and First Lady Hillary Rodham Clinton deserve enormous credit for putting the complex issue high on the public and political agenda. With those extra-credit points safely assured, the editorial staff of the Journal of American Health Policy is grading the efforts of 10 top health officials in the Clinton Administration. Our 1994 report card reflects individuals' leadership ability, credibility in dealing with the public, willingness to compromise, and role in improving health care for all Americans.

Commander Lousma adjusts MLR controls on middeck

NASA Image and Video Library

1982-03-30

STS003-22-127 (22-30 March 1982) --- Astronaut Jack R. Lousma, STS-3 commander, wearing communications kit assembly (assy) mini-headset, adjusts controls on Monodisperse Latex Reactor (MLR) experiment located in forward middeck lockers MF57H and MF57K. To reach MLR support electronics assy controls, Lousma squeezes in between forward lockers and Development Flight Instrument (DFI) unit on starboard bulkhead. Photo credit: NASA

The Impact of Credit-Based Transition Programs on Changing the Educational Aspirations of High School Seniors

ERIC Educational Resources Information Center

Howerter, Wendy Lou

2011-01-01

This correlational study samples twelfth grade (senior) students in one central Midwest high school and examines their participation in credit-based transition programs and their changes in educational aspirations. Surveys and community college data are used to collect quantitative data to address six research questions. Using Hossler and…

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

Code of Federal Regulations, 2010 CFR

2010-01-01

..., agricultural credit banks, Federal land bank associations, Federal land credit associations, production credit associations, and agricultural credit associations. 614.4070 Section 614.4070 Banks and Banking FARM CREDIT... land credit associations, production credit associations, and agricultural credit associations. (a) A...

``I Just Want The Credit!'' - Perceived Instrumentality as the Main Characteristic of Boys' Motivation in a Grade 11 Science Course

NASA Astrophysics Data System (ADS)

Nieswandt, Martina; Shanahan, Marie-Claire

2008-01-01

This case study examines the motivational structure of a group of male students ( n = 10) in a grade 11 General Science class at an independent single-sex school. We approach the concept of motivation through the integration of three different theoretical approaches: sociocultural theory, future time perspective and achievement goal theory. This framework allows us to stress the dialectical interdependence of motivation, as expressed through individual goals, and the socially and culturally influenced origins of these goals. Our results suggest that the boys internalised the administrative description of the course as meeting a diploma requirement, which they expressed in their perception of the course as being for “non-science” people who “just need a credit.” However, we also found situational changes in students’ motivational structure towards more intrinsic orientations when they were engaged in topics with personal everyday and future relevance. These situational changes in students’ goal structures illustrate that our participants did not internalise classroom and school goal messages wholly and, instead, selectively and constructively transformed these goal messages depending on their own motivational structure and beliefs. These results stress the importance of teachers scaffolding not only for conceptual learning but also for student motivation in science classes, especially those that purposefully teach towards scientific literacy.

75 FR 17083 - Fiduciary Duties at Federal Credit Unions; Mergers and Conversions of Insured Credit Unions...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-05

... Credit Unions; Mergers and Conversions of Insured Credit Unions; Correction AGENCY: National Credit Union... Federal credit unions and mergers and conversions of insured credit unions. The proposed rule as published... Conversions of Insured Credit Unions) in the e-mail subject line.'' [[Page 17084

7 CFR 1435.303 - Adjustment of the overall allotment quantity.

Code of Federal Regulations, 2013 CFR

2013-01-01

... CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Flexible Marketing Allotments For Sugar § 1435.303 Adjustment of the overall allotment quantity. (a) The... than 85 percent of the estimated quantity of sugar for domestic human consumption for the crop year: (1...

7 CFR 1435.303 - Adjustment of the overall allotment quantity.

Code of Federal Regulations, 2012 CFR

2012-01-01

... CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Flexible Marketing Allotments For Sugar § 1435.303 Adjustment of the overall allotment quantity. (a) The... than 85 percent of the estimated quantity of sugar for domestic human consumption for the crop year: (1...

7 CFR 1435.303 - Adjustment of the overall allotment quantity.

Code of Federal Regulations, 2014 CFR

2014-01-01

... CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Flexible Marketing Allotments For Sugar § 1435.303 Adjustment of the overall allotment quantity. (a) The... than 85 percent of the estimated quantity of sugar for domestic human consumption for the crop year: (1...

7 CFR 1435.303 - Adjustment of the overall allotment quantity.

Code of Federal Regulations, 2011 CFR

2011-01-01

... CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Flexible Marketing Allotments For Sugar § 1435.303 Adjustment of the overall allotment quantity. (a) The... than 85 percent of the estimated quantity of sugar for domestic human consumption for the crop year: (1...

7 CFR 1435.303 - Adjustment of the overall allotment quantity.

Code of Federal Regulations, 2010 CFR

2010-01-01

... CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Flexible Marketing Allotments For Sugar § 1435.303 Adjustment of the overall allotment quantity. (a) The... than 85 percent of the estimated quantity of sugar for domestic human consumption for the crop year: (1...

12 CFR 3.145 - Recognition of credit risk mitigants for securitization exposures.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Recognition of credit risk mitigants for..., but only as provided in this section. (b) Collateral. (1) Rules of recognition. A national bank or... adjusted exposure amount (SE*) to original exposure amount (SE), Where: (i) SE* = max {0, [SE−C × (1−Hs−Hfx...

Credit where It's Due

ERIC Educational Resources Information Center

Lillis, Finbar

2004-01-01

Credit can be used to recognise all kinds of achievements. But there are no short cuts to doing it properly. Perhaps the clever thing to do is to take the best of practice in using credit, to observe closely how credit impacts on the reform of all education in the UK, and learn from these experiences. As the notion of credit gains currency across…

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

PubMed

McCall, Michael; Eckrich, Donald W

2006-06-01

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

Consumer Handbook to Credit Protection Laws.

ERIC Educational Resources Information Center

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

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

The Impact of Letter Grades on Student Effort, Course Selection, and Major Choice: A Regression-Discontinuity Analysis

ERIC Educational Resources Information Center

Main, Joyce B.; Ost, Ben

2014-01-01

The authors apply a regression-discontinuity design to identify the causal impact of letter grades on student effort within a course, subsequent credit hours taken, and the probability of majoring in economics. Their methodology addresses key issues in identifying the causal impact of letter grades: correlation with unobservable factors, such as…

Check the right box. Credits or deductions? The three main presidential candidates take varying stances on adjusting tax code regarding insurance.

PubMed

Blesch, Gregg

2008-04-14

The battle over health reform has a taxing angle, and the debate involves whether tax credits or deductions would work better in relation to health insurance. Some type of credit seems to be favored by the three major candidates. One major facet is how it affects employer-based plans. "It's the third-largest health program in the country, and no one knows about it," says Jonathan Gruber, left, of MIT.

26 CFR 1.1374-6 - Credits and credit carryforwards.

Code of Federal Regulations, 2013 CFR

2013-04-01

... income described in section 55(b)(2). (c) Examples. The rules of this section are illustrated by the... under the rules applying to C corporations. Any other credits or credit carryforwards, such as foreign... 1374 tax are subject to the limitations described in section 38(c) and section 53(c), respectively, as...

26 CFR 1.1374-6 - Credits and credit carryforwards.

Code of Federal Regulations, 2014 CFR

2014-04-01

... income described in section 55(b)(2). (c) Examples. The rules of this section are illustrated by the... under the rules applying to C corporations. Any other credits or credit carryforwards, such as foreign... 1374 tax are subject to the limitations described in section 38(c) and section 53(c), respectively, as...

26 CFR 1.1374-6 - Credits and credit carryforwards.

Code of Federal Regulations, 2012 CFR

2012-04-01

... income described in section 55(b)(2). (c) Examples. The rules of this section are illustrated by the... under the rules applying to C corporations. Any other credits or credit carryforwards, such as foreign... 1374 tax are subject to the limitations described in section 38(c) and section 53(c), respectively, as...

26 CFR 1.1374-6 - Credits and credit carryforwards.

Code of Federal Regulations, 2011 CFR

2011-04-01

... income described in section 55(b)(2). (c) Examples. The rules of this section are illustrated by the... under the rules applying to C corporations. Any other credits or credit carryforwards, such as foreign... 1374 tax are subject to the limitations described in section 38(c) and section 53(c), respectively, as...

Dynamic Virtual Credit Card Numbers

NASA Astrophysics Data System (ADS)

Molloy, Ian; Li, Jiangtao; Li, Ninghui

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

12 CFR 561.12 - Consumer credit.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 614.4530 - Special loans, production credit associations and agricultural credit associations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Special Lending Programs § 614.4530 Special loans, production credit associations and agricultural credit associations. Under policies approved by the bank... associations may make the following special types of loans on commodities covered by price support programs...

Pan-European Grading Scales: Lessons from National Systems and the ECTS. The Bologna Process: Retrospect and Prospects

ERIC Educational Resources Information Center

Karran, Terence

2005-01-01

This article assesses the impact of the Bologna Process on the grading schemes of EU member countries. In light of some problems regarding the implementation of the European Credit Transfer system (ECTS), the author proposes further reforms and offers some elements of a unified grading system for European higher education. The author explores the…

Credit Card Quiz.

ERIC Educational Resources Information Center

Marks, Jeff

2000-01-01

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

Quality of urban forest carbon credits

Treesearch

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

2011-01-01

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

Comment on Geoengineering with seagrasses: is credit due where credit is given?

NASA Astrophysics Data System (ADS)

Oreska, Matthew P. J.; McGlathery, Karen J.; Emmer, Igino M.; Needelman, Brian A.; Emmett-Mattox, Stephen; Crooks, Stephen; Megonigal, J. Patrick; Myers, Doug

2018-03-01

In their recent review, ‘Geoengineering with seagrasses: is credit due where credit is given?,’ Johannessen and Macdonald (2016) invoke the prospect of carbon offset-credit over-allocation by the Verified Carbon Standard as a pretense for their concerns about published seagrass carbon burial rate and global stock estimates. Johannessen and Macdonald (2016) suggest that projects seeking offset-credits under the Verified Carbon Standard methodology VM0033: Methodology for Tidal Wetland and Seagrass Restoration will overestimate long-term (100 yr) sediment organic carbon (SOC) storage because issues affecting carbon burial rates bias storage estimates. These issues warrant serious consideration by the seagrass research community; however, VM0033 does not refer to seagrass SOC ‘burial rates’ or ‘storage.’ Projects seeking credits under VM0033 must document greenhouse gas emission reductions over time, relative to a baseline scenario, in order to receive credits. Projects must also monitor changes in carbon pools, including SOC, to confirm that observed benefits are maintained over time. However, VM0033 allows projects to conservatively underestimate project benefits by citing default values for specific accounting parameters, including CO2 emissions reductions. We therefore acknowledge that carbon crediting methodologies such as VM0033 are sensitive to the quality of the seagrass literature, particularly when permitted default factors are based in part on seagrass burial rates. Literature-derived values should be evaluated based on the concerns raised by Johannessen and Macdonald (2016), but these issues should not lead to credit over-allocation in practice, provided VM0033 is rigorously followed. These issues may, however, affect the feasibility of particular seagrass offset projects.

Invited Commentary: Using Financial Credits as Instrumental Variables for Estimating the Causal Relationship Between Income and Health.

PubMed

Pega, Frank

2016-05-01

Social epidemiologists are interested in determining the causal relationship between income and health. Natural experiments in which individuals or groups receive income randomly or quasi-randomly from financial credits (e.g., tax credits or cash transfers) are increasingly being analyzed using instrumental variable analysis. For example, in this issue of the Journal, Hamad and Rehkopf (Am J Epidemiol. 2016;183(9):775-784) used an in-work tax credit called the Earned Income Tax Credit as an instrument to estimate the association between income and child development. However, under certain conditions, the use of financial credits as instruments could violate 2 key instrumental variable analytic assumptions. First, some financial credits may directly influence health, for example, through increasing a psychological sense of welfare security. Second, financial credits and health may have several unmeasured common causes, such as politics, other social policies, and the motivation to maximize the credit. If epidemiologists pursue such instrumental variable analyses, using the amount of an unconditional, universal credit that an individual or group has received as the instrument may produce the most conceptually convincing and generalizable evidence. However, other natural income experiments (e.g., lottery winnings) and other methods that allow better adjustment for confounding might be more promising approaches for estimating the causal relationship between income and health. © The Author 2016. Published by Oxford University Press on behalf of the Johns Hopkins Bloomberg School of Public Health. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

Issues surrounding the administration of a credit course for medical students: survey of US academic health sciences librarians*

PubMed Central

Miller, Jolene Michelle

2004-01-01

Objectives: For librarians developing a credit course for medical students, the process often involves trial and error. This project identified issues surrounding the administration of a credit course, so that librarians nationally can rely more upon shared knowledge of common practices and less upon trial and error. Methods: A questionnaire was sent to the education services librarian at each medical school listed in the 2000 AAMC Data Book. A second questionnaire was sent to those librarians who did not return the first one. Results: Of the 125 librarians surveyed, 82 returned the questionnaire. Of those 82, only 11 offered a credit course for medical students, though 19 more were in the process of developing one. Data were gathered on the following aspects of course administration: credit course offerings, course listing, information learned to administer the course, costs associated with the course, relationships with other departments on campus, preparation for teaching and grading, and evaluation of the course. Conclusions: Because of small number of respondents offering a credit course and institutional variations, making generalizations about issues surrounding the administration of a credit course is difficult. The article closes with a list of recommendations for librarians planning to develop a course. PMID:15243642

Comparison of answer-until-correct and full-credit assessments in a team-based learning course.

PubMed

Farland, Michelle Z; Barlow, Patrick B; Levi Lancaster, T; Franks, Andrea S

2015-03-25

To assess the impact of awarding partial credit to team assessments on team performance and on quality of team interactions using an answer-until-correct method compared to traditional methods of grading (multiple-choice, full-credit). Subjects were students from 3 different offerings of an ambulatory care elective course, taught using team-based learning. The control group (full-credit) consisted of those enrolled in the course when traditional methods of assessment were used (2 course offerings). The intervention group consisted of those enrolled in the course when answer-until-correct method was used for team assessments (1 course offering). Study outcomes included student performance on individual and team readiness assurance tests (iRATs and tRATs), individual and team final examinations, and student assessment of quality of team interactions using the Team Performance Scale. Eighty-four students enrolled in the courses were included in the analysis (full-credit, n=54; answer-until-correct, n=30). Students who used traditional methods of assessment performed better on iRATs (full-credit mean 88.7 (5.9), answer-until-correct mean 82.8 (10.7), p<0.001). Students who used answer-until-correct method of assessment performed better on the team final examination (full-credit mean 45.8 (1.5), answer-until-correct 47.8 (1.4), p<0.001). There was no significant difference in performance on tRATs and the individual final examination. Students who used the answer-until-correct method had higher quality of team interaction ratings (full-credit 97.1 (9.1), answer-until-correct 103.0 (7.8), p=0.004). Answer-until-correct assessment method compared to traditional, full-credit methods resulted in significantly lower scores for iRATs, similar scores on tRATs and individual final examinations, improved scores on team final examinations, and improved perceptions of the quality of team interactions.

Collective credit allocation in science

PubMed Central

Shen, Hua-Wei; Barabási, Albert-László

2014-01-01

Collaboration among researchers is an essential component of the modern scientific enterprise, playing a particularly important role in multidisciplinary research. However, we continue to wrestle with allocating credit to the coauthors of publications with multiple authors, because the relative contribution of each author is difficult to determine. At the same time, the scientific community runs an informal field-dependent credit allocation process that assigns credit in a collective fashion to each work. Here we develop a credit allocation algorithm that captures the coauthors’ contribution to a publication as perceived by the scientific community, reproducing the informal collective credit allocation of science. We validate the method by identifying the authors of Nobel-winning papers that are credited for the discovery, independent of their positions in the author list. The method can also compare the relative impact of researchers working in the same field, even if they did not publish together. The ability to accurately measure the relative credit of researchers could affect many aspects of credit allocation in science, potentially impacting hiring, funding, and promotion decisions. PMID:25114238

77 FR 76839 - Home Mortgage Disclosure (Regulation C): Adjustment To Asset-Size Exemption Threshold

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-31

...The Bureau of Consumer Financial Protection (Bureau) is publishing a final rule amending the official commentary that interprets the requirements of the Bureau's Regulation C (Home Mortgage Disclosure) to reflect a change in the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). The exemption threshold is adjusted to increase to $42 million from $41 million. The adjustment is based on the 2.23 percent increase in the average of the CPI-W for the 12-month period ending in November 2012. Therefore, banks, savings associations, and credit unions with assets of $42 million or less as of December 31, 2012, are exempt from collecting data in 2013.

78 FR 79285 - Home Mortgage Disclosure (Regulation C): Adjustment to Asset-Size Exemption Threshold

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-30

...The Bureau of Consumer Financial Protection (Bureau) is publishing a final rule amending the official commentary that interprets the requirements of the Bureau's Regulation C (Home Mortgage Disclosure) to reflect a change in the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). The exemption threshold is adjusted to increase to $43 million from $42 million. The adjustment is based on the 1.4 percent increase in the average of the CPI-W for the 12-month period ending in November 2013. Therefore, banks, savings associations, and credit unions with assets of $43 million or less as of December 31, 2013, are exempt from collecting data in 2014.

Student Response to Grading Incentives: Evidence from College Economics Courses

ERIC Educational Resources Information Center

Chulkov, Dmitriy V.

2006-01-01

This paper aims to provide evidence on the response of various student types to the use of simple grading incentives. The results show that while the majority of students expend the effort to complete an assignment for credit, this response is not uniform. Using data from six semesters of college Economics classes, the study demonstrates that…

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

ERIC Educational Resources Information Center

Prasuhn, Frederick Carl

2014-01-01

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

The Impact of Children's Social Adjustment on Academic Outcomes

ERIC Educational Resources Information Center

DeRosier, Melissa E.; Lloyd, Stacey W.

2011-01-01

This study tested whether social adjustment added to the prediction of academic outcomes above and beyond prior academic functioning. Researchers collected school records and peer-, teacher-, and self-report measures for 1,255 third-grade children in the fall and spring of the school year. Measures of social adjustment included social acceptance…

40 CFR 89.207 - Credit calculation.

Code of Federal Regulations, 2014 CFR

2014-07-01

... determining credit availability from all engine families generating credits: Emission credits = (Std−FEL... families requiring credits to offset emissions in excess of the standard: Emission credits = (Std−FEL) × (Volume) × (AvgPR) × (UL) × (10−6) Where: Std = the applicable Tier 1 NOX nonroad engine emission standard...

40 CFR 89.207 - Credit calculation.

Code of Federal Regulations, 2012 CFR

2012-07-01

... determining credit availability from all engine families generating credits: Emission credits = (Std−FEL... families requiring credits to offset emissions in excess of the standard: Emission credits = (Std−FEL) × (Volume) × (AvgPR) × (UL) × (10−6) Where: Std = the applicable Tier 1 NOX nonroad engine emission standard...

40 CFR 89.207 - Credit calculation.

Code of Federal Regulations, 2013 CFR

2013-07-01

... determining credit availability from all engine families generating credits: Emission credits = (Std−FEL... families requiring credits to offset emissions in excess of the standard: Emission credits = (Std−FEL) × (Volume) × (AvgPR) × (UL) × (10−6) Where: Std = the applicable Tier 1 NOX nonroad engine emission standard...

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

ERIC Educational Resources Information Center

Fox, Linda Kirk

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

7 CFR 4280.139 - Credit quality.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 614.4540 - Other financing institution access to Farm Credit Banks and agricultural credit banks for funding...

Code of Federal Regulations, 2010 CFR

2010-01-01

...) Otherwise expose the Farm Credit Bank or agricultural credit bank to safety and soundness risks. (e) Notice... Credit Banks and agricultural credit banks for funding, discount, and other similar financial assistance. 614.4540 Section 614.4540 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN...

The Crisis in Credit and the Rise of Non-Credit

ERIC Educational Resources Information Center

Arena, Meaghan L.

2013-01-01

With institutions of higher education experiencing lower completion rates than our international counterparts and with rising student loan debt, the American higher education system is in crisis. As faculty members and administrators work to solve these growing problems in the credit-bearing side of higher education, the non-credit side is largely…

12 CFR 703.6 - Credit analysis.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Credit analysis. 703.6 Section 703.6 Banks and... ACTIVITIES § 703.6 Credit analysis. A Federal credit union must conduct and document a credit analysis on an... Federal Deposit Insurance Corporation. A Federal credit union must update this analysis at least annually...

12 CFR 703.6 - Credit analysis.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Grades of Severity and the Validation of an Atopic Dermatitis Assessment Measure (ADAM).

ERIC Educational Resources Information Center

Charman, Denise P.; Varigos, George A.

1999-01-01

Studied the validity of the Atopic Dermatitis Assessment Measure (D. Charman and others, 1999) with 171 pediatric patients in Australia using partial credit analyses to produce clinically relevant "word pictures" of grades of severity for atopic dermatitis. Discusses implications for measurement in medicine. (SLD)

Reports on...Credit and Other Financial Issues.

ERIC Educational Resources Information Center

TRW Information Systems and Services, Orange, CA.

This document contains 29 two-page reports on credit, business credit, direct marketing, and real estate data prepared by the credit reporting company, TRW, for consumers. Topics covered are the following: consumer credit reports, how to obtain a copy of a consumer credit report, how credit bureaus compile consumer credit reports, the role of…

Optimizing congestion and emissions via tradable credit charge and reward scheme without initial credit allocations

NASA Astrophysics Data System (ADS)

Zhu, Wenlong; Ma, Shoufeng; Tian, Junfang

2017-01-01

This paper investigates the revenue-neutral tradable credit charge and reward scheme without initial credit allocations that can reassign network traffic flow patterns to optimize congestion and emissions. First, we prove the existence of the proposed schemes and further decentralize the minimum emission flow pattern to user equilibrium. Moreover, we design the solving method of the proposed credit scheme for minimum emission problem. Second, we investigate the revenue-neutral tradable credit charge and reward scheme without initial credit allocations for bi-objectives to obtain the Pareto system optimum flow patterns of congestion and emissions; and present the corresponding solutions are located in the polyhedron constituted by some inequalities and equalities system. Last, numerical example based on a simple traffic network is adopted to obtain the proposed credit schemes and verify they are revenue-neutral.

Credit cues and impression management: a preliminary attempt to explain the credit card effect.

PubMed

McCall, Michael; Trombetta, Jessica; Gipe, Aimee

2004-08-01

Prior research had suggested that individuals would estimate higher product values and even tip more in the presence of credit cues. In the absence of a clear theoretical interpretation of this credit card effect we propose that this tendency is an impression management strategy such that credit cue exposure influences perceptions of the self and focuses attention on individual wealth. Thus, in the presence of others, credit cues serve to enhance images of the self. Preliminary data in support of this alternative theoretical perspective are presented.

Does Adolescents’ Disclosure to their Parents Matter for their Academic Adjustment?

PubMed Central

Cheung, Cecilia Sin-Sze; Pomerantz, Eva M.; Dong, Wei

2012-01-01

The role of adolescents’ disclosure to their parents in their academic adjustment was examined in a study of 825 American and Chinese adolescents (mean age = 12.73 years). Four times over the seventh and eighth grades, adolescents reported on their spontaneous disclosure of everyday activities to their parents, the quality of their relationships with their parents, and their parents’ autonomy support and control. Information about multiple dimensions of adolescents’ academic adjustment (e.g., learning strategies, autonomous vs. controlled motivation, and grades) was also obtained. Both American and Chinese adolescents’ disclosure predicted their enhanced academic adjustment over time. However, when American adolescents disclosed in a negative context (e.g., a poor parent-child relationship or controlling parenting), their autonomous (vs. controlled) motivation was undermined. PMID:23006004

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

ERIC Educational Resources Information Center

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

2010-01-01

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

75 FR 64785 - Corporate Credit Unions

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-20

...NCUA is issuing final amendments to its rule governing corporate credit unions. The major revisions involve corporate credit union capital, investments, asset-liability management, governance, and credit union service organization (CUSO) activities. The amendments establish a new capital scheme, including risk-based capital requirements; impose new prompt corrective action requirements; place various new limits on corporate investments; impose new asset-liability management controls; amend some corporate governance provisions; and limit a corporate CUSO to categories of services preapproved by NCUA. In addition, this rulemaking contains conforming amendments to rules governing Prompt Corrective Action (for natural person credit unions); Investments and Deposit Activities (for federal credit unions); Administrative Actions, Adjudicative Hearings, Rules of Practice and Procedure, and Investigations; and Involuntary Liquidation of Federal Credit Unions and Adjudication of Creditor Claims Involving Federally Insured Credit Unions. These amendments will strengthen individual corporates and the corporate credit union system as a whole.

12 CFR 619.9020 - Agricultural credit banks.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Agricultural credit banks. 619.9020 Section 619.9020 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9020 Agricultural credit banks. Agricultural credit banks are those banks created by the merger of a Farm Credit...

12 CFR 619.9020 - Agricultural credit banks.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

13 CFR 120.390 - Revolving credit.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false Revolving credit. 120.390 Section 120.390 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Caplines Program § 120.390 Revolving credit. (a) CapLines finances eligible small businesses...

13 CFR 120.390 - Revolving credit.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Revolving credit. 120.390 Section 120.390 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Caplines Program § 120.390 Revolving credit. (a) CapLines finances eligible small businesses...

13 CFR 120.390 - Revolving credit.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false Revolving credit. 120.390 Section 120.390 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Caplines Program § 120.390 Revolving credit. (a) CapLines finances eligible small businesses...

13 CFR 120.390 - Revolving credit.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Revolving credit. 120.390 Section 120.390 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Caplines Program § 120.390 Revolving credit. (a) CapLines finances eligible small businesses...

13 CFR 120.390 - Revolving credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false Revolving credit. 120.390 Section 120.390 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Caplines Program § 120.390 Revolving credit. (a) CapLines finances eligible small businesses...

Limited take-up of health coverage tax credits: a challenge to future tax credit design.

PubMed

Dorn, Stan; Varon, Janet; Pervez, Fouad

2005-10-01

The Trade Act of 2002 created federal tax credits to subsidize health coverage for certain early retirees and workers displaced by international trade. Though small, this program offers the opportunity to learn how to design future tax credits for larger groups of uninsured. During September 2004, the most recent month for which there are data about all forms of Trade Act credits, roughly 22 percent of eligible individuals received credits. The authors find that health insurance tax credits are more likely to reach their target populations if such credits: 1) limit premium costs for the low-income uninsured and do not require full premium payments while applications are pending; 2) provide access to coverage that beneficiaries value, including care for preexisting conditions; 3) are combined with outreach that uses easily understandable, multilingual materials and proactive enrollment efforts; and 4) feature a simple application process involving one form filed with one agency.

12 CFR 614.4125 - Funding and discount relationships between Farm Credit Banks or agricultural credit banks and...

Code of Federal Regulations, 2010 CFR

2010-01-01

..., Risk Management, Farm Credit System Insurance Corporation. (f) A direct lender association shall... Administration office that the Chief Examiner designates, and the Director, Risk Management, Farm Credit System... Credit Banks or agricultural credit banks and direct lender associations. 614.4125 Section 614.4125 Banks...

Woodworking: Grades 7-12.

ERIC Educational Resources Information Center

Instructional Objectives Exchange, Los Angeles, CA.

The woodworking collection is composed of 55 objectives and related evaluation items for use in grades 7 through 12. Each sample contains the objective, test items, and criteria for judging the adequacy of the response. Woodworking categories being measured include sharpening, adjusting, using and caring for tools; reading a working drawing; stock…

Follow Up: Credit Card Caution

ERIC Educational Resources Information Center

Cahill, Timothy P.

2007-01-01

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

Credit Scores, Race, and Residential Sorting

ERIC Educational Resources Information Center

Nelson, Ashlyn Aiko

2010-01-01

Credit scores have a profound impact on home purchasing power and mortgage pricing, yet little is known about how credit scores influence households' residential location decisions. This study estimates the effects of credit scores on residential sorting behavior using a novel mortgage industry data set combining household demographic, credit, and…

76 FR 79531 - Corporate Credit Unions

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-22

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

49 CFR 260.13 - Credit reform.

Code of Federal Regulations, 2010 CFR

2010-10-01

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

Author Credit for Transdisciplinary Collaboration

PubMed Central

Xu, Jian; Ding, Ying; Malic, Vincent

2015-01-01

Transdisciplinary collaboration is the key for innovation. An evaluation mechanism is necessary to ensure that academic credit for this costly process can be allocated fairly among coauthors. This paper proposes a set of quantitative measures (e.g., t_credit and t_index) to reflect authors’ transdisciplinary contributions to publications. These measures are based on paper-topic probability distributions and author-topic probability distributions. We conduct an empirical analysis of the information retrieval domain which demonstrates that these measures effectively improve the results of harmonic_credit and h_index measures by taking into account the transdisciplinary contributions of authors. The definitions of t_credit and t_index provide a fair and effective way for research organizations to assign credit to authors of transdisciplinary publications. PMID:26375678

12 CFR 704.6 - Credit risk management.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.6 Credit risk management. (a) Policies. A corporate credit union must operate... transaction counterparty, set as a percentage of capital. In addition to addressing deposits and securities...

12 CFR 704.6 - Credit risk management.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.6 Credit risk management. (a) Policies. A corporate credit union must operate... transaction counterparty, set as a percentage of capital. In addition to addressing deposits and securities...

12 CFR 704.6 - Credit risk management.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.6 Credit risk management. (a) Policies. A corporate credit union must operate... transaction counterparty, set as a percentage of capital. In addition to addressing deposits and securities...

12 CFR 704.6 - Credit risk management.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.6 Credit risk management. (a) Policies. A corporate credit union must operate... transaction counterparty, set as a percentage of capital. In addition to addressing deposits and securities...

12 CFR 561.12 - Consumer credit.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Consumer credit. 561.12 Section 561.12 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.12 Consumer credit. The term consumer credit means credit extended... real estate and chattel liens secured by mobile homes and leases of personal property to consumers that...

Your Credit Rights: An Instructional Unit on Consumer Credit Protection. Revised.

ERIC Educational Resources Information Center

Jensen, Barbara J.; And Others

This instructional guide adds two new sections to the original guide published in May 1982. The guide was designed to assist educators in teaching the topics of consumer credit and consumer credit protection to secondary and postsecondary students in various economics and business courses, as well as in adult and community education courses. The…

12 CFR 614.4720 - Letters of credit.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Banks for Cooperatives and Agricultural Credit Banks Financing International Trade § 614.4720 Letters of credit. Banks for cooperatives and agricultural credit banks, under policies adopted by their boards of directors...

Optimal replenishment and credit policy in supply chain inventory model under two levels of trade credit with time- and credit-sensitive demand involving default risk

NASA Astrophysics Data System (ADS)

Mahata, Puspita; Mahata, Gour Chandra; Kumar De, Sujit

2018-03-01

Traditional supply chain inventory modes with trade credit usually only assumed that the up-stream suppliers offered the down-stream retailers a fixed credit period. However, in practice the retailers will also provide a credit period to customers to promote the market competition. In this paper, we formulate an optimal supply chain inventory model under two levels of trade credit policy with default risk consideration. Here, the demand is assumed to be credit-sensitive and increasing function of time. The major objective is to determine the retailer's optimal credit period and cycle time such that the total profit per unit time is maximized. The existence and uniqueness of the optimal solution to the presented model are examined, and an easy method is also shown to find the optimal inventory policies of the considered problem. Finally, numerical examples and sensitive analysis are presented to illustrate the developed model and to provide some managerial insights.

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

ERIC Educational Resources Information Center

Pathak, Arohi; Keenan, Nancy

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

Traveling with Eighth-Grade Students to Learn about State and Local History

ERIC Educational Resources Information Center

Morris, Ronald V.

2016-01-01

Eighth-grade students from three school districts in three small towns in Crosby County, Texas, received academic credit for working together with the biannual Crosby County Pioneer Memorial Museum summer travel education program. Each of the three districts radiate from a small town. They were within one county, and the museum was located in the…

Forecasting the value of credit scoring

NASA Astrophysics Data System (ADS)

Saad, Shakila; Ahmad, Noryati; Jaffar, Maheran Mohd

2017-08-01

Nowadays, credit scoring system plays an important role in banking sector. This process is important in assessing the creditworthiness of customers requesting credit from banks or other financial institutions. Usually, the credit scoring is used when customers send the application for credit facilities. Based on the score from credit scoring, bank will be able to segregate the "good" clients from "bad" clients. However, in most cases the score is useful at that specific time only and cannot be used to forecast the credit worthiness of the same applicant after that. Hence, bank will not know if "good" clients will always be good all the time or "bad" clients may become "good" clients after certain time. To fill up the gap, this study proposes an equation to forecast the credit scoring of the potential borrowers at a certain time by using the historical score related to the assumption. The Mean Absolute Percentage Error (MAPE) is used to measure the accuracy of the forecast scoring. Result shows the forecast scoring is highly accurate as compared to actual credit scoring.

Adjustment Problems and Multiple Intelligences among Gifted Students in Hong Kong: The Development of the Revised Student Adjustment Problems Inventory.

ERIC Educational Resources Information Center

Chan, David W.

2003-01-01

A study involving 639 Chinese gifted students (grades 4-12) found that intense emotional involvement, perfectionism, unchallenging schoolwork, multipotentiality, and parental expectations were relatively common adjustment problems. Poor interpersonal relationships were not. Results also indicated that conventional intelligence increased…

12 CFR 619.9015 - Agricultural credit associations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit associations. 619.9015 Section 619.9015 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9015 Agricultural credit associations. Agricultural credit associations are associations created by the merger of...

Credit Constraints for Higher Education

ERIC Educational Resources Information Center

Solis, Alex

2012-01-01

This paper exploits a natural experiment that produces exogenous variation on credit access to determine the effect on college enrollment. The paper assess how important are credit constraints to explain the gap in college enrollment by family income, and what would be the gap if credit constraints are eliminated. Progress in college and dropout…

12 CFR 614.4720 - Letters of credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Letters of credit. 614.4720 Section 614.4720 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Banks for Cooperatives and Agricultural Credit Banks Financing International Trade § 614.4720 Letters of credit. Banks...

12 CFR 704.6 - Credit risk management.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit risk management. 704.6 Section 704.6... CREDIT UNIONS § 704.6 Credit risk management. (a) Policies. A corporate credit union must operate according to a credit risk management policy that is commensurate with the investment risks and activities...

Seeking Good Credit--And Keeping It

ERIC Educational Resources Information Center

Fraser, Katie

2007-01-01

Young people often have their first brush with credit when they leave home to start work or enter college. It is important to teach students about credit early, before they turn 18 and become eligible to sign up for credit cards in their own name. Credit poses risks for the unwary, and many young people get burned. They may pay high annual…

Academic adjustment across middle school: the role of public regard and parenting.

PubMed

McGill, Rebecca Kang; Hughes, Diane; Alicea, Stacey; Way, Niobe

2012-07-01

In the current longitudinal study, we examined associations between Black and Latino youths' perceptions of the public's opinion of their racial/ethnic group (i.e., public regard) and changes in academic adjustment outcomes across middle school. We also tested combinations of racial/ethnic socialization and parent involvement in academic activities as moderators of this association. We used a 2nd-order latent trajectory model to test changes in academic adjustment outcomes in a sample of 345 Black and Latino urban youth across 6th, 7th, and 8th grades (51% female). Results revealed a significant average linear decline in academic adjustment from 6th to 8th grade, as well as significant variation around this decline. We found that parenting moderated the association between public regard and the latent trajectory of academic adjustment. Specifically, for youth who reported high racial/ethnic socialization and low parent academic involvement, lower public regard predicted lower academic adjustment in 6th grade. For youth who reported both low racial/ethnic socialization and low parent academic involvement, lower public regard predicted a steeper decline in academic adjustment over time. Finally, among youth who reported high racial/ethnic socialization and high parent academic involvement, public regard was not associated with either the intercept or the slope of academic adjustment. Thus, the combination of high racial/ethnic socialization and parent academic involvement may protect youths' academic motivation and performance from the negative effects of believing the public has low opinions of one's racial/ethnic group. Implications for protecting Black and Latino youths' academic outcomes from decline during middle school are discussed.

12 CFR 619.9145 - Farm Credit Bank.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 619.9145 - Farm Credit Bank.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Farm Credit Bank. 619.9145 Section 619.9145 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9145 Farm Credit Bank. The term Farm Credit Bank refers to a bank resulting from the mandatory merger of the Federal land...

The Tax Credit Debate

ERIC Educational Resources Information Center

McNamara, William

1978-01-01

The controversy between tuition tax credit and the Carter Administration's proposed tuition grants is examined. Opposition to the tax credit plan from various sources is discussed, as well as its advocates' contention that it would help middle-income college students. (LBH)

Early childhood precursors and adolescent sequelae of grade school peer rejection and victimization.

PubMed

Bierman, Karen L; Kalvin, Carla B; Heinrichs, Brenda S

2015-01-01

This study examined the early childhood precursors and adolescent outcomes associated with grade school peer rejection and victimization among children oversampled for aggressive-disruptive behaviors. A central goal was to better understand the common and unique developmental correlates associated with these two types of peer adversity. There were 754 participants (46% African American, 50% European American, 4% other; 58% male; average age=5.65 at kindergarten entry) followed into seventh grade. Six waves of data were included in structural models focused on three developmental periods. Parents and teachers rated aggressive behavior, emotion dysregulation, and internalizing problems in kindergarten and Grade 1 (Waves 1-2); peer sociometric nominations tracked "least liked" and victimization in Grades 2, 3, and 4 (Waves 3-5); and youth reported on social problems, depressed mood, school adjustment difficulties, and delinquent activities in early adolescence (Grade 7, Wave 6). Structural models revealed that early aggression and emotion dysregulation (but not internalizing behavior) made unique contributions to grade school peer rejection; only emotion dysregulation made unique contributions to grade school victimization. Early internalizing problems and grade school victimization uniquely predicted adolescent social problems and depressed mood. Early aggression and grade school peer rejection uniquely predicted adolescent school adjustment difficulties and delinquent activities. Aggression and emotion dysregulation at school entry increased risk for peer rejection and victimization, and these two types of peer adversity had distinct as well as shared risk and adjustment correlates. Results suggest that the emotional functioning and peer experiences of aggressive-disruptive children deserve further attention in developmental and clinical research.

What New and Adjunct Faculty Need to Know about Exams, Grades, and Cheating

ERIC Educational Resources Information Center

Berschback, Rick

2011-01-01

College professors often regard their time in the classroom fulfilling and rewarding; the chance to affect the academic and professional development of their students is most likely a key reason why they chose to be professional educators. Unfortunately, with college courses come college credits, which necessitate a course grade for each student,…

Classification of debtor credit status and determination amount of credit risk by using linier discriminant function

NASA Astrophysics Data System (ADS)

Aidi, Muhammad Nur; Sari, Resty Indah

2012-05-01

A decision of credit that given by bank or another creditur must have a risk and it called credit risk. Credit risk is an investor's risk of loss arising from a borrower who does not make payments as promised. The substantial of credit risk can lead to losses for the banks and the debtor. To minimize this problem need a further study to identify a potential new customer before the decision given. Identification of debtor can using various approaches analysis, one of them is by using discriminant analysis. Discriminant analysis in this study are used to classify whether belonging to the debtor's good credit or bad credit. The result of this study are two discriminant functions that can identify new debtor. Before step built the discriminant function, selection of explanatory variables should be done. Purpose of selection independent variable is to choose the variable that can discriminate the group maximally. Selection variables in this study using different test, for categoric variable selection of variable using proportion chi-square test, and stepwise discriminant for numeric variable. The result of this study are two discriminant functions that can identify new debtor. The selected variables that can discriminating two groups of debtor maximally are status of existing checking account, credit history, credit amount, installment rate in percentage of disposable income, sex, age in year, other installment plans, and number of people being liable to provide maintenance. This classification produce a classification accuracy rate is good enough, that is equal to 74,70%. Debtor classification using discriminant analysis has risk level that is small enough, and it ranged beetwen 14,992% and 17,608%. Based on that credit risk rate, using discriminant analysis on the classification of credit status can be used effectively.

Comparison of Affective Credit Attitude Scores and Credit Use of College Students at Two Points in Time.

ERIC Educational Resources Information Center

Hayhoe, Celia Ray

2002-01-01

A study of 120 college students' use of credit in 1997 and 1999 showed that, during that time, 60 students graduated; 41 had more credit cards in 1999 than 1997; 62 had fewer; and 32 were repaying student loans. Affective credit attitude scores for those with four or more credit cards and for students who had graduated were lower in 1999 than in…

Mixed-grade rejection and its association with overt aggression, relational aggression, anxious-withdrawal, and psychological maladjustment.

PubMed

Bowker, Julie C; Etkin, Rebecca G

2014-01-01

The authors examined the associations between mixed-grade rejection (rejection by peers in a different school grade), anxious-withdrawal, aggression, and psychological adjustment in a middle school setting. Participants were 181 seventh-grade and 180 eighth-grade students (M age = 13.20 years, SD = 0.68 years) who completed peer nomination and self-report measures in their classes. Analyses indicated that in general, same- and mixed-grade rejection were related to overt and relational aggression, but neither type was related to anxious-withdrawal. Mixed-grade rejection was associated uniquely and negatively with self-esteem for seventh-grade boys, while increasing the loneliness associated with anxious-withdrawal. The results suggest that school-wide models of peer relations may be promising for understanding the ways in which different peer contexts contribute to adjustment in middle school settings.

12 CFR 619.9140 - Farm Credit bank(s).

Code of Federal Regulations, 2010 CFR

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...

12 CFR 619.9140 - Farm Credit bank(s).

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 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...

Nitrogen credits after peanut

USDA-ARS?s Scientific Manuscript database

Cooperative Extension throughout the Southeast currently recommends 22-67 kg N/ha credit to subsequent crops following peanut. However, these values are not supported in the peer-reviewed literature. Most of the peer-reviewed literature has shown that N credits to subsequent crops are negligible. Da...

Using Marginal Structural Modeling to Estimate the Cumulative Impact of an Unconditional Tax Credit on Self-Rated Health.

PubMed

Pega, Frank; Blakely, Tony; Glymour, M Maria; Carter, Kristie N; Kawachi, Ichiro

2016-02-15

In previous studies, researchers estimated short-term relationships between financial credits and health outcomes using conventional regression analyses, but they did not account for time-varying confounders affected by prior treatment (CAPTs) or the credits' cumulative impacts over time. In this study, we examined the association between total number of years of receiving New Zealand's Family Tax Credit (FTC) and self-rated health (SRH) in 6,900 working-age parents using 7 waves of New Zealand longitudinal data (2002-2009). We conducted conventional linear regression analyses, both unadjusted and adjusted for time-invariant and time-varying confounders measured at baseline, and fitted marginal structural models (MSMs) that more fully adjusted for confounders, including CAPTs. Of all participants, 5.1%-6.8% received the FTC for 1-3 years and 1.8%-3.6% for 4-7 years. In unadjusted and adjusted conventional regression analyses, each additional year of receiving the FTC was associated with 0.033 (95% confidence interval (CI): -0.047, -0.019) and 0.026 (95% CI: -0.041, -0.010) units worse SRH (on a 5-unit scale). In the MSMs, the average causal treatment effect also reflected a small decrease in SRH (unstabilized weights: β = -0.039 unit, 95% CI: -0.058, -0.020; stabilized weights: β = -0.031 unit, 95% CI: -0.050, -0.007). Cumulatively receiving the FTC marginally reduced SRH. Conventional regression analyses and MSMs produced similar estimates, suggesting little bias from CAPTs. © The Author 2016. Published by Oxford University Press on behalf of the Johns Hopkins Bloomberg School of Public Health. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

Rating climate risks to credit worthiness

NASA Astrophysics Data System (ADS)

Mathiesen, Karl

2018-06-01

Credit ratings agencies are now accounting for climate change risks in their ratings of credit worthiness. This could incentivize climate risk reduction efforts if it allows organizations access to cheaper credit. Karl Mathiesen investigates the extent to which this is happening in practice.

24 CFR 206.37 - Credit standing.

Code of Federal Regulations, 2010 CFR

2010-04-01

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

Parenting Practices, Child Adjustment, and Family Diversity.

ERIC Educational Resources Information Center

Amato, Paul R.; Fowler, Frieda

2002-01-01

Uses data from the National Survey of Families and Households to test the generality of the links between parenting practices and child outcomes. Parents' reports of support, monitoring, and harsh punishment were associated in the expected direction with parents' reports of children's adjustment, school grades, and behavior problems, and with…

Credit Constraints in Education

ERIC Educational Resources Information Center

Lochner, Lance; Monge-Naranjo, Alexander

2012-01-01

We review studies of the impact of credit constraints on the accumulation of human capital. Evidence suggests that credit constraints have recently become important for schooling and other aspects of households' behavior. We highlight the importance of early childhood investments, as their response largely determines the impact of credit…

20 CFR 211.14 - Maximum creditable compensation.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Maximum creditable compensation. 211.14... CREDITABLE RAILROAD COMPENSATION § 211.14 Maximum creditable compensation. Maximum creditable compensation for calendar years after 1984 is the maximum annual taxable wage base defined in section 3231(e)(2)(B...

The association between school exam grades and subsequent development of bipolar disorder.

PubMed

Pedersen, Steffie Damgaard; Østergaard, Søren Dinesen; Petersen, Liselotte

2018-03-13

Prior studies have indicated that both high and low school grades are associated with development of bipolar disorder (BD), but these studies have not adjusted for parental history of mental disorder, which is a likely confounder. Furthermore, the association between school grades and bipolar I disorder (BD-I) has not been studied. Therefore, we aimed to study the association between school exam grades and subsequent development of BD and BD-I while adjusting for parental history of mental disorder. We conducted a register-based nationwide cohort study following 505 688 individuals born in Denmark between 1987 and 1995. We investigated the association between school exam grades and development of BD or BD-I with a Cox model adjusting for family history of mental disorder and other potential confounders. During follow-up, 900 individuals were diagnosed with BD and 277 of these with BD-I. The risk for BD and BD-I was significantly increased for individuals not having completed the exams at term [adjusted hazard ratio (aHR) for BD (aHR=1.71, 95% CI: 1.43-2.04) and for BD-I (aHR=1.57, 95% CI: 1.13-2.19)]. Also, having low exam grades in mathematics was associated with increased risk of both BD (aHR=2.41, 95% CI: 1.27-4.59) and BD-I (aHR=2.71, 95% CI: 1.41-5.21). Females with very high exam grades in Danish (percentile group>97.7) had a significantly increased risk of BD-I (aHR=2.49, 95% CI: 1.19-5.23). The potential to develop BD seems to affect the school results of individuals negatively even before BD is diagnosed - with females having the potential to develop BD-I as a possible exception.

12 CFR 614.4000 - Farm Credit Banks.

Code of Federal Regulations, 2010 CFR

2010-01-01

... institutions. (3) Farm Credit Banks, in their capacity as certified agricultural mortgage marketing facilities... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Banks. 614.4000 Section 614.4000 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending...

Measurement of Online Student Engagement: Utilization of Continuous Online Student Behavior Indicators as Items in a Partial Credit Rasch Model

ERIC Educational Resources Information Center

Anderson, Elizabeth

2017-01-01

Student engagement has been shown to be essential to the development of research-based best practices for K-12 education. It has been defined and measured in numerous ways. The purpose of this research study was to develop a measure of online student engagement for grades 3 through 8 using a partial credit Rasch model and validate the measure…

A Mechanism for Anonymous Credit Card Systems

NASA Astrophysics Data System (ADS)

Tamura, Shinsuke; Yanase, Tatsuro

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

10 CFR 490.502 - Creditable actions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 10 Energy 3 2012-01-01 2012-01-01 false Creditable actions. 490.502 Section 490.502 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle Credit Program § 490.502 Creditable actions. A fleet or covered person becomes entitled to alternative...

10 CFR 490.502 - Creditable actions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 10 Energy 3 2011-01-01 2011-01-01 false Creditable actions. 490.502 Section 490.502 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle Credit Program § 490.502 Creditable actions. A fleet or covered person becomes entitled to alternative...

10 CFR 490.502 - Creditable actions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 10 Energy 3 2014-01-01 2014-01-01 false Creditable actions. 490.502 Section 490.502 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle Credit Program § 490.502 Creditable actions. A fleet or covered person becomes entitled to alternative...

10 CFR 490.502 - Creditable actions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 10 Energy 3 2013-01-01 2013-01-01 false Creditable actions. 490.502 Section 490.502 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle Credit Program § 490.502 Creditable actions. A fleet or covered person becomes entitled to alternative...

10 CFR 490.502 - Creditable actions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 10 Energy 3 2010-01-01 2010-01-01 false Creditable actions. 490.502 Section 490.502 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle Credit Program § 490.502 Creditable actions. A fleet or covered person becomes entitled to alternative...

12 CFR 614.4010 - Agricultural credit banks.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Agricultural credit banks. 614.4010 Section 614.4010 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4010 Agricultural credit banks. (a) Long-term real estate lending. Except to the...

20 CFR 606.2 - Total credits allowable.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Total credits allowable. 606.2 Section 606.2 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR TAX CREDITS UNDER THE... credits allowable. The total credits allowed to an employer subject to the tax imposed by section 3301 of...

12 CFR 614.4010 - Agricultural credit banks.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit banks. 614.4010 Section 614.4010 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4010 Agricultural credit banks. (a) Long-term real estate lending. Except to the...

Navigating Middle Grades: Role of School Context in Students' Social Adaptation and Experiences

ERIC Educational Resources Information Center

Kim, Ha Yeon; Schwartz, Kate; Cappella, Elise; Seidman, Edward

2014-01-01

Informed by the current literature, this study examines social contexts across middle grade schools with different grade span configurations. In doing so, the authors aim to build understanding of where and how to target interventions in the middle grades to enhance maintenance of social-emotional adjustment and experiences from middle childhood…

Efficacy of Online Algebra I for Credit Recovery for At-Risk Ninth Graders: Consistency of Results from Two Cohorts

ERIC Educational Resources Information Center

Heppen, Jessica; Sorensen, Nicholas; Allensworth, Elaine; Walters, Kirk; Stachel, Suzanne; Michelman, Valerie

2012-01-01

The consequences of failing core academic courses during the first year of high school are dire. In the Chicago Public Schools (CPS), only about one-fifth of off-track freshmen--students who fail more than one semester of a core academic course and/or fail to earn enough credits to be promoted to 10th grade--graduate high school, compared with…

76 FR 11164 - Removing References to Credit Ratings in Regulations; Proposing Alternatives to the Use of Credit...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-01

... of the regulations governing the investment activities of natural person Federal credit unions (FCUs..., investment activities, and capital risk-weighting of corporate credit unions. 12 CFR part 704. There is also... regulations. For investments, the proposal generally replaces the minimum credit rating requirement with a...

12 CFR 614.4000 - Farm Credit Banks.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Farm Credit Banks. 614.4000 Section 614.4000 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4000 Farm Credit Banks. (a) Long-term real estate lending. Except to the extent such...

47 CFR 97.505 - Element credit.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 47 Telecommunication 5 2014-10-01 2014-10-01 false Element credit. 97.505 Section 97.505... SERVICE Qualifying Examination Systems § 97.505 Element credit. (a) The administering VEs must give credit... Not applicable Elements 3 and 4. (2) Advanced; General; or Technician granted before March 21, 1987...

20 CFR 227.5 - Employer tax credits.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Employer tax credits. 227.5 Section 227.5... SUPPLEMENTAL ANNUITIES § 227.5 Employer tax credits. Employers are entitled to tax credits if they pay non.... The tax credits for each month equal the sum of the reductions for employer pensions in the...

48 CFR 1632.607 - Tax credit.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 48 Federal Acquisition Regulations System 6 2011-10-01 2011-10-01 false Tax credit. 1632.607... 1632.607 Tax credit. FAR 32.607 has no practical application to FEHBP contracts. The statutory... may not offset debts to the Fund by a tax credit which is solely a Government obligation. ...

40 CFR 91.1307 - Credit calculation.

Code of Federal Regulations, 2010 CFR

2010-07-01

....1307 Credit calculation. For each participating engine family, emission credits (positive or negative..., to the nearest gram. ASTM E29-93a has been incorporated by reference. See § 91.6. Consistent units... for an engine family whether generating positive or negative in-use emission credits: ER04oc96.053...

47 CFR 97.505 - Element credit.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 47 Telecommunication 5 2011-10-01 2011-10-01 false Element credit. 97.505 Section 97.505... SERVICE Qualifying Examination Systems § 97.505 Element credit. (a) The administering VEs must give credit... operator license grant: Elements 2 and 3. (2) An unexpired (or expired but within the grace period for...

47 CFR 97.505 - Element credit.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 47 Telecommunication 5 2013-10-01 2013-10-01 false Element credit. 97.505 Section 97.505... SERVICE Qualifying Examination Systems § 97.505 Element credit. (a) The administering VEs must give credit... operator license grant: Elements 2 and 3. (2) An unexpired (or expired but within the grace period for...

47 CFR 97.505 - Element credit.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 47 Telecommunication 5 2012-10-01 2012-10-01 false Element credit. 97.505 Section 97.505... SERVICE Qualifying Examination Systems § 97.505 Element credit. (a) The administering VEs must give credit... operator license grant: Elements 2 and 3. (2) An unexpired (or expired but within the grace period for...

76 FR 34010 - Credit Risk Retention

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-10

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

48 CFR 1632.607 - Tax credit.

Code of Federal Regulations, 2010 CFR

2010-10-01

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

7 CFR 3565.211 - Interest credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 15 2012-01-01 2012-01-01 false Interest credit. 3565.211 Section 3565.211... AGRICULTURE GUARANTEED RURAL RENTAL HOUSING PROGRAM Loan Requirements § 3565.211 Interest credit. (a... assistance in the form of interest credit, to the extent necessary to reduce the agreed-upon rate of interest...

7 CFR 3565.211 - Interest credit.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Interest credit. 3565.211 Section 3565.211... AGRICULTURE GUARANTEED RURAL RENTAL HOUSING PROGRAM Loan Requirements § 3565.211 Interest credit. (a... assistance in the form of interest credit, to the extent necessary to reduce the agreed-upon rate of interest...

7 CFR 3565.211 - Interest credit.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 15 2013-01-01 2013-01-01 false Interest credit. 3565.211 Section 3565.211... AGRICULTURE GUARANTEED RURAL RENTAL HOUSING PROGRAM Loan Requirements § 3565.211 Interest credit. (a... assistance in the form of interest credit, to the extent necessary to reduce the agreed-upon rate of interest...

Efficacy of Online Algebra I for Credit Recovery for At-Risk Ninth Grade Students: Evidence from Year 1

ERIC Educational Resources Information Center

Heppen, Jessica; Allensworth, Elaine; Walters, Kirk; Pareja, Amber Stitziel; Kurki, Anja; Nomi, Takako; Sorensen, Nicholas

2012-01-01

This study is an efficacy trial funded by a grant from the Institute of Education Sciences (IES) National Center for Education Research (NCER). Fifteen CPS high schools are receiving funding to implement two Algebra I credit recovery courses during the summer sessions of 2011 and 2012--one online and one face-to-face (f2f). These courses allow…

Cracking the Credit Hour

ERIC Educational Resources Information Center

Laitinen, Amy

2012-01-01

The basic currency of higher education--the credit hour--represents the root of many problems plaguing America's higher education system: the practice of measuring time rather than learning. "Cracking the Credit Hour" traces the history of this time-based unit, from the days of Andrew Carnegie to recent federal efforts to define a credit…

12 CFR 702.108 - Risk mitigation credit.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Risk mitigation credit. 702.108 Section 702.108... CORRECTIVE ACTION Net Worth Classification § 702.108 Risk mitigation credit. (a) Who may apply. A credit union may apply for a risk mitigation credit if on any of the current or three preceding effective dates...

12 CFR 702.108 - Risk mitigation credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Risk mitigation credit. 702.108 Section 702.108... CORRECTIVE ACTION Net Worth Classification § 702.108 Risk mitigation credit. (a) Who may apply. A credit union may apply for a risk mitigation credit if on any of the current or three preceding effective dates...

12 CFR 702.108 - Risk mitigation credit.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Risk mitigation credit. 702.108 Section 702.108... CORRECTIVE ACTION Net Worth Classification § 702.108 Risk mitigation credit. (a) Who may apply. A credit union may apply for a risk mitigation credit if on any of the current or three preceding effective dates...

12 CFR 702.108 - Risk mitigation credit.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Risk mitigation credit. 702.108 Section 702.108... CORRECTIVE ACTION Net Worth Classification § 702.108 Risk mitigation credit. (a) Who may apply. A credit union may apply for a risk mitigation credit if on any of the current or three preceding effective dates...

12 CFR 702.108 - Risk mitigation credit.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Risk mitigation credit. 702.108 Section 702.108... CORRECTIVE ACTION Net Worth Classification § 702.108 Risk mitigation credit. (a) Who may apply. A credit union may apply for a risk mitigation credit if on any of the current or three preceding effective dates...

11 CFR 100.55 - Extension of credit.

Code of Federal Regulations, 2010 CFR

2010-01-01

... substantially similar to extensions of credit to nonpolitical debtors that are of similar risk and size of... 11 Federal Elections 1 2010-01-01 2010-01-01 false Extension of credit. 100.55 Section 100.55... Contribution (2 U.S.C. 431(8)) § 100.55 Extension of credit. The extension of credit by any person is a...

48 CFR 2132.607 - Tax credit.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 48 Federal Acquisition Regulations System 6 2011-10-01 2011-10-01 false Tax credit. 2132.607... Contract Debts 2132.607 Tax credit. FAR 32.607 has no practical application to FEGLI Program contracts. The... Government, contractors may not offset debts to the Fund by a tax credit that is solely a Government...

48 CFR 31.201-5 - Credits.

Code of Federal Regulations, 2010 CFR

2010-10-01

... REQUIREMENTS CONTRACT COST PRINCIPLES AND PROCEDURES Contracts With Commercial Organizations 31.201-5 Credits... cost and received by or accruing to the contractor shall be credited to the Government either as a cost reduction or by cash refund. See 31.205-6(j)(3) for rules governing refund or credit to the Government...

49 CFR 1325.2 - Credit agreements.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 49 Transportation 9 2012-10-01 2012-10-01 false Credit agreements. 1325.2 Section 1325.2... FEDERAL OFFICE OR THEIR REPRESENTATIVES § 1325.2 Credit agreements. (a) All agreements to extend credit to... parties to the agreement. A copy of each such agreement must be filed with this Board's Bureau of...

49 CFR 1325.2 - Credit agreements.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 49 Transportation 9 2010-10-01 2010-10-01 false Credit agreements. 1325.2 Section 1325.2... FEDERAL OFFICE OR THEIR REPRESENTATIVES § 1325.2 Credit agreements. (a) All agreements to extend credit to... parties to the agreement. A copy of each such agreement must be filed with this Board's Bureau of...

48 CFR 2132.607 - Tax credit.

Code of Federal Regulations, 2010 CFR

2010-10-01

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

26 CFR 1.41-8 - Alternative incremental credit.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Alternative incremental credit. 1.41-8 Section 1... Credits Against Tax § 1.41-8 Alternative incremental credit. (a) Determination of credit. At the election... alternative incremental research credit (AIRC) in section 41(c)(4) for any taxable year of the taxpayer...

12 CFR 1026.12 - Special credit card provisions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Special credit card provisions. 1026.12 Section...-End Credit § 1026.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including business, commercial, or agricultural use, no...

12 CFR 1026.12 - Special credit card provisions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 9 2014-01-01 2014-01-01 false Special credit card provisions. 1026.12 Section...-End Credit § 1026.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including business, commercial, or agricultural use, no...

12 CFR 1026.12 - Special credit card provisions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Special credit card provisions. 1026.12 Section...-End Credit § 1026.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including business, commercial, or agricultural use, no...

12 CFR 704.3 - Corporate credit union capital.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Corporate credit union capital. 704.3 Section... CORPORATE CREDIT UNIONS § 704.3 Corporate credit union capital. (a) Capital plan. A corporate credit union... activities, and the periodic review and reassessment of the capital position of the corporate credit union...

Tax Credits for Education.

ERIC Educational Resources Information Center

Maxwell, James A.; And Others

This report is comprised of two separate papers, "A Tax Credit for Certain Educational Expenses" by James A. Maxwell and Bernard L. Weinstein and "Income Tax Credits for Tuitions and Gifts in Nonpublic School Education" by Roger A. Freeman. The first paper is based on the assumption that provision of financial relief to parents who send their…

12 CFR 226.12 - Special credit card provisions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Special credit card provisions. 226.12 Section... SYSTEM TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including...

12 CFR 226.12 - Special credit card provisions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 3 2013-01-01 2013-01-01 false Special credit card provisions. 226.12 Section... SYSTEM (CONTINUED) TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used...

12 CFR 226.12 - Special credit card provisions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Special credit card provisions. 226.12 Section... SYSTEM TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including...

12 CFR 226.12 - Special credit card provisions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Special credit card provisions. 226.12 Section... SYSTEM (CONTINUED) TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used...

12 CFR 226.12 - Special credit card provisions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Special credit card provisions. 226.12 Section... SYSTEM TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including...

76 FR 54991 - Corporate Credit Unions

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-06

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

48 CFR 1819.7209 - Credit agreements.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 48 Federal Acquisition Regulations System 6 2013-10-01 2013-10-01 false Credit agreements. 1819... agreements. (a) The credit permits the mentor to include the cost it expends on a mentor-protégé agreement as... Plan. The following provisions apply to all credit mentor-protégé agreements: (1) Developmental...

76 FR 41590 - Equal Credit Opportunity

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-15

... the credit decision; (2) the range of possible scores under the model used; (3) up to four key factors that adversely affected the consumer's credit score (or up to five factors if the number of inquiries... credit score was a factor in the adverse action decision, even if it was not a significant factor, the...

Mammography screening credit card and compliance.

PubMed

Schapira, D V; Kumar, N B; Clark, R A; Yag, C

1992-07-15

Screening for breast cancer using mammography has been shown to be effective in reducing mortality from breast cancer. The authors attempted to determine if use of a wallet-size plastic screening "credit" card would increase participants' compliance for subsequent mammograms when compared with traditional methods of increasing compliance. Two hundred and twenty consecutive women, ages 40-70 years, undergoing their first screening mammography were recruited and assigned randomly to four groups receiving (1) a reminder plastic credit card (2) reminder credit card with written reminder; (3) appointment card; and (4) verbal recommendation. Return rates of the four groups were determined after 15 months. The return rate for subsequent mammograms was significantly higher for participants (72.4%) using the credit card than for participants (39.8%) exposed to traditional encouragement/reminders (P less than 0.0001). The credit card was designed to show the participant's screening anniversary, and the durability of the card may have been a factor in increasing the return rate. The use of reminder credit cards may increase compliance for periodic screening examinations for other cancers and other chronic diseases.

Predictors of students' adjustment during transition to university in Spain.

PubMed

Páramo Fernández, María F; Araújo, Alexandra M; Tinajero Vacas, Carolina; Almeida, Leandro S; Rodríguez González, María S

2017-02-01

Adjustment to university is a major life transition that not all emerging adults manage successfully. The Student University Adjustment Questionnaire is the instrument most commonly used to evaluate this multidimensional construct. Research in Spain on the predisposing factors for successful adjustment to university in emerging adults is scarce relative to the large number of studies carried out in North America. The objective of the present study was to analyze the association between students’ gender, family background, pre-university achievement and adjustment to university. Participants were 300 Spanish first-year students (198 women and 102 men) of mean age 18.02 years. Pre-university achievement was the only significant predictor of academic, social and institutional adjustment. Gender directly affected personal-emotional adjustment and indirectly affected academic adjustment mediated by entry grade. Students’ entry characteristics predict adjustment to university in the first year. These findings have important theoretical and practical implications.

Effect of childhood coeliac disease on ninth grade school performance: evidence from a population-based study

PubMed Central

Namatovu, Fredinah; Strandh, Mattias; Ivarsson, Anneli; Nilsson, Karina

2018-01-01

Background Coeliac disease might affect school performance due to its effect on cognitive performance and related health consequences that might increase school absenteeism. The aim of this study was to investigate whether children with coeliac disease performed differently on completion of ninth grade in school compared with children without coeliac disease. Methods Analysis was performed on a population of 445 669 children born in Sweden between 1991 and 1994 of whom 1767 were diagnosed with coeliac disease. School performance at ninth grade was the outcome and coeliac disease was the exposure. Other covariates included sex, Apgar score at 5 min, small for gestational age, year of birth, family type, parental education and income. Results There was no association between coeliac disease and school performance at ninth grade (adjusted coefficient −2.4, 95% CI 5.1 to 0.4). A weak association was established between late coeliac diagnosis and higher grades, but this disappeared after adjusting for parent socioeconomic conditions. Being small for gestational age affected performance negatively (adjusted coefficient −6.9, 95% CI 8.0 to 5.7). Grade scores were significantly lower in children living with a single parent (adjusted coefficient −20.6, 95% CI 20.9 to 20.2), compared with those with married/cohabiting parents. A positive association was found between scores at ninth grade and parental education and income. Conclusion Coeliac disease diagnosis during childhood is not associated with poor school performance at ninth grade. PMID:28844065

12 CFR 226.11 - Treatment of credit balances.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Treatment of credit balances. 226.11 Section... SYSTEM TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.11 Treatment of credit balances. When a credit balance in excess of $1 is created on a credit account (through transmittal of funds to a creditor...

48 CFR 1819.7209 - Credit agreements.

Code of Federal Regulations, 2010 CFR

2010-10-01

... ADMINISTRATION SOCIOECONOMIC PROGRAMS SMALL BUSINESS PROGRAMS NASA Mentor-Protégé Program 1819.7209 Credit agreements. (a) The credit permits the mentor to include the cost it expends on a mentor-protégé agreement as... Plan. The following provisions apply to all credit mentor-protégé agreements: (1) Developmental...

40 CFR 89.207 - Credit calculation.

Code of Federal Regulations, 2010 CFR

2010-07-01

... Trading Provisions § 89.207 Credit calculation. (a) Requirements for calculating NO X credits from Tier 1...) × (Volume) × (AvgPR) × (UL) × (10−6) Where: Std = the applicable Tier 1 NOX nonroad engine emission standard...) of this section, to be applied to Tier 1 NOX credits to be banked or traded for determining...

Verification of 'learning credits' by GP appraisers.

PubMed

Murie, Jill; Wakeling, Judy

2011-11-01

The RCGP CPD Learning Credits system aims to enable GPs to demonstrate knowledge and skills relevant to their daily practice. Credits are self-assessed and will form part of the 'evidence' necessary for successful revalidation. At an appraisal, GP appraisers verify the credits in terms of the time spent on the CPD activity and its impact on the GP's practice. The purpose of this study was to examine the extent to which GPs (as appraisees) are able to self-assess their own learning and, as appraisers, verify credits in a standardised way. All 17 GP appraisers in NHS Lanarkshire were invited to participate in a study, which triangulated three sources of evidence on credits: self-rating, peer-assessment and workshop discussion. The resultant data were analysed on an Excel spreadsheet. Outcomes included self-assessed credit value, peer-assessed mean score (range) and free text. Of the 17 appraisers, 15 completed the paperwork and 13 attended the workshop. GPs' self-assessed learning credits were equivalent to peer-assessed score in 5/15 cases, but considered overestimates in 4/15 and underestimates in 6/15 cases. The most extreme variance was for an oncology module, where the variance ranged from 28% to 200% of the self-assessed score. GPs have a variable understanding of how to award themselves learning credits and of how to judge the credits of potential appraisees. Without adequate resources for appraisal training, validated instruments, calibration and reliability, verification of the learning credit system will be flawed by its subjective and arbitrary nature.

49 CFR 536.8 - Conditions for trading of credits.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 49 Transportation 6 2013-10-01 2013-10-01 false Conditions for trading of credits. 536.8 Section... SAFETY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION TRANSFER AND TRADING OF FUEL ECONOMY CREDITS § 536.8 Conditions for trading of credits. (a) Trading of credits. If a credit holder wishes to trade credits to...

49 CFR 536.8 - Conditions for trading of credits.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 49 Transportation 6 2014-10-01 2014-10-01 false Conditions for trading of credits. 536.8 Section... SAFETY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION TRANSFER AND TRADING OF FUEL ECONOMY CREDITS § 536.8 Conditions for trading of credits. (a) Trading of credits. If a credit holder wishes to trade credits to...

49 CFR 536.8 - Conditions for trading of credits.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 49 Transportation 6 2012-10-01 2012-10-01 false Conditions for trading of credits. 536.8 Section... SAFETY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION TRANSFER AND TRADING OF FUEL ECONOMY CREDITS § 536.8 Conditions for trading of credits. (a) Trading of credits. If a credit holder wishes to trade credits to...

17 CFR 256.255 - Accumulated deferred investment tax credits.

Code of Federal Regulations, 2010 CFR

2010-04-01

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

Credit scoring analysis using weighted k nearest neighbor

NASA Astrophysics Data System (ADS)

Mukid, M. A.; Widiharih, T.; Rusgiyono, A.; Prahutama, A.

2018-05-01

Credit scoring is a quatitative method to evaluate the credit risk of loan applications. Both statistical methods and artificial intelligence are often used by credit analysts to help them decide whether the applicants are worthy of credit. These methods aim to predict future behavior in terms of credit risk based on past experience of customers with similar characteristics. This paper reviews the weighted k nearest neighbor (WKNN) method for credit assessment by considering the use of some kernels. We use credit data from a private bank in Indonesia. The result shows that the Gaussian kernel and rectangular kernel have a better performance based on the value of percentage corrected classified whose value is 82.4% respectively.

Power calculation of grading device in desintegrator

NASA Astrophysics Data System (ADS)

Bogdanov, V. S.; Semikopenko, I. A.; Vavilov, D. V.

2018-03-01

This article describes the analytical method of measuring the secondary power consumption, necessitated by the installation of a grading device in the peripheral part of the grinding chamber in the desintegrator. There is a calculation model for defining the power input of the disintegrator increased by the extra power demand, required to rotate the grading device and to grind the material in the area between the external row of hammers and the grading device. The work has determined the inertia moments of a cylindrical section of the grading device with armour plates. The processing capacity of the grading device is adjusted to the conveying capacity of the auger feeder. The grading device enables one to increase the concentration of particles in the peripheral part of the grinding chamber and the amount of interaction between particles and armour plates as well as the number of colliding particles. The perforated sections provide the output of the ground material with the proper size granules, which together with the effects of armour plates, improves the efficiency of grinding. The power demand to rotate the grading device does not exceed the admissible value.

Evaluation of Fission Product Critical Experiments and Associated Biases for Burnup Credit Validation

DOE Office of Scientific and Technical Information (OSTI.GOV)

Mueller, Don; Rearden, Bradley T; Reed, Davis Allan

2010-01-01

One of the challenges associated with implementation of burnup credit is the validation of criticality calculations used in the safety evaluation; in particular the availability and use of applicable critical experiment data. The purpose of the validation is to quantify the relationship between reality and calculated results. Validation and determination of bias and bias uncertainty require the identification of sets of critical experiments that are similar to the criticality safety models. A principal challenge for crediting fission products (FP) in a burnup credit safety evaluation is the limited availability of relevant FP critical experiments for bias and bias uncertainty determination.more » This paper provides an evaluation of the available critical experiments that include FPs, along with bounding, burnup-dependent estimates of FP biases generated by combining energy dependent sensitivity data for a typical burnup credit application with the nuclear data uncertainty information distributed with SCALE 6. A method for determining separate bias and bias uncertainty values for individual FPs and illustrative results is presented. Finally, a FP bias calculation method based on data adjustment techniques and reactivity sensitivity coefficients calculated with the SCALE sensitivity/uncertainty tools and some typical results is presented. Using the methods described in this paper, the cross-section bias for a representative high-capacity spent fuel cask associated with the ENDF/B-VII nuclear data for 16 most important stable or near stable FPs is predicted to be no greater than 2% of the total worth of the 16 FPs, or less than 0.13 % k/k.« less

75 FR 57820 - National Credit Union Administration Restoration Plan

Federal Register 2010, 2011, 2012, 2013, 2014

2010-09-22

... NATIONAL CREDIT UNION ADMINISTRATION National Credit Union Administration Restoration Plan AGENCY: National Credit Union Administration (NCUA). ACTION: Approval of National Credit Union Administration restoration plan. On September 16, 2010, the National Credit Union Administration (NCUA) implemented a...

A neural network model for credit risk evaluation.

PubMed

Khashman, Adnan

2009-08-01

Credit scoring is one of the key analytical techniques in credit risk evaluation which has been an active research area in financial risk management. This paper presents a credit risk evaluation system that uses a neural network model based on the back propagation learning algorithm. We train and implement the neural network to decide whether to approve or reject a credit application, using seven learning schemes and real world credit applications from the Australian credit approval datasets. A comparison of the system performance under the different learning schemes is provided, furthermore, we compare the performance of two neural networks; with one and two hidden layers following the ideal learning scheme. Experimental results suggest that neural networks can be effectively used in automatic processing of credit applications.

76 FR 13504 - Conversions of Insured Credit Unions

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-14

... Conversions of Insured Credit Unions AGENCY: National Credit Union Administration (NCUA). ACTION: Final rule... phrase ``Regional Director'' in NCUA's rule on credit union to mutual savings bank conversions. For... for the review and approval of certain types of credit union conversions from the Regional Directors...

76 FR 16235 - Corporate Credit Unions, Technical Corrections

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-23

... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 707 RIN 3133-AD58 Corporate Credit Unions... 2010, NCUA issued technical corrections to its corporate credit union rule, published in the Federal... October 2010, NCUA published a comprehensive overhaul to its corporate credit union rule, 12 CFR part 704...

Effect of childhood coeliac disease on ninth grade school performance: evidence from a population-based study.

PubMed

Namatovu, Fredinah; Strandh, Mattias; Ivarsson, Anneli; Nilsson, Karina

2018-02-01

Coeliac disease might affect school performance due to its effect on cognitive performance and related health consequences that might increase school absenteeism. The aim of this study was to investigate whether children with coeliac disease performed differently on completion of ninth grade in school compared with children without coeliac disease. Analysis was performed on a population of 445 669 children born in Sweden between 1991 and 1994 of whom 1767 were diagnosed with coeliac disease. School performance at ninth grade was the outcome and coeliac disease was the exposure. Other covariates included sex, Apgar score at 5 min, small for gestational age, year of birth, family type, parental education and income. There was no association between coeliac disease and school performance at ninth grade (adjusted coefficient -2.4, 95% CI 5.1 to 0.4). A weak association was established between late coeliac diagnosis and higher grades, but this disappeared after adjusting for parent socioeconomic conditions. Being small for gestational age affected performance negatively (adjusted coefficient -6.9, 95% CI 8.0 to 5.7). Grade scores were significantly lower in children living with a single parent (adjusted coefficient -20.6, 95% CI 20.9 to 20.2), compared with those with married/cohabiting parents. A positive association was found between scores at ninth grade and parental education and income. Coeliac disease diagnosis during childhood is not associated with poor school performance at ninth grade. © Article author(s) (or their employer(s) unless otherwise stated in the text of the article) 2018. All rights reserved. No commercial use is permitted unless otherwise expressly granted.

Materialism and credit card use by college students.

PubMed

Pinto, M B; Parente, D H; Palmer, T S

2000-04-01

Much has been written in the popular press on credit card use and spending patterns of American college students. The proliferation of credit cards and their ease of acquisition ensure that students today have more opportunities for making more credit purchases than any other generation of college students. Little is known about the relationship between students' attitudes towards materialism and their use of credit cards. A study was conducted at three college campuses in the northeastern part of the United States where a total of 1,022 students were surveyed. Students' attitudes toward use of credit and their credit card balances were evaluated relative to their scores on Richins and Dawson's Materialism Scale (1992). Our findings suggest no significant difference between those individuals scoring high versus low on the Materialism Scale in terms of the number of credit cards owned and the average balance owed. Individuals high on materialism, however, significantly differed in terms of their uses for credit cards and their general attitude toward their use.

Meeting Summary, Credit Trading Work Group

DOE Office of Scientific and Technical Information (OSTI.GOV)

Kevin Bryan

2000-12-07

OAK-B135 Credit Trading Work Group Meeting Summary. The purpose of the meeting is to: (1) Provide an opportunity for NWCC Work Group Members, NWCC Members, and invited expert participants to hear an overview of the draft NWCC Credit Trading Report and to critically review and discuss the report's recommendations and principles. (2) Hear presentations from several perspectives of other experts on credit trading which provide: (a) a brief summary of credit trading activities they are involved in, and (b) critical responses to the NWCC draft report. (3) Identify how the report can be improved at the big picture level. Attemptmore » to resolve issues or concerns if necessary. (4) Discuss the recommendations and credit trading principles in detail and attempt to reach consensus on these sections for presentation to the NWCC. (5) Discuss if any of the outreach and communication recommendations in the report should be conducted by the NWCC.« less

Credit scoring analysis using kernel discriminant

NASA Astrophysics Data System (ADS)

Widiharih, T.; Mukid, M. A.; Mustafid

2018-05-01

Credit scoring model is an important tool for reducing the risk of wrong decisions when granting credit facilities to applicants. This paper investigate the performance of kernel discriminant model in assessing customer credit risk. Kernel discriminant analysis is a non- parametric method which means that it does not require any assumptions about the probability distribution of the input. The main ingredient is a kernel that allows an efficient computation of Fisher discriminant. We use several kernel such as normal, epanechnikov, biweight, and triweight. The models accuracy was compared each other using data from a financial institution in Indonesia. The results show that kernel discriminant can be an alternative method that can be used to determine who is eligible for a credit loan. In the data we use, it shows that a normal kernel is relevant to be selected for credit scoring using kernel discriminant model. Sensitivity and specificity reach to 0.5556 and 0.5488 respectively.

Shyness-Sensitivity and Social, School, and Psychological Adjustment in Urban Chinese Children: A Four-Wave Longitudinal Study.

PubMed

Yang, Fan; Chen, Xinyin; Wang, Li

2015-01-01

This study examined reciprocal contributions between shyness-sensitivity and social, school, and psychological adjustment in urban Chinese children. Longitudinal data were collected once a year from Grade 3 to Grade 6 (ages 9-12 years) for 1,171 children from multiple sources. Shyness-sensitivity positively contributed to social, school, and psychological difficulties over time, with the most consistent effects on peer preference and loneliness. Social and school adjustment negatively contributed to the development of shyness-sensitivity. The initial levels of shyness-sensitivity and social and school adjustment moderated the growth of each other, mainly as a resource-potentiating factor. The results indicate the significance of shyness-sensitivity for adjustment and the role of adjustment in the development of shyness-sensitivity in today's urban Chinese society. © 2015 The Authors. Child Development © 2015 Society for Research in Child Development, Inc.

12 CFR 614.4810 - Standby letters of credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Standby letters of credit. 614.4810 Section 614.4810 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Banks for Cooperatives and Agricultural Credit Banks Financing International Trade § 614.4810 Standby...

Social Adjustment and Personality Development in Children.

ERIC Educational Resources Information Center

Roff, Merrill; And Others

This book describes a series of studies included in a 5-year program of research on the social adjustment of school children in the third through sixth grades. The sample consists of a total of 40,000 children from Texas and Minnesota, including a small subsample of 5,000 used in a 4-year longitudinal study. Peer acceptance-rejection scores…

Peer Victimization, Aggression, and Their Co-Occurrence in Middle School: Pathways to Adjustment Problems

ERIC Educational Resources Information Center

Graham, Sandra; Bellmore, Amy D.; Mize, Jennifer

2006-01-01

An ethnically diverse sample of 6th-grade students completed peer nomination procedures that were used to create subgroups of students with reputations as victims, aggressors, aggressive victims, and socially adjusted (neither aggressive nor victimized). Self-report data on psychological adjustment, attributions for peer harassment, and perceived…

12 CFR 614.4040 - Production credit associations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Section 614.4040 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4040 Production credit associations. (a) Loan terms. (1) Production... the producing or harvesting operation (2) Subject to policies approved by the funding bank, production...

Credit-Card Bill Seeks to Protect Students but Could Limit Their Access to Credit

ERIC Educational Resources Information Center

Field, Kelly

2009-01-01

Congress passed legislation last week that would shield students and other consumers from sudden spikes in interest rates and fees, but that could make it harder for young people to access credit to pay for college. The legislation would extend broad new consumer protections to all credit-card holders, offering special protections to college…

School adjustment in sixth graders: parenting transitions, family climate, and peer norm effects.

PubMed

Kurdek, L A; Fine, M A; Sinclair, R J

1995-04-01

This study examined whether sixth graders' (mean age = 11.86 years) adjustment to the school context (assessed by grades, achievement scores, and disruptive behavior) was affected by factors from both the family context (represented by students' reports of the number of parenting transitions experienced as well as current levels of supervision, acceptance, autonomy granting, and conflict in the family) and the peer context (represented by students' perceptions of peer norms supporting academic excellence). School adjustment was related to the number of parenting transitions experienced, family climate, and peer norms as well as to higher-order relations involving family climate and peer norms such that (a) high grade point averages occurred at only moderate levels of family supervision, (b) achievement scores were positively related to supervision at only low levels of family autonomy granting, and (c) grade point average was positively related to peer norms at only high levels of family acceptance.

40 CFR 1033.720 - Trading emission credits.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 40 Protection of Environment 33 2011-07-01 2011-07-01 false Trading emission credits. 1033.720... CONTROLS CONTROL OF EMISSIONS FROM LOCOMOTIVES Averaging, Banking, and Trading for Certification § 1033.720 Trading emission credits. (a) Trading is the exchange of emission credits between certificate holders. You...

40 CFR 1033.720 - Trading emission credits.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 40 Protection of Environment 34 2012-07-01 2012-07-01 false Trading emission credits. 1033.720... CONTROLS CONTROL OF EMISSIONS FROM LOCOMOTIVES Averaging, Banking, and Trading for Certification § 1033.720 Trading emission credits. (a) Trading is the exchange of emission credits between certificate holders. You...

40 CFR 1033.720 - Trading emission credits.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 40 Protection of Environment 34 2013-07-01 2013-07-01 false Trading emission credits. 1033.720... CONTROLS CONTROL OF EMISSIONS FROM LOCOMOTIVES Averaging, Banking, and Trading for Certification § 1033.720 Trading emission credits. (a) Trading is the exchange of emission credits between certificate holders. You...

40 CFR 1033.720 - Trading emission credits.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 40 Protection of Environment 33 2014-07-01 2014-07-01 false Trading emission credits. 1033.720... CONTROLS CONTROL OF EMISSIONS FROM LOCOMOTIVES Averaging, Banking, and Trading for Certification § 1033.720 Trading emission credits. (a) Trading is the exchange of emission credits between certificate holders. You...

12 CFR 614.4050 - Agricultural credit associations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... respective funding banks; and (C) Any certified agricultural mortgage marketing facility, as defined by... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit associations. 614.4050 Section 614.4050 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND...

40 CFR 1033.720 - Trading emission credits.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Trading emission credits. 1033.720... CONTROLS CONTROL OF EMISSIONS FROM LOCOMOTIVES Averaging, Banking, and Trading for Certification § 1033.720 Trading emission credits. (a) Trading is the exchange of emission credits between certificate holders. You...

25 CFR 140.23 - Credit at trader's risk.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 25 Indians 1 2010-04-01 2010-04-01 false Credit at trader's risk. 140.23 Section 140.23 Indians....23 Credit at trader's risk. Credit given Indians will be at the trader's own risk, as no assistance... accept pawns or pledges of personal property by Indians to obtain credit or loans. ...

12 CFR 704.3 - Corporate credit union capital.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Corporate credit union capital. 704.3 Section... CORPORATE CREDIT UNIONS § 704.3 Corporate credit union capital. (a) Capital requirements. (1) A corporate... percent or greater. (2) To ensure it meets its capital requirements, a corporate credit union must develop...

12 CFR 704.3 - Corporate credit union capital.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Corporate credit union capital. 704.3 Section... CORPORATE CREDIT UNIONS § 704.3 Corporate credit union capital. (a) Capital requirements. (1) A corporate... percent or greater. (2) To ensure it meets its capital requirements, a corporate credit union must develop...

12 CFR 704.3 - Corporate credit union capital.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Corporate credit union capital. 704.3 Section... CORPORATE CREDIT UNIONS § 704.3 Corporate credit union capital. (a) Capital requirements. (1) A corporate... percent or greater. (2) To ensure it meets its capital requirements, a corporate credit union must develop...

Predicting Long-Term College Success through Degree Completion Using ACT[R] Composite Score, ACT Benchmarks, and High School Grade Point Average. ACT Research Report Series, 2012 (5)

ERIC Educational Resources Information Center

Radunzel, Justine; Noble, Julie

2012-01-01

This study compared the effectiveness of ACT[R] Composite score and high school grade point average (HSGPA) for predicting long-term college success. Outcomes included annual progress towards a degree (based on cumulative credit-bearing hours earned), degree completion, and cumulative grade point average (GPA) at 150% of normal time to degree…

Psychological Separation and Adjustment to University: Moderating Effects of Gender, Age, and Perceived Parenting Style.

ERIC Educational Resources Information Center

Beyers, Wim; Goossens, Luc

2003-01-01

Examined the association between psychological separation and adjustment to university among college students. Found that two dimensions of psychological separation--independence from parents and positive separation feelings--predicted better adjustment to college life. Independence from parents was moderated by grade, gender, and perceived…

12 CFR 226.21 - Treatment of credit balances.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Treatment of credit balances. 226.21 Section... SYSTEM TRUTH IN LENDING (REGULATION Z) Closed-End Credit § 226.21 Treatment of credit balances. When a credit balance in excess of $1 is created in connection with a transaction (through transmittal of funds...

12 CFR 226.21 - Treatment of credit balances.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Treatment of credit balances. 226.21 Section... SYSTEM TRUTH IN LENDING (REGULATION Z) Closed-End Credit § 226.21 Treatment of credit balances. When a credit balance in excess of $1 is created in connection with a transaction (through transmittal of funds...

25 CFR 39.140 - How does a school qualify for a Small School Adjustment?

Code of Federal Regulations, 2014 CFR

2014-04-01

... lower grades and has a diploma-awarding high school component with an average instructional daily... 25 Indians 1 2014-04-01 2014-04-01 false How does a school qualify for a Small School Adjustment... INDIAN SCHOOL EQUALIZATION PROGRAM Indian School Equalization Formula Small School Adjustment § 39.140...

25 CFR 39.140 - How does a school qualify for a Small School Adjustment?

Code of Federal Regulations, 2012 CFR

2012-04-01

... lower grades and has a diploma-awarding high school component with an average instructional daily... 25 Indians 1 2012-04-01 2011-04-01 true How does a school qualify for a Small School Adjustment... INDIAN SCHOOL EQUALIZATION PROGRAM Indian School Equalization Formula Small School Adjustment § 39.140...

25 CFR 39.140 - How does a school qualify for a Small School Adjustment?

Code of Federal Regulations, 2013 CFR

2013-04-01

... lower grades and has a diploma-awarding high school component with an average instructional daily... 25 Indians 1 2013-04-01 2013-04-01 false How does a school qualify for a Small School Adjustment... INDIAN SCHOOL EQUALIZATION PROGRAM Indian School Equalization Formula Small School Adjustment § 39.140...

Harsh Environments, Life History Strategies, and Adjustment: A Longitudinal Study of Oregon Youth

PubMed Central

Hampson, Sarah E.; Andrews, Judy A.; Barckley, Maureen; Gerrard, Meg; Gibbons, Frederick X.

2015-01-01

We modeled the effects of harsh environments in childhood on adjustment in early emerging adulthood, through parenting style and the development of fast Life History Strategies (LHS; risky beliefs and behaviors) in adolescence. Participants were from the Oregon Youth Substance Use Project (N = 988; 85.7% White). Five cohorts of children in Grades 1–5 at recruitment were assessed through one-year post high school. Greater environmental harshness (neighborhood quality and family poverty) in Grades 1–6 predicted less parental investment at Grade 8. This parenting style was related to the development of fast LHS (favorable beliefs about substance users and willingness to use substances at Grade 9, and engagement in substance use and risky sexual behavior assessed across Grades 10–12). The indirect path from harsh environment through parenting and LHS to (less) psychological adjustment (indicated by lower life satisfaction, self-rated health, trait sociability, and higher depression) was significant (indirect effect −.024, p = .011, 95% CI = −.043, −.006.). This chain of development was comparable to that found by Gibbons et al. (2012) for an African-American sample that, unlike the present study, included perceived racial discrimination in the assessment of harsh environment. PMID:26451065

A longitudinal examination of career preparation and adjustment during the transition from high school.

PubMed

Stringer, Kate; Kerpelman, Jennifer; Skorikov, Vladimir

2012-09-01

Preparing for an adult career and incorporating a career into one's identity is a key task during the transition to adulthood (Erikson, 1968), and completing developmental tasks is considered a major factor in adjustment (Havinghurst, 1972). Previous research has established associations between overall career preparation in high school and adjustment soon after high school graduation. Differences in the developmental patterns of career preparation dimensions (indecision, planning, and confidence) following high school graduation also have been found. The current study builds on that prior work by examining associations between changes in the dimensions of career preparation and changes in 3 aspects of adjustment (emotional stability, social adaptation, and self-actualization) from 12th grade in high school to 4.5 years after high school graduation in a sample of 454 youths, using latent growth curve analysis. Results showed that career preparation both predicts and is predicted by adjustment. Career confidence was a particularly important predictor of adjustment. Both 12th grade career confidence and changes in confidence over time predicted changes in adjustment and adjustment 4.5 years post-high school. In an alternative model, an increase in emotional stability was predictive of higher career confidence and lower indecision. Results are discussed in the context of developmental theories and the notion that adjustment and career are interrelated processes. PsycINFO Database Record (c) 2012 APA, all rights reserved.

A research on personal credit rating under big-data

NASA Astrophysics Data System (ADS)

Chen, Yong; Nie, Erbao; Chen, Shaozhen

2018-04-01

Solvency mainly discover the availability and fluctuations of one's cashflow, to reveal the reasons for one's balance and future trends, as well as to determine one's ability to obtain funds to repay debt and the flow Release space. the intention to repay reflects the debtor's decision which is made after weighting the benefits and cost of repaying the principal and interest. examining the repaying willingness reveals the debtor's passion to repay the outstanding obligations and the new debt, then based on which we can determine the security of principal and interest payment. risk preference is to examine individual's exact demand for credit, and the adjusting degree between the demand and the solvency, to derive the agent cost and the coverage rate of the new-issued debt.

An Anonymous Credit Card System

NASA Astrophysics Data System (ADS)

Androulaki, Elli; Bellovin, Steven

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

A Guide to Credit Transfer

ERIC Educational Resources Information Center

Walls, Sandra; Pardy, John

2010-01-01

This guide is intended for students, career counsellors and others assisting vocational education and training (VET) students in the credit transfer process. It is based on research that set out to identify the core elements required to negotiate successful pathways from VET to higher education. Credit transfer structures between Deakin University…

Converting Work into College Credits

ERIC Educational Resources Information Center

Hoffman, Joseph A.

1976-01-01

The Cooperative Education Program conducted by the New Jersey Department of Labor and Industry and Thomas A. Edison College enables State labor department employees to work toward college degrees by attending free classes, taking college-level examinations for college credit, and converting work and life experiences into college credits.…

Tuition Tax Credits: Other Benefits.

ERIC Educational Resources Information Center

Williams, Walter E.

1982-01-01

Comments on educational issues which could be favorably affected by the passage of the Packwood-Moynihan Tuition Tax Credit bill. Indicates that tuition tax credits can help parents seek better schools and give those with low incomes a greater role in finding the best educational alternatives for their children. (JOW)

7 CFR 1.79 - Credits.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 1 2012-01-01 2012-01-01 false Credits. 1.79 Section 1.79 Agriculture Office of the Secretary of Agriculture ADMINISTRATIVE REGULATIONS Cooperative Production of Television Films § 1.79 Credits. On films on which the Department or one of its agencies provides special assistance it shall be...

7 CFR 1.79 - Credits.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 1 2011-01-01 2011-01-01 false Credits. 1.79 Section 1.79 Agriculture Office of the Secretary of Agriculture ADMINISTRATIVE REGULATIONS Cooperative Production of Television Films § 1.79 Credits. On films on which the Department or one of its agencies provides special assistance it shall be...

7 CFR 1.79 - Credits.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 1 2014-01-01 2014-01-01 false Credits. 1.79 Section 1.79 Agriculture Office of the Secretary of Agriculture ADMINISTRATIVE REGULATIONS Cooperative Production of Television Films § 1.79 Credits. On films on which the Department or one of its agencies provides special assistance it shall be...

7 CFR 1.79 - Credits.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 1 2013-01-01 2013-01-01 false Credits. 1.79 Section 1.79 Agriculture Office of the Secretary of Agriculture ADMINISTRATIVE REGULATIONS Cooperative Production of Television Films § 1.79 Credits. On films on which the Department or one of its agencies provides special assistance it shall be...

Future Tuition Tax Credit Legislation.

ERIC Educational Resources Information Center

Wood, R. Craig

1983-01-01

Analyzing the United States Supreme Court decision in "Mueller v. Allen" declaring that certain forms of tuition tax credit are not unconstitutional, the author points out that school administrators should monitor legislative activities and be active in state policymaking or the future may hold larger tax credits and direct financial…

Tuition Tax Credits. Issuegram 19.

ERIC Educational Resources Information Center

Augenblick, John; McGuire, Kent

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

7 CFR 1.79 - Credits.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 1 2010-01-01 2010-01-01 false Credits. 1.79 Section 1.79 Agriculture Office of the Secretary of Agriculture ADMINISTRATIVE REGULATIONS Cooperative Production of Television Films § 1.79 Credits. On films on which the Department or one of its agencies provides special assistance it shall be...

40 CFR 1042.720 - Trading emission credits.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 40 Protection of Environment 33 2011-07-01 2011-07-01 false Trading emission credits. 1042.720..., Banking, and Trading for Certification § 1042.720 Trading emission credits. (a) Trading is the exchange of... further trading transactions. (b) You may trade actual emission credits as described in this subpart. You...

49 CFR 260.15 - Credit risk premium.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 49 Transportation 4 2010-10-01 2010-10-01 false Credit risk premium. 260.15 Section 260.15... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.15 Credit risk premium. (a) Where available... pay to the Administrator a Credit Risk Premium adequate to cover that portion of the subsidy cost not...

40 CFR 1042.720 - Trading emission credits.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 40 Protection of Environment 33 2014-07-01 2014-07-01 false Trading emission credits. 1042.720..., Banking, and Trading for Certification § 1042.720 Trading emission credits. (a) Trading is the exchange of... further trading transactions. (b) You may trade actual emission credits as described in this subpart. You...

40 CFR 1042.720 - Trading emission credits.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 40 Protection of Environment 34 2013-07-01 2013-07-01 false Trading emission credits. 1042.720..., Banking, and Trading for Certification § 1042.720 Trading emission credits. (a) Trading is the exchange of... further trading transactions. (b) You may trade actual emission credits as described in this subpart. You...

40 CFR 1042.720 - Trading emission credits.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 40 Protection of Environment 34 2012-07-01 2012-07-01 false Trading emission credits. 1042.720..., Banking, and Trading for Certification § 1042.720 Trading emission credits. (a) Trading is the exchange of... further trading transactions. (b) You may trade actual emission credits as described in this subpart. You...

40 CFR 1042.720 - Trading emission credits.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Trading emission credits. 1042.720..., Banking, and Trading for Certification § 1042.720 Trading emission credits. (a) Trading is the exchange of... further trading transactions. (b) You may trade actual emission credits as described in this subpart. You...

48 CFR 32.608-2 - Interest credits.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 48 Federal Acquisition Regulations System 1 2012-10-01 2012-10-01 false Interest credits. 32.608-2... REQUIREMENTS CONTRACT FINANCING Contract Debts 32.608-2 Interest credits. (a) An equitable interest credit... contract at some time during the period to which the interest charge applied, provided an interest penalty...

48 CFR 32.608-2 - Interest credits.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 48 Federal Acquisition Regulations System 1 2011-10-01 2011-10-01 false Interest credits. 32.608-2... REQUIREMENTS CONTRACT FINANCING Contract Debts 32.608-2 Interest credits. (a) An equitable interest credit... contract at some time during the period to which the interest charge applied, provided an interest penalty...

Consumer credit as a novel marker for economic burden and health after cancer in a diverse population of breast cancer survivors in the USA.

PubMed

Dean, Lorraine T; Schmitz, Kathryn H; Frick, Kevin D; Nicholas, Lauren H; Zhang, Yuehan; Subramanian, S V; Visvanathan, Kala

2018-06-01

Consumer credit may reflect financial hardship that patients face due to cancer treatment, which in turn may impact ability to manage health after cancer; however, credit's relationship to economic burden and health after cancer has not been evaluated. From May to September 2015, 123 women with a history of breast cancer residing in Pennsylvania or New Jersey completed a cross-sectional survey of demographics, socioeconomic position, comorbidities, SF-12 self-rated health, economic burden since cancer diagnosis, psychosocial stress, and self-reported (poor to excellent) credit quality. Ordinal logistic regression evaluated credit's contribution to economic burden and self-rated health. Mean respondent age was 64 years. Mean year from diagnosis was 11.5. Forty percent of respondents were Black or Other and 60% were White. Twenty-four percent self-reported poor credit, and 76% reported good to excellent credit quality. In adjusted models, changing income, using savings, borrowing money, and being unable to purchase a health need since cancer were associated with poorer credit. Better credit was associated with 7.72 ([1.22, 14.20], p = 0.02) higher physical health t-score, and a - 2.00 ([- 3.92, - 0.09], p = 0.04) point change in psychosocial stress. This exploratory analysis establishes the premise for consumer credit as a marker of economic burden and health for breast cancer survivors. Future work should validate these findings in larger samples and for other health conditions. Stabilizing and monitoring consumer credit may be a potential intervention point for mitigating economic burden after breast cancer.

Credit scores, cardiovascular disease risk, and human capital.

PubMed

Israel, Salomon; Caspi, Avshalom; Belsky, Daniel W; Harrington, HonaLee; Hogan, Sean; Houts, Renate; Ramrakha, Sandhya; Sanders, Seth; Poulton, Richie; Moffitt, Terrie E

2014-12-02

Credit scores are the most widely used instruments to assess whether or not a person is a financial risk. Credit scoring has been so successful that it has expanded beyond lending and into our everyday lives, even to inform how insurers evaluate our health. The pervasive application of credit scoring has outpaced knowledge about why credit scores are such useful indicators of individual behavior. Here we test if the same factors that lead to poor credit scores also lead to poor health. Following the Dunedin (New Zealand) Longitudinal Study cohort of 1,037 study members, we examined the association between credit scores and cardiovascular disease risk and the underlying factors that account for this association. We find that credit scores are negatively correlated with cardiovascular disease risk. Variation in household income was not sufficient to account for this association. Rather, individual differences in human capital factors—educational attainment, cognitive ability, and self-control—predicted both credit scores and cardiovascular disease risk and accounted for ∼45% of the correlation between credit scores and cardiovascular disease risk. Tracing human capital factors back to their childhood antecedents revealed that the characteristic attitudes, behaviors, and competencies children develop in their first decade of life account for a significant portion (∼22%) of the link between credit scores and cardiovascular disease risk at midlife. We discuss the implications of these findings for policy debates about data privacy, financial literacy, and early childhood interventions.

Credit scores, cardiovascular disease risk, and human capital

PubMed Central

Israel, Salomon; Caspi, Avshalom; Belsky, Daniel W.; Harrington, HonaLee; Hogan, Sean; Houts, Renate; Ramrakha, Sandhya; Sanders, Seth; Poulton, Richie; Moffitt, Terrie E.

2014-01-01

Credit scores are the most widely used instruments to assess whether or not a person is a financial risk. Credit scoring has been so successful that it has expanded beyond lending and into our everyday lives, even to inform how insurers evaluate our health. The pervasive application of credit scoring has outpaced knowledge about why credit scores are such useful indicators of individual behavior. Here we test if the same factors that lead to poor credit scores also lead to poor health. Following the Dunedin (New Zealand) Longitudinal Study cohort of 1,037 study members, we examined the association between credit scores and cardiovascular disease risk and the underlying factors that account for this association. We find that credit scores are negatively correlated with cardiovascular disease risk. Variation in household income was not sufficient to account for this association. Rather, individual differences in human capital factors—educational attainment, cognitive ability, and self-control—predicted both credit scores and cardiovascular disease risk and accounted for ∼45% of the correlation between credit scores and cardiovascular disease risk. Tracing human capital factors back to their childhood antecedents revealed that the characteristic attitudes, behaviors, and competencies children develop in their first decade of life account for a significant portion (∼22%) of the link between credit scores and cardiovascular disease risk at midlife. We discuss the implications of these findings for policy debates about data privacy, financial literacy, and early childhood interventions. PMID:25404329

Independent surgical validation of the new prostate cancer grade-grouping system.

PubMed

Spratt, Daniel E; Cole, Adam I; Palapattu, Ganesh S; Weizer, Alon Z; Jackson, William C; Montgomery, Jeffrey S; Dess, Robert T; Zhao, Shuang G; Lee, Jae Y; Wu, Angela; Kunju, Lakshmi P; Talmich, Emily; Miller, David C; Hollenbeck, Brent K; Tomlins, Scott A; Feng, Felix Y; Mehra, Rohit; Morgan, Todd M

2016-11-01

To report the independent prognostic impact of the new prostate cancer grade-grouping system in a large external validation cohort of patients treated with radical prostatectomy (RP). Between 1994 and 2013, 3 694 consecutive men were treated with RP at a single institution. To investigate the performance of and validate the grade-grouping system, biochemical recurrence-free survival (bRFS) rates were assessed using Kaplan-Meier tests, Cox-regression modelling, and discriminatory comparison analyses. Separate analyses were performed based on biopsy and RP grade. The median follow-up was 52.7 months. The 5-year actuarial bRFS for biopsy grade groups 1-5 were 94.2%, 89.2%, 73.1%, 63.1%, and 54.7%, respectively (P < 0.001). Similarly, the 5-year actuarial bRFS based on RP grade groups was 96.1%, 93.0%, 74.0%, 64.4%, and 49.9% for grade groups 1-5, respectively (P < 0.001). The adjusted hazard ratios for bRFS relative to biopsy grade group 1 were 1.98, 4.20, 5.57, and 9.32 for groups 2, 3, 4, and 5, respectively (P < 0.001), and for RP grade groups were 2.09, 5.27, 5.86, and 10.42 (P < 0.001). The five-grade-group system had a higher prognostic discrimination compared with the commonly used three-tier system (Gleason score 6 vs 7 vs 8-10). In an independent surgical cohort, we have validated the prognostic benefit of the new prostate cancer grade-grouping system for bRFS, and shown that the benefit is maintained after adjusting for important clinicopathological variables. The greater predictive accuracy of the new system will improve risk stratification in the clinical setting and aid in patient counselling. © 2016 The Authors BJU International © 2016 BJU International Published by John Wiley & Sons Ltd.

The Effect of a Stricter Academic Dismissal Policy on Course Selection, Student Effort, and Grading Leniency

ERIC Educational Resources Information Center

Keng, Shao-Hsun

2016-01-01

This paper uses data from a four-year college in Taiwan to examine the effect of adopting a stricter dismissal policy on course selection, student effort, and grading practices. Under the new rule, students are dismissed if they fail 50 percent or more credits in "any" two semesters as opposed to two "consecutive" semesters.…

Alternative Methods for the Awarding of College Credit: Credit by Examination for Articulated High School Courses. Adopted Spring 2013

ERIC Educational Resources Information Center

Academic Senate for California Community Colleges, 2013

2013-01-01

Colleges have long had mechanisms for awarding students credit for prior learning, from evaluating transcripts to establishing standards for the units and course credit to be associated with designated scores on nationally and internationally recognized curricula and exams. While the processes for awarding credit via these traditional mechanisms…

Credit use: psychological perspectives on a multifaceted phenomenon.

PubMed

Kamleitner, Bernadette; Hoelzl, Erik; Kirchler, Erich

2012-01-01

Consumer borrowing is a highly topical and multifaceted phenomenon as well as a popular subject for study. We focus on consumer credit use and review the existing literature. To categorize what is known we identify four main psychological perspectives on the phenomenon: credit use as (1) a reflection of the situation, (2) a reflection of the person, (3) a cognitive process, and (4) a social process. On top of these perspectives we view credit use as a process that entails three distinct phases: (1) processes before credit acquisition, (2) processes at credit acquisition, and (3) processes after credit acquisition. We review the international literature along a two-tier structure that aligns the psychological perspectives with a process view of credit. This structure allows us to identify systematic concentrations as well as gaps in the existing research. We consolidate what is known within each perspective and identify what seems to be most urgently missing. Some of the most important gaps relate to research studying credit acquisition from the perspective of credit use as a reflection of the person or as a social process. In particular, research on credit use as a reflection of the person appears to focus exclusively on the first stage of the credit process. We conclude with a discussion that reaches across perspectives and identifies overarching gaps, trends, and open questions. We highlight a series of implicit linkages between perspectives and the geographical regions in which studies related to the perspectives were conducted. Beyond diagnosing a geographical imbalance of research, we argue for future research that systematically addresses interrelations between perspectives. We conclude with a set of global implications and research recommendations.

48 CFR 32.608-2 - Interest credits.

Code of Federal Regulations, 2010 CFR

2010-10-01

... following procedures: (1) Interest at the rate under 52.232-17 shall be charged on the reduced debt from the... REQUIREMENTS CONTRACT FINANCING Contract Debts 32.608-2 Interest credits. (a) An equitable interest credit... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Interest credits. 32.608-2...

23 CFR 140.914 - Credits for improvements.

Code of Federal Regulations, 2010 CFR

2010-04-01

... Reimbursement for Railroad Work § 140.914 Credits for improvements. (a) Credit shall be made to the project for additions or improvements which provide for higher quality or increased service capability of the operating... 23 Highways 1 2010-04-01 2010-04-01 false Credits for improvements. 140.914 Section 140.914...

5 CFR 610.408 - Use of credit hours.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Flexible and Compressed Work Schedules § 610.408 Use of credit hours. Members of the Senior Executive Service (SES) may not accumulate credit hours under an alternative work schedule. Any credit hours...

Family Profiles of Cohesion and Parenting Practices and Latino Youth Adjustment.

PubMed

Bámaca-Colbert, Mayra Y; Gonzales-Backen, Melinda; Henry, Carolyn S; Kim, Peter S Y; Roblyer, Martha Zapata; Plunkett, Scott W; Sands, Tovah

2017-08-10

Using a sample of 279 (52% female) Latino youth in 9th grade (M = 14.57, SD = .56), we examined profiles of family cohesion and parenting practices and their relation to youth adjustment. The results of latent profile analyses revealed four family profiles: Engaged, Supportive, Intrusive, and Disengaged. Latino youth in the Supportive family profile showed most positive adjustment (highest self-esteem and lowest depressive symptoms), followed by youth in the Engaged family profile. Youth in the Intrusive and Disengaged profiles showed the lowest levels of positive adjustment. The findings contribute to the current literature on family dynamics, family profiles, and youth psychological adjustment within specific ethnic groups. © 2017 Family Process Institute.

Store Security. Credit Card Fraud.

ERIC Educational Resources Information Center

Brockway, Jerry

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

Operative management and outcomes in 103 AAST-OIS grades IV and V complex hepatic injuries: trauma surgeons still need to operate, but angioembolization helps.

PubMed

Asensio, Juan A; Roldán, Gustavo; Petrone, Patrizio; Rojo, Esther; Tillou, Areti; Kuncir, Eric; Demetriades, Demetrios; Velmahos, George; Murray, James; Shoemaker, William C; Berne, Thomas V; Chan, Linda

2003-04-01

American Association for the Surgery of Trauma (AAST) Organ Injury Scale (OIS) grades IV and V complex hepatic injuries are highly lethal. Our objectives were to review experience and identify predictors of outcome and to evaluate the role of angioembolization in decreasing mortality. This was a retrospective 8-year study of all patients sustaining AAST-OIS grades IV and V hepatic injuries managed operatively. Statistical analysis was performed using univariate and multivariate logistic regression. The main outcome measure was survival. The study included 103 patients, with a mean Revised Trauma Score of 5.61 +/- 2.55 and a mean Injury Severity Score of 33 +/- 9.5. Mechanism of injury was penetrating in 80 (79%) and blunt in 23 (21%). Emergency department thoracotomy was performed in 21 (25%). AAST grade IV injuries occurred in 51 (47%) and grade V injuries occurred in 52 (53%). Mean estimated blood loss was 9,414 mL. Overall survival was 43%. Adjusted overall survival rate after emergency department thoracotomy patients were excluded was 58%. Results stratified to AAST-OIS injury grade were as follows: grade IV, 32 of 51 (63%); grade V, 12 of 52 (23%); grade IV versus grade V (p < 0.001) odds ratio, 2.06; 95% confidence interval, 2.72 (1.40-3.04). Logistic regression analysis identified as independent predictors of outcome Revised Trauma Score (adjusted p < 0.0002), angioembolization (adjusted p < 0.0177), direct approach to hepatic veins (adjusted p < 0.0096), and packing (adjusted p < 0.0013). Improvements in mortality can be achieved with an appropriate operative approach. Angioembolization as an adjunct procedure decreases mortality in AAST-OIS grades IV and V hepatic injuries.

Are we a gift shop? A perspective on grade inflation.

PubMed

Shoemaker, J K; DeVos, M

1999-12-01

Grade inflation is a phenomenon that has been written about extensively since the mid 1970s. It is theorized that it made its initial appearance as an adjustment to the rigorous educational standards that were imposed in the post-Sputnik era. Some authors speculate that grade inflation as we know it is an outcome of student demands for high grades combined with faculty willingness to capitulate to them. Others believe the problem is related to lack of faculty knowledge about evaluation methods, or the quest for positive student evaluations in support of promotion, tenure, and merit decisions. Of particular concern is the lack of published studies of grade inflation in nursing education. The purpose of this article is to describe what we know about grade inflation-its history, causative factors, and implications for nursing.

78 FR 63380 - Farm Credit Administration Board Policy Statements

Federal Register 2010, 2011, 2012, 2013, 2014

2013-10-24

... FARM CREDIT ADMINISTRATION 12 CFR Chapter VI Farm Credit Administration Board Policy Statements AGENCY: Farm Credit Administration. ACTION: Notice of policy statements and index. SUMMARY: The Farm Credit Administration (FCA), as part of its annual public notification process, is publishing for notice...

Rasch-Master's Partial Credit Model in the assessment of children's creativity in drawings.

PubMed

Nakano, Tatiana de Cássia; Primi, Ricardo

2014-01-01

The purpose of the present study was to use the Partial Credit Model to study the factors of the Test of Creativity in Children and identify which characteristics of the creative person would be more effective to differentiate subjects according to their ability level. A sample of 1426 students from first to eighth grades answered the instrument. The Partial Credits model was used to estimate the ability of the subjects and item difficulties on a common scale for each of the four factors, indicating which items required a higher level of creativity to be scored and will differentiate the more creative individuals. The results demonstrated that the greater part of the characteristics showed good fit indices, with values between 0.80 and 1.30 both infit and outfit, indicating a response pattern consistent with the model. The characteristics of Unusual Perspective, Expression of Emotion and Originality have been identified as better predictors of creative performance because requires greater ability level (usually above two standard deviation). These results may be used in the future development of an instrument's reduced form or simplification of the current correction model.

The Student Credit Hour: Counting What Counts

ERIC Educational Resources Information Center

Wellman, Jane

2005-01-01

The article discusses the student credit hour (SCH). The author begins with a rethinking of the basic unit of measurement in American higher education--the SCH. The credit hour was developed at the turn of the 20th century as a measure of student time in the classroom: one hour per week in class for one semester equalled one SCH. The credit hour…

Correlates of credit card ownership in men and women.

PubMed

Yang, Bijou; Lester, David

2005-06-01

In a sample of 352 students, correlates of credit card ownership differed by sex. For both men and women, credit card ownership was predicted by their affective attitude toward credit cards. However, whereas for men concern with money as a tactic for gaining power predicted credit card ownership, for women feelings of insecurity about having sufficient money and having a conservative approach to money predicted credit card ownership.

Just another club? The distinctiveness of the relation between religious service attendance and adolescent psychosocial adjustment.

PubMed

Good, Marie; Willoughby, Teena; Fritjers, Jan

2009-10-01

This study used hierarchical linear modeling to compare longitudinal patterns of adolescent religious service attendance and club attendance, and to contrast the longitudinal relations between adolescent adjustment and religious service versus club attendance. Participants included 1050 students (47% girls) encompassing a school district in Canada, who completed the survey first in grade nine and again in grades 11 and 12. Results demonstrated that patterns of religious service attendance over time were quite different from other clubs. Religious attendance was uniquely associated with several indicators of positive as well as negative adjustment. Club involvement, conversely, was only associated with positive adjustment--particularly for individuals who reported sustained involvement over time. Findings suggest that religious services may provide some unique experiences--both positive and negative--over and above what may be provided in other clubs, and that sustained, rather than sporadic participation in clubs, may be especially important for adolescent adjustment.

Credit risk identification and suggestions of electricity market

NASA Astrophysics Data System (ADS)

He, Chuan; Wang, Haichao; Chen, Zhongyuan; Hao, Yuxing; Jiang, Hailong; Qian, Hanhan; Wang, Meibao

2018-03-01

The power industry has a long history of credit problems, and the power industry has credit problems such as power users defaulting on electricity bills before the new electricity reform. With the reform of the power system, the credit problems in the power industry will be more complicated. How to effectively avoid the risk factors existing in the course of market operation and how to safeguard the fairness and standardization of market operation is an urgent problem to be solved. This paper first describes the credit risk in power market, and analyzes the components of credit risk identification in power market, puts forward suggestions on power market risk management.

Grade-Level Declines in Perceived Academic Support from Peers: A Moderated Mediation Analysis

ERIC Educational Resources Information Center

Altermatt, Ellen Rydell

2017-01-01

Prior research demonstrates that perceived academic support from peers positively predicts school adjustment. In this cross-sectional study, we provide evidence that perceived academic support from peers declines from 3rd to 8th grade and that this decline is partially mediated by grade-level declines in perceptions that academic success…

12 CFR 1400.1 - Farm Credit System Insurance Corporation.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 9 2013-01-01 2013-01-01 false Farm Credit System Insurance Corporation. 1400.1 Section 1400.1 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.1 Farm Credit System Insurance Corporation. The Farm Credit...

12 CFR 1400.1 - Farm Credit System Insurance Corporation.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 9 2012-01-01 2012-01-01 false Farm Credit System Insurance Corporation. 1400.1 Section 1400.1 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.1 Farm Credit System Insurance Corporation. The Farm Credit...

12 CFR 1400.1 - Farm Credit System Insurance Corporation.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 7 2011-01-01 2011-01-01 false Farm Credit System Insurance Corporation. 1400.1 Section 1400.1 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.1 Farm Credit System Insurance Corporation. The Farm Credit...

12 CFR 1400.1 - Farm Credit System Insurance Corporation.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 10 2014-01-01 2014-01-01 false Farm Credit System Insurance Corporation. 1400.1 Section 1400.1 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.1 Farm Credit System Insurance Corporation. The Farm Credit...

12 CFR 1400.1 - Farm Credit System Insurance Corporation.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Farm Credit System Insurance Corporation. 1400.1 Section 1400.1 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION ORGANIZATION AND FUNCTIONS Organization and Functions § 1400.1 Farm Credit System Insurance Corporation. The Farm Credit...

Consumer Survival: Money Management, Credit, Bankruptcy.

ERIC Educational Resources Information Center

Allen, Judy L.

1983-01-01

To teach money management effectively, an examination of credit use today and a profile of the person in financial trouble are needed. If credit patterns and bankruptcy are understood, recommendations can be made about curriculum content for money management. (SK)

76 FR 10209 - Corporate Credit Unions

Federal Register 2010, 2011, 2012, 2013, 2014

2011-02-24

... natural person credit unions (NPCUs) may wish to form new corporates. Previous corporate chartering... NCUA's standards for evaluating applications. It also included detailed timelines for processing... natural person representatives of natural person credit unions (NPCUs)--``the subscribers''--may charter a...

75 FR 1057 - Farm Credit Administration Board; Regular Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2010-01-08

... FARM CREDIT ADMINISTRATION Farm Credit Administration Board; Regular Meeting AGENCY: Farm Credit Administration. SUMMARY: Notice is hereby given, pursuant to the Government in the Sunshine Act (5 U.S.C. 552b(e)(3)), of the regular meeting of the Farm Credit Administration Board (Board). Date and Time: The...

Adjustments to forest inventory and analysis estimates of 2001 saw-log volumes for Kentucky

Treesearch

Stanley J. Zarnoch; Jeffery A. Turner

2005-01-01

The 2001 Kentucky Forest Inventory and Analysis survey overestimated hardwood saw-log volume in tree grade 1. This occurred because 2001 field crews classified too many trees as grade 1 trees. Data collected by quality assurance crews were used to generate two types of adjustments, one based on the proportion of trees misclassified and the other on the proportion of...

Workplace social capital and risk of long-term sickness absence. Are associations modified by occupational grade?

PubMed

Rugulies, Reiner; Hasle, Peter; Pejtersen, Jan Hyld; Aust, Birgit; Bjorner, Jakob Bue

2016-04-01

Workplace social capital (WSC) is an emerging topic among both work environment professionals and researchers. We examined (i) whether high WSC protected against risk of long-term sickness absence (LTSA) in a random sample of the Danish workforce during a 1-year follow-up and (ii) whether the association of WSC with sickness absence was modified by occupational grade.  We measured WSC by self-report in a cohort of 3075 employees and linked responses to a national register of sickness absence. We calculated hazard ratios (HRs) and 95% confidence intervals (CIs) of onset of LTSA (≥21 days), adjusted for covariates. We stratified analyses by occupational grade and examined if there was an interaction effect of WSC and occupational grade.  A one standard deviation higher WSC score predicted a reduced risk of sickness absence after adjustment for sociodemographic variables, prevalent health problems and health behaviours (HR = 0.85, 95% CI = 0.74-0.99). The HR was attenuated and lost statistical significance after further adjustment for occupational grade (HR = 0.90, 95% CI = 0.78-1.04). When stratified by occupational grade, high WSC predicted a decreased risk of sickness absence among higher grade workers (HR = 0.61, 95% CI = 0.44-0.84) but not among lower grade workers (HR = 0.98, 95% CI = 0.83-1.15). The interaction effect of WSC and occupational grade was statistically significant (HR = 0.97, 95% CI = 0.95-0.99).  High WSC might reduce risk of LTSA. However, the protective effect appears to be limited to workers of higher occupational grade. © The Author 2016. Published by Oxford University Press on behalf of the European Public Health Association.

10 CFR 490.507 - Credit activity reporting requirements.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 10 Energy 3 2011-01-01 2011-01-01 false Credit activity reporting requirements. 490.507 Section 490.507 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle Credit Program § 490.507 Credit activity reporting requirements. (a) A covered...

10 CFR 490.507 - Credit activity reporting requirements.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 10 Energy 3 2013-01-01 2013-01-01 false Credit activity reporting requirements. 490.507 Section 490.507 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle Credit Program § 490.507 Credit activity reporting requirements. (a) A covered...

10 CFR 490.507 - Credit activity reporting requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 10 Energy 3 2010-01-01 2010-01-01 false Credit activity reporting requirements. 490.507 Section 490.507 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle Credit Program § 490.507 Credit activity reporting requirements. (a) A covered...

10 CFR 490.507 - Credit activity reporting requirements.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 10 Energy 3 2012-01-01 2012-01-01 false Credit activity reporting requirements. 490.507 Section 490.507 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle Credit Program § 490.507 Credit activity reporting requirements. (a) A covered...

10 CFR 490.507 - Credit activity reporting requirements.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 10 Energy 3 2014-01-01 2014-01-01 false Credit activity reporting requirements. 490.507 Section 490.507 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle Credit Program § 490.507 Credit activity reporting requirements. (a) A covered...

7 CFR 1005.80 - Transportation credit balancing fund.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 9 2010-01-01 2009-01-01 true Transportation credit balancing fund. 1005.80 Section... MARKETING AREA Order Regulating Handling Marketwide Service Payments § 1005.80 Transportation credit balancing fund. The market administrator shall maintain a separate fund known as the Transportation Credit...

7 CFR 1007.80 - Transportation credit balancing fund.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 9 2010-01-01 2009-01-01 true Transportation credit balancing fund. 1007.80 Section... AREA Order Regulating Handling Marketwide Service Payments § 1007.80 Transportation credit balancing fund. The market administrator shall maintain a separate fund known as the Transportation Credit...

12 CFR 741.222 - Credit union service organizations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit union service organizations. 741.222 Section 741.222 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS..., including check cashing services, sale of negotiable checks, money orders, and electronic transaction...

7 CFR 1005.80 - Transportation credit balancing fund.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 9 2012-01-01 2012-01-01 false Transportation credit balancing fund. 1005.80 Section... MARKETING AREA Order Regulating Handling Marketwide Service Payments § 1005.80 Transportation credit balancing fund. The market administrator shall maintain a separate fund known as the Transportation Credit...

7 CFR 1007.80 - Transportation credit balancing fund.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 9 2014-01-01 2013-01-01 true Transportation credit balancing fund. 1007.80 Section... AREA Order Regulating Handling Marketwide Service Payments § 1007.80 Transportation credit balancing fund. The market administrator shall maintain a separate fund known as the Transportation Credit...

7 CFR 1007.80 - Transportation credit balancing fund.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 9 2011-01-01 2011-01-01 false Transportation credit balancing fund. 1007.80 Section... AREA Order Regulating Handling Marketwide Service Payments § 1007.80 Transportation credit balancing fund. The market administrator shall maintain a separate fund known as the Transportation Credit...

7 CFR 1007.80 - Transportation credit balancing fund.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 9 2012-01-01 2012-01-01 false Transportation credit balancing fund. 1007.80 Section... AREA Order Regulating Handling Marketwide Service Payments § 1007.80 Transportation credit balancing fund. The market administrator shall maintain a separate fund known as the Transportation Credit...

7 CFR 1007.80 - Transportation credit balancing fund.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 9 2013-01-01 2013-01-01 false Transportation credit balancing fund. 1007.80 Section... AREA Order Regulating Handling Marketwide Service Payments § 1007.80 Transportation credit balancing fund. The market administrator shall maintain a separate fund known as the Transportation Credit...

7 CFR 1005.80 - Transportation credit balancing fund.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 9 2011-01-01 2011-01-01 false Transportation credit balancing fund. 1005.80 Section... MARKETING AREA Order Regulating Handling Marketwide Service Payments § 1005.80 Transportation credit balancing fund. The market administrator shall maintain a separate fund known as the Transportation Credit...

7 CFR 1005.80 - Transportation credit balancing fund.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 9 2014-01-01 2013-01-01 true Transportation credit balancing fund. 1005.80 Section... MARKETING AREA Order Regulating Handling Marketwide Service Payments § 1005.80 Transportation credit balancing fund. The market administrator shall maintain a separate fund known as the Transportation Credit...

7 CFR 1005.80 - Transportation credit balancing fund.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 9 2013-01-01 2013-01-01 false Transportation credit balancing fund. 1005.80 Section... MARKETING AREA Order Regulating Handling Marketwide Service Payments § 1005.80 Transportation credit balancing fund. The market administrator shall maintain a separate fund known as the Transportation Credit...

77 FR 8184 - Foreign Tax Credit Splitting Events

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-14

... Foreign Tax Credit Splitting Events AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of... these proposed regulations. The regulations affect taxpayers claiming foreign tax credits. Special... of the Federal Register.] Sec. 1.909-6 Pre-2011 foreign tax credit splitting events. [The text of...

75 FR 71526 - Corporate Credit Unions, Technical Corrections

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-24

... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 704 RIN 3133-AD58 Corporate Credit Unions... request for comments. SUMMARY: NCUA is issuing technical corrections to its corporate credit union rule... for submitting comments. NCUA Web site: http://www.ncua.gov/Resources/RegulationsOpinionsLaws/Proposed...

20 CFR 606.20 - Cap on tax credit reduction.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Cap on tax credit reduction. 606.20 Section... Tax Credit Reduction § 606.20 Cap on tax credit reduction. (a) Applicability. Subsection (f) of section 3302 of FUTA authorizes a limitation (cap) on the reduction of tax credits by reason of an...

Expanding coverage via tax credits: trade-offs and outcomes.

PubMed

Pauly, M; Herring, B

2001-01-01

In this paper we discuss various options for using refundable tax credits to reduce the number of uninsured persons. The effect of tax credits on the number of uninsured depends on the form of the credit scheme adopted. Moreover, since large subsidies for private insurance directed to low-income persons have never been implemented, there is considerable uncertainty about the effect of various tax credit proposals. We find that small credits will do little to reduce the number of uninsured but that credits covering about half of the premium for a benchmark policy might have a significant effect, especially if they take a fixed-dollar form and can be used for policies with few restrictions. Finally, we discuss the normative issues surrounding the "costs" of these credits schemes, and the policy issues raised by the uncertainty of the effects.

48 CFR 2131.201-5 - Credits.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 48 Federal Acquisition Regulations System 6 2011-10-01 2011-10-01 false Credits. 2131.201-5 Section 2131.201-5 Federal Acquisition Regulations System OFFICE OF PERSONNEL MANAGEMENT, FEDERAL... PRINCIPLES AND PROCEDURES Contracts With Commercial Organizations 2131.201-5 Credits. The provisions of FAR...

48 CFR 1631.201-70 - Credits.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 48 Federal Acquisition Regulations System 6 2011-10-01 2011-10-01 false Credits. 1631.201-70 Section 1631.201-70 Federal Acquisition Regulations System OFFICE OF PERSONNEL MANAGEMENT FEDERAL... AND PROCEDURES Contracts With Commercial Organizations 1631.201-70 Credits. The provisions of FAR 31...

48 CFR 1631.201-70 - Credits.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Credits. 1631.201-70 Section 1631.201-70 Federal Acquisition Regulations System OFFICE OF PERSONNEL MANAGEMENT FEDERAL... AND PROCEDURES Contracts With Commercial Organizations 1631.201-70 Credits. The provisions of FAR 31...

Grade Expectations: Rationality and Overconfidence

PubMed Central

Magnus, Jan R.; Peresetsky, Anatoly A.

2018-01-01

Confidence and overconfidence are essential aspects of human nature, but measuring (over)confidence is not easy. Our approach is to consider students' forecasts of their exam grades. Part of a student's grade expectation is based on the student's previous academic achievements; what remains can be interpreted as (over)confidence. Our results are based on a sample of about 500 second-year undergraduate students enrolled in a statistics course in Moscow. The course contains three exams and each student produces a forecast for each of the three exams. Our models allow us to estimate overconfidence quantitatively. Using these models we find that students' expectations are not rational and that most students are overconfident, in agreement with the general literature. Less obvious is that overconfidence helps: given the same academic achievement students with larger confidence obtain higher exam grades. Female students are less overconfident than male students, their forecasts are more rational, and they are also faster learners in the sense that they adjust their expectations more rapidly. PMID:29375449

Prefrontal system dysfunction and credit card debt.

PubMed

Spinella, Marcello; Yang, Bijou; Lester, David

2004-10-01

Credit card use often involves a disadvantageous allocation of finances because they allow for spending beyond means and buying on impulse. Accordingly they are associated with increased bankruptcy, anxiety, stress, and health problems. Mounting evidence from functional neuroimaging and clinical studies implicates prefrontal-subcortical systems in processing financial information. This study examined the relationship of credit card debt and executive functions using the Frontal System Behavior Scale (FRSBE). After removing the influences of demographic variables (age, sex, education, and income), credit card debt was associated with the Executive Dysfunction scale, but not the Apathy or Disinhibition scales. This suggests that processes of conceptualizing and organizing finances are most relevant to credit card debt, and implicates dorsolateral prefrontal dysfunction.

40 CFR 80.315 - How are credits used and what are the limitations on credit use?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 40 Protection of Environment 16 2010-07-01 2010-07-01 false How are credits used and what are the... compliance with the transferee's averaging standard, regardless of the transferee's good faith belief that... standards under § 80.195 during the 2005 and 2006 averaging periods. Such credits may be used to demonstrate...

40 CFR 80.315 - How are credits used and what are the limitations on credit use?

Code of Federal Regulations, 2013 CFR

2013-07-01

... 40 Protection of Environment 17 2013-07-01 2013-07-01 false How are credits used and what are the... compliance with the transferee's averaging standard, regardless of the transferee's good faith belief that... standards under § 80.195 during the 2005 and 2006 averaging periods. Such credits may be used to demonstrate...

40 CFR 80.315 - How are credits used and what are the limitations on credit use?

Code of Federal Regulations, 2012 CFR

2012-07-01

... 40 Protection of Environment 17 2012-07-01 2012-07-01 false How are credits used and what are the... compliance with the transferee's averaging standard, regardless of the transferee's good faith belief that... standards under § 80.195 during the 2005 and 2006 averaging periods. Such credits may be used to demonstrate...

40 CFR 80.315 - How are credits used and what are the limitations on credit use?

Code of Federal Regulations, 2014 CFR

2014-07-01

... 40 Protection of Environment 17 2014-07-01 2014-07-01 false How are credits used and what are the... compliance with the transferee's averaging standard, regardless of the transferee's good faith belief that... standards under § 80.195 during the 2005 and 2006 averaging periods. Such credits may be used to demonstrate...

40 CFR 80.315 - How are credits used and what are the limitations on credit use?

Code of Federal Regulations, 2011 CFR

2011-07-01

... 40 Protection of Environment 16 2011-07-01 2011-07-01 false How are credits used and what are the... compliance with the transferee's averaging standard, regardless of the transferee's good faith belief that... standards under § 80.195 during the 2005 and 2006 averaging periods. Such credits may be used to demonstrate...

75 FR 80678 - Conversions of Insured Credit Unions

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-23

... Conversions of Insured Credit Unions AGENCY: National Credit Union Administration (NCUA). ACTION: Interim... of the phrase ``Regional Director'' in NCUA's rule on credit union to mutual savings bank conversions and to add the same revised definition of that phrase to NCUA's rule on conversions to nonfederal...

12 CFR 614.4030 - Federal land credit associations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... authorized by their respective funding banks; and (iii) Any certified agricultural mortgage marketing... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Federal land credit associations. 614.4030 Section 614.4030 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND...

49 CFR 536.7 - Treatment of carryback credits.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 49 Transportation 6 2010-10-01 2010-10-01 false Treatment of carryback credits. 536.7 Section 536.7 Transportation Other Regulations Relating to Transportation (Continued) NATIONAL HIGHWAY TRAFFIC... Treatment of carryback credits. (a) Carryback credits earned in a compliance category in any model year may...

26 CFR 31.3302(b)-1 - Additional credit against tax.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 15 2010-04-01 2010-04-01 false Additional credit against tax. 31.3302(b)-1... credit against tax. (a) In general. In addition to the credit against the tax allowable for contributions... credit allowable against the tax for such year shall be the aggregate of the additional credits allowable...

12 CFR 226.11 - Treatment of credit balances; account termination.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Treatment of credit balances; account... credit balances; account termination. (a) Credit balances. When a credit balance in excess of $1 is created on a credit account (through transmittal of funds to a creditor in excess of the total balance due...

Dual Credit/Dual Enrollment and Data Driven Policy Implementation

ERIC Educational Resources Information Center

Lichtenberger, Eric; Witt, M. Allison; Blankenberger, Bob; Franklin, Doug

2014-01-01

The use of dual credit has been expanding rapidly. Dual credit is a college course taken by a high school student for which both college and high school credit is given. Previous studies provided limited quantitative evidence that dual credit/dual enrollment is directly connected to positive student outcomes. In this study, predictive statistics…

12 CFR 704.17 - State-chartered corporate credit unions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... provided under the laws of the state in which it was chartered. (b) A state-chartered corporate credit... 12 Banks and Banking 6 2010-01-01 2010-01-01 false State-chartered corporate credit unions. 704.17... CORPORATE CREDIT UNIONS § 704.17 State-chartered corporate credit unions. (a) This part does not expand the...

Optimal advanced credit releases in ecosystem service markets.

PubMed

BenDor, Todd K; Guo, Tianshu; Yates, Andrew J

2014-03-01

Ecosystem service markets are popular policy tools for ecosystem protection. Advanced credit releases are an important factor affecting the supply side of ecosystem markets. Under an advanced credit release policy, regulators give ecosystem suppliers a fraction of the total ecosystem credits generated by a restoration project before it is verified that the project actually achieves the required ecological thresholds. In spite of their prominent role in ecosystem markets, there is virtually no regulatory or research literature on the proper design of advanced credit release policies. Using U.S. aquatic ecosystem markets as an example, we develop a principal-agent model of the behavior of regulators and wetland/stream mitigation bankers to determine and explore the optimal degree of advance credit release. The model highlights the tension between regulators' desire to induce market participation, while at the same time ensuring that bankers successfully complete ecological restoration. Our findings suggest several simple guidelines for strengthening advanced credit release policy.

Optimal Advanced Credit Releases in Ecosystem Service Markets

NASA Astrophysics Data System (ADS)

BenDor, Todd K.; Guo, Tianshu; Yates, Andrew J.

2014-03-01

Ecosystem service markets are popular policy tools for ecosystem protection. Advanced credit releases are an important factor affecting the supply side of ecosystem markets. Under an advanced credit release policy, regulators give ecosystem suppliers a fraction of the total ecosystem credits generated by a restoration project before it is verified that the project actually achieves the required ecological thresholds. In spite of their prominent role in ecosystem markets, there is virtually no regulatory or research literature on the proper design of advanced credit release policies. Using U.S. aquatic ecosystem markets as an example, we develop a principal-agent model of the behavior of regulators and wetland/stream mitigation bankers to determine and explore the optimal degree of advance credit release. The model highlights the tension between regulators' desire to induce market participation, while at the same time ensuring that bankers successfully complete ecological restoration. Our findings suggest several simple guidelines for strengthening advanced credit release policy.

12 CFR 721.4 - How may a credit union apply to engage in an activity that is not preapproved as within a credit...

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false How may a credit union apply to engage in an activity that is not preapproved as within a credit union's incidental powers? 721.4 Section 721.4 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS INCIDENTAL POWERS...

12 CFR 2.3 - Distribution of credit life insurance income.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Distribution of credit life insurance income. 2... CREDIT LIFE INSURANCE § 2.3 Distribution of credit life insurance income. (a) Distribution of credit life... percent), who is involved in the sale of credit life insurance to loan customers of the national bank, to...

10 CFR 490.505 - Credit accounts.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 10 Energy 3 2013-01-01 2013-01-01 false Credit accounts. 490.505 Section 490.505 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle... covered person who obtains an alternative fueled vehicle credit. (b) DOE shall send to each fleet and...

10 CFR 490.505 - Credit accounts.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 10 Energy 3 2012-01-01 2012-01-01 false Credit accounts. 490.505 Section 490.505 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle... covered person who obtains an alternative fueled vehicle credit. (b) DOE shall send to each fleet and...

10 CFR 490.505 - Credit accounts.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 10 Energy 3 2010-01-01 2010-01-01 false Credit accounts. 490.505 Section 490.505 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle... covered person who obtains an alternative fueled vehicle credit. (b) DOE shall send to each fleet and...

10 CFR 490.505 - Credit accounts.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 10 Energy 3 2014-01-01 2014-01-01 false Credit accounts. 490.505 Section 490.505 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle... covered person who obtains an alternative fueled vehicle credit. (b) DOE shall send to each fleet and...

10 CFR 490.505 - Credit accounts.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 10 Energy 3 2011-01-01 2011-01-01 false Credit accounts. 490.505 Section 490.505 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle... covered person who obtains an alternative fueled vehicle credit. (b) DOE shall send to each fleet and...

The Credit Hour and Public Budgeting.

ERIC Educational Resources Information Center

Wellman, Jane V.

2003-01-01

Discusses the ways the credit hour has come to be used by public funding systems in higher education. The literature review shows that the credit hour has become a barrier to innovation and a way to create systemic inequities between institutions or sectors in resource allocation. (SLD)

48 CFR 2131.201-5 - Credits.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Credits. 2131.201-5 Section 2131.201-5 Federal Acquisition Regulations System OFFICE OF PERSONNEL MANAGEMENT, FEDERAL EMPLOYEES... PRINCIPLES AND PROCEDURES Contracts With Commercial Organizations 2131.201-5 Credits. The provisions of FAR...

40 CFR 403.7 - Removal credits.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 40 Protection of Environment 30 2013-07-01 2012-07-01 true Removal credits. 403.7 Section 403.7 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) EFFLUENT GUIDELINES AND STANDARDS GENERAL PRETREATMENT REGULATIONS FOR EXISTING AND NEW SOURCES OF POLLUTION § 403.7 Removal credits. (a...

76 FR 59237 - Equal Credit Opportunity

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-26

... report information concerning credit applications made by women or minority-owned businesses and by small... report information concerning credit applications made by women or minority- owned businesses and by... opportunities of women-owned, minority-owned, and small businesses.'' ECOA Section 704B became effective on the...

Financial auditing at enterprises for control of projects realized with credit fund-raising

NASA Astrophysics Data System (ADS)

Lukmanova, Inessa

2017-10-01

The article analyzes methods of conducting financial audit under the construction control of projects implemented with raising credit funds in modern conditions. This work aims to improve the methodological toolkit of construction control when lending projects of the construction of transport infrastructure. The paper considers correlations of various procedures of construction control, financial audit and organizational and technical factors affecting investment and construction projects. The authors presented the logical scheme of the process of lending to legal entities and developed an algorithm of the procedure for conducting a financial audit, allowing to make possible adjustments and the right decision.

Associations between frequency of bullying involvement and adjustment in adolescence.

PubMed

Gower, Amy L; Borowsky, Iris W

2013-01-01

To examine whether infrequent bullying perpetration and victimization (once or twice a month) are associated with elevated levels of internalizing and externalizing problems and to assess evidence for a minimum frequency threshold for bullying involvement. The analytic sample included 128,681 6th, 9th, and 12th graders who completed the 2010 Minnesota Student Survey. Logistic regression and general linear models examined the association between bullying frequency and adjustment correlates including emotional distress, self-harm, physical fighting, and substance use while controlling for demographic characteristics. Gender and grade were included as moderators. Infrequent bullying perpetration and victimization were associated with increased levels of all adjustment problems relative to those who did not engage in bullying in the past 30 days. Grade moderated many of these findings, with perpetration frequency being more strongly related to substance use, self-harm, and suicidal ideation for 6th graders than 12th graders, whereas victimization frequency was associated with self-harm more strongly for 12th graders than 6th graders. Evidence for minimum thresholds for bullying involvement across all outcomes, grades, and bullying roles was inconsistent. Infrequent bullying involvement may pose risks to adolescent adjustment; thus, clinicians and school personnel should address even isolated instances of bullying behavior. Researchers should reexamine the use of cut points in bullying research in order to more fully understand the nature of bullying in adolescence. These data indicate the need for prevention and intervention programs that target diverse internalizing and externalizing problems for bullies and victims, regardless of bullying frequency. Copyright © 2013 Academic Pediatric Association. Published by Elsevier Inc. All rights reserved.

Pueblo Community College, Dual Credit Handbook, 1998-99.

ERIC Educational Resources Information Center

Griffith, Mary

This Dual Credit Handbook from Pueblo Community College (CO) provides information and guidelines to assist instructors in meeting their assignment. These guidelines apply to dual credit courses offered to high school students during their regular school hours, for which students receive high school- and college-level credit simultaneously. This…

49 CFR 260.17 - Credit risk premium analysis.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 49 Transportation 4 2010-10-01 2010-10-01 false Credit risk premium analysis. 260.17 Section 260... Financial Assistance § 260.17 Credit risk premium analysis. (a) When Federal appropriations are not available to cover the total subsidy cost, the Administrator will determine the Credit Risk Premium...

20 CFR 601.4 - Certification for tax credit.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Certification for tax credit. 601.4 Section 601.4 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR ADMINISTRATIVE... and Additional Tax Credit and Grant Purposes § 601.4 Certification for tax credit. (a) Within 30 days...

Student Participation under Random and Delayed Credit Contingencies

ERIC Educational Resources Information Center

Aspiranti, K. B.; McCleary, D. F.; McCleary, L. N.; Ga-lyon, C. E.; Blondin, C. A.; Yaw, J. S.; Williams, R. L.

2013-01-01

The authors examined the effects of randomized and delayed credit on the percentage of college students participating at four pre-defined levels on each class discussion day: non-participation, credit-level participation, frequent participation, and dominant participation. Although the same amount of participation credit was available to students…

Earned Income Credit Utilization by Welfare Recipients: A Case Study of Minnesota's Earned Income Credit Program

ERIC Educational Resources Information Center

Hirasuna, Donald P.; Stinson, Thomas F.

2007-01-01

This paper examines utilization of a state earned income credit by AFDC and TANF recipients. Although utilization percentages are increasing, we find that among TANF recipients in 1999, 45.7 percent of all households and 34.8 percent of eligible households did not receive the state earned income credit. Moreover, we find that utilization may…

Special Specification 3XXX, dense-graded hot-mix asphalt.

DOT National Transportation Integrated Search

2004-01-01

Construct a hot-mix asphalt (HMA) pavement layer composed of a compacted, dense-graded mixture of aggregate and asphalt binder mixed hot in a mixing plant. Pay adjustments will apply to HMA placed under this specification unless the HMA is deemed exe...

Credit card debt, stress and key health risk behaviors among college students.

PubMed

Nelson, Melissa C; Lust, Katherine; Story, Mary; Ehlinger, Ed

2008-01-01

To examine cross-sectional associations between credit card debt, stress, and health risk behaviors among college students, focusing particularly on weight-related behaviors. Random-sample, mailed survey. Undergraduate and graduate students (n = 3206) attending a large public university. Self-reported health indicators (e.g., weight, height, physical activity, diet, weight control, stress, credit card debt). More than 23% of students reported credit card debt > or = $1000. Using Poisson regression to predict relative risks (RR) of health behaviors, debt of at least $1000 was associated with nearly every risk indicator tested, including overweight/obesity, insufficient physical activity, excess television viewing, infrequent breakfast consumption, fast food consumption, unhealthy weight control, body dissatisfaction, binge drinking, substance use, and violence. For example, adjusted RR [ARR] ranged from 1.09 (95% Confidence interval [CI]: 1.02-1.17) for insufficient vigorous activity to 2.17 (CI: 0.68-2.82) for using drugs other than marijuana in the past 30 days. Poor stress management was also a robust indicator of health risk. University student lifestyles may be characterized by a variety of coexisting risk factors. These findings indicate that both debt and stress were associated with wide-ranging adverse health indicators. Intervention strategies targeting at-risk student populations need to be tailored to work within the context of the many challenges of college life, which may serve as barriers to healthy lifestyles. Increased health promotion efforts targeting stress, financial management, and weight-related health behaviors may be needed to enhance wellness among young adults.

7 CFR 1980.308 - Full faith and credit.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 14 2010-01-01 2009-01-01 true Full faith and credit. 1980.308 Section 1980.308...) PROGRAM REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.308 Full faith and credit. The loan note guarantee constitutes an obligation supported by the full faith and credit of the United States...

7 CFR 1980.308 - Full faith and credit.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 14 2011-01-01 2011-01-01 false Full faith and credit. 1980.308 Section 1980.308...) PROGRAM REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.308 Full faith and credit. The loan note guarantee constitutes an obligation supported by the full faith and credit of the United States...

10 CFR 490.503 - Credit allocation.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 10 Energy 3 2012-01-01 2012-01-01 false Credit allocation. 490.503 Section 490.503 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle... described in section 490.507 of this part, DOE shall allocate one credit for each alternative fueled vehicle...

10 CFR 490.503 - Credit allocation.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 10 Energy 3 2011-01-01 2011-01-01 false Credit allocation. 490.503 Section 490.503 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle... described in section 490.507 of this part, DOE shall allocate one credit for each alternative fueled vehicle...

10 CFR 490.503 - Credit allocation.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 10 Energy 3 2014-01-01 2014-01-01 false Credit allocation. 490.503 Section 490.503 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle... described in section 490.507 of this part, DOE shall allocate one credit for each alternative fueled vehicle...

10 CFR 490.503 - Credit allocation.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 10 Energy 3 2013-01-01 2013-01-01 false Credit allocation. 490.503 Section 490.503 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle... described in section 490.507 of this part, DOE shall allocate one credit for each alternative fueled vehicle...

10 CFR 490.503 - Credit allocation.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 10 Energy 3 2010-01-01 2010-01-01 false Credit allocation. 490.503 Section 490.503 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle... described in section 490.507 of this part, DOE shall allocate one credit for each alternative fueled vehicle...

Cross-lagged relations among parenting, children's emotion regulation, and psychosocial adjustment in early adolescence.

PubMed

Otterpohl, Nantje; Wild, Elke

2015-01-01

Numerous studies have reported substantive correlations between indicators of parenting, children's emotion regulation (ER), and children's psychosocial adjustment. However, studies on underlying mechanisms are scarce. Particularly in early adolescence, it is still unclear whether relations between parenting and ER are caused by adolescent behavior, by parent behavior, or by reciprocal processes. Moreover, it is unclear whether ER can be seen as an antecedent or a consequence of psychosocial adjustment. The aim of this study was to examine predictive relations among parenting and adolescents' ER, and adolescents' ER and psychosocial adjustment, respectively. We collected longitudinal, multiple informant data at two measurement occasions (Grade 6, Grade 7). All told, 1,100 adolescents (10-14 years) and their parents filled out questionnaires assessing responsiveness and psychological control, adolescents' anger regulation, and adolescents' problem and prosocial behavior. Cross-lagged analyses revealed reciprocal effects between parenting, ER, and adjustment for the parent and boys', but not for the girls', report. Moreover, relations were different for adolescents with versus without clinically elevated symptoms of psychopathology. Our findings support the assumption that reciprocal relations between parenting, ER, and psychosocial adjustment are likely to persist until early adolescence. Nevertheless, the moderating role of gender and psychopathology should be taken into account. Possible reasons for the different findings, and practical implications, are discussed.

7 CFR 3575.3 - Full faith and credit.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Full faith and credit. 3575.3 Section 3575.3... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United States and is not...

7 CFR 1779.3 - Full faith and credit.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 12 2014-01-01 2013-01-01 true Full faith and credit. 1779.3 Section 1779.3... AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United...

7 CFR 3575.3 - Full faith and credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 15 2012-01-01 2012-01-01 false Full faith and credit. 3575.3 Section 3575.3... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United States and is not...

7 CFR 3575.3 - Full faith and credit.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 15 2011-01-01 2011-01-01 false Full faith and credit. 3575.3 Section 3575.3... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United States and is not...

7 CFR 1779.3 - Full faith and credit.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 12 2011-01-01 2011-01-01 false Full faith and credit. 1779.3 Section 1779.3... AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United...

7 CFR 3555.108 - Full faith and credit.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 15 2014-01-01 2014-01-01 false Full faith and credit. 3555.108 Section 3555.108... AGRICULTURE GUARANTEED RURAL HOUSING PROGRAM (Eff. 9-1-14) Loan Requirements § 3555.108 Full faith and credit. (a) General. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit...

7 CFR 1779.3 - Full faith and credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 12 2012-01-01 2012-01-01 false Full faith and credit. 1779.3 Section 1779.3... AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United...

7 CFR 3575.3 - Full faith and credit.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 15 2014-01-01 2014-01-01 false Full faith and credit. 3575.3 Section 3575.3... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United States and is not...

7 CFR 762.103 - Full faith and credit.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 7 2013-01-01 2013-01-01 false Full faith and credit. 762.103 Section 762.103... AGRICULTURE SPECIAL PROGRAMS GUARANTEED FARM LOANS § 762.103 Full faith and credit. (a) Fraud and misrepresentation. The loan guarantee constitutes an obligation supported by the full faith and credit of the United...

7 CFR 1779.3 - Full faith and credit.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 12 2013-01-01 2013-01-01 false Full faith and credit. 1779.3 Section 1779.3... AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United...

7 CFR 3575.3 - Full faith and credit.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 15 2013-01-01 2013-01-01 false Full faith and credit. 3575.3 Section 3575.3... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United States and is not...

17 CFR 256.411.5 - Investment tax credit.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Investment tax credit. 256.411... HOLDING COMPANY ACT OF 1935 Income and Expense Accounts § 256.411.5 Investment tax credit. (a) This account shall be debited with the amounts of investment tax credits related to service company property...

How To Be...Credit Smart. "Straight Talk" Series.

ERIC Educational Resources Information Center

American Financial Services Association, Washington, DC. Consumer Credit Education Foundation.

Designed for first-time borrowers, this pamphlet describes the basics of credit as a part of personal financial planning. Following a self-quiz (with answers) that tests the reader's knowledge of credit, the pamphlet provides guidelines for responsible credit use and outlines steps to take if debt problems occur. Topics covered include the…

17 CFR 256.411.5 - Investment tax credit.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 17 Commodity and Securities Exchanges 3 2011-04-01 2011-04-01 false Investment tax credit. 256.411... HOLDING COMPANY ACT OF 1935 Income and Expense Accounts § 256.411.5 Investment tax credit. (a) This account shall be debited with the amounts of investment tax credits related to service company property...

5 CFR 550.1405 - Crediting compensatory time off.

Code of Federal Regulations, 2011 CFR

2011-01-01

... ADMINISTRATION (GENERAL) Compensatory Time Off for Travel § 550.1405 Crediting compensatory time off. (a) Upon a... employee is entitled to credit for compensatory time off for travel under the conditions specified in this... employee's request for credit of compensatory time off for travel may be denied if the request is not filed...

5 CFR 550.1405 - Crediting compensatory time off.

Code of Federal Regulations, 2014 CFR

2014-01-01

... ADMINISTRATION (GENERAL) Compensatory Time Off for Travel § 550.1405 Crediting compensatory time off. (a) Upon a... employee is entitled to credit for compensatory time off for travel under the conditions specified in this... employee's request for credit of compensatory time off for travel may be denied if the request is not filed...

5 CFR 550.1405 - Crediting compensatory time off.

Code of Federal Regulations, 2012 CFR

2012-01-01

... ADMINISTRATION (GENERAL) Compensatory Time Off for Travel § 550.1405 Crediting compensatory time off. (a) Upon a... employee is entitled to credit for compensatory time off for travel under the conditions specified in this... employee's request for credit of compensatory time off for travel may be denied if the request is not filed...

5 CFR 550.1405 - Crediting compensatory time off.

Code of Federal Regulations, 2013 CFR

2013-01-01

... ADMINISTRATION (GENERAL) Compensatory Time Off for Travel § 550.1405 Crediting compensatory time off. (a) Upon a... employee is entitled to credit for compensatory time off for travel under the conditions specified in this... employee's request for credit of compensatory time off for travel may be denied if the request is not filed...

5 CFR 550.1405 - Crediting compensatory time off.

Code of Federal Regulations, 2010 CFR

2010-01-01

... ADMINISTRATION (GENERAL) Compensatory Time Off for Travel § 550.1405 Crediting compensatory time off. (a) Upon a... employee is entitled to credit for compensatory time off for travel under the conditions specified in this... employee's request for credit of compensatory time off for travel may be denied if the request is not filed...

12 CFR 614.4810 - Standby letters of credit.

Code of Federal Regulations, 2010 CFR

2010-01-01

... party in the performance of an obligation. (b) As a matter of sound banking practice, banks for... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Standby letters of credit. 614.4810 Section 614.4810 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Banks...

Assigning Publication Credit in Collaborative Research.

ERIC Educational Resources Information Center

Bridgwater, Carol Austin; And Others

Publication credit has taken on great significance with the advent of an increasingly competitive academic job market and the decline in federal funds for psychological research. Policies regarding assignment of publication credit help to mold the careers of academic psychologists. A sample of psychologists was asked to endorse what they…

47 CFR 90.910 - Bidding credits.

Code of Federal Regulations, 2010 CFR

2010-10-01

... Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED) SAFETY AND SPECIAL RADIO SERVICES PRIVATE LAND....910 Bidding credits. A winning bidder that qualifies as a very small business, as defined in § 90.912(b)(2), or a consortium of very small businesses may use a bidding credit of 35 percent to lower the...

Advanced soft computing diagnosis method for tumour grading.

PubMed

Papageorgiou, E I; Spyridonos, P P; Stylios, C D; Ravazoula, P; Groumpos, P P; Nikiforidis, G N

2006-01-01

To develop an advanced diagnostic method for urinary bladder tumour grading. A novel soft computing modelling methodology based on the augmentation of fuzzy cognitive maps (FCMs) with the unsupervised active Hebbian learning (AHL) algorithm is applied. One hundred and twenty-eight cases of urinary bladder cancer were retrieved from the archives of the Department of Histopathology, University Hospital of Patras, Greece. All tumours had been characterized according to the classical World Health Organization (WHO) grading system. To design the FCM model for tumour grading, three experts histopathologists defined the main histopathological features (concepts) and their impact on grade characterization. The resulted FCM model consisted of nine concepts. Eight concepts represented the main histopathological features for tumour grading. The ninth concept represented the tumour grade. To increase the classification ability of the FCM model, the AHL algorithm was applied to adjust the weights of the FCM. The proposed FCM grading model achieved a classification accuracy of 72.5%, 74.42% and 95.55% for tumours of grades I, II and III, respectively. An advanced computerized method to support tumour grade diagnosis decision was proposed and developed. The novelty of the method is based on employing the soft computing method of FCMs to represent specialized knowledge on histopathology and on augmenting FCMs ability using an unsupervised learning algorithm, the AHL. The proposed method performs with reasonably high accuracy compared to other existing methods and at the same time meets the physicians' requirements for transparency and explicability.

7 CFR 1738.31 - Full faith and credit.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Full faith and credit. 1738.31 Section 1738.31... AGRICULTURE RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Types of Loans § 1738.31 Full faith and credit. Loan guarantees made under this part are supported by the full faith and credit of the United States. ...

7 CFR 763.3 - Full faith and credit.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 7 2013-01-01 2013-01-01 false Full faith and credit. 763.3 Section 763.3 Agriculture... SPECIAL PROGRAMS LAND CONTRACT GUARANTEE PROGRAM § 763.3 Full faith and credit. (a) The land contract guarantee constitutes an obligation supported by the full faith and credit of the United States. The Agency...

7 CFR 1738.31 - Full faith and credit.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 11 2011-01-01 2011-01-01 false Full faith and credit. 1738.31 Section 1738.31... AGRICULTURE RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Types of Loans § 1738.31 Full faith and credit. Loan guarantees made under this part are supported by the full faith and credit of the United States. ...

7 CFR 763.3 - Full faith and credit.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 7 2014-01-01 2014-01-01 false Full faith and credit. 763.3 Section 763.3 Agriculture... SPECIAL PROGRAMS LAND CONTRACT GUARANTEE PROGRAM § 763.3 Full faith and credit. (a) The land contract guarantee constitutes an obligation supported by the full faith and credit of the United States. The Agency...

26 CFR 1.41-9 - Alternative simplified credit.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Alternative simplified credit. 1.41-9 Section 1.41-9 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY INCOME TAX INCOME TAXES Credits Against Tax § 1.41-9 Alternative simplified credit. [Reserved] For further guidance, see § 1.41-9T...

26 CFR 1.25A-3 - Hope Scholarship Credit.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 1 2014-04-01 2013-04-01 true Hope Scholarship Credit. 1.25A-3 Section 1.25A-3... Rates During A Taxable Year § 1.25A-3 Hope Scholarship Credit. (a) Amount of the credit—(1) In general. Subject to the phaseout of the education tax credit described in § 1.25A-1(c), the Hope Scholarship Credit...

26 CFR 1.25A-3 - Hope Scholarship Credit.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 1 2013-04-01 2013-04-01 false Hope Scholarship Credit. 1.25A-3 Section 1.25A-3... Rates During A Taxable Year § 1.25A-3 Hope Scholarship Credit. (a) Amount of the credit—(1) In general. Subject to the phaseout of the education tax credit described in § 1.25A-1(c), the Hope Scholarship Credit...

26 CFR 1.25A-3 - Hope Scholarship Credit.